KR20090036631A

KR20090036631A - Terminal devices for processing insurance premium and program recording medium

Info

Publication number: KR20090036631A
Application number: KR1020070101755A
Authority: KR
Inventors: 김인권
Original assignee: 주식회사 신한은행
Priority date: 2007-10-10
Filing date: 2007-10-10
Publication date: 2009-04-15

Abstract

A terminal device for processing insurance premium and a program recording medium are provided to induce a contractor account and a daily-employed job worker account for wage transferring by performing automatic calculation of insurance fee for wage supply of a daily worker. A card reader(150) reads the daily-employed job worker exclusive card information from the exclusive card of the daily-employed job worker. An information input unit(155) is inputted the allowance wage from a contractor. An insurance bill calculator(175) produces the insurance bill toward the allowance wage of the daily-employed job worker. A statement generator(160) produces approval request statement for a predetermined pay processing recognition request. A statement transmitter(165) transmits the generated wage processing recognition request statement as described above to a server. A statement processor(170) receives the wage processing response and the received statement is outputted.

Description

Terminal device for Processing Insurance Premium and Program Recording Medium

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

FIG. 2 is a diagram illustrating an operation process of a terminal device for processing insurance payment amount for daily workers according to an embodiment of the present invention.

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

4 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.

5 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. 6 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.

7 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.

8 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.

9 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. 10 is a diagram illustrating a payment virtual account opening system for opening a payout dedicated virtual account according to another embodiment of the present invention.

11 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.

12 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.

FIG. 13 is a diagram illustrating a card issuing system for issuing a dedicated card for paying daily wages according to an embodiment of the present invention.

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

15 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.

16 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.

17 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.

18 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.

19 is a diagram illustrating 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.

20 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. 21 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.

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

FIG. 23 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.

24 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.

100: terminal 103: card interface

105: control unit 110: screen output unit

115: key input unit 120: power supply unit

125: communication unit 130: security application module

135: print output unit 140: printing apparatus

145: memory unit 150: card reader unit

155: information input unit 160: professional generation unit

165: professional transmission unit 170: professional processing unit

175: premium calculation unit

The present invention relates to a terminal device having a function of automatically calculating an insurance premium payment amount according to the payment of daily workers' salaries.

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 to store the premium payment amount calculation condition information for calculating the premium payment amount, reading the daily employee dedicated card information from the daily worker dedicated card issued to the daily worker, A worker receives a salary amount to be paid from an employer (employer having the terminal device) employing the daily worker, and based on the read daily employee dedicated card information, the salary amount and the premium payment amount calculation information Calculates a premium for the salary amount of the daily worker, generates 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; Through a server (eg payroll server) Etc.), and receives and outputs a salary processing approval response message corresponding to the salary processing approval request message from the server through the network.

The insurance payment amount processing terminal apparatus according to the present invention includes a memory unit for storing premium payment amount calculation condition information for calculating the premium payment amount, and reads the daily employee dedicated card information from the daily employee dedicated card issued to the daily worker. A card reader unit, an information input unit for receiving the salary amount to be paid from the employer (the employer having the terminal device) in which the daily worker employs the daily worker, and the dedicated card worker dedicated card information read through the card reader unit. And an insurance premium calculating unit configured to calculate an insurance premium for the salary amount of the daily worker based on the salary amount and the premium payment amount calculating condition information stored in the memory unit, the card information for the daily worker and the premium payment amount for the daily worker. Information and the actual amount of salary to be paid A professional generation unit for generating a predetermined salary processing approval request message including information, a specialized transmission unit for transmitting the generated salary processing approval request text to a server (eg, a salary processing server, etc.) through a network, and the network Characterized in that it comprises a specialized processing unit for receiving and outputting the salary processing approval response message corresponding to the salary processing approval request full text from the server.

According to the present invention, the premium calculating unit, when calculating the premium payment amount of the daily worker, when the daily worker satisfies the insurance qualification acquisition requirements for the premium payment amount calculation condition information stored in the memory, the wage of the daily worker It is characterized by calculating by applying a predetermined calculation ratio to the amount of money.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing a function of the above-described insurance payment amount processing terminal device constituting means.

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

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

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

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

1 is a view showing the functional configuration of the insurance payment amount processing terminal device 100 according to the daily employee salary payment according to the embodiment of the present invention.

In more detail, in FIG. 1, a predetermined daily worker receives a daily worker dedicated card for the present invention through the card issuing system shown in FIG. 4 or FIG. 13, or the information shown in FIG. 15 or FIG. By registering the dedicated employee for the daily worker card for the present invention through the registration system, the employer employing the daily worker through the business information registration system shown in Figure 21 or 23 below the predetermined operator information for the processing of daily employee salary 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 this drawing; As a configuration for a daily worker insurance payment amount processing terminal device 100 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 the drawing 1 In this case, various implementation methods for the terminal device 100 function configuration for processing the insurance payment amount may be inferred, but the present invention includes all the implementation methods inferred above, 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 1 to provide 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 100 shown in FIG. 1 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 100 shown in FIG. 1 is not limited to the specific terminal device 100.

Referring to FIG. 1, when paying daily workers 'salaries using the daily workers' exclusive card, the terminal device 100 for insurance payment processing basically includes a control unit 105, a memory unit 145, and a card interface 103. Including a power supply unit 120 for supplying power to the key input unit 115, the screen output unit 110, the communication unit 125, the security application module 130, the print output unit 135 and the terminal device 100; Characterized in that made.

The control unit 105 controls the overall operation of the terminal device 100 in terms of function configuration, manages the flow of information or data between each element, and pays the daily workers' salaries using the dedicated daily workers 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 100 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 100 in 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 recorded on a recording medium provided in the terminal device 100 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 105 is provided with a component that can be processed in software among the functional configuration provided in the terminal device 100 for processing the insurance payment amount of the daily worker. It is characterized by consisting of).

In particular, the controller 105 is an operating system routine stored in a predetermined memory unit 145 to control and manage the overall operation of the terminal device 100 after the terminal device 100 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 145 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 100 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 and program data (for example, data input or output for the program routine to perform a predetermined function) that is required for the control unit 105 to perform a predetermined control function. It is done.

According to a preferred embodiment of the present invention, the memory unit 145 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. In addition, the full text inclusion information may include the terminal device 100 information (eg, CAT_ID information, etc.), or operator-specific information.

In addition, according to an embodiment of the present invention, the memory unit 145 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 dedicated card for the daily worker. 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 103 provides an interface for reading at least one or more information or data provided in a predetermined card in order to realize an insurance payment amount processing of the daily worker when paying the daily worker salary using a dedicated worker card. And an MS interface that provides an interface between the MS (Magnetic Stripe) card and the terminal device 100 based on the ISO / IEC 7810 standard, or the contact type IC card based on the ISO / IEC 7816 standard. The terminal device 100 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 100 based on the ISO / IEC 14443 standard.

The MS interface is a card interface 103 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 in that the predetermined information or data from the at least one or more tracks provided in the MS of the MS card to interface to the terminal device (100).

The contact IC interface is a card interface 103 based on ISO / IEC 7816, comprising at least one contact point that 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 by interfacing to (100).

The non-contact IC interface is a card interface 103 based on ISO / IEC 14443. The non-contact IC interface includes at least one antenna that makes electrical contact with the non-contact IC card by using capacitive coupling or inductive coupling. The terminal device 100 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 115 is a terminal operator from a predetermined key input means including a plurality of number keys (Character Key), a function key (Function Key), etc. that can input a character or It is characterized in that the user inputs the corresponding key data (Key Data) generated by clicking a predetermined key to the control unit 105, the control unit 105 reads the key data input through the key input unit 115 And a predetermined function or a predefined task corresponding to the key data in association with at least one component provided in the terminal apparatus 100.

According to the implementation method of the present invention, the key input unit 115, when paying the daily worker salary using the daily worker dedicated card, the predetermined salary information to be paid by the daily worker for processing the insurance payment amount of the daily worker It is preferable to perform the function of the key input means for receiving the input.

The screen output unit 110 is the control unit in the process of the terminal device 100 performs a predetermined function (for example, the insurance payment payment of the daily worker, the processing function of the daily worker when paying the wage of the daily worker using a dedicated card for the daily worker) A predefined screen interface for defining at least one information or data that is predefined or real-time to be output to a predetermined screen output means including an LCD (Liquid Crystal Display) or a CRT (Cathode Ray Tube) by 105. Characterized in that it is output through, and the information or data predefined to be output on the screen from the terminal device 100, the key data input through the key input unit 115, or provided in the terminal device 100 Information (or data) stored or generated by the component, information (or data) transmitted / received through the communication unit 125, May comprise (or data) corresponding to a predetermined operation performed on the result to the terminal device 100 is at least one.

According to a preferred embodiment of the present invention, the screen output unit 110 outputs a salary and an insurance payment amount processing screen for processing an insurance payment amount of the daily worker when paying the daily worker salary using the card for the daily worker. It is preferable to perform the function of the screen output means.

The communication unit 125 is a terminal on the network in the process of the terminal device 100 performs a predetermined function (for example, the insurance payment amount processing function of the daily worker when paying the daily worker salary using a dedicated worker card) Or a server) or a terminal (or device) connected to the terminal device 100 through a predetermined cable or a terminal (or device) connected to the terminal device 100 through a predetermined short-range wireless communication. It is characterized in that it provides a predetermined communication means for connecting, network communication unit 125 for connecting a predetermined communication channel with a payroll processing server or payment server or insurance processing server or financial institution server on a wired or wireless network, or a predetermined Cable communication unit 125, or at least one or more for connecting a communication session with a predetermined terminal (or device) through a cable communication port And a short range wireless communication unit 125 for connecting a predetermined short distance communication terminal (or device) device to a predetermined communication session through a short range wireless communication means on the computer. It includes a communication protocol or driver for connecting.

