KR20090057184A - System for processing loan by using store account - Google Patents

Abstract

A system handling a loan by using a store passbook for stabilizing the cash flow of an online mall is provided to supply a short term loan by setting expected deposit contents by setting up expected deposit contents. An inherent number allocated to a deposit transaction history of a recording type account to a summary item of transaction history item of a real account is recorded tin a summary item of a transaction history item of the real account. The loan amount is calculated based on expected deposit amount. If the withdraw transaction lock about the deposit transaction history of the real account is set up, the inherent number of the transaction history is confirmed(1365). The real account transaction history including the confirmed generic number in the summary item is confirmed(1375). The withdrawal lock is set up about real amount including the inherent number(1385).

Description

Loan processing system using store account {System for Processing Loan by Using Store Account}

1 is a diagram illustrating a recordable account registration system according to an embodiment of the present invention.

2 is a diagram illustrating the configuration of record ledger information according to an embodiment of the present invention.

3 is a diagram showing the configuration of record account ledger information according to another embodiment of the present invention.

4 is a diagram illustrating an information providing process for registering (or opening) a recordable account according to an exemplary embodiment of the present invention.

5 is a diagram illustrating an information providing process for registering (or opening) a recordable account according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of processing a recordable account into an online account according to an embodiment of the present invention.

7 is a view showing a configuration of a recordable account management system for storing the details of the deposit in the recordable account ledger in order to automatically generate the accounting-related accounting data of the online store according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a process of storing deposit details in a record type ledger to automatically generate deposit related accounting data of an online store according to an exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating a configuration of a recordable account management system for automatically generating deposit related accounting data of an online store according to an exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of storing a deposit transaction in a record type ledger to automatically generate deposit related accounting data of an online store according to an exemplary embodiment of the present invention.

FIG. 11 is a diagram showing the configuration of a recordable account loan system for a deposit secured amount secured loan according to an embodiment of the present invention.

12 is a diagram illustrating a process of depositing a security amount to be deposited according to an embodiment of the present invention.

13A and 13B are diagrams illustrating a process of locking a withdrawal transaction of a real account with respect to a deposit secured amount loan of a record-type account according to an embodiment of the present invention.

FIG. 14 is a diagram illustrating a loan repayment process for a deposit secured amount loan of a record type account according to an embodiment of the present invention.

<Description of main parts of drawing>

700: record type account management server 705: interface unit

710: information receiving unit 715: information checking unit

720: Unique number assignment unit 725: Deposit details storage unit

730: payment agency server 735: payment agency server

According to the present invention, when deposit receipt information including at least one account number corresponding to a recordable account associated with a real account, deposit due amount information, and deposit due date information is received, the server determines whether the deposit is received in the received deposit scheduled information. Storing deposit scheduled details made by assigning a unique number for checking in the recordable account ledger, and checking the deposit in connection with the recordable account ledger at a server when applying for a loan for the recordable account; Confirming at least one or more deposit scheduled details not exceeding the scheduled payment date by checking a unique number for calculating a loan amount, and calculating a loan amount based on at least one or more scheduled deposit amount included in the scheduled deposit details; For the withdrawal transaction for the deposit due amount corresponding to the deposit expected details included in the loan amount calculation Setting a lock, and when the calculated loan amount is loaned to the recordable account (or a real account associated with the recordable account), a deposit deposit amount corresponding to the locked deposit details on the server is deposited. When the funds are transferred to the real account associated with the record-type account through the path, the deposit schedule details including the unique number are converted into the deposit transaction details in connection with the record-type account ledger. (Or the contents) storing the unique number assigned to the details of the deposit scheduled, and setting a lock on the deposit amount transferred to the real account by matching the unique number; Loan processing system using a store bank account having the step of storing the deposit amount information transferred to the funds and the unique number in a predetermined storage medium Relate to.

Due to the continuous development of information and communication technology, economic activities (purchase / payment) using online are frequently occurring, and the economic scale through the online is expanding day by day.

Many online stores are located at the center of the economic activity using online, and these online stores have become an axis of economic activity in Korea.

