KR20090036620A - System and method for processing insurance premium of payment and program recording medium - Google Patents

System and method for processing insurance premium of payment and program recording medium Download PDF

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Publication number
KR20090036620A
KR20090036620A KR1020070101744A KR20070101744A KR20090036620A KR 20090036620 A KR20090036620 A KR 20090036620A KR 1020070101744 A KR1020070101744 A KR 1020070101744A KR 20070101744 A KR20070101744 A KR 20070101744A KR 20090036620 A KR20090036620 A KR 20090036620A
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KR
South Korea
Prior art keywords
information
daily
card
worker
account
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KR1020070101744A
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Korean (ko)
Inventor
김인권
Original Assignee
주식회사 신한은행
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Priority to KR1020070101744A priority Critical patent/KR20090036620A/en
Publication of KR20090036620A publication Critical patent/KR20090036620A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Abstract

The present invention relates to a premium payment processing method and system and a program recording medium therefor, wherein the premium payment processing system according to the present invention includes information for storing premium payment amount calculation condition information for calculating a premium payment amount on a predetermined storage medium. Specialized receiving means for receiving the full payment worker approval request request including the daily worker information (or card information), business information (or card information) and daily worker salary information from the terminal equipped in the workplace employing the daily worker And a professional reading means for reading the received salary payment approval request text and reading out the daily worker information (or card information), the business information and the salary information of the daily worker from the salary payment approval request text; Daily worker information (or card information) and the daily worker salary information and Insurance premium calculation means for calculating an insurance premium for the salary amount of the daily worker based on the premium payment amount calculation condition information stored in the storage medium, the daily worker account information corresponding to the daily worker information (or card information); Information checking means for confirming operator account information corresponding to the operator information (or terminal device (or operator) unique code); and withdrawing the real income amount excluding the calculated insurance premium from the daily employee salary from the operator account; A salary processing means for withdrawing money from a confirmed employer account and depositing it into the daily worker account; and withdrawing the premium payment amount of the calculated daily worker among the daily worker salaries from the confirmed business account and depositing the money into the insurance institution account; Insurance amount processing means.

Description

System and Method for Processing Insurance Premium of Payment and Program Recording Medium}

1 is a diagram showing a premium payment amount processing system for processing the insurance payment amount of the daily worker, when paying the daily worker salary using the dedicated employee card according to the embodiment of the present invention.

2 is a diagram illustrating a process of processing an insurance payment amount of a daily worker when paying a daily worker's salary using a dedicated employee card according to an embodiment of the present invention.

3 is a diagram illustrating a process of processing an insurance payment amount of daily workers when paying daily workers using a dedicated employee card according to another embodiment of the present invention.

4 is a diagram illustrating a functional configuration of an insurance payment amount processing terminal device according to a daily employee salary payment according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating an operation process of a dedicated employee device for processing insurance payment amount for daily workers according to an embodiment of the present invention.

Figure 6 is a diagram illustrating a payroll approval request professional structure for payroll processing through a dedicated employee card in accordance with an embodiment of the present invention.

7 is a diagram illustrating a card issuing system for issuing a dedicated card for a daily worker according to an embodiment of the present invention.

8 is a diagram showing the configuration of information provided in the storage medium in accordance with the issuance of a card dedicated to the daily worker associated with the daily worker account in accordance with an embodiment of the present invention.

FIG. 9 is a diagram illustrating a process for issuing a dedicated employee card associated with a daily worker account according to an embodiment of the present invention.

10 is a diagram illustrating a payment virtual account opening system for opening a dedicated virtual account for daily pay of workers according to an embodiment of the present invention.

11 is a view showing the configuration of a virtual account ledger corresponding to the opening of a payout dedicated virtual account according to an embodiment of the present invention.

12 is a diagram illustrating a payment virtual account opening process for opening a customer request-based payment-only virtual account according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a payment virtual account opening system for opening a dedicated payment virtual account according to another embodiment of the present invention.

14 is a view showing the configuration of a virtual account ledger corresponding to the opening of a pay-only virtual account according to another embodiment of the present invention.

15 is a view illustrating a payment virtual account opening process for opening a payout dedicated virtual account according to another embodiment of the present invention.

FIG. 16 is a diagram illustrating a card issuing system for issuing a dedicated card for paying daily wages according to one embodiment of the present invention.

17 is a diagram illustrating a process for issuing a dedicated employee card for payment for payment processing according to an embodiment of the present invention.

18 is a diagram illustrating a face-to-face card information registration system for salary processing through a dedicated employee card according to an embodiment of the present invention.

19 is a diagram showing the configuration of the daily employee card registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for pay processing through the dedicated employee card according to one embodiment of the present invention.

20 is a diagram illustrating a process of registering daily worker card registration information in a face-to-face manner according to an embodiment of the present invention.

21 is a diagram illustrating a non-face-to-face card information registration system for payroll processing through a dedicated employee card according to another embodiment of the present invention.

22 is a diagram showing the configuration of the daily employee card registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for pay processing through the dedicated employee card in accordance with an embodiment of the present invention.

FIG. 23 is a diagram illustrating a process of registering daily worker card registration information in a non-face-to-face manner for salary processing through a dedicated employee card according to one embodiment of the present invention.

FIG. 24 is a diagram illustrating a business information registration system of a face-to-face method for pay processing through a dedicated employee card according to one embodiment of the present invention.

FIG. 25 is a diagram illustrating a face-to-face business information registration process for payroll processing through a dedicated employee card according to an embodiment of the present invention.

FIG. 26 is a diagram illustrating a non-face-to-face business information registration system for payroll processing through a dedicated employee card according to another embodiment of the present invention.

FIG. 27 is a diagram illustrating a process of registering business registration information in a non-face-to-face manner for payroll processing through a dedicated employee card according to one embodiment of the present invention.

<Description of main parts of drawing>

100: financial institution server 105: professional receiving unit

110: information reading section 115: information checking section

120: salary processing unit 125: professional transmission unit

130: information storage unit 135: information transmission unit

140: storage medium

According to the present invention, when the salary of a daily worker is processed by real time account transfer through a terminal installed in the workplace, the daily salary is withdrawn from the employer's account, the insurance payment amount of the worker is calculated, and the premium payment amount calculated from the daily salary is calculated. The present invention relates to a method and a system for depositing real income tax exemptions to a daily worker's account and paying insurance payments to agencies.

In general, daily workers are unskilled workers with low or unstable income due to irregular or irregular working periods, and sometimes include some skilled workers such as woodworking.

As such, there are various forms of employment of daily workers such as temporary work, daily work, and sometimes seasonal employment.

At the time of the improvement of treatment such as the 4 major insurance obligations for the daily workers, and the pay card is provided for the daily payment of workers and tax returns, the premiums corresponding to the wages paid immediately when the daily workers are paid It is time to find ways to automatically calculate and process.

An object of the present invention for solving the above problems is the step of storing the premium payment amount calculation condition information for calculating the daily payment amount of the daily employee workers in the information storage means, and employs the daily worker in the specialized receiving means Receiving the full salary payment approval request message from the terminal provided in a workplace, and read the received salary payment approval request text in the specialized reading means, the daily employee information (or card information) from the salary payment approval request text Reading the company information and salary information of the daily worker, and calculating the daily worker information (or card information), the daily worker salary information, and the premium payment amount calculation condition information stored in the storage medium in a premium calculating means. To calculate the insurance premium for the salary amount of the daily workers Confirming the daily employee account information corresponding to the daily employee information (or card information) and the operator account information corresponding to the operator information (or terminal device (or company) unique code) in an information checking means. And, in the payroll processing means, withdraw the real income amount excluding the calculated insurance premium from the business worker's salary from the business operator account, withdraw it from the confirmed business owner's account and deposit the money into the daily worker's account; It provides a premium payment processing method comprising the step of withdrawing the premium payment amount of the calculated daily workers of the daily workers salary from the confirmed business account account and deposit the deposit to the insurance agency account.

The premium payment processing system according to the present invention includes information storage means for storing premium payment amount calculation condition information for calculating a premium payment amount on a predetermined storage medium, and daily worker information from a terminal provided at a workplace employing daily workers. (E.g., card information), a professional receiving means for receiving a payroll approval request full text including business information (or card information) and daily worker salary information, and reading the received payroll approval request full text to approve the payroll payment; Specialized reading means for reading the daily worker information (or card information), the business operator information and the salary information of the daily worker from the request message, the daily worker information (or card information) and the daily worker salary information and the storage The salary of the daily worker based on the information on the calculation of the premium payment amount stored in the media Insurance premium calculation means for calculating an insurance premium for an amount of money, the business worker account information corresponding to the daily worker information (or card information), and a business account corresponding to the company information (or terminal device (or business company) unique code). Information checking means for confirming information, salary processing means for withdrawing a real income amount excluding the calculated insurance premium from the business worker's salary, withdrawing it from the confirmed business owner's account and depositing it into the daily worker's account; And an insurance amount processing means for withdrawing the calculated premium payment amount of the daily worker from the checked employee account and depositing it into the insurance institution account.

According to the present invention, the premium payment processing system generates a predetermined salary processing response message including the daily employee salary processing history and the premium processing history, and generates the salary processing response message in the terminal device through the network. Characterized in that it further comprises a specialized transmission means for transmitting to.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the function of the above-described premium payment processing system constituent means.

On the other hand, the premium payment processing method according to the present invention comprises the steps of storing the premium payment amount calculation condition information for calculating the daily payment amount of the daily worker in the information storage means in a predetermined storage medium, employing the daily worker in the specialized receiving means; Receiving a payroll approval request full text from a terminal provided at a workplace, reading the received payroll approval request full text in a specialized edition means, from the payroll approval request text, the daily employee information (or card information), Reading the company information and salary information of the daily worker, and based on the daily worker information (or card information), the daily worker salary information, and the premium payment amount calculation condition information stored in the storage medium in a premium calculating means. Calculate the premium for the salary amount of the daily worker And confirming the daily employee account information corresponding to the daily employee information (or card information) and the operator account information corresponding to the operator information (or terminal device (or company) unique code) in the information checking means. Paying out the real income amount excluding the calculated insurance premium out of the daily employee salary from the business operator in the payroll processing means, withdrawing it from the confirmed business owner account and depositing it into the daily worker account; and in the insurance amount processing means Withdrawing the premium payment amount of the calculated daily workers of the daily workers salary from the confirmed business operator account, and depositing the deposit to the insurance institution account.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description 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 easy to understand the functions of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram showing a premium payment amount processing system for processing the insurance payment amount of the daily worker when paying the daily worker salary using the dedicated employee card according to the embodiment of the present invention.

More specifically, FIG. 1 illustrates a case in which the premium calculation information of the daily worker is not included in the full salary payment approval request transmitted from the terminal device of the workplace, and the predetermined daily worker is shown in FIG. 7 or FIG. Through the card issuing system to receive a dedicated day worker dedicated card according to the present invention, or through the information registration system shown in Figure 18 or 21 to register the dedicated day worker dedicated card according to the present invention, When the employed company registers predetermined operator information (including account information) for the salary processing through the operator information registration system shown in Fig. 24 or Fig. 26, the employer pays a predetermined salary to the daily worker. , The terminal operated by the operator (hereinafter referred to as the daily workers insurance provided in the workplace, etc.) A value processing terminal device reads predetermined card information (for example, a card number, etc.) from a daily worker dedicated card possessed by the daily worker, and receives salary information to be paid to the daily worker. Generating and transmitting a predetermined salary payment approval request text including card information and payment salary, reading the transmitted salary payment approval request text, and paying at least one premium payment amount to be paid by the daily worker from the salary information. After calculating the worker's mistaken amount of money excluding the premium payment amount from the payment salary, and the account information corresponding to the daily employee dedicated card information (salary deposit account) and the full text of the salary payment approval request Account information (salary supply account) corresponding to information and the daily labor Check the premium payment amount information of the employee, and withdraw the salary of the daily worker from the business account, the mistaken amount of the daily worker is deposited into the daily worker account, the premium payment amount of the daily worker is the relevant insurance institution It shows a method for implementing a premium payment amount processing system configuration to pay the payment.

According to another exemplary embodiment of the present invention, FIG. 1 illustrates a case in which the premium payment amount information of a daily worker is included in a premise of a salary payment approval request transmitted from a terminal device of a workplace. Alternatively, the card holder is issued a card for the daily worker according to the present invention through the card issuing system, or registered for a card for the daily worker according to the present invention through the information registration system shown in Figure 18 or 21, When the employer hiring the daily worker registers the predetermined company information for the salary processing through the company information registration system shown in FIG. 24 or 26 below, when the company pays the salary to the daily worker, One-time workers' insurance provided to terminals operated by the business operator (hereinafter referred to as workplace) In the payment amount processing terminal device, after reading predetermined card information (for example, a card number, etc.) from a dedicated employee card owned by the daily worker, and receiving salary information to be paid to the daily worker, the daily worker Calculates at least one premium payment amount to be paid, and generates and transmits a predetermined salary payment approval request message including the calculated premium payment amount, the card information for the daily worker, the salary, and the real income amount information; Read the transmitted salary payment approval request text, the account information (salary deposit account) corresponding to the daily employee dedicated card information, and the account information (salary pay account) corresponding to the business information transmitted the salary payment approval request text ), Premium payment amount information of the daily worker and the actual number of the daily worker After confirming the amount of the information on the amount of money, withdraw the salary of the daily worker from the business account account, the real order amount of the daily worker is deposited into the daily worker account, the premium payment amount of the daily worker to the relevant insurance agency It shows the implementation method for the premium payment amount processing system configuration for payment processing.

If one having ordinary knowledge in the technical field to which the present invention pertains, a premium payment amount processing system is configured to process the insurance payment amount of the daily worker when paying the daily worker salary using the daily worker dedicated card by referring to or modifying the drawing 1 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

The daily worker insurance payment amount processing terminal device may be located at the site where the daily worker is working, when the daily worker pays the salary using the dedicated worker card according to the present invention, for processing the insurance payment amount of the daily worker It generates a predetermined salary payment approval request full text, and transmits to the server on the network (for example, the financial institution server 100 shown in Figure 1), and generated through the insurance payment amount processing terminal device The salary payment approval request message is characterized in that it comprises the information dedicated to the daily worker card and the salary information to be paid by the employer employing the daily worker to the daily worker.

According to another exemplary embodiment of the present invention, the salary payment approval request text generated through the insurance payment amount processing terminal device includes payroll information to be paid by the employer employing the daily worker to the daily worker dedicated card information and the daily worker. And at least one premium payment amount information to be paid by the daily worker and real mistake amount information that the daily worker can actually receive.

According to another exemplary embodiment of the present invention, the daily employee insurance payment amount processing terminal device may include a credit authorization terminal (CAT) or a point of sales (POS) terminal, in this case, the daily employee insurance payment amount processing The terminal device may be connected to a server on the network through a value added network (VAN).

According to an exemplary embodiment of the present invention, the daily employee insurance payment amount processing terminal device reads predetermined daily employee exclusive card information from the daily employee exclusive card through a predetermined card reader in a salary payment processing process, and predetermined key The salary information of the daily worker is input through an input device, and a predetermined salary payment approval request message including the daily worker dedicated card information and the daily worker salary information is generated and a server (eg, a financial institution server) 100), etc.).

According to another exemplary embodiment of the present invention, the daily employee insurance payment amount processing terminal device reads predetermined daily employee exclusive card information from the daily employee dedicated card through a predetermined card reader in a salary payment process, and predetermined key The salary information of the daily worker is input through an input device, and the daily worker dedicated card information, the daily worker salary information, at least one premium payment amount information to be paid by the daily worker, and the daily worker can be actually received. It is possible to generate a predetermined salary payment approval request message including the real payment amount information that is present and transmit it to a server (eg, the financial institution server 100, etc.) on the network.

The functional configuration of the daily worker insurance payment amount processing terminal device is shown in Figure 4 below, the operation of the daily worker insurance payment amount processing terminal device is shown in Figure 5 below, the daily worker insurance payment amount processing terminal device An embodiment of the full text of the salary payment approval request transmitted to the financial institution server 100 will be described in more detail with reference to FIG. 6 below.

Referring to FIG. 1 according to an embodiment of the present invention, the illustrated premium payment amount processing server 100 is a one-time worker from the terminal device through a communication network between the payroll processing server and the daily payment insurance amount processing terminal device. A professional receiving unit 105 for receiving a predetermined salary payment approval request message including exclusive card information, salary information of the daily worker and the terminal device (or business operator) unique code, and the salary through the special receiving unit 105; When the payment approval request text is received, the received payment payment approval request text is read, and the payroll approval request text from the daily worker dedicated card information, the salary information of the daily worker and the terminal device (or business operator) unique code Based on the professional reading unit 110, the daily employee salary information to read the Premium calculation unit 150 for calculating at least one premium of a daily worker and a predetermined storage medium 140 provided in the premium payment amount processing server 100 or linked with the premium payment amount processing server 100. The daily worker account information corresponding to the daily employee dedicated card information read out through the expert reading unit 110 in association with the storage medium 140 provided in the operating means, and the terminal device (or operator) unique code The information confirmation unit 115 confirms the corresponding company account information, and the mistaken amount of money of the daily worker who deducted the calculated premium payment amount of the daily worker salary from the operator account confirmed through the information confirmation unit 115. Payroll processing unit 120 to withdraw the deposit to the confirmed daily employee account and the business account confirmed through the information confirmation unit 115 The insurance amount processing unit 145, and withdraws the premium payment amount of the calculated daily worker of the daily worker salary to the insurance agency account, and through the salary processing unit 120 and the insurance amount processing unit 145 A professional transmission unit 125 for generating a predetermined salary processing response message including the daily employee salary processing details and a premium processing history, and transmitting the generated salary processing response message to the terminal device through the network; It comprises a information storage unit 130 for processing the salary processing details and insurance premiums in connection with the business information and the daily worker information stored in a predetermined storage medium 140.

The specialized receiving unit 105 is predetermined daily employee dedicated card information and salary information of the daily worker from the insurance payment amount processing terminal device through the network between the insurance payment amount processing terminal device and the premium payment amount processing server 100; And receiving a predetermined salary payment approval request text including a unique code of the terminal device (or business operator), and transferring the received salary payment approval request text to the specialized reading unit 110.

For a more detailed example of the full salary payment approval request received through the specialized receiving unit 105, refer to Figure 6 below.

The specialized reading unit 110 is a predetermined salary payment approval request message including the daily employee dedicated card information, the daily employee's salary information and the terminal device (or operator) unique code through the specialized receiving unit 105 When received, read the received salary payment approval request full text, and read out the daily employee dedicated card information, the salary information of the daily worker and the terminal (or business) unique code from the salary payment approval request message. Characterized in that, the real-time order that the dedicated daily worker dedicated card information and the terminal device (or business) unique code is transmitted to the information verification unit 115, the daily worker salary information and the daily worker can actually receive Delivers the amount information to the premium calculation unit 150 and salary processing unit 120, the daily worker At least one premium payment amount information to be paid is transferred to the insurance amount processing unit 145.

According to the implementation method of the present invention, the premium calculating unit 150 determines whether the daily worker is a target for calculating the premium payment amount, according to whether or not the four major insurance report of the employer employed the daily worker, and the determination result pays the premium In the case of the amount calculation target, it is characterized in that the premium payment amount of the daily workers for the four insurances reported.

For example, when the national pension premium payment amount of the daily worker is calculated through the premium calculating unit 150, the daily worker satisfies the national pension qualification acquisition condition information on the premium payment amount calculation condition information stored in the storage medium. In this case, it is calculated by applying a predetermined rate to the wage amount of the daily worker (for example, national pension premium payment amount = wage amount x 9% x 0.5).

When the health insurance premium payment amount of the daily worker is calculated through the premium calculating unit 150, the daily worker satisfies the health insurance qualification acquisition requirement with respect to the premium payment amount calculation condition information stored in the storage medium. In this case, it is calculated by applying a predetermined calculation rate to the wage amount of the daily worker (for example, health insurance premium payment amount = wage amount x 4.77% x 0.5).

Here, the calculation rate may be determined according to the application policy of those skilled in the art or related organizations, and is not limited to the above-described calculation rate.

In addition, when calculating the amount of employment, industrial accident insurance payment through the insurance premium calculation unit 150, when the daily worker satisfies the health insurance qualification acquisition requirements with respect to the information on the insurance premium payment amount stored in the storage medium ( For example, if the employer (or legally legal representative of the employer filed a business start notification with the Labor Welfare Corporation under the jurisdiction) within 14 days of the start of the construction site, the premium shall be calculated by calculating the annual construction cost of the entire construction. Done.

The information checking unit 115, when the dedicated employee information card dedicated to the daily worker and the terminal device (or operator) unique code is transferred from the professional reading unit 110, in connection with the storage medium 140, the dedicated worker card exclusively Characterized in checking the daily employee account information corresponding to the information, wherein the daily employee account information is the account associated with the daily employee dedicated card issued through the card issuing system shown in Figure 7 implementation of the present invention According to the method, it is an account in which the real amount of money excluding the premium payment amount of the salary of the daily worker is deposited.

In addition, the information confirming unit 115 checks the operator account information corresponding to the terminal device (or operator) unique code read through the specialized reading unit 110 in association with the storage medium 140. The business account information is an account of the business name registered by the business person who hired the daily work worker through the business information registration system shown in FIG. 24 or 26, and the salary for the daily work worker (eg, The amount including the premium payment amount and the real age amount of the daily worker) is characterized in that the account is withdrawn.

In this case, the information checking unit 115, if the terminal (or operator) unique code is transmitted from the specialized reader 110, the terminal device (or operator) unique code transmitted to the storage medium 140 In response to the stored business information is confirmed, and included in the confirmed business information, or check the business account information associated with the business information.

According to another embodiment of the present invention, the daily employee account information corresponding to the daily employee dedicated card information issued through the dedicated card issuing system shown in Figure 16 is the mother account account shown in Figure 10 or Figure 13 In the case of a payment virtual account opened as, the information checking unit 115 checks the payment virtual account information corresponding to the daily employee dedicated card information transmitted from the professional reading unit 110, the confirmed payment And confirming the mother account information (eg, business account information, etc.) corresponding to the virtual account information, wherein the confirmed payment virtual account information and the mother account information are provided to the payroll processor 120 and the insurance amount processor 145. To pass.

The payroll processing unit 120, when the account information and the operator account information associated with the dedicated employee card dedicated to the daily worker through the information check unit 115 is confirmed, of the daily worker delivered through the professional reading unit 110 With reference to the real income amount amount information, which is calculated by subtracting the calculated premium payment amount of salary, withdraw the amount of money to be actually received by the daily worker from the operator account, deposit the money into the daily worker account, and record the salary processing details. Characterized in that the transfer to the professional transmission unit (125).

If it is not possible to withdraw the real order amount of the daily worker from the business account (for example, lack of balance of the business account, etc.), the payroll processing unit 120 reports the salary processing impossible details to the specialized transmission unit 125. Characterized in that delivered to.

According to another exemplary embodiment of the present invention, when the virtual account information corresponding to the daily employee dedicated card and the mother account information associated with the virtual account are transmitted from the information checking unit 115, the payroll processing unit 120 receives the mother account. It is characterized in that the withdrawal of the real income amount of the daily employee salary from the daily wage, the deposit withdrawal of the real amount of the real money to the payment virtual account.

The insurance amount processing unit 145 withdraws the premium payment amount of the daily worker of the daily worker salary from the operator account confirmed through the information verification unit 115 to hire the insurance institution (eg, the daily worker) Jurisdiction insurance institutions, etc.) characterized in that the deposit processing, and transfers the premium payment processing history to the specialized transmission unit (125).

