KR20090036613A - System and method for registering card settlement account and recording medium - Google Patents

Abstract

A system and a method for registering card settlement account and a recording medium are provided to conveniently convert a false name payment account to a real name payment account through online without a visit of a client to a bank. An information receiver(115) receives the card information corresponding to a client card, card company information, and customer information when registering a payment account for a client card through online. An information confirming unit(130) confirms the validity to open the payment account to the card company server(180) corresponding to the card company information. When the validity is confirmed, an account opening unit opens a virtual account which sets up the real account of a financial institution as a mother account based on the customer information. An account registration processor(175) provides the virtual account information and card information to the card company server to register the virtual account as the payment account about the client card.

Description

System and Method for Registering Card Settlement Account and Recording Medium}

1 is a diagram illustrating a non-real name payment account registration system for non-real name registration (or transfer) processing of a card payment account according to an embodiment of the present invention.

2 is a view showing the configuration of non-real name payment account ledger information according to an embodiment of the present invention.

3 is a diagram illustrating the configuration of non-real name payment account ledger information according to another embodiment of the present invention.

4 is a diagram illustrating the configuration of non-real name payment account ledger information according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening a non-real name payment account and registering a non-real name payment account operating in a virtual account form according to an embodiment of the present invention.

6 is a diagram illustrating an information providing process for opening a non-real name payment account and registering a non-real name payment account operating in a virtual account form according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of processing a non-real name payment account into a virtual account according to an embodiment of the present invention.

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

9 is a view showing a process of confirming the real name of the card payment account at the time of settlement of the card use amount according to the embodiment of the present invention.

<Description of main parts of drawing>

100: payment account registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information relay unit

130: information verification unit 135: storage medium

140: information processing server 145: real account processing unit

150: new provision management department 155: real name confirmation unit

160: Ga Shin-kyu establishment 165: Virtual account processing unit

170: information receiving unit 175: account registration processing unit

180: card company server 185: settlement processing server

190: customer terminal

According to the present invention, when a customer registers a payment account for a customer card online, receiving the card information, the card company information and the customer information corresponding to the customer card in the information receiving means, and corresponding to the card company information in the information checking means. Checking the validity of opening the payment account by sharing the card information and the customer information with a card company server; and upon checking the validity, the account opening means is based on the customer information in connection with a financial system provided at a financial institution. And processing the virtual account including the real account as the parent account and opening a virtual account including a real name verification period, and providing the virtual account information and card information from the account registration processing unit to the card company server. Card payment account comprising the step of processing to be registered as a payment account for the customer card It relates to a lock method.

As competition in the financial industry accelerates, each commercial bank opens a banking account (e.g., a settlement account for credit card payments) associated with a card issued by a holding company or at least one affiliate card company. To encourage them to

However, if the financial account of the customer who issued the card is not opened in the bank to which the payment account is transferred, the customer may use the financial real name transaction to change the payment account determined once in the card issuance process to the bank. Inconvenient to open a new financial account by visiting the bank's counter in accordance with the Secret Security Act and the Concurrent Decree (Presidential Decree No. 15744), whereby the transfer of the settlement account involves a difficult problem. Doing.

An object of the present invention for solving the above problems is, when a customer registers a payment account for a customer card online, information receiving means for receiving card information and card company information and customer information corresponding to the customer card, and the card company Information checking means for confirming the validity of opening the payment account by sharing the card information and the customer information with a card company server corresponding to the information; and when checking the validity, the customer information is linked with a financial system provided at a financial institution. An account opening means for processing a virtual account based on the financial institution's real account, and providing the virtual account information and card information to the card company server to register the virtual account as a payment account for the customer card. It is to provide a card payment account registration system comprising an account registration processing means for processing as possible.

The card payment account registration method according to the present invention, when the customer registers the payment account for the customer card online, the step of receiving card information, card company information and customer information corresponding to the customer card in the information receiving means, information Confirming the validity of opening the payment account by sharing the card information and the customer information with a card company server corresponding to the card company information in a verification means; and when verifying the validity, a financial system provided to the financial institution in the account opening means. And processing the virtual account including the real name of the financial institution based on the customer information and establishing a virtual account including a real name verification period, and performing an account registration processing means to the card company server to the card company server. Providing information to process the virtual account to be registered as a payment account for the customer card Characterized in that comprises a step.

The card payment account registration method according to the present invention comprises the steps of confirming whether the customer real name for the virtual account is confirmed during the real name confirmation means in the real name confirmation means and the customer for the virtual account within the real name confirmation period in the real account processing means; When the real name is confirmed, the virtual account is converted into a card payment account whose real name is confirmed in association with the financial system, and the opening date of the card payment account is processed retroactively to the opening date of the virtual account, and within the real name confirmation period. If the customer real name for the virtual account is not confirmed, further comprising the step of automatically extending the real name verification period in connection with the financial system.

In the card payment account registration method according to the present invention, when the card company server requests settlement of the use amount of the customer card using the card information and the virtual account information, the settlement processing means connects to the financial system through the virtual account. It characterized in that it further comprises the step of processing the payment amount of the customer card.

On the other hand, it includes a recording medium recording a program for executing the above-described card payment account registration method.

On the other hand, the card payment account registration system according to the present invention, when the customer registers the payment account for the customer card online, information receiving means for receiving the card information, card company information and customer information corresponding to the customer card, and Information checking means for confirming the validity of opening the payment account by sharing the card information and the customer information to the card company server corresponding to the card company information, and the customer information in connection with the financial system provided in the financial institution when the validity is confirmed An account opening means for processing a virtual account based on a real account of the financial institution, and providing the virtual account information and card information to the card company server so that the virtual account becomes a payment account for the customer card. And account registration processing means for processing to be registered.

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

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

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

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

1 is a diagram illustrating a non-real name payment account registration system for non-real name registration (or transfer) processing of a card payment account according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a non-real name payment account for processing a non-real name registration (or transfer) process of a card payment account from a predetermined customer terminal 190 to a predetermined payment account registration server 100 through a communication network. When the card payment account application information is provided, the payment account registration server 100 connects the card payment account application information provided from the customer terminal 190 with the information processing server 140 provided in a predetermined financial institution to the non-real name. It is a diagram illustrating a system configuration of opening a virtual account in the form of a virtual account by processing a real account operated by the financial institution as a parent account.

Persons of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 1 and the non-real name of the card payment account in addition to the non-real name payment account in the form of a virtual account having a real account operated by the financial institution. While it would be possible to infer an implementation method for a system for registering various forms of non-real name payment accounts for registration (or transfer) processing, the present invention includes all the implementation methods inferred above, and is shown in FIG. It is not limited to only.

For example, a person of ordinary skill in the art to which the present invention pertains may implement a system for registering a non-real name payment account in the form of a novel account with the introduction of the concept of a rechargeable prepaid card by referring to and / or modifying the drawing 1. Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, a non-real name payment account registration system for registering a non-real name payment account in the form of a virtual account having a real account operated by the financial institution as a parent account is provided through a predetermined communication network. Register the card payment account without the payment account registration server 100 (e.g., online real name verification (e.g., financial real name verification by the Act on the Real-name Financial Transactions and Confidentiality and Concurrent Enforcement Decree (Presidential Decree No. 15744)) Or transfer the non-real name payment account (or transfer) for the non-real name registration (or transfer) of the card payment account to the web server to be processed, or affiliated web server of the financial institution-shopping mall web server, home shopping web server, portal server, etc.) The customer terminal 190 requesting the establishment, and the customer terminal 190 is connected to the customer terminal 190 through a predetermined communication network, the predetermined card payment account application information from the customer terminal 190 A payment account registration server 100 that receives and provides the received card payment account application information to an information processing server 140 provided at a predetermined financial institution, the payment account registration server 100 and a predetermined financial network; The non-real name that is connected through the payment account registration server 100 receives the card payment account application information from the payment account, and established in response to the card payment account application information in the customer name based on the received card payment account application information An information processing server 140 for processing and opening a payment account as a new account, a financial system for operating a non-real name payment account processed with the new bill, and a card using the non-real name payment account as a payment account (eg, credit card, check) The card company server 180 that issued the card and the like, and the card use amount is settled through the non-real name payment account in connection with the card company server 180. It is achieved by treatment with a settlement server 185.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account. An accounting system that handles window services, such as credits or receptions or trusts or foreign exchanges that occur at one or more branches (or counters); an information system that processes headquarters operations, branch office information support and customer information management; Interconnection between at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, 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 predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

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

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

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

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

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

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

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

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

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

According to the present invention, a customer who registers (or transfers) a card payment account through an online channel may include at least one customer terminal 190 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the payment account registration server 100 through the).

Here, the wired terminal connected to the wired communication network of the customer terminal 190 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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

The payment account registration server 100 is a card of the customer to the customer terminal 190 including at least one wired terminal (or wireless terminal) through a communication network including at least one wired communication network (or wireless communication network). It is characterized by providing a card payment account registration interface for processing to register (or open) a payment account with the financial institution.

To this end, the customer terminal 190 outputs a card payment account registration interface provided from the payment account registration server 100, and inputs at least one card payment account application information through the card payment account registration interface; Or a function configuration (for example, a browser program and a communication function, or a communication program and a communication function for communicating with the payment account registration server 100, etc.) for selecting and transmitting to the payment account registration server 100. desirable.

If one of ordinary skill in the art to which the present invention pertains, the card payment account registration interface provided from the payment account registration server 100 is provided and outputted as described above, and at least one or more through the card payment account registration interface. Features of the customer terminal 190 corresponding to at least one wired terminal (or wireless terminal) for inputting and / or selecting card payment account application information and transmitting to the payment account registration server 100 can be easily inferred. Since there will be, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment account registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 190 through the communication network.

According to an embodiment of the present invention, when the customer terminal 190 includes a wired terminal (or a wireless terminal) connected to a predetermined wired communication network (or a wireless communication network), the interface unit 105 may include the wired communication network ( Or a predetermined communication channel with the customer terminal 190 based on a protocol stack defined in a wireless communication network), and at least one or more information using a communication protocol defined in a communication program included in the customer terminal 190. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 190, the interface unit 105 may be connected to the client terminal 190 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 190 is provided with a communication program provided by the payment account registration server 100, the interface unit 105 communicates with the customer terminal 190 based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal 190 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 190 and using at least one communication protocol defined in a communication program included in the customer terminal 190 to transmit and receive at least one information (or data). Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 190, the interface unit 105 is based on the CDMA protocol. And a communication channel, and transmit and receive a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 1, the payment account registration server 100 registers (or transfers) a card payment account by a predetermined customer terminal 190 accessing the payment account registration server 100 through the interface unit 105. Generate a web page (or extract it from a predetermined web source D / B (not shown)) including a card payment account registration interface for inputting (or selecting) and transmitting the card payment account application information; An interface providing unit 110 for providing the generated (or extracted) web page to the customer terminal 190 in conjunction with the 105, and in the customer terminal 190 in conjunction with the interface unit 105 An information receiving unit 115 for receiving card payment account application information transmitted by inputting (or selecting) through the card payment account registration interface; card information and card included in the received card payment account application information; An information verification unit 130 that checks the validity of the card payment account registration (or transfer) in connection with the card company server 180 based on the company information and the customer information, and the received card payment account application information in a predetermined finance. Characterized in that it comprises an information relay unit 125 provided to the information processing server 140 provided in the financial institution through the network.