Therefore, the online store is also in urgent need of accounting management like a conventional offline store (or company), and especially the more complex stores that deal with many kinds of products.

However, with the exception of some large online stores, no special means for accounting management are provided, which means that most small online stores spend a lot of money and hire part-time staff for the accounting management, or to a professional accountant. He is in charge of accounting management.

An object of the present invention for solving the above problems is, when the payment information is received, including at least one account number corresponding to the record-type account associated with the real account, the payment amount information and the scheduled payment date information is received from the server, Storing the deposit scheduled details made by assigning a unique number for checking whether the deposit is received to the received deposit information in the recordable account ledger; and when applying for a loan for the recordable account, the recordable account ledger at the server Check the at least one deposit scheduled details not exceeding the scheduled payment date by confirming a unique number for confirming the deposit or not in connection with the loan, and the loan amount based on at least one deposit scheduled amount included in the deposit scheduled details And calculating, and corresponding to deposit details included in the loan amount calculation at the server. Setting a lock on a withdrawal transaction for a deposit due amount; and if the calculated loan amount is loaned to the recordable account (or a real account associated with the recordable account), the locked deposit pending details are set by the server. When the amount of the deposit corresponding to the deposit is transferred to the real account associated with the recordable account through each deposit path, the deposit expected details including the unique number are converted into the deposit transaction details in association with the recordable account ledger; Storing a unique number assigned to the details of the deposit in the summary (or content) item among the real account transaction details, and locking the deposit amount transferred to the real account by matching the unique number And a step of storing the deposit amount information transferred to the real account and the unique number in a predetermined storage medium in association with the unique number. Is to provide a loan processing system using a store account.

In the loan processing system using the store account according to the present invention, when the payment schedule information including at least one account number corresponding to the record-type account associated with the real account, the deposit amount amount information and the deposit date and date information is received, Storing deposit scheduled details made by assigning a unique number for confirming a deposit to the received deposit scheduled information in the recordable account ledger, and when applying for a loan for the recordable account, the recordable account at the server; Check the at least one deposit scheduled details not exceeding the due date of the deposit by confirming the unique number to confirm the deposit or not in connection with the ledger, and based on at least one deposit scheduled amount included in the deposit scheduled details Calculating an amount of money, and depositing details included in the loan amount calculation at the server; Setting a lock on a withdrawal transaction with respect to the deposit scheduled amount, and when the calculated loan amount is loaned to the recordable account (or a real account associated with the recordable account), the locked deposit scheduled payment is set by the server. When the amount of the deposit corresponding to the details is transferred to the real account associated with the recordable account through each deposit path, the amount of the deposit expected details including the unique number is converted into the deposit transaction details in association with the recordable account ledger. And storing a unique number assigned to the details of the deposit scheduled in the brief (or content) item among the real account transaction details, and locking the deposit amount transferred to the real account by matching the unique number. And storing the information stored in a predetermined storage medium by linking the deposit amount information transferred to the real account with the unique number. 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 recordable account registration system according to an embodiment of the present invention.

In more detail, FIG. 1 is a record type for supporting store accounting management of an online store (eg, an Internet shopping mall) from a predetermined terminal device 175 to a predetermined record type account registration server 100 through a predetermined network means. When providing record type account application information for registering an account, the record type account application information provided from the terminal apparatus 175 in the record type account registration server 100 is provided to a predetermined information processing server provided in a predetermined financial institution. By providing to 140, the system configuration for opening a record type account in the form of an online account corresponding to the record type account application information in the information processing server 140, the general knowledge in the technical field to which the present invention belongs If you have a person with a reference to and / or modifying the Figure 1 and the record type account for the store accounting management support of the online store (eg, Internet shopping mall, etc.) Various implementation methods for the system for registering 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.

According to the present invention, the recordable account is a record type by matching the transaction history related to the accounting of the online store among the transaction history of the real account of the online store to automatically generate accounting data of the online store. Characterized in that it comprises an online account recorded in the account transaction history for this purpose, assigning a unique number to each record type account transaction recorded in the record account ledger, and the assigned unique number to the real account transaction By processing to record in the summary (or content) of the details, characterized in that the processing of the transaction associated with the accounting of the online store of the real account transaction history in association with the transaction history of the recordable account.