According to the implementation method of the present invention, the insurance processing unit 145 may deposit the premium payment amount of the daily worker to the jurisdiction insurance institution account according to a predetermined cycle.

The professional transmission unit 125, through the payroll processing unit 120, the real income amount of the daily worker salary is withdrawn from the business account, the deposit is processed into the daily worker account, the insurance amount processing unit 145 When the premium payment amount of the daily worker is deposited into the jurisdiction insurance institution account, the predetermined salary processing response message including the salary processing details and the premium payment amount processing details is generated to generate the salary processing response message. It characterized in that the transmission to the terminal device through.

If the salary cannot be processed from the salary processing unit 120, or if the salary cannot be processed from the insurance amount processing unit 145, the specialized transmission unit 125 is not able to process salary. Or generating a predetermined salary processing response message including a breakdown of insurance premiums and transmitting the generated salary processing response message to the terminal device through the network.

The information storage unit 130, through the salary processing unit 120, the real income amount of the daily worker salary is withdrawn from the operator account, the deposit processing to the daily worker account, the insurance amount processing unit 145 The premium payment amount of the daily worker is withdrawn from the operator account and deposited into the relevant insurance agency account, and the salary processing response specialist including the salary processing details and the premium payment processing details through the specialized transmission unit 125 When it is generated and transmitted to the terminal device, the salary processing details and the insurance premium payment processing history are stored in a predetermined storage medium 140 in association with the operator information and the daily worker information.

Here, the information storage unit 130 may further store the salary processing details and the insurance premium payment processing information in association with the operator account information and the daily worker account information (or daily worker dedicated card information).

Referring to FIG. 1, the information transmission unit 135 may include salary processing details (eg, salary payment company information, salary payment daily employee information and payment) stored in the storage medium 140 through the information storage unit 130. Salary information, etc.) and a premium processing history (for example, paid insurance amount, date of first payment, etc.) are periodically transmitted to a predetermined national institution (or public institution).

2 is a diagram illustrating a process of processing the insurance payment amount of the daily worker at the time of paying the daily worker salary using the dedicated employee card according to the embodiment of the present invention.

More specifically, in Figure 2, a predetermined daily worker receives a dedicated daily worker card according to the present invention through the card issuing system shown in Figure 7 or Figure 16, or the information shown in Figure 18 or Figure 21 below. After registering a dedicated worker card according to the present invention through the registration system, the operator employing the daily worker registers the predetermined company information for the salary processing through the business information registration system shown in Figure 24 or 26 below When the operator pays a predetermined salary to the daily worker, from the daily worker dedicated card possessed by the daily worker in the terminal (hereinafter referred to as a daily worker insurance payment amount processing terminal device provided in the workplace) operated by the business operator Read predetermined card information (e.g., card number, etc.) After receiving the salary information to be paid to Roza, and generating and transmitting a predetermined salary payment approval request message including the daily employee dedicated card information, salary salary and real income amount information, the received salary payment approval request text is sent. The insurance premium is read out to calculate the insurance premium corresponding to the employee salary information, and the account information (salary deposit account) corresponding to the daily employee dedicated card information and the account information corresponding to the business information transmitted the full salary payment approval request message ( The salary payment account), the premium payment amount information of the daily worker and the actual payment amount information of the daily worker, and then withdraw the salary of the daily worker from the business account, The amount excluding the calculated insurance premium) is deposited into the daily worker account, Based premiums amount of daily workers shows an exemplary method for the amount of contributions paid to the process that handles the insurance agency.

If one of ordinary skill in the art to which the present invention pertains, referring to or modifying the figure 2 when paying the daily worker salary using the dedicated employee card, the salary payment and premium payment processing the insurance payment amount of the daily worker Various implementation methods for the treatment process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the daily employee insurance payment amount processing terminal shown in FIG. 6 will be referred to as a " terminal device " for convenience, and the salary processing server shown in FIG. 1 will be referred to as " server "

Referring to FIG. 2, in the illustrated embodiment, a salary processing approval request message including daily worker dedicated card information, daily worker salary information, and employer-specific information is received from the terminal device, and the received salary processing is received. 200 may be initiated from the process of reading the full approval request.

According to another exemplary embodiment of the present invention, the salary processing approval request message transmitted from the terminal device includes the daily employee dedicated card information, the daily worker salary information, the daily worker real income amount information, the daily worker premium payment amount information, and the employer unique information. It may be configured to include, in this case, the server may omit the process of calculating the premium.

Thereafter, the server calculates at least one premium corresponding to the daily worker based on the daily employee salary information included in the salary processing approval request in association with the storage medium 140 (205).

In operation 210, the server checks the daily worker account information and the daily worker salary information associated with the daily worker exclusive card information included in the salary processing approval request in association with the storage medium 140.

In addition, the server checks the operator account information corresponding to the terminal device information included in the salary processing approval request full text in association with the storage medium 140 (215), the daily employee salary (e.g., It is determined whether the withdrawal of the premium payment amount of the daily worker and the salary including the real age amount) can be withdrawn (220).

Here, judging whether it is possible to withdraw the daily employee salary (for example, the salary including the premium payment amount and the real income amount of the daily employee), it is determined whether the balance of the employer account to which the daily employee salary is withdrawn is insufficient. It is preferable to comprise.

If it is not possible to withdraw the daily employee salary from the operator account (for example, due to lack of balance) (225), the server generates a salary processing history including the daily worker salary withdrawal error information (230).

On the other hand, if it is possible to withdraw the daily employee salary from the business account (225), the server checks the calculated premium payment amount of the daily worker, withdraw the calculated daily worker premium payment amount from the business account Then, the deposit is processed to the relevant insurance agency account (235).

In addition, the server withdraws the mistaken amount of money excluding the premium payment amount of the daily worker salary from the business operator account, and deposits the real-age amount of the withdrawn daily worker to the daily worker account (240) .

Thereafter, the server generates a salary processing approval response message including the salary processing details and the insurance amount payment processing history (245), and transmits the generated salary processing approval response telegram to the terminal device (250).

In addition, the server processes the salary processing details and insurance amount payment processing in association with the business operator information and daily worker information and stores them in the storage medium 140 (255), and later stores the salary processing details or insurance amount payment. The treatment details may be periodically transmitted to the national authority (or public authority).

3 is a diagram illustrating a process of processing an insurance payment amount of a daily worker at the time of paying a daily worker's salary using a dedicated worker card according to another embodiment of the present invention.

More specifically, in Figure 3, a predetermined daily employee establishes a payment virtual account using the account of a company employing the daily employee through the virtual account opening system shown in FIG. The business information registration system shown in FIG. 24 or 26 is issued by a business operator who receives a one-time worker dedicated card linked to the established payment virtual account through the card issuing system shown in FIG. 7 or 16, and employs the one-time worker. After registering the predetermined operator information for the salary processing through, when the operator pays a predetermined salary to the daily worker, a terminal device operated by the operator shown in Figure 4 below (hereinafter, the daily worker insurance payment amount processing Terminal device) from the one-time worker dedicated card possessed by the one-time worker After reading information (for example, a card number, etc.) and receiving salary information to be paid to the daily worker, at least one premium payment amount to be paid by the daily worker is calculated, and the calculated premium payment amount and the When a predetermined salary payment approval request message including daily employee dedicated card information, payroll salary and real payment amount information is generated and transmitted, the sent salary payment approval request message is read and corresponding to the daily employee dedicated card information. After checking the payment virtual account, the mother account corresponding to the payment virtual account, the premium payment amount information of the daily worker and the actual payment amount information of the daily worker, withdraw the salary of the daily worker from the mother account, The real order amount of daily workers is deposited into the above-mentioned virtual account. The amount of premiums paid daily workers shows an exemplary method for the amount of contributions paid to the process that handles the insurance agency.

If one of ordinary skill in the art to which the present invention pertains, pay or premium for processing the insurance payment amount of the daily worker when paying the daily worker salary using the daily worker dedicated card by referring to or modifying the drawing 3 Various implementation methods for the payment process may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the daily employee insurance payment amount processing terminal device shown in FIG. 4 will be referred to as a " terminal device " for convenience, and the salary processing server shown in FIG.

Referring to FIG. 3, the illustrated embodiment includes the daily employee dedicated card information, the daily worker salary information, the daily worker real payment amount information, the daily worker premium payment amount information, and the unique information of the employer from the terminal device in the server. The payment processing approval request text may be received and may be started from the process of reading the received payment processing approval request text (300).

In this case, when the salary processing approval request message does not include the premium payment amount information of the daily worker (for example, when the daily worker is an ineligible person), the insurance payment process shown in this drawing may be omitted. It is revealed.

Thereafter, the server is linked with the storage medium 140, the daily worker's account information, the daily worker's salary information, the daily worker's salary amount information, and the daily worker's insurance premium payment linked to the daily worker's dedicated card information included in the salary processing approval request. Check the amount information (305).

Here, the server establishes the account of the employer employing the daily worker as a mother account through the virtual account opening system shown in FIG. 10 or 13 below in connection with the storage medium 140. Check whether the payment is a virtual account (310).

If the daily worker account is a payment virtual account opened by using the account of the company employing the daily worker as a mother account (315), the server is linked to the payment virtual account in connection with the storage medium 140, the mother account The information is checked (320), and it is determined whether the withdrawal of the daily worker salary (eg, the salary including the premium payment amount and the real age amount of the daily worker) is possible from the mother account (325).

If it is not possible to withdraw the daily employee salary from the mother account (eg, due to lack of balance) (330), the server generates a salary processing history including the daily worker salary withdrawal error information (335).

On the other hand, if it is possible to withdraw the daily employee salary from the mother account (330), the server checks the premium payment amount of the confirmed daily worker, withdraws the confirmed daily worker premium payment amount from the mother account, The deposit is processed into the relevant insurance agency account (340).

In addition, the server withdraws the real income amount of the daily worker salary from the mother account, and deposits the real income amount of the withdrawn daily workers to the daily worker account (345).

Thereafter, the server generates a salary processing approval response message including the salary processing history and the insurance amount payment processing history (350), and transmits the generated salary processing approval response message to the terminal device (355).

In addition, the server processes the salary processing details and insurance amount payment processing details in association with the operator information and daily worker information and stores them in the storage medium 140 (360), and later stores the salary processing details and insurance amount payments. Treatment details may be periodically transmitted to national authorities (or public authorities).

4 is a diagram showing the functional configuration of the insurance payment amount processing terminal device 400 according to the daily employee salary payment according to the embodiment of the present invention.

In more detail, FIG. 4 shows that a predetermined daily worker receives a daily worker dedicated card for the present invention through the card issuing system shown in FIG. 7 or FIG. 16, or the information shown in FIG. 18 or 21. By registering a dedicated day worker dedicated card for the present invention through the registration system, the employer employing the daily worker through the company information registration system shown in Figure 24 or 26 below to obtain predetermined operator information for the daily worker salary processing After registration, when the business operator pays a predetermined salary to the daily worker, the predetermined card information (for example, a card number, etc.) is read from the daily worker exclusive card possessed by the daily worker, and is also paid to the daily worker. Receives the salary information to be input, the employee card information and payment salary A function of generating a predetermined salary payment approval request message including information and insurance payment amount information calculated in correspondence with the salary payment and transmitting it to a server (for example, a financial institution server) on the network shown in FIG. Regarding the composition of the daily worker insurance payment amount processing terminal device 400 provided, if the person having ordinary knowledge in the technical field to which the present invention pertains, pay the salary through the dedicated card for the daily worker by referring to or modifying FIG. In this case, various implementation methods for the terminal device 400 function configuration for processing the insurance payment amount may be inferred, but the present invention includes all the implementation methods inferred, and is shown in FIG. The technical features are not limited only by the method.

For example, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 4, and refer to a Credit Authorization Terminal (CAT), Point of Sale (POS) terminal, or at least one wire. A method of applying the functional configuration of the terminal device 400 shown in FIG. 4 to a terminal, a wireless terminal, a payment call terminal equipped with a card reader, or a payment home appliance terminal equipped with a card reader can be inferred. Will be, the functional configuration of the terminal device 400 shown in FIG. 4 is not limited to the specific terminal device 400.

Referring to FIG. 4, when paying daily workers 'salaries using the daily workers' exclusive card, the terminal device 400 for processing an insurance payment amount basically includes a control unit 405, a memory unit 445, and a card interface 403. Including a power supply unit 420 for supplying power to the key input unit 415, the screen output unit 410, the communication unit 425, the security application module 430, the print output unit 435 and the terminal device 400 Characterized in that made.

The control unit 405 controls the overall operation of the terminal device 400 in the functional configuration, manages the flow of information or data between each component, when paying the daily worker salary using a dedicated worker card, At least one processor and execution memory including a central processing unit (CPU) and a micro processing unit (MPU) in hardware, characterized by controlling the components provided in the terminal device 400 to process the insurance payment amount. (For example, a register or a random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and in order to perform a function specific to the terminal device 400 by software. A predetermined program routine that is loaded from a recording medium into the execution memory and is processed by the processor. Or a program or daily worker that is recorded on a recording medium provided in the terminal device 400 to process the insurance payment amount of the daily worker when paying the daily worker's salary using a dedicated worker card. When paying the daily worker salary using a dedicated card, the control unit 405 is provided with a component that can be processed in software among the functional configuration provided in the terminal device 400 for processing the insurance payment amount of the daily worker. It is characterized by consisting of).

In particular, the controller 405 is an operating system routine stored in a predetermined memory unit 445 to control and manage the overall operation of the terminal device 400 after the terminal device 400 is booted by software, System management routines, or system variables, are loaded into the execution memory and computed by the processor to provide an operating system, a system management program, or an electronic payment service (e.g., daily worker payroll and insurance payment processing services, etc.). It will act as a variable.

The memory unit 445 is input / output information when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the terminal device 400 or General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine required for the control unit 405 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is done.

According to a preferred embodiment of the present invention, the memory unit 445 may store at least one or more specialized inclusion information for processing the insurance payment amount of the daily worker, when paying the daily worker salary using a dedicated worker card. The full text inclusion information may include the terminal device 400 information (eg, CAT_ID information, etc.), or service provider-specific information.

In addition, according to an embodiment of the present invention, the memory unit 445 stores the premium payment amount calculation condition information required for processing the insurance payment amount of the daily worker when paying the daily worker salary using the daily worker dedicated card. Preferably, the premium payment amount calculation condition information includes information for confirming whether the daily worker satisfies the qualification requirements for calculating the insurance payment amount according to the present invention, and the standard of payment premium information for each salary amount. It is preferable to make.

For example, in the case of the National Pension Service, the employee is entitled to one-day work for more than one month, working for more than 80 hours per month, and applying for 81 hours after the first 80 hours.

In addition, in the case of health insurance, the working period is more than one month, and the daily worker who worked more than 80 hours per month, the qualification is granted from the first working day, it is possible to calculate the premium accordingly.

In the case of industrial accidents and employment insurance, the employer (or legally legal representative of the employer) must report the business start to the local labor welfare corporation within 14 days of the start of the construction site. The costing calculates the premium.

The card interface 403 provides an interface for reading at least one or more information or data provided in a predetermined card to realize the insurance payment amount processing of the daily worker when paying the daily worker's salary using the dedicated worker card. And an MS interface that provides an interface between the MS (Magnetic Stripe) card and the terminal device 400 based on the ISO / IEC 7810 standard, or the contact IC card based on the ISO / IEC 7816 standard. The terminal device 400 includes a contact IC interface for providing an interface, or a contactless IC interface for providing an interface between the contactless IC card and the terminal device 400 based on the ISO / IEC 14443 standard.

The MS interface is a card interface 403 based on ISO / IEC 7810 and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which the data) is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized by interfacing the predetermined information or data to the terminal device 400 from at least one or more tracks provided in the MS of the MS card.

The contact IC interface is a card interface 403 based on ISO / IEC 7816. The contact IC interface includes at least one contact point which makes electrical contact with a chip on board (COB) provided in a contact IC card. And supplying power to the IC chip of the IC card through the contact point, and transmitting predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to 400.

The contactless IC interface is a card interface 403 based on ISO / IEC 14443. The contactless IC interface is a card interface 403 based on ISO / IEC 14443. The contactless IC interface uses at least one antenna to make electrical contact with the contactless IC card by using capacitive coupling or inductive coupling. The terminal device 400 supplies power to the IC chip of the IC card through the antenna and transmits predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized by interfacing to.

The key input unit 415 is a terminal operator from a predetermined key input means comprising a plurality of number keys (Character Key), a function key (Function Key), etc. that can enter a character or Characterized in that the user inputs the key data (Key Data) generated by clicking a predetermined key to the control unit 405, the control unit 405 reads the key data input through the key input unit 415 And a predetermined function or a predefined task corresponding to the key data in association with at least one component provided in the terminal device 400.

According to the implementation method of the present invention, the key input unit 415 is predetermined salary information that the daily worker is to be paid for processing the insurance payment amount of the daily worker when paying the daily worker salary using the dedicated card for the daily worker It is preferable to perform the function of the key input means for receiving the input.

The screen output unit 410 is the control unit in the process of the terminal device 400 performs a predetermined function (e.g., insurance payment amount processing function of the daily worker when paying the daily worker salary using a dedicated card for the daily worker) The screen interface 405 may define at least one information or data that is predefined or is defined in real time to be output to a predetermined screen output means including a liquid crystal display (LCD) or a cathode ray tube (CRT). Characterized in that it is output through, and the information or data predefined to be output on the screen from the terminal device 400, the key data input through the key input unit 415, or provided in the terminal device 400 Information (or data) that is stored or generated by the component, information (or data) transmitted and received through the communication unit 425, May comprise (or data) corresponding to a predetermined operation performed on the result to the terminal device 400 is at least one.

According to a preferred embodiment of the present invention, the screen output unit 410 outputs a salary and an insurance payment amount processing screen for processing the insurance payment amount of the daily worker when paying the daily worker salary using the dedicated card for the daily worker It is preferable to perform the function of the screen output means.

The communication unit 425 is a terminal on the network in the process of the terminal device 400 performs a predetermined function (for example, the insurance payment amount processing function of the daily worker at the time of payment of the daily worker salary using a dedicated worker card) Or a server) or a terminal (or device) connected to the terminal device 400 through a predetermined cable or a terminal (or device) connected to the terminal device 400 through a predetermined short-range wireless communication. And a predetermined network communication unit for connecting a predetermined communication channel with a payroll processing server or a payment server or a premium processing server or a financial institution server on a wired or wireless network. Cable communication unit 425, or at least one or more for connecting a communication session with a predetermined terminal (or device) through It includes a short-range wireless communication unit 425 for connecting a predetermined short-range communication terminal (or device) device and a predetermined communication session through a short-range wireless communication means, and connects the communication channel (or communication session) by software. It comprises a communication protocol or a driver for.

The network communication unit includes a predetermined wired network or a mobile communication network or wireless data including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). A communication channel is connected to a payroll processing server, a payment server, a premium processing server, or a financial institution server on a wired / wireless network through a predetermined wireless network including a communication network. It includes a modem or a network interface card (NIC) for connecting to a wired or wireless network, and includes a communication protocol or driver for connecting the terminal device 400 to the wired or wireless network by software. Is done.

The cable communication unit 425 connects a communication session with a predetermined cable communication terminal (or device) through predetermined cable communication (for example, RS-232c and Universal Serial Bus (USB)). It comprises a predetermined cable communication port to which the cable is connected, and comprises a communication protocol or driver for the cable communication in software.

The short range wireless communication unit 425 may include at least one short range wireless communication means including infrared ray communication, radio frequency (RF) communication, Bluetooth, wireless LAN, and Wi-Fi. It is characterized in that for connecting a short-range wireless communication session with a predetermined short-range terminal (or device) through, a predetermined short-range for short-range wireless communication, including the infrared communication, RF communication, Bluetooth, WLAN, WiFi in hardware It comprises a wireless communication module, and comprises a communication protocol or driver for the short-range wireless communication in software.

The secure application module (430) is required by the terminal device 400 in the process of performing insurance payment amount processing of the daily worker when paying the daily worker salary using the dedicated card for the daily worker. Security requirements (or payment server or payroll server or premium processing server or financial institution server) on the network, including security requirements, including confidentiality or authentication or integrity or nonrepudiation. As a safety device for performing in a safe and reliable structure in the terminal device 400 without using a, the terminal device 400 has a predetermined security request function (e.g., electronic payment or salary processing and premium processing function). Encrypting or decrypting a predetermined message (information or data) processed in the process of performing Add the certifier to prevent counterfeiting (or modulation), or characterized in that it serves to save important key information in the course of performing the required security features.

In general, the security application module 430 is preferably composed of a predetermined security application module 430 inserter and a security application module 430 chip, the security application module 430 chip is a chip containing at least 8 bits CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 430 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the terminal device 400 to perform a predetermined security request function ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol , Privilege acquisition protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / cancel) Command) is preferably provided.

The print output unit 435 may be a process or a result of the terminal device 400 performing a predetermined function (for example, a function of processing an insurance payment amount of the daily worker when paying the daily worker's salary using a dedicated daily worker card). The predetermined information or data (for example, salary processing result information or data) is output to a predetermined printing device 440 (for example, a receipt printer), characterized in that the printing information or And a printing protocol and a driver for printing data through the printing apparatus 440.

Referring to FIG. 4, when paying a daily worker's salary using the daily worker's dedicated card, the terminal device 400 for processing the insurance payment amount of the daily worker is connected to the card interface 403 to the figure 7 or The card reader unit 450 which reads the daily worker dedicated card information from the daily worker dedicated card issued to the daily worker through the card issuing system shown in FIG. 16, and the employer in which the daily worker employs the daily worker ( Information input unit 455 for receiving a salary amount to be paid from the business owner having the terminal device 400, the card information dedicated to the daily workers read through the card reader unit 450 and the salary amount and the memory unit An insurance premium for the salary amount of the daily worker is calculated on the basis of the information on the condition for calculating the premium payment amount stored in (445). A premium generation unit 475, a professional generation unit 460 for generating a predetermined salary processing approval request message including the daily employee dedicated card information, the premium payment amount information of the daily worker, and the salary amount information to be actually paid; And a professional transmission unit 465 for transmitting the generated salary processing approval request telegram to the server (for example, a salary processing server) through a network in connection with the communication unit 425 (network communication unit). And a professional processing unit 470 which receives and outputs a salary processing approval response message corresponding to the salary processing approval request message from the server through the network in connection with the communication unit 425. do.

When the daily worker dedicated card is a predetermined MS card, the card reader unit 450 recognizes the daily worker dedicated card through the card interface 403 (for example, the MS interface). Through the card issuing system shown in Figure 1, the predetermined daily employee dedicated card information (for example, card number, etc.) from the MS provided in the one-time worker dedicated card issued to the daily worker.

When the daily employee dedicated card is a predetermined IC card, the card reader unit 450 recognizes the daily employee dedicated card through the card interface 403 (eg, a contact IC interface). In connection with 415, a PIN (Personal Identification Number) based IC card validity authentication procedure (e.g., a predetermined PIN is input through the key input unit 415 and transmitted to the IC card through the card interface 403). A process of verifying confidentiality, authentication, integrity, and nonrepudiation of the card), and if the IC card is validated, the card shown in FIG. 4 or 43 Predetermined daily employee dedicated card information (for example, card number, etc.) from the IC chip provided on the daily employee dedicated card issued to the daily worker through the issuance system Characterized in that the reading.

According to another exemplary embodiment of the present invention, the daily employee dedicated card information may be keyed through the key input unit 415, whereby the present invention is not limited thereto.

The information input unit 455 is connected to the key input unit 415, characterized in that for receiving the amount of salary to be paid by the daily worker using the dedicated employee card.