In addition, the payment account registration server 100 is received from the customer terminal 190 through the information receiving unit 115 for the post management of the card payment account application information received through the information receiving unit 115. Non-real name payment account issuance information including at least one card payment account application information, various card payment account related information associated with the card payment account application information and at least one non-real name payment account information opened based on the card payment account application information It is characterized in that it further comprises an information storage unit 120 for storing in the storage medium 135 in association with, wherein the card payment account related information included in the non-real name payment account issuance information from the customer terminal 190 Received non-real name payment account security information, new transaction processing information, virtual account processing information, non-face-to-face financial transaction consent information, etc. It is preferable to comprise at least one or more.

When a predetermined client terminal 190 accesses the payment account registration server 100 through the interface unit 105 to apply for registration (or transfer) of a card payment account, the interface provider 110 requests the customer. In response to the functional configuration provided in the terminal 190, the card payment account application information for registration (or transfer) of the card payment account is input (or selected) and transmitted to the payment account registration server 100 through the communication network. Generate at least one web document including a card payment account registration interface, and / or extract it from a predetermined database (not shown), and generate the link (or a predetermined web source) in conjunction with the interface unit 105; The web page including at least one web document extracted from the D / B (not shown) is provided to the customer terminal 190 through the communication network.

Thereafter, the customer terminal 190 inputs (or selects) card payment account application information for registration (or transfer) of the card payment account based on the card payment account registration interface. Or the selected) card payment account application information is transmitted to the payment account registration server 100 through the communication network.

According to an embodiment of the present invention, when the customer terminal 190 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may provide a card payment that can be provided by a browser program provided in the wired terminal. Generate at least one web document including an account registration interface (or extract it from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B through the interface unit 105). It is preferable to provide to the customer terminal 190 a web page including at least one web book extracted from (not shown).

According to another exemplary embodiment of the present invention, when the customer terminal 190 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may be provided by a browser program provided in the wireless terminal. Generate at least one web document including a card payment account registration interface (or extract it from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source) through the interface unit 105; It is preferable to provide a web page including at least one web document extracted from the D / B (not shown) to the customer terminal 190.

According to an embodiment of the present invention, the card payment account registration interface for receiving (or selecting) predetermined card payment account application information from the customer terminal 190 in the payment account registration server 100 is the card payment account. It is preferable to include a user interface for inputting (or selecting) card information and card company information corresponding to the customer card to register (or transfer).

The card payment account registration interface for inputting (or selecting) the card payment account application information outputs the card payment account terms and conditions information to the customer terminal 190, and the user agrees to the terms. It is preferable to comprise a.

The card payment account registration interface for inputting (or selecting) the card payment account application information may include a user interface for inputting a deposit amount for the customer to deposit the card payment account, and a bank transfer (or remittance) of the deposit amount. In the case of making a deposit, it is preferable to include a user interface for inputting the financial account information (for example, the original account information for the amount deposited into the non-real name payment account) from which the deposit amount is withdrawn.

The card payment account registration interface for inputting (or selecting) the card payment account application information may include customer personal information (eg, a customer name and a social security number) for the customer applying for registration (or transfer) of the card payment account. , A phone number, a mobile phone number, an address, an e-mail address, etc.), and / or the customer member information (eg, customer ID information, password information) provided in the payment account registration server 100. It is preferred to include a user interface for input (or selection).

Thereafter, the customer terminal 190 includes at least one of the card information and the card company information, the agreement agreement information corresponding to the card payment account, the deposit amount information, and the customer information through the card payment account registration interface. Input (or select) the card payment account application information to be transmitted to the payment account registration server 100 through the communication network.

According to an embodiment of the present invention, a card payment account registration interface for inputting (or selecting) the card payment account application information includes an account password for a non-real name payment account established in correspondence with the card payment account application information, or The method may further include a user interface for inputting (or selecting) non-real name payment account security information including at least one financial transaction password for processing at least one non-face-to-face financial transaction through the non-real name payment account.

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

When a card payment account registration interface for inputting (or selecting) the non-real name payment account security information is provided to the customer terminal 190, the customer terminal 190 receives the non-real name payment account security information through the card payment account registration interface. After inputting (or selecting), the inputted (or selected) non-real name payment account security information is transmitted to the payment account registration server 100 through the communication network, or the non-real name payment account security information is applied to the card payment account application information. Further including the information is transmitted to the payment account registration server 100 through the communication network.

If the non-real name payment account security information is included in the card payment account application information, the confidentiality, authentication, integrity, and nonrepudiation of the non-real name payment account security information are secured. In order to secure the non-real name payment account security information (or the card payment account application information including the non-real name payment account security information) is preferably encrypted by at least one or more encryption method is transmitted to the payment account registration server 100.

According to an embodiment of the present invention, a card payment account registration interface for receiving (or selecting) the card payment account application information may be used to confirm a financial real name of a non-real name payment account established in correspondence with the card payment account application information. Provision of provisional terms and conditions and provisional processing period information indicating that the non-real name payment account is processed as a provisional provision (e.g., a period in which the non-real name payment account is operated as a provisional provision until the verification of the financial real name of the non-real name settlement account) And a user interface for outputting, etc. to the customer terminal 190 and inputting (or selecting) false new processing information for the customer to agree (or apply for) the new provisional terms and conditions and the provisional processing period information. It is preferable to make.

If the new provisions terms and conditions and information processing period information is included in the terms and conditions information corresponding to the card payment account, the new provisions information and the provisions information processing period information is output to the customer terminal 190, The user interface for confirming consent to this may be omitted.

When a card payment account registration interface is provided to the customer terminal 190 to input (or select) the false new processing information, the customer terminal 190 inputs the false new processing information through the card payment account registration interface. After (or select), the input (or selected) the new provision processing information is transmitted to the payment account registration server 100 through the communication network, or the new provision processing information is added to the card payment account application information. It includes and transmits to the payment account registration server 100 through the communication network.

According to an embodiment of the present invention, a card payment account registration interface for receiving (or selecting) the card payment account application information may be configured to operate a non-real name payment account established in correspondence with the card payment account application information at the financial institution. Virtual account processing information including mother account information including at least one financial institution for opening a virtual account in the form of a parent account and mother account information corresponding to a real account operated in the mother account operating institution. Preferably, the method further comprises a user interface for inputting (or selecting).

When the card payment account registration interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 190, the customer terminal 190 registers the card payment account. After inputting (or selecting) the virtual account processing information through an interface, transmitting the input (or selecting) virtual account processing information to the payment account registration server 100 through the communication network, or the card payment account. The application information further includes the virtual account processing information and is transmitted to the payment account registration server 100 through the communication network.

In addition, if the customer is not a member of a conventional financial transaction with the financial institution (for example, the financial institution does not have at least one customer account corresponding to the customer, or the customer makes a financial transaction with the financial institution). If no details have been processed), the card payment account registration interface for receiving (or selecting) the card payment account application information, the financial transaction for processing the first financial transaction with the financial institution to the customer terminal 190 And a user interface for outputting application condition information and confirming that the customer has agreed to the financial transaction application condition. If the customer is a financial transaction customer of the financial institution, the user interface is omitted. The user interface may be described in the following. It may be included in non-face-to-face financial transaction agreement information.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the card payment account, or if the financial transaction application is processed in the real name verification process for the card payment account, the customer to the financial institution the financial transaction The user interface for applying for it is possible to be omitted, whereby the invention is not limited.

When a card payment account registration interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 190, the customer terminal 190 inputs the financial transaction application information through the card payment account registration interface. (Or selection), and transmits the input (or selection) of the financial transaction application information to the payment account registration server 100 through the communication network, or the financial transaction application information (shown in the card payment account application information). (Omitted) to the payment account registration server 100 through the communication network. In FIG. 1, the financial transaction application information is included in the non-face-to-face financial transaction agreement information specified below for convenience. do.

In addition, if the customer is not a member of a conventional financial transaction with the financial institution (eg, the financial institution does not have at least one customer account corresponding to the customer, or the customer has a financial transaction with the financial institution). Card), or if the customer is not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.) of the financial institution. The card payment account registration interface for inputting (or selecting) payment account application information may be configured to process at least one non-face-to-face financial transaction with the customer terminal 190 through at least one non-face-to-face financial transaction channel. Non-face-to-face financial transaction terms information (e.g., internet banking subscription terms, or wireless banking subscription terms, Further includes a user interface for outputting TV banking subscription terms information, home banking subscription terms information, etc.) and inputting (or selecting) non-face-to-face financial transaction agreement information in which the customer agrees to the non-face-to-face financial transaction terms information. It is preferable to make.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the card payment account, or the non-face-to-face financial transaction application is processed in the real name verification process for the card payment account, or various If non-face-to-face financial transaction authentication is omitted for a financial transaction, the customer agrees to (or face-to-face) financial transactions for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. The user interface) can be omitted, and the present invention is not limited thereto.

When the card payment account registration interface for inputting (or selecting) the non-face-to-face financial transaction agreement information is provided to the customer terminal 190, the customer terminal 190 may perform the non-face-to-face financial transaction through the card payment account registration interface. After entering (or selecting) the consent information, the input (or selected) non-face-to-face financial transaction consent information is transmitted to the payment account registration server 100 through the communication network, or the card payment account application information is Further including non-face-to-face financial transaction agreement information is transmitted to the payment account registration server 100 through the communication network.

When the customer terminal 190 inputs (or selects) predetermined card payment account application information through the card payment account registration interface and transmits it through the communication network, the information receiving unit 115 communicates with the interface unit 105. Characterized in that the card payment account application information received in conjunction with, and if the received card payment account application information is encrypted, preferably further comprises a function for decrypting the encrypted card payment account application information. .

In addition, the customer terminal 190 inputs (or selects) predetermined non-real name payment account security information through the card payment account registration interface through the communication network, or the non-real name payment account at the customer terminal 190. When the security information is included in the card payment account application information and transmitted, the information receiver 115 may receive the non-real name payment account security information in cooperation with the interface unit 105.

