KR20090051392A

KR20090051392A - System and method for transferring cash withdrawal with affiliated store and recording medium

Info

Publication number: KR20090051392A
Application number: KR1020070117765A
Authority: KR
Inventors: 이용주
Original assignee: 주식회사 신한은행
Priority date: 2007-11-19
Filing date: 2007-11-19
Publication date: 2009-05-22

Abstract

The present invention relates to a cash withdrawal transaction method and system through a merchant and a recording medium therefor, the cash withdrawal transaction method through the merchant according to the present invention, cash withdrawal merchant account (or virtual account) for a cash withdrawal affiliate merchant If the cash withdrawal through the customer card associated with the customer account is requested by the merchant terminal provided in the cash withdrawal affiliated merchant, comparing the customer account balance associated with the customer card and the cash withdrawal amount Checking the cash withdrawal possibility of the customer account; and if the cash withdrawal is possible, withdraw the cash withdrawal request amount from the customer account, and withdraw the amount of the withdrawal from the merchant account for cash withdrawal. (Or a virtual account) depositing the cash withdrawal request amount is the merchant account for cash withdrawal ( Or a virtual account), the step of processing the cash withdrawal request amount to be withdrawn to the customer at the merchant terminal.

Merchants, Cash Withdrawals

Description

System and Method for Transferring Cash Withdrawal with Affiliated Store and Recording Medium}

1 is a diagram illustrating a system configuration for withdrawing cash using a customer card in a cash withdrawal affiliated store according to an embodiment of the present invention.

2 is a diagram illustrating a face-to-face account opening system for opening a merchant account for cash withdrawal according to an embodiment of the present invention.

3 is a diagram illustrating a ledger configuration corresponding to an affiliated account for cash withdrawal opened in a face-to-face manner according to an embodiment of the present invention.

4A and 4B are views illustrating a process of opening an affiliate account for cash withdrawal in a face-to-face manner according to one embodiment of the present invention.

5A and 5B illustrate a process of opening a cashier affiliate account in a face-to-face manner according to another exemplary embodiment of the present invention.

6A and 6B illustrate a process of opening an affiliate account for cash withdrawal in a face-to-face manner according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a non-face-to-face account opening system for opening a cashier affiliate account according to another embodiment of the present invention.

8 is a diagram illustrating a ledger configuration corresponding to a cash withdrawal merchant account opened in a non-face-to-face manner according to an embodiment of the present invention.

9A and 9B illustrate a process of opening an affiliate account for cash withdrawal in a non-face-to-face manner according to one embodiment of the present invention.

10A, 10B, and 10C are diagrams illustrating a process of opening a cashier affiliate account according to one embodiment of the present invention.

11 is a diagram showing a system for opening a virtual account for cash withdrawal according to an embodiment of the present invention.

12 is a view showing the configuration of a virtual account ledger for opening a virtual account for cash withdrawal according to an embodiment of the present invention.

13 is a view illustrating a process of opening a virtual account for cash withdrawal according to an embodiment of the present invention.

14 is a view showing a system for opening a virtual account for cash withdrawal according to another embodiment of the present invention.

15 is a view showing the configuration of a virtual account ledger for opening a virtual account for cash withdrawal according to another embodiment of the present invention.

16 is a view illustrating a process of opening a virtual account for cash withdrawal according to another embodiment of the present invention.

17 is a diagram showing a cash withdrawal transaction system configuration using a customer card according to an embodiment of the present invention.

18 is a diagram illustrating a functional configuration of an affiliated store terminal providing a cash withdrawal transaction according to an embodiment of the present invention.

19 is a diagram illustrating a cash withdrawal transaction process according to an embodiment of the present invention.

20A and 20B illustrate a cash withdrawal transaction process according to another exemplary embodiment of the present invention.

21 is a diagram showing a cash withdrawal transaction process according to another embodiment of the present invention.

100: financial company server

The present invention comprises the steps of opening or registering a cash withdrawal merchant account (or virtual account) for a cash withdrawal affiliated merchant, and withdrawal of cash through a customer card associated with a customer account at an affiliated store equipped with the cash withdrawal affiliated merchant. Upon request, comparing the customer account balance associated with the customer card with the cash withdrawal amount to check the cash withdrawal possibility for the customer account; and, if the check result indicates that cash withdrawal is possible, the cash from the customer account. After withdrawing the withdrawal request amount, depositing the withdrawal amount into the cash withdrawal merchant account (or virtual account) and the cash withdrawal request amount deposited with the withdrawal merchant account (or virtual account) If it is confirmed, the step of processing the cash withdrawal request amount to be withdrawn to the customer at the merchant terminal; It relates to a cash withdrawal transaction method through a merchant.

The use of cards has become commonplace, allowing customers to withdraw cash needed by using an automated teller machine (ATM) or cash dispenser (CD) without visiting a bank.

However, ATMs / CDs in banks cannot be used after 10 pm, and ATMs / CDs in public places / convenience stores are not available in all public places / convenience stores. It involves the problem of finding a public place / convenience store with ATM / CD.

In addition, even when using an ATM / CD provided at a bank window or an ATM / CD provided in a public place / convenience store, it is not possible to withdraw necessary cash if the cash provided in the ATM / CD is insufficient. When cash is withdrawn to the ATM / CD, there is an inconvenience of having to wait a lot of time for cash withdrawal.

In addition, the ATM / CD provided in the bank window as well as the ATM / CD provided in a public place / convenience store draws only a large amount of money, and therefore, it is difficult to withdraw cash including both large and small amounts. .

An object of the present invention for solving the above problems, account opening or registration means for opening or registering a cash withdrawal merchant account (or virtual account) for a cash withdrawal affiliated merchant, and the merchant terminal provided in the cash withdrawal affiliated merchant In the case that a cash withdrawal is requested through a customer account or a customer card linked to the customer account, the balance checking means for comparing the customer account balance with the amount of the cash withdrawal request and confirming the possibility of cash withdrawal for the customer account; As a result, if cash withdrawal is possible, withdraw the cash withdrawal request amount from the customer account, the withdrawal processing means for depositing the withdrawal amount to the cash withdrawal merchant account (or virtual account), and the cash withdrawal When it is confirmed that the requested amount is deposited in the cash withdrawal merchant account (or virtual account), the merchant terminal It is a cash withdrawal transaction with a merchant system having a transmitting means for transmitting the payment transactions and cash payment instructions for the cash withdrawal merchant account (or virtual account) to provide for.

Cash withdrawal transaction method through the merchant according to the present invention, opening or registering a cash withdrawal merchant account (or virtual account) for the cash withdrawal affiliated merchant, and the customer account in the merchant terminal provided in the cash withdrawal affiliated merchants Requesting cash withdrawal through the customer card associated with the check, comparing the customer account balance associated with the customer card with the cash withdrawal amount and confirming the possibility of cash withdrawal for the customer account; If possible, withdraw the cash withdrawal request amount from the customer account, and deposit the withdrawal amount into the cash withdrawal merchant account (or virtual account) and the cash withdrawal request amount for the cash withdrawal When it is confirmed that the deposit is made to a merchant account (or a virtual account), the cash withdrawal request amount is increased from the merchant terminal. It characterized by comprising the step of processing to be drawn out to the customer.

In the cash withdrawal transaction method through the merchant according to the present invention, after withdrawing the cash withdrawal request amount from the customer account, the step of depositing the withdrawal amount into the cash withdrawal merchant account (or virtual account) is After the withdrawal of the cash withdrawal fee amount for the cash withdrawal from the customer account, all or part of the fee amount is further deposited into the cash withdrawal merchant account (or virtual account).

On the other hand, it includes a computer-readable recording medium recording a program for executing the above cash withdrawal transaction method through the merchant.

On the other hand, the cash withdrawal transaction system through the affiliated store according to the present invention, an account opening or registration means for opening or registering a cash withdrawal merchant account (or virtual account) for the cash withdrawal affiliated merchant, and the cash withdrawal affiliated merchant is provided When the withdrawal request from the merchant terminal through the customer account or the customer card associated with the customer account, the balance check means for checking the possibility of cash withdrawal for the customer account by comparing the customer account balance and the cash withdrawal request amount; And withdrawal processing means for depositing the cash withdrawal request amount from the customer account, and depositing the withdrawal amount into the cash withdrawal merchant account (or virtual account) if the cash withdrawal is possible. When it is confirmed that the amount of the cash withdrawal request has been deposited into the cash withdrawal merchant account (or virtual account), the And a transmission means for transmitting a deposit transaction history and a cash payment command for the merchant account (or virtual account) for cash withdrawal to a merchant terminal.

On the other hand, the cash withdrawal transaction system through the merchant according to the present invention, if the cash withdrawal request information through the customer card or the customer card associated with the customer account at the merchant terminal, the cash withdrawal request amount and the fee according to the cash withdrawal Means for checking the possibility of cash withdrawal for the customer account by comparing the sum of the sums and the balance of the customer account; and if the cash withdrawal is possible, withdraw the cash withdrawal request amount and fee amount from the customer account. Then, the cash withdrawal request amount of the withdrawal amount is deposited into the deposit account of the merchant name, and the fee amount of the withdrawn amount is deposited in whole or in part to the deposit account of the merchant name. It is characterized by comprising.

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

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

1 is a diagram illustrating a system configuration for withdrawing cash using a customer card at a cash withdrawal affiliated store according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a customer presents a customer card (eg, a cash card, a check card, or a debit card) associated with a customer account to a cash withdrawal affiliated affiliate store, the affiliated store terminal (or branch, or franchise) For example, a wired terminal, a wireless terminal, CAT / POS, etc.) communicate with the financial institution server 100 to check the customer account balance associated with the customer card to check the withdrawal of the cash withdrawal amount, and then withdraw cash. And withdraw the cash withdrawal amount from the customer account and deposit the cash withdrawal amount into a cash withdrawal merchant account (or virtual account) corresponding to the cash withdrawal affiliated merchant, and then, at the merchant, the cash withdrawal amount corresponding to the cash withdrawal amount to the customer. As a cash withdrawal transaction system configuration to be processed to pay, if one of ordinary skill in the art to which the present invention belongs, By referring to and / or modifying the Figure 1 may be inferred various implementation methods for the system configuration for withdrawing cash using the customer card in the cash withdrawal affiliated stores, the present invention includes all the implementation methods inferred It is made by, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1, a system for withdrawing cash by using a customer card at the cash withdrawal affiliated store includes an affiliated store terminal provided at the cash withdrawal affiliated affiliate store, a communication network (or a van (Value Added Network)) with the affiliated store terminal. Connected through, and checks the customer account balance associated with the customer card by communicating with the merchant terminal to check whether the withdrawal amount for the cash withdrawal amount, and if cash withdrawal is possible, the cash withdrawal amount from the customer account And a financial company server 100 corresponding to at least one or more means (or functional units) for withdrawing money and depositing it into the cash withdrawal merchant account (or virtual account), wherein the customer is associated with the customer card. Correspond to the ledger corresponding to the account or the merchant account for cash withdrawal (or virtual account) in the name of the cash withdrawal affiliated merchant; Provided by the financial system includes a ledger is characterized in that formed.

According to an exemplary embodiment of the present invention, the affiliated store terminal may include a wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line) based on Transmission Control Protocol / Internet Protocol (TCP / IP). Or a wired terminal including a desktop computer or a laptop connected to the information registration server through a cable communication network) or a mobile communication network connected to a code division multiple access (CDMA) based mobile communication network. A wireless communication terminal connected to a terminal, a high speed downlink packet access (HSDPA) based wireless communication network, a portable internet terminal connected to an IEEE 802.16x based high speed wireless internet, or a wireless LAN connected to an IEEE 802.11x based wireless LAN network At least one wireless terminal comprising at least one terminal characterized in that it comprises The.

When the affiliated store terminal includes the wired terminal (or wireless terminal), the affiliated store terminal receives and outputs a cash withdrawal transaction related interface from the financial company server 100 and outputs at least one cash through the cash withdrawal transaction related interface. It is preferable to have a browser program for generating a withdrawal transaction-related full text (or transaction data related to a cash withdrawal transaction, hereinafter referred to as "full text" for traffic data) and transmitting and receiving with the financial institution server 100.

Alternatively, when the affiliated store terminal includes the wired terminal (or wireless terminal), the affiliated store terminal generates at least one cash withdrawal transaction related message from the financial institution server 100 to transmit and receive the full text with the financial institution server 100. It is preferred to have a cash withdrawal transaction program having an interface with cash withdrawal transactions.

In addition, the merchant terminal preferably further comprises a card reader for reading the customer card information from the customer card.

According to another exemplary embodiment of the present disclosure, the affiliated store terminal may include at least one credit authorization terminal (CAT) or a point of sales (POS) terminal provided in the affiliated store. .

When the affiliated store terminal includes the CAT / POS terminal, the affiliated store terminal generates at least one cash withdrawal transaction related message from the financial company server 100 and transmits and receives the cash withdrawal transaction related interface to the financial company server 100. It is preferred to have a cash withdrawal transaction program having a.

The financial company server 100 communicates with the merchant terminal to check the customer account balance associated with the customer card to check whether the withdrawal amount for the cash withdrawal amount, and if cash withdrawal is possible, withdraw the cash from the customer account. Withdraw the amount of money and characterized in that the deposit to the cash withdrawal merchant account (or virtual account).

According to an embodiment of the present invention, the financial institution server 100 withdraws (or withdraws) the cash withdrawal amount from the customer account when withdrawing the cash withdrawal amount from the customer account associated with the customer card. It is preferable to withdraw the fee amount further, and the cash withdrawal fee amount preferably comprises at least one of the financial company fee and the merchant fee.

In addition, the financial company server 100 may further withdraw the transfer fee for the account transfer transaction for depositing the amount withdrawn from the customer account associated with the customer card to the cash withdrawal merchant account (or virtual account), Thereby, this invention is not limited.

When the cash withdrawal fee amount is further included in the cash withdrawal amount from the customer account associated with the customer card according to the method of the present invention, the financial institution server 100 is the merchant side of the cash withdrawal fee amount; It is preferable to check the fee amount and deposit the cash withdrawal amount into the cash withdrawal merchant account (or virtual account) including the affiliated party fee amount.

In more detail, Figure 2 shows that when a merchant customer creates an account opening application including at least one of merchant information and account attribute setting information and submits it to a window provided at a financial institution, the financial institution based on the account opening application The present invention relates to a system for opening a merchant account for cash withdrawal in a face-to-face manner. Specifically, when the merchant customer prepares and submits the account opening application form to the counter, the counter terminal provided at the counter and the account opening system are provided. In the implementation method of opening the cash withdrawal merchant account based on the account opening application information including at least one of the merchant information and account attribute setting information corresponding to the account opening application in connection with the provided financial company server 200 It is about.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for configuring the account opening system for opening the cash withdrawal merchant account. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, although FIG. 2 illustrates the opening of the merchant account for cash withdrawal, the present invention is not limited thereto. However, when the merchant account is already established, the merchant account for the cash withdrawal merchant account is described. May be registered, and the present invention is not limited thereto.

In addition, FIG. 2 includes generating an account opening electronic document and storing it in an electronic document storage in the process of opening a merchant account for cash withdrawal, and a person having ordinary knowledge in the technical field to which the present invention belongs, Reference to FIG. 2 and / or modification may be omitted to store the account opening electronic document in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in FIG.

Hereinafter, based on the account opening application information including at least one account opening application and the corresponding merchant information and account attribute setting information created by the merchant customer through the account opening interface on the account opening system shown in FIG. 2. Components corresponding to at least one or more means and / or functional configurations of opening the cash withdrawal merchant account are referred to as " financial company server 200 " for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, an account opening system for opening an affiliate account for cash withdrawal includes a terminal device including a counter terminal provided in at least one branch (or branch) of a financial institution. The terminal device 270 is connected to the financial company server 200 provided on the account opening system through a financial network.

According to one embodiment of the present invention, the affiliated customer visits the financial institution branch (branch), and through the window (or through the clerk) provided at the financial institution branch (branch) the account opening application (eg , A document having a form for filling in the at least one information item), wherein the merchant customer is to seal the merchant customer's seal for the legal basis for the account opening application. .

Thereafter, when the merchant customer submits the completed account opening application to the teller, the teller scans the account opening application through an image acquisition device to obtain image contents, and responds to the account opening application through the teller terminal. Input (or select) account opening application information including at least one of the acquired image content and merchant information and account attribute setting information written in the account opening application, and the counter terminal corresponds to the image content and account. It is preferable to transmit the opening application information to the financial company server 200 provided on the account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 200 connected to the window terminal is a server (eg, provided on the financial system) , A ledger server, etc.), wherein the financial network connecting the teller terminal and the financial institution server 200 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 200. It is preferable.

In the account opening system as described above, an image acquisition device for acquiring image contents corresponding to an account opening application made by the affiliated store customer, a window terminal used by the employee and the window terminal and the financial company server 200 are connected. The financial network to perform the function of the account opening interface for the merchant customer to register the account opening application information.

The financial company server 200 provided on the account opening system according to the present invention is a generic term for the account opening system side components connected to the terminal device 270 through a financial network, and includes at least one server (or device). It may be implemented, including, or may be implemented by at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 270 is a window terminal connected to a financial network, the financial company server 200 is a ledger server provided on a financial system connected to the window terminal through a financial network. Or it may be a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial company server 200 may include an interface unit 205 for connecting and managing a communication channel with the terminal device 270 through the financial network.

According to an embodiment of the present invention, when the terminal device 270 is a window terminal connected to a financial network, the interface unit 205 connects the communication terminal and a communication channel based on a protocol stack defined in the financial network. In addition, 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 a financial transaction related program provided in the window terminal.

Referring to FIG. 2, when the terminal device 270 connects a communication channel with the financial company server 200 through the interface unit 205, the financial company server 200 is provided in the terminal device 270. Acquire image contents corresponding to the account opening application prepared by the merchant customer through an image acquisition device, and input (or select) account opening application information corresponding to the account opening application to transmit to the financial company server 200. An interface providing unit 210 which generates (or extracts) at least one user interface and provides the generated (or extracted) user interface to the terminal device 270 in association with the interface unit 205, and When the terminal device 270 inputs (or selects) the account opening application information corresponding to the account opening application through the user interface and transmits the information, The information receiving unit 215 for receiving the account opening request information transmitted from the terminal device 270 in association with the face unit 205 and the image obtaining apparatus based on the user interface in the terminal device 270. When the image content corresponding to the account opening application prepared by the merchant customer is obtained and transmitted, it is provided with an image receiving unit 220 for receiving the image content corresponding to the account opening application in conjunction with the interface unit 205. It features.

The interface provider 210 connects a communication channel with the financial institution server 200 through the interface unit 205 and then requests the user interface from the financial institution server 200. Acquire image contents corresponding to the account opening application prepared by the affiliated customer through the image acquisition device provided in the terminal device 270, and input (or select) account opening application information corresponding to the account opening application; A user that generates at least one user interface for transmitting to the financial institution server 200 through the financial network, or extracts from a database (not shown), and in conjunction with the interface unit 205, the generated (or extracted) user An interface may be provided to the terminal device 270 through the financial network.

According to another exemplary embodiment of the present invention, the terminal apparatus 270 acquires image contents corresponding to an account opening application made by the affiliated customer through an image acquisition device, and inputs account opening application information corresponding to the account opening application. (Or select) an information registration program having at least one user interface for transmitting to the financial institution server 200 through the financial network, the account created by the merchant customer through the image acquisition device as described above. Acquire (or extract) the image content corresponding to the opening application, input (or select) the account opening application information corresponding to the account opening application, and generate (or extract) a user interface for transmitting to the financial institution server 200. The interface providing unit 210 provided to the terminal device 270 may be omitted. , To which the present invention is not limited.

Thereafter, the terminal device 270 inputs (or selects) account opening application information including at least one of the affiliated store information and account attribute setting information through the user interface, and the input (or selected) account opening application. Information is transmitted to the financial institution server 200 through the financial network. In response, the information receiving unit 215 is connected to the interface unit 205 and the account opening request information transmitted from the terminal device 270. Characterized in that it receives.

The affiliated store information is affiliated with unique information (for example, merchant name, address, business registration number, phone number, representative phone number, contact information, etc.) associated with the cash withdrawal service for the customer, and member information (for example, the customer ledger) It is preferable to include at least one or more member ID information, or CIF (Customer Information File (CIF) number, etc.) provided.

The account attribute setting information includes at least one kind of cash withdrawal merchant account to be opened through the account opening application information (for example, free withdrawal or savings, etc.) and deposit and withdrawal attribute information to open the cash withdrawal merchant account. It is preferable to comprise.

In addition, the terminal device 270 obtains the image content corresponding to the account opening application created by the affiliated customer through the image acquisition device based on the user interface, and the financial company through the financial network In response thereto, the image receiving unit 220 receives image contents corresponding to the account opening application in association with the interface unit 205.

According to another exemplary embodiment of the present invention, the terminal apparatus 270 acquires image contents corresponding to an account opening application made by the affiliated store customer through the image obtaining apparatus and is provided (or linked) with the terminal apparatus 270. The terminal device 270 selects an image content corresponding to an account opening application created by the affiliated store customer from among at least one image content previously stored in the storage device through the user interface. The financial receiver server 200 transmits the image content corresponding to the account opening application in association with the interface unit 205.

According to another exemplary embodiment of the present invention, the terminal device 270 transmits the image content corresponding to the account opening application written by the affiliated store customer and the account opening application information corresponding to the account opening application through the user interface. In this case, the information receiving unit 215 may be connected with the interface unit 205 to receive image content corresponding to the account opening application and account opening application information together (for example, the image receiving unit 220 may be received by the user). Integrated into the information receiver 215), whereby the present invention is not limited thereto.

Referring to FIG. 2, when the financial institution server 200 receives the account opening application information transmitted from the terminal device 270 through the information receiving unit 215, the received account opening application information is the cash withdrawal. Characterized in that it comprises a validity authentication unit for checking whether the validity for opening the merchant account.

According to an embodiment of the present invention, the validity confirmation of the account opening application information may include registering at least one ledger information matching the account opening application information in the ledger D / B on the financial system linked to the account opening system. It is preferable to include checking whether there is.

For example, the validation of the account opening request information may include storing the merchant information (member store unique information, member information, etc.) included in the account opening application information stored in the ledger D / B on the financial system associated with the account opening system. It is preferable to include checking whether the match with the customer ledger.

Referring to FIG. 2, the financial institution server 200 receives the image content transmitted from the terminal device 270 through the image receiving unit 220, and requests to open the account through the validity checking unit 225. When the validity of the information is authenticated, the electronic document generation unit 230 for generating an account opening electronic document including the received image content, and the electronic document storage associated with the account opening system for the generated account opening electronic document It characterized by comprising an electronic document transmission unit 235 for transmitting to.

The electronic document generator 230 generates an account opening electronic document including the image content received from the terminal device 270 through the image receiver 220.

According to the exemplary embodiment of the present invention, the electronic document generating unit 230 stores the image file including the image contents received from the terminal device 270 through the image receiving unit 220 as it is the account opening electronic document. It is preferable to treat with.

Alternatively, the electronic document generation unit 230 includes a merchant included in the account opening request information received through the information receiving unit 215 on the image content received from the terminal device 270 through the image receiving unit 220. Preferably, the account opening electronic document is generated from an image file corresponding to the image content including at least one of information and account attribute setting information in a watermarking manner.