According to the implementation method of the present invention, the information input unit 455 is a salary information or work information (for example, the first working day, premium calculation standard working hours, etc.) for the at least one daily worker from the employer employing the daily worker May be received in advance and stored in the memory unit 445 of the terminal device 400, wherein the salary information is preferably stored in association with the card information dedicated to the daily worker, in this case, when the salary payment of the daily worker When the daily employee dedicated card information is read through the card reader 450, salary information or labor information corresponding to the read daily employee dedicated card information may be referenced from the memory unit 445.

When the predetermined daily employee dedicated card information is read through the card reader unit 450, and the daily employee salary amount is input through the information input unit 455, the premium calculating unit 475 stores the daily employee dedicated card. The insurance premium for the salary amount of the daily worker is calculated based on the information and the salary amount and the condition for calculating the premium payment amount stored in the memory unit 445.

According to the implementation method of the present invention, the premium calculating unit 475 determines whether the daily worker is a premium payment amount calculation target, according to whether or not the four major insurance report of the employer employed the daily worker, and the determination result pays the premium In the case of the subject of the amount calculation, the premium payment amount of the daily worker for the reported four insurances is calculated.

For example, when the national pension premium payment amount of the daily worker is calculated through the premium calculating unit 475, the daily worker obtains the national pension qualification against the premium payment amount calculation condition information stored in the memory unit 445. If the requirement is satisfied, the calculated amount of daily workers is calculated by applying a predetermined calculation rate (for example, national pension premium payment amount = wage amount x 9% x 0.5).

In addition, when the health insurance premium payment amount of the daily worker is calculated through the premium calculating unit 475, the daily worker has the health insurance qualification acquisition requirements for the premium payment amount calculation condition information stored in the memory unit 445. If it satisfies the above, it is calculated by applying a predetermined calculation rate to the wage amount of the daily worker (for example, health insurance premium payment amount = wage amount x 4.77% x 0.5).

Here, the calculation rate may be determined according to the application policy of those skilled in the art or related organizations, and is not limited to the above-described calculation rate.

In addition, when calculating the employment and industrial accident insurance payment amount through the insurance premium calculation unit 475, the daily workers meet the health insurance qualification acquisition requirements for the insurance premium payment amount calculation condition information stored in the memory unit 445. (For example, when the employer (or legally legal representative of the employer filed a business start-up report) with the Labor Welfare Corporation under the site jurisdiction within 14 days of the start of the construction site, The premium will be calculated.

When the at least one premium for the daily worker is calculated through the premium calculating unit 475, the full text generation unit 460 receives the dedicated card information for the daily worker, information on the premium payment amount of the daily worker, and the actual payment. Characterized in that a predetermined salary processing approval request full text including salary amount information.

According to the implementation method of the present invention, the professional generation unit 460, as shown in Figure 6 below, the calculated amount information of the daily worker and the real wage amount information of the daily worker excluding the premium amount of the paid salary It is characterized in that to generate a full payroll approval request including.

When the payroll approval request telegram is generated, the specialized transmission unit 465 connects the created payroll approval approval telegram to the communication unit 425 (network communication unit) in connection with the communication unit 425 (network communication unit). It is characterized in that the transmission to the financial institution server, payroll processing server or payment server or premium processing server shown in Figure 1 above through a network.

Thereafter, the expert processing unit 470 checks whether a salary processing approval response message corresponding to the salary processing approval request message is received from the pay processing server through the network in connection with the communication unit 425 (network communication unit), If a salary processing approval response message corresponding to the salary processing approval request message is received from the salary processing server through the network, the salary processing details included in the salary processing approval response message are transmitted through the screen output unit 410. Output or print through the print output unit 435.

FIG. 5 is a diagram illustrating an operation process of a terminal worker 400 dedicated to paying a daily worker's insurance payment amount according to an exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates a method for processing insurance payment amount of daily workers when paying daily workers using a dedicated worker card issued to the daily workers through the card issuing system shown in FIG. 7 or FIG. 16. The insurance premium payment amount of the daily worker is calculated by applying predetermined premium payment amount calculation condition information to the daily worker exclusive card information and the daily worker salary amount information read from the daily worker exclusive card, and the calculated premium payment amount information And a predetermined salary processing approval request message including the real-duty amount of money information of the daily worker, and transmits a daily worker insurance payment amount processing terminal to transmit to a server (for example, a financial institution server, a payment server, a premium processing server, etc.) on the network. As for the operation of the device 400, the present Those skilled in the art to which the invention belongs, various methods of carrying out the insurance payment amount processing process of the daily worker at the time of paying the daily worker salary using the daily worker dedicated card by referring to or modifying this figure 5 It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 5, the terminal device 400 shown in FIG. 4 uses the predetermined card reader to process the insurance payment amount of the daily worker when paying the daily worker using the dedicated worker card. Alternatively, the card issue system shown in FIG. 16 reads the card information dedicated to the daily worker issued to the daily worker (500).

According to an exemplary embodiment of the present invention, when the daily worker dedicated card is a predetermined MS card, the terminal device 400 recognizes the daily worker dedicated card through a predetermined card reader. It is preferable to read predetermined daily employee dedicated card information from the MS provided in the daily employee dedicated card issued to the daily employee through the illustrated card issuing system.

According to another exemplary embodiment of the present invention, when the daily worker dedicated card is a predetermined IC card, the terminal device 400 recognizes the daily worker dedicated card through the card reader, and transmits to the terminal device 400. A PIN (Personal Identification Number) based IC card validity authentication procedure (e.g., a predetermined PIN is input through the key input unit 415) in association with a predetermined key input means. To confirm the confidentiality, authentication, integrity, and nonrepudiation of the IC card. Predetermined daily employee dedicated card information from the IC chip provided on the daily employee dedicated card issued to the daily worker through the card issuing system shown in 16 That reading is preferred.

According to another exemplary embodiment of the present invention, the daily employee dedicated card information may be keyed through a predetermined key input means provided in the terminal device 400, and the present invention is not limited thereto.

Thereafter, the terminal device 400 checks whether a salary amount for salary processing is input by using the daily employee dedicated card in association with the key input unit 415 (505).

According to the exemplary embodiment of the present invention, the terminal device 400 preferably checks whether a predetermined daily employee receives a salary amount to be paid from the operator.

If the salary amount to be paid by the daily worker is confirmed (510), the terminal device 400 is the daily worker dedicated card information and the daily worker salary amount and the terminal device (as shown in Figure 6 below) With reference to the premium payment amount calculation condition information stored in the memory 400, it is determined whether the daily worker is a premium payment amount calculation target (515).

If the daily worker does not satisfy the national pension (or health insurance or industrial accident / employment insurance) qualification requirements for the premium payment amount calculation condition information, and is not a premium payment amount calculation target (520), the terminal The device 400 generates a payroll approval request full text including at least one specialized information (eg, unique information of the terminal device 400 or unique information of an operator) (525).

On the contrary, when the daily worker is a premium payment amount calculation target that satisfies the national pension (or health insurance or industrial accident / employment insurance) qualification requirements for the premium payment amount calculation condition information (520), the terminal device 400 ) Calculates the premium payment amount to be paid by the daily worker by applying the information for the daily worker dedicated card and the premium payment amount calculation condition information to the daily employee salary amount (530).

According to the exemplary embodiment of the present invention, when the terminal device 400 calculates the national pension premium payment amount of the daily employee, the daily worker is configured to calculate premium condition amount information stored in the memory unit 445. If the national pension qualification requirements are met, the calculation rate is applied to the wage amount of the daily worker (for example, the national pension premium payment amount = wage amount x 9% x 0.5).

According to another exemplary embodiment of the present invention, when the terminal device 400 calculates the health insurance premium payment amount of the daily worker, premium payment amount calculation condition information stored in the memory unit 445 provided in the terminal device 400. If the daily worker satisfies the health insurance qualification requirements, the daily wage is calculated by applying a predetermined rate to the wage amount of the daily worker (for example, health insurance premium amount = wage amount x 4.77% x 0.5). ).

Here, the calculation rate may be determined according to the application policy of those skilled in the art or related organizations, and is not limited to the above-described calculation rate.

According to another exemplary embodiment of the present invention, when the terminal device 400 calculates the employment and workers' compensation insurance payment amount, the daily worker is referred to the health worker for the insurance premium payment amount calculation condition information stored in the memory unit 445. In case of satisfying the insurance qualification requirements (e.g., when the employer (or legally legal representative of the employer) filed a business start-up report with the local labor welfare corporation within 14 days of the start of the construction site) Insurance premium is calculated by annual cost of construction.

Subsequently, the terminal device 400 includes the calculated premium payment amount information and real-time employee's real income amount information (for example, the amount of the insurance premium paid out of the wage amount paid by the business operator) and the professional inclusion information. Generate a payroll approval request full text including (535).

When the salary processing approval request text is generated 540, the terminal device 400 generates the salary to the financial institution server, the salary processing server, the payment server, or the insurance processing server shown in FIG. 1 through a predetermined network. The text of the processing approval request is transmitted (545).

According to an exemplary embodiment of the present invention, the terminal device 400 transmits the generated payroll approval request full text through the network including a value added network (VAN) to the financial institution server or payroll server or payment server or insurance processing. You can send it to the server.

Thereafter, the terminal device 400 includes a payroll processing approval response message including a payroll processing history corresponding to the payroll processing approval request message from the financial institution server, payroll processing server, payment server or insurance processing server through the network. Check periodically whether it is received (550).

If the salary processing approval response message is received through the network (555), the terminal device 400 includes salary processing details (eg, salary and insurance processing approval history, or Salary and insurance processing error history) is output through the screen output means, or output through the predetermined printing device 440 (560).

Figure 6 is a diagram illustrating a payroll approval request professional structure for payroll processing through a dedicated employee card according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a payroll approval request specialized structure generated for processing the insurance payment amount of the daily worker when the daily employee worker is paid using the dedicated worker card in the terminal device 400 shown in FIG. As an embodiment of the present invention, the payroll processing approval request professional structure is generated, which includes the card information for the daily worker, the amount of insurance premiums to be paid by the daily worker, and the amount of information to be actually received by the daily worker. .

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 6, and according to the intention to those skilled in the art in various forms (for example, check card, debit card, prepaid card, credit card) Cards, membership cards, etc.) in the case of paying the daily workers salaries using the dedicated workers only card, it is possible to infer the various structures of the request for approval of the approval process for processing the insurance payment amount of the daily workers, the present invention infers the above All the implementation methods are included, and the payroll approval request professional structure shown in this drawing is not limited to that illustrated in this drawing.

Referring to FIG. 6, the salary processing approval request full-text structure includes at least one specialized information defined between a predetermined start character (STX (Start of TeXt), 0X02) and an end character (ETX (End of TeXt), 0X03). After the terminating character, it may further comprise a checksum (CRC-CCITT) for the specialized information.

The salary processing approval request text is described through a transaction classification item related to the salary processing payment, a Terminal_ID item for the terminal device 400, a POS Entry Mode item, and a card reader provided in the terminal device 400. It comprises a TRACK II Data item corresponding to the information of the daily worker dedicated card read from the daily worker dedicated card issued to the daily worker through the card issuing system shown in Figure 4 or 43, and a predetermined FS (File Separator) 0x1C), after which the employer pays the daily worker an item, the at least one premium payment item to be paid by the daily worker and the actual amount to be actually received by the daily worker. It may include a Working Key Index item, a password item and a document serial number item.

Referring to FIG. 6 according to an embodiment of the present invention, the transaction division item of the salary processing approval request message may include transaction classification information including any one of a “payment approval request” or “payment approval cancellation”. When the salary of the daily worker using the daily worker dedicated card is paid through the card issuing system shown in FIG. 7 or FIG. 16, the salary paid by the operator in the course of processing the insurance payment amount of the daily worker is dedicated to the daily worker. This means that a deposit is made to a predetermined account (for example, a daily worker account or a payment virtual account using a business account as a parent account) associated with the card.

According to the implementation method of the present invention, the TRACK II Data item corresponding to the daily employee dedicated card information read from the daily employee dedicated card issued to the daily worker in the salary processing approval request message, the daily worker dedicated card is an MS card In this case, it is preferable to include the dedicated card worker information obtained from the primary account number (PAN) area and additional data (AD) or DD (discretionary data) area of TRACK II of the MS card, or the daily worker In the case where the dedicated card is an IC card, it is preferable that the dedicated card includes the daily worker dedicated card information (or customer authentication information) obtained from the daily worker storage information provided on the IC card.

Also, the salary amount item in the salary processing approval request text is a salary amount paid to the daily worker by the employer employing the daily worker, and in the present invention, at least one premium payment amount to be paid by the daily worker. It is preferable to include.

In addition, the at least one premium payment amount item in the salary processing approval request message is at least one or more to be paid by the daily worker calculated through the terminal device 400 for the salary amount paid by the employer to the daily worker. It is preferable to include a premium payment amount, and the field value may be omitted when the daily worker is not a premium payment target.

In addition, in the full salary processing approval request, the real amount of money item is the amount of salary that the daily worker can receive from the employer that hired the daily worker, the amount actually received, the premium payment amount calculated from the salary amount It is preferable to deduct the amount, characterized in that the deposit is processed to a predetermined account (for example, a daily worker account, or a payment virtual account using a business account, etc.) associated with the daily employee dedicated card.

7 is a diagram illustrating a card issuing system for issuing a dedicated card for a daily worker according to an embodiment of the present invention.

In more detail, FIG. 7 shows a predetermined card for requesting a predetermined daily worker to issue a card for a daily worker dedicated card associated with a predetermined daily worker account to a card issuing agency (or financial institution) through a predetermined card issuing interface. If the issuing application information is provided, the card issuing organization (or financial institution) based on the provided card issuing application information for the system for issuing a one-day worker dedicated card linked to a one-day worker account as In the technical field to which the present invention pertains, various embodiments of the card issuing system for issuing a dedicated daily worker dedicated card associated with the same daily worker account are inferred by referring to or modifying the drawing 7. Although the present invention may be inferred from the above Includes all exemplary method, it shall not be limited to the exemplary method shown in the figure 7.

Hereinafter, at least one means or function for issuing a predetermined worker-only card to the daily worker based on the card issuing application information provided from the daily worker through a predetermined card issuing interface on the card issuing system shown in FIG. Components corresponding to the configuration are referred to as "card issuing server 700" for convenience.

Referring to this drawing 7, according to the embodiment of the present invention, a card issuing system for issuing a dedicated employee card for one-time workers is characterized in that it comprises a teller terminal used by a card issuing staff provided with at least one financial institution. Or, when the card issuing system supports a non-face-to-face card issuance application, comprising a client terminal including at least one wired terminal or a wireless terminal used by the daily worker (or business owner). The communication terminal is connected to the card issuing server 700 provided on the card issuing institution (or financial institution) through a predetermined network means.

According to one embodiment of the present invention, the daily worker visits the financial institution for issuance of a daily worker dedicated card and through the window provided at the financial institution (or through a card issuing staff) for the daily worker dedicated card. Fill out a prescribed application form for issuance (e.g., a document with a form for filling in at least one item of information for issuing a one-time worker-only card) (or the card-issuing worker visits the one-time worker) To prepare the card issuance application for issuing the card for the daily work), and when the completed card issuance application is submitted to the card issuing staff, the card issuing staff is the designated counter terminal. Enter the information on the card issuance application via The counter terminal may transmit the input (or selected) information to the card issuing server 700 provided on the card issuing institution (or financial institution) through the network means.

Here, the window terminal preferably comprises a window terminal used by the card issuing staff provided in the financial institution, the card issuing server 700 connected to the window terminal is provided on the predetermined financial system It is preferable to include a ledger server, the network means for connecting the teller terminal and the card issuing server 700 is a financial network (for example, the network to connect the communication channel between the teller terminal and the card issuing server 700) It is preferable to comprise).

In the card issuing system as described above, the card issuance application created by the daily worker and the window terminal used by the card issuing staff and the financial network connecting the window terminal and the card issuing server 700 are the daily worker. It performs the function of the card issuing interface for registering the card issuing application information for issuance of a card for the temporary worker.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuance application, the daily worker (or a business owner who delegates the daily worker) is a wired terminal connected to a predetermined wired network. Or access the card issuing server 700 through at least one client terminal of a wireless terminal connected to a predetermined wireless communication network, and use the same daily work worker through at least one user interface provided by the card issuing server 700. When the card issuing application information for issuing a card is inputted (or selected), the client terminal may transmit the card issuance server 700 provided on the card issuing institution (or financial institution) through a predetermined network means. .

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a mobile communication network of Code Division Multiple Access (CDMA) based (or High-Speed Downlink Packet Access (HSDPA) based), and / or the IEEE 802.16x based portable Internet. A generic term for all terminal devices connected to a wireless LAN based on an IEEE 802.11x-based wireless LAN, and / or a personal communication system (PCS) or global system for mobile communications connected to the CDMA-based mobile communication network. Terminal or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the A portable Internet terminal connected to an IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN An preferably comprises at least one.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 700, and inputs or selects at least one or more information through the user interface to transmit the card issuance server 700. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the card issuing server 700, etc.) is provided.

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

In the card issuing system described above, a client terminal including at least one wired terminal or a wireless terminal used by the daily worker (or an employer delegating the daily worker), the client terminal and the card issuing server 700 At least one wired network or a wireless network connecting a) performs a function of a card issuing interface for registering the card issuing application information for the day-to-day worker issuance of a card dedicated to the one-time worker.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 740 is a predetermined financial network (for example, in addition to the teller terminal or the client terminal). Or a financial automatic machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD) connected to the financial common network, or a predetermined public telephone network ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or a predetermined wireless telephone network connected to a mobile communication network or a wireless VoIP network. The terminal (or server) (not shown) further comprises a call terminal (not shown) of or provided in at least one or more institutions affiliated with the financial institution. It may further include, whereby the present invention is not limited.

In the case of supporting the non-face-to-face card issuance application as described above, when the card issuing terminal 740 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device ( (Not shown) and the financial network connecting the card issuing server 700 performs a function of a card issuing interface for registering the card issuing application information for the issuance of a card for a one-time worker, or the card issuing terminal When 740 is the call terminal (not shown), a wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 700 may be provided by the one-time worker. Performs the function of the card issuing interface for registering the card issuing application information for the issuance of a card dedicated to the daily worker, or the card issuing terminal 740 If the terminal (or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card issuing server ( The network connecting 700 performs a function of a card issuing interface for registering the card issuing application information for the issuance of a one-time worker dedicated card.

The storage medium 735 provided on the card issuing institution (or financial institution) according to the present invention is dedicated to a one-time worker to the one-time worker based on the card issuing application information provided from the card issuing terminal 740. After issuing a card, it is characterized by storing the daily worker account information and the daily worker dedicated card information according to the issuance of the dedicated worker card.

Here, the daily worker account information is the financial account information that can be freely withdrawal associated with the daily worker dedicated card of the at least one financial account opened in the name of the daily worker providing the card issuance application information, the daily worker account Including the account number for, etc., and also the daily worker account may include a virtual account (for example, payment-only virtual account, etc.).

According to one embodiment of the invention, the storage medium 735 is a DBMS on a predetermined financial system provided on the card issuing institution (or financial institution) (or associated with the card issuing institution (or financial institution)). Preferably, the storage medium 735 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 735 is provided with (or linked to) a card payment system, an internet banking system, or a telebanking system provided on the card issuer (or financial institution), or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system or a TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 735 performs a predetermined information processing function on the card issuing institution (or financial institution) by using the daily worker account information and the daily worker exclusive card information. It is preferable to be provided in a predetermined DBMS interoperating with a server (or a device). In this case, the location where the storage medium 735 is provided may be variously implemented according to the intention of those skilled in the art, thereby limiting the present invention. Not.

The card issuing server 700 provided on the card issuing institution (or financial institution) according to the present invention is connected to the card issuing terminal 740 through a predetermined network means. Collectively, the components may be implemented including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium included in a predetermined server (or device). The present invention is not limited.

According to the embodiment of the present invention, the card issuing server 700 is characterized by comprising an interface unit 705 for providing a predetermined card issuing interface to the card issuing terminal 740 through the network means. .

According to an exemplary embodiment of the present invention, when the card issuing terminal 740 is a window terminal connected to a predetermined financial network, the interface unit 705 may be connected to the window terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in the card issuing application program provided in the window terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 705 is the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. 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 HTTP protocol defined in the browser program is provided.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 700, the interface unit 705 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 705 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 700, the interface unit 705 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in program.

Referring to FIG. 7, the card issuing server 700 is interlocked with the interface unit 705 when a predetermined card issuing terminal 740 is connected to the card issuing server 700 via the interface unit 705. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 740 to the card issuing terminal 740. 710 and an information receiving unit 715 for receiving predetermined card issuing application information transmitted from the card issuing terminal 740 via the user interface in connection with the interface unit 705 and transmitting the selected card issuing information. An information generation unit 725 for generating card information corresponding to a dedicated daily worker card to be issued to the daily worker based on the received card issuing application information, and a predetermined card issuing device. The card issuing unit 730 for issuing a predetermined daily worker dedicated card including the card information and the daily worker account information corresponding to the daily worker dedicated card issued to the daily worker linked with the daily worker dedicated card information And an information storage unit 720 for processing and storing the data in the storage medium 735.

The interface providing unit 710 corresponds to a functional configuration provided in the card issuing terminal 740 when a predetermined card issuing terminal 740 is connected to the card issuing server 700 through the interface unit 705. Input (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 700 via the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) to the card issuing terminal 740 through the network means in conjunction with the interface unit 705.

According to an embodiment of the present invention, the interface providing unit 710 may include a user interface for inputting the daily worker information, a user interface for inputting (or selecting) daily worker account information, and inputting the daily worker contract information ( Or a user interface for inputting (selecting) card issuance request information including at least one user interface for inputting (or selecting) card issuing request information for issuing the dedicated employee card. It generates (or extracts) and provides the card issuing terminal 740 through the network means.

According to an embodiment of the present invention, when the card issuing terminal 740 is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a card issuing application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

According to another embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 710 may be configured as the client. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program provided in the terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705. Do.

According to another exemplary embodiment of the present invention, when the card issuing terminal 740 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another embodiment of the present invention, the card issuing terminal 740 provides a user interface for inputting the daily worker information, a user interface for inputting (or selecting) daily worker account information, and the daily worker contract information. A user for inputting (selecting) card issuance application information including at least one user interface for inputting (or selecting) and a user interface for inputting (or selecting) card issuing request information for issuing the card for the daily worker. When a card issuing request program having an interface is provided, the interface providing unit 710 generates a user interface for inputting (or selecting) the card issuing application information to the card issuing terminal 740 through the network means. May be omitted (or extracted). The present invention is not limited by the.

Thereafter, the card issuing terminal 740 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server is configured to input the card issuing application information (or selected) through the network means. Send to 700.

According to an embodiment of the present invention, the card issuance application information may include at least one or more daily worker information, daily worker account information, daily worker contract information and daily worker dedicated card issuance request information.

Here, the daily worker information is the daily worker personal information (for example, daily worker name, resident registration number, address, phone number, mobile phone number, email address, etc.) and the daily worker member information (for example, the Member ID information of the daily employee provided in the card issuing institution (or financial institution), or CIF (Customer Information) of the daily employee provided in the ledger D / B on the financial system provided in the card issuing institution (or financial institution) File number), etc.).

In addition, the daily worker account information associated with the dedicated daily worker dedicated card of the at least one financial account opened in the name of the daily worker in the ledger D / B on the financial system provided to the card issuing institution (or financial institution) As a financial account information that can be freely withdrawn, it can be made including the account number for the daily employee account.