The network communication unit 125 may be a predetermined wired or mobile communication network including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). Or connecting a communication channel with a payroll processing server or a payment server or a premium processing server or a financial institution server on a wired or wireless network through a predetermined wireless network including a wireless data communication network. And a modem or a network interface card (NIC) for connecting to a predetermined wired or wireless network, and a communication protocol or driver for connecting the terminal device 100 to the wired or wireless network by software. It is made to include.

The cable communication unit 125 connects a communication session with a predetermined cable communication terminal (or device) through a predetermined cable communication (eg, RS-232c or 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 125 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 (SAM) 130 is required in the process of performing the insurance payment amount processing of the daily worker when the terminal device 100 pays the daily worker salary using the daily worker dedicated card. Security requirements, including confidentiality or authentication or integrity or nonrepudiation, can be applied to the authentication server (or payment server or payroll server or premium processing server or financial institution server) on the network. As a safety device for performing a safe and reliable structure in the terminal apparatus 100 without using the terminal apparatus, the terminal apparatus 100 performs a predetermined security request function (for example, an electronic payment or salary processing and a premium processing function). Encrypts or decrypts 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 130 is preferably composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8-bit CPU or more, more than 2 MIPS (Million Instructions Per Second) It is preferable to include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having high performance.

In addition, the security application module 130 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 100 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, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setup / mode switch / gather / delete / discard / initialize / reprocess / remove) Command) is preferably provided.

The print output unit 135 is a process or a result of the terminal device 100 performing a predetermined function (for example, when paying a daily worker's salary using a dedicated worker card, the insurance payment amount processing function of the daily worker). And outputting predetermined information or data (for example, salary processing result information or data) to a predetermined printing device 140 (for example, a receipt printing machine), and the printing information or And a printing protocol and a driver for printing data through the printing apparatus 140.

Referring to FIG. 1, when paying a daily worker's salary using the daily worker's dedicated card, the terminal device 100 for processing the insurance payment amount of the daily worker is connected to the card interface 103 to the drawing 4 or the same. A card reader unit 150 for reading the card information for the daily work worker from the card for the daily work worker issued to the daily work worker through the card issuing system shown in FIG. 13, and the employer employing the daily work worker. To the information input unit 155 for receiving a salary amount to be paid from the business owner having the terminal device 100), the card information for the daily worker and the salary amount and the memory unit 145 read through the card reader unit. Based on the information on the condition for calculating the premium payment amount, the premium for the salary amount of the daily worker is calculated. Is a premium generation unit 175, a professional generation unit 160 for generating a predetermined salary processing approval request text including the daily employee dedicated card information, the premium payment amount information of the daily worker, and the actual amount of salary to be paid; And a professional transmission unit 165 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 125 (network communication unit). And a professional processing unit 170 for receiving and outputting 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 125. do.

When the daily worker dedicated card is a predetermined MS card, the card reader unit 150 recognizes the daily worker dedicated card through the card interface 103 (eg, 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 150 recognizes the daily employee dedicated card through the card interface 103 (eg, a contact IC interface). A PIN (Personal Identification Number) based IC card validity authentication procedure (for example, a predetermined PIN is input through the key input unit 115 and transmitted to the IC card through the card interface 103 in connection with the IC). A process of verifying confidentiality, authentication, integrity, and nonrepudiation of the card), and if the IC card validity is authenticated, the card shown in FIG. 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 reading.

According to another exemplary embodiment of the present invention, the daily employee dedicated card information may be keyed through the key input unit 115, whereby the present invention is not limited thereto.

The information input unit 155 is connected to the key input unit 115, characterized in that for receiving the salary amount 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 155 is salary information or work information (for example, the first working day, premium calculation standard working time, etc.) for the at least one daily worker from the employer that employed the daily worker May be received in advance and stored in the memory device 145, the terminal device 100, wherein the salary information is preferably stored in association with the card information for the daily worker, in this case, the salary payment of the daily worker When the daily employee dedicated card information is read through the card reader unit 150, salary information or labor information corresponding to the read daily employee dedicated card information may be referred to from the memory unit 145.

When the predetermined daily employee dedicated card information is read through the card reader unit 150 and the daily employee salary amount is input through the information input unit 155, the premium calculating unit 175 is 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 145.

According to the implementation method of the present invention, the premium calculating unit 175 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 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 175, the daily worker is eligible for the national pension for the premium payment amount calculation condition information stored in the memory unit 145. If the acquisition requirement is satisfied, the calculation rate is calculated by applying a predetermined rate to the wage amount of the daily worker (for example, the 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 175, the daily worker has the health insurance qualification acquisition requirements for the premium payment amount calculation condition information stored in the memory unit 145. 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 175, the daily workers meet the health insurance qualification acquisition requirements for the insurance premium payment amount calculation condition information stored in the memory unit 145. (For example, if 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 175, the full text generation unit 160 receives information about the daily employee dedicated card information and the premium payment amount of the daily worker and receives 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 160, as shown in Figure 3 below, the calculated daily amount of the employee information of the daily employee and the real wage amount of information 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 165 connects the created payroll approval approval telegram to the communication unit 125 (network communication unit) in connection with the communication unit 125 (network communication unit). It is characterized in that the transmission to the financial institution server or payroll processing server or payment server or premium processing server shown in this figure through a network.

Thereafter, the professional processing unit 170 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 125 (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 screen output unit 110 displays the salary processing details included in the salary processing approval response message. Output through, or print through the print output unit 135.

2 is a view illustrating an operation process of the terminal device 100 dedicated to the daily employee insurance payment amount processing according to an embodiment of the present invention.

In more detail, Figure 2 is a one-time worker salary payment using a dedicated daily worker card issued to the daily worker through the card issuing system shown in Figure 4 or Figure 13, for processing the insurance payment amount of the daily worker, 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 the daily worker's insurance payment amount processing terminal to transmit to a server on the network (for example, a financial institution server, a payment server, a premium processing server, etc.). As for the operation process of the device 100, For those skilled in the art, refer to or modify the drawing 2 to provide a variety of implementation methods for the insurance payment amount processing of the daily worker when paying the daily worker salary using the dedicated card for the daily worker. 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. 2, the terminal device 100 shown in FIG. 1 uses the predetermined card reader to process the insurance payment amount of the daily worker when paying the daily worker's salary using the dedicated worker card. Alternatively, the card issuer shown in FIG. 13 reads the card information dedicated to the daily worker issued to the daily worker (200).

According to an exemplary embodiment of the present invention, when the daily employee dedicated card is a predetermined MS card, the terminal apparatus 100 recognizes the daily employee 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 apparatus 100 recognizes the daily worker exclusive card through the card reader, and transmits to the terminal apparatus 100. A PIN (Personal Identification Number) based IC card validity authentication procedure (e.g., a predetermined PIN is input through the key input unit 115) in association with a predetermined key input means. To confirm the confidentiality, authentication, integrity, and nonrepudiation of the IC card, and if the validity of the IC card is authenticated, the figure 4 or the figure. 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 FIG. 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 100, and the present invention is not limited thereto.

Thereafter, the terminal device 100 checks whether a salary amount to be processed for salary is input using the card for the daily employee in association with the key input unit 115 (205).

According to the embodiment of the present invention, it is preferable that the terminal device 100 checks whether a predetermined daily wage worker inputs a salary amount to be paid from the business operator.

If the salary amount to be paid by the daily worker is confirmed (210), the terminal device 100 is the daily employee dedicated card information and the daily worker salary amount and the terminal device (as shown in Figure 3 below) With reference to the premium payment amount calculation condition information stored in the memory of 100, it is determined whether the daily employee is a premium payment amount calculation target (215).

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 (220), the terminal The device 100 generates a full payment processing approval request message including at least one specialized information (eg, terminal device 100 unique information or operator specific information, etc.) (225).

On the other hand, 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 (220), the terminal device (100) ) Calculates the premium payment amount to be paid by the daily worker by applying the card information for the daily worker and the premium payment amount calculation condition information to the daily employee's salary (230).

According to the exemplary embodiment of the present invention, when the terminal apparatus 100 calculates the national pension premium payment amount of the daily worker, the daily worker is configured to calculate the premium payment amount calculation condition information stored in the memory unit 145. If the national pension eligibility requirements are satisfied, the calculation rate is calculated by applying a predetermined rate 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 apparatus 100 calculates the health insurance premium payment amount of the daily worker, premium payment amount calculation condition information stored in the memory unit 145 provided in the terminal apparatus 100 is provided. 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). ).

According to another exemplary embodiment of the present invention, when the terminal apparatus 100 calculates the employment and industrial accident insurance payment amount, the daily worker is provided with the health information regarding the premium payment amount calculation condition information stored in the memory unit 145. If you meet the insurance qualification requirements (e.g., the employer (or legally legal representative of the employer) within 14 days from the start of the construction site) filed a business start-up report with the Labor Welfare Corporation, Insurance premium is calculated by annual cost of construction.

Subsequently, the terminal device 100 includes the calculated premium payment amount information, real-time worker's amount information (for example, the amount of the insurance premium subtracted from the calculated amount paid by the business operator) and the professional inclusion information. To generate a payroll approval request full text including (235).

