KR20090048413A - System for processing pay by using card for daily working-man - Google Patents

Abstract

The present invention relates to a wage processing system using a dedicated employee card, linking the daily employee dedicated card information and the daily employee account information (or withdrawal virtual account information of the daily employee dedicated withdrawal attribute established by using the employer account) Information registration means for processing and storing in the storage medium, and the full payment of the wage payment processing approval request sent from the card terminal when requesting payment of wages using the dedicated employee card, the daily work included in the full wage payment processing approval request Information reading means for reading the employee exclusive card number, the employer information (or the employer exclusive card number) and the payment wage information, and the daily employee account information (or the employer account) corresponding to the daily employee dedicated card number in association with the storage medium. Only for daily workers opened with a mother account The payment virtual account information of the gold attribute), information checking means for confirming the operator account information corresponding to the employer information (or the employer exclusive card number), and withdraw the wages to be paid to the daily worker from the operator account, And information processing means for depositing and processing a worker account (or a virtual account for withdrawal property dedicated to a daily worker), which is opened using the employer account as the mother account.

Daily Worker, Labor, Card

Description

System for Processing Pay by Using Card for Daily Workers {System for Processing Pay by Using Card for Daily Working-man}

1 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.

2 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.

3 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.

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

5 is a diagram illustrating a virtual account ledger configuration corresponding to the establishment of a virtual account dedicated to paying wages according to an embodiment of the present invention.

6 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.

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

8 is a view showing the configuration of a virtual account ledger corresponding to the establishment of a virtual account dedicated to paying wages according to another embodiment of the present invention.

9 is a diagram illustrating a payment virtual account opening process for opening a virtual account dedicated to paying wages according to another embodiment of the present invention.

10 is a diagram illustrating a card issuing system for issuing a dedicated card for payment of wages for daily workers according to one embodiment of the present invention.

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

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

FIG. 13 is a diagram illustrating the configuration of daily employee card registration information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for processing wages through a dedicated employee card according to an embodiment of the present invention.

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

FIG. 15 is a diagram illustrating a non-face-to-face card information registration system for processing wages through a dedicated employee card according to another 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 non-face-to-face for the processing of wages through the dedicated employee card in accordance with an embodiment of the present invention.

FIG. 17 is a diagram illustrating a process of registering daily worker card registration information in a non-face-to-face manner to process wages through a dedicated employee card according to one embodiment of the present invention.

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

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

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

FIG. 21 is a diagram illustrating a process of registering business registration information in a non-face-to-face manner for processing wages through a dedicated employee card according to one embodiment of the present invention.

FIG. 22 is a diagram illustrating a wage payment processing system for processing the wages of daily workers using a dedicated employee card according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating a process of processing the labor worker's wages using a dedicated worker card according to the embodiment of the present invention.

24 is a diagram illustrating a process of processing the daily worker wage by using a dedicated employee card according to another embodiment of the present invention.

<Description of main parts of drawing>

100: card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: card issuing unit 135: storage medium

140: card issuing terminal

The present invention provides an information registration means for linking and storing the daily employee dedicated card information and the daily worker account information (or virtual account information of the withdrawal attribute dedicated to the daily employee opened by using the employer account as a mother account) and the storage medium, and When requesting payment of wages using a dedicated employee card for daily workers, read the full payment payment approval request message sent from the card terminal, and read the dedicated employee payment card number and employer information (or employer-only card number included in the full payment payment approval request). And information payment means for reading the payment wage information and the daily employee employee account information corresponding to the daily employee dedicated card number in association with the storage medium; Account information) and the employer information (or before the employer) Withdrawal attribute dedicated to the daily worker opened by using the information checking means for confirming the business account information corresponding to the card number and the wages to be paid to the daily worker from the business account, and the daily worker account (or the employer account as the mother account). The present invention relates to a wage processing system using a dedicated employee card that includes information processing means for depositing payments into a virtual account.

An object of the present invention for solving the above problems, the storage medium by linking the daily employee dedicated card information and the daily worker account information (or payment virtual account information of the daily employee dedicated withdrawal attribute established by the employer account as a mother account) storage medium In addition to the information registration means stored in the employee's wage payment request, using the card dedicated to the daily worker, read the full wage payment processing approval request sent from the card terminal, the dedicated employee number card included in the full wage payment processing approval request And information reading means for reading the employer information (or the employer exclusive card number) and the payment wage information, and the daily employee account information corresponding to the daily employee exclusive card number in association with the storage medium (or the employer account as the mother account). Virtual account information for withdrawal attributes for single-time workers) And, with information checking means for confirming the operator account information corresponding to the employer information (or the employer exclusive card number), and withdrawing the wages to be paid to the daily worker from the operator account, and the mother employee account (or the employer account). The present invention provides a wage processing system using a dedicated employee card that includes information processing means for depositing the payment into a virtual account of a withdrawal attribute dedicated to the daily employee.

In the wage processing system using the daily employee dedicated card according to the present invention, the integrated processing of the daily employee dedicated card information and the daily employee account information (or the payment virtual account information of the daily employee dedicated withdrawal attribute established by using the employer account). Information registration means for storing in the storage media and the wage payment request request using the dedicated employee card, read the full text of the wage payment processing approval request sent from the card terminal, the daily worker included in the full wage payment processing approval request Information reading means for reading the exclusive card number, the employer information (or the employer exclusive card number) and the payment wage information, and the daily employee account information corresponding to the daily employee dedicated card number in association with the storage medium (or the account of the employer account) Withdrawal attribute for daily workers established by The payment virtual account information), information checking means for confirming the operator account information corresponding to the employer information (or the employer exclusive card number), and withdraw the wages to be paid to the daily worker from the operator account, and the daily worker account ( Or an information processing means for depositing and processing the payment to a virtual account of a withdrawal attribute dedicated to a daily employee opened by using the employer account as a mother account.

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be 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 diagram illustrating a card issuing system for issuing a dedicated card for a daily worker according to an embodiment of the present invention.

In more detail, FIG. 1 shows a predetermined card for requesting a specific daily worker to issue a card for a daily worker dedicated 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 1. Although the present invention may be inferred from the above Includes all exemplary way, only the exemplary method shown in the figure 1 is not limited to the lead.

Hereinafter, at least one means or function for issuing a predetermined worker-only card to the daily worker based on the card issuing application information provided from the daily worker through a predetermined card issuing interface on the card issuing system shown in FIG. Components corresponding to the configuration are referred to as "card issuing server 100" for convenience.

Referring to FIG. 1 according to the embodiment of the present invention, a card issuing system for issuing a dedicated employee card for one-time workers is characterized in that it comprises a teller terminal used by a card issuing staff equipped 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 100 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. Complete a predetermined card issuance application form (e.g., a document with a form for filling in at least one item of information for issuing a card for a one-time worker) and / or the card-issuing employee Visit the daily worker to complete a predetermined card issuance application for issuing the dedicated worker card), and submit the completed card issuance application to the card issuing staff, and the card issuing staff is at a designated window. Enter the information filled in the card issuance application through the terminal (Or selection), and the counter terminal may be transmitted to the card issuing server 100 is provided on the card-issuing institution (or financial institution), through the network means to the information, the input (or selected).

Here, the window terminal preferably comprises a window terminal used by the card issuing staff provided in the financial institution, the card issuing server 100 connected to the window terminal is provided on the predetermined financial system Preferably it comprises a ledger server, the network means for connecting the teller terminal and the card issuing server 100 is a financial network (for example, the network to connect the communication channel between the teller terminal and the card issuing server 100) It is preferable to comprise).

In the card issuing system as described above, the card issuance application created by the daily worker and the window terminal used by the card issuing staff and the financial network connecting the window terminal and the card issuing server 100 are the daily worker. It performs the function of the card issuing interface for registering the card issuing application information for issuance of a card for the daily workers.

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 100 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 100. When the card issuing application information for issuing (or selecting) is input, the client terminal may transmit the card issuing server 100 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 the IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based WLAN It is preferable to include at least one.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 100, and inputs or selects at least one or more information through the user interface to transmit the card issuing server 100 to the card issuing server 100. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 100, 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 and / or wireless terminals, and thus the 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 a business owner who delegates the daily worker), the client terminal and the card issuing server 100 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 140 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. 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 issuance application as described above, when the card issuing terminal 140 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device ( (Not shown) and the financial network connecting the card issuing server 100 performs a function of a card issuing interface for registering the card issuing application information for the issuance of a card for a one-time worker, or the card issuing terminal When 140 is the call terminal (not shown), a wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 100 may be provided by the daily worker. Performs the function of the card issuing interface for registering the card issuing application information for the issuance of a card dedicated to the daily worker, or the card issuing terminal 140 In 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 100 The network connecting a) performs a function of a card issuing interface for registering the card issuing application information for the issuance of a card for a one-time worker.

The storage medium 135 provided on the card issuing institution (or financial institution) according to the present invention is a predetermined daily worker to the daily worker based on the card issuing application information provided from the card issuing terminal 140 After issuing a dedicated 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 one embodiment of the invention, the storage medium 135 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 135 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 135 is provided on (or associated with) a card issuer (or financial institution), an internet banking system, or a telebanking system, 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 135 performs a predetermined information processing function on the card issuing institution (or financial institution) by using the daily worker account information and the daily worker exclusive card information. It is preferable to be provided in a predetermined DBMS interoperating with a server (or a device). In this case, the location where the storage medium 135 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto. No.

The card issuing server 100 provided on the card issuing institution (or financial institution) according to the present invention is connected to the card issuing terminal 140 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 method of the present invention, the card issuing server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined card issuing interface to the card issuing terminal 140 through the network means. .

According to an exemplary embodiment of the present invention, when the card issuing terminal 140 is a window terminal connected to a predetermined financial network, the interface unit 105 is 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 embodiment of the present invention, when the card issuing terminal 140 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 105 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 105 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 100, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 140 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 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 105 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 100, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

* Referring to FIG. 1, the card issuing server 100 is connected to the card issuing server 100 when a predetermined card issuing terminal 140 is connected to the card issuing server 100 through the interface unit 105. 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 140 and providing the card issuing terminal 140 to the card issuing terminal 140. 110 and the information receiving unit 115 for receiving predetermined card issuing application information transmitted from the card issuing terminal 140 through the user interface (or selected) in connection with the interface unit 105. And an information generation unit 125 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 130 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 120 to process and store the information in the storage medium 135.

The interface providing unit 110 corresponds to a functional configuration provided in the card issuing terminal 140 when a predetermined card issuing terminal 140 is connected to the card issuing server 100 through the interface unit 105. Input (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 100 through the network means, or extract from a predetermined database (not shown), It is characterized in that to provide the user interface generated (or extracted) to the card issuing terminal 140 through the network means in conjunction with the interface unit 105.

According to an embodiment of the present invention, the interface providing unit 110 inputs 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 140 through the network means.

According to an embodiment of the present invention, when the card issuing terminal 140 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a card issuing application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

According to another embodiment of the present invention, when the card issuing terminal 140 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 110 may be configured as the client. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program provided in the terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105. Do.

According to another embodiment of the present invention, when the card issuing terminal 140 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 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 105.

According to another embodiment of the present invention, the card issuing terminal 140 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 110 generates a user interface for inputting (selecting) the card issuing application information to the card issuing terminal 140 through the network means ( Or extraction) may be omitted. The present invention is not limited.

Thereafter, the card issuing terminal 140 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server information is input (or selected) through the network means. Send to 100.