In addition, the customer terminal 190 inputs (or selects) predetermined fake processing information through the card payment account registration interface through the communication network, or the false information processing information in the customer terminal 190. When the transmission is included in the card payment account application information, the information receiving unit 115 is characterized in that the interfacing with the interface unit 105 to receive the new provision processing information.

In addition, the customer terminal 190 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the card payment account registration interface and transmits the data through the communication network, or the customer terminal. When the virtual account processing information is transmitted to the card payment account application information at 190, the information receiving unit 115 interoperates with the interface unit 105 to include the mother account agency information and the mother account information. And receiving account processing information.

In addition, the customer terminal 190 inputs (or selects) predetermined financial transaction application information through the card payment account registration interface and transmits it through the communication network, or the financial transaction application information from the customer terminal 190. When the transmission is included in the card payment account application information, the information receiving unit 115, in conjunction with the interface unit 105, characterized in that for receiving the financial transaction application information.

In addition, the customer terminal 190 inputs (or selects) predetermined non-face-to-face financial transaction agreement information through the card payment account registration interface and transmits it through the communication network, or the non-face-to-face in the customer terminal 190. When the financial transaction agreement information is included in the card payment account application information and transmitted, the information receiving unit 115 receives the non-face-to-face financial transaction agreement information in association with the interface unit 105.

The information checking unit 130 checks the card information, card company information and customer information included in the card payment account application information received through the information receiving unit 115, the card company server corresponding to the card company information through the financial network Share the card information and the customer information to 180 to confirm the validity of registering (or transferring) a card payment account for the customer card corresponding to the card information.

The information storing unit 120 stores the card payment account application information received through the information receiving unit 115 in a non-real name payment account issuing information and stores the predetermined information in a predetermined storage medium 135. The payment account registration server 100 provides a basis for receiving a fee for attracting a customer to register (or transfer) the card payment account from the financial institution based on the card payment account application information stored in the storage medium 135. do.

When the non-real name payment account security information is received through the information receiving unit 115, the information storage unit 120 may issue the non-real name payment account issuing information in which the non-real name payment account security information is linked to the card payment account application information. And the non-real name payment account security information is used to authenticate various financial transactions for the non-real name payment account at a financial company server that processes the card use amount.

When the new provision processing information is received through the information receiving unit 115, the information storage unit 120 stores the non-real name payment account issuing information in which the card provision processing information is linked to the card payment account application information. Characterized in that (135), wherein the provisional processing information is processed by the financial company server for processing the payment amount of the card until the financial real name verification for the non-real name payment account for processing various financial transactions for the non-real name payment account Provide evidence.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 115, the information storage unit 120 processes the virtual account processing information in association with the card payment account application information. The non-real name payment account issuance information is stored in the storage medium 135, wherein the virtual account processing information is stored in the non-real name before confirming the financial real name for the non-real name payment account at the financial company server that processes the card use amount. It provides a basis for processing various financial transactions for the settlement account based on the virtual account that is the parent account of the real account operated by the financial institution.

When the non-face-to-face financial transaction agreement information is received through the information receiving unit 115, the information storage unit 120 performs non-real name payment account issuance information in which the non-face-to-face financial transaction agreement information is processed in association with the card payment account application information. The non-face-to-face financial transaction consent information may be stored in the storage medium 135. Provide a basis for processing various financial transactions.

According to an embodiment of the present invention, the information storage unit 120 processes the card use amount when the predetermined non-real name payment account corresponding to the card payment account application information is opened by the information processing server 140. The non-real name payment account information opened by the information processing server 140 in order to process various financial transactions for the non-real name payment account in the financial company server further includes in the non-real name payment account issuing information to the storage medium 135 It is preferable to store or replace card payment account application information included in the non-real name payment account issuing information with non-real name payment account information opened by the information processing server 140, and thus, the present invention is not limited thereto. .

Here, the non-real name payment account information includes a non-real name payment account number in the form of a virtual account number generated by the provisional opening unit 160 and the virtual account processing unit 165 of the information processing server 140, the card payment account application It is preferable to include the account holder information corresponding to the customer information included in the information, the payment account registration server 100 operating institution information and the financial institution information that the non-real name payment account is opened.

The information relay unit 125 transmits the card payment account application information received through the information receiving unit 115 to an information processing server 140 provided in a financial institution operating the card payment account through a predetermined financial network. It is characterized by relay transmission.

Here, the financial network connecting the payment account registration server 100 and the information processing server 140, a dedicated communication network that blocks access by a third party other than the payment account registration server 100 and the information processing server 140. And / or a secure communication network (eg, payment account registration server 100) that provides a secure communication function between the payment account registration server 100 and the information processing server 140 to encrypt the card payment account application information in a predetermined encryption scheme. And a communication network for transmitting the information to the information processing server 140 and decrypting the card payment account application information through a decryption method corresponding to the encryption method in the information processing server 140). .

When the non-real name payment account security information is received through the information receiving unit 115, the information relay unit 125 includes the non-real name payment account security information in a financial institution operating the card payment account through a predetermined financial network. It is characterized in that the relayed transmission to the information processing server 140, whereby the information processing server 140 is the non-real name payment account security information from the payment account registration server 100 to the financial system provided in the financial institution Open a non-real name payment account that can handle financial transactions.

When the new provision processing information is received through the information receiving unit 115, the information relay unit 125 is provided to a financial institution that operates the card payment account through the predetermined financial network for the new provision processing information. Characterized in that the transmission to the processing server 140, thereby the information processing server 140 is a non-real name payment account opened in response to the card payment account application information in the financial system provided in the financial institution as a new Open.

When the financial transaction application information is received through the information receiving unit 115, the information relay unit 125 may provide the financial transaction application information to a financial institution that operates the card payment account through a predetermined financial network. Characterized in that the transmission to the processing server 140, so that the information processing server 140 is provided to the financial institution, even if the card payment account registration (or previous) customer is not a conventional customer of the financial institution A non-real name payment account opened in response to the card payment account application information is opened in a financial system in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 115, the information relay unit 125 pays for the card through the predetermined financial network through the predetermined financial network. It is characterized in that the transmission to the information processing server 140 provided in the financial institution operating the account, whereby the information processing server 140 corresponds to the card payment account application information to the financial system provided in the financial institution A non-real name payment account opened in the form of a virtual account using a real account operated by the financial institution as a parent account.

When the non-face-to-face financial transaction agreement information is received through the information receiving unit 115, the information relay unit 125 operates the card payment account for the non-face-to-face financial transaction agreement information through a predetermined financial network. It is characterized in that the transmission to the information processing server 140 provided in, so that the information processing server 140 from the payment account registration server 100 to the non-real name payment account to the financial system provided in the financial institution Open a non-real name settlement account that handles various financial transactions in a non-face-to-face manner.

According to another exemplary embodiment of the present invention, when the information processing server 140 is provided with a payment account registration server 100 function and / or the information processing server 140 is a predetermined banking server, the information is provided. The relay unit 125 connects and relays the customer terminal 190 and the information processing server 140 so that the card payment account application information (or the card payment account) is received from the customer terminal 190 in the information processing server 140. It is possible to relay to directly provide a predetermined card payment account registration interface for receiving false transaction processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc., As a result, the information processing server 140 receives the card payment account application information (or false information processing information, non-real name payment account security information, etc.) from the customer terminal 190 through a predetermined communication network. Financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) can be directly received, and thus the present invention is not limited thereto.

According to another embodiment of the present invention, between the payment account registration server 100 and the information processing server 140 relays at least one or more payment account registration server 100 and the information processing server 140, And / or relay the payment account registration server 100 and at least one information processing server 140, and / or relay the at least one payment account registration server 100 and at least one information processing server 140. It is possible that a predetermined relay server (not shown) is further provided, whereby the present invention is not limited.

Referring to Figure 1, the information processing server 140 is the card payment account application information provided from the payment account registration server 100 through the financial network (or new information processing information, non-real name payment account security information, financial Information receiving unit 170 for receiving transaction application information, virtual account processing information, non-face-to-face financial transaction consent information, etc.) and card payment account application information received through the information receiving unit 170 in association with a predetermined financial system. A virtual account establishment unit 160 that opens a corresponding non-real name payment account as a new one, and a virtual account that processes a non-real name payment account established as the new one as a virtual account using a parent account operated by the financial institution. Processing unit 165, the non-real name payment account in the form of virtual account management unit 150 to manage before the real name confirmation for the card payment account registration (or transfer) customer, and A real name verification unit 155 for confirming whether a real name of the financial transaction request customer for a non-real name payment account opened in response to the card payment account application information is confirmed within a predetermined real name verification period, and the card payment account application If the real name for the non-real name payment account opened as a new name is confirmed in response to the information, characterized in that it comprises a real account processing unit 145 for processing the non-real name payment account opened as a new card as a card payment account; The non-real name payment account is shared with the card company server 180 by sharing the non-real name payment account information opened and / or registered in the form of the virtual account and the card information with the card company server 180 through a financial network. It is characterized by comprising an account registration processing unit 175 for processing to be registered as.

The information receiving unit 170 is card payment account application information (or false new processing information, non-real name payment account security information, financial transaction application information, virtual account processing information provided from the payment account registration server 100 through the financial network) And non-face-to-face financial transaction agreement information, etc.), wherein the received card payment account application information (or a new transaction processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face) Financial transaction agreement information, etc.) is provided to the provisional provision establishment unit 160.

Card payment account application information (or pseudonym processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face finance provided from the payment account registration server 100 according to an embodiment of the present invention) If the transaction agreement information, etc.) is encrypted, the information receiving unit 170, the encrypted card payment account application information (or pseudonym processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial) It is desirable to further include a function for decrypting transaction agreement information).

The card payment account application information (or pseudonym processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction) from the payment account registration server 100 through the information receiving unit 170 If the consent information, etc.) is provided, the new provision opening unit 160 is the card payment account application information (or new provision processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial) Read the transaction agreement information, etc.) and through the predetermined financial system, the card payment account application information (or new transaction processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information) Etc.) is characterized by opening a non-real name payment account as a new one.

Here, the new provision opening unit 160 corresponds to the card payment account application information (or new provision processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) Opening a non-real name payment account to a new provision includes: applying the card payment account information (or new transaction processing information, non-real name payment account security information, financial transaction application information, virtual account) to the ledger D / B provided on the financial system. And registering the customer ledger and the non-real name payment account ledger corresponding to the processing information, non-face-to-face financial transaction agreement information, etc.).

According to one embodiment of the present invention, a non-real name payment account ledger for the non-real name payment account corresponding to the card payment account application information, an account ledger corresponding to a new non-real name payment account opened based on the card payment account application information It is preferable to register with the ledger D / B in the form of, and store predetermined temporary information for managing the non-real name payment account in association with the non-real name payment account ledger.