In addition, the recordable account may be a real account of an online store (or an online store representative) as a parent account, or a real account of a web server operator provided with the online store as a parent account, or the recordable account management institution ( Alternatively, it is possible to use both a real account of a financial institution as a parent account, and the following embodiment will be described by showing that the recordable account uses the real account of the online store as a parent account for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a recordable account registration system for registering a recordable account in the form of an online account using a real account operated by the online store as a parent account is provided through a predetermined network means. Accesses the recordable account registration server 100 to request a recordable account registration (or open), and registers the recordable account application information corresponding to the recordable account registration (or open). The terminal device 175 provided to the server 100 and the terminal device 175 are connected to the terminal device 175 through predetermined network means to receive predetermined record type account application information from the terminal device 175, and receive the received information. The recordable account registration server 100 for providing recordable account application information to the information processing server 140 provided in a predetermined financial institution, and the recordable account registration server 100 and predetermined communication means. Connected through the recordable account registration server 100 to receive the recordable account application information, and based on the received recordable account application information to register (or open) a recordable account of the online store customer name An information processing server 140 and a financial system for operating the recordable account are provided.

Here, the financial system is a computerized system provided in a financial institution to open at least one financial account for at least one or more customers and provide at least one financial transaction service based on the financial account, the at least one sales office An accounting system for processing a windowing service such as a credit or receiving or trust or a foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and at least one or more of the financial system; Interconnection between different financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking) provided in at least one or more external communication networks. , TV banking, etc.) to the financial system, and / or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interface through the common network (eg CD common network, financial common network), and the financial system provides interfacing between components in the financial system Interface module corresponding to the middleware platform, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the financial information. The financial transaction through the financial system is based on the law regarding financial real-name transaction and confidentiality and Corresponding to real-name financial account corresponding to the simultaneous decree (Presidential Decree No. 15744) Yiwu is effectively treated.

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

According to an embodiment of the present invention, the financial system provided in the financial institution includes at least one or more window terminals and a predetermined financial network (eg, a branch network) provided in branches (and / or branches) of the financial institution. It is characterized in that the connection through, through the window terminal provides a financial transaction service of the face-to-face manner for at least one account opening customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one account opening customer.

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

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

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

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

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

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

According to the present invention, an online store customer registering the recordable account through an online channel may use at least one terminal device 175 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the recordable account registration server 100 through, and receives a variety of application services provided by the recordable account registration server 100.

Here, the wired terminal connected to the wired communication network of the terminal device 175 is a generic term for all terminal devices 175 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and is connected to the TCP / IP based communication network. Connected desktop computers and / or notebooks, or consumer electronics terminals (e.g., set-top-box, etc.) connected to the TCP / IP-based communication network, or kiosks connected to the TCP / IP-based communication network ( KIOSK) or the like is preferably included.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 175 connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices 175 connected to a mobile Internet based on IEEE 802.16x, and And / or a generic term for all terminal devices 175 connected to Motorola's DataTAC and / or Erricson's Mobitex-based wireless data communication networks, a Personal Communication System (PCS) and / or GSM connected to the CDMA-based mobile communication network. (Global System for Mobile communications) terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smartphone (Smart Phone) and / or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex device It comprises a wireless data communication terminal connected to a wireless data network, such as at least one is preferable.

The recordable account registration server 100 may include a web server provided with the online store, or may include a server provided in a recordable account registrar (or financial institution) affiliated with the web server. Preferably, a search service including at least one information / content to a terminal device 175 including at least one wired terminal (or wireless terminal) through the wired communication network (or wireless communication network) according to the intention of a person skilled in the art, And / or a portal server and / or search server that provides a personalization service, including a minihompy / blog, and / or a mail service, and / or a messenger service, and / or various information providing services. It is preferable.

According to the present invention, the information providing service provided by the recordable account registration server 100 to the terminal device 175 includes at least one or more requests for new establishments from at least one online store customer through the financial institution online. And recordable account description information.