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, e-mail address, etc.) and the daily worker member information (eg Member ID information of the daily worker provided in the card issuing institution (or financial institution), or CIF (Customer) of the daily worker provided in the ledger D / B on the financial system provided in the card issuing institution (or financial institution) Information file) or the like).

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 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 115 inputs (or selects) predetermined card issuing application information from the card issuing terminal 140 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 125.

The information generating unit 125 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 115.

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 generation unit 125, the card issuing unit 130 uses the one-day worker exclusive 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 125 generates card information in a data structure recordable in the MS track, and the card issuing unit 130 records the card information in the MS track through the card issuing device, thereby providing the daily worker. 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 125 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 130 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 120 includes the daily worker account information included in the card issuing application information received from the daily worker through the information receiving unit 115 and the card generated by the information generating unit 125. The information is linked and stored in the storage medium 135.

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.

2 is a diagram showing the configuration of information provided in the storage medium 135 in accordance with the issuance of a card dedicated to the daily worker associated with the daily worker account in accordance with an embodiment of the present invention.

In more detail, FIG. 2 illustrates that when the storage medium 135 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system, the ledger information provided in the ledger D / B is used to display the daily employee account information. As a configuration of an information method for a method of real-time worker dedicated card information linked and stored, 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 a method of implementing the daily employee dedicated card information corresponding to the daily employee dedicated 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 2 infers a variety of information configuration provided in the storage medium 135 in accordance with the issuance of a card dedicated to the daily worker linked to 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 135 is not in the ledger D / B on the financial system, but is provided in at least one or more other databases linked to the ledger D / B on the DBMS, or at least one card linked to the financial system. It may be provided on a payment system or a non-face-to-face financial transaction system, whereby the present invention is not limited.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined daily worker customer ledger and an account ledger associated with the daily worker customer ledger ( For example, the reception ledger, the loan ledger, etc.) and at least one card ledger associated with the daily employee customer ledger (or the account ledger), which is one of ordinary skill in the art to which the present invention pertains. The ledger D / B provided in the DBMS on the financial system includes at least one ledger (for example, a loan ledger, a mortgage ledger, ...) or the like in addition to the daily worker ledger and the account ledger and the card ledger shown in FIG. It will be clearly understood that at least one additional information for maintaining and managing the ledgers is further included. Since there is a read group of technical details, the detailed description thereof will be omitted for convenience.

The daily employee's customer ledger includes CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, daily employee name, customer address, regional classification code, telephone number, business number, trade name, classification code, and expiration date. , State headquarters information, settlement date, cash available date, surname, name, resident registration number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The one-time worker customer ledger includes ledger information for one-time workers' customers including at least one of individual customers, corporate customers, and minors.

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

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

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

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

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 means information, such as the date of issue of a dedicated card, and if you have ordinary knowledge in the technical field to which the present invention belongs, you will be familiar with the configuration of the general ledger information for the daily worker only card Detailed description thereof will be omitted for convenience.

3 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. 3, in the card issuing system shown in FIG. And transmitting the predetermined card issuing application information to the card issuing server 100 to the card issuing server 100 through a client terminal and a network means, including the client terminal and the like, and the card issuing application information from the card issuing server 100. As a process for issuing a predetermined daily employee dedicated card based on the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a daily employee dedicated card linked to the daily worker account by referring to or modifying the drawing 3. It is possible to infer various implementation methods for issuing the linked account card for issuance, but the present invention It includes both embodiments in which the inference method, not limited to the exemplary method shown in the figure 3.

Hereinafter, in FIG. 3, the card issuing terminal 140 shown in FIG. 1 is referred to as a "terminal" for convenience, and the card issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 3, 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. 1 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 (300).

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

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

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

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

In addition, the daily 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.

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 (305). ).

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 of issuing the daily worker dedicated card to the daily worker is not authenticated through the card issuing application information (310), the server provides the card issuing error information to the daily worker through the card issuing interface. 315, and stop issuing the daily worker dedicated card 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 (310), 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 320, the corresponding predetermined daily employee dedicated card payment means information is generated.

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

Thereafter, the server prepares a predetermined daily employee dedicated card having the daily employee dedicated card payment means information through a predetermined card issuing device and provides (or delivers) the daily employee to the daily worker (325).

According to an embodiment of the present invention, the card issuing device is 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 in the dedicated employee card In this case, the server generates the daily employee dedicated card payment means information in a data structure recordable on the MS track, by recording the daily employee dedicated card payment means information through the card issuing device to the MS track, It is possible to issue a predetermined daily worker dedicated card to be issued to the daily worker.

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

Thereafter, the server provides the daily worker account information included in the card issuance application information, the generated daily worker dedicated card payment means information, and the daily worker dedicated card payment means information to the MS provided in the daily worker dedicated card card. One-time worker-only card information, including the MS medium information including recorded, and the generated one-time worker-only card payment means information and the one-time worker-only card payment means information to the IC chip provided in the daily worker dedicated card The dedicated card worker information including the IC medium information including the recorded information is interlinked and stored in the storage medium 135 (335).

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 135 is provided to a DBMS on a predetermined financial system provided on the card issuing institution (or financial institution) (or associated with the card issuing institution (or financial institution)). Or a DBMS interoperating with a server (or device) that performs a predetermined information processing function using the daily worker account information and the daily worker exclusive card information on the card issuing institution (or financial institution). It is preferable.

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

In more detail, FIG. 4 shows that a predetermined daily worker requests the establishment of a dedicated virtual account for paying wages 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 an establishment of a system for establishing a virtual wage payment account with an account opened in the name of the mother. Specifically, the daily worker visits a financial institution's window where the payment virtual account is opened. When the payment is made and submitted to the teller, the teller provides the predetermined virtual account opening application information corresponding to the virtual account opening application through the predetermined teller terminal to the payment virtual account opening system according to the present invention. Application for opening the virtual account in the payment virtual account opening system To see to the daily workers will be carried out on how to establish the wages paid virtual account.

Those skilled in the art to which the present invention pertains may refer to or modify the drawing 4 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 inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, on the basis of the virtual account opening application information provided from the daily worker through a predetermined virtual account opening interface on the payment virtual account opening system shown in FIG. 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 400 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, a system for opening a virtual account for paying a virtual account for paying wages includes a teller terminal used by a teller provided with at least one financial institution. The teller terminal is connected to a payment virtual account opening server 400 provided on the payment virtual account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the daily worker visits the financial institution to open the wage-only virtual account and through the window provided to the financial institution (or through a cashier) the virtual account for the wage-payment only. Prepare a prescribed application for opening a virtual account for opening (e.g., a document with a form for filling in at least one item of information for opening a virtual account for wage payment only) (or the teller visits the daily worker The daily worker to prepare a virtual account opening application for opening the pay-only virtual account), and submit the completed virtual account opening application to the window staff, and the window staff sends the Enter (or select) the information entered in the virtual account opening application form, and open the counter terminal. Preferably, the input (or selected) information is transmitted to the payment virtual account opening server 400 provided on the payment virtual account opening system through the financial network.

In this case, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the payment virtual account opening server 400 connected to the teller terminal is a financial system in which the wage payment virtual account is opened. It is preferable to include a ledger server provided on the, the financial network connecting the teller terminal and the payment virtual account opening server 400 is connected to the communication channel between the teller terminal and the payment virtual account opening server 400. It is preferable to comprise the network to say.

In the payment virtual account opening system as described above, the virtual network opening application form created by the daily worker, the window terminal used by the teller and the window terminal and the financial network connecting the payment virtual account opening server 400 is The daily worker performs a function of a virtual account opening interface for registering the virtual account opening application information for opening the virtual account dedicated to paying wages.

At the request of the daily worker, a financial institution that establishes a virtual account dedicated to paying wages may provide a service for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one or more financial transaction clients. 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 virtual account dedicated to paying wages through opening and operating 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 virtual account dedicated to paying wages through opening and operating 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 a mobile terminal), wherein the financial transaction service is provided for opening a virtual account dedicated to paying wages through opening and operating the payment virtual account. It is desirable to include financial transaction services.

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 dedicated to paying wages 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 virtual account dedicated to paying wages 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 paying wages 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 through the financial transaction service, including the financial transaction service for opening a virtual account dedicated to paying wages 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 And 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 required to open a virtual account for paying the wages through opening and operating the payment virtual account. It is preferable to include a transaction service.

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

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. 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 400 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 400 is characterized in that it comprises an interface unit 405 for providing a predetermined virtual account opening interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface unit 405 has a predetermined communication channel with the teller 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. 4, when the payment virtual account opening server 400 accesses the payment virtual account opening server 400 through the interface unit 405, the payment virtual account opening server 400 interworks with the interface unit 405. An interface providing unit 410 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 provide the window terminal to the window terminal; An information receiving unit 415 for receiving predetermined virtual account opening request information transmitted from the counter terminal through the user interface in connection with 405 and based on the received virtual account opening request information; An information generation unit 420 for generating predetermined virtual account ledger information corresponding to the wage payment virtual account to be opened to the daily worker; An information storage unit 425 is provided in the ledger D / B on the system to store the generated virtual account ledger information in association with the account ledger of the financial account corresponding to the business account (parent account) associated with the payment virtual account. Characterized in that made.

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

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface providing unit 410 is a predetermined user that can be provided as a payment virtual account opening program provided in the teller terminal. It is preferable to generate (or extract) an interface and provide the generated user interface to the window terminal through the interface unit 405.

The information receiving unit 415 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 405. Characterized in that the application for opening establishment, and provides the received virtual account opening application information to the information generating unit 420.

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

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

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 contract details, contract date and time, working period, working hours, payment wage.

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

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 420 generates predetermined virtual account ledger information to be provided in the wage payment virtual account opened in the name of the daily worker based on the virtual account opening application information received through the information receiving unit 415. 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 wage payment dedicated virtual account is generated by the information generation unit 420, the information storage unit 425 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.

5 is a view showing the configuration of a virtual account ledger corresponding to the establishment of a virtual account dedicated to paying wages according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates an account ledger corresponding to a business account provided in the ledger D / B 500 on the financial system for opening the virtual pay-only account in the payment virtual account opening system shown in FIG. As 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 dedicated to payment by referring to or modifying the drawing 5 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. 5, the virtual account ledger corresponding to the wage paid virtual account opened in the name of the one-time worker for opening the wage-only virtual account is linked to the account ledger corresponding to the business account employing the one-time worker. And the ledger D / B 500 on the financial system, and the account ledger corresponding to the operator account is linked to a predetermined customer ledger corresponding to the operator.

In this figure 5 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 FIG. 5, the account ledger corresponding to the business account employing the daily employee is linked to the customer ledger in a relational manner, and includes an account number, a CIF number, a point number, a currency, an opening date, a state, a product type, an interest rate, a password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes account ledger information, which includes at least one of the system account, whether the consolidation is linked, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, or an account number corresponding to the ledger, a deposit amount, face value, and yearly Trust reception information including at least one or more days and the number of shares, or an account number corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

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

Referring to FIG. 5, 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. Including at least one ledger information to be included in the account ledger provided in the ledger D / B 500 (or virtual account to be equipped to process at least one or more financial transactions requested by the daily worker) Can be done.

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 wage payment 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.

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

In more detail, in FIG. 6, in the payment virtual account opening system shown in FIG. 4, a predetermined daily worker uses the payment virtual account through a predetermined virtual account opening interface (eg, a virtual account opening application and a counter terminal and a financial network). When the predetermined virtual account opening application information is transmitted to the opening server 400, the payment virtual account opening server 400 is a process for opening a predetermined wage 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 dedicated to paying wages by referring to or modifying the drawing 6, but the present invention is inferred from the implementation method. It includes all, and is not limited to the embodiment shown in FIG.