According to another exemplary embodiment of the present invention, a non-real name payment account ledger for the non-real name payment account corresponding to the card payment account application information corresponds to a virtual account associated with a predetermined parent account based on the card payment account application information. Preferably it is registered in the ledger D / B in the form of an account ledger, wherein the parent account is to register the customer financial account, or the non-real name payment account already established in the ledger D / B on the financial system It is possible to include at least one or more of the financial institution accounts already established in the ledger D / B on the system, by which the present invention is not limited.

The non-real name payment account corresponding to the registered non-real name payment account ledger is not a real name financial account corresponding to the Financial Real Name Transaction and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, the non-real name financial account Financial transactions are a violation of the above laws.

However, it is possible to deposit a predetermined amount (or deposit amount) into the non-real name settlement account by the Financial Real Name Real Estate Transaction and Secret Guarantee Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the new provision opening unit 160 is the card payment account application information (or new provision processing information, non-real name payment account security information, financial transaction application information, virtual account processing received through the payment account registration server 100) Based on the information, non-face-to-face financial transaction agreement information, etc., a procedure of opening the non-real name payment account in connection with the external and / or information systems provided in the financial system (eg, registering a non-real name payment account ledger). Procedure), and provide the result to the virtual account processor 165. FIG.

If the person having ordinary knowledge in the technical field to which the present invention belongs, the new provision establishment unit 160 to open the non-real name payment account in conjunction with the financial system (for example, to register a predetermined non-real name payment account ledger) Since you will be familiar with the detailed procedure, detailed description thereof will be omitted for convenience.

The virtual account processing unit 165 is to process the non-real name payment account (or non-real name payment account ledger) opened by the provisional opening section 160 as a virtual account using a real account operated by the financial institution as a parent account. It features.

According to an embodiment of the present invention, the non-real name payment account ledger corresponding to the non-real name payment account processed in the form of a virtual account having a real account operated by the financial institution as the parent account includes the conventional virtual account ledger information. In addition, real account ledger information (for example, ledger information including an account number conforming to an account number system corresponding to a real account), which can be processed as a new account in the form of a real account when the financial real name of the non-real name payment account is confirmed. Preferably, the non-real name payment account is processed in the form of a virtual account that uses the real account operated by the financial institution before the real name verification for the non-real name payment account.

According to another exemplary embodiment of the present invention, the non-real name payment account ledger corresponding to the non-real name payment account processed in the form of a virtual account having a real account operated by the financial institution as the parent account may be a real account operated by the financial institution. It may include virtual account ledger information (for example, ledger information including an account number that follows the virtual account number system), in this case, the virtual account ledger information when the financial real name for the non-real name payment account is confirmed. It is possible to convert (or replace) ledger information (eg, ledger information including an account number conforming to an account number system corresponding to a real account), whereby the invention is not limited.

Thereafter, the pseudonym management unit 150 is a non-real name payment account established as the pseudonym to a virtual account that uses the real account operated by the financial institution until the real name confirmation for the card payment account registration (or transfer) customer It is characterized by operating by processing.

According to the method of the present invention, the provisional management unit 150 deposits the deposit amount in the virtual account when a predetermined amount is deposited (or transferred) into the non-real name settlement account through the financial system. Processing (for example, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the non-real name payment account through the financial system, the withdrawal amount is processed as withdrawing the amount deposited in the virtual account ( For example, withdrawal processing of the withdrawal amount from the real account corresponding to the parent account of the virtual account.

In addition, when the interest on the amount deposited in the non-real name payment account is calculated through the financial system, the new management unit 150 may be a virtual account type that uses the real account operated by the financial institution as the parent account. Characterized in that interest is processed as a non-real name payment account.

By processing the non-real name payment account as a virtual account as a parent account operated by the financial institution as described above, the provisional management unit 150 is the law on financial real-name trading and confidentiality until the non-real name payment account is verified And contravention (Presidential Decree No. 15744).

The account registration processing unit 175 is a non-real name payment account information opened (or registered) in the form of a virtual account by the provisional opening unit 160 and the virtual account processing unit 165 through the financial network, and the card payment account By sharing the card information included in the application information to the card company server 180, it is characterized in that the non-real name payment account is registered in the card company server 180 to be registered as the card payment account.

Thereafter, the card company server 180 opens the registered card payment account (ie, a non-real name payment account opened (or registered) in the form of a virtual account by the provisional opening unit 160 and the virtual account processing unit 165). It is characterized in that the settlement of the payment amount of the card through.

The real name verification unit 155 is the law on the financial real name transaction and confidentiality while the non-real name payment account opened by the new provision establishment unit 160 is managed by the new provision management unit 150, and According to the financial real name verification procedure corresponding to the enforcement decree (Presidential Decree No. 15744), it is characterized by checking whether the real name of the customer of the card payment account registration (or transfer) is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 155 registers (or transfers) the customer with the card payment account for the non-real name payment account through a window terminal financial transaction system through a window terminal associated with the financial system. It is desirable to confirm that the real name of the is confirmed.

According to another exemplary embodiment of the present invention, if the card payment account registration (or transfer) customer is a conventional financial transaction customer for the financial institution, and the customer is an Internet banking customer corresponding to the financial institution (for example, If the financial institution has performed the real name verification process for the customer), the real name verification unit 155 is the official name based on the real name verification process defined in the Internet banking system for the non-real name payment account It is desirable to verify that the customer's real name is identified.

According to another exemplary embodiment of the present invention, when the card payment account registration (or transfer) customer is a conventional financial transaction customer for the financial institution, and the customer is a wireless banking customer corresponding to the financial institution (for example, , When the financial institution has performed the real name verification procedure for the customer), the real name verification unit 155 is the official name based on the real name verification process defined in the wireless banking system for the non-real name payment account It is desirable to verify that the customer's real name is identified.

According to another embodiment of the present invention, the card payment account registration (or transfer) customer is a conventional financial transaction customer for the financial institution, and the customer corresponds to the financial institution, and the banking and / or home banking, And / or a TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the customer), the real name verification unit 155 may be a certificate-based real name verification defined in the wireless banking system. Through the procedure, it is possible to confirm whether the real name of the customer with respect to the non-real name payment account is confirmed, whereby the present invention is not limited.

According to an embodiment of the present invention, the real name verification unit 155 is provided in the financial system (or financial) to confirm the real name of the card payment account registration (or transfer) customer within a predetermined real name verification period It is desirable to periodically request the customer to perform a real name verification procedure for a non-real name payment account using a telemarketing function provided to the institution.

Alternatively, the real name verification unit 155 uses a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer within a predetermined real name verification period. It is preferable to periodically request the customer to perform a real name verification procedure for a non-real name payment account.

Alternatively, when the card payment account registration (or previous) customer is a conventional financial transaction customer for the financial institution, the real name verification unit 155 checks the real name for the customer within a predetermined real name verification period, A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and / Or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, requesting the customer to perform a real name verification procedure for a non-real name payment account in connection with the financial transaction system. desirable.

If the real name of the card payment account registration (or previous) customer is confirmed within a predetermined real name verification period, the real name verification unit 155 generates the real name verification information for the customer to generate the real account processing unit 145. To provide.

Alternatively, when the real name of the card payment account registration (or previous) customer is confirmed within the predetermined real name verification period, the real name verification unit 155 generates the real name unconfirmed information about the customer to generate the real account processing unit ( 145).

When real name verification information is provided from the real name verification unit 155 including the real name of the card payment account registered (or previous) customer within the real name verification period, the real account processing unit 145 is provided with the financial information. The non-real name payment account processed by the new provision opening unit 160 and / or the new provision management unit 150 as the new provision in connection with the system is characterized in that it is processed as a valid card payment account.

According to an embodiment of the present invention, when real name confirmation information is provided from the real name confirmation unit 155 including the real name of the card payment account registered (or previous) customer confirmed within the real name confirmation period, The account processing unit 145 is a non-real name payment account processed by the new provisions opening unit 160 and / or new provisions management unit 150 in association with the external system and / or information system provided in the financial system It is desirable to treat your bank as a valid credit card account for all financial transactions.

According to an embodiment of the present invention, when a lock is set such that the amount deposited with the opened non-real name payment account is not withdrawn by any financial transaction until the real name verification for the non-real name payment account is made, the real account processing unit 145 ) Releases the lock on the non-real name payment account in connection with the external and / or information systems provided in the financial system, whereby the non-real name payment account processed by the provisional provision is valid for all financial transactions. It is processed as a card payment account.

According to another exemplary embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, so that the amount deposited with the opened non-real name payment account is associated with the non-real name payment account. When transferred to a predetermined virtual account, the real account processing unit 145 returns the amount deposited in the withdrawal prevention virtual account to the non-real name payment account in connection with the external and / or information systems provided in the financial system ( Or re-transfer) and / or to remove (or erase) the withdrawal virtual account, whereby the non-real name payment account processed as the pseudonym is treated as a valid card payment account capable of all financial transactions.

According to another exemplary embodiment of the present invention, the banking system is provided with a new account processing mother account for the non-real name payment account, and the opened non-real name payment account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into a non-real name payment account processed as a virtual account provided with the withdrawal prevention function, the real account processing unit 145 is provided with the virtual account. Release the withdrawal prevention function of the non-real name payment account processed as the virtual account with the withdrawal prevention function in association with the external system and / or the information system, and provide (or erase) the virtual account function associated with the parent account processing account. Preferably, the non-real name payment account is processed, whereby the non-real name payment account processed with the provisional rules is available for all financial transactions. It will be processed as a valid card payment account.

According to the exemplary embodiment of the present invention, the real account processor 145 processes the non-real name payment account as a valid card payment account capable of all financial transactions, so that the information receiving unit 170 sets the non-real name payment account establishment date to the payment account. Date of receiving the card payment account application information (or a new transaction processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) from the registration server 100, or the It is preferable that the provisional opening unit 160 retroactively applies any one of the dates on which the non-real name payment account is opened on the financial system.

According to the present invention, a real name confirmation unit 155 for confirming the real name of the customer for the non-real name payment account opened as the hidden rule and, if the real name for the non-real name payment account is confirmed, the non-real name established as the pseudonym The real account processing unit 145 for processing a payment account as a card payment account whose real name is confirmed is a settlement processing server 185 for processing the card use amount through the non-real name payment account in connection with the card company server 180. It is preferable to be provided in.

According to an embodiment of the present invention, the settlement processing server 185 uses the card information corresponding to the customer card and the non-real name payment account (or card payment account) in the card company server 180 to use the card amount of the customer. When requesting for the settlement, confirm the real name of the customer for the non-real name payment account based on the real name confirmation unit 155 and the real account processing unit 145, if the real name for the non-real name payment account is confirmed, the trail It is preferable to treat the non-real name payment account established with the rules as a card payment account with the real name verified.