In addition, the daily employee contract information may include at least one or more information, such as workplace information, employer information, working period information, working time information, payment wage information.

In addition, the card issuing request information is preferably made to include information for requesting the issuance of a dedicated employee card associated with the daily worker account.

The information receiving unit 715 inputs (or selects) predetermined card issuing application information from the card issuing terminal 740 through the user interface and transmits the same through the network means. Characterized in that the card issuance request information is received, the received card issuance application information is provided to the information generation unit (725).

The information generating unit 725 generates predetermined card information to be provided in the daily worker dedicated card to the daily worker based on the card issuance application information received through the information receiving unit 715.

Here, the card information preferably includes a card number and an expiration date, etc. using the daily worker account as a payment account.

When the predetermined card information provided in the daily worker dedicated card is generated by the information generator 725, the card issuing unit 730 uses the predetermined card issuing device for the daily worker exclusive card including the card information. It is characterized in that the production, the daily worker dedicated card produced as described above is provided (or shipped) to the daily worker (or workplace).

According to an embodiment of the present invention, the card issuing device includes a device for recording the card information on an MS track (eg, track I, track II, track III) provided in the dedicated employee card. At this time, the information generating unit 725 generates card information in a data structure recordable on the MS track, and the card issuing unit 730 records the card information on the MS track through the card issuing device, thereby providing the daily work muscle. It is possible to issue a card for exclusive use of certain daily workers to be issued to Roza.

In addition, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the paper worker dedicated card, wherein the information generating unit 725 is provided in the IC chip The card information is generated in a file structure operable through a chip operating system (COS), and the card issuing unit 730 records the generated card information in the memory of the IC chip through the card issuing device, It is possible to issue a predetermined card for the daily worker to issue to the daily worker.

The one-time worker-only card produced as described above is provided to the one-time worker or delivered to the one-time worker according to a predetermined card providing procedure, after which the one-time worker is a card issuing institution (or financial institution) according to the present invention. Through the daily employee dedicated card will be used.

Thereafter, the information storage unit 720 is the daily worker account information included in the card issuance application information received from the daily worker through the information receiving unit 715 and the card generated by the information generating unit 725 The information is linked and stored in the storage medium 735.

Here, the daily worker account information is the financial account information that can be freely withdrawal associated with the dedicated daily worker card of the at least one financial account opened in the name of the daily worker providing the card issuance application information, the daily worker account It may be made, including the account number for.

8 is a diagram showing the configuration of information provided in the storage medium 735 in accordance with the issuance of a card dedicated to the daily worker associated with the daily worker account in accordance with an embodiment of the present invention.

In more detail, in FIG. 8, when the storage medium 735 illustrated in FIG. 7 is a ledger D / B provided in a DBMS on a financial system, the ledger information provided in the ledger D / B may include the daily employee account information. As the configuration of the information on the implementation method of the card information dedicated to the daily employee workers are stored in connection, specifically, the daily worker account information corresponds to the account ledger information on the account ledger provided in the ledger D / B, It relates to an implementation method in which worker-only card information corresponds to daily employee-only card ledger information on the card ledger provided in the ledger D / B.

If one of ordinary skill in the art to which the present invention pertains, referring to or modifying this figure 8 infers a variety of information configuration provided in the storage medium 735 in accordance with the issuance of a card dedicated to the daily worker associated with the daily worker account As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, the storage medium 735 is not in the ledger D / B on the financial system, but is provided in at least one or more other databases linked to the ledger D / B on the DBMS, or at least one card linked to the financial system. It may be provided on a payment system or a non-face-to-face financial transaction system, whereby the present invention is not limited.

Referring to FIG. 8 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined daily worker customer ledger and an account ledger associated with the daily worker customer ledger ( For example, the reception ledger, the loan ledger, etc.) and at least one card ledger associated with the daily employee customer ledger (or the account ledger), which is one of ordinary skill in the art to which the present invention pertains. The ledger D / B provided in the DBMS on the financial system includes at least one ledger (for example, a loan ledger, a mortgage ledger, ...) or the like in addition to the daily worker ledger and the account ledger and the card ledger shown in FIG. It will be apparent that at least one additional information for maintaining and managing the ledgers is further included, Since you will be familiar with the technical details, detailed description thereof will be omitted for convenience.

The daily employee's customer ledger includes CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, daily employee name, customer address, regional classification code, telephone number, business number, trade name, classification code, and expiration date. , State headquarters information, settlement date, cash available date, surname, name, resident registration number, company address, company phone number, mailing address, account number, president, type of business, 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 one-time worker customer ledger includes ledger information for one-time workers' customers including at least one of individual customers, corporate customers, and minors.

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

In addition, the account ledger is relationally associated with the daily worker customer ledger, the account number, CIF number corresponding to at least one financial account opened in the name of the daily worker (eg, associated with the daily worker customer ledger) , Branch number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension, ARS setting, final It includes at least one deposit date, final withdrawal date, final deposit amount, final withdrawal amount, number of unpaid transactions, interest rate account, flat consolidation, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date. Periodic reception information including at least one or more of an account number, abstention (month), period (days), period extension, expiration date and target amount corresponding to the account ledger, or the account Trust reception information including at least one or more of an account number, a trust amount, a par value, a pension date, and the number of shares corresponding to the chapter, or an account number, a transaction number, a date, a store number, a product type, a transaction type, It includes transaction history information including at least one of cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

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

In addition, the card ledger is characterized in that the relation to the daily employee customer ledger, the card ledger corresponding to the payment account of the dedicated employee card of the one or more account ledger associated with the daily worker customer ledger It is characterized in that it is associated with a predetermined account ledger.

Among the at least one account ledger associated with the daily ledger customer ledger, the ledger ledger dedicated to the daily employee corresponding to the predetermined account ledger corresponding to the payment account of the dedicated daily worker dedicated card has It includes at least one daily employee dedicated card payment means information, such as worker issuance card issued date, and if you have a general knowledge in the technical field to which the present invention belongs, you should be familiar with the configuration of the general ledger information for the daily worker dedicated card. Therefore, detailed description thereof will be omitted for convenience.

9 is a diagram illustrating a process for issuing a dedicated employee card associated with a daily worker account according to an embodiment of the present invention.

In more detail, in FIG. 9, in the card issuing system shown in FIG. 7, a predetermined daily worker has at least one predetermined card issuance interface (e.g., at least one card issuance application, a counter terminal, a financial network, a wired terminal, or a wireless terminal). And transmitting predetermined card issuing application information to the card issuing server 700 to the card issuing server 700 via a client terminal and a network means, etc.). As a process for issuing a predetermined daily employee dedicated card based on the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a daily employee dedicated card linked to the daily worker account by referring to or modifying the drawing 9. It is possible to infer various implementation methods for issuing the linked account card for issuance, but the present invention It includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the card issuing terminal 740 shown in FIG. 7 is referred to as a "terminal" for convenience, and the card issuing server 700 is referred to as a "server" for convenience.

Referring to FIG. 9, in order to issue the account interlocking card for issuing a dedicated day worker dedicated card associated with the daily worker account, the daily worker includes predetermined card issuance application information through a predetermined card issuing interface. When a card issuance application is prepared or the card issuing system shown in FIG. 7 supports a non-face-to-face card issuance application, the daily worker inputs (or selects) predetermined card issuance application information through a predetermined client terminal. After that, the card issuing application information is provided to the server through a predetermined card issuing interface (900).

Here, the card issuance interface preferably comprises a card issuance application prepared by the daily worker and a network means including a window terminal used by the financial institution employee and a financial network connecting the window terminal and the server, When the card issuing system supports a non-face-to-face card issuing application, the card issuing interface preferably includes a predetermined client terminal used by the daily worker and network means for connecting the client terminal and the server. .

According to the exemplary embodiment of the present invention, the card issuing application information may include at least one or more daily worker information, daily worker account information, daily worker contract information, and daily worker dedicated card issuing request information.

Here, the daily worker information is the daily worker personal information (for example, daily worker name, resident registration number, address, phone number, mobile phone number, email address, etc.) and the daily worker member information (for example, the Member ID information of the daily employee provided in the card issuing institution (or financial institution), or CIF (Customer Information) of the daily employee provided in the ledger D / B on the financial system provided in the card issuing institution (or financial institution) File) number, etc.) is preferably included.

In addition, the daily worker account information associated with the dedicated daily worker dedicated card of the at least one financial account opened in the name of the daily worker in the ledger D / B on the financial system provided to the card issuing institution (or financial institution) Free account information is available as a financial account, it may be made including the account number for the daily employee account.

In addition, the daily worker contract information may include at least one or more information, such as workplace information, employer information, working period information, working time information, payment information.

In addition, the card issuing request information is preferably made to include information for requesting the issuance of a dedicated employee card associated with the daily worker account.

When predetermined card issuance application information is received through the card issuance interface, the server reads the received card issuance application information, thereby checking the validity of issuing the one-time worker-only card to the one-time worker (905). ).

Here, the card issuance validity check, the server reads the daily worker information included in the card issuing application information to satisfy the condition that the daily worker can be issued a daily worker dedicated card card associated with the daily worker account It is preferable to include checking.

In addition, the card issuance validity check, the server is linked to the financial system provided in the card issuing institution (or financial institution) in the name of the single-employee employee corresponding to the daily employee account information included in the card issuing application information It is preferable to include checking whether the account is provided in the ledger D / B provided in the financial system.

In addition, the card issuance validity check is to determine whether the server is a credit card delinquent or credit card delinquency corresponding to the daily worker account information in connection with the financial system provided in the card issuing institution (or financial institution) It is preferable to include what is included.

In addition, the card issuance validity check, it is preferable that the server is made in connection with the employer to check whether the labor contract information of the daily worker corresponding to the daily worker contract information is valid.

If the validity for issuing the daily worker dedicated card to the daily worker is not authenticated through the card issuing application information (910), the server provides the card issuing error information to the daily worker through the card issuing interface. In operation 915, the issuing card for the daily worker is stopped to the daily worker.

If the validity of issuing the daily worker dedicated card to the daily worker is authenticated through the card issuing application information (910), the server is a daily worker dedicated card to be issued to the daily worker based on the card issuance request information In operation 920, a predetermined daily employee dedicated card payment means information corresponding to the generated information is generated.

Here, the daily employee dedicated card payment means information preferably comprises a daily employee dedicated card number and expiration date using the daily employee account as a payment account.

Thereafter, the server prepares a predetermined daily worker exclusive card having the daily employee dedicated card payment means information through a predetermined card issuing device and provides (or delivers) the daily worker to the daily worker (925).

According to an embodiment of the present invention, the card issuing device includes a device for recording the daily employee dedicated card payment means information on the MS track (for example, track I, track II, track III) provided on the dedicated employee card. In this case, the server generates the daily employee dedicated card payment means information in a data structure that can be recorded on the MS track, and by recording the daily employee dedicated card payment means information on the MS track through the card issuing device, It is possible to issue a predetermined card for the daily worker to issue to the daily worker.

In addition, the card issuing device includes a device for recording the daily employee dedicated card payment means information in the memory provided on the IC chip of the dedicated employee card, wherein the server is COS provided in the IC chip By generating a card payment means information for the daily work employee in a file structure operable through the (Chip Operating System), and recording the card payment means information for the daily work employee in the memory of the IC chip through the card issuing device, It is possible to issue a card for a dedicated daily worker to issue to a worker.

Thereafter, the server provides the daily worker account information included in the card issuance application information, the generated daily worker dedicated card payment means information, and the daily worker dedicated card payment means information to the MS provided in the daily worker dedicated card card. One-time worker-only card information, including the MS medium information including recorded, and the generated one-time worker-only card payment means information and the one-time worker-only card payment means information to the IC chip provided in the daily worker dedicated card The dedicated card worker information including the IC medium information including the recorded information is interlinked and stored in the storage medium 735 (935).

Here, the daily worker account information is a financial account information that can be freely withdrawal associated with the daily worker dedicated card of the at least one financial account opened in the name of the daily worker providing the card issuance application information, to the daily worker account It is preferable to include the account number for the.

In addition, the daily employee dedicated card information is the daily employee dedicated card payment means information including the daily employee dedicated card number and expiration date, etc. using the daily worker account account, and the daily employee dedicated card payment means information is the daily employee It can be made by including the MS medium information to confirm that the recorded in the MS provided on the employee-only card.

In addition, the daily employee dedicated card information is the daily employee dedicated card payment means information including the daily employee dedicated card number and expiration date, etc. using the daily worker account account, and the daily employee dedicated card payment means information is the daily employee It may be made by including the IC medium information to confirm that the recorded on the IC chip provided on the employee-only card.

According to an embodiment of the present invention, the storage medium 735 is provided to a DBMS on a predetermined financial system provided on the card issuing institution (or financial institution) (or associated with the card issuing institution (or financial institution)). Or a DBMS interoperating with a server (or device) that performs a predetermined information processing function using the daily worker account information and the daily worker exclusive card information on the card issuing institution (or financial institution). It is preferable.

10 is a diagram illustrating a payment virtual account opening system for opening a dedicated virtual account for daily pay of workers according to an embodiment of the present invention.

In more detail, in FIG. 10, when a predetermined daily worker requests a payment-only virtual account opening through a face-to-face virtual account opening interface, the employer employing the daily worker in the payment virtual account opening system according to the present invention ( Or a system for opening a payroll virtual account using an account opened in the name of a business as a mother account. Specifically, the daily worker visits a financial institution's window where the payable virtual account is opened, and a predetermined application for opening a virtual account. And submit it to the teller, if the teller provides predetermined virtual account opening application information corresponding to the virtual account opening application through a predetermined teller terminal to the payment virtual account opening system according to the present invention, the Application for opening the virtual account in the payment virtual account opening system To see to the daily workers will be carried out on how to establish the payroll virtual account.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 10 to infer various implementation methods for constructing a payment virtual account opening system for opening a payment-only virtual account. Includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, on the basis of the virtual account opening application information provided from the daily worker through the predetermined virtual account opening interface on the payment virtual account opening system shown in FIG. 10, the salary of the name of the daily worker corresponding to the payment virtual account opening target Components corresponding to at least one or more means or functional configurations of opening a payment virtual account are referred to as "payment virtual account opening server 1000" for convenience.

Referring to this figure 10 according to the embodiment of the present invention, the payment virtual account opening system for opening the pay-only virtual account, characterized in that it comprises a teller terminal used by the teller provided with at least one financial institution The window terminal is connected to a payment virtual account opening server 1000 provided on the payment virtual account opening system through a predetermined financial network.

According to one embodiment of the present invention, the daily employee visits the financial institution to open the pay-only virtual account and through the window provided to the financial institution (or through a teller) the pay-only virtual account Prepare a prescribed application for opening a virtual account for opening (e.g., a document with a form for filling in at least one information item for opening a payroll-only virtual account) (or the teller visits the daily worker The daily worker to prepare a virtual account opening application for opening the salary-only virtual account; and submitting the created virtual account opening application to the teller, the teller through the predetermined teller terminal Enter (or select) the information entered in the virtual account opening application form Is preferably transmitted to the payment virtual account opening server 1000 is provided on the virtual payment account opening system of the information the input (or selected) through the financial network.

Here, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the payment virtual account opening server 1000 connected to the teller terminal is a financial system in which the payroll virtual account is opened. It is preferable to include a ledger server provided on, the financial network connecting the teller terminal and the payment virtual account opening server 1000 connects the communication channel between the teller terminal and the payment virtual account opening server 1000. It is preferable to comprise the network to say.

In the payment virtual account opening system as described above, the virtual network opening application form created by the daily worker, the window terminal used by the teller and the window terminal and the financial network connecting the payment virtual account opening server 1000 is The daily worker performs a function of a virtual account opening interface for registering the virtual account opening application information for opening the payroll dedicated virtual account.

At the request of the daily worker, the financial institution that establishes the virtual payroll dedicated account is provided for providing at least one financial transaction service (eg, credit, receiving, foreign exchange, financial investment, etc.) to at least one financial transaction customer. It is characterized by having a financial system of.

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

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), Provides a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, the financial transaction service for opening the pay-only virtual account through the opening and operation of the payment virtual account. It is preferable to comprise a.

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

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

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

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening a virtual account dedicated to payroll through opening and operating the payment virtual account. It is preferable to make.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service includes a financial transaction service for opening a virtual account dedicated to payroll through opening and operating the payment virtual account. desirable.

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 , A non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service is used to open a virtual account dedicated to paying the salary through opening and operating the payment virtual account. It is preferable to include a transaction service.

Referring to FIG. 10, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

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

The payment virtual account opening server 1000 provided on the payment virtual account opening system according to the present invention is a generic term for the payment virtual account opening system side component connected to the teller terminal through a predetermined financial network. It may be implemented by including the above server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the payment virtual account opening server 1000 is characterized in that it comprises an interface unit 1005 for providing a predetermined virtual account opening interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface unit 1005 communicates with the teller terminal and a predetermined communication channel based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the communication protocol defined in the payment virtual account opening program provided in the window terminal.

Referring to FIG. 10, the payment virtual account opening server 1000 interworks with the interface unit 1005 when a predetermined teller terminal is connected to the payment virtual account opening server 1000 through the interface unit 1005. An interface providing unit 1010 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the window terminal to the window terminal; An information receiving unit 1015 for receiving predetermined virtual account opening request information transmitted from the counter terminal through the user interface (1005) and the received virtual account opening request information based on the received virtual account opening request information; An information generator 1020 for generating predetermined virtual account ledger information corresponding to the payroll virtual account to be opened to the daily worker; An information storage unit 1025 is provided in the ledger D / B on the loan system that stores the generated virtual account ledger information in association with the account ledger of the financial account corresponding to the business account (parent account) associated with the payment virtual account. Characterized in that made.

The interface providing unit 1010, when a predetermined window terminal is connected to the payment virtual account opening server 1000 through the interface unit 1005, the virtual account opening application corresponding to the functional configuration provided in the window terminal Generate a predetermined user interface that can input (or select) information and transmit it to the payment virtual account opening server 1000 through the financial network, or extract it from a predetermined database (not shown), and extract the interface unit ( In operation 1005, the generated (or extracted) user interface may be provided to the teller terminal through the financial network.

Subsequently, the teller terminal inputs (or selects) the virtual account opening application information based on the user interface, and sends the input (or selected) virtual account opening application information to the payment virtual account opening server through the financial network. Transmit to 1000.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface providing unit 1010 may provide a predetermined user interface that can be provided by a payment virtual account opening program provided in the teller terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1005.

The information receiving unit 1015 inputs (or selects) predetermined application information for opening a virtual account through the user interface at the window terminal and transmits it through the financial network. The virtual account is interlocked with the interface unit 1005. Characterized in that the application for opening establishment, and provides the received virtual account opening application information to the information generation unit 1020.

According to the method of the present invention, the virtual account establishment application information is a daily employee information requesting the daily employee to open a salary payment virtual account for opening the salary-only virtual account, and the information of the company employing the daily worker In addition, at least one of the company account information and daily worker contract information is characterized in that it is made.

The daily worker information, characterized in that it comprises a daily worker personal information (for example, daily worker name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) to apply for the opening of the pay-only virtual account.

The information on the company employing the daily worker may include a name of the company employing the daily worker, a business address, a business registration number, a representative, a telephone number, a unique code of a company (for example, a unique code given by a national institution or a public institution or a public corporation). Characterized in that it comprises at least one or more.

The operator account information is mother account information linked to the opened virtual account, and includes at least one or more account number and account holder information for the operator account previously opened in the ledger D / B on the financial system. desirable.

The daily worker contract information may include at least one or more of the contents of the contract, the contract date and time, working period, working hours, paid salaries and the like.

According to the exemplary embodiment of the present invention, the information receiving unit 1015 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the virtual account opening may include checking whether a financial account corresponding to the operator account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. desirable.

The information generating unit 1020 generates predetermined virtual account ledger information to be provided in the payroll virtual account opened under the name of the daily worker based on the virtual account opening application information received through the information receiving unit 1015. The virtual account ledger information is to be included in the parent account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is the daily worker And at least one ledger information to be provided for processing at least one or more financial transactions requested.

At least one ledger information that should be included in the account ledger (or virtual account should be provided for processing at least one or more financial transactions requested by the daily worker) if one of ordinary skill in the art belongs to the present invention. Since it will be familiar with the configuration, a detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the payroll dedicated virtual account is generated by the information generation unit 1020, the information storage unit 1025 is the operator provided in the ledger D / B provided on the financial system And generating a predetermined virtual account ledger associated with an account ledger corresponding to an account, and storing the generated virtual account ledger information in the virtual account ledger.

11 is a diagram showing the configuration of a virtual account ledger corresponding to the opening of a pay-only virtual account according to an embodiment of the present invention.

In more detail, Figure 11 is processed in connection with the account ledger corresponding to the operator account provided in the ledger D / B on the financial system for opening the pay-only virtual account in the payment virtual account opening system shown in Figure 10 Regarding the configuration of the virtual account ledger, those of ordinary skill in the art to which the present invention pertains refer to or modify this drawing 11 to infer various implementation methods for the configuration of the virtual account ledger for opening a virtual account for payroll only. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 11, the virtual account ledger corresponding to the payroll virtual account opened in the name of the daily worker for opening the payroll dedicated virtual account is linked with the account ledger corresponding to the business account employing the daily worker. And the ledger D / B on the financial system, and the account ledger corresponding to the operator account is linked to a predetermined customer ledger corresponding to the operator.

In this figure 11 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the business operator. Classification code, phone 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, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in this figure 11, the account ledger corresponding to the business account employing the daily workers is linked to the customer ledger in relational form, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes account ledger information, which includes at least one of the system account, whether the consolidation is linked, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, or an account number corresponding to the ledger, a deposit amount, face value, and yearly Trust reception information including at least one or more days and the number of shares, or an account number corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

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

Referring to FIG. 11, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the business account, and the virtual account ledger information includes parent account information associated with the virtual account and the financial system. It may include at least one ledger information to be included in the account ledger provided in the ledger D / B (or virtual account should be equipped to process at least one or more financial transactions requested by the daily worker). .

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

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

12 is a diagram illustrating a payment virtual account opening process for opening a customer request-based payment-only virtual account according to an embodiment of the present invention.

In more detail, in FIG. 12, in the payment virtual account opening system shown in FIG. 10, a predetermined daily worker uses the payment virtual account through a predetermined virtual account opening interface (for example, a virtual account opening application and a counter terminal and a financial network). When the predetermined virtual account opening application information is transmitted to the opening server 1000, the payment virtual account opening server 1000 is a process for opening a predetermined salary-only virtual account based on the virtual account opening application information. If one of ordinary skill in the art to which the present invention pertains, the present invention can infer various implementation methods of opening a virtual account for payroll only by referring to or modifying the drawing 12. It includes all, and is not limited to the embodiment shown in FIG.

In the following figure 12, the window terminal shown in FIG. 10 is referred to as "terminal" for convenience, and the payment virtual account opening server 1000 is referred to as "server" for convenience.

Referring to FIG. 12, a daily employee who intends to open the payroll virtual account prepares a predetermined virtual account opening application form and submits the created virtual account opening application form, and the terminal receives the virtual account opening interface through the virtual account opening interface. The virtual account opening application information included in the opening application is provided to the server (1200).

Here, the virtual account opening interface preferably comprises a virtual account opening application prepared by the daily worker, a window terminal used by the employee of the financial institution, and a financial network connecting the window terminal and the server.

According to the method of the present invention, the virtual account establishment application information is a daily employee information requesting the daily employee to open a salary payment virtual account for opening the salary-only virtual account, and the information of the company employing the daily worker In addition, at least one of the company account information and daily worker contract information is characterized in that it is made.