According to another exemplary embodiment of the present invention, the electronic document generator 230 may include a document file (eg, PDF (Portable) including the image content received from the terminal device 270 through the image receiver 220. The document opening electronic document by generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to.

Alternatively, the electronic document generation unit 230 includes a merchant included in the account opening request information received through the information receiving unit 215 on the image content received from the terminal device 270 through the image receiving unit 220. Generating image content including at least one of information and account attribute setting information by a watermarking method, and including a document file (eg, a PDF (Portable Document Format) file or EDI) including the generated image content (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate the account opening electronic document.

According to another exemplary embodiment of the present invention, the electronic document generator 230 receives the image content and the information receiver 215 received from the terminal device 270 through the image receiver 220. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the like) including MHT, or MHT It is preferable to generate the account opening electronic document by generating a web document file.

Alternatively, the electronic document generation unit 230 includes a merchant included in the account opening request information received through the information receiving unit 215 on the image content received from the terminal device 270 through the image receiving unit 220. Generating an image content including at least one of information and account attribute setting information by a watermarking method, and a document file (eg, PDF (Portable Document) including the generated image content and the account opening request information; Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 230 corresponds to the technical features to generate an account opening electronic document in the form of an image file or document file, and correspond to the account opening electronic document Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 235 transmits and stores the account opening electronic document generated by the electronic document generating unit 230 to an electronic document storage associated with the account opening system.

As shown in FIG. 2, the electronic document repository includes an electronic document server 245 and an electronic document D / B 265 linked to the financial institution server 200 on the account opening system through a communication means. When provided, the electronic document transmission unit 235 is characterized in that for transmitting the account opening electronic document generated by the electronic document generation unit 230 to the electronic document server 245 through the communication means. .

Herein, when the electronic document server 245 and the electronic document D / B 265 are provided outside the account opening system, the electronic document server 245 and the electronic document D / B 265 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the account opening system, the electronic document transmitting unit 235 is the account generated by the electronic document generating unit 230. The opening electronic document can be stored in the electronic document D / B 265 corresponding to the electronic document storage on the DBMS provided in the account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 235 may be configured to perform electronic document related information (eg, the affiliated store information or the account opening electronic document) for generating electronic document management information in the electronic document server 245. Financial institution information, or electronic document file format information, or the account opening request information, etc.) may be transmitted to the electronic document storage, and the present invention is not limited thereto.

Referring to FIG. 2, when the account opening application information received through the information receiving unit 215 is authenticated through the validity checking unit 225, the financial institution server 200 opens the account in which the validity is verified. And an account opening unit 240 for opening a cash withdrawal merchant account including the account attribute setting information based on the merchant information and the account attribute setting information included in the application information.

When the validity of the account opening application information is confirmed by the validity confirming unit 225, the account opening unit 240 connects the customer ledger including affiliate store information included in the account opening application information in connection with the financial system. After generating (or confirming the customer ledger that is already matched with the merchant information), after generating the account ledger information including the account attribute included in the account opening application information, the account ledger associated with the customer ledger By storing the account ledger information in, it is characterized in that for opening the cash withdrawal merchant account corresponding to the account opening application information.

Referring to FIG. 2, an electronic document server 245 which receives an account opening electronic document from the financial institution server 200 provided on the account opening system and stores and manages it in the electronic document D / B 265, communicates. Electronic document receiving unit 250 for receiving the account opening electronic document from the financial institution server 200 through the means, and the electronic document for storing and managing the received account opening electronic document in the electronic document D / B (265) An information generation unit 255 for generating management information, and an electronic document storage unit 260 for storing the electronic document management information and the account opening electronic document in an electronic document D / B 265 and storing the information. It is characterized by.

The electronic document receiving unit 250 is characterized in that for receiving the account opening electronic document in the form of an image file or a document file from the financial institution server 200 through the communication means.

According to an embodiment of the present invention, the electronic document receiving unit 250, the account opening electronic document received through the communication means includes the image content received by the financial institution server 200 from the terminal device 270 It is preferable to include an image file as it is.

Alternatively, the account opening electronic document received by the electronic document receiving unit 250 through the communication means may be included in the account opening request information in the image content received by the financial institution server 200 from the terminal device 270. It is preferable to include an image file corresponding to the image content including at least one or more information of the merchant information and the account attribute setting information by a watermarking method.

According to another exemplary embodiment of the present invention, the account opening electronic document received by the electronic document receiving unit 250 through the communication means includes the image content received by the financial institution server 200 from the terminal device 270. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

Alternatively, the account opening electronic document received by the electronic document receiving unit 250 through the communication means is a merchant that is included in the account opening request information in the image content received by the financial institution server 200 from the terminal device 270. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing image content including at least one of information and account attribute setting information in a watermarking manner. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

According to another embodiment of the present invention, the account opening electronic document received by the electronic document receiving unit 250 through the communication means and the image content received by the financial institution server 200 from the terminal device 270 A document file including the account opening request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). Web document files).

Alternatively, the account opening electronic document received by the electronic document receiving unit 250 through the communication means is a merchant that is included in the account opening request information in the image content received by the financial institution server 200 from the terminal device 270. Image content including at least one or more of the information and the account attribute setting information by a watermarking method and a document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the account opening request information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

The information generating unit 255 is an electronic document unique number (or unique information) to be assigned to the account opening electronic document received through the electronic document receiving unit 250 and the account opening electronics through the electronic document receiving unit 250. And generating electronic document management information including electronic document storage date and time information including a date and a time at which the document was received (or a date and time at which the account opening electronic document was stored).

According to the exemplary embodiment of the present invention, the information generator 255 refers to the account opening electronic document by referring to the financial institution server 200 which has transmitted the account opening electronic document received through the electronic document receiving unit 250. It is preferable to identify the financial institution that has been transmitted and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when electronic document related information is further received from the financial institution server 200 through the electronic document receiving unit 250, the information generating unit 255 is related to the received electronic document. It is preferable to generate electronic document management information further including information (for example, the merchant information, financial institution information for transmitting the account opening electronic document, or electronic document file format information, or the account opening application information, etc.). Do.

The electronic document storage unit 260 processes the electronic document management information generated through the account opening electronic document received through the electronic document receiving unit 250 and the information generating unit 255 in an electronic document D / B ( 265) characterized in that the storage.

According to the exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is received by the financial institution server 200 from the terminal device 270. It is preferable to include an image file including one image content as it is.

Alternatively, the account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 may include the account in the image content received by the financial institution server 200 from the terminal device 270. It is preferable to include an image file corresponding to the image content including at least one or more of the merchant information and the account attribute setting information included in the application information to the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is the financial company server 200 from the terminal device 270. A document file containing the received image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including an MHT). Document files).

Alternatively, the account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 may open the account in the image content received by the financial institution server 200 from the terminal device 270. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more of merchant information and account attribute setting information included in the application information in a watermarking manner). Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 is the financial company server 200 by the terminal device 270. A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content received from the account and the account opening request information. File, or a web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B 265 by the electronic document storage unit 260 may open the account in the image content received by the financial institution server 200 from the terminal device 270. Image content including at least one or more of merchant information and account attribute setting information included in the application information in a watermarking manner, and a document file (for example, a PDF (Portable Document Format) file) including the account opening application information. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 265 by the electronic document storage unit 260 in association with the account opening electronic document is stored in the account opening electronic document. Preferably, the assigned electronic document unique number (or unique information) and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 265 by processing the electronic document storage unit 260 in association with the account opening electronic document is the account opening electronic document. It is preferable that the financial institution server 200, which has been transmitted, further comprises information on the financial institution which has confirmed the account opening electronic document.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the financial institution server 200, the electronic document storage unit 260 processes the electronic document D / C in association with the account opening electronic document. The electronic document management information stored in the B 265 includes the received electronic document related information (for example, the merchant information, the financial institution information for transmitting the account opening electronic document, the electronic document file format information, or the account). Establishment application information, etc.) is preferable.

3 is a diagram illustrating a ledger configuration corresponding to a cash withdrawal merchant account opened in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 3 corresponds to the cash withdrawal merchant account opened through the account opening system shown in FIG. 2 in the ledger D / B 300 provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention having an account ledger, a person having ordinary knowledge in the art to which the present invention pertains refers to the configuration of a ledger corresponding to the cash withdrawal merchant account by referring to and / or modifying the drawing 3. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 300 provided in the DBMS on the financial system is a customer ledger, and at least one account ledger associated with the customer ledger ( For example, a reception ledger, a loan ledger, etc.) and at least one information associated with the account ledger are illustrated. If a person having ordinary knowledge in the technical field to which the present invention belongs, the DBMS on the financial system is provided. The ledger D / B 300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) or at least one for maintaining the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the above additional information is included, and the specific technical matters therefor will be understood. Omitted costumes.

The customer ledger includes customer information included in the account opening application information, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, a regional classification code, Phone number, business number, trade name, classification code, expiration date, status head office information, settlement date, cash available date, surname, 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, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the account opened in correspondence with the account opening application information, which is linked to the customer ledger in a relational manner, and includes an account number, a CIF number, a branch number, a currency, an opening date, a state, a product type, an interest rate, Password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions It includes at least one or more interest rate account accounts, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), Periodic reception information including at least one period (days), period extension, maturity date, and target amount, or account number, deposit amount, par value, pension date, and number of shares corresponding to the account ledger. Trust reception information including at least one, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment corresponding to the ledger Transaction information including at least one bank account line, summary, CIF, and the like.

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.

4A and 4B illustrate a process of opening a cashier affiliate account in a face-to-face manner according to one embodiment of the present invention.

4a and 4b show a terminal terminal in which a terminal device 270 on the account opening system shown in FIG. 2 is provided at a branch (or branch) of a financial institution, and the financial institution server 200 connects to a financial network. In the case of having a ledger server (not shown) function in the financial system associated with the counter terminal, the merchant customer prepares an account opening application including at least one merchant information and account attribute setting information and is provided to the financial institution. When submitted to the window, the financial institution is a system configuration for opening a cash withdrawal merchant account in a face-to-face manner based on the application for opening the account, specifically, the merchant customer fill out the account opening application form and submit to the window And, at the window terminal, obtain image contents corresponding to the account opening application through the image acquisition device. After the transfer to the financial institution server 200, input (or select) the account opening application information corresponding to the account opening application to the financial institution server 200, and in response to the financial institution server 200 The present invention relates to an implementation method of opening the cash withdrawal merchant account based on the account opening application information including at least one of the merchant information and the account attribute setting information.

Those skilled in the art to which the present invention pertains, various implementation methods for providing the account opening request information to the financial company server 200 at the window terminal by referring to and / or modified in the drawings 4a and 4b. It may be inferred that, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in Figures 4a and 4b.

For example, although the implementation method shown in FIGS. 4A and 4B includes a process of generating an electronic document corresponding to the account opening application and storing it in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following Figures 4a and 4b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial institution server 200 shown in Figure 2 is referred to as "server" for convenience, and said window terminal The merchant information and account attribute setting information transmitted to the financial institution server 200 are referred to as "account opening application information" for convenience.

4A and 4B, when a merchant customer prepares and submits an account opening application including at least one of merchant information and account attribute setting information, the window terminal shown in FIG. 2 is connected to the server through a financial network. When the user accesses the communication channel and the user interface corresponding to the account opening application (400), the server corresponding to the account opening application prepared by the merchant customer through the image acquisition device in response to the request; A user interface for acquiring and transmitting image content to the server is generated (or extracted) ◎ 405, and the generated (or extracted) user interface is transmitted to the terminal through the financial network (410).

Thereafter, the terminal acquires image content corresponding to the account opening application through the image acquisition device based on the user interface (415).

If image content corresponding to the account opening application is obtained through the image acquisition device (420), the terminal transmits the obtained image content to the server through the financial network (425).

Thereafter, the server inputs (or selects) account opening application information including at least one of merchant information and account attribute setting information corresponding to an account opening application that matches the image content, and transmits the user interface to the server. ◎ 430 under the generated (or extracted), the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (435).

Thereafter, the terminal inputs (or selects) account opening application information including at least one of the affiliated store information and account attribute setting information through the user interface.

If the account opening application information including at least one of the merchant information and the account attribute setting information is input (or selected) through the user interface (◎ 445), the terminal inputs the input to the server through the financial network (or Selected) transmits the account opening application information (450).

Thereafter, the server receives and reads the account opening application information including at least one of the affiliate store information and the account attribute setting information through the financial network to check the validity of the account opening application information (455).

According to an embodiment of the present invention, the validity confirmation of the account opening application information may include at least one or more ledger information matching the account opening application information in the ledger D / B 300 on the financial system associated with the account opening system. It is preferable to include checking whether it is registered.

For example, the validation of the account opening application information may include determining that the affiliated store information (membership unique information, member information, etc.) included in the account opening application information is the ledger D / B 300 on the financial system associated with the account opening system. It is desirable to include a check that matches the customer ledger stored in).

If the validity of the account opening application information is not authenticated (460), the server generates the account opening error information and transmits it to the terminal (465), and does not perform an account opening procedure corresponding to the account opening application information. Do not.

On the other hand, if the validity of the account opening request information is authenticated (460), the server generates an account opening electronic document containing the image content (470).

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device 270 through the image receiving unit 220 as the account opening electronic document. .

Alternatively, the server may include merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 215 on the image content received from the terminal device 270 through the image receiving unit 220. It is preferable to generate the account opening electronic document with an image file corresponding to the image content including at least one or more of the information in a watermarking method.

According to another exemplary embodiment of the present disclosure, the server may include a document file (eg, a Portable Document Format (PDF) file, or a PDF file) including the image content received from the terminal device 270 through the image receiving unit 220. It is preferable to generate the account opening electronic document by generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, the server may include merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 215 on the image content received from the terminal device 270 through the image receiving unit 220. Generate image content including at least one of the information in a watermarking method, and a document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) including the generated image content. , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate the account opening electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 270 through the image receiving unit 220 and the account opening request information received through the information receiving unit 215. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). By generating, it is preferable to generate the account opening electronic document.

Alternatively, the server may include merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 215 on the image content received from the terminal device 270 through the image receiving unit 220. Generating image content including at least one or more of the information by a watermarking method, and a document file (eg, a Portable Document Format (PDF) file, or EDI) including the generated image content and the account opening request information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate the account opening electronic document.

Those skilled in the art to which the present invention pertains include technical features that the server generates an account opening electronic document in an image file format or a document file format, and an image file or document file corresponding to the account opening electronic document. Since you will be familiar with the technical features of the file format for, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account opening electronic document in an electronic document storage (475).

As shown in FIG. 2, when the electronic document storage is provided externally including an electronic document server 245 and an electronic document D / B 265 linked through a communication means with a server on the account opening system. The server preferably transmits the generated account opening electronic document to the electronic document server 245 through the communication means and stores the electronic document server 245 in the electronic document D / B 265.

Alternatively, when the electronic document storage is provided on a DBMS provided in the account opening system, the server may convert the generated account opening electronic document to an electronic document storage on the DBMS provided in the account opening system. It is possible to store in the D / B 265, whereby the present invention is not limited.

According to the method of the present invention, storing the account opening electronic document in the electronic document storage, the electronic document D / B shown in Figure 2 by processing the generated account opening electronic document and the electronic document management information It is preferable to include storing at 265.

Here, the electronic document management information preferably includes an electronic document unique number (or unique information) assigned to the account opening electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the account opening electronic document.

In addition, the electronic document management information further includes electronic document related information (eg, the merchant information, financial institution information for transmitting the account opening electronic document, or electronic document file format information, or the account opening application information, etc.). It is preferable to make it.

If the account opening electronic document is stored in the electronic document storage (480), the server generates account ledger information corresponding to the account opening application information for opening the cash withdrawal merchant account (485), the financial After opening the cash withdrawal merchant account including the account ledger information in association with the system (490), the account opening history information is generated (or extracted) and transmitted to the terminal (495).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and is provided. ), After generating the account ledger information including the account attribute included in the account opening application information, and storing the account ledger information in the account ledger associated with the customer ledger, in response to the account opening application information; It is desirable to open a merchant account for cash withdrawals.

5a and 5b show a terminal terminal in which a terminal device 270 on the account opening system shown in FIG. 2 is provided at a branch (or branch) of a financial institution, and the financial company server 200 connects to a financial network. In the case of having a ledger server (not shown) function in the financial system associated with the counter terminal, the merchant customer prepares an account opening application including at least one merchant information and account attribute setting information and is provided to the financial institution. When submitted to the window, the financial institution is a system configuration for opening a cash withdrawal merchant account in a face-to-face manner based on the application for opening the account, specifically, the merchant customer fill out the account opening application form and submit to the window In the terminal, the account opening application information corresponding to the account opening application is input (or selected). After transmitting to the financial company server 200, through the image acquisition device to obtain the image content corresponding to the account opening application and transmits to the financial company server 200, and corresponding to the merchant information from the financial company server 200 And an implementation method of opening the cash withdrawal merchant account based on the account opening application information including at least one account property setting information.

Those skilled in the art to which the present invention pertains, various implementation methods for providing the account opening application information to the financial company server 200 at the teller terminal by referring to and / or modifying the figures 5a and 5b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 5a and 5b.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating an electronic document corresponding to the account opening application and storing it in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

Hereinafter, the window terminal shown in FIG. 2 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the financial company server 200 shown in FIG. 2 will be referred to as "server" for convenience. The merchant information and account attribute setting information transmitted to the financial institution server 200 are referred to as "account opening application information" for convenience.

Referring to FIGS. 5A and 5B, when a merchant customer prepares and submits an account opening application including at least one of merchant information and account attribute setting information, the teller terminal shown in FIG. 2 is connected to the server through a financial network. When the communication channel is connected and a user interface corresponding to the account opening application is requested (500), in response thereto, the server acquires merchant information and account attribute setting information corresponding to the account opening application written by the merchant customer. Generate (or extract) a user interface for inputting (or selecting) account opening application information including at least one of the information, and transmitting the same to the server. The transmission is output to the terminal (510).

Thereafter, the terminal inputs (or selects) account opening application information including at least one of the affiliate store information and the account attribute setting information through the user interface.

If the account opening application information including at least one of the merchant information and the account attribute setting information is input (or selected) through the user interface (◎ 520), the terminal inputs the input to the server through the financial network (or The selected account opening application information is transmitted (525).

Thereafter, the server receives and reads the account opening application information including at least one of the affiliate store information and the account attribute setting information through the financial network to check the validity of the account opening application information (530).

If the validity of the account opening request information is not authenticated (535), the server generates account opening error information and transmits it to the terminal (540), and does not perform an account opening procedure corresponding to the account opening request information. Do not.

On the other hand, if the validity of the account opening request information is authenticated (535), the server acquires the image content corresponding to the account opening application created by the merchant customer through the image acquisition device in the terminal for transmitting to the server In step 550, an interface is generated (or extracted), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (550).

Thereafter, the terminal acquires image content corresponding to the account opening application through the image acquisition device based on the user interface (555).

If image content corresponding to the account opening application is obtained through the image acquisition device (560), the terminal transmits the obtained image content to the server through the financial network (565).

The server receiving the account opening request information and the image content from the terminal generates an account opening electronic document including the image content (570).

Alternatively, the server may set merchant information and account attributes included in the account opening request information received through the information receiver 215 on the image content received from the terminal device 270 through the image receiver 220. Preferably, the account opening electronic document is generated from an image file corresponding to image content including at least one or more pieces of information in a watermarking manner.

Alternatively, the server may include merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 215 on the image content received from the terminal device 270 through the image receiving unit 220. Generating image content including at least one or more of the information by a watermarking method, and a document file (eg, a PDF (Portable Document Format) file or EDI) including the generated image content and the account opening request information (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate the account opening electronic document.

Those skilled in the art to which the present invention pertains include technical features that the server generates an account opening electronic document in an image file format or a document file format, and an image file or document corresponding to the account opening electronic document. Since you will be familiar with the technical features of the file format for the file, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account opening electronic document in an electronic document storage (575).

According to an embodiment of the present invention, the storing of the account opening electronic document in the electronic document storage is performed by linking the generated account opening electronic document and electronic document management information to the electronic document D / It is preferable to include storing in B (265).

If the account opening electronic document is stored in the electronic document storage (580), the server generates account ledger information corresponding to the account opening application information (585) for opening the cash withdrawal merchant account (585), the financial After opening the cash withdrawal merchant account including the account ledger information in connection with the system (590), the account opening history information is generated (or extracted) and transmitted to the terminal (595).

In more detail, FIGS. 6A and 6B are window terminals in which a terminal device 270 on the account opening system shown in FIG. In the case of having a ledger server (not shown) function in the financial system associated with the counter terminal, the merchant customer prepares an account opening application including at least one merchant information and account attribute setting information and is provided to the financial institution. When submitted to the window, the financial institution is a system configuration for opening a cash withdrawal merchant account in a face-to-face manner based on the application for opening the account, specifically, the merchant customer fill out the account opening application form and submit to the window If the window terminal, through the image acquisition device to capture the image content corresponding to the account opening application And input (or select) account opening application information corresponding to the account opening application, and transmit the image paper content and account opening application information to the financial institution server 200. In response, the financial institution server 200 An embodiment of the present invention relates to a method for opening the merchant account for cash withdrawal based on account opening application information including at least one of the merchant information and the account attribute setting information.

Those skilled in the art to which the present invention pertains, various implementation methods for providing the account opening application information to the financial company server 200 at the window terminal by referring to and / or modified in the drawings 6a and 6b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 6a and 6b.

For example, although the implementation method illustrated in FIGS. 6A and 6B includes a process of generating an electronic document corresponding to the account opening application and storing it in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial company server 200 shown in Figure 2 is referred to as "server" for convenience, and said window terminal The merchant information and account attribute setting information transmitted to the financial institution server 200 are referred to as "account opening application information" for convenience.

6A and 6B, when a merchant customer prepares and submits an account opening application including at least one of merchant information and account attribute setting information, the teller terminal shown in FIG. 2 is connected to the server through a financial network. When the user accesses the communication channel and the user interface corresponding to the account opening application (600), the server corresponding to the account opening application information corresponding to the account opening application created by the merchant customer in the terminal; Input (or select) and generate (or extract) a user interface for acquiring and transmitting image contents corresponding to the account opening application through the image acquisition device to the server ◎ 605), and generating the data through the financial network. In operation 610, the extracted user interface is transmitted to the terminal.

Thereafter, the terminal inputs (or selects) account opening application information including at least one of the merchant information and the account attribute setting information through the user interface.

If the account opening application information including at least one of the merchant information and the account attribute setting information is input (or selected) through the user interface (◎ 620), the terminal receives the image through the image acquisition apparatus based on the user interface. The image content corresponding to the account opening application is obtained (625).

If image content corresponding to the account opening application is obtained through the image acquisition device (630), the terminal transmits the account opening application information and the image content to the server through the financial network (635).

Thereafter, the server receives and reads the account opening application information including at least one of the affiliate store information and the account attribute setting information through the financial network to check the validity of the account opening application information (640).

If the validity of the account opening request information is not authenticated (645), the server generates account opening error information and transmits it to the terminal (650), and performs a new account opening procedure corresponding to the account opening request information. I never do that.