2 is a diagram illustrating the configuration of non-real name payment account ledger information according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a virtual account corresponding to a non-real name payment account registered in the ledger D / B 200 provided on the financial system shown in FIG. 1 through the non-real name payment account registration system shown in FIG. It illustrates the registration of non-real name payment account ledger information in a form, and specifically illustrates a method of processing a virtual account ledger with a real account of the financial institution as the non-real name payment account ledger.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to convert the virtual account ledger with the real account of the financial institution as the parent account in the ledger D / B as the non-real name payment account ledger. It will be possible to infer various information construction methods for processing, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided on the financial system includes a customer ledger, at least one account ledger associated with the customer ledger, and the account ledger. It is shown to include at least one associated information ledger associated with the present invention, and those skilled in the art to which the present invention pertains, various ledgers (eg, loan ledger, collateral, etc.) omitted in addition to the ledger shown in FIG. Ledger, ... etc.) and the technical features of each ledger, so the detailed description of the omitted ledger will be omitted for convenience.

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

According to an embodiment of the present invention, when registering a non-real name payment account in the form of a virtual account associated with a parent account that is a real account of the financial institution through the non-real name payment account registration system shown in FIG. It is preferable to store the financial institution customer ledger information corresponding to the parent account of the non-real name payment account and the customer ledger information corresponding to the card payment account registration (or transfer) customer.

Here, it is preferable that the customer ledger information corresponding to the financial institution customer ledger information and the card payment account registration (or transfer) customer satisfy the configuration of the customer ledger information as described above.

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

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

According to an embodiment of the present invention, it is preferable that any one of the account ledgers corresponding to the real account of the financial institution corresponds to the parent account of the non-real name payment account registered through the non-real name payment account registration system shown in FIG.

The virtual account ledger is connected to the account ledger corresponding to the real account of the financial institution in a relational form, and the non-real name payment account corresponding to the non-real name payment account registered through the non-real name payment account registration system shown in FIG. Characterized in that it stores the ledger information, the non-real name payment account ledger information is ledger information for the settlement of the card use amount of the customer, and the mother account number and the mother account management institution for processing the non-real name payment account as a virtual account (= Financial institution) characterized in that it comprises an information structure that further comprises information.

Those skilled in the art to which the present invention pertains will be able to infer the configuration of non-real name payment account ledger information that can be converted to a real account through the real name verification, a more detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, it is preferable that the non-real name payment account ledger information is relationally associated with the additional information ledger for storing customer card operation information corresponding to the customer card for the settlement of the amount of the card use amount through the non-real name payment account. The customer card operation information may include at least one or more of card information, card company information, payment schedule date and payment amount information, and the like, which process card payment amount through the non-real name payment account.

3 is a view showing the configuration of non-real name payment account ledger information according to another embodiment of the present invention.

In more detail, FIG. 3 shows a virtual account corresponding to a non-real name payment account registered in the ledger D / B 300 provided on the financial system shown in FIG. 1 through the non-real name payment account registration system shown in FIG. It is shown that the registered non-real name payment account ledger information, specifically, the account ledger corresponding to the real account of the financial institution based on the virtual account processing information, and the virtual account form using the real account of the financial institution as a parent account It illustrates the implementation method in connection with the non-real name payment account ledger.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 and the account ledger corresponding to the real account of the financial institution based on the virtual account processing information. Although various information construction methods may be inferred in connection with a non-real name payment account ledger in the form of a virtual account having a real account as a parent account, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided on the financial system includes a customer ledger, at least one account ledger associated with the customer ledger, and the account ledger. It is shown to include at least one associated information ledger associated with the present invention, and those skilled in the art to which the present invention pertains, various ledgers (eg, loan ledger, collateral, etc.) omitted in addition to the ledger shown in FIG. Ledger, ... etc.) and the technical features of each ledger, so the detailed description of the omitted ledger will be omitted for convenience.

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

According to an embodiment of the present invention, when registering a non-real name payment account in the form of a virtual account associated with a parent account that is a real account of the financial institution through the non-real name payment account registration system shown in FIG. It is preferable to store the financial institution customer ledger information corresponding to the parent account of the non-real name payment account and the customer ledger information corresponding to the card payment account registration (or transfer) customer.

Here, it is preferable that the customer ledger information corresponding to the financial institution customer ledger information and the card payment account registration (or transfer) customer satisfy the configuration of the customer ledger information as described above.

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

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

According to an embodiment of the present invention, it is preferable that any one of the account ledgers corresponding to the real account of the financial institution corresponds to the parent account of the non-real name payment account registered through the non-real name payment account registration system shown in FIG.

The non-real name payment account ledger stores non-real name payment account ledger information corresponding to the non-real name payment account registered through the non-real name payment account registration system shown in FIG. 1, wherein the non-real name payment account ledger information is stored in the card of the customer. Characterized in that it comprises the ledger information for the settlement of the amount used.

According to an embodiment of the present invention, the non-real name payment account ledger is linked to the account ledger corresponding to the financial institution real account, the non-real name payment account number and the parent account number corresponding to the financial institution real account, and the mother account It is preferable to link the virtual account processing information including at least one manager information (= financial institution information) in the form of additional ledger information, and the virtual account processing information is also relational with the account ledger corresponding to the real account of the financial institution. It is preferable to interlock with.

The non-real name payment account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the non-real name payment account in the form of a virtual account, and the non-real name payment account number preferably follows a real account number system. According to the intention of the person skilled in the art may follow the virtual account number system, whereby the present invention is not limited.

It is preferable that the mother account number of the virtual account processing information includes an account number of a financial account (or real account) corresponding to a mother account for processing the non-real name payment account as a virtual account among the account numbers of the financial institution name. .

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

Those skilled in the art to which the present invention pertains will be able to infer the configuration of non-real name payment account ledger information that can be converted to a real account through the real name verification, a more detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the non-real name payment account ledger information is linked relationally with the additional information ledger for storing customer card operation information corresponding to the customer card for the settlement of the amount of the card use amount through the non-real name payment account. Preferably, the customer card operation information comprises at least one or more card information, card company information, payment schedule date information and payment expected amount information, and the like to settle the amount of card payment through the non-real name payment account.

4 is a diagram showing the configuration of non-real name payment account ledger information according to another embodiment of the present invention.

In more detail, FIG. 4 shows a virtual account corresponding to a non-real name payment account registered in the ledger D / B 400 provided on the financial system shown in FIG. 1 through the non-real name payment account registration system shown in FIG. It is shown that the registered non-real name payment account ledger information, specifically, the account ledger corresponding to the real account of the financial institution based on the virtual account processing information, and the virtual account form using the real account of the financial institution as a parent account And an embodiment of the present invention for linking the non-real name payment account ledger with the non-real name payment account ledger with the provisional processing information in the form of additional information ledger.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 4 and the account ledger corresponding to the real account of the financial institution based on the virtual account processing information. Various information construction methods may be inferred in connection with a non-real name payment account ledger in the form of a virtual account having a real account as the parent account, and linking the non-real name payment account ledger in the form of additional information ledger to the non-real name payment account ledger. Includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided on the financial system includes a customer ledger, at least one account ledger associated with the customer ledger, and the account ledger. It is shown to include at least one associated information ledger associated with the present invention, and those skilled in the art to which the present invention pertains, various ledgers (eg, loan ledger, collateral, etc.) omitted in addition to the ledger shown in FIG. Ledger, ... etc.) and the technical features of each ledger, so the detailed description of the omitted ledger will be omitted for convenience.

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

According to an embodiment of the present invention, when registering a non-real name payment account in the form of a virtual account associated with a parent account that is a real account of the financial institution through the non-real name payment account registration system shown in FIG. It is preferable to store the financial institution customer ledger information corresponding to the parent account of the non-real name payment account and the customer ledger information corresponding to the card payment account registration (or transfer) customer.

Here, it is preferable that the customer ledger information corresponding to the financial institution customer ledger information and the card payment account registration (or transfer) customer satisfy the configuration of the customer ledger information as described above.

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

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

According to an embodiment of the present invention, it is preferable that any one of the account ledgers corresponding to the real account of the financial institution corresponds to the parent account of the non-real name payment account registered through the non-real name payment account registration system shown in FIG.

The non-real name payment account ledger stores non-real name payment account ledger information corresponding to the non-real name payment account registered through the non-real name payment account registration system shown in FIG. 1, wherein the non-real name payment account ledger information is stored by the customer. And ledger information for the settlement of the card use amount.

According to an embodiment of the present invention, the non-real name payment account ledger is linked to the account ledger corresponding to the financial institution real account, the non-real name payment account number and the parent account number corresponding to the financial institution real account, and the mother account It is preferable to link the virtual account processing information including at least one manager information (= financial institution information) in the form of additional ledger information, and the virtual account processing information is also relational with the account ledger corresponding to the real account of the financial institution. It is preferable to interlock with.

The non-real name payment account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the non-real name payment account in the form of a virtual account, and the non-real name payment account number preferably follows a real account number system. According to the intention of the person skilled in the art may follow the virtual account number system, whereby the present invention is not limited.

It is preferable that the mother account number of the virtual account processing information includes an account number of a financial account (or real account) corresponding to a mother account for processing the non-real name payment account as a virtual account among the account numbers of the financial institution name. .

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

Those skilled in the art to which the present invention pertains will be able to infer the configuration of non-real name payment account ledger information that can be converted to a real account through the real name verification, a more detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the non-real name payment account ledger is a non-real name payment account number corresponding to the non-real name payment account, the date of establishment of a new name, real name confirmation expiration date, extension of the real name confirmation period, And generating predetermined false processing information including at least one deposit before real name verification, and storing the generated false processing information in a form of additional information ledger corresponding to the non-real name payment account ledger. .

However, when the non-real name payment account ledger is provided in the form of a virtual account, as shown in FIG. 1, when the non-real name payment account registration process is omitted according to the intention of a person skilled in the art, The processing information may also be omitted according to the intention of those skilled in the art, and the present invention is not limited thereto.

The non-real name payment account number of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with a non-real name payment account in the form of a virtual account, and the non-real name payment account number preferably follows a real account number system. According to the intention of the person skilled in the art may follow the virtual account number system, whereby the present invention is not limited.

In addition, the new establishment date of the new provision processing information, the date when the non-real name payment account is established on the ledger D / B (400), the real name of the card payment account registration (or previous) customer processed as the provisional provision If this is confirmed, the non-real name payment account corresponds to the date retroactive from the real name confirmation date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the card payment account registration (or transfer) for the non-real name payment account within the real name verification expiration date It must be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the card payment account registration (or transfer) customer If the real name verification of the card payment account registration (or transfer) customer is not confirmed within the expiration date of the real name confirmation, it is preferable to repeatedly extend the real name confirmation of the customer.