When the full payment processing approval request is generated (240), the terminal device 100 through the predetermined network to the financial institution server or payroll processing server or payment server or insurance processing server shown in Figure 1 the generated salary The full text of the processing approval request is transmitted (245).

According to an exemplary embodiment of the present invention, the terminal device 100 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.

Subsequently, the terminal device 100 includes a payroll processing approval response message including payroll processing details 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 if it is received (250).

If the salary processing approval response message is received through the network (255), the terminal device 100 is the salary processing details (eg, salary and insurance processing approval history, or included in the received salary processing approval response message), or Salary and insurance processing error history) is output through the screen output means or through a predetermined printing device 140 (260).

Figure 3 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. 3 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 100 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 3, and according to the intention to those skilled in the art, various forms of the dedicated employee card (for example, check card, debit card, prepaid card, credit card) In the case of paying the daily worker salary using the daily worker dedicated card in response to the membership card, the various salary processing approval request specialized structures for processing the insurance payment amount of the daily worker may be inferred, but 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. 3, 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 payment processing approval request full text is described through a transaction classification item related to the payment processing, a Terminal_ID item for the terminal device 100, a POS Entry Mode item, and a card reader provided in the terminal device 100. 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 Figure 13, a predetermined FS (File Separator) 0x1C) after which the employer pays the daily worker an item, at least one premium payment item to be paid by the daily worker, and a real income item that the daily worker can actually receive. It may include a Working Key Index item, a password item and a document serial number item.

Referring to FIG. 3 according to an embodiment of the present invention, the transaction division item of the salary processing approval request message may include transaction division information including any one of “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. 4 or FIG. 13, the salary paid by the operator in the process 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 is configured to include daily worker dedicated card information (or customer authentication information) obtained from the daily worker storage information provided in the IC card.

In addition, the salary amount item in the full salary processing approval request is a salary amount paid to the daily worker by the employer employing the daily worker, 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 100 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.

In more detail, FIG. 4 shows a predetermined card for requesting a predetermined daily worker to issue a dedicated daily worker exclusive card linked to 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 4. 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 4.

Hereinafter, at least one means or function for issuing a predetermined worker-only 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. Components corresponding to the configuration are referred to as "card issuing server 400" for convenience.

Referring to this figure 4 according to the embodiment of the present invention, a card issuing system for issuing a dedicated employee card, characterized in that it comprises a teller terminal used by the 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 400 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 400 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 400 connected to the window terminal is provided on the predetermined financial system Preferably it comprises a ledger server, wherein the network means for connecting the teller terminal and the card issuing server 400 is a financial network (eg, our network) connecting the communication channel between the teller terminal and the card issuing server 400 It is preferable to comprise).

In the card issuing system as described above, the card issuance application created by the daily worker, the window terminal used by the card issuing staff and the financial network connecting the window terminal and the card issuing server 400 is 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 400 through at least one client terminal of a wireless terminal connected to a predetermined wireless communication network, and use the same one-time worker dedicated card through at least one user interface provided by the card issuing server 400. When the card issuing application information for issuing (or selecting) is input, the client terminal may transmit the card issuing server 400 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 400, and inputs or selects at least one or more information through the user interface to transmit the card issuing server 400 to the card issuing server 400. 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 400, 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 400 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 440 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 a non-face-to-face card issuing application as described above, when the card issuing terminal 440 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 400 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, or the card issuing terminal When 440 is the call terminal (not shown), the wired telephone network or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 400 is the daily worker. 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 daily worker, or the card issuing terminal 440 In the case of 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 card issuing server ( The network connecting 400 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 435 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 440. 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 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 made to include the account number, etc., and also the daily worker account may include a virtual account (eg, payment-only virtual account, etc.).

According to an embodiment of the present invention, the storage medium 435 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 435 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 embodiment of the present invention, the storage medium 435 is a card payment system, or an Internet banking system, or a telebanking system provided on (or associated with) the card issuing institution (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 435 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 device), and the location in which the storage medium 435 is provided may be variously implemented according to the intention of those skilled in the art, and the present invention is not limited thereto. No.

The card issuing server 400 provided on the card issuing institution (or financial institution) according to the present invention is connected to the card issuing terminal 440 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 400 is characterized in that it comprises an interface unit 405 for providing a predetermined card issuing interface to the card issuing terminal 440 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 440 is a window terminal connected to a predetermined financial network, the interface unit 405 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 440 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 405 is the wired network. Or 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 405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 440 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 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 405 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 400, the interface unit 405 connects the communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 4, the card issuing server 400 interworks with the interface unit 405 when a predetermined card issuing terminal 440 is connected to the card issuing server 400 through the interface unit 405. 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 440 to the card issuing terminal 440. 410 and an information receiving unit 415 for receiving predetermined card issuing application information transmitted from the card issuing terminal 440 through the user interface in association with the interface unit 405 and transmitting the selected card issuing information. An information generation unit 425 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 430 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 420 for processing and storing in the storage medium 435.

The interface providing unit 410 corresponds to a functional configuration provided in the card issuing terminal 440 when a predetermined card issuing terminal 440 is connected to the card issuing server 400 through the interface unit 405. Input (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 400 through the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) to the card issuing terminal 440 through the network means in conjunction with the interface unit 405.

According to an embodiment of the present invention, the interface providing unit 410 inputs a user interface for inputting the daily worker information, a user interface for inputting (or selecting) daily worker account information, and inputs 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 440 through the network means.

According to an embodiment of the present invention, when the card issuing terminal 440 is a window terminal connected to a predetermined financial network, the interface providing unit 410 may be provided as 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 405.

According to another embodiment of the present invention, when the card issuing terminal 440 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 410 is 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 405. Do.

According to another exemplary embodiment of the present invention, when the card issuing terminal 440 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 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 405.

According to another embodiment of the present invention, the card issuing terminal 440 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 410 generates a user interface for inputting (selecting) the card issuing application information to the card issuing terminal 440 through the network means. (Or extracted) may be omitted, The present invention is not limited thereto.

Thereafter, the card issuing terminal 440 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 400.

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.) 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) 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 415 inputs (or selects) predetermined card issuing application information from the card issuing terminal 440 through the user interface and transmits the information 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 425.

The information generating unit 425 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 415. .

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 one-time worker dedicated card is generated by the information generator 425, the card issuing unit 430 uses the one-time worker dedicated card including the card information through a predetermined card issuing device. 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 425 generates card information in a data structure recordable on the MS track, and the card issuing unit 430 records the card information on the MS track through the card issuing device. It is possible to issue a card for a dedicated daily worker to be issued to.

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 425 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 430 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 420 is the daily worker account information included in the card issuance application information received from the daily worker through the information receiving unit 415 and the card generated by the information generating unit 425 The information is linked and stored in the storage medium 435.

Here, the daily worker account information is a financial account information that can be freely withdrawn in connection 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, It may be made, including account number for.

In more detail, in FIG. 5, when the storage medium 435 shown in FIG. 4 is the ledger D / B provided in the DBMS on the financial system, the ledger information provided in the ledger D / B and the daily worker 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 5 infers a variety of information configuration provided in the storage medium 435 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 includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, the storage medium 435 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 or more linked to the financial system. It may be provided on a card payment system or a non-face-to-face financial transaction system, whereby the present invention is not limited.

Referring to FIG. 5 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, ..., etc.) in addition to the daily employee ledger, 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 corresponding to the account ledger, abstention (month number), period (days), period extension, expiration date and target amount, 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.

Of the one or more account ledgers associated with the daily employee customer ledger, the daily ledger dedicated card ledger associated with the predetermined account ledger corresponding to the payment account of the daily employee dedicated card is the daily employee dedicated card number, expiration date, and daily worker It includes at least one or more daily employee dedicated card payment settlement information, such as the date of issuing a dedicated card, if you have a general knowledge in the technical field to which the present invention belongs, you should be familiar with the composition of the general ledger information dedicated to the daily worker. Therefore, detailed description thereof will be omitted for convenience.

6 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. 6, in the card issuing system shown in FIG. And transmitting predetermined card issuing application information to the card issuing server 400 through the card issuing server 400 through the client terminal and the network means, including the card issuing application information at the card issuing server 400. 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 worker dedicated card linked to the daily worker account by referring to or modifying the present FIG. 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. 6, the card issuing terminal 440 shown in FIG. 4 is referred to as a "terminal" for convenience, and the card issuing server 400 is referred to as a "server" for convenience.

Referring to FIG. 6, in order to issue the account interlocking card for issuing a dedicated daily 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. 4 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 (600).

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.

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.

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 (605). ).

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 (610), the server provides the card issuing error information to the daily worker through the card issuing interface. 615, and stops issuing the dedicated card for the daily worker 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 (610), the server is provided to the daily worker dedicated card to be issued to the daily worker based on the card issuance application information. In operation 620, the predetermined credit card dedicated payment means information is provided.

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 dedicated 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 (625).

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 employee workers in a file structure that is operable through the (Chip Operating System), by recording the card payment means information for the daily worker dedicated card 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 435 (635).

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 435 is provided to a DBMS on a predetermined financial system provided on the card issuing institution (or financial institution) (or linked 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.

In more detail, FIG. 7 illustrates that a predetermined daily worker requests an employer to open a pay-only virtual account through a face-to-face virtual account opening interface, and 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 Reference is made to the implementation method of opening the payroll virtual account to the daily worker.