In the following Figure 6, the window terminal shown in Figure 4 is referred to as "terminal" for convenience, and the payment virtual account opening server 400 is referred to as "server" for convenience.

Referring to FIG. 6, a daily employee who intends to open the wage payment virtual account prepares a predetermined virtual account opening application form and submits the created virtual account opening application form, and the terminal receives the virtual account opening interface through the virtual account opening interface. The virtual account opening application information included in the opening application is provided to the server (600).

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

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

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 contract details, contract date and time, working period, working hours, payment wage.

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. (605).

Here, the validity of the virtual account opening includes 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 500 on the financial system. It is preferable to make it.

If the validity to open the wage payment dedicated virtual account to the daily worker is not authenticated through the virtual account opening application information (610), the server pays the wage to the daily worker through the virtual account opening interface. In operation 615, the virtual account opening error information is provided, and the operation of opening the virtual account for paying the wages according to the present embodiment is stopped.

On the other hand, if the validity of opening the virtual account dedicated to paying the wages to the daily worker is authenticated through the virtual account opening application information (610), the server is going to open to the daily worker based on the virtual account opening application information In operation 620, the 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 500 provided on the financial system (or the virtual account is Preferably at least one ledger information which must be provided to process the requesting at least one financial transaction.

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

Thereafter, the server checks the account ledger corresponding to the business account to be linked to the payment virtual account to be opened to the daily worker among at least one account ledger provided on the ledger D / B 500 on the financial system ( 625).

If the account ledger corresponding to the business operator account to be linked to the wage payment dedicated virtual account to be opened to the daily worker is confirmed (630), the server is provided on the ledger D / B (500) on the financial system Create a virtual account ledger in the name of the daily worker that is linked to the account ledger corresponding to the account (635), and linked to the account ledger corresponding to the operator account in the ledger D / B (500) on the financial system generated The generated virtual account ledger information is stored in the created virtual account ledger (640).

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

In more detail, FIG. 7 illustrates that when a single daily worker requests to open a dedicated virtual account for paying a wage through a virtual account opening interface including at least one non-face-to-face financial transaction channel, the daily workers in the payment virtual account opening system shown in FIG. A system for setting up a virtual account dedicated to paying wages using a business account hiring a business account, 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 is based on the virtual account opening application information for the implementation method for opening the dedicated wage payment virtual account of the daily worker name.

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 constructing a payment virtual account opening system for opening a virtual account dedicated to paying wages. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, on the payment virtual account opening system shown in FIG. 7, a virtual account opening dedicated to wage payment is provided 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 700" for convenience.

Referring to FIG. 7 according to the embodiment of the present invention, the payment virtual account opening system for opening a pay-only virtual account is provided when 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 700, wherein the terminal is via a predetermined network means. A communication channel is connected to a payment virtual account opening server 700 provided on the payment virtual account opening system.

According to one embodiment of the present invention, when the payment virtual account opening system supports the establishment of a non-face-to-face wage payment 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 700 through at least one or more client terminals of the terminal, and for opening the wage-only virtual account through at least one user interface provided by the payment virtual account opening server 700 When the virtual account establishment application information is input (or selected), it is preferable that the client terminal transmits to the payment virtual account opening server 700 provided on the payment virtual account opening system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or 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 user interface provided by the payment virtual account opening server 700, and input or select at least one information through the user interface to open the payment virtual account opening server 700 It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the payment virtual account opening server 700, etc.) is provided.

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

In the 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 700. 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 dedicated payable 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 700 performs a function of a virtual account opening interface for the daily worker to register the virtual account opening application information for opening the wage-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 700 is provided by the daily worker. Function of a virtual account opening interface for registering the virtual account opening application information for opening the virtual account dedicated to paying wages Or when 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 a network connecting the payment virtual account opening server 700 performs a function of a virtual account opening interface for the daily worker to register the virtual account opening application information for opening the payment-only virtual account.

At the request of the daily worker, a financial institution that establishes a virtual account dedicated to paying wages may provide a service for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one or more financial transaction clients. 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 virtual account dedicated to paying wages through opening and operating 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 virtual account dedicated to paying wages through opening and operating 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 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 paying wages 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 virtual accounts dedicated to paying wages. 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 (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 virtual account dedicated to paying wages 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 paying wages 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 through the financial transaction service, including the financial transaction service for opening a virtual account dedicated to paying wages 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 And 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 required to open a virtual account for paying the wages 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. In addition, the accounting system for processing counter services such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), the information system for processing the headquarters business, the branch information support and customer information management, and 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 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 banking 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 of the system, a detailed description thereof will be omitted for convenience, and thus 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 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 700 is characterized in that it comprises an interface unit 705 for providing a predetermined virtual account opening interface to the terminal via the network means.

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 unit 705 is defined in the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. have.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 705 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 700 is provided in the client terminal, the interface unit 705 communicates with the client terminal based on the TCP / IP protocol. A channel may be connected and a communication interface for transmitting and receiving information (or data) may be provided using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 705 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 700 is provided in the client terminal, the interface unit 705 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. 7, the payment virtual account opening server 700 is linked with the interface unit 705 when a predetermined 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 terminal to the terminal and the interface unit 705. And an information receiving unit 715 for receiving predetermined virtual account opening application information transmitted from the terminal through the user interface and inputting (or selecting), and the daily worker based on the received virtual account opening application information. An information generating unit 720 for generating predetermined virtual account ledger information corresponding to the pay-only virtual account to be opened to the employee; And an information storage unit 725 configured to store the generated virtual account ledger information in D / B in association with the account ledger of the financial account corresponding to the business account for hiring the daily employee associated with the payment virtual account. It is characterized by.

The interface providing unit 710, when a predetermined terminal is connected to the payment virtual account opening server 700 through the interface unit 705, 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 700 through the network means, or extract from a predetermined database (not shown), and the interface unit 705 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 ( 700).

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 710 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 705.

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 710 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 705.

The information receiving unit 715 inputs (or selects) predetermined virtual account opening application information through the user interface through the user interface in the terminal and transmits it through the network means, and opens the virtual account in cooperation with the interface unit 705. Characterized by receiving the application information, and provides the received virtual account opening application information to the information generating unit 720.

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

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

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 contract details, contract date and time, working period, working hours, payment wage.

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.

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 720 may provide predetermined virtual account ledger information to be provided in the wage payment 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 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 job) It is preferred to include at least one ledger information which the worker must have in order to process at least one financial transaction requested.

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

When predetermined virtual account ledger information to be included in the wage payment-only virtual account is generated by the information generator 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 virtual account dedicated to paying wages according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates an operator employing the daily workers provided in the ledger D / B on the financial system to open a virtual account dedicated to paying wages for the daily workers in the payment virtual account opening system shown in FIG. The structure of the virtual account ledger to be processed in connection with the account ledger corresponding to the account, if the person of ordinary skill in the art belongs, refer to or modify this figure 8 for the purpose of opening a virtual account dedicated to paying wages Various implementation methods for the virtual ledger configuration 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. 8, the virtual account ledger corresponding to the wage paid virtual account opened in the name of the one-time worker for opening the wage-only virtual account is linked with the account ledger corresponding to the business account employing the one-time 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 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 operator account is linked to the customer ledger in a relational form, 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. At least one of periodic receipt information including at least one of (day), extension of time, expiration date, and target amount, or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information included above or account number, transaction number, date, point number, commodity type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of settlement, bank account Transaction history information including at least one of a line, a summary, a CIF, and the like.

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

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 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 The amount corresponds to the virtual account balance, and the actual balance of the paid virtual account is deposited in the business account. It is.

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

9 is a diagram illustrating a payment virtual account opening process for opening a virtual account dedicated to paying wages according to another embodiment of the present invention.

In more detail, FIG. 9 shows a client terminal and a network means in which a given daily worker includes a predetermined virtual account opening interface (eg, at least one wired terminal or a wireless terminal) in the payment virtual account opening system shown in FIG. Etc.), when the predetermined virtual account opening application information is transmitted to the payment virtual account opening server 700, the payment virtual account opening server 700 transmits a predetermined wage 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 pertains may infer various implementation methods of opening a virtual account for paying wages by referring to or modifying the drawing 9, The present invention encompasses all of the inferred practice methods, and is limited to the practice method shown in FIG. Not.

Hereinafter, in FIG. 9, the payment virtual account opening server 700 shown in FIG. 7 is referred to as a "server" for convenience.

Referring to FIG. 9, the daily worker accesses the server through the network means using the terminal to establish the virtual account for paying the wage, and establishes a virtual account for opening the wage paying virtual account to the server. An interface is requested (900), and in response, the server extracts (or generates) a virtual account opening interface for opening the wage payment virtual account and provides the terminal to the terminal (905).

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 (910). .

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

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

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

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 contract details, contract date and time, working period, working hours, payment wage.

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 the employee can open the wage payment virtual account for the daily worker. Confirm (915).

In this case, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the business operator account information that employs 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 that it consists of including.

If the validity to open the wage-only virtual account to the daily worker is not certified through the virtual account opening application information (920), the server pays the virtual worker to the daily worker through the virtual account opening interface. The establishment error information is provided (925), 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 through the virtual account opening application information is authenticated (920), the server based on the virtual account opening application information payment virtual account to open to the daily worker In operation 930, virtual account ledger information corresponding to the customer name is generated.

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

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

Thereafter, the server checks the account ledger corresponding to the business account to be linked to the payment virtual account to be opened to the daily worker among at least one account ledger provided on the ledger D / B on the financial system (935).

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 (940), 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 to be linked to the ledger (945), 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 (950).

10 is a diagram illustrating a card issuing system for issuing a dedicated card for payment of wages for daily workers according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates that a given daily worker associates with a payment virtual account opened under the name of the daily worker through the virtual account opening system shown in FIG. 4 or 7 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. 4 or 7. As a system configuration for issuing a dedicated daily worker dedicated card linked to a payment virtual account opened in the name of the worker, if the person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify this figure 10 to serve as a daily worker Various implementation methods for card issuing system configuration for processing It may be inferred from the law, but the present invention includes all the implementation methods inferred from the above, 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 issuing application information provided from the daily worker through a predetermined card issuing interface on the card issuing system shown in FIG. Or the component corresponding to the functional configuration is referred to as "card issuing server 700" for convenience.

Referring to this figure 10 according to the embodiment of the present invention, a card issuance for issuing a dedicated employee card issued in connection with the payment virtual account opened in the name of the daily worker through the virtual account opening system shown in Figure 4 or 7 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 1000 provided on the card issuing system through a predetermined network means. The channel is connected.

According to an exemplary embodiment of the present invention, the daily worker is the financial worker for issuing a dedicated daily worker dedicated card associated with the payment virtual account opened in the name of the daily worker through the virtual account opening system shown in Figure 4 or 7 Visit the institution and through the counter provided to the financial institution (or through the card issuing staff) a predetermined card issuance application for issuing a dedicated worker card (e.g., at least one or more information for issuing a worker card only) (Or a document with a form for filling out an item) (or the card issuer visits the customer and asks the customer to fill out a predetermined card issuance application for issuing the card for the daily worker), When the completed card issuance application is submitted to the card issuance officer, The card issuing clerk enters (or selects) the information entered in the card issuing application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) information to the card issuing system through the network means. It is preferable to transmit to the card issuing server 1000 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 1000 connected to the teller terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the teller terminal and the card issuing server 1000 is a financial network (for example, the network to connect the communication channel between the teller terminal and the card issuing server 1000). It is preferable to comprise).