The deposit before the real name verification of the pseudonym processing information is established from at least one other real account (or other non-real name payment account) before the real name of the card payment account registration (or transfer) customer for the non-real name payment account is confirmed. When a predetermined amount is deposited into the non-real name payment account, the amount of money deposited into the non-real name payment account, the pre-name verification deposit is matched with the account balance of the non-real name payment account ledger.

According to an embodiment of the present invention, it is preferable that the non-real name payment account ledger information is relationally associated with the additional information ledger for storing customer card operation information corresponding to the customer card for the settlement of the amount of the card use amount through the non-real name payment account. The customer card operation information may include at least one or more of card information, card company information, payment schedule date and payment amount information, and the like, which process card payment amount through the non-real name payment account.

5 is a diagram illustrating an information providing process for opening a non-real name payment account and registering a non-real name payment account operating in a virtual account form according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the payment account registration server 100 shown in FIG. 1 provides a predetermined card payment account registration interface to the customer terminal 190, the card payment account is provided by the customer terminal 190. Input (or select) predetermined card payment account application information through a registration interface to provide the payment account registration server 100 through a predetermined communication network, and the payment account registration server 100 through a predetermined financial network. The process for providing the card payment account application information to the information processing server 140 provided in the financial institution, if one of ordinary skill in the art to which the present invention belongs, refer to and / or this figure 5 Various implementation methods for modifying and providing the card payment account application information from the customer terminal 190 to the information processing server 140 through the payment account registration server 100 are available. Would be able to, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 5.

For example, in FIG. 5, only the card payment account application information is provided from the customer terminal 190 to the payment account registration server 100. However, the present invention includes those skilled in the art. If not, in response to the card payment account registration interface provided by the payment account registration server 100 to the customer terminal 190, in addition to the card payment account application information in the customer terminal 190, and new information processing and / or However, the present invention may infer an implementation method of providing non-real name payment account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. At 190) the false transaction information, and / or non-real name payment account security information, and / or financial transaction application information, and / or virtual account processing information, and / or hypertrophy. It includes exemplary method of providing financial transactions, accept information, to which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention belongs, the payment account registration server corresponding to the security function provided in the financial network connecting the payment account registration server 100 and the information processing server 140. In step 100, the card payment account application information (or false transaction processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction consent information, etc.) is encrypted and transmitted, and the information processing. The server 140 may infer an implementation method of decrypting the card payment account application information (or new transaction processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction consent information, etc.). As will be appreciated, the present invention includes the inferred method of implementation, and the present invention is not limited thereto.

Hereinafter, in FIG. 5, the payment account registration server 100 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 5, when the customer terminal 190 shown in FIG. 1 connects to the server through a communication network including at least one wired communication network (or a wireless communication network) (500), the server is connected to the customer terminal ( It is periodically checked whether the card payment account registration interface is requested from 190 (505).

If the card payment account registration interface is requested from the customer terminal 190 (510), the server generates at least one web document including a predetermined card payment account registration interface to be provided to the customer terminal 190. (Or extracted from a predetermined web source D / B (not shown)) (515), and outputs a web page including the generated (extracted) web document through the communication network to the mobile terminal (520). .

Thereafter, the customer terminal 190 inputs (or selects) predetermined card payment account application information through the card payment account registration interface (525), wherein the card payment account application information is card information corresponding to the customer card. And card company information, terms and conditions agreement information corresponding to the card payment account, the deposit amount information, and the customer information.

When the card payment account application information is input (or selected) as described above, the customer terminal 190 transmits the card payment account application information to the server through the communication network (530).

According to an embodiment of the present invention, the card payment account registration interface comprises a user interface for inputting (or selecting) card information and card company information corresponding to a customer card for registering (or transferring) the card payment account. It is preferable.

In addition, the card payment account registration interface, and outputs the card payment account terms and conditions information to the customer terminal 190, it is preferable that the customer comprises a user interface to agree to the terms.

The card payment account registration interface may include a user interface for inputting a deposit amount for depositing the card payment account, and a financial account with which the deposit amount is withdrawn when the deposit amount is deposited by wire transfer (or remittance). It is preferred to include a user interface for inputting information (e.g., original account information for the amount deposited into a non-real name payment account).

In addition, the card payment account registration interface, the customer personal information (for example, customer name, social security number, phone number, mobile phone number, address, e-mail address, etc.) for the customer applying for registration (or transfer) of the card payment account And a user interface for inputting (or selecting) and / or inputting (or selecting) the customer member information (eg, customer ID information and password information) provided in the server.

According to the implementation method of the present invention, the card payment account registration interface, the account password for the non-real name payment account opened in response to the card payment account application information, or at least one non-face-to-face financial transaction through the non-real name payment account It is preferable to further comprise a user interface for inputting (or selecting) non-real name payment account security information, including at least one or more financial transaction passwords.

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

When a card payment account registration interface for inputting (or selecting) the non-real name payment account security information is provided to the customer terminal 190, the customer terminal 190 receives the non-real name payment account security information through the card payment account registration interface. After inputting (or selecting), the non-real name payment account security information is transmitted to the server through the communication network, or the non-real name payment account security information is further included in the card payment account application information. It transmits to the server through a communication network.

If the non-real name payment account security information is included in the card payment account application information, the confidentiality, authentication, integrity, and nonrepudiation of the non-real name payment account security information are secured. The non-real name payment account security information (or the card payment account application information including the non-real name payment account security information) is preferably encrypted by at least one or more encryption methods and transmitted to the server.

According to an embodiment of the present invention, a card payment account registration interface is a trail indicating that the non-real name payment account is processed as a provisional account until the financial real name of the non-real name payment account opened in correspondence with the card payment account application information is confirmed. Outputs the provisional agreement information and the provisional processing period information (for example, the period in which the non-real name payment account is processed and operated before the financial real name verification for the non-real name payment account) to the customer terminal 190, and the customer It is preferable that the user interface further comprises a user interface for inputting (or selecting) the provisional provision information agreeing to (or applying for) the provisional provisional terms information and the provisional provision processing period information.

If the new provisions terms and conditions and information processing period information is included in the terms and conditions information corresponding to the card payment account, the new provisions information and the provisions information processing period information is output to the customer terminal 190, The user interface for confirming consent to this may be omitted.

When a card payment account registration interface is provided for inputting (or selecting) the false transaction information to the customer terminal 190, the customer terminal 190 transmits the false information processing information through the card payment account registration interface. After inputting (or selecting), the input (or selection) of the new provision processing information is transmitted to the server through the communication network, or the card payment account application information further includes the provision of the new provision processing information to the network Send to the server via.

According to an embodiment of the present invention, the card payment account registration interface is configured to open a non-real name payment account opened in correspondence with the card payment account application information in the form of a virtual account having a real account operated by the financial institution as a parent account. And a user interface for inputting (or selecting) mother account manager information including at least one financial institution and virtual account processing information including mother account information corresponding to a real account operated by the mother account manager. desirable.

When the card payment account registration interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 190, the customer terminal 190 registers the card payment account. After inputting (or selecting) the virtual account processing information through an interface, transmitting the input (or selecting) virtual account processing information to the server through the communication network, or the virtual account in the card payment account application information. Further including the processing information is transmitted to the server through the communication network.

In addition, if the customer is not a member of a conventional financial transaction with the financial institution (for example, the financial institution does not have at least one customer account corresponding to the customer, or the customer makes a financial transaction with the financial institution). If no details have been processed), the card payment account registration interface, and outputs the financial transaction application terms and conditions information for processing the first financial transaction with the financial institution to the customer terminal 190, the customer applies for the financial transaction Preferably, the user interface may further include a user interface for confirming that the terms and conditions have been agreed. If the customer is a financial transaction customer of the financial institution, the user interface may be omitted. It may be included in the non-face-to-face financial transaction agreement specified.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the card payment account, or if the financial transaction application is processed in the real name verification process for the card payment account, the customer to the financial institution the financial transaction The user interface for applying for it is possible to be omitted, whereby the invention is not limited.

When a card payment account registration interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 190, the customer terminal 190 inputs the financial transaction application information through the card payment account registration interface. After the (or select), the financial transaction application information (or selected) entered above is transmitted to the server through the communication network, or the financial transaction application information (not shown) is further included in the card payment account application information. By transmitting to the server through the communication network, in Figure 1 will be described for convenience, the financial transaction application information is included in the non-face-to-face financial transaction agreement information specified below.

In addition, if the customer is not a member of a conventional financial transaction with the financial institution (for example, the financial institution does not have at least one customer account corresponding to the customer, or the customer makes a financial transaction with the financial institution). Card), or if the customer is not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.) of the financial institution. Account registration interface, non-face-to-face financial transaction terms and conditions information (for example, Internet banking subscription terms and conditions for processing at least one non-face-to-face financial transactions with the financial institution through the at least one non-face-to-face financial transaction channel to the customer terminal 190) Information, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) Is output, made by said client further comprises a user interface for inputting (or selecting) the non-face-to-face financial transaction information agree to accept the information the non-face-to-face financial transaction terms and conditions are preferred.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the card payment account, or the non-face-to-face financial transaction application is processed in the real name verification process for the card payment account, or various If non-face-to-face financial transaction authentication is omitted for a financial transaction, the customer agrees to (or face-to-face) financial transactions for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. The user interface) can be omitted, and the present invention is not limited thereto.

When the card payment account registration interface for inputting (or selecting) the non-face-to-face financial transaction agreement information is provided to the customer terminal 190, the customer terminal 190 may perform the non-face-to-face financial transaction through the card payment account registration interface. After entering (or selecting) consent information, the input (or selected) non-face-to-face financial transaction agreement information is transmitted to the server through the communication network, or the non-face-to-face financial transaction agreement information is applied to the card payment account application information. It further comprises transmitting to the server through the communication network.

Thereafter, the server checks card information, card company information and customer information included in the card payment account application information (535), and shares the card information and customer information to a card company server 180 corresponding to the card company information. The card payment account registration (or transfer) validity corresponding to the card payment account application information is checked (540).

If the card payment account registration (or transfer) validity is not confirmed (545), the server transmits and outputs the card payment account registration (or transfer) error information to the customer terminal 190 through a communication network (550) ).

On the other hand, if the card payment account registration (or transfer) validity is confirmed (545), the server card payment account application information (or pseudonym processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, Non-face-to-face financial transaction consent information, etc.) is received and stored in the predetermined storage medium 135 (555).

According to another exemplary embodiment of the present invention, the process of storing the card payment account application information in the storage medium 135 is omitted according to a business cooperation agreement between the server and the information processing server 140 (or a financial institution). The present invention is not limited thereto.