Those skilled in the art to which the present invention pertains may refer to or modify the drawing 7 to infer various implementation methods for the configuration of 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 payment virtual account opening system shown in FIG. 7, the salary of the name of the daily worker corresponding to the payment virtual account opening target 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 of opening a payment virtual account are referred to as " payment virtual account opening server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a payment virtual account opening system for opening a payroll dedicated virtual account includes a teller terminal used by a teller provided with at least one financial institution. The window terminal is connected to a payment virtual account opening server 700 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, and open the counter terminal. It is preferable to transmit the input (or selected) to the payment virtual account opening server 700 provided on the payment virtual account opening system 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 700 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 700 connects the communication channel between the teller terminal and the payment virtual account opening server 700. It is preferable to comprise the network to say.

In the payment virtual account opening system as described above, the virtual network establishment application prepared by the daily worker, the window terminal used by the teller and the teller terminal and the financial network connecting the payment virtual account opening server 700 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, a network connected to a TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or 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 IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet access and browsing function A non-face-to-face financial transaction service to at least one financial transaction customer through a provided laptop or mobile terminal, etc., wherein the financial transaction service opens a virtual account dedicated to payroll through opening and operating the payment virtual account. It is preferable to include a financial transaction service for.

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 the virtual account for payrolls through operation 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. 7, 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. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between a financial 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, etc.) Access to the financial system from telebanking, TV banking, etc.), 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 detailed technical matters, detailed description thereof will be omitted for convenience, and thereby the present invention is not limited.

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 700 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 700 is characterized in that it comprises an interface unit 705 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 window terminal is a window terminal connected to a predetermined financial network, the interface unit 705 may communicate with the window terminal 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 a communication protocol defined in the payment virtual account opening program provided in the window terminal.

Referring to FIG. 7, the payment virtual account opening server 700 is interlocked with the interface unit 705 when a predetermined teller terminal is connected to the payment virtual account opening server 700 through the interface unit 705. An interface providing unit 710 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 715 for receiving predetermined virtual account opening request information transmitted from the counter terminal through the user interface in connection with 705 and the received virtual account opening request information; An information generator 720 for generating predetermined virtual account ledger information corresponding to the payroll virtual account to be opened to the daily worker; An information storage unit 725 for storing the generated virtual account ledger information in the ledger D / B on the system 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 710, when a predetermined window terminal is connected to the payment virtual account opening server 700 through the interface unit 705, the virtual account opening application corresponding to the functional configuration provided in the window terminal Generate a predetermined user interface capable of inputting (or selecting) information and transmitting it to the payment virtual account opening server 700 through the financial network, or extracting from a predetermined database (not shown), and the interface unit ( In operation 705, 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. Send to 700.

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a predetermined user interface that can be provided by a payment virtual account opening program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

The information receiving unit 715 inputs (or selects) predetermined virtual account opening application information through the user interface at the window terminal and transmits the information through the financial network. The virtual account is linked with the interface unit 705. Characterized in that the application for opening establishment, and the received virtual account opening application information to the information generating unit 720.

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 At least one employee account information and daily worker contract information is characterized in that it comprises.

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 embodiment of the present invention, the information receiving unit 715 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 720 generates predetermined virtual account ledger information to be provided in the payroll virtual account opened in the name of the daily worker based on the virtual account opening application information received through the information receiving unit 715. 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 720, the information storage unit 725 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.

8 is a view showing the configuration of a virtual account ledger corresponding to the establishment of a dedicated virtual account for payroll according to an embodiment of the present invention.

In more detail, FIG. 8 shows an account ledger corresponding to a business account provided in the ledger D / B 500 on the financial system for opening the pay-only virtual account in the payment virtual account opening system shown in FIG. As to the configuration of the virtual account ledger to be processed in connection, those skilled in the art to which the present invention belongs, various implementations of the virtual account ledger for opening a virtual account for payroll only by referring to or modifying this figure 8 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

Referring to FIG. 8, 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 the figure 8 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 8, 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 (Batch No.), 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. 8, 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. Is recommended.

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.

In more detail, in FIG. 9, in the payment virtual account opening system shown in FIG. 7, a predetermined daily worker uses the virtual account opening interface (eg, a virtual account opening application form and a counter terminal and a financial network). When the predetermined virtual account opening application information is transmitted to the opening server 700, the payment virtual account opening server 700 is a process for opening a predetermined salary payment-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 present invention. It includes all, and is not limited to the embodiment shown in FIG.

Hereinafter, in this figure 9, the teller terminal shown in figure 7 is referred to as "terminal" for convenience, and the payment virtual account opening server 700 is referred to as "server" for convenience.

Referring to FIG. 9, a daily employee who intends to open the payroll virtual account creates 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 (900).

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 information on the company employing the daily worker may include the 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 agency or a corporation). At least one) is characterized in that it comprises.

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. (905).

If the validity to open the payroll dedicated virtual account to the daily worker is not authenticated through the virtual account opening application information (910), the server pays the payroll to the daily worker through the virtual account opening interface. In operation 915, the virtual account opening error information is provided, and the operation of opening the virtual account for 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 (910), the server is based on the virtual account opening application information salary to open to the daily worker In operation 920, virtual account ledger information of the daily employee name corresponding to the payment-only virtual 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.

Thereafter, the server checks the account ledger corresponding to the business account to be associated with 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 (925).

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 identified (930), 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 association with the account ledger (935), 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 (940).

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

In more detail, in FIG. 10, when a predetermined 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 10 to infer various implementation methods for constructing a payment virtual account opening system for opening a payout dedicated virtual account. The 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. 10, a predetermined salary 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 1000" for convenience.

Referring to this figure 10 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 1000, wherein the terminal is via a predetermined network means. A communication channel is connected to a payment virtual account opening server 1000 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 1000 through at least one or more client terminals of the terminal, and through the at least one user interface provided by the payment virtual account opening server 1000 for opening the payroll dedicated virtual account 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 1000 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 includes a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

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

In addition, the client terminal outputs at least one or more user interfaces provided by the payment virtual account opening server 1000, and inputs or selects at least one or more information through the user interface to open the payment virtual account opening server 1000. 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 payment virtual account opening server 1000, etc.) for transmission to the mobile phone is provided.

In the payment virtual account opening system as described above, at least one or more client terminals including at least one wired terminal or a wireless terminal used by the daily worker, and at least one connecting the client terminal and the payment virtual account opening server 1000. 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 1000 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 1000 may be provided by the one-time worker. Function of a 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 1000 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.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided at an institution (or other financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network), 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 IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. A non-face-to-face financial transaction service is provided, and the financial transaction service 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 TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service 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.

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 At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

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 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 method of the present invention, the payment virtual account opening server 1000 is characterized by comprising an interface unit 1005 for providing a predetermined virtual account opening interface to the terminal through 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 1005 is defined in the wired network or the 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 a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1005 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 a predetermined payment virtual account opening program provided by the payment virtual account opening server 1000 is provided in the client terminal, the interface unit 1005 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 terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1005 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 405 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 1000 is provided in the client terminal, the interface unit 1005 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. 10, the payment virtual account opening server 1000 is linked with the interface unit 1005 when a predetermined 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 terminal to the terminal; and the interface unit 1005. An information receiving unit 1015 for receiving a predetermined virtual account opening application information transmitted from the terminal through the user interface (input or selection) and the virtual worker opening application information based on the received virtual account opening application information; An information generation unit 1020 for generating predetermined virtual account ledger information corresponding to the pay-only virtual account to be opened to the client; An information storage unit 1025 for storing the generated 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 1010, when a predetermined terminal is connected to the payment virtual account opening server 1000 through the interface unit 1005, the virtual account opening application information corresponding to the functional configuration provided in the terminal Generate a predetermined user interface that can be input (or selected) and transmitted to the payment virtual account opening server 1000 through the network means, or extract from a predetermined database (not shown), and the interface unit 1005. 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 ( 1000).

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 1010 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 1005.

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 1010 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 1005.

When the information receiving unit 1015 inputs (or selects) predetermined virtual account opening application information through the user interface through the user interface and transmits the information through the network means, the information receiving unit 1015 opens the virtual account in cooperation with the interface unit 1005. Characterized in that it receives the application information, and provides the received virtual account opening application information to the information generating unit 1020.

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.

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 generation unit 1020 may 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 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 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.

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 view showing the configuration of a virtual account ledger corresponding to the establishment of a payout dedicated virtual account according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates a company employing the daily worker provided in the ledger D / B on the financial system to open a virtual account for payroll for the daily worker in the payment virtual account opening system shown in FIG. The structure of the virtual account ledger is processed in connection with the account ledger corresponding to the 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 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. 11, 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 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.

In addition, in FIG. 11, 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 balance 2, bank balance, bank account number, interest now, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest rate accounting, flat consolidation It includes account ledger information including at least one or more, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation, and includes the account number, withdrawal (months), and period corresponding to the account ledger. At least one of a plurality of pieces of periodic reception information including at least one of (day), 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.

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 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.

In more detail, FIG. 12 illustrates a client terminal and 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. 10. Etc.), when the predetermined virtual account opening application information is transmitted to the payment virtual account opening server 1000, the payment virtual account opening server 1000 transmits a predetermined salary payment-only virtual based on the virtual account opening application information. Regarding the process of opening an account, one of ordinary skill in the art to which the present invention belongs may infer various implementation methods of opening a pay-only virtual account by referring to or modifying the drawing 12. The present invention encompasses all of the inferred implementation methods, with the implementation method shown in FIG. It is not limited.

Hereinafter, in FIG. 12, the payment virtual account opening server 1000 shown in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 12, in order to open the payroll dedicated virtual account, the daily worker accesses the server through the network means using the terminal, and establishes a virtual account for opening the payroll dedicated virtual account to the server. The interface is requested (1200), and in response, the server extracts (or generates) a virtual account opening interface for opening the payroll virtual account and provides the terminal to the terminal (1205).