In the card issuing system as described above, the card issuance application prepared by the daily worker and the window terminal used by the card issuing staff and the financial network connecting the window terminal and the card issuing server 1000 are the daily worker. A function of the card issuing interface for registering card issuing application information for issuing a dedicated worker card associated with a payment virtual account opened in the name of a one-time worker through the virtual account opening system shown in FIG. 4 or 7 is provided. Perform.

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. The card issuing server 1000 is connected through at least one client terminal, and at least one user interface provided by the card issuing server 1000 is provided through the virtual account opening system shown in FIG. 4 or 7. Entering (or selecting) card issuance application information for issuing a card for a one-time worker associated with a payment virtual account opened in a worker's name, the card terminal is provided on the card issuing system through a predetermined network means at the client terminal. It is preferable to transmit to the server 1000.

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

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

In addition, the client terminal outputs at least one user interface provided by the card issuing server 1000, and inputs or selects at least one or more information through the user interface to transmit the card issuing server 1000 to the card issuing server 1000. 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 1000, 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 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 1000. The network issuing a card 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 through the virtual account opening system shown in FIG. 4 or 7. Perform the function of the interface.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 1040 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. 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 1040 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 1000 is a one-time worker linked to the payment virtual account opened in the name of the daily worker through the virtual account opening system shown in Figure 4 or 7 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 1040 is the call terminal (not shown), the call terminal (not shown) and the A wired telephone network or a wireless telephone network that connects a call terminal (not shown) and the card issuing server 1000 may be used by the one-time worker in FIG. 4 or 7. It performs a function of the card issuing interface for registering the card issuance application information for issuing a dedicated card for the day worker linked to the payment virtual account opened in the name of the day worker through the open virtual account opening system, or the card issuing terminal (1040) 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 card issuance. The network connecting the server 1000 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 Figure 4 or 7 It performs the function of card issuing interface for registering information.

According to the method of the present invention, the card issuance application information is issued through the card issuing system shown in FIG. 10 to receive a dedicated employee card (or through the virtual account opening system shown in FIG. 4 or FIG. 7). 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. 4 or FIG. 7. .

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. 4 or 7 (eg, customer name, resident registration number, 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 4 or 7 It is desirable to include.

The card information D / B 1035 provided on the card issuing system according to the present invention provides a card for a daily worker exclusive to a daily worker based on the card issuing application information provided from the card issuing terminal 1040. 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 1035 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 1035 may be a ledger D / B provided in a 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 card information D / B 1035 may be an electronic payment system, an internet banking system, a telebanking system, or a wireless banking system provided on (or associated with) the card issuing system. It is possible to be provided in the DBMS on the at least one banking system of the system, or TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the card information D / B 1035 performs a predetermined information processing function on the card issuing system by using the daily employee dedicated card information, virtual account information and daily worker information. It is preferable to be provided in a predetermined DBMS interoperating with a server (or a device). At this time, the position where the card information D / B 1035 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 1000 provided on the card issuing system according to the present invention is a generic term for the card issuing system side components connected to the card issuing terminal 1040 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 1000 is characterized in that it comprises an interface unit 1005 for providing a predetermined card issuing interface to the card issuing terminal 1040 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 1040 is a window terminal connected to a predetermined financial network, the interface unit 1005 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 1040 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 includes the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. A communication interface can be provided.

For example, 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 the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 1000, the interface unit 1005 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 1040 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1005 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 1005 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 1000, the interface unit 1005 connects a 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. 10, the card issuing server 1000 is interlocked with the interface unit 1005 when a predetermined card issuing terminal 1040 is connected to the card issuing server 1000 through the interface unit 1005. 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 1040 to the card issuing terminal 1040. 1010, an information receiving unit 1015 for receiving predetermined card issuing application information transmitted from the card issuing terminal 1040 through the user interface (or selected) in association with the interface unit 1005; 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. Card 1025, a card issuing unit 1030 for issuing a predetermined day workers dedicated card including the card information dedicated to the daily workers through a predetermined card issuing device, and a dedicated daily workers dedicated card issued to the daily workers And an information storage unit 1020 for storing the card information D / B 1035 in association with the corresponding one-time worker dedicated card information, virtual account information, and customer information.

The interface providing unit 1010 corresponds to a functional configuration provided in the card issuing terminal 1040 when a predetermined card issuing terminal 1040 is connected to the card issuing server 1000 through the interface unit 1005. Input (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 1000 through the network means, or extract from a predetermined database (not shown), The card user terminal 1040 may provide the user interface generated (or extracted) in cooperation with the interface unit 1005 through the network means.

Thereafter, the card issuing terminal 1040 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. Transmit to 1000.

According to an embodiment of the present invention, when the card issuing terminal 1040 is a window terminal connected to a predetermined financial network, the interface providing unit 1010 may be provided as 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 1005.

According to another embodiment of the present invention, when the card issuing terminal 1040 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 the client. The user interface generated by the browser program or the communication program provided 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 1005. .

According to another exemplary embodiment of the present invention, when the card issuing terminal 1040 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1010 is a browser provided in the client terminal. A predetermined 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 1005.

The information receiving unit 1015 inputs (or selects) predetermined card issuing application information from the card issuing terminal 1040 through the user interface and transmits the information through the network means, and interlocks with the interface unit 1005. Characterized in that the card issuance request information is received, the received card issuance application information is provided to the information generating unit 1025.

According to the method of the present invention, the card issuance application information is issued through the card issuing system shown in FIG. 10 to receive a dedicated employee card (or through the virtual account opening system shown in FIG. 4 or FIG. 7). 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. 4 or FIG. 7. .

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 4 or 7 It is preferable to comprise.

* The information generating unit 1025 is to generate a predetermined daily worker dedicated 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 1015 It features.

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 1025, the card issuing unit 1030 uses the predetermined card issuing device to provide the daily employee dedicated card information. Producing a dedicated daily worker card including (or having the daily worker dedicated card information in the daily worker dedicated card), the daily worker dedicated card is provided (or shipped) to the daily worker.

If the one-time worker dedicated card is an MS (Magnetic Stripe) card, the card issuing apparatus is dedicated to the one-time worker on at least one or more MS tracks (eg, track I, track II, track III) provided in the one-time worker dedicated card. It comprises a device for recording card information, wherein the information generation unit 1025 generates a dedicated card worker information in a data structure that can be recorded on at least one or more MS track, the card issuing unit 1030 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 1025 generates the card information dedicated to the daily worker in a file structure operable through the COS (Chip Operating System) provided in the IC chip, the card issuing unit 1030 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 wage treatment system according to the present invention. You will use a dedicated card.

Thereafter, the information storage unit 1020 is included in the card worker dedicated card information generated through the information generation unit 1025, and the card issuance application information received from the work worker through the information receiving unit 1015. Characterized in that the virtual account information and the daily employee information (customer information) is processed in association with the card information D / B (1035) and stored.

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

In more detail, in FIG. 11, in the card issuing system shown in FIG. Paying virtual account opened in the name of the daily worker through the virtual account opening system shown in FIG. 4 or 7 to the card issuing server 1000 to the card issuing server 1000 through a client terminal and a network means, etc.). When providing predetermined card issuance application information for issuing a dedicated day worker dedicated card associated with the card issuance, the card issuing server 1000 to the one-time worker based on the provided card issuance application information shown in Figure 4 or 7 Work linked to the payment virtual account opened in the name of the daily worker through the 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 daily employee dedicated card for payment processing by referring to or modifying this drawing 11 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. 11, after producing (or delivering) the dedicated dedicated worker card to the daily worker, the card information D / B 1035 specifies the 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 1035 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. 11, the card issuing terminal 1040 shown in FIG. 10 is referred to as a "terminal" for convenience, and the card issuing server 1000 is referred to as a "server" for convenience.

Referring to FIG. 11, in order to receive the one-time worker-only card for the labor process, the one-time 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. 10 supports a non-face-to-face card issuance application, the daily worker inputs (or selects) predetermined card issuance application information through a predetermined client terminal, and then issues a predetermined card issuance. The card issuing request information is provided to the server through an interface (1100).

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

In addition, the card issuing application information provided to the server through the card issuing interface is a card for a daily worker is issued through the card issuing system shown in Figure 10 (or the virtual account shown in Figure 4 or 7) One-time workers (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 daily worker through the virtual account opening system shown in FIG. 4 or 7 It is preferable to include information.

Here, the daily worker 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 4 or Figure 7 (for example, daily worker name, resident registration number , Address, phone 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 4 or 7 It is preferable to comprise.

When predetermined card issuance application information is received through the card issuance interface, the server reads the received card issuance application information, thereby confirming the validity of issuing the one-time worker-only card to the one-time worker (1105). ).

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 virtual worker information through the virtual account opening system shown in FIG. It is preferable to include checking whether a corresponding payment virtual account is opened.

If the validity for issuing the daily worker dedicated card to the daily worker is not authenticated through the card issuing application information (1110), the server provides the card issuing error information to the daily worker through the card issuing interface. 1115, and stops issuing the dedicated worker card 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 (1110), 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 1120, the card information corresponding to a predetermined daily worker 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 employee dedicated card having the daily employee dedicated card information through a predetermined card issuing device and provides (or delivers) the daily employee to the daily worker (1125).

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 exclusive card information with the virtual account information provided from the daily worker and the daily worker information through the card issuing interface to store in the predetermined card information D / B 1035. (1130).

According to an embodiment of the present invention, the card information D / B 1035 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.

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

In more detail, FIG. 12 shows that after a virtual account dedicated to paying wages is opened in the name of a predetermined daily worker through the virtual account opening system shown in FIG. 4 or FIG. 7, the daily worker employs 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 This is a system configuration for linking and processing the daily employee dedicated card information and payroll dedicated virtual account information in a predetermined storage medium 1230, if one of ordinary skill in the art to which the present invention belongs, By referring to or modifying 12, it is possible to infer various implementation methods for the configuration of the card information registration system for the treatment of wages through the employee-only 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 through the predetermined information registration interface on the storage medium 1230 on the card information registration system shown in FIG. The corresponding component is referred to as " information registration server 1200 " for convenience.

Referring to FIG. 12 in accordance with an embodiment of the present invention, a card information registration system for wage processing through a dedicated employee card according to the present invention includes a counter terminal 1235 provided at 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 1200 provided on the card information registration system through a predetermined financial network.

According to one embodiment of the present invention, the daily worker visits the financial institution branch for the treatment of the wage through the dedicated employee card according to the present invention, and through the window provided at the financial institution branch (or tell the counter staff) Fill out a prescribed application form (e.g., a document with a form for filling in at least one item of information for the treatment of the employee through the employee card). Is submitted to the teller, the teller inputs (or selects) the information written in the application through a designated teller terminal 1235, and the teller terminal 1235 sends the input (or selected) the information. It is preferable to transmit to the information registration server 1200 provided on the card information registration system through the financial network.

Here, the teller terminal 1235 preferably includes a manager terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 1200 connected to the teller terminal 1235 is the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal 1235 and the information registration server 1200 is the communication between the teller terminal 1235 and the information registration server 1200 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 form prepared by the daily worker and the teller terminal 1235 and the teller terminal 1235 and the information registration server 1200 used by the teller employee The daily worker performs a function of the information registration interface for registering the daily worker dedicated card information for the processing of wages through the dedicated worker card according to the present invention.