On the other hand, if the validity of the account opening request information is authenticated (645), the server generates an account opening electronic document containing the image content (655).

Thereafter, the server stores the generated account opening electronic document in an electronic document storage (660).

Alternatively, when the electronic document storage is provided on a DBMS provided in the account opening system, the server may include the generated electronic document opening electronic document corresponding to the electronic document storage on the DBMS provided in the account opening system. It is possible to store in the document D / B 265, whereby the present invention is not limited.

If the account opening electronic document is stored in the electronic document storage (665), the server generates account ledger information corresponding to the account opening application information for opening the cash withdrawal merchant account (670), the financial After opening the cash withdrawal merchant account including the account ledger information in connection with the system (675), the account opening history information is generated (or extracted) and transmitted to the terminal (680).

7 is a diagram illustrating a non-face-to-face account opening system for opening a cash withdrawal merchant account according to another embodiment of the present invention.

In more detail, Figure 7 shows that when a merchant customer provides account opening application information including at least one of merchant information and account attribute setting information to the financial institution through a non-face-to-face account opening interface, the financial institution requests the account opening. A system configuration for opening the merchant account for cash withdrawal based on the information. Specifically, if the merchant customer provides the account opening application information to the account opening system through a non-face-to-face channel, the account opening system It relates to an implementation method of opening the merchant account for cash withdrawal based on the account opening application information including at least one of the merchant information and account attribute setting information through the financial company server 700 provided in the.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 7 to infer various implementation methods for configuring the account opening system for opening the cash withdrawal merchant account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, although FIG. 7 illustrates the opening of the merchant account for cash withdrawal, the present invention is not limited thereto. However, when the merchant account is already established, the merchant account for cash withdrawal is registered. May be registered, and the present invention is not limited thereto.

In addition, FIG. 7 includes generating an account opening electronic document and storing it in an electronic document storage in the process of opening an account for a cash withdrawal account, and a person having ordinary knowledge in the technical field to which the present invention belongs, The account opening electronic document may be omitted by referring to and / or modifying the drawing 7 in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in the drawing 7 only.

Hereinafter, receiving the account opening application information including at least one of the merchant information and the account attribute setting information from the customer through the account opening interface on the account opening system shown in FIG. 7 to open the merchant account for cash withdrawal; Components corresponding to at least one or more means and / or functional configurations are referred to as " financial company server 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, the account opening system for opening an affiliate account for cash withdrawal includes a terminal device 770 including at least one wired terminal or a wireless terminal used by a merchant customer. The terminal device 770 is connected to the financial company server 700 provided on the account opening system through a communication network.

According to one embodiment of the invention, the merchant customer is connected to the financial institution server 700 through at least one or more client terminals of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, the financial company server 700 When the account opening application information is input (or selected) through at least one user interface provided by the user, it is preferable to transmit from the client terminal to the financial institution server 700 provided on the account opening system through a communication network. .

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 770 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and may be a desktop computer connected to the TCP / IP based communication network. At least one notebook or a home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise.

In addition, the wireless terminal connected to the wireless communication network is any terminal device 770 connected to a mobile communication network of Code Division Multiple Access (CDMA) based (or High-Speed Downlink Packet Access (HSDPA) based), or IEEE 802.16x based portable. A generic term for all terminal devices 770 connected to the Internet, or all terminal devices 770 connected to an IEEE 802.11x-based wireless LAN, the personal communication system being connected to the CDMA-based (or HSDPA-based) mobile communication network; PCS) or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones Or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless LAN connected to the IEEE 802.11x based wireless LAN. It comprises a terminal such as seonraen at least one are preferred.

In addition, the financial company server 700 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics and communication network of the client terminal, or a separate for registration of the information. It is preferable to include a web server of.

In addition, the communication network connecting the client terminal and the financial institution server 700 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based portable Internet or IEEE 802.11x depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the base WLAN, or including a wireless communication network of all kinds proposed in the future including a wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 700, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 700 (E.g., a browser program and a communication function, or a communication program and a communication function for communicating with the financial institution server 700, etc.) are preferably provided.

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

In the account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the affiliated store customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the financial company server 700. The merchant customer performs a function of an account opening interface for registering the account opening application information.

According to another exemplary embodiment of the present invention, the terminal device 770 may include an automatic teller machine (ATM) and a cash dispenser connected to a financial network (for example, a financial common network) in addition to the client terminal. A call terminal (not shown) further comprising a financial automation device (not shown) including a CD, or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network; ), Or further comprising a call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or provided with at least one organization affiliated with the financial institution ( Or a server) (not shown), by which the present invention is not limited.

In the account opening system as described above, when the terminal device 770 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 700 The financial network that connects) performs the function of the account opening interface for the merchant customer to register the account opening application information, or when the terminal device 770 is the call terminal (not shown), the call terminal (Not shown) and the wired telephone network or wireless telephone network connecting the call terminal (not shown) and the financial company server 700 performs a function of an account opening interface for the merchant customer to register the account opening request information. Or a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal device 770, the terminal (or server) (not shown) and the Horse (or server) network to connect (not shown) and the bank server 700 is performing the functions of account opening interface for registering the customer is a merchant account opening application information.

The financial institution server 700 provided on the account opening system according to the present invention is a generic term for the account opening system side components connected to the terminal device 770 through a communication network, and includes at least one server (or device). It may be implemented as, or at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 770 is a client terminal including a wired terminal or a wireless terminal that can be connected to an internet banking server on an internet banking system, the financial institution server 700 may be connected to the Internet banking system. Internet banking server provided in, or a program provided in the Internet banking server, or a server (or device) accessible to the outside world of the financial system through the Internet banking system, or provided in the server (or device) Program, or a server (or device) provided in the external world on the financial system accessible through the Internet banking server (or the server (or device)), or a program provided in the external world on the financial system. As such, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a client terminal including a wireless terminal connectable to a wireless banking server on a wireless banking system, the financial institution server 700 is provided on the wireless banking system. A program provided in the wireless banking server, a program provided in the wireless banking server, or a server (or device) accessible to the outside world of the financial system through the wireless banking system, or a program provided in the server (or device) Or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a call terminal (not shown) connectable to a telebanking server on a telebanking system, the financial company server 700 is provided on the telebanking system. A telebanking server (eg, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a server (or device) accessible to the external system of the financial system through the telebanking system. 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 the finance It may be a program provided in the external system on the system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a TV banking system, the financial institution server 700 may be connected to the TV banking system. A TV banking server provided in the program, or a program provided in the TV banking server, or a server (or device) accessible to the outside world of the financial system through the TV banking system, or provided in the server (or device). A program or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)) or a program provided in the external system on the financial system. As such, the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial institution server 700 may include an interface unit 705 for connecting and managing a communication channel with the terminal device 770 through the communication network.

According to an embodiment of the present invention, when the terminal device 770 is a client terminal including a wired terminal or a wireless terminal connected to a wired communication network or a wireless communication network, the interface unit 705 connects to the wired communication network or a wireless communication network. Connecting a communication channel with the client terminal based on a defined protocol stack, and providing 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. desirable.

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. Using the HTPP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 700, the interface unit 705 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a client terminal including a wireless terminal connected to a wireless communication network, the interface unit 705 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to connect a communication channel with a client terminal and 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.

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

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 700, the interface unit 705 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a financial automation device connected to a financial network, the interface unit 705 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by 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 terminal device 770 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 705 is defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting a call terminal (not shown) and a call path based on a voice call protocol and transmitting and receiving information (or data) based on the voice call.

For example, the interface unit 705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device 770 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 705 is a protocol stack defined in the TV banking system. Connects a communication channel with the wired terminal (or bidirectional digital TV) based on the above, 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. 7, when the terminal device 770 connects the communication channel with the financial company server 700 through the interface unit 705, the financial company server 700 opens an account at the terminal device 770. Generate (or extract) at least one user interface that inputs (or selects) application information and transmits it to the financial institution server 700, and generates (or extracts) the user interface in association with the interface unit 705. Interface providing unit 710 for providing the terminal device 770 with the account opening request information through the user interface and transmitting (or selecting) the interface unit 705. And an information receiving unit 715 for receiving the account opening request information transmitted from the terminal device 770.

The interface provider 710 connects a communication channel with the financial institution server 700 through the interface unit 705 and then requests the user interface from the financial institution server 700. Generating at least one user interface for inputting (or selecting) account opening request information from the terminal device 770 to the financial institution server 700 through the communication network, or extracting from a database (not shown). In addition, the user interface generated by the interworking with the interface unit 705 may be provided to the terminal device 770 through the communication network.

According to an embodiment of the present invention, when the terminal device 770 is a client terminal including a wired terminal connected to a wired communication network, the interface providing unit 710 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a user interface that can be provided and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a client terminal including a wireless terminal connected to a wireless communication network, the interface providing unit 710 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a user interface that can be provided and provide the generated (or extracted) user interface to the client terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a financial automation device connected to a financial network, the interface providing unit 710 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 705.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 710 is connected to the call terminal (not shown). Creating (or extracting) a user interface that can be provided and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 705. desirable.

According to another exemplary embodiment of the present invention, when the terminal device 770 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 710 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a user interface that can be provided to a TV) and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705.

According to another exemplary embodiment of the present invention, information registration including at least one user interface for inputting (or selecting) account opening application information to the terminal device 770 and transmitting the information to the financial institution server 700 through the communication network is performed. When the program is provided, the interface agent for generating (or extracting) a user interface for inputting (or selecting) the account opening request information and transmitting it to the financial institution server 700 and providing it to the terminal device 770 as described above. Study 710 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 770 inputs (or selects) account opening application information including at least one of the affiliated store information and account attribute setting information through the user interface, and the input (or selected) account opening application. Information is transmitted to the financial institution server 700 through the communication network. In response thereto, the information receiving unit 715 transmits the account opening request information transmitted from the terminal device 770 in association with the interface unit 705. It is characterized by receiving.

According to an embodiment of the present invention, the terminal device 770 validates the validity of the account opening application information in the financial institution server 700 in account opening application information including at least one of the merchant information and the account attribute setting information. It is preferable to further include at least one or more password or security card information or an OTP code generated through the One Time Password (OTP) generator for confirmation to the financial institution server 700 through the communication network.

According to an embodiment of the present invention, the terminal device 770 may include at least one encryption method (for example, a symmetric key based encryption method or public disclosure) of account opening application information including at least one of the merchant information and the account attribute setting information. A key-based encryption method, an electronic envelope-based encryption method, or a key exchange-based encryption method), or by attaching an electronic signature to the account opening request information and transmitting it to the financial institution server 700 through the communication network. Preferably, for this purpose, the terminal device 770 includes at least one encryption key corresponding to the encryption method, or has a certificate including at least one encryption key, or the certificate is an IC chip ( Or IC card), check the official certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided.

According to an embodiment of the present invention, the terminal device 770 may include at least one encryption method (for example, a symmetric key based encryption method or public disclosure) of account opening application information including at least one of the merchant information and the account attribute setting information. A key-based encryption method, an electronic envelope-based encryption method, or a key exchange-based encryption method, and the like, and transmits the encrypted data to the financial institution server 700 through the communication network. When the IC chip (or IC card) is provided with at least one or more encryption keys corresponding to an encryption method, or has an official certificate including at least one or more encryption keys, or the IC certificate (or IC card) is provided, Or IC card) is preferably provided with a card reader for confirming the official certificate provided.

Those skilled in the art will be familiar with the technical features of the various encryption methods for encrypting the account opening application information, and the technical features for attaching the electronic signature to the account opening application information. Therefore, detailed description thereof will be omitted for convenience.

Referring to FIG. 7, when the financial institution server 700 receives the account opening application information transmitted from the terminal device 770 through the information receiving unit 715, the received account opening application information is the cash withdrawal. Characterized in that it comprises a validity authentication unit for checking whether the validity for opening the merchant account.

According to an embodiment of the present invention, the account opening request information may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). Is encrypted, the validity authentication unit at least one decryption method (for example, symmetric key based decryption method, public key based decryption method, electronic envelope based decryption method) corresponding to the encrypted account opening request information; , Or a key exchange based decryption scheme) to authenticate the validity of the received account opening application information.

Alternatively, when the electronic signature is attached to the account opening application information, the validity authentication unit may verify the validity of the received account opening application information by checking the electronic signature attached to the account opening application information.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted account opening application information, and technical features for confirming the electronic signature attached to the account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the account opening application information received through the information receiving unit 715 according to the embodiment of the present invention further includes a password for checking the validity of the account opening application information, the validity authentication unit is the account opening application It is preferable to authenticate the validity of the received account opening application information by comparing and authenticating a password included in the information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the account opening application information received through the information receiving unit 715 further includes security card information for checking the validity of the account opening application information, the validity authentication unit is included in the account opening application information. By comparing and authenticating the received security card information with the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received account opening application information.

Alternatively, when the account opening application information received through the information receiving unit 715 further includes an OTP code for checking the validity of the account opening application information, the validity authentication unit is included in the account opening application information. It is preferable to authenticate the validity of the received account opening application information by comparing and authenticating the received OTP code and the OTP code generated based on the OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, the validity of the account opening application information is determined whether at least one or more ledger information matching the account opening application information is registered in the ledger D / B on the financial system associated with the account opening system It is preferable to include checking.

Referring to FIG. 7, when the validity of the account opening application information is authenticated through the validity verification unit 725, the financial institution server 700 generates an account opening electronic document including the received account opening application information. The electronic document generating unit 730 and the electronic document transmitting unit 735 for transmitting the generated account opening electronic document to the electronic document storage associated with the account opening system.

The electronic document generating unit 730 may generate an account opening electronic document including the account opening request information received from the terminal device 770 through the information receiving unit 715.

According to an exemplary embodiment of the present invention, the electronic document generation unit 730 may include at least one of merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 715. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as the account opening electronic document.

Alternatively, the electronic document generation unit 730 generates document content including at least one merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 715, and the document A document file (eg, PDF) containing document content including the watermarking after including at least one information of merchant information and account attribute setting information included in the account opening request information in a watermarking method. (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more HWP / DOC, or web document files including MHT) It is preferable.

Alternatively, the electronic document generating unit 730 generates document content including at least one of merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 715, and the document content. It is preferable to process an image file including the captured image content (eg, the image content generated by capturing the document content on a memory) into the account opening electronic document.

Alternatively, the electronic document generating unit 730 generates document content including at least one of merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 715, and the document content. Watermarking at least one or more of the merchant information and the account attribute setting information included in the account opening request information to the captured image content (for example, the image content generated by capturing the document content on a memory) After the watermarking method is included, it is preferable to process the image file including the image content including the watermarking as the account opening electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 730 includes at least one merchant information and account attribute setting information included in the account opening application information received through the information receiving unit 715. A document file (eg, a Portable Document Format (PDF) file, or EDI) that generates content and includes image content (eg, image content generated by capturing the document content on a memory) that captures the document content. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document generating unit 730 generates document content including at least one of merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 715, and the document content. Watermarking at least one or more of the merchant information and the account attribute setting information included in the account opening request information in the captured image content (for example, the image content generated by capturing the document content on a memory). A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) Generating a word processor file including at least one or a web document file including MHT), and It is preferable to process as a left-open electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 730 includes at least one merchant information and account attribute setting information included in the account opening application information received through the information receiving unit 715. A document file (eg, PDF (Portable) is generated that generates document content, and includes image content (eg, image content generated by capturing the document content on a memory) and the account opening request information. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to.

Alternatively, the electronic document generating unit 730 generates document content including at least one of merchant information and account attribute setting information included in the account opening request information received through the information receiving unit 715, and the document content. Watermarking at least one of the merchant information and the account attribute setting information included in the account opening request information to the captured image content (for example, the image content generated by capturing the document content on a memory) A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) is generated that generates an image content including a watermarking method and includes the watermarking image content and the account opening request information. , Or a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT ) By generating, it is preferable to process in the account opening the electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 730 corresponds to the technical features of generating an account opening electronic document in the form of an image file or document file, and corresponds to the account opening electronic document Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 735 is characterized in that for transmitting and storing the account opening electronic document generated by the electronic document generation unit 730 to the electronic document storage associated with the account opening system.

As shown in FIG. 7, the electronic document repository includes an electronic document server 745 and an electronic document D / B 765 linked to the financial institution server 700 on the account opening system through a communication means. When provided in, the electronic document transmission unit 735 is characterized in that for transmitting the account opening electronic document generated by the electronic document generation unit 730 to the electronic document server 745 via the communication means. do.

Herein, when the electronic document server 745 and the electronic document D / B 765 are provided outside the account opening system, the electronic document server 745 and the electronic document D / B 765 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the account opening system, the electronic document transmission unit 735 is the account generated by the electronic document generation unit 730. The opening electronic document can be stored in the electronic document D / B 765 corresponding to the electronic document storage on the DBMS provided in the account opening system, and the present invention is not limited thereto.

According to the method of the present invention, the electronic document transmission unit 735 is electronic document related information for generating electronic document management information in the electronic document server 745 (for example, the merchant information or the account opening electronic document). Financial institution information, or electronic document file format information, or the account opening request information, etc.) may be transmitted to the electronic document storage, and the present invention is not limited thereto.

Referring to FIG. 7, when the account opening application information received through the information receiving unit 715 is verified through the validity checking unit 725, the financial institution server 700 opens the account in which the validity is verified. And an account establishment unit 740 for opening a cash withdrawal merchant account including the account attribute setting information based on the affiliate store information and the account attribute setting information included in the application information.

When the validity of the account opening application information is confirmed by the validity confirming unit 725, the account opening unit 740 connects the customer ledger including affiliate store information included in the account opening application information in connection with the financial system. After generating (or confirming the customer ledger that is already matched with the merchant information), after generating the account ledger information including the account attribute included in the account opening application information, the account ledger associated with the customer ledger By storing the account ledger information in, it is characterized in that for opening the cash withdrawal merchant account corresponding to the account opening application information.

Referring to FIG. 7, an electronic document server 745 that receives an account opening electronic document from the financial institution server 700 provided on the account opening system and stores and manages it in the electronic document D / B 765 communicates. Electronic document receiving unit 750 for receiving the account opening electronic document from the financial institution server 700 and the electronic document for storing and managing the received account opening electronic document in the electronic document D / B (765) And an information generating unit 755 for generating management information, and an electronic document storage unit 760 for storing the electronic document management information and the account opening electronic document in an electronic document D / B 765. It is characterized by.

The electronic document receiving unit 750 may receive an account opening electronic document in the form of an image file or a document file from the financial institution server 700 through the communication means.

According to an embodiment of the present invention, the account opening electronic document received by the electronic document receiving unit 750 through the communication means is based on the account opening request information received by the financial institution server 700 from the terminal device 770. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including at least one affiliated store information and account attribute setting information. Or a web document file including the MHT).

Alternatively, the account opening electronic document received by the electronic document receiving unit 750 through the communication means may include merchant information and account attributes included in the account opening request information received by the financial institution server 700 from the terminal device 770. After the document content including at least one setting information includes at least one or more information from the merchant information included in the account opening application information and the account attribute setting information by a watermarking method, the document including the watermarking. Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) It is preferable to comprise).

Alternatively, the account opening electronic document received by the electronic document receiving unit 750 through the communication means may include merchant information and account attributes included in the account opening request information received by the financial institution server 700 from the terminal device 770. The image file may include an image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one setting information.

Alternatively, the account opening electronic document received by the electronic document receiving unit 750 through the communication means may include merchant information and account attributes included in the account opening request information received by the financial institution server 700 from the terminal device 770. Merchant information and account attribute setting information included in the account opening request information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one setting information. After including at least one of the information in a watermarking (Watermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the account opening electronic document received by the electronic document receiving unit 750 through the communication means is account opening application information received by the financial institution server 700 from the terminal device 770. Document file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of merchant information and account attribute setting information included in the document file (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the account opening electronic document received by the electronic document receiving unit 750 through the communication means may include merchant information and account attributes included in the account opening request information received by the financial institution server 700 from the terminal device 770. Merchant information and account attribute setting information included in the account opening request information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one setting information. Generating image content including at least one of the at least one information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the image content including the watermarking). Interchange) file, or a word processor file including at least one of HWP / DOC, or the like, or MHT. It is preferred which comprises a web, such as a document file).

According to another embodiment of the present invention, the account opening electronic document received by the electronic document receiving unit 750 through the communication means is an account opening request received by the financial institution server 700 from the terminal device 770. Image content (e.g., image content generated by capturing the document content on a memory) and the account opening request information, which capture document content including at least one of merchant information and account attribute setting information included in the information. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

Alternatively, the account opening electronic document received by the electronic document receiving unit 750 through the communication means may include merchant information and account attributes included in the account opening request information received by the financial institution server 700 from the terminal device 770. Merchant information and account attribute setting information included in the account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one setting information. A document file (for example, a PDF (Portable Document Format) file) generating image content including at least one or more of the information by a watermarking method, and including the watermarking image content and the account opening request information; Word Pro including at least one, or an Electronic Data Interchange (EDI) file, or HWP / DOC. It comprises a document file, or web page file, and so on) containing the MHT is preferred.

The information generating unit 755 is an electronic document unique number (or unique information) to be assigned to the account opening electronic document received through the electronic document receiving unit 750 and the account opening electronics through the electronic document receiving unit 750. And generating electronic document management information including electronic document storage date and time information including a date and a time at which the document was received (or a date and time at which the account opening electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 755 refers to the financial institution server 700 that transmits the account opening electronic document received through the electronic document receiving unit 750 to open the account opening electronic document. It is preferable to identify the financial institution that has been transmitted and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the financial institution server 700 through the electronic document receiving unit 750, the information generator 755 is related to the received electronic document. It is preferable to generate electronic document management information further including information (eg, the merchant information, financial institution information for transmitting the account opening electronic document, or electronic document file format information, or the account opening application information, etc.). .

The electronic document storage unit 760 associates the account opening electronic document received through the electronic document receiving unit 750 with electronic document management information generated through the information generating unit 755 to process the electronic document D / B ( 765).

According to the exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 765 by the electronic document storage unit 760 is received by the financial institution server 700 from the terminal device 770. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including at least one of merchant information and account attribute setting information included in an account opening application information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B 765 by the electronic document storage unit 760 is included in the account opening request information received by the financial institution server 700 from the terminal device 770. After the watermarking method includes at least one or more of the merchant information and the account attribute setting information included in the account opening application information in the document content including at least one of the registered merchant information and the account attribute setting information. Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.).

Alternatively, the account opening electronic document stored in the electronic document D / B 765 by the electronic document storage unit 760 is included in the account opening request information received by the financial institution server 700 from the terminal device 770. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of the registered merchant information and account attribute setting information. desirable.

Alternatively, the account opening electronic document stored in the electronic document D / B 765 by the electronic document storage unit 760 is included in the account opening request information received by the financial institution server 700 from the terminal device 770. Merchants included in the account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one merchant information and account attribute setting information. After at least one of the information and the account attribute setting information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 765 by the electronic document storage unit 760 is the financial institution server 700 from the terminal device 770. Image content captured (e.g., image content generated by capturing the document content on a memory) including document content including at least one of merchant information and account attribute setting information included in the received account opening request information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

Alternatively, the account opening electronic document stored in the electronic document D / B 765 by the electronic document storage unit 760 is included in the account opening request information received by the financial institution server 700 from the terminal device 770. Merchants included in the account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one merchant information and account attribute setting information. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one of information and account attribute setting information in a watermarking manner, and including the image content including the watermarking; Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or the like, or including an MHT. It is preferably made of, including the web document file).