In addition, the recordable account registration server 100 is connected to the terminal device 175 at least one user interface for the online store customer to register the recordable account through a network means including the wired communication network (or wireless communication network) The terminal apparatus 175 inputs (or selects) predetermined record type account application information for registering the record type account through the user interface to the wired communication network (or wireless communication network). It is characterized in that for transmitting to the recordable account registration server 100 via a network means comprising a.

To this end, the terminal device 175 outputs at least one user interface provided from the recordable account registration server 100, and inputs and / or selects at least one recordable account application information through the user interface. A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the recordable account registration server 100, etc.) for transmitting to the recordable account registration server 100 is provided. It is desirable to have.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the recordable account registration server 100 as described above, and at least one recordable account system through the user interface. Since it is possible to easily infer the characteristics of the terminal device 175 corresponding to at least one wired terminal (or wireless terminal) for inputting and / or selecting the request information and transmitting it to the recordable account registration server 100. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the recordable account registration server 100 is provided with an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 175 through the network means. It is done.

According to an embodiment of the present invention, when the terminal device 175 includes a wired terminal (or a wireless terminal) connected to a predetermined wired communication network (or a wireless communication network), the interface unit 105 may include the wired network and / Or at least one or more information by connecting a predetermined communication channel with the terminal device 175 based on a protocol stack defined in a wireless network, and using a communication protocol defined in a communication program included in the terminal device 175. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the terminal device 175 is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 is connected to the terminal device 175 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the terminal device 175 is provided with a communication program provided by the recordable account registration server 100, the interface unit 105 is connected to the terminal device 175 based on the TCP / IP protocol. It connects a communication 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 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to connect a communication channel with a device 175 and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the terminal device 175. Do.

For example, when the terminal device 175 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 105 is based on the CDMA protocol. 175 and a communication channel, and a web page (e.g., a wireless markup language (WML) compliant web page, or an HTML compliant web page) and / or information transmission and reception using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 1, in the recordable account registration server 100, a predetermined terminal device 175 is connected to the recordable account registration server 100 and / or registers a recordable account through the interface unit 105. (Or establish) a predetermined user interface for inputting (or selecting) predetermined record-type account application information to be transmitted from the terminal device 175 in association with the interface unit 105 (or predetermined). An interface providing unit 110 which extracts from a web source D / B (not shown) and provides the terminal unit 175 with the interface unit 105, and the terminal unit 175 provides the user interface with the interface unit 105. An information processing unit (120) for receiving predetermined record type application information to be input (or selected) and transmitted through the information processing server; and the information processing server provided to the financial institution through the predetermined communication means. 140) And an information relay section 130 provided is characterized in that formed.

In addition, the recordable account registration server 100 includes a web server provided with the online store, or includes a server provided in a recordable account registrar (or financial institution) affiliated with the web server. Preferably, it comprises a search service including at least one or more information / content through the interface unit 105, and / or minihompy / blog according to the intention of the skilled person And a web service unit 115 for providing a web-based service including at least one of a personalization service, a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art to which the invention belongs, the recordable account registration server 100 is a portal server and / or search server With at least one terminal device (175) for performing a function to read and, because it groups the method for providing the web-based service, and a detailed description thereof will be omitted for convenience.

In addition, the recordable account registration server 100 is received from the terminal device 175 through the information receiving unit 120 for the post-management of the recordable account application information received through the information receiving unit 120. Record-type account issuance information including the recorded record-type application information or at least one record-type account information generated by the information processing server 140 based on the recordable account application information. And an information storage unit 125 for storing in the type account D / B 135, wherein the record type account issuing information is based on the record type account application information and the record type account application information. In addition to the recordable account information registered (or opened), the recordable account security information and the online account attribute information received from the terminal device 175 are at least included. Or at least it is preferable that further comprising.