The storage medium 1230 provided on the card information registration system according to the present invention is the wage payment-only virtual account information opened by the daily worker included in the daily worker card registration information provided from the information registration terminal and daily worker The exclusive card information may be linked and stored in a predetermined storage medium 1230.

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 virtual account dedicated to paying wages do.

In addition, the daily employee dedicated card information includes a kind of employee card (or membership card or membership card, etc.) number that the employer employing the daily worker pays the daily worker, and registers the card information shown in FIG. After the predetermined card information registration is made through the system, it is characterized in that it is used for one-time worker wage 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 1230 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 1230 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 1230 is 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 1200 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 counter terminal 1235 connected to a predetermined financial network, the information registration server 1200 is connected to the counter terminal 1235 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 1200 is characterized in that it comprises an interface unit 1205 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an exemplary embodiment of the present invention, when the information registration terminal is a window terminal 1235 connected to a predetermined financial network, the interface unit 1205 is based on the protocol stack defined in the financial network. 1235) and a predetermined communication channel, and it is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 1235. Do.

Referring to FIG. 12, the information registration server 1200 connects the information registration server 1200 with the interface unit 1205 when a predetermined information registration terminal is connected to the information registration server 1200 through the interface unit 1205. An interface providing unit 1210 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; An information receiving unit 1215 for receiving predetermined one-time worker card registration information transmitted from the information registration terminal through the user interface (1205) and the received one-time worker card registration information. Validation unit 1220 for checking the validity, and the daily work muscles included in the daily employee card registration information confirmed validity And an information storage unit 1225 for linking and processing the Rosa-only card information and the payment-only virtual account information in a predetermined storage medium 1230.

The interface providing unit 1210 registers the daily employee 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 1200 through the interface unit 1205. Generate a predetermined user interface that can input (or select) information and transmit it to the information registration server 1200 through the financial network, or extract it from a predetermined database (not shown), and the interface unit 1205. 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 or more daily employee-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 1200 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a counter terminal 1235 connected to a predetermined financial network, the interface provider 1210 may be a financial transaction related program provided in the counter terminal 1235. 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 1235 through the interface unit 1205.

The information receiving unit 1215 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 transmitting through the interface unit 1205, the daily employee card registration information is received in conjunction with the interface unit 1205, and provides the received daily worker card registration information to the validity check unit 1220.

The validity confirming unit 1220 is characterized in that whether the daily employee card registration information received from the information registration terminal satisfies the validity for the labor process through the dedicated employee card.

According to the method of the present invention, the validation of the daily employee card registration information, the virtual account opening system shown in Figure 4 or 7 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 processing of the one-time worker labor through the one-time worker-only 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 1225 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 1230 may be stored in the storage medium 1230 in a cooperative process. The storage medium 1230 may be provided in the information registration server 1200 or may be provided on a network associated with the information registration server 1200. In this case, the information storage unit 1225 processes the dedicated daily worker exclusive card information and the payment virtual account information by using the daily worker information included in the received daily worker card registration information to the storage medium 1230. Preferably, the storage medium 1230 is stored in the DBMS provided on the financial system. The part 1225 provides the daily employee dedicated card information and the payment virtual account information to the information system through the external system on the financial system by using the daily worker information included in the received daily employee card registration information. Can be stored in the DBMS provided in.

13 is a diagram showing the configuration of daily employee card registration information stored in the ledger D / B (1000) provided in the DBMS on the financial system in a face-to-face manner for the treatment of wages through the dedicated employee card according to one embodiment of the present invention to be.

In more detail, in FIG. 13, when the storage medium 1230 illustrated in FIG. 12 is the ledger D / B 1000 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 1000 is used. As the configuration of the information on an implementation method for storing and processing the daily employee dedicated card information and the payment virtual account information by using the daily worker information included in the daily worker card registration information, the present invention 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 1000 by referring to or modifying the drawing 13. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 13 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. 4 or FIG. 7 is the daily worker. The ledger D / B 1000 on the financial system is processed in association with the account ledger corresponding to the operator account hiring the account, and the account ledger corresponding to the operator account is a predetermined customer corresponding to the operator. It is characterized in that it is processed in conjunction with the ledger.

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.

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

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

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

In addition, the virtual account ledger is characterized in that the relationship is processed in relation to the account ledger corresponding to the operator account, the virtual account ledger information is the mother account information associated with the virtual account and the ledger provided on the financial system It is preferable to include at least one ledger information to be included in the account ledger provided in the D / B 1000 (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 the detailed description thereof will be omitted for convenience.

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

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

When a card including at least one check card (or debit card) is issued to the daily worker according to the method of the present invention, the card ledger corresponding to the check card (or debit card) corresponds to the daily worker. The account ledger (eg, check card linked account ledger, or debit card linked account ledger) is relationally processed at least one of the account ledger, the card ledger corresponding to the check card (or debit card) is And 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.

14 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.

In more detail, in FIG. 14, the information registration server 1200 on the card information registration system shown in FIG. 12 functions as a ledger server (not shown) on the financial system linked to the counter terminal 1235 through a predetermined financial network. In this case, the counter terminal 1235 connects to the information registration server 1200 and connects a communication channel for registration of card information for one-time workers according to the present invention, and then registers the information through the communication channel. One-time worker dedicated card information (or the one-time worker) corresponding to the one-day worker information, payment virtual account information, and a predetermined one-day worker dedicated card provided by the company employing the one-time worker by the server 1200 A small card (e.g., a credit or debit card, or a debit card or cash card) is used as a dedicated worker card. 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 1200 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 1235 to the information registration server 1200 by referring to or modifying the drawing 14, the present invention is It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 14, the window terminal 1235 shown in FIG. 12 is referred to as a "terminal" for convenience, and the information registration server 1200 shown in FIG. 12 is referred to as a "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 1200 in 1235 are referred to as "daily worker card registration information" for convenience.

Referring to FIG. 14, a window terminal 1235 shown in FIG. 12 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 processing of wages through a dedicated card (1400), the server generates (or extracts) a predetermined information registration interface for registering the daily worker card registration information (1405). In operation 1410, 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 worker card registration information including at least one daily worker information, payment virtual account information, and daily worker exclusive card information through the information registration interface (1415).

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 (1420), the terminal receives the financial network. The daily worker card registration information including the daily worker information, payment virtual account information, and daily worker dedicated card information input through the input (or selected) is transmitted to the server (1425).

Thereafter, the server receives and reads the daily worker information, the payment virtual account information, and the daily worker exclusive card information through the financial network to check the validity of the daily worker card registration information (1430).

According to the method of the present invention, the validity check of the daily employee card registration information, the virtual account shown in Figure 4 or 7 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 (1435), the server generates predetermined information registration error information and transmits it to the terminal (1440), and registers the information corresponding to the daily worker card registration information. Do not perform the procedure.

On the other hand, if the validity of the daily worker card registration information is authenticated (1435), 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 The worker-only card information is interlinked and stored in a predetermined storage medium (or ledger D / B on the financial system) (1445).

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 (1450), thereby completing the procedure of registering the daily worker card registration information transmitted from the terminal.

15 is a view showing a non-face-to-face card information registration system for the treatment of wages through a dedicated employee card according to another embodiment of the present invention.

In more detail, Figure 15 shows that after a virtual account dedicated to paying wages is opened in the name of a predetermined daily worker through the virtual account opening system shown in FIG. 4 or FIG. 7, the daily worker is hired by 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. 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 1530,

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 15 to infer various implementation methods for the configuration of a card information registration system for the treatment of wages through a dedicated employee card. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing daily worker card registration information provided from the daily worker on the storage medium 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 wage processing through the dedicated employee card according to the present invention, a client comprising at least one wired terminal or wireless terminal used by the one-time 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 1500 provided on the card information registration system through a predetermined network means. Connected.

According to one embodiment of the present invention, the daily worker accesses the information registration server 1500 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. Inputting (or selecting) the daily employee card registration information for the wage processing through the daily employee dedicated card according to the present invention through at least one user interface provided by the information registration server 1500, a predetermined network in the client terminal It is preferable to transmit to the information registration server 1500 provided on the card information registration system through the means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or 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 information registration server 1500 connected with the client terminal may be either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 1500 may be a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1500, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 1500. 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 1500) is provided.

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

In the card information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the daily worker, at least one wired network connecting the client terminal and the information registration server 1500 or The wireless network performs a function of an information registration interface for registering the one-time worker card registration information for the processing of wages through the one-time worker dedicated card according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the engine of the may further include, by which 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 1500 ) Is connected to the financial network performs the function of the information registration interface for registering the daily worker card registration information for the labor of the daily worker 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 1500 is a one-time worker according to the present invention. The information registration interface for registering daily worker card registration information 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 1500 has a function of the information registration interface for registering the daily worker card registration information for the labor of the daily worker through the dedicated worker card according to the present invention To perform.

The storage medium 1530 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, using the payment virtual account information and the one-time worker. The exclusive card information may be stored in a predetermined storage medium 1530 by cooperatively processing the information.

Here, the daily worker information, the daily worker information, the daily worker 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 virtual account dedicated to paying wages 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.) 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 one-time worker wage 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 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 1500 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 1500 is located on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 1500 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 1500 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 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 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 1505 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 1505 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 1500, the interface unit 1505 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 1505 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 1505 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 1505 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 1500, the interface unit 1505 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 1505 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 1505 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 1505 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. 15, when the predetermined information registration terminal is connected to the information registration server 100 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 one-time worker card registration information transmitted from the information registration terminal through the user interface in connection with 1505 and the received one-time worker card registration information. The predetermined payment is made by linking the payment virtual account information and the dedicated daily worker dedicated card information using the daily worker information. Characterized in that formed in an information storage unit 1525 to store in the 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 capable of inputting (or selecting) information and transmitting it to the information registration server 1500 via the network means, or extracting 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 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 1500 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 1510 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 1505.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1510 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 1505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1510 may use a browser program or communication provided in the client terminal. A 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 1505.

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 1510 is provided to the call terminal (not shown). Generate (or extract) a predetermined user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1505. 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 providing unit 1510 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 1505.

The information receiving unit 1515 inputs (or selects) daily worker card registration information including at least one daily worker information, payment virtual account information, and daily worker exclusive card information through the user interface at the information registration terminal. When transmitting through a network means, it is characterized in that for receiving the daily worker card registration information in conjunction with the interface unit 1505, and provides the received daily worker 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 the labor process through the dedicated employee card.

According to the method of the present invention, the validation of the daily employee card registration information, the virtual account opening system shown in Figure 4 or 7 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 1525 processes 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 1530 is provided in the information registration server 1500 or on the network associated with the information registration server 1500, the storage medium 1530 is stored in the storage medium 1530. The information storage unit 1525 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 1530. Preferably, when the storage medium 1530 is provided in a DBMS provided on the financial system, the information storage unit 1525 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.

Figure 16 shows the configuration of the daily employee card registration information stored in the ledger D / B 1500 provided in the DBMS on the financial system in a non-face-to-face for the treatment of wages through the dedicated employee card in accordance with an embodiment of the present invention Drawing.

In more detail, in FIG. 16, when the storage medium 1530 illustrated in FIG. 15 is a ledger D / B provided in a DBMS on a financial system, the daily employee card registration information is included in the ledger information provided in the ledger D / B. As an information structure for an implementation method of linking and storing the payment virtual account information and the one-time worker dedicated card information using the one-time worker information included in the present invention, general knowledge in the technical field to which the present invention pertains is described. If you have, it can be inferred from the various information configuration methods for storing the daily employee card registration information in the ledger D / B by referring to or modified in this figure 16, 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. 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. 4 or FIG. 7 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. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

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

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

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

In addition, the customer ledger corresponding to the daily employee is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, daily employee customer name, customer address, regional classification code, telephone number, business number, business name, Classification code, expiration date, status 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.