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 765 by the electronic document storage unit 760 is the financial institution server 700 by the terminal device 770. Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of merchant information and account attribute setting information included in the account opening application information received from the service information; A document file including the account opening request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). Web document files).

Alternatively, the account opening electronic document stored in the electronic document D / B 765 by the electronic document storage unit 760 is included in the account opening request information received by the financial institution server 700 from the terminal device 770. Merchants included in the account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one merchant information and account attribute setting information. A document file including image information including at least one of information and account attribute setting information by a watermarking method, and including the watermarking image content and the account opening request information (eg, PDF). (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, including at least one or more And a document file or a web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 765 by the electronic document storage unit 760 in association with the account opening electronic document is stored in the account opening electronic document. Preferably, the assigned electronic document unique number (or unique information) and the electronic document storage date and time information are included.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 765 by the electronic document storage unit 760 in association with the account opening electronic document is the account opening electronic document. It is preferable that the financial institution server 700, which has been transmitted, further comprises information on the financial institution that has transmitted the account opening electronic document confirmed.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the financial institution server 700, the electronic document storage unit 760 processes the electronic document D in association with the consultation document before opening the account. The electronic document management information stored in the / B 765 may include the received electronic document related information (for example, the merchant information, the financial institution information transmitting the account opening electronic document, or the electronic document file format information, or the Account opening application information).

More specifically, FIG. 8 corresponds to the cash withdrawal merchant account opened through the account opening system shown in FIG. 7 in the ledger D / B 800 provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention having an account ledger, a person having ordinary knowledge in the art to which the present invention pertains refers to the configuration of a ledger corresponding to the merchant account for cash with reference to FIG. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 8 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 800 provided in the DBMS on the financial system is a customer ledger, and at least one account ledger associated with the customer ledger ( For example, a reception ledger, a loan ledger, etc.) and at least one information associated with the account ledger are illustrated. If a person having ordinary knowledge in the technical field to which the present invention belongs, the DBMS on the financial system is provided. The ledger D / B 800 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) or at least one for maintaining the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the above additional information is included, and the specific technical matters therefor will be understood. Omit for convenience.

The customer ledger is a ledger including customer information included in the account opening application information, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, an affiliated store customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, account number, president, business type, legal representative , Initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

In more detail, FIGS. 9A and 9B show a terminal device 770 on the account opening system shown in FIG. 7 as a client terminal, and the financial institution server 700 includes a web server function to which a client terminal can be connected through a communication network. In one case, when the merchant customer provides the account opening application information including at least one merchant information and account attribute setting information through the client terminal to open a merchant account for cash withdrawal, the merchant establishment in the account opening system An embodiment of the present invention relates to a method of opening the cash withdrawal merchant account based on the account opening application information including at least one information and account attribute setting information, if the person of ordinary skill in the art to which the present invention belongs By referring to and / or modifying FIGS. 9A and 9B, the client terminal may be connected with each other. It is possible to infer various implementation methods for providing the account opening application information to the financial institution server 700, but the present invention includes all the implementation methods inferred, and limited to the implementation methods shown in Figures 9a and 9b. Not.

For example, although the method shown in FIGS. 9A and 9B includes a process of generating an electronic document corresponding to the account opening request information and storing the electronic document in an electronic document storage, the above process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

9A and 9B illustrate that the client terminal receives a user interface for inputting (or selecting) the account opening request information through a web page provided by the financial institution server 700. However, when the program is provided in the client terminal, the user interface may not be provided from the financial institution server 700, thereby the present invention is not limited.

Hereinafter, in FIGS. 9A and 9B, the client terminal illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the financial institution server 700 illustrated in FIG. 7 is referred to as a “server” for convenience. The merchant information and account attribute setting information transmitted to the financial institution server 700 are referred to as "account opening application information" for convenience.

9A and 9B, the client terminal illustrated in FIG. 7 is a communication network (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based ( Or HSDPA-based) mobile communication network, IEEE 802.16x-based portable Internet, or IEEE 802.11x-based wireless LAN, etc.) to connect to a communication channel and request a web page including the user interface (900). Correspondingly, the server generates (or selects) a web page including a user interface for inputting (or selecting) account opening request information including at least one of the affiliate store information and the account property setting information and transmitting the same to the server. 905), the web page including the user interface generated (or extracted) through the communication network; And it transmits the output 910.

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the account opening application information registration procedure, and the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) account opening application information including at least one or more merchant information and account attribute setting information through a user interface included in the web page (◎ 915).

If the terminal is input (or selected) account opening application information including the merchant information and account attribute setting information through the user interface (◎ 920), the terminal is input (or selected) through the communication channel Merchant information and account attribute setting information is transmitted to the server (925).

According to an embodiment of the present invention, the terminal is password or security card information for confirming the validity of the account opening application information in the server to the account opening application information including at least one of the merchant information and account attribute setting information. Or it may further include at least one or more OTP code generated through the One Time Password (OTP) generator to transmit to the server through the communication network.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) including account opening application information including at least one of the merchant information and account attribute setting information. , Or an electronic envelope-based encryption method, or a key exchange-based encryption method), or by attaching an electronic signature to the account opening request information and transmitting it to the server through the communication network. The IC chip includes at least one encryption key corresponding to the encryption method, or an authentication certificate including at least one encryption key, or when the authentication certificate is provided on an IC chip (or IC card). (Or IC card) is equipped with a card reader to confirm the certificate It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) including account opening application information including at least one of the merchant information and account attribute setting information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the encrypted data to the server through the communication network. For this purpose, the terminal includes at least one encryption key corresponding to the encryption method. Or, if the official certificate containing at least one or more encryption keys, or if the certificate is provided on the IC chip (or IC card), verify the certificate provided on the IC chip (or IC card) It is preferable that a card reader is provided.

Thereafter, the server receives and reads the affiliate store information and the account attribute setting information through the communication channel to check the validity of the account opening application information (930).

According to an embodiment of the present invention, the account opening request information may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). Is encrypted, the server may include the at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange-based decryption scheme) to authenticate the validity of the received account opening application information.

Alternatively, when the electronic signature is attached to the account opening application information, the server may verify the validity of the received account opening application information by checking the electronic signature attached to the account opening application information.

When the account opening application information received through the information receiving unit 715 further includes a password for checking the validity of the account opening application information, the server opens the account opening application information. It is preferable to authenticate the validity of the received account opening application information by comparing and authenticating a password included in correspondence with a password provided corresponding to the customer on the DBMS.

Alternatively, when the account opening application information received through the information receiving unit 715 further includes security card information for checking the validity of the account opening application information, the server is included in the account opening application information. It is preferable to authenticate the validity of the received account opening application information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the account opening application information received through the information receiving unit 715 further includes an OTP code for checking the validity of the account opening application information, the server is included in the account opening application information and received. It is preferable to authenticate the validity of the received account opening application information by comparing and authenticating the generated OTP code and the OTP code generated based on the OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the validity confirmation of the account opening request information includes at least one or more ledger information matching the account opening request information in the ledger D / B 800 on the financial system associated with the account opening system. It is preferable to include checking whether it is registered.

For example, checking the validity of the account opening application information, the merchant information (membership unique information, member information, etc.) contained in the account opening application information ledger D / B (800) on the financial system associated with the account opening system (800) It is desirable to include a check that matches the customer ledger stored in).

If the validity of the account opening request information is not authenticated (935), the server generates a web page including the account opening error information and transmits it to the terminal (940), and does not perform the account opening procedure.

On the other hand, if the validity of the account opening application information is authenticated (935), the server generates document content including at least one merchant information and account attribute setting information including the account opening application information (945), In operation 950, an account opening electronic document including document content is generated.

According to an embodiment of the present invention, the server generates document content including at least one of merchant information and account attribute setting information included in the received account opening request information, and a document file including the document content ( For example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to treat with.

Alternatively, the server generates document content including at least one merchant information and account attribute setting information included in the received account establishment request information, and the merchant information and account included in the account establishment request information in the document content. After including at least one of the attribute setting information in a watermarking (Watermarking) method, a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file containing the document content including the watermarking) File, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including at least one of merchant information and account attribute setting information included in the received account opening request information, and captures the image content (eg, the document). It is preferable to process an image file including image content generated by capturing content on a memory as the account opening electronic document.

Alternatively, the server generates document content including at least one of merchant information and account attribute setting information included in the received account opening request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one or more of merchant information and account attribute setting information included in the account opening request information in a watermarking manner, and then including the watermarking image. It is preferable to process an image file containing contents into the account opening electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of merchant information and account attribute setting information included in the received account opening request information, and captures the document content. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing an image content (e.g., image content generated by capturing the document content on a memory) By generating at least one word processor file, or a web document file including the MHT), it is preferable to process the account opening electronic document.

Alternatively, the server generates document content including at least one of merchant information and account attribute setting information included in the received account opening request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one or more of merchant information and account attribute setting information included in the account opening request information in a watermarking manner, A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. By creating a web document file). It is.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of merchant information and account attribute setting information included in the received account opening request information, and captures the document content. ) A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content (eg, image content generated by capturing the document content on a memory) and the account opening request information. , Or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including at least one of merchant information and account attribute setting information included in the received account opening request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one or more of merchant information and account attribute setting information included in the account opening request information in a watermarking manner, A word processor including at least one image content including marking and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the account opening request information. File, or a web document file including MHT) It is desirable to process each other.

Thereafter, the server stores the generated account opening electronic document in an electronic document storage (955).

As shown in FIG. 7, when the electronic document storage is provided externally including an electronic document server 745 and an electronic document D / B 765 linked through a communication means with a server on the account opening system. The server preferably transmits the generated account opening electronic document to the electronic document server 745 through the communication means and stores the electronic document server 745 in the electronic document D / B 765.

Alternatively, when the electronic document storage is provided on a DBMS provided in the account opening system, the server may convert the generated account opening electronic document to an electronic document storage on the DBMS provided in the account opening system. It is possible to store in the D / B 765, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the account opening electronic document in the electronic document storage is performed by linking the generated account opening electronic document and electronic document management information to the electronic document D / B shown in FIG. It is preferable to include storing in 765.

Here, the electronic document management information is preferably made of the electronic document unique number (or unique information) assigned to the account opening electronic document and the electronic document storage date and time information.

If the account opening electronic document is stored in the electronic document storage (960), the server generates account ledger information corresponding to the account opening application information for opening the cash withdrawal merchant account (965), the financial After opening the cash withdrawal merchant account including the account ledger information in connection with the system (975), the account opening history information is generated (or extracted) and transmitted to the terminal (980).

10A, 10B, and 10C are described in more detail when the account opening system shown in FIG. 7 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, on the account opening system shown in FIG. 7). In the case where the financial institution server 700 is an internet banking server, the client terminal accesses the internet banking server and performs a customer authentication procedure through a TCP / IP-based network (eg, the Internet). When the terminal transmits the account opening application information to the internet banking server to open the cash withdrawal merchant account, the Internet banking server based on the account opening application information including at least one of the merchant information and account attribute setting information. As to the implementation method for opening the merchant account for cash withdrawal, the present invention Those skilled in the art can infer various implementation methods for providing the account opening application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 10a, 10b, and 10c. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 10A, 10B and 10C.

That is, the browser program is connected to the Internet banking server through a browser program (for example, Microsoft Internet Explorer, or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 10A, 10B, and 10C. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the account opening application information registration between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs, The internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 10a and 10b and 10c is referred to and / or modified to establish a connection between the client terminal and the internet banking server based on an internet banking program installed in the client terminal. Open account Although an implementation method of connecting an internet banking-based financial transaction channel for registration of application information may be inferred, the present invention includes a provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking-based financial transaction channel connection method shown in Figures 10a, 10b and 10c, In another banking system such as a telebanking system or a wireless banking system or a TV banking system, an implementation method of linking a non-face-to-face channel-based financial transaction channel for registering account opening application information may be inferred. Or non-face-to-face channel based financial transactions including all types of non-face-to-face banking systems or wireless banking systems or TV banking systems proposed in the future, and the technical configuration of the present invention is illustrated in FIGS. It is by no means limited to the case of Internet banking.

In addition, although the embodiment illustrated in FIGS. 9A and 9B includes a process of generating the electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art, thereby. This is not limited.

In the following FIGS. 10A, 10B, and 10C, the client terminal is referred to as a "terminal" for convenience, and an Internet banking server corresponding to the financial institution server 700 is referred to as a "server" for convenience.

10A, 10B, and 10C, when the terminal executes a browser program and accesses the server through the TCP / IP based network (1000a), the server communicates between the terminal and the server through the browser. A channel is connected (1005a), where a communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser program provided in the terminal. Means that the communication session is allocated to receive at least one or more information (or data) input (or selected) based on the user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with an internet banking program, the server transmits and receives at least one or more information (or data) with the internet banking program based on a communication protocol defined in the internet banking program. A communication channel can be allocated.

Thereafter, the server is equipped with a security module for internet banking on the web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or to update the security module. By adding a script for checking whether the terminal is provided to the terminal, it is checked whether the terminal is equipped with a security module for internet banking or whether the security module is to be updated (1010a).

According to another embodiment of the present invention, when the terminal is provided with an internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby linking with the internet banking program (or the internet banking program). Security module, etc.) can be updated.

If the security module is mounted on the terminal or needs to be updated (1015a), the server transmits the latest version of the security module for internet banking to the terminal according to the remote program installation procedure defined in the browser program, or loads it. Update (1020a).

If the terminal does not need to install or update the latest version of the Internet banking security module (1025a), or if the terminal does not need to load or update the Internet banking security module (1015a), the server is mounted on the terminal. By activating the Internet banking security module, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (1030a), where the security channel for Internet banking The electronic signature is attached to the information (or data) required for security among the information (or data) included in the web page to be provided to the terminal from the server, or is provided by encrypting with at least one encryption method (or encryption algorithm). If so, the terminal confirms the digital signature or decrypts the encryption scheme (or encryption algorithm). Means a communication channel for decrypting the information (or data) by a method (or a decryption algorithm), and attaches an electronic signature to information (or data) to be provided to the server for registration of account opening application information. Or encrypting and transmitting at least one encryption method (or encryption algorithm), the server verifies the digital signature, or decrypts the information (or decryption algorithm) with a decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel for decoding data.

According to another exemplary embodiment of the present invention, when the terminal is provided with an internet banking program, the Internet banking-based secure channel is information (or data) to be provided from the server to the terminal according to a communication protocol defined in the internet banking program. If the digital signature is attached to or provided by encrypting with at least one encryption method (or encryption algorithm), the terminal confirms the digital signature or decrypts (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Refers to a communication channel for decrypting the information (or data), and attaches an electronic signature or at least one encryption to information (or data) to be provided to the server for registration of account opening application information. Passwords (or encryption algorithms) In this case, the communication channel means that the server confirms the digital signature or decrypts the information (or data) by a decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm).

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1035a).

According to an exemplary embodiment of the present invention, the internet banking customer authentication procedure may be performed by the affiliated customer through the terminal, based on internet banking-based customer authentication data (for example, an ID / PW or a customer number registered by the merchant customer in the internet banking application process). ) Is inputted (or generated) and transmitted to the server, wherein the server comprises authenticating, as the Internet banking customer, the affiliated customer accessed through the terminal based on the customer authentication data. The data is preferably transmitted through the digital signature or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the internet banking customer authentication procedure may be performed by the affiliated customer through the terminal using internet banking-based customer authentication data (for example, an ID / PW or a customer number registered by the merchant customer during the internet banking application process). Etc.) and input (or generate) the data to the authentication server, and authenticate the affiliated customer connected through the terminal with the Internet banking customer based on the customer authentication data in the authentication server, and provide the result to the server. In this case, it is preferable that the customer authentication data includes public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) customer authentication data according to the request, requests an internet banking customer authentication by electronically signing or encrypting the data through the security module and transmitting the data to the server (or authentication server) (1040a). The server (or authentication server) authenticates an affiliated store customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1045a).

If the Internet banking customer authentication fails (1050a), the server blocks the Internet banking secure channel for the terminal (1055a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1050a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (1060a), where the Internet banking based The financial transaction channel refers to a communication channel in which the terminal can transmit and register the account opening application information to the server.

Thereafter, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (1000b), the server correspondingly includes at least one of the affiliate store information and account attribute setting information. Generate (or extract) a web page including a user interface for inputting (or selecting) account opening application information to the server (1005b), and generating (or extracting) the Internet banking-based financial transaction channel; In step 1010b, the web page including the user interface is transmitted to the terminal.

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) account opening application information including at least one of merchant information and account attribute setting information in the terminal, or Password or security card information (e.g., security card information printed on the security card issued to the customer during the Internet banking application process) or OTP (One) to confirm the validity of the Internet banking customer requesting to register the account opening application information. Time Password) (eg, an Internet banking application process (or after an internet banking application) further includes a user interface for inputting a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. desirable.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the account opening application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) account opening application information including at least one of the merchant information and account attribute setting information through the account opening interface (1015b).

If the terminal inputs (or selects) account opening application information including the affiliated store information and account attribute setting information through the user interface (1020b), the terminal inputs (or selects) through the financial transaction channel. The account opening application information is transmitted to the server (1025b).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) including account opening application information including at least one of the merchant information and account attribute setting information. , Or an electronic envelope-based encryption method, or a key exchange-based encryption method), or by attaching an electronic signature to the account opening request information and transmitting it to the server through the communication network. The IC chip includes at least one encryption key corresponding to the encryption method, or an authentication certificate including at least one encryption key, or when the authentication certificate is provided on an IC chip (or IC card). (Or IC card) is equipped with a card reader to confirm the certificate It is preferable to be.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) including account opening application information including at least one of the merchant information and account attribute setting information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the encrypted data to the server through the communication network. For this purpose, the terminal includes at least one encryption key corresponding to the encryption method. Or, if an official certificate including at least one encryption key is provided, or if the official certificate is provided on an IC chip (or an IC card), check the official certificate provided on the IC chip (or an IC card). It is preferable that a card reader is provided.

Thereafter, the server receives and reads the account opening application information through the financial transaction channel to check the validity of the account opening application information (1030b).

According to an embodiment of the present invention, the account opening request information may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). Is encrypted, the server may include the at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange based decryption scheme), so as to authenticate the validity of the received account opening application information.

Alternatively, when the account opening application information received through the information receiving unit 715 further includes security card information for checking the validity of the account opening application information, the server is included in the account opening application information. By comparing and authenticating the received security card information with the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received account opening application information.

If the validity of the account opening request information is not authenticated (1035b), the server generates a web page including the account opening error information and transmits it to the terminal (1040b), and does not perform the account opening procedure.

On the other hand, if the validity of the account opening application information is authenticated (1035b), the server generates document content including at least one merchant information and account attribute setting information including the account opening application information (1045b), An account opening electronic document including the document content is generated (1050c).

Alternatively, the server generates document content including at least one of merchant information and account attribute setting information included in the received account opening request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one or more of merchant information and account attribute setting information included in the account opening request information in a watermarking manner, A word processor including at least one image content including marking and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the account opening request information. File, or a web document file including MHT) It is preferable to process the document.

Thereafter, the server stores the generated account opening electronic document in an electronic document storage (1055c).

Alternatively, when the electronic document storage is provided on a DBMS provided in the account opening system, the server may include the generated electronic document opening electronic document corresponding to the electronic document storage on the DBMS provided in the account opening system. It is possible to store in document D / B 765, whereby the present invention is not limited.

If the account opening electronic document is stored in the electronic document storage (1060c), the server generates account ledger information corresponding to the account opening application information for opening the cash withdrawal merchant account (1065c), the financial After opening the cash withdrawal merchant account including the account ledger information in association with the system (1070c), the account opening history information is generated (or extracted) and transmitted to the terminal (1075c).

In more detail, FIG. 11 illustrates a cash withdrawal affiliated merchant, or a branch (or a sales branch) of the cash withdrawal affiliated affiliate (hereinafter, referred to as a “branch” for convenience), or the cash withdrawal affiliated franchise franchise (hereinafter referred to as a “franchise for convenience”. When requesting the establishment of a virtual account for cash withdrawal through the face-to-face virtual account opening interface, etc., merchants for cash withdrawal opened in the name of a cash withdrawal affiliated merchant in the virtual account opening system for cash withdrawal according to the present invention. The present invention relates to a system for opening a virtual account for cash withdrawal using an account as a parent account. Specifically, the cash withdrawal affiliated store (or branch or franchise) visits a financial institution window for opening a virtual account for cash withdrawal. After completing the account opening application form and submitting it to the counter staff, the counter staff will open the counter terminal. When the virtual account application information corresponding to the virtual account opening application is provided, the virtual account opening system opens the virtual account for cash withdrawal to the branch (or franchise) in the virtual account opening system for cash withdrawal according to the present invention. It is about the implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer various implementation methods for the configuration of a system for opening a virtual account for cash withdrawal. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 11 illustrates the opening of the virtual account for cash withdrawal, but the present invention is not limited thereto. When the virtual account is already opened, the virtual account is referred to as a virtual account for cash withdrawal. May be registered, and the present invention is not limited thereto.

Hereinafter, the virtual account for cash withdrawal based on the virtual account application information provided from the cash withdrawal affiliate store (or branch, or franchise) through the virtual account opening interface on the cash withdrawal virtual account opening system shown in FIG. A component corresponding to at least one or more means and / or functional configurations of opening a virtual account for cash withdrawal in the name of a branch (or franchise) corresponding to an establishment target is referred to as a "financial company server 1100" for convenience.

Referring to this figure 11 according to the embodiment of the present invention, the cash withdrawal virtual account opening system, characterized in that comprises a teller terminal used by the teller provided with at least one financial institution, the teller terminal is A communication channel is connected to a financial institution server 1100 provided on the virtual account opening system for cash withdrawal through a financial network.

According to an exemplary embodiment of the present invention, the cash withdrawal affiliated store (or branch, or franchise) visits the financial institution to open the virtual account for cash withdrawal through a window provided at the financial institution (or a cashier). Through the virtual account opening application (for example, a document having a form for filling in at least one information item for opening a virtual account for cash withdrawal) and / or the cashier Visit the cash withdrawal affiliated merchant (or branch or franchise) to make a virtual account opening application for opening the virtual account for cash withdrawal using the cash withdrawal affiliated merchant (or branch or franchise); When the completed application for opening a virtual account is submitted to the counter clerk, the counter clerk is presented through the counter terminal. A financial company server provided on the virtual account opening system for cash withdrawal through the financial network by inputting (or selecting) information written in an application for opening a virtual account; 1100).

In this case, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the financial company server 1100 connected to the teller terminal is on a financial system in which the virtual account for cash withdrawal is opened. It is preferable to include a ledger server provided, wherein the financial network connecting the teller terminal and the financial company server 1100 comprises a branch network connecting the communication channel between the teller terminal and the financial company server 1100. desirable.

In the above cash withdrawal virtual account opening system, a virtual account opening application prepared by the cash withdrawal affiliated store (or branch or franchise), a teller terminal used by the teller and the teller terminal and the financial company server ( The financial network connecting 1100 performs a function of a virtual account opening interface for registering the virtual account application information for the cash withdrawal affiliated store (or branch, or franchise) to open the virtual account for cash withdrawal.