Thereafter, the server transmits the card payment account application information to the information processing server 140 through a predetermined financial network (560), and the information processing server 140 is provided from the server through the financial network. The card payment account application information is received (565).

6 is a diagram illustrating an information providing process for opening a non-real name payment account and registering a non-real name payment account operating in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the payment account registration server 100 shown in FIG. 1 provides a predetermined card payment account registration interface to the customer terminal 190, the card payment account is provided by the customer terminal 190. FIG. Input (or select) and encrypt predetermined card payment account application information through a registration interface to provide the payment account registration server 100 through a predetermined communication network, and the card payment account from the payment account registration server 100. Decoding the application information to a process for providing the card payment account application information to the information processing server 140 provided in the financial institution through a predetermined financial network, having a general knowledge in the technical field to which the present invention belongs 6, the card from the customer terminal 190 to the information processing server 140 through the payment account registration server 100. The account would be able to infer the various exemplary method of providing application information, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the card payment account application information is provided from the customer terminal 190 to the payment account registration server 100, but it will be described. However, the present invention belongs to those skilled in the art. If not, in response to the card payment account registration interface provided by the payment account registration server 100 to the customer terminal 190, in addition to the card payment account application information in the customer terminal 190, and new information processing and / or However, the present invention may infer an implementation method of providing non-real name payment account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. At 190) the false transaction information, and / or non-real name payment account security information, and / or financial transaction application information, and / or virtual account processing information, and / or hypertrophy. It includes exemplary method of providing financial transactions, accept information, to which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention belongs, the payment account registration server corresponding to the security function provided in the financial network connecting the payment account registration server 100 and the information processing server 140. In step 100, the card payment account application information (or false transaction processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction consent information, etc.) is encrypted and transmitted, and the information processing. The server 140 may infer an implementation method of decrypting the card payment account application information (or new transaction processing information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction consent information, etc.). As will be appreciated, the present invention includes the inferred method of implementation, and the present invention is not limited thereto.

Hereinafter, in FIG. 6, the payment account registration server 100 shown in FIG. 1 is referred to as a "server" for convenience.

Referring to FIG. 6, when the customer terminal 190 shown in FIG. 1 connects to the server through a communication network including at least one wired communication network (or a wireless communication network) (600), the server is connected to the customer terminal ( It is periodically checked if it is requested to provide a card payment account registration interface from 190 (605).

If the card payment account registration interface is requested from the customer terminal 190 (610), the server generates (or predetermined) at least one web document including a predetermined card payment account registration interface equipped with the security function. Extract from a web source D / B (not shown) (615), and provide a web page including the generated (extracted) web document to the customer terminal 190 through the communication network and output it (620). .

Here, the security function provided in the card payment account registration interface, the function to encrypt the card payment account application information input (or selected) from the customer terminal 190 by a predetermined encryption method and / or the card payment account application It comprises at least one function of attaching the electronic signature of the customer to the information, preferably in the form of a security program linked to the card payment account registration interface, wherein the security program is the card payment account application information At least one encryption key for encrypting is preferably provided.

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

Thereafter, the customer terminal 190 inputs (or selects) predetermined card payment account application information through the card payment account registration interface (625), and the card payment account application information is card information corresponding to the customer card. And card company information, terms and conditions agreement information corresponding to the card payment account, the deposit amount information, and the customer information.

When the card payment account application information is input (or selected) as described above, the customer terminal 190 encrypts the card payment account application information according to a predetermined encryption method through a security function provided in the card payment account registration interface. (And / or attach the electronic signature of the customer to the card payment account application information) (630), and transmits the encrypted card payment account application information to the server through the communication network (635).

According to an embodiment of the present invention, the card payment account registration interface comprises a user interface for inputting (or selecting) card information and card company information corresponding to a customer card for registering (or transferring) the card payment account. It is preferable.

In addition, the card payment account registration interface, and outputs the card payment account terms and conditions information to the customer terminal 190, it is preferable that the customer comprises a user interface to agree to the terms.

The card payment account registration interface may include a user interface for inputting a deposit amount for depositing the card payment account, and a financial account with which the deposit amount is withdrawn when the deposit amount is deposited by wire transfer (or remittance). It is preferred to include a user interface for inputting information (e.g., original account information for the amount deposited into a non-real name payment account).

In addition, the card payment account registration interface, the customer personal information (for example, customer name, social security number, phone number, mobile phone number, address, e-mail address, etc.) for the customer applying for registration (or transfer) of the card payment account And a user interface for inputting (or selecting) and / or inputting (or selecting) the customer member information (eg, customer ID information and password information) provided in the server.

According to an embodiment of the present invention, a card payment account registration interface processes an account password for a non-real name payment account opened in response to the card payment account application information, or at least one non-face-to-face financial transaction through the non-real name payment account. It is preferable to further comprise a user interface for inputting (or selecting) non-real name payment account security information including at least one or more financial transaction password.

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

When a card payment account registration interface for inputting (or selecting) the non-real name payment account security information is provided to the customer terminal 190, the customer terminal 190 receives the non-real name payment account security information through the card payment account registration interface. After inputting (or selecting), the non-real name payment account security information is transmitted to the server through the communication network, or the non-real name payment account security information is further included in the card payment account application information. It transmits to the server through a communication network.

If the non-real name payment account security information is included in the card payment account application information, the confidentiality, authentication, integrity, and nonrepudiation of the non-real name payment account security information are secured. The non-real name payment account security information (or the card payment account application information including the non-real name payment account security information) is preferably encrypted by at least one or more encryption methods and transmitted to the server.

According to an embodiment of the present invention, a card payment account registration interface is a trail indicating that the non-real name payment account is processed as a provisional account until the financial real name of the non-real name payment account opened in correspondence with the card payment account application information is confirmed. Outputs the provisional agreement information and the provisional processing period information (for example, the period in which the non-real name payment account is processed and operated before the financial real name verification for the non-real name payment account) to the customer terminal 190, and the customer It is preferable that the user interface further comprises a user interface for inputting (or selecting) the provisional provision information agreeing to (or applying for) the provisional provisional terms information and the provisional provision processing period information.

If the new provisions terms and conditions and information processing period information is included in the terms and conditions information corresponding to the card payment account, the new provisions information and the provisions information processing period information is output to the customer terminal 190, The user interface for confirming consent to this may be omitted.

When a card payment account registration interface is provided to the customer terminal 190 to input (or select) the false new processing information, the customer terminal 190 inputs the false new processing information through the card payment account registration interface. After (or selection), the input (or selection) of the new provision processing information is transmitted to the server through the communication network, or the card payment account application information further includes the new provision processing information through the communication network Send to the server.

According to an embodiment of the present invention, the card payment account registration interface is configured to open a non-real name payment account opened in correspondence with the card payment account application information in the form of a virtual account having a real account operated by the financial institution as a parent account. And a user interface for inputting (or selecting) mother account manager information including at least one financial institution and virtual account processing information including mother account information corresponding to a real account operated by the mother account manager. desirable.

When the card payment account registration interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 190, the customer terminal 190 registers the card payment account. After inputting (or selecting) the virtual account processing information through an interface, transmitting the input (or selecting) virtual account processing information to the server through the communication network, or the virtual account in the card payment account application information. Further including the processing information is transmitted to the server through the communication network.

In addition, if the customer is not a member of a conventional financial transaction with the financial institution (eg, the financial institution does not have at least one customer account corresponding to the customer, or the customer has a financial transaction with the financial institution). If no details have been processed), the card payment account registration interface, and outputs the financial transaction application terms and conditions information for processing the first financial transaction with the financial institution to the customer terminal 190, the customer applies for the financial transaction Preferably, the user interface may further include a user interface for confirming that the terms and conditions have been agreed. If the customer is a financial transaction customer of the financial institution, the user interface may be omitted. It may be included in the non-face-to-face financial transaction agreement specified.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the card payment account, or if the financial transaction application is processed in the real name verification process for the card payment account, the customer to the financial institution the financial transaction The user interface for applying for it is possible to be omitted, whereby the invention is not limited.

When a card payment account registration interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 190, the customer terminal 190 inputs the financial transaction application information through the card payment account registration interface. (Or selects), and transmits the input (or selected) financial transaction application information to the server through the communication network, or further includes the financial transaction application information (not shown) in the card payment account application information. The server is transmitted to the server through the communication network. In FIG. 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information specified below for convenience.

In addition, if the customer is not a member of a conventional financial transaction with the financial institution (for example, the financial institution does not have at least one customer account corresponding to the customer, or the customer makes a financial transaction with the financial institution). Card), or if the customer is not a non-face-to-face financial transaction customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.) of the financial institution. Account registration interface, non-face-to-face financial transaction terms and conditions information (for example, Internet banking subscription terms and conditions for processing at least one non-face-to-face financial transactions with the financial institution through the at least one non-face-to-face financial transaction channel to the customer terminal 190) Information, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) Is output, made by said client further comprises a user interface for inputting (or selecting) the non-face-to-face financial transaction information agree to accept the information the non-face-to-face financial transaction terms and conditions are preferred.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the card payment account, or the non-face-to-face financial transaction application is processed in the actual process for the card payment account, or for the non-real name payment account If the non-face-to-face financial transaction certification can be omitted for various financial transactions, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. Or a user interface) may be omitted, and the present invention is not limited thereto.

When the card payment account registration interface for inputting (or selecting) the non-face-to-face financial transaction agreement information is provided to the customer terminal 190, the customer terminal 190 may perform the non-face-to-face financial transaction through the card payment account registration interface. After entering (or selecting) consent information, the input (or selected) non-face-to-face financial transaction agreement information is transmitted to the server through the communication network, or the non-face-to-face financial transaction agreement information is applied to the card payment account application information. It further comprises transmitting to the server through the communication network.

The server receiving the encrypted card payment account application information through the communication network decrypts the card payment account application information with a decryption method corresponding to the encryption method (640).

Thereafter, the server checks the card information, the card company information and the customer information included in the card payment account application information (645), by sharing the card information and customer information to the card company server 180 corresponding to the card company information The card payment account registration (or transfer) validity corresponding to the card payment account application information is checked (650).

If the card payment account registration (or transfer) validity is not verified (655), the server transmits and outputs the card payment account registration (or transfer) error information to the customer terminal 190 through a communication network (660). ).

On the other hand, if the card payment account registration (or transfer) validity is confirmed (655), the server transmits the card payment account application information to the information processing server 140 through a predetermined financial network (665), the information The processing server 140 receives the card payment account application information provided from the server through the financial network (670).

7 is a diagram illustrating a process of processing a non-real name payment account into a virtual account according to an embodiment of the present invention.