The daily worker information, characterized in that it comprises a daily employee personal information (for example, daily worker name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) to apply for the opening of the pay-only virtual account .

The information on the company employing the daily worker may include a name of the company employing the daily worker, a business address, a business registration number, a representative, a telephone number, a unique code of a company (for example, a unique code given by a national agency or a public institution or a corporation). Characterized in that it comprises at least one or more.

The operator account information is mother account information linked to the opened virtual account, and includes at least one or more account number and account holder information for the operator account previously opened in the ledger D / B on the financial system. desirable.

The daily worker contract information may include at least one or more of the contents of the contract, the contract date and time, working period, working hours, paid salaries and the like.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information to confirm whether the payment virtual account can be opened to the daily worker. (1205).

In this case, the validity of the virtual account opening may include checking whether a financial account corresponding to the operator account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. desirable.

If the validity to open the payroll dedicated virtual account to the daily worker is not certified through the virtual account opening application information (1210), the server pays the payroll to the daily worker through the virtual account opening interface. The virtual account opening error information is provided (1215), and the job of opening the virtual account dedicated to payroll according to the present embodiment to the daily worker is stopped.

On the other hand, if the validity of opening the virtual account for payroll payment to the daily worker is authenticated through the virtual account opening application information (1210), the server is based on the virtual account opening application information salary to open to the daily worker The virtual account ledger information of the daily employee name corresponding to the payment-only virtual account is generated (1220).

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or at least the virtual account is requested by the daily worker It is preferable to include at least one ledger information which must be provided to process one or more financial transactions.

At least one ledger information that should be included in the account ledger (or virtual account should be provided for processing at least one or more financial transactions requested by the daily worker) if one of ordinary skill in the art belongs to the present invention. Since it will be familiar with the configuration, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks the account ledger corresponding to the business account to be linked to the payment virtual account to be opened to the daily worker among at least one account ledger provided on the ledger D / B on the financial system (1225).

If the account ledger corresponding to the business account to be linked to the payroll dedicated virtual account to be opened to the daily worker is confirmed (1230), the server corresponds to the business account provided on the ledger D / B on the financial system Create a virtual account ledger in the name of the daily employee to be processed in connection with the account ledger (1235), and the virtual account ledger generated by linking with the account ledger corresponding to the business account in the ledger D / B on the financial system The generated virtual account ledger information is stored (1240).

FIG. 13 is a diagram illustrating a payment virtual account opening system for establishing a payout virtual account according to another embodiment of the present invention.

In more detail, in FIG. 13, when a certain daily worker requests to open a payroll dedicated virtual account through a virtual account opening interface including at least one non-face-to-face financial transaction channel, the daily worker in the illustrated payment virtual account opening system is shown. A system for setting up a virtual account dedicated to payroll using a business account for hiring a business account, and specifically, the virtual account opening interface through a predetermined wired or wireless terminal corresponding to a non-face-to-face financial transaction channel. When the predetermined virtual account opening application information is provided by using, the payment virtual account opening system based on the virtual account opening application information for the implementation method of opening the payroll dedicated virtual account of the daily employee name.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 13 to infer various implementation methods for constructing a payment virtual account opening system for opening a payout dedicated virtual account. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, on the payment virtual account opening system shown in FIG. 13, a predetermined virtual payment dedicated virtual account is opened to the daily worker based on the virtual account opening application information provided from the daily worker through a predetermined virtual account opening interface. Components corresponding to at least one or more means or functional configurations are referred to as "payment virtual account opening server 1300" for convenience.

Referring to this drawing 13 according to the embodiment of the present invention, the payment virtual account opening system for opening a payout dedicated virtual account, if the payment virtual account opening system supports a non-face-to-face payment virtual account opening, And a terminal for a predetermined daily worker to input (or select) predetermined virtual account opening application information and transmit the predetermined virtual account opening application information to the payment virtual account opening server 1300, wherein the terminal is provided through a predetermined network means. A communication channel is connected to a payment virtual account opening server 1300 provided on the payment virtual account opening system.

According to an exemplary embodiment of the present invention, when the payment virtual account opening system supports opening a non-face-to-face payroll virtual account, the daily worker is a wireless terminal connected to a predetermined wired network or a wireless connection to a predetermined wireless communication network. Access to the payment virtual account opening server 1300 through at least one client terminal of the terminal, and for opening the payroll dedicated virtual account through at least one user interface provided by the payment virtual account opening server 1300 When the virtual account establishment application information is input (or selected), it is preferable that the client terminal transmits to the payment virtual account establishment server 1300 provided on the payment virtual account establishment system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

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

In addition, the client terminal outputs at least one user interface provided by the payment virtual account opening server 1300, and inputs or selects at least one or more information through the user interface to open the payment virtual account opening server 1300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the payment virtual account opening server 1300, etc.) is provided.

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

In the payment virtual account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the daily worker, and at least one or more connecting the client terminal and the payment virtual account opening server 1300. The wired network or the wireless network performs a function of a virtual account opening interface for the daily worker to register virtual account opening application information for opening the salary-only virtual account.

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

In the case of supporting opening of a non-face-to-face payment virtual account as described above, when the terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) are provided. The financial network connecting the payment virtual account opening server 1300 performs a function of a virtual account opening interface for the daily worker to register the virtual account opening application information for opening the salary-only virtual account, or the When the terminal is the call terminal (not shown), a wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the payment virtual account opening server 1300 may be used by the daily worker. Preset of the virtual account opening interface for registering the virtual account opening application information for opening the pay-only virtual account opening Or if the terminal is a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) ) And the network connecting the payment virtual account opening server 1300 performs a function of a virtual account opening interface for the daily worker to register the virtual account opening application information for opening the salary-only virtual account.

At the request of the daily worker, the financial institution that establishes the virtual payroll dedicated account is provided for providing at least one financial transaction service (eg, credit, receiving, foreign exchange, financial investment, etc.) to at least one financial transaction customer. It is characterized by having a financial system of.

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

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening a virtual account dedicated to payroll through opening and operating the payment virtual account. It is preferable to make.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service includes a financial transaction service for opening a virtual account dedicated to payroll through opening and operating the payment virtual account. desirable.

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 , A non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service is used to open a virtual account dedicated to paying the salary through opening and operating the payment virtual account. It is preferable to include a transaction service.

Referring to FIG. 13, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interface through a common network (eg, CD common network, financial common network), characterized in that the financial system is interfacing between components in the financial system Interface module corresponding to the middleware platform that provides the data, and stores predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database to be managed.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

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

The payment virtual account opening server 1300 provided on the payment virtual account opening system according to the present invention is a generic term for the payment virtual account opening system side component connected to the terminal through a predetermined network means. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the payment virtual account opening server 1300 is characterized in that it comprises an interface unit 1305 for providing a predetermined virtual account opening interface to the terminal via the network means.

According to an exemplary embodiment of the present invention, when the terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 1305 is defined in the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. have.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1305 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information may be provided.

Alternatively, when the client terminal is provided with a predetermined payment virtual account opening program provided by the payment virtual account opening server 1300, the interface unit 1305 communicates with the client terminal based on the TCP / IP protocol. A channel may be connected and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1305 is based on the protocol stack defined in the wireless network. And a predetermined communication channel, and may provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a WAP / ME protocol defined in the browser program may provide a web page (eg, a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, when the payment virtual account opening program provided by the payment virtual account opening server 1300 is provided in the client terminal, the interface unit 1305 connects a communication channel with the client terminal based on the CDMA protocol. A communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

Referring to FIG. 13, the payment virtual account opening server 1300 is connected to the interface virtual unit 1305 when a predetermined terminal is connected to the payment virtual account opening server 1300 through the interface unit 1305. An interface providing unit 1310 for generating (or extracting) a predetermined user interface for the terminal to input (or select) and transmit predetermined virtual account opening application information to the terminal, and the interface unit 1305. An information receiving unit 1315 for receiving predetermined virtual account opening request information transmitted from the terminal through the user interface (input or selection) and the virtual worker opening request information based on the received virtual account opening request information; An information generation unit 1320 for generating predetermined virtual account ledger information corresponding to the pay-only virtual account to be opened to the client; An information storage unit 1325 for storing the created virtual account ledger information in association with an account ledger of a financial account corresponding to a business account for hiring the daily workers associated with the payment virtual account in the ledger D / B of the Characterized in that made.

The interface providing unit 1310, when a predetermined terminal is connected to the payment virtual account opening server 1300 through the interface unit 1305, the virtual account opening application information corresponding to the functional configuration provided in the terminal Generate a predetermined user interface which can be input (or selected) and transmitted to the payment virtual account opening server 1300 via the network means, or extract from a predetermined database (not shown), and the interface unit 1305 And providing the generated (or extracted) user interface to the terminal through the network means.

Thereafter, the terminal inputs (or selects) the virtual account opening application information based on the user interface and transmits the input (or selected) virtual account opening application information through the network means to the payment virtual account opening server ( 1300).

According to an embodiment of the present invention, when the terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 1310 is a browser program provided in the client terminal. Alternatively, a predetermined user interface that can be provided to a communication program may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 1305.

According to another exemplary embodiment of the present invention, when the terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1310 is provided by a browser program or a communication program provided in the client terminal. A predetermined user interface may be generated (or extracted) as possible, and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 1305.

When the information receiving unit 1315 inputs (or selects) predetermined virtual account opening application information through the user interface through the user interface, the information receiving unit 1315 opens the virtual account in cooperation with the interface unit 1305. Characterized in that it receives the application information, and provides the received virtual account opening application information to the information generation unit 1320.

According to the method of the present invention, the virtual account establishment application information is a daily employee information requesting the daily employee to open a salary payment virtual account for opening the salary-only virtual account, and the information of the company employing the daily worker In addition, at least one of the company account information and daily worker contract information is characterized in that it is made.

The daily worker information, characterized in that it comprises a daily worker personal information (for example, daily worker name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) to apply for the opening of the pay-only virtual account.

The information on the company employing the daily worker may include a name of the company employing the daily worker, a business address, a business registration number, a representative, a telephone number, a unique code of a company (for example, a unique code given by a national institution or a public institution or a public corporation). Characterized in that it comprises at least one or more.

The operator account information is mother account information linked to the opened virtual account, and includes at least one or more account number and account holder information for the operator account previously opened in the ledger D / B on the financial system. desirable.

The daily worker contract information may include at least one or more of the contents of the contract, the contract date and time, working period, working hours, paid salaries and the like.

According to the exemplary embodiment of the present invention, the information receiving unit 1315 may further include a function of checking the validity of the received virtual account opening application information.

Here, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the operator account information for hiring the daily worker included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable to include what is included.

The information generating unit 1320 is configured to provide predetermined virtual account ledger information to be provided in the payroll dedicated virtual account opened in the name of the daily worker based on the virtual account opening application information received through the information receiving unit 1315. The virtual account ledger information is to be included in the parent account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or the virtual account is the daily job) It is preferred to include at least one ledger information which the worker must have in order to process at least one financial transaction requested.

At least one ledger information that should be included in the account ledger (or virtual account should be provided for processing at least one or more financial transactions requested by the daily worker) if one of ordinary skill in the art belongs to the present invention. Since it will be familiar with the configuration, a detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the payroll dedicated virtual account is generated by the information generation unit 1320, the information storage unit 1325 is the business operator provided in the ledger D / B provided on the financial system And generating a predetermined virtual account ledger associated with the account ledger corresponding to the account, and storing the generated virtual account ledger information in the virtual account ledger.

14 is a view showing the configuration of a virtual account ledger corresponding to the opening of a pay-only virtual account according to another embodiment of the present invention.

More specifically, FIG. 14 illustrates a company employing the daily workers provided in the ledger D / B on the financial system to open a virtual account for payroll for the daily workers in the payment virtual account opening system shown in FIG. The structure of the virtual account ledger to be processed in connection with the account ledger corresponding to the account, if the person of ordinary skill in the art belongs to, the virtual for opening a virtual account dedicated to payroll pay reference to or modified in this figure 14 Various implementation methods for the account ledger may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 14, the virtual account ledger corresponding to the payroll dedicated virtual account opened in the name of the daily worker for opening the payroll dedicated virtual account is linked with the account ledger corresponding to the business account employing the daily work worker. Characterized in that the processing is provided in the ledger D / B on the financial system, the account ledger corresponding to the operator account is linked to a predetermined customer ledger corresponding to the operator.

In this drawing 14 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the business operator, and includes a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, a region. Classification code, phone 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, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in FIG. 14, the account ledger corresponding to the operator account is linked to the customer ledger in a relational form, and the account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and RBI balance 1, RBI Equity Balance 2, Bank Account Balance, Bank Account Number, Current Interest, Time Extension, Time Extension, ARS, Last Deposit Date, Last Withdrawal Date, Final Deposit Amount, Final Withdrawal Amount, No Accounting Transactions, Interest Rate Account, Equity It includes account ledger information including at least one of consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and final interest calculation date, account number corresponding to the account ledger, abstention (monthly), Periodic reception information including at least one or more periods (days), period extension, maturity date, and target amount, or an account number corresponding to the account ledger, a deposit amount, par value, pension date, and number of shares. Trust reception information that includes more than one, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 14, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the business account, and the virtual account ledger information includes mother account information associated with the virtual account and the financial system. It is preferable to include at least one ledger information to be included in the account ledger provided in the ledger D / B (or virtual account should be equipped to process at least one or more financial transactions requested by the daily worker). Do.

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

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

FIG. 15 is a diagram illustrating a payment virtual account opening process for opening a payment-only virtual account according to another embodiment of the present invention.

In more detail, FIG. 15 shows a client terminal and a network means in which a given daily worker includes a predetermined virtual account opening interface (eg, at least one wired terminal or a wireless terminal) in the payment virtual account opening system shown in FIG. Etc.), when the predetermined virtual account opening application information is transmitted to the payment virtual account opening server 1300, the payment virtual account opening server 1300 based on the virtual account opening application information is dedicated to the predetermined payment of pay virtual. Regarding the process of opening an account, one of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the present invention to infer various methods of opening a pay-only virtual account by referring to or modifying the drawing 15. The present invention encompasses all of the inferred implementation methods, and with the implementation method shown in FIG. It is not limited.

Hereinafter, in this figure 15, the payment virtual account opening server 1300 shown in FIG. 13 will be referred to as "server" for convenience.

Referring to FIG. 15, the daily worker accesses the server through the network means using the terminal to open the payroll dedicated virtual account, and establishes a virtual account for opening the payroll dedicated virtual account to the server. An interface is requested (1500), and in response, the server extracts (or creates) a virtual account opening interface for opening the payroll virtual account and provides the terminal to the terminal (1505).

Thereafter, the terminal inputs (or selects) predetermined virtual account opening application information through the virtual account opening interface, and then provides the virtual account opening application information to the server through a predetermined virtual account opening interface (1510). .

The virtual account opening interface may include a predetermined terminal used by the daily worker, network means for connecting the terminal and the server, and inputting predetermined virtual account opening application information from the terminal to the server. It is preferable to include a user interface for.

According to the method of the present invention, the virtual account establishment application information is a daily employee information requesting the daily employee to open a salary payment virtual account for opening the salary-only virtual account, and the information of the company employing the daily worker In addition, at least one of the company account information and daily worker contract information is characterized in that it is made.

The daily worker information, characterized in that it comprises a daily worker personal information (for example, daily worker name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) to apply for the opening of the pay-only virtual account.

The information on the company employing the daily worker may include a name of the company employing the daily worker, a business address, a business registration number, a representative, a telephone number, a unique code of a company (for example, a unique code given by a national institution or a public institution or a public corporation). Characterized in that it comprises at least one or more.

The operator account information is mother account information linked to the opened virtual account, and includes at least one or more account number and account holder information for the operator account previously opened in the ledger D / B on the financial system. desirable.

The daily worker contract information may include at least one or more of the contents of the contract, the contract date and time, working period, working hours, paid salaries and the like.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby validating whether it is possible to open the payroll dedicated virtual account to the daily worker. Check (1515).

Here, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the operator account information for hiring the daily worker included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. It is preferable to include what is included.

If the validity to open the payroll dedicated virtual account to the daily worker is not certified through the virtual account opening application information (1520), the server pays the virtual worker to the daily worker through the virtual account opening interface. Information on opening error is provided (1525), and the operation of opening the payment virtual account to the daily worker is stopped.

On the other hand, if the validity of opening the payment virtual account to the daily worker is authenticated through the virtual account opening application information (1520), the server provides the payment virtual account to be opened to the daily worker based on the virtual account opening application information. In operation 1530, virtual account ledger information of the customer name corresponding to the client account is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or at least the virtual account is requested by the daily worker It is preferred to include at least one ledger information, which must be provided to process one or more financial transactions.

At least one ledger information that should be included in the account ledger (or virtual account should be provided for processing at least one or more financial transactions requested by the daily worker) if one of ordinary skill in the art belongs to the present invention. Since it will be familiar with the configuration, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks the account ledger corresponding to the business account to be linked to the payment virtual account to be opened to the daily worker among at least one account ledger provided on the ledger D / B on the financial system (1535).

If the account ledger corresponding to the business account to be linked to the payment virtual account to be opened to the daily worker is confirmed (1540), the server corresponds to the account corresponding to the business account provided on the ledger D / B on the financial system Create a virtual account ledger in the name of the daily worker that is linked to the ledger (1545), and generated in the virtual account ledger generated by linking with the account ledger corresponding to the business account in the ledger D / B on the financial system The virtual account ledger information is stored (1550).

16 is a diagram illustrating a card issuing system for issuing a dedicated card for paying daily employee salary according to an embodiment of the present invention.

In more detail, FIG. 16 shows a payment virtual account established by a single-time worker under the name of the daily-worker through the virtual account opening system shown in FIG. 10 or 13 as a card issuing system through a predetermined card issuing interface. When providing predetermined card issuing application information for issuing the associated dedicated card, the card issuing system is provided to the daily worker based on the provided card issuing application information through the virtual account opening system shown in FIG. 10 or 13. As a system configuration for issuing a dedicated day worker dedicated card associated with a payment virtual account opened in the name of a daily worker, if the person of ordinary skill in the technical field to which the present invention belongs, refer to or modify this figure 16 Various rooms for configuring card issuing system for payroll processing Would be able to infer the way, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 16.

Hereinafter, at least one or more means for issuing a predetermined daily worker dedicated card to the daily worker based on the card issuance application information provided from the daily worker through a predetermined card issuing interface on the card issuing system shown in FIG. The component corresponding to the functional configuration is called "card issuing server 1600" for convenience.

Referring to this figure 16 according to the embodiment of the present invention, a card issuance for issuing a dedicated employee card issued to a one-time worker linked to the payment virtual account opened in the name of a one-time worker through the virtual account opening system shown in Figure 10 or 13 The system is characterized in that it comprises a teller terminal used by the card issuing staff equipped with at least one financial institution, or when the card issuing system supports the non-face-to-face card issuance application, And a client terminal including at least one wired terminal or a wireless terminal, wherein the window terminal or the client terminal communicates with the card issuing server 1600 provided on the card issuing system through a predetermined network means. The channel is connected.

According to one embodiment of the present invention, the daily worker is the finance for issuing a dedicated day worker dedicated card linked to the payment virtual account opened in the name of the daily worker through the virtual account opening system shown in Figure 10 or 13 At least one information item for issuing a predetermined card issuance application (eg, issuance of a dedicated worker card) through the counter provided to the financial institution (or through a card issuer). (Or a document with a form for filling out a document) (or the card issuer visits the customer and asks the customer to fill out a predetermined card issuance application for issuing the dedicated worker card). If you submit the completed card issuance application form to the card issuing officer, The card issuing clerk enters (or selects) the information entered in the card issuing application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) information to the card issuing system through the network means. It is preferable to transmit to the card issuing server 1600 provided in.

Here, the teller terminal preferably comprises a teller terminal used by the card issuing staff provided in the financial institution, the card issuing server 1600 connected to the teller terminal is provided on the predetermined financial system Preferably it comprises a ledger server, the network means for connecting the teller terminal and card issuing server 1600 is a financial network (eg, our network) connecting the communication channel between the teller terminal and the card issuing server 1600 It is preferable to comprise).

In the card issuing system as described above, a card issuance application prepared by the daily worker, a window terminal used by the card issuing staff, and a financial network connecting the window terminal and the card issuing server 1600 are the daily worker. Performs the function of the card issuing interface for registering the card issuing application information for issuance of a card dedicated to the one-time worker linked to the payment virtual account opened in the name of the one-time worker through the virtual account opening system shown in FIG. do.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuance application, the daily worker is at least one of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Access to the card issuing server 1600 through one or more client terminals, and through the virtual account opening system shown in FIG. 10 or 13 through at least one user interface provided by the card issuing server 1600 Entering (or selecting) card issuance application information for issuing a card for a one-time worker associated with a payment virtual account opened in a worker's name, the card terminal is provided on the card issuing system through a predetermined network means at the client terminal. It is preferable to transmit to the server 1600.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

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

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 1600, and inputs or selects at least one or more information through the user interface to transmit the card issuing server 1600 to the card issuing server 1600. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the card issuing server 1600) is provided.

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

In the card issuing system, a client terminal including at least one or more wired terminals or wireless terminals used by the daily worker, and at least one wired network connecting the client terminal and the card issuing server 1600 or The wireless network is a card for registering the card issuance application information for issuing a dedicated day worker dedicated card linked to the payment virtual account opened in the name of the day worker through the virtual account opening system shown in FIG. 10 or FIG. 13. Perform the function of the issue interface.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 1640 may have a predetermined financial network (for example, a counter terminal or a client terminal). Or a financial automatic machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD) connected to the financial common network, or a predetermined public telephone network ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or a predetermined wireless telephone network connected to a mobile communication network or a wireless VoIP network. A terminal (or server) (not shown) further comprising a call terminal (not shown) of or provided in at least one or more institutions affiliated with the financial institution. It may further comprise, and to which the present invention is not limited.

In the case of supporting the non-face-to-face card issuance application as described above, when the card issuing terminal 1640 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device (Not shown) and the financial network that connects the card issuance server 1600 is a daily work associated with the payment virtual account opened in the name of the daily work worker through the virtual account opening system shown in Figure 10 or 13 Performs a function of a card issuing interface for registering card issuance application information for issuing a worker-only card, or when the card issuing terminal 1640 is the call terminal (not shown), the call terminal (not shown) and In the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the card issuing server 1600, the daily workers are the drawings 10 or 13 Through the virtual account opening system shown to perform the function of the card issuing interface for registering the card issuance application information for the issuance of a card dedicated to the one-time worker linked to the payment virtual account opened in the name of the one-time worker, or the card issuing terminal ( In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution of 1640, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card issuance The network connecting the server 1600 applies for issuing a card for issuing a dedicated card for the daily worker linked to the payment virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 10 or FIG. 13. It performs the function of card issuing interface for registering information.

According to the implementation method of the present invention, the card issuing application information is issued through the card issuing system shown in Figure 16 is issued through the card dedicated to the daily worker (or opened through the virtual account opening system shown in Figure 10 or Figure 13) Daily worker information corresponding to the paid virtual account) and virtual account information corresponding to the paid virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 10 or FIG. 13. Do.

Here, the daily worker information included in the card issuance application information, personal information of the daily worker corresponding to the payment virtual account opened through the virtual account opening system shown in FIG. Address, telephone number, mobile phone number, e-mail address, etc.).

The virtual account information included in the card issuance application information may include at least one virtual account number corresponding to the virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 10 or 13. It is preferable to comprise.