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

According to an embodiment of the present invention, the virtual system is provided on the financial system through at least one payment card (eg, credit card, check card, debit card, prepaid card, etc.) and a 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 that includes, and includes at least one or more of the account number, abstention (months), period (days), period extension, expiration date and 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 or more of the amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, brief, CIF, and the like.

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

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 the method of the present invention, the customer ledger corresponding to the 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. The card ledger corresponding to the corresponding card ledger, and the card ledger corresponding to the one-day worker-only card includes a one-day worker-only card number corresponding to the one-day worker-only card.

FIG. 17 is a diagram illustrating a process of registering daily worker card registration information in a non-face-to-face manner to process wages through a dedicated employee card according to one embodiment of the present invention.

In more detail, in FIG. 17, in the case where the information registration server 1500 on the card information registration system shown in FIG. 16 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 1500 to connect 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 1500 through the communication channel One-time worker-only card information (or a card owned by the one-time worker (e.g., a credit card, a check card, or a debit card) corresponding to a predetermined one-time worker-only card provided by the employee employing the one-time worker. If the cash card) is used as a dedicated employee card, And sending the daily worker card registration information including the corresponding card information), the information registration server 1500 uses the daily worker information included in the received daily worker card registration information to the paid 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 1500, the present invention includes all the implementation methods inferred above and is not limited to the implementation method illustrated in FIG. 17. .

Hereinafter, in FIG. 17, the client terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the information registration server 1500 shown in FIG. 15 is called "server" for convenience, and the information registration in the client terminal The daily worker information, payment virtual account information and daily worker dedicated card information transmitted to the server 1500 is referred to as "daily worker card registration information" for convenience.

Referring to FIG. 17, when the client terminal illustrated in FIG. 15 is a predetermined network means (eg, the client terminal is a wired terminal 1535), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1540. Is connected to the server through a CDMA-based mobile communication network or an IEEE 802.16x-based portable Internet, and the like, connects a predetermined communication channel for registering the daily worker card registration information, and wages through the dedicated worker card. When requesting registration of the daily worker card registration information for processing (1700), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the daily worker card registration information (1705). In operation 1710, the generated (or extracted) web page 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.

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 (1715).

If the terminal receives (or selects) daily worker card registration information including the daily worker information, the payment virtual account information, and the daily worker dedicated card information through the information registration interface (1720), the terminal receives the communication channel. The input (or selection) of the daily employee information, the payment virtual account information and the dedicated employee card information is transmitted to the server (1725).

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 confirm the validity of the daily worker card registration information (1730).

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

According to the method of the present invention, the validation of the daily employee card registration information, the virtual account opening system shown in Figure 4 or 7 in the ledger D / B on the financial system associated with the card information registration system Among the at least one payment virtual account registered through, it is preferable to include whether the virtual account ledger corresponding to the payment virtual account matching the daily worker information included in the daily worker card registration information is preferably provided.

If the validity of the daily worker card registration information is not authenticated (1735), the server generates a web page including the predetermined information registration error information and transmits it to the terminal (1740), 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 (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 (1745).

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.

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 a web page including predetermined information registration history information and transmits the generated web page to the terminal (1750), thereby completing the procedure of registering the daily worker card registration information transmitted from the terminal.

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

More specifically, FIG. 18 is a one-time worker dedicated card according to the present invention through the card issuing system shown in FIG. 1 or 10, or the present invention through the information registration system shown in FIG. In the technical field to which the present invention pertains to the construction of an information registration system for registering business information for processing the wages of the daily workers using the daily workers dedicated card, Those skilled in the art may refer to or modify this drawing 18 to infer various implementation methods for the construction of a business information registration system for processing the labor of the daily workers using the dedicated daily workers card. The invention encompasses all implementation methods inferred from the above. It is not limited only to the implementation method shown in page 18.

Hereinafter, at least one or more businesses for storing and registering at least one or more business information provided from a business operator employing at least one or more daily work workers in a predetermined storage medium through a predetermined information registration interface shown in FIG. 18. Components corresponding to the means or functional configuration are referred to as " information registration server 1800 " for convenience.

Referring to FIG. 18 according to an embodiment of the present invention, a system for registering business information for wage processing through a dedicated employee card according to the present invention includes a teller terminal 1835 provided at at least one branch of a financial institution. And an information registration terminal, wherein the information registration terminal is connected to a communication channel with an information registration server 1800 provided on the 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 the treatment of wages through a dedicated employee card according to the present invention, and open a window provided at the financial institution branch. At least one application (e.g., at least one application for processing the wages of the daily worker through the daily worker dedicated card) A document with a form for filling out an information item) and submitting the completed application to the counter clerk, the counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal 1835. The terminal 1835 transmits the input (or selected) information through the financial network. It is preferable to transmit to the information registration server 1800 provided on the information registration system.

Here, the teller terminal 1835 preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 1800 connected to the teller terminal 1835 is the predetermined financial It is preferable to include a ledger server provided on the system, wherein the financial network connecting the teller terminal 1835 and the information registration server 1800 communicates between the teller terminal 1835 and the information registration server 1800. It is preferable to include a network for connecting the channels.

In the operator information registration system as described above, an application created by the operator and a financial network connecting the teller terminal 1835 and the teller terminal 1835 and the information registration server 1800 used by the teller are as described above. An operator employing at least one daily worker performs a function of an information registration interface for registering business information for processing the wages of the daily worker into a dedicated worker card of the daily worker.

The storage medium 1830 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 assigned by a national agency or a public agency or a public corporation), a unique number of a dedicated employee terminal card for a daily worker, and a dedicated company card information are 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 characterized in that it comprises a device serial number assigned to a dedicated employee card terminal device for transmitting the labor information of the daily worker to a server (for example, wage 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 1830 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 ( 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 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 1800 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

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

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

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

Referring to FIG. 18, the information registration server 1800 is connected with the interface unit 1805 when a predetermined information registration terminal is connected to the information registration server 1800 through the interface unit 1805. An interface providing unit 1810 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined business registration information from the information registration terminal to the information registration terminal, and the interface unit 1805. And an information receiving unit 1815 for receiving predetermined business registration information input (or selected) and transmitted from the information registration terminal through the user interface, and validity of checking the validity of the received business registration information. The verification unit 1820 and the operator information and the business account information included in the business registration information of the validity confirmed by linking the predetermined Provided with a sheet medium (1830) Information storage unit 1825 for storing the characterized in that is made.

In addition, the information registration server 1800 is provided with a one-day workers dedicated card terminal device for reading predetermined card information from the one-time workers dedicated card for the wage 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 1810, when a predetermined information registration terminal is connected to the information registration server 1800 through the interface unit 1805, 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 1800 through the financial network, or extract from a predetermined database (not shown), and interwork with the interface unit 1805. 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 1800 is transmitted through a network.

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

The information receiving unit 1815 inputs (or selects) business registration information including at least one of business information and business account information through the user interface and transmits the information through the financial network through the user interface. The operator registration information may be received in conjunction with the operation 1805, and the received operator registration information is provided to the validity confirming unit 1820.

The validity confirming unit 1820 is characterized by checking whether the business registration information received from the information registration terminal satisfies the validity to perform the wage processing through the employee-only 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 , A unique code given by a national agency or a public agency or a public corporation, etc.

When the validity of the business registration information is confirmed, the information storage unit 1825 may be stored in the storage medium 1830 by linking the business information and the business account information included in the business registration information. When the storage medium 1830 is provided in the information registration server 1800 or on a network associated with the information registration server 1800, the information storage unit 1825 may receive the received business registration information. The information stored in the storage medium 1830 is preferably stored in the storage medium 1830 by linking the service provider information and the service provider account information included in the storage medium, if the storage medium 1830 is provided in the DBMS provided on the financial system, the information storage The unit 1825 provides the business information and the business account information included in the received business registration information to an information system through an external system on the financial system. It can be stored in a DBMS provided on the open financial system.

In addition, when an operator-specific code corresponding to the operator is generated through the information generator, the information storage unit 1825 further processes the generated operator-specific code in association with the operator information and the operator account information to store the storage medium. (1830).

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

More specifically, in FIG. 19, the information registration server 1800 on the operator information registration system shown in FIG. 18 provides a ledger server (not shown) function on the financial system linked to the counter terminal 1835 through a predetermined financial network. In this case, the counter terminal 1835 is connected to the information registration server 1800 and the communication channel for registration of the company information to process the wages of the daily workers according to the present invention through a dedicated card for dedicated daily workers After the connection, and transmits the business registration information including the business information and the business operator information to the information registration server 1800 through the communication channel, the received business registration in the information registration server 1800 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 refer to or modify the drawing 19 to register the business registration information from the window terminal 1835 to the information registration server 1800. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the window terminal 1835 shown in FIG. 18 is referred to as a "terminal" for convenience, and the information registration server 1800 shown in FIG. 18 is referred to as a "server" for convenience, and the window terminal ( The operator information and the operator account information transmitted from 1835 to the information registration server 1800 are referred to as "business registration information" for convenience.

Referring to FIG. 19, a window terminal 1835 shown in FIG. 18 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the business registration information, and uses the dedicated employee card. When the business operator who wishes to process the labor of the daily worker through the request for registration of predetermined business information (1900), the server generates (or extracts) a predetermined information registration interface for registering the business registration information ( 1905, and transmits the generated (or extracted) information registration interface to the terminal through the communication channel (1910).

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

Thereafter, the terminal inputs (or selects) business registration information including at least one or more business information and business account information through the information registration interface (1915).

If the operator registration information including the operator information and the operator account information is input (or selected) through the information registration interface in the terminal (1920), 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 (1925).

Thereafter, the server receives and reads the operator information and the operator account information through the financial network to confirm the validity of the operator registration information (1930).

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

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

If the validity of the business registration information is not authenticated (1935), the server generates predetermined information registration error information and transmits the information to the terminal (1940), and does not perform an information registration procedure corresponding to the business registration information. Do not.

On the other hand, if the validity of the business registration information is authenticated (1935), the server performs an information registration procedure corresponding to the business registration information, thereby linking the business information and the business account information to a predetermined storage medium (or It is stored in the ledger D / B on the financial system (1945).

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 (1950), 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.

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

In more detail, the present invention 20 is provided with a dedicated employee card according to the present invention through the card issuing system shown in FIG. 1 or 10, or the information registration system shown in FIG. 12 or 15. In the technical field to which the present invention pertains to the construction of an information registration system for registering business information for processing the wages of the daily workers using the daily workers dedicated card, Those skilled in the art will be able to infer various implementation methods for the construction of a company information registration system for handling the wages of the daily workers using the daily workers dedicated card by referring to or modifying the drawing 20. The invention encompasses all implementation methods inferred from the above. It shall not be limited to the exemplary method shown in 20.

Hereinafter, at least one or more means for storing, on the storage medium 2030, 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. 20. Alternatively, the component corresponding to the functional configuration is referred to as "information registration server 2000" for convenience.

Referring to this figure 20 according to the embodiment of the present invention, a company information registration system for processing of wages through a dedicated employee card according to the present invention, 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 comprises an information registration server 2000 provided on the operator information registration system through a predetermined network means. ) And the communication channel are connected.

According to an embodiment of the present invention, the operator accesses the information registration server 2000 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, and the information. Entering (or selecting) the business registration information for the wage processing through the dedicated employee card according to the present invention through at least one user interface provided by the registration server 2000, the client terminal through a predetermined network means It is preferable to transmit to the information registration server 2000 provided on the operator information registration system.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and 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.