The interface provider 110 requests a predetermined terminal device 175 to connect to the recordable account registration server 100 and / or register (or open) a recordable account through the interface unit 105. In response to the functional configuration of the terminal device 175, the user may input (or select) the recordable account application information and generate a predetermined user interface capable of transmitting to the recordable account registration server 100 through the network means. Or / or extracts a user interface extracted from a predetermined database (not shown), and generated (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 105. It is characterized in that to provide to the terminal device 175 through.

Thereafter, the terminal apparatus 175 inputs (or selects) the recordable account application information based on the user interface, and records the input (or selected) recordable account application information through the network means. Transfer to the account registration server 100.

According to an exemplary embodiment of the present invention, when the terminal device 175 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program and / or a communication program provided in the wired terminal. Generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (not shown) through the interface unit 105. It is preferable to provide a user interface extracted from the) to the terminal device (175).

According to another exemplary embodiment of the present invention, when the terminal device 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 105. It is preferable to provide a user interface extracted from the) to the terminal device (175).

According to an embodiment of the present invention, the user interface for receiving (or selecting) predetermined record type application information from the terminal apparatus 175 in the recordable account registration server 100 may include at least one record type account. Preferably, the online store customer includes an interface for selecting at least one recordable account to apply for.

In addition, when the recordable account corresponding to the recordable account application information corresponds to a recordable account in the form of free and withdrawal, the user interface for receiving (or selecting) the recordable account application information may include the recordable account. An interface for outputting the recordable account detail information such as the recordable account name and the interest rate information corresponding to the account to the terminal device 175 and confirming that the online store customer has confirmed the recordable account detail information. It is preferable to make it.

In addition, the user interface for receiving (or selecting) the recordable account application information outputs the terms and conditions information corresponding to the recordable account to the terminal device 175, and the online store customer agrees to the terms and conditions. It is preferred to include an interface.

The user interface for inputting (or selecting) the recordable account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, Address, e-mail address, etc.), and / or input (or select) the customer member information (eg, customer ID information, password information) provided in the recordable account registration server 100. It is preferred to include an interface.

Thereafter, the terminal apparatus 175 records recordable account selection information for selecting at least one recordable account to which the online store customer applies from among a plurality of recordable accounts through the user interface, and the recordable account corresponding to the recordable account. Input (or select) recordable account application information including at least one agreement information and at least one customer information of the recordable account application customer and transmit the information to the recordable account registration server 100 through the network means. .

According to an embodiment of the present invention, a user interface for receiving (or selecting) the recordable account application information may include an account password for a recordable account corresponding to the recordable account application information, and / or the recordable account. Preferably, the method further includes an interface for inputting (or selecting) at least one or more recordable account security information (eg, password, or personal identification number (PIN) information).

When an interface for inputting (or selecting) at least one recordable account security information is provided to the terminal device 175, the terminal device 175 inputs (or selects) recordable account security information through the interface. And transmits the input (or selected) recordable account security information to the recordable account registration server 100 through the network means, or writes the recordable account security information to the recordable account application information. It further comprises transmitting to the recordable account registration server 100 via the network means.

If the recordable account security information is included in the recordable account application information, the confidentiality, authentication, integrity and nonrepudiation of the recordable account security information are secured. The recordable account security information (or the recordable account application information including the recordable account security information) is preferably encrypted by a predetermined encryption method and transmitted to the recordable account registration server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the recordable account application information may include inputting online account attribute information for processing the recordable account to be registered (or opened) in the form of an online account ( Or an interface to be selected).

When an interface for inputting (or selecting) the online account attribute information is provided to the terminal apparatus 175, the terminal apparatus 175 inputs (or selects) the online account attribute information through the interface and then inputs the input. (Or the selected) transfer the online account attribute information to the recordable account registration server 100 through the network means, or further include the online account attribute information in the recordable account application information through the network means. The recordable account registration server 100 is transmitted.

Here, the online account attribute information may include real account information of an online store (or an online store representative), or an online store for processing the recordable account to be linked with a single parent account (or real account). And real account information of the provided web server operating institution, or real account information of the recordable account management institution (or financial institution).

According to an embodiment of the present invention, a user interface for inputting (or selecting) the recordable account application information may include: depositing (or withdrawing) a payment account (or withdrawal transaction) of an online store real account associated with the recordable account. Preferably, the method further includes an interface for inputting (or selecting) accounting information related to accounting.