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 (1210). .

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.

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 (1215).

If the validity of opening the salary-only virtual account to the daily worker is not authenticated through the virtual account opening application information (1220), the server provides the virtual account to the daily worker through the virtual account opening interface. The account opening error information is provided (1225), and the work 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 (1220), the server provides the payment virtual account to be opened to the daily worker based on the virtual account opening application information. In operation 1230, virtual account ledger information of the customer's name corresponding to the client account is generated.

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 (1235).

If the account ledger corresponding to the business account to be associated with the payment virtual account to be opened to the daily worker is confirmed (1240), 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 (1245), and created 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 (1250).

In more detail, in Figure 13, a certain daily worker is linked to a payment virtual account opened under the name of the daily worker through the virtual account opening system shown in FIG. 7 or 10 as a card issuing system through a predetermined card issuing interface. When the predetermined card issuance application information for issuing the dedicated card is issued, the card issuance system is provided to the daily worker based on the provided card issuance application information to the daily worker through the virtual account opening system shown in FIG. 7 or FIG. 10. System configuration for issuing a dedicated day worker dedicated card associated with a payment virtual account opened in the name of the worker, if the person of ordinary skill in the technical field to which the present invention belongs, refer to or modify this figure 13 to pay the daily worker Various implementations of card issuing system configuration for processing The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means 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 1300" for convenience.

Referring to this drawing 13 according to the embodiment of the present invention, a card issuance for issuing a dedicated card for the daily work worker associated with the payment virtual account opened in the name of the daily work worker through the virtual account opening system shown in FIG. 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 1300 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 financial worker for issuing a dedicated daily 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 7 or Figure 10 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). When you submit the completed card issuance application form to the card issuing staff, 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 1300 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 1300 connected to the teller 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 1300 is a financial network (for example, to connect the communication channel between the teller terminal and the card issuing server 1300) Net).

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 1300 are the daily worker. Through the virtual account opening system shown in FIG. 7 or FIG. 10, the card issuing interface for registering card issuing application information for issuing a dedicated employee card associated with the payment virtual account opened in the name of the daily worker is performed. 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 issuance server 1300 through one or more client terminals, and through the virtual account opening system shown in FIG. 7 or 10 through at least one user interface provided by the card issuance server 1300 Entering (or selecting) card issuance application information for issuing a dedicated employee card for one-time workers 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 1300.

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 No connection to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 1300, and inputs or selects at least one or more information through the user interface to transmit the card issuance server 1300. 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 1300, etc.) is provided.

In the card issuing 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 or wireless connecting the client terminal and the card issuing server 1300. The network is a card for registering the card issuance application information for the issuance of a 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. 7 or FIG. Perform the function of the issue interface.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 1340 may have a predetermined financial network (for example, in addition to the window 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. 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 a non-face-to-face card issuing application as described above, when the card issuing terminal 1340 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 1300 is a one-time worker associated with the payment virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. Performs a function of a card issuing interface for registering card issuance application information for issuing a dedicated card, or when the card issuing terminal 1340 is the call terminal (not shown), the call terminal (not shown) and A wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the card issuing server 1300 may be provided by the daily worker in FIG. 7 or 10. 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, which is 1340, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card issuance The network connecting the server 1300 is an application 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. 7 or FIG. 10. 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 13 is issued through a card dedicated to the daily workers (or opened through the virtual account opening system shown in Figure 7 or Figure 10) 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. 7 or FIG. 10. .

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.).

In addition, the virtual account information included in the card issuance application information, at least one or more virtual account number corresponding to the virtual account opened in the name of the daily worker through the virtual account opening system shown in Figure 7 or 10 It is preferable to comprise.

The card information D / B 1335 provided on the card issuing system according to the present invention provides a card for a daily worker exclusively to the daily worker based on the card issuing application information provided from the card issuing terminal 1340. 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 1335 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 1335 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. No.

According to another exemplary embodiment of the present invention, the card information D / B 1335 may include 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 1335 performs a predetermined information processing function on the card issuing system by using the daily employee dedicated card information, virtual account information, and daily employee 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 1335 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 1300 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 1340 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 1300 is characterized in that it comprises an interface unit 1305 for providing a predetermined card issuing interface to the card issuing terminal 1340 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 1340 is a window terminal connected to a predetermined financial network, the interface unit 1305 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 1340 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 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 can 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 1305 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 issuing application program provided by the card issuing server 1300, the interface unit 1305 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 1340 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1305 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 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.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 1300, the interface unit 1305 connects the communication channel with the client terminal based on the CDMA protocol, 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. 13, the card issuing server 1300 interworks with the interface unit 1305 when a predetermined card issuing terminal 1340 is connected to the card issuing server 1300 through the interface unit 1305. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 1340 to the card issuing terminal 1340. 1310 and an information receiving unit 1315 which receives predetermined card issuing application information transmitted from the card issuing terminal 1340 by inputting (or selecting) through the user interface in association with the interface unit 1305; Based on the received card issuance application information, information generated for generating predetermined daily employee dedicated card information corresponding to the daily employee dedicated card to be issued to the daily worker. The card issuing unit 1325 and a card issuing unit 1330 for issuing a predetermined daily worker dedicated card including the daily worker dedicated card information through a predetermined card issuing device, and a dedicated daily worker dedicated card issued to the daily worker. And an information storage unit 1320 for storing the card information D / B 1335 in association with the corresponding daily employee dedicated card information, virtual account information, and customer information.

The interface providing unit 1310 corresponds to a functional configuration provided in the card issuing terminal 1340 when a predetermined card issuing terminal 1340 is connected to the card issuing server 1300 through the interface unit 1305. Input (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 1300 through the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 1305 to the card issuing terminal 1340 through the network means.

Thereafter, the card issuing terminal 1340 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 1300.

According to an embodiment of the present invention, when the card issuing terminal 1340 is a window terminal connected to a predetermined financial network, the interface providing unit 1310 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 1305.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1340 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 may include 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 1305. .

According to another exemplary embodiment of the present invention, when the card issuing terminal 1340 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1310 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 1305.

The information receiving unit 1315 receives (or selects) predetermined card issuing application information from the card issuing terminal 1340 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 1325.

The information generation unit 1325 generates predetermined one-day worker-only card information to be provided in the one-time worker-only card to the one-time worker based on the card issuance application information received through the information receiving unit 1315. 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 generation unit 1325, the card issuing unit 1330 receives the dedicated employee information on the daily worker through a predetermined card issuing device. 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 comprises a device for recording card information, wherein the information generating unit 1325 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 1330 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 1325 generates the card information dedicated to the daily worker in a file structure operable through a COS (Chip Operating System) provided in the IC chip, the card issuing unit 1330 issuing the card 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 1320 is included in the card worker application card information generated through the information generation unit 1325 and the card issuance application information received from the work worker through the information receiving unit 1315. Characterized in that the virtual account information and the daily employee information (customer information) to process the connection and store in the card information D / B (1335).

14 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.

In more detail, in FIG. 14, in the card issuing system shown in FIG. 13, a predetermined daily worker has at least one predetermined card issuing interface (e.g., at least one card issuing application, a counter terminal and a network means, or a wired terminal or a wireless terminal). Paying virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 7 or FIG. 10 to the card issuing server 1300 through the client terminal and network means, etc.). When providing predetermined card issuance application information for issuing a dedicated card worker dedicated card associated with the card, the card issuance server 1300 is shown in the drawing 7 or 10 to the daily worker based on the provided card issuance 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 employee card, a person having ordinary knowledge in the technical field to which the present invention belongs, various implementations of issuing the dedicated employee card for payment for payment processing by referring to or modifying this drawing 14 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. 14, after producing (or delivering) the dedicated dedicated worker card to the dedicated worker, the card information D / B 1335 specifies dedicated dedicated worker 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 1335 according to the intention of a person skilled in the art may include the daily employee dedicated card. 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. 14, the card issuing terminal 1340 shown in FIG. 13 is referred to as a "terminal" for convenience, and the card issuing server 1300 is referred to as a "server" for convenience.

Referring to FIG. 14, in order to issue the daily worker dedicated card for the salary processing, the daily worker prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface, or When the card issuing system shown in FIG. 13 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 issuance application information is provided to the server through an interface (1400).

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 receives a dedicated card for a daily worker through the card issuing system shown in Figure 13 (or the virtual account shown in Figure 7 or Figure 10) 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 in the name of the one-time worker through the virtual account opening system shown in FIG. 7 or 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 7 or Figure 10 (for example, daily employee name, resident registration number , Address, phone number, mobile phone number, mail address, etc.) can be made.

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 (1405). ).

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. 7 or 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 (1410), the server provides card issuing error information to the daily worker through the card issuing interface. And (1415), 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 (1410), the server is assigned to the daily worker dedicated card to be issued to the daily worker based on the card issuance application information. In operation 1420, a corresponding dedicated daily employee exclusive card information is generated.

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) it to the daily worker (1425).

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 issuing interface and the daily worker information to store in predetermined card information D / B 1335. (1430).

According to an embodiment of the present invention, the card information D / B 1335 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.