The card information D / B 1635 provided on the card issuing system according to the present invention provides a card for a daily worker exclusive to the daily worker based on the card issuing application information provided from the card issuing terminal 1640. After issuing, it is characterized in that the predetermined daily worker dedicated card information generated in response to the issuance of the daily worker dedicated card and the daily worker information and virtual account information included in the card issuance application information is stored in a linked process.

According to an embodiment of the present invention, the card information D / B 1635 is preferably provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), In this case, the card information D / B 1635 may be a ledger D / B provided in a DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the card information D / B 1635 may be an electronic payment system, an internet banking system, a telebanking system, or a wireless banking system provided on (or associated with) the card issuing system. It is possible to be provided in the DBMS on the at least one banking system of the system, or TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1635 performs a predetermined information processing function on the card issuing system by using the daily employee dedicated card information, virtual account information, and daily worker information. It is preferable to be provided in a predetermined DBMS interoperating with a server (or a device). At this time, the position where the card information D / B 1635 is provided may be variously performed according to the intention of those skilled in the art. The invention is not limited.

The card issuing server 1600 provided on the card issuing system according to the present invention is a generic term for the card issuing system side components connected with the card issuing terminal 1640 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the card issuing server 1600 is characterized in that it comprises an interface unit 1605 for providing a predetermined card issuing interface to the card issuing terminal 1640 through the network means. .

According to an exemplary embodiment of the present invention, when the card issuing terminal 1640 is a window terminal connected to a predetermined financial network, the interface unit 1605 may be connected to the window terminal based on a protocol stack defined in the financial network. It is possible to connect a predetermined communication channel and provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a card issuing application program included in the window terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1640 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 1605 may include the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. A communication interface can be provided.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1605 connects a communication channel with the client terminal based on the TCP / IP protocol, The HTTP protocol defined in the browser program may be used to provide a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, when the client terminal is provided with a predetermined card issuance application program provided by the card issuing server 1600, the interface unit 1605 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 1640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1605 is a protocol stack defined in the wireless network. Based on the connection between the client terminal and a predetermined communication channel, it is possible to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a WAP / ME protocol defined in the browser program may provide a web page (eg, a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, when the client terminal is provided with a card issuing application program provided by the card issuing server 1600, the interface unit 1605 connects a communication channel with the client terminal based on the CDMA protocol, and the communication A communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in a program.

Referring to FIG. 16, the card issuing server 1600 is connected to the card issuing server 1600 when a predetermined card issuing terminal 1640 is connected to the card issuing server 1600 through the interface 1605. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 1640 and providing the card issuing terminal 1640 to the card issuing terminal 1640. 1610 and an information receiving unit 1615 that receives predetermined card issuing application information transmitted from the card issuing terminal 1640 through the user interface (or selected) in association with the interface unit 1605. And generating information for a dedicated daily worker exclusive card corresponding to the daily worker exclusive card to be issued to the daily worker based on the received card issuance application information. To the card 1625, a card issuing unit 1630 for issuing a predetermined daily worker dedicated card containing the card information dedicated to the daily worker through a predetermined card issuing device, and to the daily worker dedicated card issued to the daily worker And an information storage unit 1620 which stores the card information D / B 1635 in association with the corresponding daily employee dedicated card information, the virtual account information, and the customer information.

The interface providing unit 1610 corresponds to a functional configuration provided in the card issuing terminal 1640 when a predetermined card issuing terminal 1640 is connected to the card issuing server 1600 through the interface unit 1605. Input (or select) the card issuing application information to generate a predetermined user interface that can be transmitted to the card issuing server 1600 via the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) to the card issuing terminal 1640 through the network means in conjunction with the interface unit 1605.

Thereafter, the card issuing terminal 1640 inputs (or selects) the card issuing application information based on the user interface, and uses the network issuing card issuing application information through the network means. Send to 1600.

According to an embodiment of the present invention, when the card issuing terminal 1640 is a window terminal connected to a predetermined financial network, the interface providing unit 1610 may provide a card issuing application program provided in the window terminal. The user interface may be generated (or extracted), and the generated (or extracted) user interface may be provided to the counter terminal through the interface unit 1605.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1640 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 1610 may be configured as the client. The user interface generated by the browser program or the communication program included in the terminal may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 1605. .

According to another exemplary embodiment of the present invention, when the card issuing terminal 1640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1610 is a browser provided in the client terminal. A user interface that can be provided as a program or a communication program may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 1605.

The information receiving unit 1615 inputs (or selects) predetermined card issuing application information from the card issuing terminal 1640 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 1625.

According to the implementation method of the present invention, the card issuing application information is issued through the card issuing system shown in Figure 16 is issued through the card dedicated to the daily worker (or opened through the virtual account opening system shown in Figure 10 or Figure 13) Daily worker information) corresponding to the paid virtual account and the virtual account information corresponding to the paid virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 10 or FIG. 13. .

Here, the daily worker information included in the card issuance application information, personal information of the daily worker corresponding to the payment virtual account opened through the virtual account opening system shown in FIG. Address, telephone number, mobile phone number, e-mail address, etc.).

The virtual account information included in the card issuance application information may include at least one virtual account number corresponding to the virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 10 or 13. It is preferable to comprise.

The information generating unit 1625 generates predetermined daily worker exclusive card information to be provided in the daily worker dedicated card to the daily worker based on the card issuance application information received through the information receiving unit 1615. It is done.

Here, the daily employee dedicated card information is characterized in that it comprises a predetermined daily employee dedicated card number, and further preferably comprises a valid period of the daily employee dedicated card.

When the predetermined daily employee dedicated card information provided in the daily employee dedicated card is generated by the information generating unit 1625, the card issuing unit 1630 uses the predetermined card issuing device to provide the daily employee dedicated card information. Producing a dedicated daily worker card including (or having the daily worker dedicated card information in the daily worker dedicated card), the daily worker dedicated card is provided (or shipped) to the daily worker.

If the one-time worker dedicated card is an MS (Magnetic Stripe) card, the card issuing apparatus is dedicated to the one-time worker on at least one or more MS tracks (eg, track I, track II, track III) provided in the one-time worker dedicated card. It includes a device for recording card information, wherein the information generating unit 1625 generates the card information dedicated to the daily worker in a data structure that can be recorded on at least one or more MS track, the card issuing unit 1630 is By recording card information dedicated to the daily worker through at least one MS track through the card issuing device, a predetermined daily worker dedicated card to be issued to the daily worker is issued.

Alternatively, if the one-time employee dedicated card is an IC (Integrated Circuit) card, the card issuing device comprises a device for recording the one-time worker dedicated card information in the memory provided on the IC chip of the one-time worker dedicated card, At this time, the information generation unit 1625 generates the card information dedicated to the daily workers in a file structure operable through the COS (Chip Operating System) provided in the IC chip, the card issuing unit 1630 is the card issuance By recording the card information dedicated to the daily worker in the memory of the IC chip through the device, a predetermined daily worker dedicated card to be issued to the daily worker is issued.

The one-time worker-only card produced as described above is provided to the one-time worker or delivered to the one-time worker according to a predetermined card providing procedure, after which the one-time worker is the one-time worker through the payroll processing system according to the present invention. You will use a dedicated card.

Thereafter, the information storage unit 1620 is included in the one-time worker dedicated card information generated through the information generation unit 1625 and the card issuance application information received from the one-time worker through the information receiving unit 1615. Characterized in that the virtual account information and the daily worker information (customer information) to process the connection and store in the card information D / B (1635).

FIG. 17 is a diagram illustrating a process for issuing a dedicated employee card for a daily employee for payment processing according to an embodiment of the present invention.

In more detail, in FIG. 17, in the card issuing system shown in FIG. 16, a predetermined daily worker has at least one predetermined card issuing interface (e.g., a card issuance application, a window terminal and a network means, or a wired terminal or a wireless terminal). Payment virtual opened in the name of the daily worker through the virtual account opening system shown in Figure 10 or Figure 13 to the card issuing server 1600 through the client terminal and the network means, etc.) When providing predetermined card issuing application information for issuing a dedicated worker card dedicated to the account associated with the account, the card issuing server 1600 is shown in FIG. 10 or 13 to the daily worker based on the provided card issuing application information. Linked to the payment virtual account opened in the name of the daily worker through the open virtual account opening system. Regarding the process of issuing a dedicated worker card, one of ordinary skill in the art to which the present invention pertains, various implementations of issuing the dedicated worker card for payment processing by referring to or modifying the drawing 17. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, in FIG. 17, after producing (or delivering) the dedicated daily worker card to the daily worker, the card information D / B 1635 specifies predetermined daily worker dedicated card information, virtual account information, and daily worker. Although illustrated as storing information, a process of storing predetermined daily employee dedicated card information, virtual account information, and customer information in the card information D / B 1635 according to the intention of a person skilled in the art may be used. It may be carried out before production or after being provided (or shipped) to the daily worker after the dedicated worker card is produced, by which the present invention is not limited.

Hereinafter, in FIG. 17, the card issuing terminal 1640 shown in FIG. 16 is referred to as a "terminal" for convenience, and the card issuing server 1600 is referred to as a "server" for convenience.

Referring to FIG. 17, in order to issue the one-time worker dedicated card for the salary processing, the one-time worker prepares a predetermined card issuance application including predetermined card issuance application information through a predetermined card issuance interface, or When the card issuing system shown in FIG. 16 supports a non-face-to-face card issuance application, the daily worker inputs (or selects) predetermined card issuance application information through a predetermined client terminal, and then issues a predetermined card issuance. The card issuing application information is provided to the server through an interface (1700).

The card issuing interface may include a card issuance application prepared by the daily worker, a window terminal used by the financial institution employee, and a network means for connecting the window terminal and the server. When supporting a non-face-to-face card issuing application, the card issuing interface preferably includes a predetermined client terminal used by the daily worker and network means for connecting the client terminal and the server.

In addition, the card issuing application information provided to the server through the card issuing interface is a card for a daily worker is issued through the card issuing system shown in Figure 16 (or a virtual account shown in Figure 10 or 13) One-time worker (customer) information corresponding to the payment virtual account opened through the opening system, and a virtual account corresponding to the payment virtual account opened under the name of the daily worker through the virtual account opening system shown in FIG. It is preferable to include information.

Here, the daily employee information included in the card issuance application information, the daily employee personal information corresponding to the payment virtual account opened through the virtual account opening system shown in Figure 10 or Figure 13 (for example, daily worker name, resident registration number , Address, phone number, mobile phone number, mail address, etc.) can be made.

The virtual account information included in the card issuance application information may include at least one virtual account number corresponding to the virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 10 or 13. It is preferable to comprise.

When predetermined card issuance application information is received through the card issuance interface, the server reads the received card issuance application information, thereby confirming the validity of issuing the one-time worker-only card to the one-time worker (1705). ).

Here, the card issuance validity confirmation is based on the daily employee information and the virtual account information included in the card issuance application information to the daily employee through the virtual account opening system shown in FIG. It is preferable to include checking whether a corresponding payment virtual account is opened.

If the validity for issuing the daily worker dedicated card to the daily worker is not authenticated through the card issuing application information (1710), the server provides card issuing error information to the daily worker through the card issuing interface. And (1715), issuing the one-time worker-only card to the one-time worker.

If the validity of issuing the daily worker dedicated card to the daily worker is authenticated through the card issuing application information (1710), the server is assigned to the daily worker dedicated card to be issued to the daily worker based on the card issuance application information. The card information corresponding to the predetermined daily worker is generated (1720).

Here, the daily employee dedicated card information is characterized in that it comprises a predetermined daily employee dedicated card number, and may further comprise the expiration date of the dedicated daily worker dedicated card.

According to an embodiment of the present invention, if the daily employee dedicated card is an MS card, the generated daily employee dedicated card information may include a data structure recordable on at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the daily employee dedicated card is an IC card, the generated daily employee dedicated card information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. Can be.

Thereafter, the server prepares a predetermined daily worker dedicated card having the daily worker dedicated card information through a predetermined card issuing device and provides (or delivers) the daily worker to the daily worker (1725).

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

According to another embodiment of the present invention, if the one-time employee dedicated card is an IC card, the card issuing device includes a device for recording the one-time employee dedicated card information in a memory provided in the IC chip of the one-time worker dedicated card. Can be done.

Thereafter, the server associates the generated daily worker dedicated card information with the virtual account information provided from the daily worker through the card issue interface and the daily worker information to store in the predetermined card information D / B 1635. (1730).

According to an embodiment of the present invention, the card information D / B 1635 is provided in a DBMS on a predetermined financial system provided on the card issuing system (or associated with the card issuing system), or issuing the card. The system may be provided in a predetermined DBMS interoperating with a server (or device) that performs a predetermined information processing function by using the one-time worker dedicated card information, virtual account information, and one-time worker information on the system.

18 is a diagram illustrating a face-to-face card information registration system for payroll processing through a dedicated employee card according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates a company employing the one-time worker by the daily worker after a pay-only virtual account is opened in the name of a predetermined one-time worker through the virtual account opening system shown in FIG. 10 or 13. One-time worker-only card information (or a card owned by the one-time worker (e.g., a credit card, a check card, or a debit card, or a cash card) corresponding to a predetermined one-time worker-only card received from the In the case of providing the daily employee card registration information including the card information corresponding to the daily employee owned card) and the payment virtual account information to the card information registration system shown through a predetermined information registration interface, the card information registration Included in the above-mentioned daily employee card registration information As a system configuration for linking and processing the daily employee dedicated card information and payroll dedicated virtual account information to a predetermined storage medium 1830, if the person of ordinary skill in the art to which the present invention belongs By referring to or modifying the drawing 18 can be inferred various implementation methods for the configuration of the card information registration system for the salary processing through the dedicated employee card, the present invention includes all the inferred implementation method, this figure 18 It is not limited only to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing daily worker card registration information provided from the daily worker through the predetermined information registration interface on the storage medium 1830 on the card information registration system shown in FIG. 18. The corresponding component is referred to as " information registration server 1800 " for convenience.

Referring to FIG. 18 according to an embodiment of the present invention, a card information registration system for payroll processing through a dedicated employee card according to the present invention includes a teller terminal 1835 provided at at least one financial institution branch. And an information registration terminal, wherein the information registration terminal is connected to a communication channel with an information registration server 1800 provided on the card information registration system through a predetermined financial network.

According to one embodiment of the present invention, the daily employee visits the financial institution branch for pay processing through the dedicated daily employee dedicated card according to the present invention, and through the window (or counter staff) provided in the financial institution branch Fill out a prescribed application (eg, a document with a form for filling in at least one information item for payroll processing through a daily worker dedicated card) and complete the application form. Is submitted to the teller, the teller enters (or selects) the information entered in the application through a teller terminal 1835, and the teller terminal 1835 sends the input (or selects) the information. It is preferable to transmit to the information registration server 1800 provided on the card information registration system through the financial network.

Here, the teller terminal 1835 preferably includes a manager terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 1800 connected to the teller terminal 1835 is the predetermined. It is preferable that the ledger server provided on the financial system of the financial network connecting the teller terminal 1835 and the information registration server 1800 is the teller terminal 1835 and the information registration server 1800. It is preferable to include a conventional network for connecting the communication channel between.

In the card information registration system as described above, the financial network connecting the application made by the daily worker and the teller terminal 1835 and the teller terminal 1835 and the information registration server 1800 used by the teller employee The daily worker performs a function of the information registration interface for registering the daily employee dedicated card information for salary processing through the daily employee dedicated card according to the present invention.

The storage medium 1830 provided on the card information registration system according to the present invention includes a payroll dedicated virtual account information and a one-time worker opened by the one-time worker included in the one-time worker card registration information provided from the information registration terminal. The exclusive card information is linked and stored in a predetermined storage medium 1830.

Here, the daily worker information, characterized in that it comprises a daily employee personal information (for example, daily worker name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) to apply for the opening of the payroll dedicated virtual account It is done.

In addition, the daily employee dedicated card information includes a type of employee card (or membership card or membership card, etc.) that the employer employing the daily worker pays the daily worker, and registers the card information shown in FIG. After the predetermined card information registration is made through the system, it is characterized in that it is used for daily employee salary processing according to the present invention.

According to another exemplary embodiment of the present invention, the daily employee dedicated card information may be a credit card, a check card, a debit card, or a cash card information issued by the daily worker.

According to an embodiment of the present invention, the storage medium 1830 is preferably provided in a DBMS on a financial system provided on the card information registration system (or associated with the card information registration system). The storage medium 1830 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1830 is provided on (or associated with) the card information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 1800 provided on the card information registration system according to the present invention is a generic term for the components of the card information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a teller terminal 1835 connected to a predetermined financial network, the information registration server 1800 is connected to the teller terminal 1835 via a predetermined financial network. It may be a ledger server provided on the financial system, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, whereby the present invention is not limited thereto. .

According to an embodiment of the present invention, the information registration server 1800 is characterized in that it comprises an interface unit 1805 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 1835 connected to a predetermined financial network, the interface unit 1805 is based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a communication channel 1835 and a predetermined communication channel and using a communication protocol defined in a financial transaction related program included in the window terminal 1835. Do.

Referring to FIG. 18, the information registration server 1800 cooperates with the interface unit 1805 when a predetermined information registration terminal accesses the information registration server 1800 through the interface unit 1805. An interface providing unit 1810 for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending predetermined daily worker card registration information from a registration terminal to the information registration terminal; And an information receiving unit 1815 for receiving predetermined daily employee card registration information transmitted from the information registration terminal through the user interface (1805) and the received daily employee card registration information. Validation unit 1820 for checking the validity, and the daily labor included in the daily employee card registration information confirmed validity Treatment chair to open the only card information and payment account information based virtual private and is characterized in that formed in an information storage unit 1825 which stores a predetermined storage medium (1830).

The interface providing unit 1810 registers the daily worker card in response to a function configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 1800 through the interface unit 1805. Generate a predetermined user interface that can input (or select) information and transmit it to the information registration server 1800 through the financial network, or extract from a predetermined database (not shown), and the interface unit 1805. And providing the generated (or extracted) user interface to the information registration terminal through the financial network.

Thereafter, the information registration terminal inputs (or selects) one-time worker card registration information including at least one of the one-time worker-only card information and payment-only virtual account information based on the user interface, and inputs (or selects) the information. The daily worker card registration information is transmitted to the information registration server 1800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 1835 connected to a predetermined financial network, the interface providing unit 1810 may be a financial transaction related program provided in the window terminal 1835. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the window terminal 1835 through the interface unit 1805.

The information receiving unit 1815 inputs (or selects) the daily worker card registration information including at least one daily employee dedicated card information and payment dedicated virtual account information through the user interface in the information registration terminal to establish the financial network. When transmitting through the interface unit 1805, the daily worker card registration information is received in conjunction with the interface unit 1805, and provides the received daily worker card registration information to the validity check unit 1820.

The validity confirming unit 1820 is characterized in that whether the daily employee card registration information received from the information registration terminal satisfies the validity for the salary processing through the dedicated employee card.

According to the implementation method of the present invention, the validity check of the daily employee card registration information, the virtual account opening system shown in FIG. 10 or 13 in the ledger D / B on the financial system associated with the card information registration system It is preferable to include whether the virtual account ledger corresponding to the payment-only virtual account matching the daily employee information included in the daily worker card registration information of at least one or more payment-only virtual account registered through the .

In addition, the validity of the daily employee card registration information is checked on the daily employee owned card matching the daily employee information contained in the daily employee card registration information in the ledger D / B on the financial system associated with the card information registration system Including checking whether a corresponding card ledger (e.g., a card ledger corresponding to a credit card, a card ledger corresponding to a check card, or a card ledger corresponding to a debit card, a card ledger corresponding to a cash card) is provided. Can be done.

According to another exemplary embodiment of the present invention, the validation of the daily worker card registration information may include: a predetermined storage medium 1830 for storing at least one or more daily employee dedicated card information held by a company employing the daily worker; In connection with each other, it may include comparing the daily worker dedicated card information and business information stored in the storage medium 1830 and the daily worker dedicated card information included in the daily worker card registration information provided by the daily worker.

Here, the one-time worker dedicated card, the operator is issued (or provided) at least one or more from the predetermined card issuing agency for the one-time worker salary processing through the one-time worker dedicated card according to the present invention, at least employed by the business It is characterized by providing (or renting) to one or more daily workers.

When the validity of the daily worker card registration information is confirmed, the information storage unit 1825 uses the daily worker information included in the daily worker card registration information to use the daily worker dedicated card information and the payment-only virtual account information. Characterized in that the storage medium 1830 is stored in the storage medium 1830, the storage medium 1830 is provided in the information registration server 1800, or is provided on the network associated with the information registration server 1800 In this case, the information storage unit 1825 associates the daily worker exclusive card information with the payment virtual account information by using the daily worker information included in the received daily worker card registration information to the storage medium 1830. Preferably, the storage medium 1830 is stored in the DBMS provided on the financial system. The unit 1825 uses the daily worker information included in the received daily employee card registration information to provide the daily employee dedicated card information and the payment virtual account information to the information system through an external system on the financial system. Can be stored in the DBMS provided in.

19 is a diagram showing the configuration of daily employee card registration information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for pay processing through the dedicated employee card according to one embodiment of the present invention.

In more detail, in FIG. 19, when the storage medium 1830 illustrated in FIG. 18 is a ledger D / B provided in a DBMS on a financial system, the daily worker is included in the ledger information provided in the ledger D / B 1000. As the information structure for an embodiment of the present invention for storing and processing the daily employee dedicated card information and the payment virtual account information by using the daily employee information included in the card registration information, in the technical field to which the present invention belongs Those skilled in the art will be able to infer various information construction methods for storing the daily employee card registration information in the ledger D / B by referring to or modifying the drawing 19. However, the present invention provides all the inferred embodiments. It includes a method, and is not limited to the embodiment method shown in FIG.

Referring to FIG. 19 according to an embodiment of the present invention, the virtual account ledger corresponding to the paid virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 10 or 13 may be the daily worker. It is processed in connection with the account ledger corresponding to the operator account that employs the account, characterized in that provided in the ledger D / B on the financial system, the account ledger corresponding to the operator account is linked to a predetermined customer ledger corresponding to the operator Characterized in that it is processed.

Here, the customer ledger corresponding to the business operator is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code. , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Including at least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code It is preferable to make.

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

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

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

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the operator account, the virtual account ledger information is the mother account information associated with the virtual account and the ledger provided on the financial system It is preferable to include at least one ledger information to be included in the account ledger provided in the D / B (or the virtual account to be equipped to process at least one or more financial transactions requested by the daily worker).

In addition, the customer ledger corresponding to the daily employee is a customer information file (CIF) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, trade name, classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage , Parent company number. At least one country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code It is preferable.

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

According to the implementation method of the present invention, when the customer account of the daily employee name is opened on the financial system, the account ledger corresponding to the customer account is associated with the customer ledger in a relational manner, and the account number, CIF number, point number, currency , Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date At least one or more of the ledger information including at least one final payment amount, final withdrawal amount, unpaid number of transactions, interest rate accounting, consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. Periodic received information including at least one or more of an account number corresponding to the account ledger, abstention (months), period (days), period extension, expiration date and the target amount; Trust reception information including at least one or more of the account number, the amount of trust, the par value, the pension date, and the number of shares corresponding to the ledger, or the account number, transaction number, date, point number, product type, transaction type, It includes transaction history information including at least one of cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

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

When a card including at least one check card (or debit card) is issued to the daily worker according to the method of the present invention, the card ledger corresponding to the check card (or debit card) corresponds to the daily worker. And at least one account ledger (e.g., check card linked account ledger, or debit card linked account ledger) of the account ledger is relationally processed, the card ledger corresponding to the check card (or debit card) is Card information including a card number, an expiration date, and the like corresponding to the check card (or debit card).