In more detail, FIG. 7 opens a predetermined non-real name payment account based on the card payment account application information provided from the payment account registration server 100 in the information processing server 140 shown in FIG. This is a process of processing a non-real name payment account as a virtual account using a real account operated by the financial institution as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. Based on the card payment account application information provided to the information processing server 140 shown in FIG. 1, various implementation methods for processing a non-real name payment account as a virtual account operated by the financial institution as a parent account can be inferred. As will be appreciated, the present invention includes all such inferred methods of implementation, and the present invention is not limited thereto.

For example, in FIG. 7, only the card payment account application information is provided from the payment account registration server 100 to the information processing server 140. However, the present invention includes those skilled in the art. If not, the card payment account application information in addition to the new transaction information, and / or non-real name payment account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information, etc. It will be possible to infer an implementation method provided to the information processing server 140, but the present invention is to the information processing server 140 the new provisional processing information, and / or non-real name payment account security information, and / or financial transactions Application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information are further provided, whereby the present invention is not limited thereto. .

Hereinafter, in FIG. 7, the information processing server 140 shown in FIG. 1 is referred to as "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 and / or FIG. 6, card payment account application information (or false transaction processing) is transferred from the payment account registration server 100 shown in FIG. 1 to the server. When the information, non-real name payment account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc. is received, the server sends the card payment account application information (or false transaction processing information, non-real name payment account security). Information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information, etc.) to read whether the non-real name payment account can be opened (700).

If the non-real name payment account cannot be opened based on the card payment account application information (705), the server generates the account opening error information and provides it to the payment account registration server 100 (710). The payment account registration server 100 transmits the account opening error information to the customer terminal 190 through a communication network (715), thereby terminating the non-real name payment account provisional procedure based on the card payment account application information.

On the other hand, if it is possible to open the non-real name payment account based on the card payment account application information (705), the server connects the predetermined non-real name payment account corresponding to the card payment account application information with the financial system in the financial system. In operation 720, a non-real-name payment account is processed as a virtual account in which the non-real name payment account is operated by the financial institution as a parent account.

According to an exemplary embodiment of the present invention, the server adds the mother account number corresponding to the real account operated by the financial institution to the non-real name payment account ledger information as shown in FIG. It is preferable to process the ledger corresponding to the non-real name settlement account opened by the virtual account having the parent account as the real account operated by the financial institution.

According to another exemplary embodiment of the present disclosure, the server may include an account number corresponding to the non-real name payment account and a mother account corresponding to the non-real name payment account in the non-real name payment account ledger as shown in FIG. 3 or 4. The ledger corresponding to the non-real name payment account opened by the provisional opening establishment unit 160 is linked by the relational processing of the additional information ledger including the parent account management institution information and the virtual account processing information including the mother account information. It is preferable to treat a real account operated by a financial institution as a virtual account as a parent account.

Thereafter, the server transmits the non-real name payment account information processed with the card information and the virtual account to the card company server 180 corresponding to the card company information included in the card payment account application information through the financial network (730). In response, the card company server 180 registers the card payment account of the customer card corresponding to the card information as the non-real name payment account (735).

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

In more detail, FIG. 8 is a non-real name payment account processed as a virtual account using a real account operated by the financial institution through the process shown in FIG. 7 through the non-real name payment account registration system shown in FIG. As a process for performing a real name verification process for a predetermined card payment account, specifically, the real name verification expiration date is automatically extended to continuously provide at least one financial transaction through the non-real name payment account without real name verification It is about the implementation method.

Those skilled in the art to which the present invention pertains, refer to and / or modify this figure 8 to confirm the real name of the non-real name payment account treated as a virtual account whose real account is operated by the financial institution as a parent account. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 140 on the non-real name payment account registration system shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 8, the server periodically checks whether a real name of a card payment account (or transfer) customer for the non-real name settlement account is confirmed in association with the financial system (or at least one or more financial transactions through the non-real name payment account). In response to the transaction).

If the real name of the card payment account registration (or previous) customer is not confirmed (805), the server is associated with the financial system in response to the card payment account application information, the real name verification period for the non-real name payment account has elapsed Check if it is (810).

If the real name verification period for the non-real name payment account has not elapsed in response to the card payment account application information (815), the server adds to the non-real name payment account processed as a virtual account whose real account is operated by the financial institution. Repeat the process for checking the customer's real name.

On the other hand, if the real name verification period for the non-real name payment account has elapsed in response to the card payment account application information (815), the server is associated with the financial system, the real name verification expiration date (for example, the new information processing information for the non-real name payment account) By automatically extending the real name verification expiration date included in (820), so as to continuously provide at least one financial transaction through the non-real name payment account without real name verification.

On the other hand, if the real name of the card payment account registration (or previous) customer is confirmed within the real name verification period (805), the server is a virtual account form that uses the real account operated by the financial institution in connection with the financial system as the parent account The non-real name payment account processed as is returned to the original non-real name payment account (825), and the non-real name payment account is processed in connection with the financial system as a real name card payment account (830).

According to an embodiment of the present invention, when processing a non-real name payment account in the form of a virtual account using a real account operated by the financial institution as the card payment account, the non-real name payment account ledger information includes real account ledger information. In this case, it is preferable that the server processes the non-real name payment account as a card payment account whose real name is confirmed by erasing the pseudo-processing information and / or virtual account processing information added to the non-real name payment account ledger.

Alternatively, when the non-real name payment account ledger information includes virtual account ledger information when the non-real name payment account in the form of a virtual account using the real account operated by the financial institution as the card payment account, the server may include the virtual account ledger information. Clearing the non-real name payment account and / or virtual account processing information added to the non-real name payment account ledger and replacing (or converting) the virtual account ledger information with the real account ledger information, thereby realizing the real name is confirmed It is preferable to process with a card payment account.

Thereafter, the server retroactively processes the account opening date of the financial account, which is processed as the card settlement account, in association with the financial system as the new establishment date (835).

9 is a view showing a process of confirming the real name of the card payment account at the time of settlement of the card use amount according to the embodiment of the present invention.

In more detail, FIG. 9 illustrates a real account operated by the financial institution through the process shown in FIG. 7 based on the non-real name payment account registration system shown in FIG. The process of processing to confirm the real name of the non-real name payment account processed into a virtual account, if the person of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 9 to the customer card Various implementation methods for the process of confirming the real name of the non-real name payment account at the time of settlement of the use amount may be inferred, but the present invention includes all the implementation methods inferred, and is shown in FIG. It is not limited to the method.

In the following Figure 9, the settlement processing server 185 on the non-real name payment account registration system shown in Figure 1 will be referred to as "server" for convenience.

Referring to FIG. 9, the card company server 180 requests the server to settle the amount of the card using the card information and the non-real name payment account information registered through the non-real name payment account registration system shown in FIG. In operation 900, the server checks whether the card payment account associated with the card is in a non-real name state or a real name verification state in association with the financial system (905).

If the card payment account real name is confirmed (910), the server processes the customer card use amount through the card payment account in association with a financial system (945).

On the other hand, if the card payment account is in a non-real name state (910), the server requests the real name verification for the non-real name payment account to the customer communication means (for example, mobile phone, telephone, mail, DM, etc.) (915), the financial system In operation 920, the real name of the customer for the non-real name payment account is confirmed.

If the real name of the customer is confirmed by the real name confirmation request (925), the server is linked to the financial system and the non-real name payment account processed in the form of a virtual account of the real account operated by the financial institution as a parent account Revert to the original non-real name payment account (for example, erase the virtual account attribute) (930), and processes the non-real name payment account as a new financial account confirmed in real name in association with the financial system (935).

According to an embodiment of the present invention, when processing a non-real name payment account in the form of a virtual account using a real account operated by the financial institution as the new financial account, the non-real name payment account ledger information includes real account ledger information. In this case, it is preferable that the server processes the non-real name payment account as a new financial account whose real name is confirmed by erasing the provisional processing information and / or the virtual account processing information added to the non-real name payment account ledger.

Alternatively, when the non-real name payment account ledger information includes virtual account ledger information when the non-real name payment account in the form of a virtual account using a real account operated by the financial institution as the new financial account, the server includes the virtual account ledger information. Clearing the non-real name payment account and / or virtual account processing information added to the non-real name payment account ledger and replacing (or converting) the virtual account ledger information with the real account ledger information, thereby realizing the real name is confirmed It is preferable to process with a new financial account.

Thereafter, the server retroactively processes the account opening date of the financial account processed as the new financial account in connection with the financial system as the new establishment date (940), and the customer through the card payment account in connection with the financial system. The card use amount is settled (945).

According to the present invention, a bank (financial institution) is a non-real name payment that is easily opened in the bank through a payment account associated with a card company that has a holding company relationship, or a card issued by at least one affiliate card company, without a visit to a customer. This has the advantage of encouraging the transfer to the account.

According to the present invention, a bank (financial institution) periodically checks a customer's real name for a non-real name payment account registered and processed in connection with a card issued by a card company having a holding company relationship or at least one affiliate card company. At the time of monthly payment of the amount of the card use, the request and whether there is an advantage, there is an advantage of converting the non-real name payment account conveniently registered online through the real name verification card payment account without inconvenience.

Claims (5)

When the customer registers a payment account for the customer card online, receiving information on the card, card company information, and customer information corresponding to the customer card in an information receiving means; Confirming the validity of opening the payment account by sharing the card information and the customer information to a card company server corresponding to the card company information in the information checking means; Processing the virtual account including a real name verification period to open a real account of the financial institution based on the customer information in connection with a financial system provided to the financial institution in the account opening means; And processing the virtual account to be registered as a payment account for the customer card by providing the virtual account information and the card information to the card company server in an account registration processing means. . The method of claim 1, Confirming whether a real name of the customer for the virtual account is confirmed during the real name checking period in the real name checking means; And If a real name of the virtual account is confirmed within the real name verification period by the real account processing means, the virtual account is converted into a card payment account of which the real name is confirmed in connection with the financial system, and the date and time of opening of the card payment account is established. Process retrospectively to the virtual account establishment date and time, And if the customer's real name for the virtual account is not confirmed within the real name verification period, automatically extending the real name verification period in association with the financial system. The method of claim 1, When the card company server requests the settlement of the customer card using amount using the card information and the virtual account information, the settlement processing means performs settlement of the customer card using amount through the virtual account in connection with the financial system; Card payment account registration method characterized in that it further comprises. A recording medium comprising a program for executing the method of claim 1. Information receiving means for receiving card information, card company information and customer information corresponding to the customer card when the customer registers a payment account for the customer card online; Information checking means for confirming the validity of opening the payment account by sharing the card information and the customer information with a card company server corresponding to the card company information; An account opening means for processing a virtual account having a real account of the financial institution as a mother account based on the customer information when the validity is confirmed, in connection with a financial system provided at a financial institution; And account registration processing means for providing the virtual account information and the card information to the card company server to process the virtual account to be registered as a payment account for the customer card.

Images