15 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. 15 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 FIG. 7 or FIG. 10, the daily worker is employed from a company employing the daily worker. The daily employee dedicated card information (or a card owned by the daily worker (for example, a credit card, a check card, or a debit card, or a cash card) corresponding to the predetermined daily worker dedicated card is provided as a daily worker dedicated card. The card information registration system, if the card worker registration information including the card worker's own card) and the payment virtual account information are provided to the card information registration system shown through a predetermined information registration interface. Included in the Daily Worker Card Registration Information provided above The system configuration for storing the dedicated card information and dedicated payroll dedicated virtual account information in a predetermined storage medium 1530, the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying 15, it is possible to infer various implementation methods for the configuration of a card information registration system for payroll processing through a dedicated employee card, but the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown.

Hereinafter, at least one means or functional configuration for storing daily worker card registration information provided from the daily worker on the storage medium 1530 through a predetermined information registration interface on the card information registration system shown in FIG. 15. The corresponding component is referred to as " information registration server 1500 " for convenience.

Referring to this figure 15 according to the embodiment of the present invention, the card information registration system for the salary processing through the dedicated employee card according to the present invention, the teller terminal 1535 provided in at least one financial institution branch Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 1500 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 written in the application through a teller terminal 1535, and the teller terminal 1535 sends the input (or selects) the information. It is preferable to transmit to the information registration server 1500 provided on the card information registration system through the financial network.

Here, the teller terminal 1535 preferably includes an administrator terminal used by a teller staff provided at the branch of the financial institution, and the information registration server 1500 connected to the teller terminal 1535 is the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal 1535 and the information registration server 1500 is the communication between the teller terminal 1535 and the information registration server 1500 It is preferable to include a network for connecting the channels.

In the card information registration system as described above, a financial network connecting the application prepared by the daily worker and the teller terminal 1535 and the teller terminal 1535 and the information registration server 1500 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 1530 provided on the card information registration system according to the present invention includes the payroll-only virtual account information and the daily worker opened by the daily worker included in the daily worker card registration information provided from the information registration terminal. The exclusive card information may be stored in a predetermined storage medium 1530 by cooperatively processing the information.

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 do.

In addition, the daily employee dedicated card information includes a type of employee card (or membership card or membership card, etc.) paid by the employer employing the daily worker to the daily worker, registration of 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 1530 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 1530 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 1530 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.

The information registration server 1500 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 1535 connected to a predetermined financial network, the information registration server 1500 is connected to the teller terminal 1535 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 1500 is characterized in that it comprises an interface unit 1505 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 1535 connected to a predetermined financial network, the interface unit 1505 is based on the protocol stack defined in the financial network. Connecting a communication channel 1535 with a predetermined communication channel, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 1535. desirable.

Referring to FIG. 15, when the predetermined information registration terminal is connected to the information registration server 1500 through the interface unit 1505, the information registration server 1500 cooperates with the interface unit 1505 to provide the information. An interface providing unit 1510 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 ( An information receiving unit 1515 for receiving predetermined daily employee card registration information transmitted from the information registration terminal through the user interface (1505) and the received daily employee card registration information; Validation unit 1520 for checking the validity, and the daily work muscles included in the daily employee card registration information confirmed validity Process the character-only card information and payment information associated with a dedicated virtual account is characterized in that formed in an information storage unit 1525 which stores a predetermined storage medium (1530).

The interface providing unit 1510 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 1500 through the interface unit 1505. Generate a predetermined user interface that can input (or select) information and transmit it to the information registration server 1500 through the financial network, or extract it from a predetermined database (not shown), and the interface unit 1505. 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 1500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 1535 connected to a predetermined financial network, the interface providing unit 1510 may be a financial transaction related program provided in the window terminal 1535. 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 counter terminal 1535 through the interface unit 1505.

The information receiving unit 1515 inputs (or selects) the daily employee 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 the transmission through the interworking unit, the interface unit 1505 receives the daily employee card registration information, and provides the received daily employee card registration information to the validity check unit 1520.

The validity confirming unit 1520 is characterized in that whether the daily employee card registration information received from the information registration terminal satisfies the validity for salary processing through the dedicated employee 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 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 embodiment of the present invention, the validation of the daily worker card registration information, in connection with a predetermined storage medium for storing at least one or more daily employee dedicated card information held by the company employing the daily worker It may include comparing the daily worker dedicated card information and business information stored in the storage medium with 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 1525 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. The storage medium 1530 may be stored in the storage medium 1530 in a cooperative process. The storage medium 1530 may be provided in the information registration server 1500 or may be provided on a network associated with the information registration server 1500. In this case, the information storage unit 1525 uses the one-time worker information included in the received one-time worker card registration information to link the daily work-only card information and the payment virtual account information to the storage medium 1530. Preferably, the storage medium 1530 is provided in the DBMS provided on the financial system. The unit 1525 uses the daily worker information included in the received daily worker 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.

16 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, FIG. 16 illustrates that the storage worker 1530 illustrated in FIG. 15 is a ledger D / B provided in a DBMS on a financial system. 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 16. However, the present invention provides all the inferred embodiments. It includes a method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 16 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. 7 or FIG. 10 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 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. 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.

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 CIF, and the like.

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. 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 detailed description thereof will be omitted.

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.

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.

In more detail, in FIG. 17, an information registration server 1500 on the card information registration system shown in FIG. 15 functions a ledger server (not shown) on a financial system linked to a counter terminal 1535 through a predetermined financial network. In the case of having a terminal, the window terminal 1535 is connected to the information registration server 1500 to connect a communication channel for registration of card information dedicated to the daily worker according to the present invention, and then the information through the communication channel Registration server 1500, the daily worker information, the payment virtual account information, and the daily worker dedicated card information corresponding to a predetermined daily worker dedicated card received from the company that the daily worker employs the daily worker (or the daily worker Cards owned by workers (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 1500 uses the daily worker information included in the received daily worker card registration information. By performing the process of linking the payment virtual account information and the dedicated employee card information to a predetermined storage medium (or ledger D / B on the financial system), the method of the general knowledge in the art If the person having the present invention can be inferred from various methods of registering the daily employee card registration information from the counter terminal 1535 to the information registration server 1500 by referring to or modifying the drawing 17, the present invention is It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 17, the window terminal 1535 shown in FIG. 15 is called "terminal" for convenience, and the information registration server 1500 shown in FIG. 15 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 to the information registration server 1500 in 1535 are referred to as "daily worker card registration information" for convenience.

Referring to FIG. 17, the window terminal 1535 shown in FIG. 15 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 (1700), the server generates (or extracts) a predetermined information registration interface for registering the daily worker card registration information (1705). In operation 1710, the information registration interface generated (or extracted) 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) daily employee card registration information including at least one daily employee information, payment virtual account information, and daily employee dedicated card information through the information registration interface (1715).

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 (1720), the terminal receives the financial network. The daily worker card registration information including the input (or selected) daily worker information, payment virtual account information, and daily worker dedicated card information is transmitted to the server (1725).

Thereafter, the server receives and reads the daily worker information, the payment virtual account information, and the daily worker dedicated card information through the financial network to confirm the validity of the daily worker card registration information (1730).

According to the method of the present invention, the validity check of the daily employee card registration information, the virtual account shown in Figure 7 or 10 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 (1735), the server generates a predetermined information registration error information and transmits it to the terminal (1740), the information registration 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 (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 processed in association and stored in a predetermined storage medium (or ledger D / B on the financial system) (1745).

According to one embodiment of the invention, the storage medium 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), wherein the storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one or more 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 the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1750), thereby completing the procedure of registering the daily worker card registration information transmitted from the terminal.

In more detail, Figure 18 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 FIG. 7 or FIG. 10, the daily worker from the employer employing the daily worker. The daily employee dedicated card information (or a card owned by the daily worker (for example, a credit card, a check card, or a debit card, or a cash card) corresponding to the predetermined daily worker dedicated card is provided as a daily worker dedicated 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 above mentioned in the provided daily employee card registration information Linked processes the virtual account information and payment information using the card only daily workers yongjik employee information as to the system configuration stored in a storage medium (1830),

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 18 to infer various implementation methods for the configuration of a 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 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 client including at least one wired terminal or a wireless terminal used by the daily worker. And an information registration terminal including at least one terminal or the like, wherein the information registration terminal has a communication channel with the information registration server 1800 provided on the card information registration system through a predetermined network means. Connected.

According to an embodiment of the present invention, the daily worker accesses the information registration server 1800 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. Inputting (or selecting) the daily employee card registration information for the 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 1800, a predetermined network in the client terminal It is preferable to transmit to the information registration server 1800 provided on the card information registration system by means.

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.

In addition, the information registration server 1800 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.

In addition, the network means for connecting the client terminal and the information registration server 1800 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based 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 1800, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 1800. 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 1800) is provided.

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 1800 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). 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 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 1800. ) 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 1800 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 1800 has a function of the information registration interface for registering the daily worker card registration information for the daily employee's salary processing through the dedicated worker card according to the present invention Perform.

The storage medium 1830 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 1830.

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 Characterized in that made.

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 the daily employee salary processing according to the present invention.

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 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 1800 provided on the card information registration system according to the present invention is a generic term for the card information registration system side components connected with the information registration terminal through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to 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 1800 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 to a wireless banking server on a predetermined wireless banking system, the information registration server 1800 is configured on the wireless banking system. Either a predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the external system 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 1800 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 1800 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 an embodiment of the present invention, the information registration server 1800 is characterized by comprising an interface unit 1805 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 1805 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 1805 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 communication program (eg, an internet banking program) provided by the information registration server 1800, the interface unit 1805 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 1805 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 1805 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 1805 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 1800, the interface unit 1805 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 1805 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 1805 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 1805 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. 18, when the information registration server 1800 accesses the information registration server 1800 through the interface unit 1805, the information registration server 1800 cooperates with 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 the information registration terminal to the information registration terminal; An information receiving unit 1815 for receiving predetermined daily employee card registration information input (or selected) and transmitted from the information registration terminal through the user interface in association with 1805 and 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 included therein. And an information storage unit 1825 for storing in the storage medium 1830 of the storage medium.