When a card including at least one credit card is issued to the daily worker according to the method of the present invention, the card ledger corresponding to the credit card is processed in a relational manner with the customer ledger corresponding to the daily worker. The card ledger corresponding to the credit card includes card information including a card number corresponding to the credit card, an expiration date, and the like.

20 is a diagram illustrating a process of registering daily employee card registration information in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 20, the information registration server 1800 on the card information registration system shown in FIG. 18 functions as a ledger server (not shown) on the financial system linked to the counter terminal 1835 through a predetermined financial network. In this case, the counter terminal 1835 is connected to the information registration server 1800 and connected to the communication channel for registration of card information dedicated to the daily worker according to the present invention, the information registration through the communication channel One-time worker-only card information (or the one-time worker) corresponding to the one-time worker information, the payment virtual account information, and a predetermined one-day worker dedicated card provided by the company employing the one-time worker to the server 1800 Cards owned by the company (e.g., credit cards, check cards, debit cards, or cash cards) In the case of transmitting the daily worker card registration information including the card information corresponding to the daily worker owned card), the information registration server 1800 uses the daily worker information included in the received daily worker card registration information. In the technical field to which the payment virtual account information and the dedicated employee information card dedicated to the day-to-day processing to store in a predetermined storage medium 1830 (or ledger D / B on the financial system), Those skilled in the art will be able to infer various implementation methods for registering the daily employee card registration information from the terminal 1835 to the information registration server 1800 by referring to or modifying the drawing 20. 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. 20, the window terminal 1835 shown in FIG. 18 is called "terminal" for convenience, and the information registration server 1800 shown in FIG. 18 is called "server" for convenience, and the window terminal ( The daily worker information, the payment virtual account information, and the daily worker dedicated card information transmitted from the 1835 to the information registration server 1800 are referred to as "daily worker card registration information" for convenience.

Referring to FIG. 20, a window terminal 1835 shown in FIG. 18 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the daily worker card registration information, and the daily worker. When requesting registration of the daily worker card registration information for salary processing through a dedicated card (2000), the server generates (or extracts) a predetermined information registration interface for registering the daily worker card registration information (2005). In operation 2010, the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) daily employee card registration information including at least one or more daily employee information, payment virtual account information, and daily employee dedicated card information in the terminal. It is preferred to include an interface.

Thereafter, the terminal inputs (or selects) the daily worker card registration information including at least one daily worker information, payment virtual account information, and daily worker exclusive card information through the information registration interface (2015).

If the terminal receives (or selects) the daily worker card registration information including the daily worker information, the payment virtual account information, and the daily worker dedicated card information through the information registration interface (2020), the terminal is connected to the financial network. The daily worker card registration information including the daily worker information, the payment virtual account information, and the daily worker dedicated card information is transmitted to the server through the server (2025).

Thereafter, the server receives and reads the daily worker information, the payment virtual account information, and the daily worker exclusive card information through the financial network to confirm the validity of the daily worker card registration information (2030).

According to the method of the present invention, the validity check of the daily employee card registration information, the virtual account shown in Figure 10 or 13 in the ledger D / B 1100 on the financial system associated with the card information registration system Among the at least one payment virtual account registered through the establishment system, it is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the daily worker information included in the daily worker card registration information is provided. Do.

If the validity of the daily worker card registration information is not authenticated (2035), the server generates predetermined information registration error information and transmits it to the terminal (2040), and registers the information corresponding to the daily worker card registration information. Do not perform the procedure.

On the other hand, if the validity of the daily worker card registration information is authenticated (2035), the server performs an information registration procedure corresponding to the daily worker card registration information, by using the daily worker information using the payment virtual account information and daily work Worker-only card information is cooperatively processed and stored in a predetermined storage medium 1830 (or ledger D / B on a financial system) (2045).

According to an embodiment of the present invention, the storage medium 1830 is preferably provided in a DBMS on a financial system provided on the card information registration system (or associated with the card information registration system). The storage medium 1830 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1830 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2050), thereby completing the procedure of registering the daily worker card registration information transmitted from the terminal.

21 is a diagram illustrating a non-face-to-face card information registration system for payroll processing through a dedicated employee card according to another embodiment of the present invention.

In more detail, Figure 21 shows that after a virtual account dedicated to salary payment is opened in the name of a predetermined daily worker through the virtual account opening system shown in Figure 10 or Figure 13, the daily worker from the employer employing the daily worker One-time worker-only card information corresponding to the given one-time worker-only card (or a card owned by the one-time worker (for example, a credit card, a check card, or a debit card, or a cash card) is converted into a one-time worker-only card. In the case of providing the daily employee card registration information including the card information corresponding to the daily employee owned card) and the payment virtual account information to the card information registration system through a predetermined information registration interface, the card information registration system The above information contained in the provided daily employee card registration information. Regarding the system configuration for linking the payment virtual account information and the daily worker dedicated card information using the daily worker information to store in a predetermined storage medium 2130,

Persons of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 21 to infer various implementation methods for the configuration of a card information registration system for payroll processing through a dedicated employee card. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing daily worker card registration information provided from the daily worker on the storage medium 2130 through a predetermined information registration interface on the card information registration system shown in FIG. 21. The corresponding component is referred to as " information registration server 2100 " for convenience.

Referring to this figure 21 according to the embodiment of the present invention, the card information registration system for payroll processing through a dedicated employee card according to the present invention, including at least one wired terminal or a wireless terminal used by the one-time worker And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal communicates with an information registration server 2100 provided on the card information registration system through a predetermined network means. This is connected.

According to one embodiment of the present invention, the daily worker accesses the information registration server 2100 through at least one client terminal of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Input (or select) daily employee card registration information for salary processing through the daily employee dedicated card according to the present invention through at least one user interface provided by the information registration server 2100, a predetermined network in the client terminal It is preferable to transmit to the information registration server 2100 provided on the card information registration system through the means.

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

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

In addition, the information registration server 2100 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the client terminal and the network means, or the information registration. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 2100 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless network, depending on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

The client terminal may output at least one user interface provided by the information registration server 2100, input or select at least one information through the user interface, and transmit the same to the information registration server 2100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 2100, etc.) is provided.

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

In the card information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the daily worker, and at least one wired network connecting the client terminal and the information registration server 2100 or The wireless network performs a function of an information registration interface for the daily workers to register the daily workers card registration information for the salary processing through the daily workers dedicated card according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the card information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information registration server 2100. ) Is connected to the financial network performs the function of the information registration interface for registering the daily worker card registration information for the day-to-day worker's salary processing through the dedicated employee card according to the present invention, or the information registration terminal is In the case of a call terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 2100 is a one-time worker according to the present invention. The information registration interface for registering the daily worker's card registration information for the salary processing through the worker's card The terminal (or server) (not shown) and the terminal (or server) when the terminal (or server) (not shown) is provided in an institution affiliated with the financial institution that is the information registration terminal. (Not shown) and the network connecting the information registration server 2100 has a function of the information registration interface for registering the daily worker card registration information for the salary processing through the daily worker dedicated card according to the present invention To perform.

The storage medium 2130 provided on the card information registration system according to the present invention uses the one-time worker information included in the one-time worker card registration information provided from the information registration terminal. The exclusive card information is linked and stored in a predetermined storage medium 2130.

Here, the daily worker information, the daily worker information, the daily employee personal information (for example, daily worker name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) to apply for the opening of the payroll dedicated virtual account It is characterized by being made.

In addition, the card information dedicated to the daily worker includes a kind of employee card (or membership card or membership card, etc.) number that the employer employing the daily worker pays the daily worker, and registers the card information shown in FIG. After the predetermined card information registration is made through the system, it is characterized in that it is used for daily employee salary processing according to the present invention.

According to another exemplary embodiment of the present invention, the daily employee dedicated card information may be a credit card, a check card, a debit card, or a cash card information issued by the daily worker.

According to an embodiment of the present invention, the storage medium 2130 is preferably provided in a DBMS on a financial system provided on the card information registration system (or associated with the card information registration system). The storage medium 2130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2130 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 2100 provided on the card information registration system according to the present invention is a generic term for the components of the card information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 2100 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 2100 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 2100 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 2100 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to the embodiment of the present invention, the information registration server 2100 is characterized in that it comprises an interface unit 2105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 2105 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. can do.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2105 connects a communication channel with the client terminal based on the TCP / IP protocol, The HTTP protocol defined in the browser program may be used to provide a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 2100 (eg, an internet banking program), the interface unit 2105 communicates with the client terminal based on the TCP / IP protocol. A channel may be connected and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 2105 is based on the protocol stack defined in the financial network. A communication interface may be provided for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 2105 is based on a protocol stack defined in the wireless network. A communication interface may be provided for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 2100, the interface unit 2105 may be connected to the client terminal based on the CDMA protocol. The communication channel may be connected and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2105 is a voice call defined in the wired telephone network or a wireless telephone network. The communication terminal may connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 2105 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provide a communication interface for transmitting and receiving information based on voice recognition. Can be.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2105 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 21, when the predetermined information registration terminal is connected to the information registration server 2100 through the interface unit 2105, the information registration server 2100 cooperates with the interface unit 2105 to provide the information. An interface providing unit 2110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending predetermined daily worker card registration information from a registration terminal to the information registration terminal, and the interface unit ( 2105, an information receiving unit 2115 for receiving predetermined daily employee card registration information input (or selected) and transmitted from the information registration terminal through the user interface, and included in the received daily employee card registration information. The payment virtual account information and the one-time worker dedicated card information are linked and processed using the one-time worker information. Characterized in that formed in an information storage unit (2125) for storing in the storage medium (2130).

The interface providing unit 2110 registers the daily worker card in response to a function configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 2100 through the interface unit 2105. Generate a predetermined user interface which can input (or select) information and transmit it to the information registration server 2100 via the network means, or extract from a predetermined database (not shown), and the interface unit 2105 And the user interface generated (or extracted) to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) one-time worker card registration information including at least one of the one-time worker information, the payment virtual account information, and the one-time worker dedicated card information based on the user interface, and the input ( Or the selected one-time worker's card registration information is transmitted to the information registration server 2100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 2110 is provided in the client terminal. A user interface that can be provided as a browser program or a communication program may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 2110 may be provided by a financial transaction related program provided in the financial automation device. A predetermined user interface may be generated (or extracted), and the generated (or extracted) user interface may be provided to the automated teller machine through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 2110 may use a browser program or communication provided in the client terminal. A predetermined user interface that can be provided by a program may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 2110 may be provided to the call terminal (not shown). A user interface may be generated (or extracted), and the generated (or extracted) user interface (eg, ARS-based user interface) may be provided to the call terminal (not shown) through the interface unit 2105. have.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 2110 is connected to the wired terminal (or two-way digital TV). A predetermined user interface that can be provided may be generated (or extracted) and the generated (or extracted) user interface may be provided to the wired terminal (or an interactive digital TV) through the interface unit 2105.

The information receiving unit 2115 inputs (or selects) daily worker card registration information including at least one daily worker information, payment virtual account information, and daily worker exclusive card information through the user interface at the information registration terminal. When transmitting through a network means, it is characterized in that for receiving the daily worker card registration information in conjunction with the interface unit 2105, and provides the received daily worker card registration information to the validity check unit 2120.

The validity confirming unit 2120 is characterized in that whether the information of the daily worker card registration information received from the information registration terminal satisfies the validity for the salary processing through the dedicated worker card.

According to the method of the present invention, the validity check of the daily employee card registration information, the virtual account opening system shown in FIG. 7 or 10 in the ledger D / B on the financial system associated with the card information registration system Among the at least one payment virtual account registered through, it is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the daily worker information included in the daily worker card registration information is preferably provided.

When the validity of the daily worker card registration information is confirmed, the information storage unit 2125 processes the payment virtual account information and the daily worker dedicated card information using the daily worker information included in the daily worker card registration information. When the storage medium 2130 is provided in the information registration server 2100 or on a network associated with the information registration server 2100, the storage medium 2130 is stored in the storage medium 2130. The information storage unit 2125 uses the daily worker information included in the received daily worker card registration information to process the payment virtual account information and the daily worker dedicated card information in the storage medium 2130. Preferably, when the storage medium 2130 is provided in the DBMS provided on the financial system, the information storage unit 2125 is the The payment virtual account information and the daily worker dedicated card information are provided to the information system through the external system of the financial system using the daily worker information included in the received daily worker card registration information and stored in a DBMS provided on the financial system. It is preferable.

22 is a diagram showing the configuration of daily employee card registration information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for pay processing through the dedicated employee card according to one embodiment of the present invention.

In more detail, in FIG. 22, when the storage medium 2130 shown in FIG. 21 is a ledger D / B provided in a DBMS on a financial system, the daily employee card registration information is included in the ledger information provided in the ledger D / B. As an information structure for an implementation method of linking and storing the payment virtual account information and the one-time worker dedicated card information using the one-time worker information included in the present invention, general knowledge in the technical field to which the present invention pertains is described. If you have, it will be able to infer various information configuration methods for storing the daily employee card registration information in the ledger D / B by referring to or modified in this figure 22, the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 22 according to an embodiment of the present invention, the virtual account ledger corresponding to the paid virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 10 or FIG. 13 is the daily worker. It is processed in connection with the account ledger corresponding to the operator account that employs the account, characterized in that provided in the ledger D / B on the financial system, the account ledger corresponding to the operator account is linked to a predetermined customer ledger corresponding to the operator Characterized in that it is processed.

Here, the customer ledger corresponding to the business operator may include a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a daily worker, a customer address, a regional classification code, a telephone number, a business number, a business name, and a classification. Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage , Parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, the account ledger corresponding to the operator account is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI Balance 2, Bank account balance, Bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment It includes account ledger information including at least one of interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, and includes account number, abstention (month), period (days), Periodic reception information including at least one term extension, maturity date and target amount, or at least one account number corresponding to the account ledger, amount of trust, par value, pension date and number of shares Is the trust reception information, or the account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line, It includes transaction history information including at least one or more brief, CIF, and the like.

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

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the operator account, the virtual account ledger information is the mother account information associated with the virtual account and the ledger provided on the financial system It is preferable to include at least one ledger information to be included in the account ledger provided in the D / B (or the virtual account to be equipped to process at least one or more financial transactions requested by the daily worker).

In addition, the customer ledger corresponding to the daily employee is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, daily employee customer name, customer address, regional classification code, telephone number, business number, business name, Classification code, expiration date, status information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, Usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

According to an embodiment of the present invention, the virtual system may be virtualized through the card issuing system shown in FIG. When a customer account of the voucher subject) who has been issued a dedicated employee card) associated with the account is opened, the account ledger corresponding to the customer account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency , Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date At least one final payment amount, the final withdrawal amount, the number of unpaid transactions, interest rate accounting, consolidation, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation It includes the account ledger information, including the account number, abstention (months), period (days), period extension, expiration date and the target amount corresponding to the account ledger, or at least one of the periodic receipt information, or the account Trust reception information including at least one or more of the account number, the amount of trust, the par value, the pension date, and the number of shares corresponding to the ledger, or the account number, transaction number, date, point number, product type, transaction type, It includes transaction history information including at least one of cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

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

According to the method of the present invention, when a daily worker card including at least one check card (or debit card) is issued to the daily worker, the card ledger corresponding to the check card (or debit card) is assigned to the daily worker. At least one of the corresponding account ledgers (e.g., check card linked account ledger, or debit card linked account ledger) is characterized in that the relationship is processed in relation to the card ledger corresponding to the check card (or debit card) The payment card information includes a card number, an expiration date, etc. corresponding to the check card (or debit card).

When a card including at least one credit card is issued to the daily worker according to the method of the present invention, the card ledger corresponding to the credit card is processed in a relational manner with the customer ledger corresponding to the daily worker. The card ledger corresponding to the credit card includes payment card information including a card number corresponding to the credit card, an expiration date, and the like.

According to an embodiment of the present invention, a customer ledger corresponding to a daily worker who has been issued a dedicated daily worker dedicated card associated with the virtual account ledger through the card issuing system shown in FIG. 16 corresponds to the daily worker dedicated card. It is characterized in that the card ledger to be processed in relation to the relationship, the card ledger corresponding to the daily employee dedicated card is made including a daily employee dedicated card number corresponding to the daily employee dedicated card.

FIG. 23 is a diagram illustrating a process of registering daily worker card registration information in a non-face-to-face manner for salary processing through a dedicated employee card according to one embodiment of the present invention.

In more detail, in FIG. 23, when the information registration server 2100 on the card information registration system shown in FIG. 22 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 2100 and connecting a communication channel for information registration according to the present invention, through the communication channel to the information registration server 2100 the daily employee information and payment virtual account information and the daily job One-time worker-only card information (or a card owned by the one-time worker (e.g., a credit card, a check card, or a debit card) corresponding to a predetermined one-time worker-only card provided by the employee employing the one-time worker. If the cash card) is used as a dedicated employee card, And sending the daily employee card registration information including the corresponding card information), the information registration server 2100 uses the daily employee information included in the received daily employee card registration information, and the payment virtual account information and the daily job. An embodiment of the present invention relates to an embodiment of a method of linking and processing worker-only card information in a predetermined storage medium 2130. Those skilled in the art to which the present invention pertains may refer to or modify the present invention. In the information registration server 2100 may be inferred various implementation methods for registering the daily worker card registration information, but the present invention includes all the implementation methods inferred, by the implementation method shown in FIG. It is not limited.

Hereinafter, in FIG. 23, the client terminal shown in FIG. 21 is referred to as "terminal" for convenience, and the information registration server 2100 shown in FIG. 21 is called "server" for convenience, and the information registration is performed in the client terminal. The daily worker information, the payment virtual account information and the daily worker dedicated card information transmitted to the server 2100 is referred to as "daily worker card registration information" for convenience.

Referring to FIG. 23, when the client terminal shown in FIG. 21 is a predetermined network means (e.g., the client terminal is a wired terminal 2135), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 2140. Is connected to the server through a CDMA-based mobile communication network or an IEEE 802.16x-based portable Internet, etc., and connects a predetermined communication channel for registering the daily worker card registration information, and the salary through the daily worker dedicated card. When requesting registration of the daily worker card registration information for processing (2300), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the daily worker card registration information (2305), The generated (or extracted) web page is transmitted to the terminal through the communication channel and output (2310).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) daily employee card registration information including at least one or more daily employee information, payment virtual account information, and daily employee dedicated card information in the terminal. It is preferred to include an interface.

In addition, the web page transmission or output process is preferably performed at least once according to the daily employee card registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) daily worker card registration information including at least one daily worker information, payment virtual account information, and daily worker dedicated card information through the information registration interface (2315).

If the terminal receives (or selects) daily worker card registration information including the daily worker information, the payment virtual account information, and the daily worker dedicated card information through the information registration interface (2320), the terminal receives the communication channel. The input (or selection) of the daily employee information, the payment virtual account information and the daily employee dedicated card information is transmitted to the server (2325).

According to an embodiment of the present invention, the one-time worker information, the payment virtual account information and the one-time worker dedicated card information inputted through the communication channel to the server may be input through the information registration interface ( Alternatively, the method may further include transmitting the electronic signature or encryption to the server through the security module provided in the terminal.

Thereafter, the server receives and reads the daily worker information, the payment virtual account information, and the daily worker dedicated card information through the communication channel to check the validity of the daily worker card registration information (2330).

According to an embodiment of the present invention, checking the validity of the daily employee card registration information is that if the daily employee card registration information is electronically signed or encrypted through the security module provided in the terminal, the daily employee card registration Decrypting the information, or may further comprise decoding the daily worker card registration information.

According to the method of the present invention, the validity check of the daily employee card registration information, the virtual account opening system shown in FIG. 7 or 10 in the ledger D / B on the financial system associated with the card information registration system Among the at least one payment virtual account registered through, it is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the daily worker information included in the daily worker card registration information is preferably provided.

If the validity of the daily worker card registration information is not authenticated (2335), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2340), and the daily worker card registration information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the daily worker card registration information is authenticated (2335), the server performs an information registration procedure corresponding to the daily worker card registration information, by using the daily worker information using the payment virtual account information and daily work Worker-only card information is linked and stored in a predetermined storage medium 2130 (2345).

According to an embodiment of the present invention, the storage medium 2130 may be provided in a DBMS on a financial system provided on the card information registration system (or associated with the card information registration system), wherein the storage The medium 2130 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2130 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the card information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2350), thereby completing the procedure of registering the daily worker card registration information transmitted from the terminal.

24 is a diagram illustrating a face-to-face business information registration system for payroll processing through a dedicated employee card according to one embodiment of the present invention.

More specifically, FIG. 24 is provided with a dedicated employee card according to the present invention through the card issuing system shown in FIG. 7 or 16, or the information registration system shown in FIG. 18 or 21. In the technical field to which the present invention pertains to an information registration system for registering the business information for processing the daily employee's salary using the dedicated employee card, Those skilled in the art may refer to or modify this drawing 24 to infer various implementation methods for the construction of a company information registration system for processing the salary of the daily worker using the daily worker dedicated card. The invention encompasses all implementation methods inferred from the above. It shall not be limited to the exemplary method shown in 24.

Hereinafter, on the information registration system shown in FIG. 24, at least one or more business information provided from a company employing at least one or more one-time workers through a predetermined information registration interface is stored and registered in a predetermined storage medium 2430. Components corresponding to at least one or more means or functional configurations are referred to as " information registration server 2400 " for convenience.

Referring to this figure 24 according to an embodiment of the present invention, a system for registering business information for salary processing through a dedicated employee card according to the present invention includes a teller terminal 2435 provided at at least one financial institution branch. And an information registration terminal, wherein the information registration terminal is connected to a communication channel with an information registration server 2400 provided on the information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, an employer employing at least one daily employee may visit the financial institution branch for salary processing through a dedicated employee card according to the present invention, and open a window provided at the financial institution branch. At least one application (eg, at least one of which is used by the business operator to process the salary of the daily worker through a daily worker dedicated card) A document with a form for filling out an information item) and submitting the completed application to the counter clerk, the counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal 2435. The terminal 2435 transmits the input (or selected) information through the financial network. It is desirable to transmit the information to the registration server 2400 provided on the group information registration system.

Here, the teller terminal 2435 preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 2400 connected to the teller terminal 2435 is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal 2435 and the information registration server 2400 is the communication between the teller terminal 2435 and the information registration server 2400 It is preferable to include a network for connecting the channels.

In the operator information registration system as described above, an application created by the operator and a financial network connecting the teller terminal 2435 and the teller terminal 2435 and the information registration server 2400 used by the teller are as described above. A business person employing at least one daily worker performs a function of an information registration interface for registering business information for processing the salary of the daily worker into a dedicated card for the daily worker.

The storage medium 2430 provided on the business information registration system according to the present invention includes the business name, business address, business registration number, representative, telephone number, business operator included in the business registration information provided from the information registration terminal. A unique code (for example, a unique code given by a national agency or a public agency or a public corporation), and a unique number of a daily worker's insurance payment amount processing terminal device are stored in association with the operator account information.

Here, the daily employee insurance payment amount processing terminal unique number is provided at the main office (or branch) of the operator, input through the daily employee card information read from the daily employee card and a predetermined key input It characterized in that it comprises a device serial number assigned to the daily employee insurance payment amount processing terminal device for transmitting the salary information of the daily worker to the server (for example, the salary processing server, etc.) on the network.

Preferably, the operator account information includes at least one or more account numbers and account holder information for the operator account, which are already established in the ledger D / B on the financial system, and accounts for which the wages of the daily workers are withdrawn. It is characterized by that.