The information registration server 2000 connected to the client terminal may be one of 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 2000 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 2000, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 2000. 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 2000) is provided.

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

In the operator information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the operator, and at least one wired network or wireless connecting the client terminal and the information registration server 2000. The network performs a function of an information registration interface for the business operator to register the business registration information for the wage 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 or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the 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 financial teller machine (not shown) and the information registration server ( 2000) is connected to the financial network performs a function of the information registration interface for the business operator to register the business registration information for the wage processing through the dedicated employee card according to the present invention, or the information registration terminal is the call terminal In the case of (not shown), a wired telephone network or a wireless telephone network that connects the call terminal (not shown) and the call terminal (not shown) and the information registration server 2000, the operator is a card dedicated to the daily worker according to the present invention Performs the function of the information registration interface for registering the business registration information for the processing of wages through, or the information 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 2000 performs a function of an information registration interface for registering the business registration information for the businessmen to process the wage through the dedicated employee card according to the present invention.

The storage medium 2030 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 Characterized in that it comprises the device serial number assigned to the daily employee dedicated card terminal device for transmitting the labor information of the daily worker to a server (for example, a wage processing server, etc.) on the network, the operator-specific card information.

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

According to one embodiment of the invention, the storage medium 2030 is preferably provided in a DBMS on a financial system provided on the operator information registration system (or associated with the business information registration system), wherein the The storage medium 2030 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2030 is 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 at least one of the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 2000 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 2000 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 2000 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 2000 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 2000 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 2000 is characterized in that it comprises an interface unit 2005 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 2005 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 2005 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 2000, the interface unit 2005 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 2005 may be configured to perform the operation with the financial automation device based on the protocol stack defined in the financial network. A communication interface may be provided for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 2005 is based on a protocol stack defined in the wireless network. By connecting a predetermined communication channel with the client terminal, 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 WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2005 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, IC chip-based banking program) provided by the information registration server 2000, the interface unit 2005 is based on the CDMA protocol with the client terminal. 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 2005 makes 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 2005 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 embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 2005 is based on the protocol stack defined in the TV banking system. At least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 20, when the predetermined information registration terminal accesses the information registration server 100 through the interface unit 2005, the information registration server 2000 interworks with the interface unit 2005. An interface providing unit 2010 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 2005. An information receiving unit 2015 for receiving 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. Characterized in that the information storage unit 2025 for storing the information stored in the predetermined storage medium 2030 by linking the operator account information, characterized in that .

In addition, the information registration server 2000 is provided with a one-time worker dedicated card terminal device for reading a predetermined card information from the one-time worker dedicated card for the wage processing using the one-time worker dedicated card 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.

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 2010, when a predetermined information registration terminal is connected to the information registration server 2000 through the interface unit 2005, 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 2000 through the network means, or extract from a predetermined database (not shown), and interwork with the interface unit 2005. 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) 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 2000 is transmitted through a network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 2010 is provided in the client terminal. A user interface that can be provided as a browser program or a communication program can be generated (or extracted), and the generated (or extracted) user interface can be provided to the client terminal through the interface unit 2005.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 2010 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 2005.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 2010 provides 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 2005.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 2010 may provide 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 2005. have.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 2010 is connected to the wired terminal (or two-way digital TV). A predetermined user interface that can be provided may be generated (or extracted) and the generated (or extracted) user interface may be provided to the wired terminal (or interactive digital TV) through the interface unit 2005.

When the information receiving unit 2015 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 transmits the information through the network means. And receiving the business registration information in connection with 2005, and provides the received business registration information to the validity verification unit 2020.

The validity confirming unit 2020 is characterized by checking whether the business registration information received from the information registration terminal satisfies the validity for performing the wage processing through the employee-only 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 , A unique code given by a national agency or a public agency or a public corporation, etc.), or exclusive card information for a business operator).

When the validity of the business registration information is confirmed, the information storage unit 2025 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 2030 When the storage medium 2030 is provided in the information registration server 2000 or on the network associated with the information registration server 2000, the information storage unit 2025 may receive the received business registration information. Preferably, the information stored in the storage medium 2030 is stored in the storage medium 2030 by linking and processing the operator information included in the business account information. When the storage medium 2030 is provided in a DBMS provided on a financial system, the information storage is performed. The unit 2025 provides financial information by providing business information and business account information included in the received business registration information to an information system through an external system on the financial system. Be stored in a DBMS provided on a stem are preferred.

FIG. 21 is a diagram illustrating a process of registering business registration information in a non-face-to-face manner for processing wages through a dedicated employee card according to one embodiment of the present invention.

In more detail, FIG. 21 shows a case in which the information registration server 2000 on the operator information registration system shown in FIG. 20 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 2000 and connecting a communication channel for information registration according to the present invention, a business registration including the business information and the business account information to the information registration server 2000 through the communication channel The present invention relates to an embodiment of the present invention, in which the information registration server 2000 performs an association process of business information and business account information included in the received business registration information and stores them in a predetermined storage medium. Those skilled in the art may refer to or modify this drawing 21 in the client terminal. Various implementation methods of registering the business registration information with the information registration server 2000 may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 21, the client terminal shown in FIG. 20 is referred to as "terminal" for convenience, and the information registration server 2000 shown in FIG. 20 is called "server" for convenience, and the information registration is performed in the client terminal. The operator information and the operator account information transmitted to the server 2000 are referred to as "business registration information" for convenience.

Referring to FIG. 21, when the client terminal illustrated in FIG. 20 is a predetermined network means (eg, the client terminal is a wired terminal 2035), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 2040. Is connected to the server through a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet, etc., to connect a predetermined communication channel for registering the operator registration information, and to process the wage through the dedicated employee card. When requesting registration of the business information for the business operator (2100), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the business registration information (2105), and generates the data through the communication channel. (Or extracted) the web page is transmitted to the terminal and output (2110).

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

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

Thereafter, the terminal inputs (or selects) business registration information including at least one or more business information and business account information through the information registration interface (2115).

If the operator registration information including the operator information and the operator account information is input (or selected) through the information registration interface (2120) in the terminal, the terminal receives the input (or selected) operator through the communication channel. The information and the operator account information are transmitted to the server (2125).

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 (2130).

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 characterized in that it comprises a device serial number assigned to a dedicated employee card terminal device for transmitting the labor information of the daily worker to a server (for example, wage processing server, etc.) on the network.

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

If the validity of the business registration information is not authenticated (2135), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2140), corresponding to the daily worker card registration information Do not perform the information registration procedure.

On the other hand, if the validity of the daily worker card registration information is authenticated (1735), the server performs the information registration procedure corresponding to the daily worker card registration information, by using the daily worker information using the payment virtual account information and daily work Worker-only card information is cooperatively stored in a predetermined storage medium (2145).

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.

According to another exemplary embodiment of the present invention, the storage medium is 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 operator information registration system. It is possible to be provided in the DBMS on the above banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1750), thereby completing the procedure of registering the business registration information transmitted from the terminal.

22 is a diagram illustrating a wage payment processing system for processing the wages for the daily workers, using the dedicated daily workers card according to the embodiment of the present invention.

In more detail, in FIG. 22, a predetermined daily worker receives a daily worker dedicated card according to the present invention through the card issuing system shown in FIG. 1 or 10, or the information shown in FIG. After registering a dedicated employee card for daily work according to the present invention through a registration system, the operator employing the daily worker registers the predetermined company information for the wage processing through the business information registration system shown in Figure 18 or 20 When the operator pays a predetermined wage to the daily worker, predetermined card information (for example, from the daily worker dedicated card possessed by the daily worker in a terminal operated by the business operator (hereinafter, a daily worker dedicated card terminal device) , Card number, etc.) and the wage information to be paid to the daily worker Receives the input, and generates and transmits a predetermined wage payment approval request text including the daily employee dedicated card information and payment wage information, read the transmitted wage payment approval request message, corresponding to the daily employee dedicated card information Check the account information (labour deposit account), and also check the account information (labour pay account) corresponding to the business information that sent the full request for approval of the payment of the wages, and withdraw the wages of the daily worker from the business account. , Illustrates a method of implementing a wage payment processing system for depositing money into the daily worker account.

If one of ordinary skill in the art to which the present invention pertains, referring to or modifying the drawing 22, using a dedicated card for the daily worker, infers various implementation methods for the construction of the wage payment processing system for processing the daily worker wages As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

The one-time worker dedicated card terminal device may be located at the site where the one-time worker works, and generates a predetermined wage payment approval request text for the one-time worker wage processing using the one-time worker-only card according to the present invention, Characterized in that the transmission to the server on the network (for example, wage processing server, etc.), the full-time payment authorization request request generated through the dedicated employee card terminal device for the daily worker dedicated card information and the daily worker to the daily worker Characterized in that it comprises the labor information to be paid by the employer hiring.

According to another exemplary embodiment of the present invention, the daily employee dedicated card terminal device may include a credit authorization terminal (CAT) or a point of sales (POS) terminal. In this case, the daily employee dedicated card terminal device may be a VAN. It may be connected to a server on the network through a value added network.

According to an exemplary embodiment of the present invention, the daily employee dedicated card terminal device reads predetermined daily employee dedicated card information from the daily employee dedicated card through a predetermined card reader in the process of paying a wage, and a predetermined key input device. Through inputting the wage information of the daily worker, and generates a predetermined wage payment approval request message including the daily worker dedicated card information and the daily worker wage information can be transmitted to the server on the network.

Referring to FIG. 22 according to an exemplary embodiment of the present invention, the wage processing server 2200 may use the dedicated worker information and the dedicated worker card information from the terminal device through a communication network between the wage processing server and the daily worker dedicated card terminal device. The professional payment unit 2205 for receiving a predetermined wage payment approval request message including labor information of the daily worker and the terminal device (or business operator) unique code, and the wage payment approval request specialist through the specialized reception unit 2205 When received, reads the received wage payment approval request full text, and reads the full-time workers dedicated card information, the labor information of the daily workers and the terminal device (or operator) unique code from the full wage payment approval request message A reading unit 2210 and provided at or connected to the wage processing server. The same daily worker account information corresponding to the daily employee dedicated card information read out through the specialized reading unit 2210 in association with the storage medium 2230 provided in the predetermined storage medium operating means, and the terminal device ( Or the business)) an information confirmation unit 2215 for verifying the operator account information corresponding to the unique code, and withdraw the labor worker's wages from the operator account confirmed through the information verification unit 2215 to the confirmed daily worker account. The payment processing unit 2220 for depositing and generating a predetermined wage processing response message including the daily labor worker's wage processing history through the wage processing unit 2220 to generate the generated wage processing response message through the terminal. Linking the professional transmission unit 2225 and the wage treatment history to the operator information and daily workers information to the device And an information storage unit 2230 for processing and storing the data in a predetermined storage medium.

The specialized receiving unit 2205 may provide predetermined daily worker exclusive card information, wage information of the daily worker and the terminal device from the daily worker dedicated card terminal device through a network between the daily worker dedicated card terminal device and the wage processing server. Or a business operator) receiving a prescribed full wage payment approval request including a unique code.

The expert reading unit 2210 may request a predetermined wage payment approval request message including the daily worker dedicated card information, the daily employee's wage information, and the terminal device (or business operator) unique code through the specialized receiving unit 2205. When received, read the received wage payment approval request full text, and read out the daily worker dedicated card information, the labor information of the daily worker and the terminal device (or business operator) unique code from the wage payment approval request. The read-only worker information and the terminal device (or business operator) unique code is transmitted to the information verification unit 2215 and the daily worker wage information is transmitted to the wage processor 2220.