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 capable of inputting (or selecting) information to be transmitted to the information registration server 1800 via the network means, or extracting 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 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 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 client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 1810 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 1805.

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 1810 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 ATM using the interface unit 1805.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1810 is 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 1805.

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 1810 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 1805. 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 1810 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 1805.

The information receiving unit 1815 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, the inter-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 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 1825 associates the payment virtual account information and the daily worker dedicated card information by using the daily worker information included in the daily worker card registration information. When the storage medium 1830 is provided in the information registration server 1800, or provided on the network associated with the information registration server 1800, The information storage unit 1825 may process the payment virtual account information and the one-time worker dedicated card information by using the one-time worker information included in the received one-time worker card registration information to store in the storage medium 1830. Preferably, when the storage medium 1830 is provided in the DBMS provided on the financial system, the information storage unit 1825 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.

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 non-face-to-face for pay processing through the dedicated employee card according to one embodiment of the present invention.

More specifically, 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 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 can be inferred by referring to or modifying the drawing 19, various information configuration methods for storing the daily employee card registration information in the ledger D / B, but 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. 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. 7 or FIG. 10 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 phone 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. 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.

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.

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 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, used State, 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.

According to an embodiment of the present invention, the customer (eg, at least one payment card (eg, credit card, check card, debit card, prepaid card, etc.) and 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 at least one or more of the account number, abstention (months), period (days), period extension, expiration date and the target amount corresponding to the account ledger, or the account ledger Trust reception information including at least one or more of an account number, a trust amount, a par value, an annuity date, and the number of shares corresponding to an account number, or an account number, a transaction number, a date, a store number, a product type, a transaction type, a present It includes transaction history information including at least one amount, RMB, batch number, compound transaction, date of commencement, bank account line, summary, and CIF.

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. 13 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.

In more detail, in FIG. 20, when the information registration server 1800 on the card information registration system shown in FIG. 19 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 1800 and connecting a communication channel for information registration according to the present invention, the daily worker information and payment virtual account information and the daily work to the information registration server 1800 through the communication channel Card information dedicated to the one-time worker corresponding to a predetermined one-time worker-only card provided by the company employing the one-time worker (or a card owned by the one-time worker (e.g., a credit card, a check card, or a debit card, or If the cash card) is used as a dedicated employee card, And sending the daily worker card registration information including the corresponding card information), the information registration server 1800 uses the daily worker information included in the received daily worker card registration information and the payment virtual account information and daily worker 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. Those skilled in the art to which the present invention pertains may refer to or modify the information of FIG. Although various implementation methods for registering the daily worker card registration information may be inferred by the registration server 1800, the present invention includes all the implementation methods inferred above and is not limited to the implementation method illustrated in FIG. 20. .

Hereinafter, in FIG. 20, the client terminal 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 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 1800 is referred to as "daily worker card registration information" for convenience.

Referring to FIG. 20, when the client terminal shown in FIG. 18 is a predetermined network means (eg, the client terminal is a wired terminal 1835), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1840. 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 through the daily worker dedicated card. When requesting registration of the daily worker card registration information for payroll processing (2000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the daily worker card registration information (2005). In operation 2010, the generated (or extracted) web page is transmitted to the terminal through the communication channel.

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 or more daily worker information, payment virtual account information, and daily worker dedicated 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 receives the communication channel. The 2020 transmits the input (or selected) daily employee information, payment virtual account information, and daily employee dedicated card information to the server through 2025.

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 (2030).

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.

If the validity of the daily worker card registration information is not authenticated (2035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2040), 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 (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 dedicated card information is cooperatively stored in a predetermined storage medium (2045).

According to one embodiment of the invention, the storage medium 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 medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, by which 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 (2050), thereby completing the procedure of registering the daily worker card registration information transmitted from the terminal.

21 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, Figure 21 receives the dedicated employee card according to the present invention through the card issuing system shown in Figure 4 or Figure 13, or the present invention through the information registration system shown in Figure 15 or Figure 18 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 21. The invention encompasses all implementation methods inferred from the above. It shall not be limited to the exemplary method shown in 21.

Hereinafter, at least one or more information for storing and registering at least one or more business information provided by a business person employing at least one or more daily workers on a predetermined storage medium through a predetermined information registration interface shown in FIG. 21. The component corresponding to the means or functional configuration is referred to as " information registration server 2100 " for convenience.

Referring to this figure 21 according to the embodiment of the present invention, a business information registration system for payroll processing through a dedicated employee card, according to the present invention, includes a teller terminal 2135 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 2100 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 staff, the counter staff inputs (or selects) the information written in the application through a predetermined counter terminal 2135. The terminal 2135 transmits the input (or selected) information through the financial network. It is desirable to transmit the information to the registration server 2100 provided on the group information registration system.

Here, the teller terminal 2135 preferably comprises an administrator terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 2100 connected to the teller terminal 2135 includes the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal 2135 and the information registration server 2100 is between the teller terminal 2135 and the information registration server 2100 It is preferable to include a conventional network connecting the communication channels.

In the operator information registration system as described above, an application created by the operator and a financial network connecting the teller terminal 2135 and the teller terminal 2135 and the information registration server 2100 to be 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 2130 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 institution or a public agency or a public corporation), a unique number of a dedicated employee terminal card for a daily worker, is stored in association with the operator account information.

Here, the one-time employee dedicated card terminal unique number, characterized in that provided in the main office (or branch) of the operator, the one-time worker card information read from the one-time worker card information and the input through a predetermined key input It includes a device serial number assigned to a dedicated employee card terminal device for transmitting the salary information of the daily worker to a server (for example, a 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 2130 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 ( 2130 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, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2130 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 2100 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 window terminal 2135 connected to a predetermined financial network, the information registration server 2100 is connected to the window terminal 2135 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 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 financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 2135 connected to a predetermined financial network, the interface unit 2105 is based on the protocol stack defined in the financial network. And connecting a communication channel 2135 with a predetermined communication channel, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 2135. desirable.

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 transmitting predetermined business registration information from the registration terminal to the information registration terminal; and the interface unit 2105. And an information receiving unit 2115 for receiving predetermined business registration information inputted (or selected) and transmitted from the information registration terminal through the user interface, and validity checking for validity of the received business registration information. The unit 2120 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 section 2125 to store the sheet media 2130 is characterized in that formed.

In addition, the information registration server 2100 is provided with a one-time workers dedicated card terminal device for reading a predetermined card information from the one-time workers dedicated card for the salary processing using the one-time workers dedicated card according to the present invention, the operator It may be configured to further include an information generating unit for generating a predetermined operator-specific code to be assigned to the operator performing the 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 2110, when a predetermined information registration terminal is connected to the information registration server 2100 through the interface unit 2105, 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 2100 through the financial network, or extract from a predetermined database (not shown), and interwork with the interface unit 2105. And provide the generated (or extracted) user interface to the information registration terminal through the financial network.

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 2100 is transmitted through a network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal 2135 connected to a predetermined financial network, the interface providing unit 2110 may be a financial transaction related program provided in the window terminal 2135. 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 counter terminal 2135 through the interface unit 2105.

The information receiving unit 2115 inputs (or selects) business registration information including at least one of business information and business account information through the user interface through the user interface, and transmits the information through the financial network. The operator registration information may be received in association with 2105, and the received operator registration information is provided to the validity confirming unit 2120.

The validity confirming unit 2120 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 2125 is characterized in that stored in the storage medium 2130 by processing the business information and the business account information included in the business registration information in association with When the storage medium 2130 is provided in the information registration server 2100 or on the network associated with the information registration server 2100, the information storage unit 2125 may receive the received business registration information. Preferably, the information stored in the storage medium 2130 is stored in the storage medium 2130 by linking the service provider information and the service provider account information included in the storage medium 2130. The unit 2125 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 a service provider unique code corresponding to the service provider is generated through the information generator, the information storage unit 2125 further processes the generated service provider unique code with the service provider information and the service provider account information to store the storage medium. (2130).

More specifically, in FIG. 22, the information registration server 2100 on the operator information registration system shown in FIG. 21 provides a ledger server (not shown) function on the financial system linked to the counter terminal 2135 through a predetermined financial network. In this case, the counter terminal (2135) is connected to the information registration server 2100 communication channel for registration of the company information to process the salary of the daily worker according to the present invention through a predetermined dedicated daily worker dedicated card After the connection, and transmits the business registration information including the business information and the business operator information to the information registration server 2100 through the communication channel, the received business registration in the information registration server 2100 The business information included in the information and the business account information are linked to each other and stored in a predetermined storage medium (or ledger D / B on a financial system). As a method of implementation, those of ordinary skill in the art to which the present invention pertains may register or register the business registration information with the information registration server 2100 in the window terminal 2135 by referring to or modifying the drawing 22. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In this figure 22, the window terminal 2135 shown in FIG. 21 is referred to as "terminal" for convenience, and the information registration server 2100 shown in FIG. 21 is referred to as "server" for convenience, and the window terminal ( The operator information and the operator account information transmitted from the 2135 to the information registration server 2100 are referred to as "business registration information" for convenience.

Referring to FIG. 22, a window terminal 2135 shown in FIG. 21 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. When the business operator who wants to process the salary of the daily worker through the request for registration of predetermined business information (2200), the server generates (or extracts) a predetermined information registration interface for registering the business registration information ( 2205) The generated (or extracted) information registration interface is transmitted to the terminal through the communication channel and output (2210).