According to an embodiment of the present invention, the storage medium 2430 may be provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium ( 2430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2430 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 2400 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a teller terminal 2435 connected to a predetermined financial network, the information registration server 2400 is connected to the teller terminal 2435 through a predetermined financial network. It may be a ledger server provided on the financial system, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, whereby the present invention is not limited thereto. .

According to an embodiment of the present invention, the information registration server 2400 is characterized in that it comprises an interface unit 2405 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 2435 connected to a predetermined financial network, the interface unit 2405 may be configured as the window terminal (based on the protocol stack defined in the financial network). 2435) and a predetermined communication channel, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 2435. Do.

Referring to FIG. 24, when the predetermined information registration terminal is connected to the information registration server 2400 through the interface unit 2405, the information registration server 2400 interworks with the interface unit 2405 to provide the information. An interface providing unit 2410 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined business registration information from the registration terminal to the information registration terminal; and the interface unit 2405. And an information receiving unit 2415 that receives predetermined business registration information that is input (or selected) and transmitted from the information registration terminal through the user interface, and validates validity of the received business registration information. The unit 2420 and the operator information included in the business registration information of the confirmed validity and the operator account information in a predetermined process by linking And an information storage unit (2425) for storing the sheet medium (2430) is characterized in that formed.

In addition, the information registration server 2400 is provided with a daily employee insurance payment amount processing terminal device for reading predetermined card information from the daily employee dedicated card for salary processing using the dedicated daily employee dedicated card according to the present invention, It may be configured to further include an information generating unit for generating a predetermined operator-specific code assigned to the operator performing the business registration.

Here, the operator specific code generated and assigned through the information generation unit may correspond to, for example, an affiliate store code of a credit card affiliate store.

The interface providing unit 2410, when a predetermined information registration terminal is connected to the information registration server 2400 through the interface unit 2405, the operator registration information corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface that can be input (or selected) and transmitted to the information registration server 2400 through the financial network, or extract from a predetermined database (not shown), and interwork with the interface unit 2405. And provide the generated (or extracted) user interface to the information registration terminal through the financial network.

Subsequently, the information registration terminal inputs (or selects) business registration information including at least one of the business information and business account information based on the user interface, and inputs the entered (or selected) business registration information. The information registration server 2400 is transmitted through a financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 2435 connected to a predetermined financial network, the interface providing unit 2410 is a financial transaction related program provided in the window terminal 2435. A user interface that can be provided may be generated (or extracted), and the generated (or extracted) user interface may be provided to the counter terminal 2435 through the interface unit 2405.

The information receiving unit 2415 inputs (or selects) business registration information including at least one of business information and business account information through the user interface and transmits the information through the financial network through the user interface. In operation 2405, the operator registration information may be received. The received operator registration information may be provided to the validity confirming unit 2420.

The validity confirming unit 2420 is characterized by checking whether the business registration information received from the information registration terminal satisfies the validity for the operator to perform the salary processing through the dedicated employee card according to the present invention.

According to the implementation method of the present invention, the validity confirmation of the business registration information, the account ledger corresponding to the business account included in the business registration information in the ledger D / B on the financial system associated with the business information registration system is provided This can be done including checking if there is.

In addition, with reference to the customer ledger associated with the business account ledger, at least one or more business information included in the business registration information (for example, business name, business address, business registration number, representative, telephone number, business unique code (eg , Etc.), etc.), to ensure that they are identical.

When the validity of the business registration information is confirmed, the information storage unit 2425 is characterized in that stored in the storage medium (2430) by integrating the business information contained in the business registration information and the business account information. When the storage medium 2430 is provided in the information registration server 2400 or on the network associated with the information registration server 2400, the information storage unit 2425 may receive the received business registration information. Preferably, the information stored in the storage medium 2430 is linked to the service provider information and the service provider account information included in the storage medium 2430. When the storage medium 2430 is provided in a DBMS provided on a financial system, the information storage is performed. The unit 2425 provides the business information and the business account information included in the received business registration information to an information system through an external system on the financial system. It can be stored in a DBMS provided on the open financial system.

In addition, when an operator-specific code corresponding to the operator is generated through the information generator, the information storage unit 2425 may further process the generated operator-specific code in association with the operator information and the operator account information to store the storage medium. (2430).

25 is a diagram illustrating a face-to-face business information registration process for payroll processing through a dedicated employee card according to an embodiment of the present invention.

In more detail, in FIG. 25, the information registration server 2400 on the operator information registration system shown in FIG. 24 provides a ledger server (not shown) function on the financial system linked to the counter terminal 2435 through a predetermined financial network. In this case, the counter terminal (2435) is connected to the information registration server 2400, the communication channel for registration of the company information to process the salary of the daily workers according to the present invention through a dedicated card for dedicated daily workers After the connection, and transmits the business registration information including the business information and the business operator information to the information registration server 2400 via the communication channel, the received business registration in the information registration server 2400 The business information included in the information and the business account information are linked to each other and stored in a predetermined storage medium 2430 (or ledger D / B on a financial system). As for those skilled in the art to which the present invention pertains, the operator registration information is referred to or modified from the counter terminal 2435 to the information registration server 2400 by referring to or modifying the drawing 25. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in this drawing, the window terminal 2435 shown in Fig. 24 is referred to as a "terminal" for convenience, and the information registration server 2400 shown in Fig. 24 is referred to as a "server" for convenience, and the window terminal ( The operator information and the operator account information transmitted from the 2435 to the information registration server 2400 are referred to as "business registration information" for convenience.

Referring to FIG. 25, a window terminal 2435 shown in FIG. 24 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the business registration information, and uses the dedicated employee card. If the business operator who wants to process the salary of the daily worker through the request (2500), the server generates (or extracts) a predetermined information registration interface for registering the business registration information ( 2505), the information registration interface generated (or extracted) is transmitted to the terminal through the communication channel and output (2510).

According to an exemplary embodiment of the present invention, the information registration interface preferably includes a user interface for inputting (or selecting) business registration information including at least one of the business information and business account information.

Thereafter, the terminal inputs (or selects) business registration information including at least one or more business information and business account information through the information registration interface (2515).

If the terminal registers (or selects) the operator registration information including the operator information and the operator account information through the information registration interface (2520), the terminal enters the operator (or selected) through the financial network. Business registration information including information and business account information is transmitted to the server (2525).

Thereafter, the server receives and reads the operator information and the operator account information through the financial network to check the validity of the operator registration information (2530).

According to the implementation method of the present invention, the validity confirmation of the business registration information, the account ledger corresponding to the business account included in the business registration information in the ledger D / B on the financial system associated with the business information registration system is provided This can be done including checking if there is.

In addition, with reference to the customer ledger associated with the business account ledger, at least one or more business information included in the business registration information (for example, business name, business address, business registration number, representative, telephone number, business unique code (eg , Etc.), etc.), to ensure that they are identical.

If the validity of the operator registration information is not authenticated (2535), the server generates predetermined information registration error information and transmits it to the terminal (2540), and does not perform an information registration procedure corresponding to the operator registration information. Do not.

On the contrary, if the validity of the business registration information is authenticated (2535), the server performs an information registration procedure corresponding to the business registration information, thereby linking the business information and the business account information to a predetermined storage medium 2430. (Or ledger D / B on the financial system) (2545).

According to one embodiment of the invention, the storage medium 2430 is preferably provided in a DBMS on a financial system provided on the operator information registration system (or associated with the business information registration system), wherein the The storage medium 2430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2430 is one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the operator information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2550), thereby transmitting the business registration information transmitted from the terminal to the storage medium 2430 (or ledger D / B on a financial system). Complete the procedure to save and register.

FIG. 26 is a diagram illustrating a non-face-to-face business information registration system for payroll processing through a dedicated employee card according to another embodiment of the present invention.

More specifically, the present invention is shown in FIG. 26 through the card issuing system shown in FIG. 7 or FIG. 16. In the technical field to which the present invention pertains to an information registration system for registering the business information for processing the daily employee's salary using the dedicated employee card, Those skilled in the art will be able to infer various implementation methods for the construction of a company information registration system for processing the salary of the daily worker using the daily worker dedicated card by referring to or modifying the drawing 26. The invention encompasses all implementation methods inferred from the above. It is not limited to the implementation method shown on page 26 only.

Hereinafter, at least one or more means for storing, on the storage medium 2630, business registration information provided from a business person employing at least one or more daily workers through a predetermined information registration interface on the card information registration system shown in FIG. Alternatively, the component corresponding to the functional configuration is referred to as "information registration server 2600" for convenience.

Referring to FIG. 26 according to an embodiment of the present invention, a company information registration system for payroll processing through a dedicated employee card according to the present invention includes at least a wired terminal or a wireless terminal used by a company employing the daily worker. And an information registration terminal including at least one or more client terminals, and the like, wherein the information registration terminal is provided on the operator information registration system through a predetermined network means. ) And the communication channel are connected.

According to an embodiment of the present invention, the operator accesses the information registration server 2600 through at least one or more client terminals of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Entering (or selecting) the business registration information for payroll processing through the dedicated employee card according to the present invention through at least one user interface provided by the registration server 2600, the client terminal via a predetermined network means It is preferable to transmit to the information registration server 2600 provided on the operator information registration system.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based mobile Internet, or Motorola's DataTAC method or Erricson's. A generic term for all terminal devices connected to a Mobitex-type wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular Terminal connected to the CDMA-based mobile communication network. Cellular; PDC or PHS (Personal Handyphone System) terminal or Personal Digital Assistant (PDA) or smart phone (Smart Phone) or Telematics (telematics), or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, Or none connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The information registration server 2600 connected to the client terminal may be either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 2600 may be a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 2600, and inputs or selects at least one or more information through the user interface to transmit the information to the information registration server 2600. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 2600) is provided.

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

In the operator information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the operator, and at least one wired network or wireless connecting the client terminal and the information registration server 2600. The network performs the function of the information registration interface for the business operator to register the business registration information for the salary processing through the dedicated employee card according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash). It may further include a financial automation device (not shown) including a Dispenser (CD), or may be connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminals (or servers) (not shown) provided in the above institutions may be further included, whereby the present invention is not limited.

In the operator information registration system as described above, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server 2600. The financial network that connects) performs the function of the information registration interface for the business operator to register the business registration information for the salary processing through the dedicated employee card according to the present invention, or the information registration terminal is the call terminal ( (Not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 2600 may be used by the operator to provide a card for a one-time worker according to the present invention. Performs a function of an information registration interface for registering business registration information for payroll processing, or the information registration In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is a terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown) are registered with the information. The network connecting the server 2600 performs a function of an information registration interface for registering the business registration information for the business operator for the salary processing through the dedicated employee card according to the present invention.

The storage medium 2630 provided on the business information registration system according to the present invention includes the business name, business address, business registration number, representative, telephone number, business operator included in the business registration information provided from the information registration terminal. A unique code (for example, a unique code given by a national agency or a public agency or a public corporation), and a unique number of a daily worker's insurance payment amount processing terminal device are stored in association with the operator account information.

Here, the daily employee insurance payment amount processing terminal unique number is provided at the main office (or branch) of the operator, input through the daily employee card information read from the daily employee card and a predetermined key input It characterized in that it comprises a device serial number assigned to the daily employee insurance payment amount processing terminal device for transmitting the salary information of the daily worker to the server (for example, the salary processing server, etc.) on the network.

Preferably, the operator account information includes at least one or more account numbers and account holder information for the operator account, which are already established in the ledger D / B on the financial system, and accounts for which the wages of the daily workers are withdrawn. It is characterized by that.

According to one embodiment of the invention, the storage medium 2630 is preferably provided in a DBMS on a financial system provided on the operator information registration system (or associated with the business information registration system), wherein the The storage medium 2630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2630 may include an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the operator information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 2600 provided on the operator information registration system according to the present invention is a generic term for the components of the operator information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 2600 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 2600 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 2600 is configured on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 2600 is the TV banking system. Is a predetermined TV banking server provided on the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server A program provided in (or a device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to the embodiment of the present invention, the information registration server 2600 is characterized by comprising an interface unit 2605 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 2605 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. can do.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2605 connects a communication channel with the client terminal based on the TCP / IP protocol. The HTTP protocol defined in the browser program may be used to provide a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 2600 (eg, an internet banking program), the interface unit 2605 communicates with the client terminal based on the TCP / IP protocol. A channel may be connected and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 2605 may be connected to the financial automation device based on a protocol stack defined in the financial network. A communication interface may be provided for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 2605 is based on a protocol stack defined in the wireless network. A communication interface may be provided for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 2600, the interface unit 2605 may be connected to the client terminal based on the CDMA protocol. The communication channel may be connected and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2605 is a voice call defined in the wired telephone network or a wireless telephone network. The communication terminal (not shown) may be connected to a predetermined communication path based on a protocol, and a communication interface for transmitting and receiving information (or data) based on the voice call may be provided.

For example, the interface unit 2605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provide a communication interface for transmitting and receiving information based on voice recognition. Can be.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2605 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 26, the information registration server 2600 is connected to the interface 2605 when a predetermined information registration terminal is connected to the information registration server 2600 through the interface 2605. An interface provider 2610 and a interface providing unit 2610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined business registration information from the registration terminal to the information registration terminal; Information receiving unit 2615 for receiving predetermined business registration information inputted (or selected) and transmitted from the information registration terminal through the user interface, and the business information included in the received business registration information; And an information storage unit 2625 for linking and processing the operator account information in a predetermined storage medium 2630. All.

In addition, the information registration server 2600 is provided with a daily employee insurance payment amount processing terminal device for reading predetermined card information from the daily employee dedicated card for the salary processing using the daily employee dedicated card according to the present invention, It may be configured to further include an information generating unit (not shown) for generating a predetermined operator unique code to be assigned to the operator performing the business registration.

Here, the operator specific code generated and assigned through the information generation unit may correspond to, for example, an affiliate store code of a credit card affiliate store.

The interface providing unit 2610, when a predetermined information registration terminal is connected to the information registration server 2600 through the interface unit 2605, the operator registration information corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface which can be input (or selected) and transmitted to the information registration server 2600 via the network means, or extracted from a predetermined database (not shown), and the interface unit 2605 And providing the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) business registration information including at least one of the business information and business account information based on the user interface, and inputs the entered (or selected) business registration information to the financial institution. The information registration server 2600 is transmitted through a network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 2610 is provided in the client terminal. A user interface that can be provided as a browser program or a communication program can be generated (or extracted), and the generated (or extracted) user interface can be provided to the client terminal through the interface unit 2605.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface provider 2610 may provide a financial transaction related program provided in the financial automation device. The user interface may be generated (or extracted), and the generated (or extracted) user interface may be provided to the financial automatic device through the interface unit 2605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface provider 2610 may use a browser program or communication provided in the client terminal. A predetermined user interface that can be provided by a program may be generated (or extracted), and the generated (or extracted) user interface may be provided to the client terminal through the interface unit 2605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 2610 may be provided to the call terminal (not shown). A user interface may be generated (or extracted), and the generated (or extracted) user interface (eg, ARS based user interface) may be provided to the call terminal (not shown) through the interface unit 2605. have.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 2610 is connected to the wired terminal (or two-way digital TV). A predetermined user interface that can be provided may be generated (or extracted), and the generated (or extracted) user interface may be provided to the wired terminal (or interactive digital TV) through the interface unit 2605.

The information receiving unit 2615 inputs (or selects) business registration information including at least one of business information and business account information through the user interface and transmits the information through the network means in the information registration terminal. The operator registration information may be received in conjunction with the operation 2605, and the received operator registration information is provided to the validity confirming unit 2620.

The validity confirming unit 2620 is characterized by checking whether the business registration information received from the information registration terminal satisfies the validity for the operator to perform the salary processing through the dedicated employee card according to the present invention.

According to the implementation method of the present invention, the validity confirmation of the business registration information, the account ledger corresponding to the business account included in the business registration information in the ledger D / B on the financial system associated with the business information registration system is provided This can be done including checking if there is.

In addition, with reference to the customer ledger associated with the business account ledger, at least one or more business information included in the business registration information (eg, business name, business address, business registration number, representative, telephone number, business unique code ( For example, such as a unique code assigned by a national agency or a public agency or a public corporation, etc.) may be included.

When the validity of the business registration information is confirmed, the information storage unit 2625 is characterized in that the information stored in the storage medium (2630) by linking the business information and the business account information included in the business registration information. When the storage medium 2630 is provided in the information registration server 2600 or on the network associated with the information registration server 2600, the information storage unit 2625 may receive the received business registration information. The information stored in the storage medium 2630 is preferably stored in the storage medium 2630 by linking and processing the operator information included in the business account information. The information storage unit is provided in the DBMS provided on the financial system. In operation 2625, the provider information and the operator account information included in the received business registration information may be provided to the information system through an external system on the financial system. It is desirable to store in a DBMS provided on the stem.

27 is a diagram illustrating a process of registering business registration information in a non-face-to-face manner for payroll processing through a dedicated employee card according to one embodiment of the present invention.

In more detail, FIG. 27 shows a case where the information registration server 2600 on the operator information registration system shown in FIG. 26 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 2600 and connecting a communication channel for information registration according to the present invention, a business registration including the business information and the business account information to the information registration server 2600 through the communication channel When the information is transmitted, the information registration server (2600) relates to an implementation method for storing the business information and the business account information included in the received business registration information in a predetermined storage medium 2630, the present invention Those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 27 to the client terminal. While various implementation methods of registering the business registration information with the information registration server 2600 may be inferred, the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 27, the client terminal shown in FIG. 26 is referred to as "terminal" for convenience, and the information registration server 2600 shown in FIG. 26 is called "server" for convenience, and the information registration is performed in the client terminal. The business information and business account information transmitted to the server 2600 is referred to as "business registration information" for convenience.

Referring to FIG. 27, when the client terminal illustrated in FIG. 26 is a predetermined network means (for example, the client terminal is a wired terminal 2635), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 2640. Is connected to the server through a CDMA based mobile communication network or an IEEE 802.16x based portable Internet, etc., and connects a predetermined communication channel for registering the business registration information, and the salary processing through the dedicated employee dedicated card. When requesting the business information registration for the (2700), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the business registration information (2705), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (2710).

According to an exemplary embodiment of the present invention, the information registration interface preferably includes a user interface for inputting (or selecting) business registration information including at least one of the business information and business account information.

In addition, the web page transmission or output process is preferably performed at least once according to the daily employee card registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) business registration information including at least one or more business information and business account information through the information registration interface (2715).

If the operator registration information including the operator information and the operator account information is input (or selected) through the information registration interface (2720), the terminal receives the input (or selected) operator through the communication channel. The information and the operator account information are transmitted to the server (2725).

According to an embodiment of the present invention, transmitting the operator information and the operator account information input (or selected) through the communication channel to the server, the operator registration information input (or selected) through the information registration interface The method may further include transmitting the electronic signature or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the operator information and the operator account information through the communication channel to check the validity of the daily employee card registration information (2730).

According to an embodiment of the present invention, checking the validity of the business registration information may include decrypting the business registration information when the business registration information is electronically signed or encrypted through a security module provided in the terminal, or It may further comprise decoding the provider information.

Here, the daily employee insurance payment amount processing terminal unique number is provided at the main office (or branch) of the operator, input through the daily employee card information read from the daily employee card and a predetermined key input It characterized in that it comprises a device serial number assigned to the daily employee insurance payment amount processing terminal device for transmitting the salary information of the daily worker to the server (for example, the salary processing server, etc.) on the network.

Preferably, the operator account information includes at least one or more account numbers and account holder information for the operator account, which are already established in the ledger D / B on the financial system, and accounts for which the wages of the daily workers are withdrawn. It is characterized by that.

If the validity of the business registration information is not authenticated (2735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2740), corresponding to the daily employee card registration information Do not perform the information registration procedure.

On the other hand, if the validity of the daily worker card registration information is authenticated (1735), the server performs the information registration procedure corresponding to the daily worker card registration information, by using the daily worker information using the payment virtual account information and daily work Worker-only card information is cooperatively stored in a predetermined storage medium 2630 (2745).

According to one embodiment of the invention, the storage medium 2630 may be provided in a DBMS on a financial system provided on the operator information registration system (or associated with the business information registration system), wherein the storage The medium 2630 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2630 may include an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the operator information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2750), thereby completing the procedure of registering the business registration information transmitted from the terminal.

According to the present invention, by automatically calculating the premium payment amount for the daily employee salary payment, and by paying for this, there is an advantage that it is possible to attract business and daily worker accounts for the daily worker salary transfer processing.

In addition, there is an advantage in that it is possible to increase other receipts and generate new fee revenue for insurance premium payment.

Claims (4)

Information storage means for storing premium payment amount calculation condition information for calculating a premium payment amount on a predetermined storage medium; Specialized receiving means for receiving a full payment payment approval request message including daily worker information (or card information), company information (or card information), and daily worker salary information from a terminal provided at a workplace employing the daily worker; Specialized reading means for reading the received salary payment approval request text and reading the daily work employee information (or card information), the business operator information, and salary information of the daily work worker from the salary payment approval request text; Insurance premium calculation means for calculating an insurance premium for the wage amount of the daily worker based on the daily worker information (or card information), the daily worker salary information, and the premium payment amount calculation condition information stored in the storage medium; Information checking means for confirming the daily worker account information corresponding to the daily worker information (or card information) and the company account information corresponding to the operator information (or terminal device (or company) unique code); Salary processing means for withdrawing a real income amount excluding the calculated insurance premium from the business employee's salary, withdrawing from the confirmed business owner account and depositing the money into the daily worker's account; And Insurance amount processing means for withdrawing the premium payment amount of the calculated daily employee of the daily employee salary from the confirmed business operator account and deposit the premium payment amount to the insurance agency account; premium insurance processing system comprising a. According to claim 1, Professional transmission means for generating a predetermined salary processing response message including the daily employee salary processing details and insurance premium processing history, and transmits the generated salary processing response message to the terminal device through the network Premium payment processing system, characterized in that further comprises a. A recording medium which records a program for executing a function of the system constituting means of claim 1. Storing premium payment amount calculation condition information for calculating the premium payment amount for the daily worker in the information storage means on a predetermined storage medium; Receiving a full salary payment approval request message from a terminal provided at a workplace employing a daily worker in a professional receiving unit; Reading the received salary payment approval request text in a specialized reading means, and reading the daily worker information (or card information), the business operator information, and salary information of the daily worker from the salary payment approval request text; Calculating an insurance premium for the salary amount of the daily worker based on the daily worker information (or card information), the daily worker salary information, and the premium payment amount calculation condition information stored in the storage medium; Confirming, by the information checking means, the daily employee account information corresponding to the daily employee information (or card information) and the operator account information corresponding to the operator information (or terminal device (or operator) unique code); Withdrawing a real income amount excluding the calculated insurance premium from the business employee's salary from the business operator's salary, withdrawing from the confirmed business owner's account, and depositing the money into the daily worker's account; And And withdrawing insurance premium payment amount of the calculated daily worker from the checked employee account in the insurance amount processing means and depositing the premium payment amount of the daily worker into the insurance institution account. .
KR1020070101744A 2007-10-10 2007-10-10 System and method for processing insurance premium of payment and program recording medium KR20090036620A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101880368B1 (en) * 2016-11-11 2018-07-19 이경석 Time And Day Labor Employment Insurance Information System
KR102521185B1 (en) 2023-01-30 2023-04-13 국민건강보험공단 Unmanned receipt system for payment of 4 major insurance and other levies

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101880368B1 (en) * 2016-11-11 2018-07-19 이경석 Time And Day Labor Employment Insurance Information System
KR102521185B1 (en) 2023-01-30 2023-04-13 국민건강보험공단 Unmanned receipt system for payment of 4 major insurance and other levies

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