A financial institution that opens a virtual account for cash withdrawal to a branch (or franchise) at the request of the cash withdrawal affiliated merchant (or branch or franchise) may have at least one financial transaction (eg, credit) for at least one financial transaction customer. , Receiving, foreign exchange, financial investment, etc.) is characterized by having a financial system for providing services.

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 financial network (for example, the branch network), and through the window terminal Provide a face-to-face financial transaction service for at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening the virtual account for cash withdrawal through opening and operating the virtual account for cash withdrawal. It is desirable to leave room.

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

In addition, the financial system is characterized in that associated with the Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, IEEE 802.11x-based wireless LAN, or IEEE 802.16x A personal computer (PC) or laptop equipped with at least one client terminal (eg, the wired Internet access and browsing function) connected to a portable Internet, etc., the laptop equipped with the WLAN / portable Internet access and browsing function Or a non-face-to-face financial transaction service to at least one financial transaction customer through a mobile terminal, etc., wherein the financial transaction service is provided for opening the virtual account for cash withdrawal through opening and operating the virtual account for cash withdrawal. It is desirable to include financial transaction services.

In addition, the financial system is characterized in that associated with a wireless banking server, a wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable Internet, or DataTAC through the wireless banking server) At least one wireless terminal (eg, a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal or a PDA (Personal Digital) equipped with a connection and browsing function connected to the mobile communication network A non-face-to-face financial transaction service is provided to at least one financial transaction customer through an assistant or a smart phone or telematics. The financial transaction service opens and operates a virtual account for cash withdrawal. Through the financial transaction service for opening the virtual account for cash withdrawal through It is good.

In addition, the financial system is characterized in that associated with the IC chip-based wireless banking server, the wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x) through the IC chip-based wireless banking server An IC chip-based non-face-to-face approach to 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 a portable mobile Internet or a DataTAC / Mobitex-based wireless data communication network. Providing a financial transaction service, the financial transaction service preferably comprises a financial transaction service for opening the virtual account for cash withdrawal through the opening and operation of the virtual account for cash withdrawal.

In addition, the financial system is characterized in that associated with a telebanking server, at least one wired telephone terminal (for example, Public Switched Telephone Network (PSTN)) connected to a wired voice telephone network (PSTN) through the telebanking server ( For example, at least one through at least one wireless call terminal (e.g., PCS or GSM terminal or smartphone) connected to a wireless voice call network (e.g., code division multiple access (CDMA) 繡鳧 mobile communication network). Provides a non-face-to-face financial transaction service to the above financial transaction customers, wherein the financial transaction service includes a financial transaction service for opening the virtual account for cash withdrawal through opening and operating the virtual account for cash withdrawal. It is preferable.

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

In addition, the financial system is characterized in that associated with the TV banking server, at least one or more digital TV (eg, two-way digital TV, satellite DMB terminal, terrestrial DMB terminal) connected to the return channel (Return Channel) through the TV banking server Etc.) provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service is a financial transaction service for opening the virtual account for cash withdrawal through opening and operating the virtual account for cash withdrawal. It is desirable to achieve this, including.

Referring to FIG. 11, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system The interface module corresponding to the middleware platform provided and the information required to perform each function in the components of the financial system (eg, ledger information, customer information, or management information) are stored and managed. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases.

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. Not only are they familiar with at least one ledger additional information corresponding to the information, but each ledger information is stored in a relational manner, or the ledger information and at least one ledger additional information are stored in a relational manner. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The financial institution server 1100 provided on the virtual account opening system for cash withdrawal according to the present invention is a generic term for the components of the virtual account opening system for cash withdrawal connected to the teller terminal and the financial network, and includes at least one or more. 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 the server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the financial company server 1100 may include an interface unit 1105 which provides a virtual account opening interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a financial network, the interface unit 1105 connects the window terminal and a communication channel based on a protocol stack defined in the financial network. In addition, 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 a cash withdrawal virtual account opening program provided in the window terminal.

Referring to FIG. 11, when the teller terminal 1100 is connected to the finance company server 1100 through the interface unit 1105, the financial institution server 1100 requests a virtual account from the teller terminal in conjunction with the interface unit 1105. An interface providing unit 1110 for generating (or extracting) a user interface for inputting (or selecting) information and transmitting the information to the window terminal, and interworking with the interface unit 1105 in the window terminal. An information receiving unit 1115 for receiving virtual account application information to be input (or selected) and transmitted through the virtual account application ledger, and a virtual account ledger corresponding to a virtual account for cash withdrawal to be opened to the customer based on the received virtual account application information. Information generating unit 1120 for generating information and the cash withdrawal value linked to the virtual account for cash withdrawal in the ledger D / B on the financial system And an information storage unit 1125 for storing the generated virtual account ledger information in association with the account ledger of a financial account corresponding to the point account is characterized in that formed.

The interface providing unit 1110 inputs (or selects) the virtual account application information in response to a functional configuration provided in the window terminal when the window terminal is connected to the financial institution server 1100 through the interface unit 1105. Generate a user interface that can be transmitted to the financial institution server 1100 through the financial network, or extract it from a database (not shown), and generate (or extract) in conjunction with the interface unit 1105. A user interface is provided to the window terminal through the financial network.

Thereafter, the counter terminal inputs (or selects) the virtual account application information based on the user interface, and transmits the input (or selected) virtual account application information to the financial institution server 1100 through the financial network. do.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a financial network, the interface providing unit 1110 generates a user interface that can be provided by a virtual account opening program for cash withdrawal provided in the teller terminal. It is preferable to provide (or extract) the user interface generated (or extracted) through the interface unit 1105 to the counter terminal.

The information receiving unit 1115 inputs (or selects) the virtual account application information through the user interface at the window terminal and transmits the information via the financial network. The virtual receiver application information is interlocked with the interface unit 1105. And receiving the received virtual account application information to the information generating unit 1120.

According to an embodiment of the present invention, the virtual account application information includes the cash withdrawal affiliated store information (or branch information, or franchise information) requesting the branch (or franchise) to open the virtual account for cash withdrawal, and the cash withdrawal. Preferably, the information includes at least one branch information (or franchise information) corresponding to the holder of the virtual account and cash withdrawal merchant account information corresponding to the mother account associated with the virtual account.

According to the embodiment of the present invention, the information receiving unit 1115 preferably further includes a function of checking the validity of the received virtual account application information.

In this case, the validity of the virtual account opening includes checking whether a financial account corresponding to the cash withdrawal merchant account information included in the virtual account application information is opened as a real account in the ledger D / B on the financial system. It is preferable to make.

The information generation unit 1120 may provide virtual account ledger information to be provided in the virtual account for cash withdrawal opened under the branch (or franchise) name based on the virtual account application information received through the information receiving unit 1115. 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 It is preferred that the branch (or franchise) comprises at least one ledger information to be provided to process at least one or more financial transactions requested.

Those of ordinary skill in the art, at least one that should be included in the account ledger (or virtual account should be equipped to handle at least one or more financial transactions requested by the branch (or franchise)). Since you will be familiar with the structure of the ledger information, a detailed description thereof will be omitted.

When the virtual account ledger information to be included in the cash withdrawal account is generated by the information generation unit 1120, the information storage unit 1125 is for the cash withdrawal provided in the ledger D / B provided on the financial system. And generating a virtual account ledger associated with an account ledger corresponding to a merchant account, and storing the generated virtual account ledger information in the virtual account ledger.

In more detail, FIG. 12 illustrates a cash withdrawal merchant account provided in the ledger D / B 1200 on the financial system for opening the virtual account for cash withdrawal in the virtual account opening system for cash withdrawal shown in FIG. As for the virtual account ledger configuration that is processed in association with the corresponding account ledger, those skilled in the art to which the present invention pertains, a virtual for opening a virtual account for cash withdrawal by referring to and / or modified in Figure 12 Various implementation methods for the account ledger may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 12, a virtual account ledger corresponding to a cash withdrawal virtual account opened in the name of the branch (or franchise) for opening a cash withdrawal virtual account may include an account ledger corresponding to the cash withdrawal merchant account. And the ledger D / B 1200 on the financial system, wherein the account ledger corresponding to the cash withdrawal merchant account is linked with the customer ledger corresponding to the cash withdrawal affiliated merchant. It is done.

In this drawing 12 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the cash withdrawal affiliated merchant, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President , Sector, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

In addition, in this figure 12, the account ledger corresponding to the merchant account for cash withdrawal is relationally associated with the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest rate now, time extension, time extension amount, ARS setting, last deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, interest account , Account ledger information including at least one or more of the consolidation, the final payment interest, the final payment transaction number, individual interest rate reference and the date of final interest calculation, etc. ), Periodical reception information including at least one or more of a period (days), period extension, expiration date, and target amount, or an account number corresponding to the account ledger, amount of trust, face value, pension date, and number of shares. Trust reception information that includes at least one or the account number corresponding to the ledger, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), complex transaction, It includes transaction history information including at least one of a date of origin, 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. 12, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the cash withdrawal merchant account, wherein the virtual account ledger information is associated with the parent account information associated with the virtual account, and At least one to be included in the account ledger provided in the ledger D / B 1200 provided on the financial system (or the virtual account to be equipped to process at least one or more financial transactions requested by the branch (or franchise)) It is preferable that the above ledger information is included.

According to an 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 virtual account number, a point number, a currency, an opening date, a virtual account state, and a virtual account. Account type, virtual account interest rate, virtual account password, virtual account deposit, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, no bank account It includes at least one ledger information, such as the number of transactions, interest rate account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference, and the final interest calculation date, wherein the virtual account deposit is the cash withdrawal The amount corresponding to the virtual account balance, and the actual balance of the virtual account for cash withdrawal is deposited in the cash withdrawal merchant account. To which is preferred.

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

13 is a view showing a process for opening a virtual account for cash withdrawal according to an embodiment of the present invention.

In more detail, in FIG. 13, in the virtual account opening system for cash withdrawal illustrated in FIG. 11, a customer passes through a virtual account opening interface (eg, a virtual account opening application form, a window terminal, and a financial network) to the financial company server 1100. When the virtual account application information is transmitted to the financial institution server 1100, the financial institution server 1100 is a process of opening a virtual account for cash withdrawal based on the virtual account application information, which is usually in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods of opening the cash withdrawal virtual account for opening a cash withdrawal virtual account by referring to and / or modifying the drawing 13, but the present invention is inferred from the above. It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the window terminal shown in FIG. 11 is referred to as a "terminal" for convenience, and the financial institution server 1100 is referred to as a "server" for convenience.

Referring to FIG. 13, a cash withdrawal affiliated store (or branch, or franchise) that wants to open a cash withdrawal virtual account at the branch (or franchise) to open a virtual account for cash withdrawal prepares a virtual account opening application form. When the created virtual account opening application is submitted, the terminal provides the virtual account application information included in the virtual account opening application to the server through the virtual account opening interface (1300).

Here, the virtual account opening interface preferably comprises a virtual account opening application form created by the customer, a window terminal used by the financial institution employee, and a financial network connecting the window terminal and the server.

When the virtual account application information is received through the virtual account opening interface, the server reads the received virtual account application information to check whether the virtual account for cash withdrawal can be opened at the branch (or franchise). (1305).

Here, the virtual account opening validity check is to check whether a financial account corresponding to the cash withdrawal merchant account information included in the virtual account application information is opened as a real account in the ledger D / B (1200) on the financial system It is preferable to include what is included.

If the validity of opening the virtual account for cash withdrawal to the customer is not authenticated through the virtual account application information (1310), the server opens the virtual account for cash withdrawal to the customer through the virtual account opening interface. Provide the error information (1315) and stop opening the virtual account for cash withdrawal to the customer.

On the other hand, if the validity to open the virtual account for cash withdrawal to the customer is authenticated through the virtual account application information (1310), the server cash to open to the branch (or franchise) based on the virtual account application information In operation 1320, virtual account ledger information corresponding to the branch (or franchise) name corresponding to the withdrawal 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 1200 provided on the financial system (or the virtual account is the point (or It is preferred to include at least one ledger information) that should be provided to process at least one or more financial transactions requested by the franchise.

Thereafter, the server is connected to a cash withdrawal merchant account to be associated with a cash withdrawal virtual account to be opened at the branch (or franchise) among at least one or more account ledgers provided on the ledger D / B 1200 on the financial system. Confirm the corresponding ledger (1325).

If the account ledger corresponding to the cash withdrawal merchant account to be associated with the cash withdrawal virtual account to be opened to the branch (or franchise) is identified (1330), the server is on the ledger D / B 1200 on the financial system The virtual account ledger of the branch (or franchise) name which is processed in association with the account ledger corresponding to the cash withdrawal merchant account provided at (1335), and the ledger D / B (1200) on the financial system The generated virtual account ledger information is stored in the virtual account ledger generated by being linked with the account ledger corresponding to the merchant account for cash withdrawal (1340).

More specifically, FIG. 14 shows a cash withdrawal affiliated store, or a branch (or a sales branch) of the cash withdrawal affiliated affiliate (hereinafter, referred to as a “branch” for convenience), or the cash withdrawal affiliated franchise franchise (hereinafter referred to as a “franchise for convenience”. When requesting to open a virtual account for cash withdrawal through a virtual account opening interface including at least one non-face-to-face financial transaction channel, etc., the name of the cash withdrawal affiliated merchant in the system for opening a virtual account for cash withdrawal according to the present invention. The present invention relates to a system for opening a virtual account for cash withdrawal using a cashier affiliate account opened as a parent account, wherein the cash withdrawal affiliated merchant (or branch or franchise) corresponds to a non-face-to-face financial transaction channel. Through the terminal device 1430, using the virtual account opening interface according to the present invention If the account information is provided, the present invention relates to a method of opening a virtual account for cash withdrawal of the branch (or franchise) name based on the virtual account application information in the virtual account opening system for cash withdrawal according to the present invention. .

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to infer various implementation methods for the configuration of a system for opening a virtual account for cash withdrawal. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 14 illustrates the opening of the virtual account for cash withdrawal. However, the present invention is not limited thereto. When the virtual account is already opened, the virtual account is referred to as a virtual account for cash withdrawal. May be registered, and the present invention is not limited thereto.

Hereinafter, the virtual account for cash withdrawal based on the virtual account application information provided from the cash withdrawal affiliate store (or branch, or franchise) through the virtual account opening interface on the cash withdrawal virtual account opening system shown in FIG. A component corresponding to at least one or more means and / or functional configurations of opening a virtual account for cash withdrawal to a branch (or franchise) corresponding to an establishment target is referred to as a "financial company server 1400" for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, the cash withdrawal virtual account opening system may include cash withdrawal when the cash withdrawal virtual account opening system supports a non-face-to-face cash withdrawal virtual account opening. The affiliated affiliate store (or branch, or franchise) is characterized in that it comprises a terminal device (1430) for inputting (or selecting) the virtual account application information to the financial institution server 1400, the terminal device (1430) The communication channel is connected to the financial institution server 1400 provided on the virtual account opening system for cash withdrawal through a communication network.

According to one embodiment of the present invention, when the cash withdrawal virtual account opening system supports a non-face-to-face cash withdrawal virtual account opening, the cash withdrawal affiliate store (or branch, or franchise) is connected to a wired communication network Access the financial institution server 1400 through at least one client terminal of a wired terminal or a wireless terminal connected to a wireless communication network, and open the virtual account for cash withdrawal through at least one user interface provided by the financial institution server 1400. When the user inputs (or selects) virtual account application information for the client terminal, it is preferable to transmit the information to the financial institution server 1400 provided on the virtual account opening system for cash withdrawal through a communication network.

Here, the wired terminal connected to the wired communication network is a generic name of all terminal devices 1430 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and may be a desktop computer connected to the TCP / IP based communication network or At least one 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 It is preferable to make.

The wireless terminal connected to the wireless communication network may include all terminal devices 1430 connected to a code division multiple access (CDMA) based mobile communication network, all terminal devices 1430 connected to an IEEE 802.16x based mobile Internet, or Motorola Corporation. A generic term for all terminal devices 1430 connected to a DataTAC or Erricson Mobitex-based wireless data communication network, and is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network. Or a personal digital cellular terminal (PDC) or a personal handyphone system (PHS) terminal or a personal digital assistant (PDA) or a smart phone or a telematics, or the IEEE 802.16x based A portable Internet terminal connected to the portable Internet, or the DataTAC / Mobitex based wireless data communication network. And the like connected wireless data communication terminal preferably comprising at least one.

The client terminal may output at least one user interface provided by the financial institution server 1400, input (or select) at least one information through the user interface, and transmit the same to the financial institution server 1400. It is preferable that a function configuration (eg, a browser program and a communication function, or a communication program and a communication function for communicating with the financial institution server 1400, etc.) is provided.

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

In the above cash withdrawal virtual account opening system, a client terminal including at least one wired terminal or a wireless terminal used by the cash withdrawal affiliate store (or branch, or franchise), the client terminal and the financial company server ( The at least one wired or wireless communication network connecting 1400 is a function of a virtual account opening interface for the cash withdrawal affiliate store (or branch or franchise) to register virtual account application information for opening the virtual account for cash withdrawal. Perform

According to another exemplary embodiment of the present invention, when the cash withdrawal virtual account opening system supports a non-face-to-face cash withdrawal virtual account opening, the terminal device 1430 may be connected to a financial network (for example, the client terminal). , A financial automatic machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the financial common network, or a public switched network. It further includes a call terminal (not shown) connected to a wired telephone network such as a telephone network (PSTN) or a voice over IP (VoIP) network, or a call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. ), Or may further include a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. The present invention is not limited by the.

In the case of supporting the establishment of a non-face-to-face virtual account for cash withdrawal as described above, when the terminal device 1430 is the financial automated device (not shown), the financial automated device (not shown) and the financial automation are provided. A financial network that connects a device (not shown) and the financial institution server 1400 may include a virtual account for registering the virtual account application information for the cash withdrawal affiliated store (or branch or franchise) to open the virtual account for cash withdrawal. If the terminal device 1430 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) are connected to the financial company server 1400. The wired telephone network or the wireless telephone network may include the virtual account application information for the cash withdrawal affiliated store (or branch office or franchise) to open the virtual account for cash withdrawal. A terminal (or server) (not shown) that performs a function of a virtual account opening interface for locking or is provided in an institution affiliated with the financial institution that is the terminal device 1430 (not shown). The network connecting the terminal (or the server) (not shown) and the financial institution server 1400 may be configured by the cash withdrawal affiliated store (or branch, or franchise) to open the virtual account for cash withdrawal. Functions as a virtual account opening interface for registering application information.

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 financial network (for example, the branch network), and through the window terminal Provide a face-to-face financial transaction service for at least one financial transaction customer, the financial transaction service includes a financial transaction service for opening the virtual account for cash withdrawal through opening and operating the virtual account for cash withdrawal; It is desirable to achieve.

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

In addition, the financial system is characterized in that associated with the Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, IEEE 802.11x-based wireless LAN, or IEEE 802.16x A personal computer (PC) or laptop equipped with at least one client terminal (eg, the wired Internet access and browsing function) connected to a portable Internet, etc., and a laptop equipped with the WLAN / portable Internet access and browsing function. Or a non-face-to-face financial transaction service to at least one financial transaction customer through a mobile terminal, etc., wherein the financial transaction service is provided for opening the virtual account for cash withdrawal through opening and operating the virtual account for cash withdrawal. It is desirable to include financial transaction services.

In addition, the financial system is characterized in that associated with a wireless banking server, a wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable Internet, or DataTAC through the wireless banking server) At least one wireless terminal (eg, a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal or a PDA (Personal Digital) equipped with a connection and browsing function connected to the mobile communication network A non-face-to-face financial transaction service is provided to at least one financial transaction customer through an assistant or a smart phone or telematics. The financial transaction service opens and operates a virtual account for cash withdrawal. Through the financial transaction service for opening the virtual account for cash withdrawal through Preferable.

In addition, the financial system is characterized in that associated with the IC chip-based wireless banking server, the wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x) through the IC chip-based wireless banking server IC chip-based non-face-to-face communication to at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a portable mobile Internet or a DataTAC / Mobitex based wireless data communication network. Providing a financial transaction service, the financial transaction service preferably comprises a financial transaction service for opening the virtual account for cash withdrawal through the opening and operation of the virtual account for cash withdrawal.

In addition, the financial system is characterized in that associated with the TV banking server, at least one or more digital TV (eg, two-way digital TV, satellite DMB terminal, terrestrial DMB terminal) connected to the return channel (Return Channel) through the TV banking server Etc.) provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service is a financial transaction service for opening the virtual account for cash withdrawal through opening and operating the virtual account for cash withdrawal. It is preferable to comprise a.

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system The interface module corresponding to the middleware platform provided and the information required to perform each function in the components of the financial system (eg, ledger information, customer information, or management information, etc.) are stored and processed. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases.

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 at least one ledger D / B on a financial system storing at least one ledger, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial transaction customer by the financial institution. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) Is stored in association with and stored as a relation.

The financial institution server 1400 provided on the virtual account opening system for cash withdrawal according to the present invention is a generic term for the components of the virtual account opening system for cash withdrawal connected to the terminal device 1430 through a communication network. It may be implemented by including one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 1400 may include an interface unit 1405 that provides a virtual account opening interface to the terminal device 1430 through the communication network.

According to an embodiment of the present invention, when the terminal device 1430 is a client terminal including a wired terminal or a wireless terminal connected to a wired communication network or a wireless communication network, the interface unit 1405 is connected to the wired communication network or a wireless communication network. Connecting a communication channel with the client terminal based on a defined protocol stack, and providing 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. desirable.

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

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

According to another exemplary embodiment of the present invention, when the terminal device 1430 is a client terminal including a wireless terminal connected to a wireless communication network, the interface unit 1405 is based on the protocol stack defined in the wireless communication network. It is preferable to connect a communication channel with a client terminal and 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.

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

Alternatively, when the client terminal is provided with a virtual account opening program for cash withdrawal provided by the financial institution server 1400, the interface unit 1405 connects a communication channel with the client terminal based on the CDMA protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 14, when the terminal device 1430 is connected to the financial company server 1400 through the interface unit 1405, the financial institution server 1400 may be connected to the interface unit 1405 to connect the terminal device ( An interface providing unit 1410 for generating (or extracting) a user interface for inputting (or selecting) and transmitting virtual account request information to the terminal device 1430, and the interface unit 1405. An information receiving unit 1415 receiving virtual account request information inputted (or selected) from the terminal device 1430 through the user interface in association with the user device, and opened to the customer based on the received virtual account request information; An information generation unit 1420 for generating virtual account ledger information corresponding to a virtual account for cash withdrawal, and an image associated with the current virtual withdrawal account in the ledger D / B on the financial system; And an information storage unit 1425 for storing the generated virtual account ledger information in association with the account ledger of the financial account corresponding to the cash withdrawal merchant account.

When the terminal device 1430 is connected to the financial institution server 1400 through the interface unit 1405, the interface providing unit 1410 requests the virtual account in response to the functional configuration of the terminal device 1430. Create a user interface that can input (or select) information and transmit it to the financial institution server 1400 through the communication network, or extract it from a database (not shown), and create the user interface in conjunction with the interface unit 1405. Alternatively, the extracted user interface may be provided to the terminal device 1430 through the communication network.