The information confirming unit 2215 may correspond to the one-time worker dedicated card information in association with the storage medium when the one-time worker dedicated card information and the terminal device (or business operator) unique code are transmitted from the specialized reading unit 2210. According to the method of the present invention as the account associated with the daily worker dedicated account issued through the card issuance system shown in Figure 1, wherein the daily worker account information to check The wage of the daily worker is characterized in that the account is deposited.

In addition, the information confirming unit 2215 may check the operator account information corresponding to the terminal device (or business operator) unique code read through the specialized reading unit 2210 in association with the storage medium. The business account information is an account of the business name registered by the business person who hired the daily work worker through the business information registration system shown in FIG. 18 or 20, and the account for which the wages for the daily work worker are withdrawn. It features.

Here, when the terminal device (or operator) unique code is transmitted from the specialized reader 2210, the information checking unit 2215 corresponds to the terminal device (or operator) unique code transmitted to the storage medium. The stored operator information is checked, and the operator account information included in the confirmed operator information or linked to the operator information is checked.

According to another exemplary embodiment of the present invention, the daily employee account information corresponding to the daily employee dedicated card information issued through the dedicated card issuing system shown in FIG. 10 is the mother account of the business account shown in FIG. 4 or 7. In the case of a payment virtual account opened as described above, the information checking unit 2215 checks the payment virtual account information corresponding to the daily employee dedicated card information transmitted from the expert reading unit 2210, and the confirmed payment Characterized in the account information (for example, business account information, etc.) corresponding to the virtual account information, characterized in that for transmitting, the payment virtual account information and the mother account information to the wage processor 2220.

The wage processing unit 2220, when the account information and the business operator account information associated with the daily employee dedicated card through the information verification unit 2215 is confirmed, the employee of the daily worker delivered through the professional reading unit 2210 With reference to wage information, the amount corresponding to the daily worker's wages may be withdrawn from the operator account, deposited into the daily worker's account, and the details of the wage processing are transmitted to the specialized transmission unit 2225. .

If it is not possible to withdraw the amount corresponding to the one-time worker's wage from the business account (for example, lack of balance in the business account), the wage processing unit 2220 reports the inability to process the wages in the specialized transmission unit 2225. It is characterized by the transmission to).

According to another exemplary embodiment of the present invention, when the virtual account information corresponding to the daily employee dedicated card and the mother account information associated with the virtual account are transmitted from the information checking unit 2215, the wage processing unit 2220 may transmit the mother account. Withdraw the amount corresponding to the wage of the daily worker from, characterized in that the withdrawal amount of the withdrawal process to the payment virtual account.

The specialized transmission unit 2225 is configured to include the wage processing details when the amount corresponding to the daily worker wage is withdrawn from the business account through the wage processing unit 2220 and the deposit is processed into the daily worker account. And generating the wage processing response message of the mobile terminal and transmitting the generated wage processing response message to the terminal device through the network.

If the charge processing details are transmitted from the wage processing unit 2220, the full text transmission unit 2225 generates a predetermined wage processing response message including the details of the processing of the wage processing to generate the wage processing. The response message is transmitted to the terminal device through the network.

The information storage unit 2230, the amount corresponding to the daily worker wages are withdrawn from the operator account through the wage processing unit 2220, the deposit is processed into the daily worker account, the professional transmission unit 2225 When a full wage treatment response message including a wage treatment history is generated and transmitted to the terminal device, the wage treatment history is stored in a predetermined storage medium in association with the operator information and daily worker information.

In this case, the information storage unit 2230 may further process the wage processing history in association with the operator account information and the daily worker account information (or daily worker dedicated card information).

Referring to FIG. 22, the information transmission unit 2235 may include information on wage processing stored in the storage medium through the information storage unit 2230 (eg, wage payment company information, wage payment daily worker information, payment wage information, and the like). ) Is periodically transmitted to a predetermined national institution (or public institution).

FIG. 23 is a diagram illustrating a process of processing the labor worker's wages using a dedicated worker card according to an embodiment of the present invention.

More specifically, in FIG. 23, a predetermined daily worker receives a daily worker dedicated card according to the present invention through the card issuing system shown in FIG. 1 or 10, or the information shown in FIG. After registering a dedicated employee card for daily work according to the present invention through a registration system, the operator employing the daily worker registers the predetermined company information for the wage processing through the business information registration system shown in Figure 18 or 20 When the operator pays predetermined wages to the daily worker, predetermined card information (for example, from the daily worker dedicated card possessed by the daily worker in a terminal operated by the operator (hereinafter, a daily worker dedicated card terminal device) Information on the wages to be read to the daily worker Receives the input, and generates and transmits a predetermined wage payment approval request text including the daily employee dedicated card information and payment wage information, read the transmitted wage payment approval request message, corresponding to the daily employee dedicated card information Check the account information (labour deposit account), and also check the account information (labour pay account) corresponding to the business information that sent the full request for approval of the payment of the wages, and withdraw the wages of the daily worker from the business account. In addition, it illustrates a method of carrying out the wage payment process of depositing the daily worker account.

Persons of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 23 to infer various implementation methods for the wage payment process for processing the wages of the daily worker using the dedicated worker card. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 23, the dedicated card worker device shown in FIG. 22 is referred to as a "terminal" for convenience, and the wage processing server is referred to as a "server" for convenience.

Referring to FIG. 23, the illustrated embodiment may be started from the process of reading the dedicated employee information of the daily worker through the predetermined card reader in the terminal and confirming the wage amount input of the daily worker (2300). .

Then, the terminal generates a predetermined wage processing approval request full text including the dedicated daily worker dedicated card information and daily worker wage information (2305), and transmits the generated wage processing approval request full text to the server (2310).

When the server receives the full wage processing approval request message including the daily worker dedicated card information and the daily workers' wage information from the terminal, the server reads the received wage processing approval request message (2315) and processes the wage in connection with the storage medium. Check the daily worker account information associated with the daily employee dedicated card information included in the full request for approval (2320).

In addition, the server checks the operator account information corresponding to the terminal information included in the full wage processing approval request in association with the storage medium (2325), and determines whether it is possible to withdraw the daily worker's wages from the operator account (2330). ).

If it is not possible to withdraw the daily worker's wage from the operator account (for example, due to lack of balance) (2335), the server generates a wage processing history including the daily worker's wage withdrawal error information (2340).

On the other hand, if it is possible to withdraw the daily worker wages from the operator account (2335), the server withdraws the daily worker wages from the business operator account (2345), the withdrawal of the daily worker worker wages to the daily worker account The deposit is processed (2350).

Thereafter, the server generates a wage processing approval response message including the wage processing details (2355), and transmits the generated wage processing approval response message to the terminal (2360).

In addition, the server processes the wage processing details in association with the business information and daily worker information stored in the storage medium (2365), and periodically transmits the stored wage processing details to a national institution (or public institution) ( 2370).

FIG. 24 is a diagram illustrating a process of processing the labor worker's wages using a dedicated worker card according to another embodiment of the present invention.

More specifically, the drawing 24 opens a payment virtual account in which a predetermined daily worker uses the account of a company employing the daily worker through the virtual account opening system shown in FIG. 4 or 7 as a parent account, and the drawing. A business information registration system shown in FIG. 18 or 20 is issued by a business operator who receives a dedicated day worker dedicated card linked to the established payment virtual account through the card issuing system shown in FIG. After registering the predetermined operator information for the wage processing through, when the operator pays a predetermined wage to the daily worker, the daily worker in the terminal operated by the operator (hereinafter referred to as a dedicated employee card terminal device) Pre-determined card information (e.g. card number, etc.) from the daily employee's card Read and input the wage information to be paid to the daily worker, and generates and transmits a predetermined wage payment approval request message including the dedicated employee information of the daily worker and the paid wage information, the transmitted wage payment approval request message Reads, confirms the payment virtual account corresponding to the daily worker dedicated card information, and also checks the mother account corresponding to the payment virtual account, withdraws the wages of the daily worker from the mother account, and transfers to the payment virtual account. It shows the method of carrying out the payment process of the wage payment process.

Persons of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 24 to infer various implementation methods for the wage payment process for processing the wages for the daily workers using the dedicated worker cards. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 24, the dedicated card worker device shown in Fig. 22 is referred to as "terminal" for convenience, and the wage processing server is referred to as "server" for convenience.

Referring to FIG. 24, the illustrated embodiment may be started from the process of reading the dedicated employee information of the daily worker through the predetermined card reader and confirming the input of the wage amount of the daily worker (2400).

Then, the terminal generates a predetermined wage processing approval request full text including the daily worker dedicated card information and daily worker wage information (2405), and transmits the generated wage processing approval request full text to the server (2410).

When the server receives the full wage processing approval request message including the daily worker dedicated card information and the daily worker wage information from the terminal, the received wage processing approval request message is read (2415), and the wage processing in connection with the storage medium. Check the daily worker account information associated with the daily employee dedicated card information included in the full authorization request (2420).

Here, the server is a payment virtual account opened by using the account of the employer employing the daily employee through the virtual account opening system shown in Figure 4 or 7 in connection with the storage medium as the parent account Check whether it is (2425).

If the daily worker account is a payment virtual account opened by using the account of the company employing the daily worker as a mother account (2430), the server checks the mother account information associated with the payment virtual account in connection with the storage medium. In operation 2435, it is determined whether the daily worker's wages can be withdrawn from the mother account (2440).

If it is not possible to withdraw the daily worker's wage from the mother account (for example, due to lack of balance) (2445), the server generates a wage processing history including the daily worker's wage withdrawal error information (2450).

On the other hand, if it is possible to withdraw the daily worker's wages from the mother account (2445), the server withdraws the daily worker's wages from the mother account (2455), the payment of the daily worker's wages withdrawn with the daily worker opened The deposit is processed into a virtual account (2460).

Thereafter, the server generates a wage processing approval response message including the wage processing details (2465), and transmits the generated wage processing approval response message to the terminal (2470).

In addition, the server processes the wage processing details in association with the operator information and daily worker information and stores them in the storage medium (2475), and periodically transmits the stored wage processing details to a national institution (or public institution). (2480).

Through the labor treatment method and system using a dedicated employee card according to the present invention, there is an advantage that it is possible to more conveniently grasp the income of the daily worker in response to the introduction of the labor incentive tax system.

In addition, it is possible to attract new customers by opening new accounts for employers and daily workers.

Claims (1)

Information registration means for linking and storing the daily employee dedicated card information and the daily employee account information (or virtual account information of the daily employee dedicated withdrawal attribute opened by using the employer account as a mother account) in a storage medium; When requesting payment of wages using the card for exclusive use of daily workers, read the full payment payment approval request message sent from the card terminal, and read the dedicated employee payment card number and employer information included in the full payment payment approval request (or employer-only card). Information reading means for reading the number) and payment wage information; One-time worker account information corresponding to the one-time worker dedicated card number in association with the storage medium (or virtual account information of the withdrawal attribute dedicated to one-time workers opened with the employer account as a parent account) and the employer information (or the employer-only card). Information confirmation means for confirming the operator account information corresponding to the number; And And information processing means for withdrawing wages to be paid to the daily worker from the business operator account and depositing them into the daily worker account (or a virtual account for the withdrawal attribute dedicated to the daily worker opened with the employer account as the parent account). Labor treatment system using a dedicated card for daily workers, characterized in that made.

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