When an interface for inputting (or selecting) the accounting account information is provided to the terminal device 175, the terminal device 175 inputs (or selects) accounting account information through the interface, and then inputs (or selects) the accounting information. The accounting information transmitted to the recordable account registration server 100 through the network means, or further including the accounting account information in the recordable account application information. Send to the registration server 100.

According to another exemplary embodiment of the present invention, virtual account information for each payment path including at least one virtual account number corresponding to the accounting related payment path of the online store instead of the accounting account information, or the accounting related withdrawal classification of the online store. It is possible to provide an interface for inputting (or selecting) a code to the terminal device 175 and to directly receive the virtual account information for each deposit path or the withdrawal classification code from the terminal device 175, thereby allowing the present invention. This is not limited.

When the terminal device 175 inputs (or selects) predetermined record-type account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the recordable account application information, and providing the received recordable account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the recordable account application information includes recordable account selection information for selecting at least one recordable account to which the recordable account application customer applies from among the plurality of recordable accounts, and the terms corresponding to the recordable account. It is preferable to include at least one consent information.

In addition, the terminal apparatus 175 inputs (or selects) predetermined record-type account security information through the user interface and transmits it through the network means, or in the terminal apparatus 175, the recordable account security information. When the transmission is included in the recordable account request information, the information receiver 120 receives the recordable account security information in conjunction with the interface unit 105, the received recordable account security Information is provided to the information relay unit 130 and / or information storage unit 125.

In addition, the terminal device 175 inputs (or selects) predetermined online account property information through the user interface and transmits it through the network means, or the terminal device 175 transmits the online account property information to the user. The information receiving unit 120 receives the online account attribute information in cooperation with the interface unit 105 when the information is included in the recordable account application information and is transmitted. The relay unit 130 and / or the information storage unit 125 is provided.

The information storing unit 125 includes the recordable account application information received through the information receiving unit 120 in recordable account issuing information and stores the information in the recordable account D / B 135. In this case, the recordable account registration server 100 (or the recordable account registration server 100 operating institution) is based on the recordable account application information stored in the recordable account D / B 135. Provide a basis for receiving a fee from attracting customers to the record type account application.

When the recordable account security information is received through the information receiver 120, the information storage unit 125 records recordable account issuing information obtained by linking the recordable account security information to the recordable account application information. The recordable account security information may be stored in the recordable account D / B 135, and the recordable account security information may be stored in the recordable account registration server 100 (or the financial company server operating the recordable account). It is used to authenticate financial transactions (or payments) using.

When the online account attribute information is received through the information receiving unit 120, the information storage unit 125 stores the online account attribute information obtained by linking the online account attribute information to the recordable account application information. And storing the data in the D / B 135, wherein the online account attribute information is recorded in the recordable account registration server 100 (or the financial company server operating the recordable account) using the recordable account. It is used to authenticate (or payment).

According to the method of the present invention, the information storage unit 125, when the predetermined record type account corresponding to the record type account application information is opened by the information processing server 140, the record type account registration server ( The recordable account information opened by the information processing server 140 for a financial transaction (or payment) using the recordable account at 100 (or a financial company server operating the recordable account); The recordable account which is further included in the account issuing information and stored in the recordable account D / B 135 or the recordable account application information included in the recordable account issuing information is opened by the information processing server 140. It is preferable to substitute the information, and the present invention is not limited thereby.

Here, the recordable account information includes a recordable account number in the form of an online account number generated by the information processing server 140, account holder information corresponding to the customer information included in the recordable account application information, and the online store. It is preferable to include the information and the financial institution information in which the recordable account is opened.

The information relay unit 130 corresponds to the recordable account (for example, the recordable account corresponding to the recordable account) through the predetermined communication means for the recordable account application information received through the information receiving unit 120. And relaying the information to the information processing server 140 provided in the financial institution where the account is registered (or opened). In response, the information processing server 140 records the information in the financial system provided in the financial institution. And a recordable account corresponding to the type account application information.