Thereafter, the terminal device 1430 inputs (or selects) the virtual account application information based on the user interface, and inputs the input (or selected) virtual account application information to the financial institution server 1400 through the communication network. To send.

According to an embodiment of the present invention, when the terminal device 1430 is a client terminal including a wired terminal or a wireless terminal connected to a wired communication network or a wireless communication network, the interface providing unit 1410 is provided in the client terminal. It is preferable to generate (or extract) a user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the terminal device 1430 is a client terminal including a wireless terminal connected to a wireless communication network, the interface providing unit 1410 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a user interface that can be provided and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

The information receiving unit 1415 receives (or selects) virtual account request information through the user interface from the terminal device 1430 and transmits the information through the communication network. The virtual account request works in conjunction with the interface unit 1405. And receiving the information, and providing the received virtual account application information to the information generating unit 1420.

According to an embodiment of the present invention, the information receiving unit 1415 preferably further includes a function of checking the validity of the received virtual account application information.

The information generating unit 1420 may provide virtual account ledger information to be provided in the virtual account for cash withdrawal opened in the branch (or franchise) name based on the virtual account application information received through the information receiving unit 1415. 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 point) It is preferred to include at least one ledger information (or a franchise) to be provided for processing at least one or more financial transactions requested.

When the virtual account ledger information to be included in the cash withdrawal account is generated by the information generating unit 1420, the information storage unit 1425 is for the cash withdrawal provided in the ledger D / B provided on the financial system. And generating a virtual account ledger associated with an account ledger corresponding to a merchant account, and storing the generated virtual account ledger information in the virtual account ledger.

In more detail, FIG. 15 illustrates a cash withdrawal merchant account provided in the ledger D / B 1500 on the financial system for opening the virtual account for cash withdrawal in the virtual account opening system for cash withdrawal shown in FIG. As for the virtual account ledger configuration that is processed in association with the corresponding account ledger, those skilled in the art to which the present invention pertains, a virtual for opening a virtual account for cash withdrawal by referring to and / or modified in this figure 15 Various implementation methods for the account ledger may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 15, a virtual account ledger corresponding to a cash withdrawal virtual account opened in the name of the branch (or franchise) for opening a cash withdrawal virtual account may include an account ledger corresponding to the cash withdrawal merchant account. It is characterized in that the cooperative process is provided in the ledger D / B 1500 on the financial system, the account ledger corresponding to the cash withdrawal merchant account is processed in connection with the customer ledger corresponding to the cash withdrawal affiliated merchants It is done.

In this drawing 15 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the cash withdrawal affiliated merchant, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President , Sector, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

In addition, the account ledger corresponding to the merchant account for cash withdrawal in Figure 15 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 balance, bank account number, interest rate now, time extension, time extension amount, ARS setting, last deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, interest account , Account ledger information including at least one or more of the consolidation, the final payment interest, the final payment transaction number, individual interest rate reference and the date of final interest calculation, etc. ), Periodical reception information including at least one or more of a period (days), period extension, expiration date, and target amount, or an account number corresponding to the account ledger, amount of trust, face value, pension date, and number of shares. Trust reception information including at least one, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment corresponding to the ledger Transaction information including at least one bank account line, summary, CIF, and the like.

Referring to FIG. 15, the virtual account ledger may be processed in a relational manner with an account ledger corresponding to the cash withdrawal merchant account. The virtual account ledger information may include mother account information associated with the virtual account, and At least one that is to be included in the account ledger provided in the ledger D / B 1500 provided on the financial system (or the virtual account must be equipped to process at least one or more financial transactions requested by the branch (or franchise)) It is preferable that the above ledger information is included.

According to an 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 virtual account number, a point number, a currency, an opening date, a virtual account state, and a virtual account. Account type, virtual account rate, virtual account password, virtual account deposit, bank account balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid transaction It includes at least one ledger information, such as the number, interest interest system account, whether or not the consolidation, the final payment interest, the final payment transaction number, individual interest rate reference and the final interest calculation date, wherein the virtual account deposit is for the cash withdrawal As the amount corresponding to the virtual account balance, the actual balance of the virtual account for cash withdrawal is deposited in the cash withdrawal merchant account. To which is preferred.

16 is a view showing a process for opening a virtual account for cash withdrawal according to another embodiment of the present invention.

In more detail, in FIG. 16, in the cash withdrawal virtual account opening system shown in FIG. 14, a customer opens a virtual account opening interface (for example, a client terminal and a communication network including at least one wired or wireless terminal). When the virtual account application information is transmitted to the financial institution server 1400 to the financial institution server 1400, the financial institution server 1400 is a process for opening a virtual account for cash withdrawal based on the virtual account application information. Those skilled in the art will be able to infer various implementation methods of opening the virtual cash withdrawal account for the purpose of opening the virtual cash withdrawal account by referring to and / or modifying the drawing 16. The present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 16, the terminal device 1430 shown in FIG. 14 is referred to as a "terminal" for convenience, and the financial institution server 1400 is referred to as a "server" for convenience.

Referring to FIG. 16, a cash withdrawal affiliated store (or branch, or franchise) that wants to open a cash withdrawal virtual account at the branch (or franchise) to open the virtual account for cash withdrawal uses the terminal to connect to the communication network. Access to the server through the server, and requests the server to create a virtual account opening interface for opening the virtual account for cash withdrawal (1600), the server corresponding to the virtual account opening interface for opening the virtual account for cash withdrawal Extract (or generate) to provide to the terminal (1605).

Thereafter, the terminal inputs (or selects) virtual account application information through the virtual account opening interface and then provides the virtual account application information to the server through the virtual account opening interface (1610).

The virtual account opening interface may include a terminal used by the cash withdrawal affiliated store (or a branch or a franchise), a communication network connecting the terminal and the server, and inputting virtual account application information from the terminal at the server. It is preferable to include a user interface for transmitting to.

According to an embodiment of the present invention, the virtual account application information includes the cash withdrawal affiliated store information (or branch information, or franchise information) requesting the branch (or franchise) to open the virtual account for cash withdrawal, and the cash withdrawal. Point information (or franchise information) corresponding to the name holder of the virtual account and the at least one cash withdrawal merchant account information corresponding to the parent account associated with the virtual account is preferably made.

When the virtual account application information is received through the virtual account opening interface, the server reads the received virtual account application information and verifies whether the customer can open the virtual account for cash withdrawal (1615). .

Here, the validity of the virtual account opening is confirmed by checking whether a financial account corresponding to the cash withdrawal merchant account information included in the virtual account application information is opened as a real account in the ledger D / B 1500 on the financial system. It is preferable to include what is included.

If the validity to open the virtual account for cash withdrawal to the customer is not authenticated through the virtual account application information (1620), the server opens the virtual account for cash withdrawal to the customer through the virtual account opening interface. Provide the error information (1625), and stop opening the virtual account for cash withdrawal to the customer.

On the other hand, if the validity to open the virtual account for cash withdrawal to the customer through the virtual account application information is authenticated (1620), the server cash to open to the branch (or franchise) based on the virtual account application information In operation 1630, the virtual account ledger information of the point (or franchise) name corresponding to the withdrawal 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 1500 provided on the financial system (or the virtual account is the point (or It is preferred to include at least one ledger information) that should be provided to process at least one or more financial transactions requested by the franchise.

Thereafter, the server is connected to a cash withdrawal merchant account to be associated with a cash withdrawal virtual account to be opened at the branch (or franchise) among at least one or more account ledgers provided on the ledger D / B 1500 on the financial system. The corresponding account ledger is identified (1635).

If the account ledger corresponding to the cash withdrawal merchant account to be associated with the cash withdrawal virtual account to be opened to the branch (or franchise) is identified (1640), the server is located on the ledger D / B 1500 of the financial system Create a virtual account ledger of the branch (or franchise) name that is associated with the account ledger corresponding to the merchant account for cash withdrawal (1645), and the ledger D / B (1500) on the financial system The generated virtual account ledger information is stored in the virtual account ledger generated by being associated with the account ledger corresponding to the merchant account for cash withdrawal (1650).

17 is a diagram showing the configuration of a cash withdrawal transaction system using a customer card according to an embodiment of the present invention.

In more detail, in FIG. 17, a customer opens a customer account (eg, a cash card, a check card, or a debit card) associated with a customer account through an account opening system shown in FIG. 2 or 7. When providing a merchant (or a branch, or a franchise) that has opened a virtual account for cash withdrawal through one merchant or a virtual account opening system shown in FIGS. 11 or 14, the merchant terminal at the merchant (or branch, or franchise) After checking the customer account balance associated with the customer card by sending the customer card information and the cash withdrawal amount information to the financial company server 1700 through the check whether the withdrawal of the cash withdrawal amount, if cash withdrawal is possible, Withdraw the cash withdrawal amount from the customer's account and deposit it into the cash withdrawal merchant account (or virtual account), The cash withdrawal transaction system configuration for processing to pay the cash corresponding to the cash withdrawal amount to the customer, if one of ordinary skill in the art to which the present invention belongs, with reference to and / or modified this figure 17 Various implementation methods for the cash withdrawal transaction system configuration using the customer card may be inferred, but the present invention includes all the implementation methods inferred, and the technical features thereof are only shown in the implementation method shown in FIG. It is not limited.

Referring to FIG. 17, the cash withdrawal transaction system using the customer card may include a merchant who opened a cash withdrawal merchant account through the account opening system shown in FIG. 2 or 7, or as shown in FIG. 11 or FIG. 14. A merchant terminal provided at an affiliate store (or a branch or a franchise) that has opened a virtual account for cash withdrawal through a virtual account opening system, and is connected to the affiliated store terminal through a communication network (or a van (Value Added Network)). When the customer card information and the cash withdrawal amount information are received from the terminal, after confirming the withdrawal of the cash withdrawal amount by checking the customer account balance associated with the customer card, if the cash withdrawal is possible, At least one means (or function) to withdraw cash withdrawal amounts and deposit them into the cash withdrawal merchant account (or virtual account) And a financial company server 1700 corresponding to the customer account, and opened through an account ledger corresponding to a customer account associated with the customer card, or an account opening system shown in FIG. 2 or 7. And a financial system including an account ledger corresponding to a cash withdrawal merchant account or a virtual account ledger corresponding to a cash withdrawal virtual account opened through the virtual account opening system shown in FIGS. 11 or 14. It is done.

The account ledger corresponding to the customer account linked to the customer card, or the account ledger corresponding to the cash withdrawal merchant account opened through the account opening system shown in FIGS. The technical features of managing and operating the virtual account ledger corresponding to the cash withdrawal virtual account opened through the virtual account opening system shown in FIG. 11 or FIG. 14 will be described with reference to FIG. 2 or 7 or 11 or 14. In FIG. 17, a detailed description thereof will be omitted.

When the affiliated store terminal includes the wired terminal (or wireless terminal), the affiliated store terminal receives and outputs a cash withdrawal transaction related interface from a financial company server 1700 and at least one cash through the cash withdrawal transaction related interface. It is preferable to have a browser program for generating a withdrawal transaction-related full text (or transaction data related to a cash withdrawal transaction, hereinafter, the traffic data is referred to as a "full text" for convenience) and transmitting and receiving the data with the financial institution server 1700.

Alternatively, when the affiliated store terminal includes the wired terminal (or wireless terminal), the affiliated store terminal generates at least one cash withdrawal transaction related message from the financial company server 1700 to transmit and receive the full text with the financial company server 1700. It is preferred to have a cash withdrawal transaction program having an interface with cash withdrawal transactions.

When the affiliated store terminal includes the CAT / POS terminal, the affiliated store terminal generates at least one cash withdrawal transaction related message from the financial company server 1700 and transmits and receives the cash withdrawal transaction related interface to the financial company server 1700. It is preferred to have a cash withdrawal transaction program having a.

According to the present invention, the financial company server 1700, the financial company server 1700 is an interface unit for connecting and managing a communication channel for transmitting and receiving the cash withdrawal transaction-related full text with the merchant terminal through a communication network (or van) ( 1705).

When the affiliated store terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network according to an embodiment of the present invention, the interface unit 1705 may be connected to the affiliated store terminal and HTTP (Hyper-Text Transfer Protocol). A communication channel is connected based on a protocol, an ATM-related interface for cash withdrawal transaction in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the affiliated store terminal through the communication channel, and is outputted. It is desirable to connect an encryption / decryption-based secure communication channel for transmitting and receiving the ATM-related text generated through the relevant interface.

Alternatively, when the affiliated store terminal is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the interface unit 1705 transmits and receives a cash withdrawal transaction program and a cash withdrawal transaction-related telegram associated with the affiliated store terminal. It is desirable to connect an encryption / decryption based secure communication channel.

According to another exemplary embodiment of the present invention, when the affiliated store terminal is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 1705 may communicate with the affiliated store terminal WAP (Wireless Application Protocol) or ME. (Mobile Explorer) is connected to the communication channel based on the protocol, through the communication channel to the merchant terminal to transmit and output the WML (Wireless Markup Language), or HTML-related document-type cash withdrawal transaction-related interface, and the merchant terminal It is preferable to connect an encryption / decryption-based secure communication channel for transmitting and receiving the cash withdrawal transaction-related full text generated through the cash withdrawal transaction-related interface from.

Alternatively, when the affiliated store terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1705 communicates with the affiliated store terminal based on a wireless protocol corresponding to the IEEE 802.16x standard. A channel for connecting a channel, transmitting and outputting a cash withdrawal transaction related interface to the affiliated store terminal through the communication channel, and encrypting / transmitting and receiving a cash withdrawal transaction related telegram generated from the merchant terminal with the cash withdrawal transaction related interface; It is preferable to connect a decryption-based secure communication channel, or when the affiliated terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit 1705 is connected to the affiliated store terminal and the IEEE 802.11. Connect the communication channel based on the wireless protocol corresponding to the x standard, An encryption / decryption based secure communication channel for transmitting and outputting a cash withdrawal transaction related interface to the affiliated store terminal through a communication channel, and transmitting and receiving a cash withdrawal transaction related message generated through the cash withdrawal transaction related interface from the affiliated store terminal. It is preferable to connect.

Alternatively, when the affiliated store terminal is a wireless terminal to which a communication channel is connected through the wireless communication network, the interface unit 1705 encrypts / transmits a cash withdrawal transaction program and a cash withdrawal transaction related message provided in the affiliated store terminal. It is desirable to connect a decryption-based secure communication channel.

According to another exemplary embodiment of the present invention, when the affiliated store terminal is a CAT / POS terminal, the interface unit 1705 includes a cash withdrawal transaction program and cash provided in the affiliated store terminal through a van to which the CAT / POS terminal is connected. It is desirable to connect a communication channel for transmitting and receiving the withdrawal transaction-related full text.

When a secure communication channel is connected between the affiliated store terminal and the financial institution server 1700, the interface unit 1705 preferably performs an encryption / decryption function provided in the secure communication channel.

Referring to Figure 17 providing a cash withdrawal transaction according to an embodiment of the present invention, the financial institution server 1700, in conjunction with the interface unit 1705, the customer card information and cash withdrawal amount information from the merchant terminal; A specialized receiving unit 1710 (or receiving means) for receiving a cash withdrawal request message, including; and when receiving the cash withdrawal request message, confirming a customer account balance associated with the customer card information in connection with the financial system; A balance checking unit 1715 (or balance checking means) for comparing the balance with the cash withdrawal amount to check whether the cash withdrawal amount can be withdrawn from the customer account, and cash withdrawal approval information corresponding to the balance checking result ( Or a full text generation unit 1725 (or full text generation means) for generating a cash withdrawal approval message including cash withdrawal error information; and the interface unit 1705. It is characterized in that it comprises a specialized transmission unit 1725 (or transmission means) for transmitting the cash withdrawal approval full text to the affiliated store terminal, the cash withdrawal approval information includes the cash withdrawal approval information, The specialized receiver 1710 may receive a cash withdrawal processing message including at least one of the customer card information, the cash withdrawal amount information, the transaction authentication information, and the merchant information (or the merchant account (or virtual account) information for cash withdrawal). It features.

In addition, the financial institution server 1700, when receiving the cash withdrawal processing professional through the specialized receiving unit 1710, in connection with the financial system on the basis of the transaction authentication information included in the cash withdrawal processing specialization with the customer card and the customer card; A validity authentication unit 1730 (or validity authentication means) for authenticating cash withdrawal validity for authenticating the withdrawal of the cash withdrawal amount from an associated customer account, and the customer in connection with the financial system during the cash withdrawal validity authentication; Withdrawal processing unit 1735 (or withdrawal processing means) for withdrawing the cash withdrawal amount from the customer account associated with the card, and the cash withdrawal amount in connection with the financial system to the merchant account for cash withdrawal (or virtual account). And a deposit processing unit 1740 (or deposit processing means) for depositing the merchant account for cash withdrawal (also When the cash withdrawal amount is deposited into a virtual account), the full text generation unit 1725 generates a full text of a cash withdrawal result including the deposit transaction details and a cash payment command, and the full text transfer part 1725 In connection with the interface unit 1705, the generated cash withdrawal result is characterized in that the transmission to the merchant terminal.

In the cash withdrawal transaction at the request of the customer, the merchant terminal reads the customer card information through the card reader or inputs the customer card information through the key input means, and inputs the cash withdrawal amount through the key input means. A cash withdrawal request message including the customer card information and the cash withdrawal amount information is transmitted; and in response, the expert receiving unit 1710 connects the customer card information and the cash withdrawal amount information with the interface unit 1705. Characterized in that it receives the full cash withdrawal request, including.

When the cash withdrawal request message is received through the specialized receiving unit 1710, the balance checking unit 1715 checks the customer account balance associated with the customer card in connection with the financial system, and the confirmed customer account balance And comparing the cash withdrawal amount included in the cash withdrawal request message, and checking whether the cash withdrawal amount can be withdrawn from the customer account.

If it is possible to withdraw the cash withdrawal amount from the customer account as a result of confirming the customer account balance, the full text generation unit 1725 generates a cash withdrawal approval text including cash withdrawal approval information, The transmission unit 1725 is configured to transmit the cash withdrawal approval full text including the cash withdrawal approval information to the affiliated store terminal in connection with the interface unit 1705.

On the other hand, if it is not possible to withdraw the cash withdrawal amount from the customer account as a result of checking the customer account balance (for example, if the balance is insufficient), the full text generation unit 1725 generates a cash withdrawal approval message including cash withdrawal error information. The specialized transmission unit 1725 may transmit the generated cash withdrawal approval message including the cash withdrawal error information to the affiliated store terminal in connection with the interface unit 1705.

When the cash withdrawal approval message including the cash withdrawal approval information is received, the affiliated store terminal outputs a user interface for inputting transaction authentication information for withdrawing the cash withdrawal amount from a customer account associated with the customer card, When the transaction authentication information is input through a user interface, the affiliated store terminal includes at least one of the customer card information, the cash withdrawal amount information, the transaction authentication information, and the merchant information (or the merchant account (or virtual account) information for cash withdrawal). Generate and send a cash withdrawal processing full text, and in response, the full text receiving unit 1710 receives the customer card information, cash withdrawal amount information, transaction authentication information, and merchant information (or cashier account (or virtual account) information). Receiving a cash withdrawal processing professional that includes at least one or more Gong.

When the cash withdrawal processing text is received through the specialized receiving unit 1710, the validity authentication unit 1730 is connected with the financial system to verify transaction authentication information (eg, a customer card password, an account) included in the cash withdrawal processing text. Password and the like) by comparing the authentication information associated with the customer card (or customer account), the cash withdrawal validity to withdraw the cash withdrawal amount from the customer account associated with the customer card.

When the cash withdrawal validity authentication is performed by the validity authentication unit 1730, the withdrawal processing unit 1735 may withdraw the cash withdrawal amount from the customer account associated with the customer card in connection with the financial system.

According to the method of the present invention, the withdrawal processing unit 1735 withdraws (or withdraws) the withdrawal (or withdraw) of the cash withdrawal amount from the customer account when withdrawing the cash withdrawal amount from the customer account associated with the customer card. It is preferable to withdraw the fee amount further, and the cash withdrawal fee amount preferably comprises at least one of the financial company fee and the merchant fee.

In addition, the withdrawal processing unit 1735 may further withdraw the transfer fee for the account transfer transaction for depositing the amount withdrawn from the customer account associated with the customer card to the cash withdrawal merchant account (or virtual account), Thereby, this invention is not limited.

According to an embodiment of the present invention, when the cash withdrawal processing includes the merchant information, the deposit processing unit 1740 is linked to the financial system merchant account for cash withdrawal (or virtual account) corresponding to the merchant information It is characterized by checking the information.

If the cash withdrawal processing document includes the cash withdrawal merchant account (or virtual account) information or the cash withdrawal merchant account (or virtual account) information corresponding to the merchant information, after the withdrawal processing unit ( When the cash withdrawal amount is withdrawn from the customer account by 1735, the deposit processing unit 1740 deposits the cash withdrawal amount into the cash withdrawal merchant account (or virtual account) in connection with the financial system. It is done.

When the cash withdrawal fee amount is further included in the cash withdrawal amount from the customer account associated with the customer card by the withdrawal processing unit 1735 according to the method of the present invention, the deposit processing unit 1740 is the withdrawal. It is preferable to check the merchant fee amount of the cash withdrawal fee amount, and to deposit the cash withdrawal amount including the merchant fee amount to the merchant account for cash withdrawal (or virtual account).

When the cash withdrawal amount (or cash withdrawal amount and merchant side fee amount) is deposited by the deposit processing unit 1740 into the cash withdrawal merchant account (or virtual account), the full text generation unit 1725 is the deposit transaction. And generating a cash withdrawal result message including a breakdown and a cash payment command, and the specialized transmission unit 1725 transfers the generated cash withdrawal result message to the affiliated store terminal in connection with the interface unit 1705. Characterized in that.

Referring to Figure 17 providing a cash withdrawal transaction according to another embodiment of the present invention, the financial institution server 1700, in conjunction with the interface unit 1705, customer card information and cash withdrawal amount information from the merchant terminal; And a specialized receiver 1710 (or receiving means) for receiving a cash withdrawal request message including at least one transaction authentication information and merchant information (or at least one merchant account (or virtual account) information for cash withdrawal) and the cash withdrawal request message. Upon receipt, check the balance of the customer account associated with the customer card information in connection with the financial system, and check the balance to check whether the cash withdrawal amount can be withdrawn from the customer account by comparing the balance with the cash withdrawal amount. Dept. 1715 (or balance checking means) and, if it is possible to withdraw cash, as a result of the check, A validity authentication unit 1730 (or validity authentication means) for authenticating a cash withdrawal validity for authenticating the withdrawal of the cash withdrawal amount from a customer account associated with the customer card based on the information; A withdrawal processing unit 1735 (or withdrawal processing means) for withdrawing the cash withdrawal amount from a customer account linked with the customer card in association with the financial system; and withdrawing the cash withdrawal amount for the cash withdrawal in connection with the financial system; And a deposit processing unit 1740 (or deposit processing means) for depositing into a merchant account (or virtual account), and when the balance check result is impossible to withdraw cash, full withdrawal result including cash with error information. And generating the cash withdrawal amount into the cash withdrawal merchant account (or virtual account), the deposit transaction A full text generation unit 1725 (or a full text generation means) for generating a cash withdrawal result message including a station and a cash payment command, and a full text for transmitting the full cash withdrawal result message to the affiliated store terminal in connection with the interface unit 1705. And a transmitting unit 1725 (or transmitting means).