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) operator registration information including at least one operator information and operator account information through the information registration interface (2215).

If the terminal registers (or selects) the operator registration information including the operator information and the operator account information through the information registration interface (2220), the terminal enters (or selects) the operator through the financial network. Business registration information including information and business account information is transmitted to the server (2225).

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 (2230).

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 For example, a unique code assigned by a national agency or a public agency or a corporation, etc.).

If the validity of the operator registration information is not authenticated (2235), the server generates predetermined information registration error information and transmits it to the terminal (2240), and does not perform an information registration procedure corresponding to the operator registration information. Do not.

On the other hand, if the validity of the business registration information is authenticated (2235), the server performs an information registration procedure corresponding to the business registration information, by linking the business information and the business account information to a predetermined storage medium (or It is stored in the ledger D / B on the financial system (2245).

According to one embodiment of the invention, the storage medium 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 storage medium is It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one or more 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 the banking system, whereby the present invention is not limited.

Thereafter, the server generates and transmits predetermined information registration history information to the terminal (2250), thereby storing and registering the business registration information transmitted from the terminal to the storage medium (or ledger D / B on a financial system). Complete the procedure.

23 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.

In more detail, the present invention is provided with a dedicated employee card according to the present invention through the card issuing system shown in FIG. 4 or 13, or the information registration system shown in FIG. 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 23 to infer various implementation methods for the construction of a business information registration system for processing the salary of the daily workers using the dedicated daily workers card. The invention encompasses all implementation methods inferred from the above. It shall not be limited to the exemplary method shown in 23.

Hereinafter, at least one or more means for storing, on the storage medium 2330, business registration information provided from a company 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 2300" for convenience.

Referring to FIG. 23 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 service provider accesses the information registration server 2300 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 one-time worker dedicated card according to the present invention through at least one user interface provided by the registration server 2300, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 2300 provided on the operator information registration system through.

The information registration server 2300 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.

In addition, the network means for connecting the client terminal and the information registration server 2300 may be a CDMA-based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based 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 2300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 2300. 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 2300) is provided.

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 2300. 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 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 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 automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information registration server 2300. 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 2300 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) and the information registration server The network connecting the 2300 performs a function of an information registration interface for registering the business registration information for the business operator to pay the salary through the dedicated employee card according to the present invention.

The storage medium 2330 provided on the business information registration system according to the present invention includes the business name, business address, business registration number, representative, telephone number, included in the business registration information provided from the information registration terminal. The operator unique code (for example, a unique code given by a national institution or a public institution or a public corporation), a unique number of a dedicated employee terminal card for a daily employee, is stored in association with the operator account information.

According to an exemplary embodiment of the present invention, the storage medium 2330 may be provided in a DBMS on a financial system provided on the operator information registration system (or associated with the operator information registration system). The storage medium 2330 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 2330 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.

The information registration server 2300 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 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 2300 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 2300 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 2300 is configured on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided in the program, or a program included in the telebanking server, or a predetermined access to the external system of the financial system through the telebanking system. A server (or device) that is a server (or device), a program included in the server (or device), or an external device on the financial system accessible through the telebanking server (or the server (or device)). Or a program included in the external system on the financial system, and the present invention is not limited thereto.

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 2300 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 2300 is characterized in that it comprises an interface unit 2305 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 2305 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 2305 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 (eg, an internet banking program) provided by the information registration server 2300, the interface unit 2305 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 2305 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 2305 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 the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 2305 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 2300, the interface unit 2305 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 2305 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 2305 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 2305 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. 23, the information registration server 2300 connects the information registration server 2300 with the interface unit 2305 when a predetermined information registration terminal is connected to the information registration server 2300 through the interface unit 2305. An interface providing unit 2310 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 2305. An information receiving unit 2315 which receives predetermined business registration information inputted (or selected) and transmitted from the information registration terminal through the user interface, and the business information and the business information included in the received business registration information; And an information storage unit 2325 for linking and processing the operator account information in a predetermined storage medium 2330. .

In addition, the information registration server (2300) is provided with a dedicated employee card terminal device for reading a predetermined card information from the dedicated employee card for the salary processing using the dedicated card for the daily worker according to the present invention, the operator It may be configured to further include an information generating unit (not shown) for generating a predetermined operator-specific code to be assigned to the operator performing the registration.

The interface providing unit 2310 may provide the operator registration information in response to a functional configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server 2300 through the interface unit 2305. Generate a predetermined user interface which can be input (or selected) and transmitted to the information registration server 2300 via the network means, or extract from a predetermined database (not shown), and interwork with the interface unit 2305. And provide the generated (or extracted) user interface to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) the operator registration information including at least one of the operator information and the operator account information on the basis of the user interface, and displays the input (or selected) operator registration information. The information registration server 2300 is transmitted through a 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 2310 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 2305.

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 2310 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 ATM using the interface unit 2305.

According to another 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 2310 is 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 2305.

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 2310 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 2305. 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 2310 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 2305.

When the information receiving unit 2315 inputs (or selects) business registration information including at least one of business information and business account information through the user interface, the information registration terminal 2153 transmits the information through the network means. The operator registration information may be received in cooperation with the unit 2305, and the received operator registration information is provided to the validity confirming unit 2320.

The validity confirming unit 2320 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.

When the validity of the business registration information is confirmed, the information storage unit 2325 is characterized in that the business information contained in the business registration information and the business operator account information to process the stored in the storage medium 2330 When the storage medium 2330 is provided in the information registration server 2300 or on the network associated with the information registration server 2300, the information storage unit 2325 may receive the received business registration information. The information stored in the storage medium 2330 is preferably stored in the storage medium 2330 by linking and processing the business information included in the business account information. The information storage unit is provided in the DBMS provided on the financial system. In operation 2325, the business information and the business account information included in the received business registration information are provided to the information system through an external system on the financial system. Be stored in a DBMS provided on a stem are preferred.

In more detail, FIG. 24 shows a case in which the information registration server 2300 on the operator information registration system shown in FIG. 23 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 2300 and connecting the communication channel for information registration according to the present invention, the business registration including the operator information and the operator account information to the information registration server 2300 through the communication channel When the information is transmitted, the information registration server 2300 relates to an implementation method for linking the business information and the business account information included in the received business registration information stored in a predetermined storage medium, the present invention Those skilled in the art may refer to or modify the drawing of FIG. 24 in the client terminal. Various implementation methods for registering the business registration information with the information registration server 2300 may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. .

Hereinafter, in FIG. 24, the client terminal shown in FIG. 23 is referred to as "terminal" for convenience, and the information registration server 2300 shown in FIG. 23 is referred to as "server" for convenience, and the information registration is performed in the client terminal. The business information and business account information transmitted to the server 2300 is referred to as "business registration information" for convenience.

Referring to FIG. 24, when the client terminal shown in FIG. 23 is a predetermined network means (eg, the client terminal is a wired terminal 2335), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 2340. Is connected to the server through a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet, etc., connects a predetermined communication channel for registering the operator registration information, and performs payroll processing through the dedicated employee card. When requesting the operator information registration for 2400, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the operator registration information (2405), and generates the information through the communication channel. (Or extracted) the web page is transmitted to the terminal for output (2410).

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 (2415).

If the operator registration information including the operator information and the operator account information is input (or selected) through the information registration interface (2420), the terminal is the operator inputted (or selected) through the communication channel. The information and the operator account information are transmitted to the server (2425).

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 (2430).

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

If the validity of the business registration information is not authenticated (2435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2440), 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 and stored in a predetermined storage medium (2445).

According to an embodiment of the present invention, the storage medium may be provided in a DBMS on a financial system provided on the business information registration system (or associated with the business information registration system), wherein the storage medium may be provided. It may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, by which 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 (2450), thereby completing the procedure of registering the business registration information transmitted from the terminal.

According to the present invention, by providing a terminal device with an automatic calculation of the premium payment amount for the daily worker salary payment, there is an advantage that it is possible to attract operators and daily workers account for the daily worker salary transfer processing.

In addition, there is an advantage that can increase the receipts and premium income generated by paying insurance premiums.

Claims

A terminal apparatus comprising a memory unit for storing premium payment amount calculation condition information for calculating premium payment amount,

A card reader unit for reading the daily employee dedicated card information from the daily employee dedicated card issued to the daily worker;

An information input unit for receiving the salary amount to be paid from the employer (the employer having the terminal device) by which the daily worker employs the daily worker;

An insurance premium calculation unit for calculating an insurance premium for the salary amount of the daily worker based on the card information dedicated to the daily worker read through the card reader unit and the salary amount and the condition for calculating the premium payment amount stored in the memory unit;

A professional generation unit for generating a predetermined salary processing approval request full text including the daily employee dedicated card information, the premium payment amount information of the daily employee, and the salary amount information to be actually paid;

A specialized transmission unit for transmitting the generated salary processing approval request telegram to a server (for example, a salary processing server) through a network; And

And a specialized processing unit for receiving and outputting a salary processing approval response message corresponding to the salary processing approval request message from the server through the network.

The method of claim 1, wherein the premium calculation unit,

When calculating the premium payment amount of the daily worker, when the daily worker satisfies the insurance qualification requirements with respect to the premium payment amount calculation condition information stored in the memory, calculates by applying a predetermined calculation rate to the wage amount of the daily worker Insurance payment amount processing terminal device, characterized in that.

A recording medium comprising a program for executing a function of the terminal device constituting means of claim 1 or 2.