In the cash withdrawal transaction at the request of the customer, the merchant terminal reads the customer card information through the card reader or inputs the customer card information through the key input means, and the cash withdrawal amount information and the transaction authentication through the key input means. After inputting the information, the cash withdrawal request message including at least one of the customer card information, cash withdrawal amount information, transaction authentication information, and merchant information (or cash merchant account (or virtual account) information) is transmitted. In response, the specialized receiver 1710 may receive a cash withdrawal request message including the customer card information and the cash withdrawal amount information in association with the interface unit 1705.

If the result of checking the customer account balance is not able to withdraw the cash withdrawal amount from the customer account (for example, if the balance is insufficient), the full text generation unit 1725 generates a full cash withdrawal result information including cash withdrawal error information. The specialized transmission unit 1725 may transmit the cash withdrawal result message including the cash withdrawal error information to the affiliated store terminal in connection with the interface unit 1705.

On the other hand, if it is possible to withdraw the cash withdrawal amount from the customer account as a result of checking the customer account balance, the validity authentication unit 1730 is connected with the financial system transaction authentication information (eg, customer) By comparing the card information, account password, etc.) and the authentication information associated with the customer card (or customer account), thereby validating the cash withdrawal validity to withdraw the cash withdrawal amount from the customer account associated with the customer card. do.

According to another exemplary embodiment of the present invention, the balance checking unit 1715 may check the customer account balance after checking the cash withdrawal validity by the validity authentication unit 1730.

According to the method of the present invention, the withdrawal processing unit 1735 withdraws (or withdraws) the cash withdrawal amount from the customer account when withdrawing the cash withdrawal amount from the customer account associated with the customer card. It is preferable to withdraw the fee amount further, and the cash withdrawal fee amount preferably comprises at least one of the financial company fee and the merchant fee.

According to an embodiment of the present invention, when the cash withdrawal request includes merchant information, the deposit processing unit 1740 is linked with the financial system merchant account for cash withdrawal corresponding to the merchant information (or virtual account) It is characterized by checking the information.

If the cash withdrawal result includes the cash withdrawal merchant account (or virtual account) information or the cash withdrawal merchant account (or virtual account) information corresponding to the merchant information after the withdrawal processing unit ( When the cash withdrawal amount is withdrawn from the customer account by 1735, the deposit processing unit 1740 deposits the cash withdrawal amount into the cash withdrawal merchant account (or virtual account) in connection with the financial system. It is done.

When the cash withdrawal amount (or cash withdrawal amount and merchant side fee amount) is deposited by the deposit processing unit 1740 into the cash withdrawal merchant account (or virtual account), the full text generation unit 1725 is the deposit transaction. Characterized in that the cash withdrawal results including the details and cash payment instructions to generate a full text, the specialized transmission unit 1725 is associated with the interface unit 1705 transmits the generated cash withdrawal results full text to the merchant terminal. Characterized in that.

According to another embodiment of the present invention, various embodiments of the present invention may be implemented by combining the above-described embodiments or changing some order of the embodiments, and the present invention may combine the above methods, or It is characterized by including all the implementation methods including the form which changed a part order of each implementation method.

18 is a diagram illustrating a functional configuration of an affiliated store terminal 1800 that provides a cash withdrawal transaction according to an embodiment of the present invention.

More specifically, FIG. 18 is a merchant terminal providing cash withdrawal transactions using a customer card associated with a customer account when the affiliated store terminal 1800 on the cash withdrawal transaction system shown in FIG. 17 includes a CAT / POS terminal. 1800, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 18 for a cash withdrawal transaction using a customer card linked to a customer account. It is possible to infer the functional configuration of the various merchant terminal 1800, but the technical features of the present invention is not limited by this figure 18, it is to be understood that it includes all the inferred implementation method.

Referring to FIG. 18, an affiliated store terminal 1800 providing a cash withdrawal transaction using a customer card associated with a customer account is basically a control unit 1805, a memory unit 1850, a card reader unit 1810, and a key input unit ( 1820, a screen output unit 1815, a communication processing unit 1830, a security application module 1835, a print output unit 1840, and a power supply unit 1825 for supplying power to the affiliated store terminal 1800. And at least one terminal function unit (not shown) according to the intention of the person skilled in the art.

The controller 1805 controls the overall operation of the affiliated store terminal 1800 in function configuration, manages the flow of information or data between each component, and at least one provided in the affiliated store terminal 1800 for a cash withdrawal transaction function. At least one processor and an execution memory (for example, a register or a random access memory) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware. )) And a bus for inputting and outputting predetermined data, and loading the execution memory from a predetermined recording medium into the execution memory in order to perform a function specific to the affiliated store terminal 1800 by software. A predetermined program routine (Routine) or program data that is computed by the processor (hence, The controller 1805 may view a predetermined program recorded on a recording medium provided in the affiliated store terminal 1800 for a cash withdrawal transaction function, or a component that can be processed in software from a functional configuration provided in the affiliated store terminal 1800. It is characterized in that it is made to be provided in).

According to an exemplary embodiment of the present invention, the controller 1805 may include components (for example, the memory unit 1850, the card reader unit 1810, the key input unit 1820, and the screen) provided in the affiliated store terminal 1800. The affiliated store terminal 1800 by interworking an output unit 1815, a communication processing unit 1830, a security application module 1835, a print output unit 1840, or a terminal function unit (not illustrated) according to the intention of a person skilled in the art. In addition to controlling and managing the provision of the electronic payment service defined in the above, by interlocking the components provided in the affiliated store terminal 1800 for cash withdrawal transaction using the customer card associated with the customer account according to the present invention It is preferable to execute a program recorded in a recording medium provided in the affiliated store terminal 1800 for cash withdrawal transaction using a customer card linked to the customer account.

The memory unit 1850 may input / output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the affiliated store terminal 1800 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine required for the control unit 1805 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is done.

According to the exemplary embodiment of the present invention, the memory unit 1850 stores payment affiliated store information for card payment and cash withdrawal affiliated store information for the cash withdrawal transaction. Or store at least one cash withdrawal merchant account information opened through the account opening system shown in FIG. 7 or cash withdrawal virtual account information opened through the virtual account opening system shown in FIGS. 11 or 14. It is desirable to.

A customer receiving a cash withdrawal transaction using a customer card associated with a customer account according to the present invention through the affiliated store terminal 1800 may be an MS (Magnetic Stripe) card or an ISO / IEC 7816 based on an ISO / IEC 7810 standard. Possesses (or owns) a contact IC card (or wireless IC chip) based on a standard, or a card including at least one contactless IC card (or wireless IC chip) based on an ISO / IEC 14443 standard. The card reader 1810 may provide an interface for reading at least one or more information or data included in the card.

According to the exemplary embodiment of the present invention, the card reader unit 1810 may provide an MS reader unit that provides an interface between the MS card and the affiliated store terminal 1800, or an interface between the contact IC card and the affiliated store terminal 1800. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the merchant terminal 1800.

The MS reader unit is a card reader unit 1810 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the affiliated store terminal 1800 by using the loaded.

The contact IC reader unit is a card reader unit 1810 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the merchant terminal 1800.

The contactless IC reader unit is a card reader unit 1810 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card by using capacitive coupling or inductive coupling. It comprises an antenna, the power supply to the IC chip of the IC card through the antenna, through the half-duplex (Half Duplex) type transaction using the APDU, the predetermined information or data from the IC chip merchant terminal ( 1800).

According to an embodiment of the present invention, the card reader unit 1810 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 1810 for the electronic payment service defined in the affiliated store terminal 1800. A payment method information corresponding to a payment method including at least one credit card, a check card, a debit card, a cash card, and a financial account), and also a customer card associated with a customer account according to the present invention. It is preferable to read predetermined customer card information from at least one or more cards for the used cash withdrawal transaction.

The key input unit 1820 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or a signal) inputted from the terminal, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or an operation mode of the affiliated store terminal 1800 controlled by the controller 1805. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1805. The controller 1805 is characterized in that A predetermined function defined in accordance with the key event or obtaining predetermined key data corresponding to the key event in the current input mode or operation mode of the affiliated store terminal 1800. Characterized by obtaining a command to execute. The key input unit 1820 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the affiliated store terminal 1800.

The key input device interworking with the key input unit 1820 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a character key (for example, an English character key or a Korean character key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an exemplary embodiment of the present invention, the key input unit 1820 may include key data (eg, a payment amount) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the affiliated store terminal 1800. It is preferable to perform the function of the key input means for receiving the input), and also the customer card associated with the customer account from the key input device for the cash withdrawal transaction using the customer card associated with the customer account according to the present invention. It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing a cash withdrawal transaction.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 1820 is a customer card associated with the customer account according to the present invention in the initial mode or the normal payment mode of the operation mode of the merchant terminal 1800 It is desirable to have a key button for switching to the cash withdrawal mode for the cash withdrawal transaction using.

In addition, the key input apparatus corresponding to the key input unit 1820 may be provided with a customer PIN pad (eg, a key input apparatus for inputting transaction authentication information).

The screen output unit 1815 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 1805 while the affiliated store terminal 1800 performs a predetermined function (for example, an electronic payment processing function). At least one or more information or data which is predefined or defined in real time to be output to a predetermined output device including a) through a predefined interface screen, wherein the screen output unit 1815 and the screen Output devices interoperate with each other to perform the function of screen output means provided in the affiliated store terminal 1800.

The predefined information or data to be output from the affiliated store terminal 1800 to the screen output device may be provided by key data input through the key input unit 1820 or a component included in the affiliated store terminal 1800. At least one of information (or data) stored or generated, information (or data) transmitted / received through the communication processor 1830, or information (or data) corresponding to a predetermined operation result performed by the affiliated store terminal 1800. This includes the above.

According to a preferred embodiment of the present invention, the screen output unit 1815 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the merchant terminal 1800 It is preferable to perform the function of the output means, and also for the cash withdrawal transaction using the customer card associated with the customer account according to the present invention providing a cash withdrawal transaction using the customer card associated with the customer account to the screen output device It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the.

The communication processing unit 1830 includes a network communication unit connecting a communication channel with a financial company server 1880 through a predetermined communication network in a process in which the affiliate store terminal 1800 performs a predetermined function (for example, a card payment processing function). And a cable communication unit, or at least one, for connecting a communication session with a predetermined terminal (or device) located in close proximity to the affiliated store terminal 1800 through a predetermined cable communication port according to the intention of a person skilled in the art. And a short range wireless communication unit configured to connect a predetermined short distance communication terminal (or device) device and a predetermined communication session with the affiliated store terminal 1800 through the short range wireless communication unit. It comprises a communication protocol or driver for connecting a channel (or communication session).

The network communication unit includes a wired communication network including at least one or more xDSL-based wired communication network, public switched telephone network (PSTN), intelligent network and Ethernet, or code division multiple access (CDMA) / WCDMA. (Wide-CDMA) based mobile communication network, HSDPA (High-Speed Downlink Packet Access) based wireless communication network, IEEE 802.16x based mobile communication network including at least one or more through a wireless communication network, characterized in that connecting the communication channel with the Bansa server And comprises a modem or a network interface card (NIC) for connecting the affiliated store terminal 1800 to the communication network in hardware, and connecting the affiliated store terminal 1800 to the communication network in software. Or a communication protocol or driver for the purpose of doing so.

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

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB It includes a predetermined short range wireless communication module for a short range wireless communication, and comprises a communication protocol or driver for the short range wireless communication in software.

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal having a predetermined short range wireless communication function.

The secure application module (SAM) 1835 (Secure Application Module (SAM)) is the confidentiality (Authentication) or authentication (Authentication) or integrity (required in the process of the merchant terminal 1800 to perform the electronic payment or electronic payment using the card ( Safety device for performing security requirements including Integrity) or nonrepudiation in a secure and reliable structure within the merchant terminal 1800 without using an authentication server (or a financial institution server 1880). As an example, the merchant terminal 1800 encrypts or decrypts a predetermined message (information or data) that is processed in the process of performing a predetermined security request function (for example, an electronic payment or electronic payment function), and forgery of the message. Or tamper proof), or store critical information important in the process of performing the security request function. It is characterized by performing.

In general, the security application module 1835 preferably consists of a predetermined security application module 1835 inserter and a security application module 1835 chip, the security application module 1835 chip is a chip containing at least 8-bit CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

In addition, the security application module 1835 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the merchant terminal 1800 to perform a predetermined security request function. ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove command) It is preferable to comprise a).

The print output unit 1840 is configured to perform predetermined functions (for example, an electronic payment processing function) of the affiliated store terminal 1800 or predetermined information or data generated as a result (for example, payment processing result information or data). To a predetermined printing device 1845 (for example, a receipt printer), and a printing protocol for printing the print information or data through the predetermined printing device 1845 according to a predefined printing form. And a driver.

Referring to FIG. 18 according to an embodiment of the present invention, the merchant terminal 1800 operates the merchant terminal 1800 to provide a cash withdrawal transaction using a customer card associated with a customer account according to the present invention. A mode check unit 1855 for checking whether a mode is a cash withdrawal mode corresponding to a cash withdrawal transaction using a customer card associated with the customer account; and the operation mode of the affiliated store terminal 1800 is the cash withdrawal mode. In this case, the card reader unit 1810 reads and inputs customer card information from the customer card, or the information input unit 1860 for inputting cash withdrawal amount information through the key input unit 1820, and the information input unit ( A full text generation unit 1865 for generating a cash withdraw request request message including at least one of the customer card information and the cash withdrawal information input through 1860; The professional transmission unit 1870 transmits a withdrawal request message to the financial company server 1880 through the communication processing unit 1830 and the cash withdrawal request message from the financial company server 1880 through the communication processing unit 1830. Receiving a cash withdrawal approval message to be received, and if the cash withdrawal approval information includes cash withdrawal approval information, the user interface to enter the transaction authentication information for the customer card (or customer account) through the screen output unit 1815 Characterized in that it comprises a specialized processing unit (1875) for outputting, and when the transaction authentication information is input through the user interface, the professional generation unit (1865) is the customer card information, cash withdrawal amount information and transaction authentication information and Generating a cash withdrawal processing text that includes at least one piece of merchant information (or cashier's merchant account (or virtual account) information); The specialized transmission unit 1870 transmits the generated cash withdrawal processing telegram to the financial institution server 1880 through the communication processing unit 1830, and the professional processing unit 1775 is the communication processing unit. Deposit transaction details and cash deposited with the cash withdrawal amount (or cash withdrawal amount and merchant side fee amount) from the customer account from the financial institution server 1880 to the merchant account (or virtual account) through 1830. Receiving the full cash withdrawal result including the payment command, characterized in that for outputting the transaction details and the cash payment command included in the received cash withdrawal results full text through the screen output unit 1815.

The mode checking unit 1855 may be configured such that the operation mode of the affiliated store terminal 1800 periodically corresponds to a cash withdrawal transaction using a customer card associated with the customer account (or in response to the cash withdrawal mode switch key event). It is characterized by checking whether the cash withdrawal mode.

If the check result is that the operating mode of the affiliated store terminal 1800 is not the cash withdrawal mode, the affiliated store terminal 1800 performs a conventional electronic payment processing function, while the operating mode of the affiliated store terminal 1800 is the cash. When it is confirmed in the withdrawal mode, the mode confirmation unit 1855 outputs the cash withdrawal mode confirmation result through the screen output unit 1815 and then provides the information input unit 1860.

The information input unit 1860 may process a cash withdrawal transaction using a customer card associated with the customer account from the customer card through the card reader unit 1810 to process a cash withdrawal transaction corresponding to the cash withdrawal mode. Characterized by reading the customer card information of the input, characterized in that the input customer card information is provided to the full text generation unit (1865).

In addition, the information input unit 1860 withdraws cash using a customer card associated with the customer account from a predetermined key input unit through the key input unit 1820 to process a cash withdrawal transaction corresponding to the cash withdrawal mode. Characterized in that the cash withdrawal amount information for the transaction is input, the inputted cash withdrawal information is provided to the full text generation unit (1865).

The full text generation unit 1865 may generate a cash withdraw request request message including at least one of the customer card information and the cash withdrawal amount information input through the information input unit 1860, and the generated cash withdrawal. The request message is provided to the specialized transmission unit 1870.

The specialized transmission unit 1870 transmits the cash withdrawal request telegram generated by the specialized generation unit 1865 to the financial company server 1880 through the communication processing unit 1830, and correspondingly The financial company server 1880 compares the customer account balance associated with the customer card and the cash withdrawal amount through the cash withdrawal request message, and then provides cash withdrawal approval information (or cash withdrawal error information) corresponding to the comparison result. Generate a cash withdrawal approval message that includes and transmits to the merchant terminal 1800.

After the cash withdrawal request telegram is transmitted to the financial institution server 1880 through the specialized transmission unit 1870, the professional processing unit 1775 may transfer the cash from the financial institution server 1880 through the communication processing unit 1830. Periodically (or in response to a full text reception event of the communication processing unit 1830), a cash withdrawal approval text including cash withdrawal approval information (or cash withdrawal error information) corresponding to the withdrawal request message is received.

If a cash withdrawal approval message including cash withdrawal approval information (or cash withdrawal error information) corresponding to the cash withdrawal request message is received through the communication processing unit 1830, the specialized processing unit 1775 receives the cash withdrawal approval. Check whether the cash withdrawal approval information is included in the preamble, and if the check result confirms that the cash withdrawal approval information is included, the transaction authentication information for the customer card (or customer account) is input through the screen output unit 1815. And outputting a user interface.

If the transaction authentication information is input through the user interface, the full text generation unit 1865 stores customer card information, cash withdrawal amount information, transaction authentication information, and merchant information (or merchant account for cash withdrawal (or virtual account) information). Generate a cash withdrawal processing telegram including at least one, and the specialized transmission unit 1870 transmits the generated cash withdrawal processing telegram to the financial company server 1880 through the communication processing unit 1830.

The financial company server 1880 checks the withdrawal validity through the transaction authentication information included in the cash withdrawal processing, and withdraws the cash withdrawal amount (or cash withdrawal amount and various fees) from the customer account, and the cash The cash withdrawal amount (or cash withdrawal amount and merchant side fee amount) is deposited into a withdrawal merchant account (or virtual account), and the cash withdrawal amount (or cash withdrawal amount and merchant side fee amount) withdrawn from the customer account. Generates a full cash withdrawal result including the payment transaction details and cash payment instructions deposited to the merchant account (or virtual account) for cash withdrawal and transmits it to the merchant terminal 1800.

Thereafter, the professional processing unit 1175 may use the cash withdrawal amount (or the cash withdrawal amount and merchant side fee amount) withdrawn from the customer account from the financial institution server 1880 through the communication processing unit 1830. Receiving the full cash withdrawal result including the deposit transaction history and cash payment order deposited into the account (or virtual account), and the deposit transaction history and cash payment command included in the received cash withdrawal result full text on the screen output unit ( It outputs through 1815.

Referring to FIG. 18 according to another exemplary embodiment of the present invention, the affiliated store terminal 1800 may provide a cash withdrawal transaction using a customer card associated with a customer account according to the present invention. A mode check unit 1855 for checking whether the operation mode is a cash withdrawal mode corresponding to a cash withdrawal transaction using a customer card associated with the customer account, and the operation mode of the affiliated store terminal 1800 is the cash withdrawal mode as a result of the confirmation; In this case, the card reader unit 1810 reads and inputs customer card information from the customer card or the information input unit 1860 for inputting cash withdrawal amount information and transaction authentication information through the key input unit 1820. The customer card information, the cash withdrawal amount information, the transaction authentication information, and the merchant information (or the merchant account for cash withdrawal) input through the information input unit 1860 A full text generation unit 1865 for generating a cash withdrawal request message including at least one account information; and a full text for transmitting the generated cash withdrawal request text to the financial company server 1880 through the communication processing unit 1830. Receive a cash withdrawal approval message including cash withdrawal error information from the financial institution server 1880 through the transmission unit 1870 and the communication processing unit 1830, or cash withdrawal amount (or cash withdrawal amount) from the customer account. And the transaction details of depositing the merchant side fee amount to the merchant account for cash withdrawal (or virtual account) and receiving the full cash withdrawal result including the cash payment order, and the details of the deposit transaction included in the full cash withdrawal result. And a cash payment command (or cash withdrawal error information) through the screen output unit 1815.

In addition, the information input unit 1860 withdraws cash using a customer card associated with the customer account from a predetermined key input unit through the key input unit 1820 to process a cash withdrawal transaction corresponding to the cash withdrawal mode. Characterized in that the transaction authentication information for the transaction is input, the input cash withdrawal information is provided to the full text generation unit (1865).

The full text generation unit 1865 may include at least one of the customer card information, the cash withdrawal amount information, the transaction authentication information, and the merchant information (or the merchant account (or virtual account) information for cash withdrawal) input through the information input unit 1860. It is characterized in that for generating a cash withdrawal processing full text including the above, and provides the generated cash withdrawal request full text to the specialized transmission unit (1870).

The specialized transmission unit 1870 transmits the cash withdrawal request telegram generated by the specialized generation unit 1865 to the financial company server 1880 through the communication processing unit 1830, and correspondingly The financial company server 1880 compares the customer account balance associated with the customer card and the cash withdrawal amount through the cash withdrawal request message, and withdraws the cash withdrawal amount from the customer account corresponding to the comparison result. If possible, the financial institution server 1880 checks the withdrawal validity through the transaction authentication information, withdraws the cash withdrawal amount (or cash withdrawal amount and various fees) from the customer account, and the merchant account for cash withdrawal ( Or deposit the cash withdrawal amount (or cash withdrawal amount and merchant side fee amount) into the virtual account, and withdraw the cash from the customer account. The merchant terminal 1800 generates a cash withdrawal result message including a deposit transaction history and a cash payment order in which an amount (or cash withdrawal amount and merchant side fee amount) is deposited into the cash withdrawal merchant account (or virtual account). To send.

After the cash withdrawal request message is transmitted to the financial institution server 1880 through the professional transmission unit 1870, the professional processing unit 1775 may be transferred from the financial company server 1880 through the communication processing unit 1830. Deposit transaction details and cash payment orders (e.g., cash withdrawal amount (or cash withdrawal amount and merchant's fee amount) withdrawn from the customer account) corresponding to the full withdrawal request request to the withdrawal merchant account (or virtual account) It is periodically checked (or in response to a full text reception event of the communication processing unit 1830) that a cash withdrawal result message including any one of the deposit transaction history and the cash payment instruction) or the cash withdrawal error information is received.

If the cash withdrawal result message corresponding to the cash withdrawal request message is received through the communication processor 1830, the expert processing unit 1175 checks whether the cash withdrawal error information is included in the cash withdrawal result message, and confirms As a result, when it is confirmed that the cash withdrawal error information is included, the cash withdrawal error information is output through the screen output unit 1815.

On the other hand, if it is confirmed that the deposit transaction details and cash payment instructions are included in the full-text cash withdrawal result, the specialized processor 1175 outputs the deposit transaction details and cash payment instructions included in the received cash withdrawal result full-text. It outputs through the unit 1815.

According to another embodiment of the present invention, various embodiments of the present invention may be implemented by combining the above-described embodiments, or by changing some orders of the embodiments, and the present invention may combine the above methods, Or it comprises the all implementation methods including the form which changed the order of a part of each implementation method.

In more detail, in FIG. 19, a customer may use a cash withdrawal store (eg, an account opening system shown in FIG. If you provide a merchant who has opened a withdrawal merchant account or a merchant (or branch, or a franchise) who has opened a virtual account for cash withdrawal through the virtual account opening system shown in FIG. 11 or 14, and requests for withdrawal In addition, the merchant (eg, merchant staff) provides the customer card information and the cash withdrawal amount information to the financial institution server 1880 shown in FIG. 17 through the merchant terminal 1800 including the function configuration shown in FIG. 18. In response, the financial institution server 1880 checks whether the cash withdrawal amount can be withdrawn from the customer account associated with the customer card, and confirms the result of the franchise. When provided to the terminal 1800, the merchant terminal 1800 inputs transaction authentication information for withdrawing the cash withdrawal amount from the customer account associated with the customer card and transmits the transaction authentication information to the financial institution server 1880. After the authentication of the transaction authentication information in the server 1880, withdrawal from the customer account and illustrates the process of depositing the cash withdrawal amount to the merchant account (or virtual account) for cash withdrawal of the merchant, the present invention Those skilled in the art will be able to infer various implementation methods for the cash withdrawal transaction process by referring to and / or modifying this drawing 19, but the present invention provides a method for implementing all the inferred implementation methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 19, a customer requests cash withdrawal from a cash withdrawal merchant to withdraw a certain amount of cash from a cash withdrawal merchant, and a customer card (eg, a cash card, a check card, a debit card) associated with a customer account. When presenting (1900), the affiliated store reads (or inputs) the customer card through the affiliated store terminal 1800 including the functional configuration shown in FIG. 18 to obtain the customer card information, and the customer requests After inputting a cash withdrawal amount, a cash withdrawal request message including the customer card information and the withdrawal amount information is generated (1905).

The cash withdrawal request message may further include the affiliate store information and the affiliate store terminal 1800 information in addition to the customer card information and the cash withdrawal amount information, or may be encrypted according to an implementation method, or the electronic signature of the affiliate store side may be attached. However, if one of ordinary skill in the art to which the present invention belongs, it will be able to infer a variety of information configuration basically included in the preamble for the cash withdrawal transaction according to the platform (or communication medium), Description will be omitted for convenience.

Thereafter, the affiliated store terminal 1800 transmits the generated cash withdrawal request telegram to the financial institution server 1880 (1910), and in response, the financial institution server 1880 receives the cash withdrawal request telegram, Check the customer account balance associated with the customer card in connection with a financial system, and withdraw the cash withdrawal amount from the customer account by comparing the checked customer account balance with the cash withdrawal amount included in the cash withdrawal request. See if it can (1915).

If it is possible to withdraw the cash withdrawal amount from the customer account as a result of checking the customer account balance, the financial institution server 1880 generates a cash withdrawal approval message including cash withdrawal approval information (1920), and withdraws the cash withdrawal approval. The complete cash withdrawal approval message including the information is transmitted to the affiliated store terminal 1800 (1925).

On the other hand, if it is not possible to withdraw the cash withdrawal amount from the customer account as a result of checking the customer account balance (for example, if the balance is insufficient), the financial institution server 1880 generates a cash withdrawal approval message including cash withdrawal error information. In operation 1925, the complete cash withdrawal approval message including the cash withdrawal error information is transmitted to the affiliated store terminal 1800.

When receiving the cash withdrawal approval message, the affiliated store terminal 1800 outputs cash withdrawal approval information (or cash withdrawal error information) included in the cash withdrawal approval message, and reads the cash withdrawal approval message with the cash. Check whether the withdrawal approval information is included to check the possibility of cash withdrawal (1930). If it is confirmed that the cash withdrawal is possible, the merchant terminal 1800 obtains the cash withdrawal amount from the customer account associated with the customer card. Output a user interface for inputting transaction authentication information (eg, customer card password, account password, etc.) for withdrawal, processing the transaction authentication information to be input from the customer through the user interface (1935), and verifying the transaction When the information is input, the affiliated store terminal 1800 and the customer card information and cash withdrawal amount information and To create a future professional credentials and withdrawals processed information including merchant (or merchant accounts, cash withdrawals (or virtual account) the information for at least one (1940).

Here, the cash withdrawal processing full text is encrypted according to an implementation method, in addition to the customer card information, cash withdrawal amount information, transaction authentication information, and merchant information (or cashier affiliate account (or virtual account) information), or the merchant side The electronic signature may be attached, but if one of ordinary skill in the art to which the present invention belongs, it is possible to infer a variety of information configuration basically included in the preamble for the cash withdrawal transaction according to the platform (or communication medium). Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the merchant terminal 1800 transmits the cash withdrawal processing telegram to the financial institution server 1880 (1945), and in response thereto, the financial institution server 1880 is connected to the financial system to the cash withdrawal processing telegram. Comparing the transaction authentication information included with the authentication information provided in the customer card (or customer account) to check the cash withdrawal validity to withdraw the cash withdrawal amount from the customer account (1950).

If the cash withdrawal validity is not confirmed, the financial institution server 1880 generates a cash withdrawal result message including cash withdrawal error information and transmits the full withdrawal result to the affiliated store terminal 1800 (1955).

On the other hand, if the cash withdrawal validity is confirmed, the financial institution server 1880 withdraws the amount corresponding to the cash withdrawal amount from the customer account associated with the customer card (1960).

According to an embodiment of the present invention, the financial institution server 1880 withdraws (or withdraws) the cash withdrawal amount from the customer account when withdrawing the cash withdrawal amount from the customer account associated with the customer card. It is preferable to withdraw the fee amount further, and the cash withdrawal fee amount preferably comprises at least one of the financial company fee and the merchant fee.

In addition, the financial company server 1880 may further withdraw the transfer fee for the account transfer transaction for depositing the amount withdrawn from the customer account associated with the customer card to the merchant account (or virtual account) for cash withdrawal, Thereby, this invention is not limited.

According to an embodiment of the present invention, when the cash withdrawal processing includes the merchant information, the deposit processing unit checks the merchant account (or virtual account) information for cash withdrawal corresponding to the merchant information in conjunction with the financial system. Characterized in that.

If the cash withdrawal processing preamble includes the cash withdrawal merchant account (or virtual account) information or the cash withdrawal merchant account (or virtual account) information corresponding to the merchant information, after the withdrawal processing unit When the cash withdrawal amount is withdrawn from the customer account, the financial institution server 1880 deposits the cash withdrawal amount into the cash withdrawal merchant account (or virtual account) in association with the financial system (1965).

When the cash withdrawal amount is further included in the cash withdrawal amount from the customer account associated with the customer card by the withdrawal processing unit according to the method of the present invention, the financial institution server 1880 withdraws the cash. It is preferable to check the affiliated party's fee amount among the fee amount, and to deposit the cash withdrawal amount to the merchant account for cash withdrawal (or virtual account) including the affiliated party fee amount.

Thereafter, the financial institution server 1880 generates a full cash withdrawal result message including the deposit transaction history and a cash payment instruction (1970), and transmits the generated cash withdrawal result full text to the affiliated store terminal 1800 (1975). In response, the merchant pays the cash withdrawal amount to the customer (1980).

In more detail, FIGS. 20A and 20B illustrate that a customer opens a customer card (eg, a cash card, a check card, and a debit card) associated with a customer account in a cash withdrawal store (eg, the account opening system shown in FIG. 2 or 7 above). Through a merchant opening an account for a cash withdrawal account, or a merchant (or a branch, or a franchise) that has opened a virtual account for cash withdrawal through a virtual account opening system shown in FIG. 11 or FIG. If requested, the customer card information and the cash withdrawal amount information from the affiliated store (eg, the affiliated employee) to the financial company server 1880 shown in FIG. 17 through the affiliated store terminal 1800 including the function configuration shown in FIG. And transaction authentication information, transaction authentication information, and merchant information (or cash merchant account (or virtual account) information), and in response thereto, the financial institution server 1880 Check whether the cash withdrawal amount can be withdrawn from the customer account associated with the customer card, and by authenticating the transaction authentication information, withdraw the cash withdrawal amount from the customer account by the merchant account (or virtual account) for cash withdrawal of the affiliated store. As a figure showing a process of depositing money), a person having ordinary knowledge in the technical field to which the present invention belongs, infers various implementation methods for the cash withdrawal transaction process by referring to and / or modifying the drawings 20a and 20b. Although it may be possible, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation methods shown in FIGS. 20A and 20B.

Referring to FIG. 20A, a customer requests cash withdrawal from a cash withdrawal merchant to withdraw a certain amount of cash from a cash withdrawal merchant, and a customer card (eg, a cash card, a check card, a debit card) associated with a customer account. (2000a), the merchant acquires the customer card information by reading (or inputting) the customer card through the merchant terminal 1800 including the function configuration shown in FIG. 18, and the customer requests A cash withdrawal amount is input, and the customer is requested to input transaction authentication information. If the customer inputs the transaction authentication information (2005a), the affiliated store terminal 1800 receives the customer card information and the cash withdrawal amount information. A cash withdrawal request including at least one transaction authentication information, transaction authentication information, and merchant information (or merchant account (or virtual account) information for cash withdrawal); It generates a statement (2010a).

Here, the full cash withdrawal request is encrypted according to an implementation method, in addition to the customer card information, cash withdrawal amount information, transaction authentication information, transaction authentication information, and merchant information (or merchant account (or virtual account) information for cash withdrawal), Alternatively, the affiliated electronic signature may be attached, but if the person having ordinary knowledge in the technical field to which the present invention belongs, various information configurations basically included in the cash withdrawal transaction-related full text depending on the platform (or communication medium) Since it may be inferred, a detailed description thereof will be omitted for convenience.

Thereafter, the affiliated store terminal 1800 transmits the generated cash withdrawal request telegram to the financial institution server 1880 (2015a), and correspondingly, the financial institution server 1880 receives the cash withdrawal request telegram, Check the customer account balance associated with the customer card in connection with the financial system (2020a), and compare the identified customer account balance with the cash withdrawal amount included in the cash withdrawal request message, and the cash withdrawal amount from the customer account. Check if the withdrawal can be made (2025a).

If it is not possible to withdraw the cash withdrawal amount from the customer account (eg, if the balance is insufficient), the financial institution server 1880 generates a cash withdrawal result message including cash withdrawal error information. The merchant terminal 1800 transmits the data to the affiliated terminal 1800.

On the other hand, if it is possible to withdraw the cash withdrawal amount from the customer account as a result of the customer account balance check, the financial institution server 1880 is linked to the financial system and the transaction authentication information included in the cash withdrawal request message and the customer card ( Or check the cash withdrawal validity to withdraw the cash withdrawal amount from the customer account by comparing the authentication information provided in the customer account (2035a).

If the validity of the cash withdrawal is not confirmed, the financial institution server 1880 generates a cash withdrawal result message including the cash withdrawal error information and transmits it to the affiliated store terminal 1800 (2040a).

On the other hand, if the cash withdrawal validity is confirmed, the financial institution server 1880 withdraws the amount corresponding to the cash withdrawal amount from the customer account associated with the customer card (2045a).

According to one embodiment of the present invention, when the cash withdrawal request includes merchant information, the deposit processing unit checks the merchant account (or virtual account) information for cash withdrawal corresponding to the merchant information in connection with the financial system. Characterized in that.

If the cash withdrawal request message includes the cash withdrawal merchant account (or virtual account) information or the cash withdrawal merchant account (or virtual account) information corresponding to the merchant information is confirmed, the withdrawal processing unit When the cash withdrawal amount is withdrawn from the customer account, the financial institution server 1880 deposits the cash withdrawal amount into the cash withdrawal merchant account (or virtual account) in association with the financial system (2050a).

When the cash withdrawal fee is further included in the cash withdrawal amount from the customer account associated with the customer card by the withdrawal processing unit according to the method of the present invention, the financial institution server 1880 is the cash withdrawal fee It is preferable to check the merchant fee amount of the amount, and to deposit the cash withdrawal amount including the merchant fee amount to the merchant account (or virtual account) for the cash withdrawal amount.

Subsequently, the financial institution server 1880 generates a cash withdrawal result message including the deposit transaction details and a cash payment instruction (2055a), and transmits the generated cash withdrawal result message to the affiliated store terminal 1800 (2060a). In response, the merchant pays the cash withdrawal amount to the customer (2065a).

Referring to FIG. 20B, a customer requests cash withdrawal from a cash withdrawal merchant to withdraw a certain amount of cash from a cash withdrawal merchant, and a customer card (eg, a cash card, a check card, a debit card) associated with a customer account. (2000b), the affiliated store reads (or inputs) the customer card through the affiliated store terminal 1800 including the function configuration shown in FIG. 18 to obtain the customer card information, and the customer requests A cash withdrawal amount is input, and the customer is asked to input transaction authentication information. If the customer inputs the transaction authentication information (2005b), the affiliated store terminal 1800 receives the customer card information and the cash withdrawal amount information. A cash withdrawal request including at least one transaction authentication information, transaction authentication information, and merchant information (or merchant account (or virtual account) information for cash withdrawal); It generates a statement (2010b).

Thereafter, the affiliated store terminal 1800 transmits the generated cash withdrawal request message to the financial company server 1880 (2015b), and correspondingly, the financial company server 1880 connects with the financial system to request the cash withdrawal. The transaction authentication information included in the preamble is compared with the authentication information provided in the customer card (or customer account) to check the cash withdrawal validity to withdraw the cash withdrawal amount from the customer account (2020b).

If the cash withdrawal validity is not confirmed, the financial institution server 1880 generates a cash withdrawal result message including cash withdrawal error information and transmits the full withdrawal result to the affiliated store terminal 1800 (2025b).

On the other hand, if the cash withdrawal validity is confirmed, the financial institution server (1880) receives the full cash withdrawal request, check the customer account balance associated with the customer card in connection with the financial system (2030b), the confirmed It is checked whether the cash withdrawal amount can be withdrawn from the customer account by comparing a customer account balance with the cash withdrawal amount included in the cash withdrawal request message (2035b).

If it is not possible to withdraw the cash withdrawal amount from the customer account (eg, if the balance is insufficient), the financial institution server 1880 generates a cash withdrawal result message including cash withdrawal error information. The merchant terminal 1800 transmits the data to the affiliated store terminal 1800 (2040b).

On the other hand, if it is possible to withdraw the cash withdrawal amount from the customer account as a result of checking the customer account balance, the financial institution server 1880 withdraws the amount corresponding to the cash withdrawal amount from the customer account associated with the customer card (2045b) ).

If the cash withdrawal request message includes the cash withdrawal merchant account (or virtual account) information or the cash withdrawal merchant account (or virtual account) information corresponding to the merchant information is confirmed, the withdrawal processing unit When the cash withdrawal amount is withdrawn from the customer account, the financial institution server 1880 deposits the cash withdrawal amount into the cash withdrawal merchant account (or virtual account) in association with the financial system (2050b).

Thereafter, the financial company server 1880 generates a cash withdrawal result message including the deposit transaction details and a cash payment instruction (2055b), and transmits the generated cash withdrawal result message to the affiliated store terminal 1800 (2060b). In response, the merchant pays the cash withdrawal amount to the customer (2065b).

More specifically, FIG. 21 illustrates a cash withdrawal transaction process that is performed by combining the cash withdrawal transaction process shown in FIG. 19 and the cash withdrawal transaction process shown with FIG. 20B, and is commonly known in the art. If the person having the present invention can refer to and / or modify the drawing 21, various implementation methods for the cash withdrawal transaction process can be inferred, but the present invention includes all the execution methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 21, a customer requests a cash withdrawal from a cash withdrawal merchant to withdraw a certain amount of cash from a cash withdrawal merchant, and a customer card (eg, a cash card, a check card, a debit card) associated with a customer account. (2100), the merchant acquires the customer card information by reading (or inputting) the customer card through the affiliated store terminal 1800 including the functional configuration shown in FIG. 18, and requested by the customer. A cash withdrawal amount is input, and the customer is asked to input transaction authentication information. If the customer inputs the transaction authentication information (2105), the affiliated store terminal 1800 receives the customer card information and the cash withdrawal amount information. Before withdrawal request including at least one transaction authentication information, transaction authentication information and merchant information (or cashier merchant account (or virtual account) information) It generates 2110.

Thereafter, the affiliated store terminal 1800 transmits the generated cash withdrawal request message to the financial company server 1880 (2115), and in response thereto, the financial company server 1880 is linked with the financial system to request the cash withdrawal. Comparing the transaction authentication information included in the preamble with the authentication information provided in the customer card (or customer account) to check the cash withdrawal validity to withdraw the cash withdrawal amount from the customer account (2120).

If the cash withdrawal validity is not confirmed, the financial institution server 1880 generates a cash withdrawal approval message including cash withdrawal error information and transmits the complete withdrawal authorization message to the affiliated store terminal 1800 (2125).

On the other hand, if the cash withdrawal validity is confirmed, the financial institution server 1880 receives the full cash withdrawal request, check the customer account balance associated with the customer card in connection with the financial system (2130), the confirmed It is checked whether the cash withdrawal amount can be withdrawn from the customer account by comparing a customer account balance with the cash withdrawal amount included in the full withdrawal request.

If it is possible to withdraw the cash withdrawal amount from the customer account as a result of the customer account balance check, the financial institution server 1880 generates a cash withdrawal approval message including cash withdrawal approval information and transmits it to the merchant terminal 1800. (2140).

On the other hand, if the result of checking the customer account balance cannot withdraw the cash withdrawal amount from the customer account (for example, if the balance is insufficient), the financial institution server 1880 generates a cash withdrawal approval message including cash withdrawal error information. The merchant terminal 1800 transmits the information to the affiliated store terminal 1800.

When receiving the cash withdrawal approval message, the affiliated store terminal 1800 outputs cash withdrawal approval information (or cash withdrawal error information) included in the cash withdrawal approval message, and reads the cash withdrawal approval message with the cash. Check whether the withdrawal approval information is included to check the possibility of cash withdrawal. If it is confirmed that the withdrawal of cash is possible, the affiliated store terminal 1800 includes information about the merchant account (or virtual account) for cash withdrawal of the affiliated store. Generate a cash withdrawal processing full text (2145).

Here, the cash withdrawal processing full text may be encrypted according to an implementation method, or the electronic signature of the affiliated store may be attached in addition to the cash withdrawal merchant account (or virtual account) information, but it is common in the art to which the present invention pertains. Those skilled in the art will be able to infer various information configurations basically included in the cash withdrawal transaction-related full text according to the platform (or communication medium), so a detailed description thereof will be omitted for convenience.

Thereafter, the merchant terminal 1800 transmits the cash withdrawal processing text to the financial company server 1880 (2150), and correspondingly, the financial company server 1880 sends the cash from the customer account associated with the customer card. Withdraw the amount corresponding to the withdrawal amount (2155).

If the cash withdrawal request message includes the cash withdrawal merchant account (or virtual account) information or the cash withdrawal merchant account (or virtual account) information corresponding to the merchant information is confirmed, the withdrawal processing unit When the cash withdrawal amount is withdrawn from the customer account, the financial institution server 1880 deposits the cash withdrawal amount into the cash withdrawal merchant account (or virtual account) in connection with the financial system (2160).

When the cash withdrawal amount is further included in the cash withdrawal amount from the customer account associated with the customer card by the withdrawal processing unit according to the method of the present invention, the financial institution server 1880 is the cash withdrawal fee It is preferable to check the merchant fee amount of the amount, and to deposit the cash withdrawal amount including the merchant fee amount to the merchant account (or virtual account) for the cash withdrawal amount.

Thereafter, the financial company server 1880 generates the full text of the cash withdrawal result including the deposit transaction details and the cash payment instruction (2165), and transmits the generated cash withdrawal result text to the affiliated store terminal 1800 (2170). In response, the merchant pays the cash withdrawal amount to the customer (2175).

According to the present invention, the customer does not have to visit a bank window or a public place / convenience store equipped with an ATM / CD, and has the advantage of conveniently withdrawing cash necessary in a store, a mart, a department store, a discount store, etc., which the customer is using.

According to the present invention, the cash withdrawal affiliated stores can deposit the cash stored in the store into the bank without using a bank window or ATM / CD, thereby preventing the risk factors associated with cash storage.

According to the present invention, the cash withdrawal affiliate store has the advantage of generating a cash withdrawal fee revenue according to the cash withdrawal service.

Claims

Opening or registering a cash withdrawal merchant account (or virtual account) for a cash withdrawal affiliated merchant;

When the merchant terminal provided at the cash withdrawal affiliated merchant requests cash withdrawal through a customer card associated with a customer account, the cash withdrawal for the customer account is compared by comparing the cash withdrawal amount with the customer account balance associated with the customer card. Identifying the possibility;

If it is possible to withdraw cash, withdrawing the cash withdrawal request amount from the customer account, and depositing the withdrawal amount into the cash withdrawal merchant account (or virtual account); And

If it is confirmed that the cash withdrawal request amount is deposited in the cash withdrawal merchant account (or virtual account), the step of processing the cash withdrawal request amount to be withdrawn to the customer in the merchant terminal; Cash withdrawal transaction method through the merchant.

The method of claim 1, wherein after withdrawing the cash withdrawal request amount from the customer account, depositing the withdrawal amount into the cash withdrawal merchant account (or virtual account),

After withdrawing the cash withdrawal fee amount for the cash withdrawal from the customer account, the entire or part of the fee amount is further deposited into the cash withdrawal merchant account (or virtual account), characterized in that through the merchant Cash withdrawal trading method.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

Account opening or registration means for opening or registering a cash withdrawal merchant account (or virtual account) for a cash withdrawal affiliated merchant;

When a cash withdrawal through a customer account or a customer card associated with the customer account is requested at the affiliated terminal provided at the cash withdrawal affiliated merchant, the cash withdrawal possibility for the customer account is compared by comparing the balance of the customer account with the cash withdrawal request amount. Balance check means for confirming;

A checkout means for depositing the cash withdrawal request amount from the customer account and depositing the withdrawal amount into the cash withdrawal merchant account (or virtual account) when the cash result is possible;

When it is confirmed that the amount of the cash withdrawal request has been deposited into the cash withdrawal merchant account (or virtual account), the deposit transaction details and the cash payment order for the cash withdrawal merchant account (or virtual account) are transmitted to the merchant terminal. Cash withdrawal transaction system through the merchant, characterized in that it comprises a transmission means.

When the cashier request information is received through a customer account or a customer card linked to the customer account at the merchant terminal, the sum of the cash withdrawal request amount and the fee amount according to the cash withdrawal is compared with the balance of the customer account. Means for ascertaining the possibility of withdrawing cash to the account; And

As a result of the check, if the cash withdrawal is possible, after withdrawing the cash withdrawal request amount and the fee amount from the customer account, the cash withdrawal request amount among the withdrawn amount is deposited into the deposit account of the affiliated store name; The fee amount of the withdrawal amount is a means for processing the deposit in whole or only a part of the deposit account in the name of the merchant; Cash withdrawal transaction system through a merchant.