Here, the communication means for connecting the recordable account registration server 100 and the information processing server 140 may block access by a third party other than the recordable account registration server 100 and the information processing server 140. A dedicated communication network and / or a secure communication network (eg, the recordable account registration server 100) that provides a secure communication function between the recordable account registration server 100 and the information processing server 140 may transmit the recordable account application information. A communication network encrypted by a predetermined encryption method and transmitted to the information processing server 140, and the information processing server 140 decrypts the recordable account application information through a decryption method corresponding to the encryption method. It is preferable to make.

When the record type account security information is received through the information receiving unit 120, the information relay unit 130 includes the record type account security information in a financial institution corresponding to the record type account through a predetermined communication means. It is characterized in that the relayed transmission to the information processing server 140, whereby the information processing server 140 to the recordable account ledger corresponding to the recordable account opened on the financial system provided in the financial institution; And storing the recordable account security information.

When the online account attribute information is received through the information receiving unit 120, the information relay unit 130 provides the online account attribute information to a financial institution corresponding to the recordable account through a predetermined communication means. It is characterized in that the relay transmission to the processing server 140, whereby the information processing server 140 is characterized in that the processing of the record-type account opened on the financial system provided in the financial institution as an online account.

When the accounting account information is received through the information receiving unit 120, the information relay unit 130 is an information processing server provided in the financial institution corresponding to the record type account through the predetermined communication means; Characterized in that the transmission to the 140, whereby the information processing server 140 includes at least one virtual account number corresponding to the accounting account information in the recordable account ledger on the financial system provided in the financial institution The virtual account information for each payment path is stored in association with each other, or the withdrawal classification code information including at least one withdrawal classification code corresponding to the accounting information is stored.

According to another embodiment of the present invention, when the information processing server 140 is provided with a recordable account registration server 100 function, and / or the information processing server 140 is a predetermined banking server, the information. The relay unit 130 connects and relays the terminal apparatus 175 and the information processing server 140 so that the recordable account application information (or the information is received from the terminal apparatus 175 in the information processing server 140). It is possible to relay directly to a predetermined user interface for receiving the recordable account application information, recordable account security information, or online account attribute information, or accounting account information), whereby the information processing server 140 ) Is the recordable account application information (or the recordable account application information and recordable account security information, or online system) from the terminal device 175 through a predetermined network means. Left attribute information, or accounting information) can be directly received, whereby the present invention is not limited.

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

Referring to FIG. 1, the information processing server 140 records recordable application information (or the recordable account application information and recordable account security information) provided from the recordable account registration server 100 through the communication means. Or an online account attribute information or accounting account information), and a recordable account corresponding to the recordable account application information received through the information receiver 145 in association with a predetermined financial system. And an online account processing unit 155 for processing the opened record type account in the form of an online account having a real account corresponding to the online account attribute information as a parent account. It is done.

The information receiving unit 145 is a recordable account application information (or the recordable account application information and recordable account security information, or online account attribute information provided from the recordable account registration server 100 through the communication means, Or accounting account information), and the received recordable account application information (or the recordable account application information and recordable account security information, or online account attribute information, or accounting account information). It provides to the establishment part 150.

According to an embodiment of the present invention, the recordable account application information provided from the recordable account registration server 100 (or the recordable account application information and recordable account security information, or online account attribute information, or accounting account information). ) Is encrypted, the information receiving unit 120 decrypts the encrypted recordable account application information (or the recordable account application information and recordable account security information, or online account attribute information, or accounting account information). It is preferable to further comprise.

The account establishment unit 150 is the recordable account application information (or the recordable account application information and recordable account security information, or online account from the recordable account registration server 100 through the information receiving unit 120) Attribute information, or accounting account information), the recordable account corresponding to the recordable account application information is opened through the financial system.

Here, the account establishment unit 150 to open a record type account corresponding to the record type account application information, the customer information included in the record type account application information in the ledger D / B provided on the financial system And registering the customer ledger corresponding to the user account (which may be omitted if the customer ledger is already registered) and the recordable account ledger corresponding to the recordable account selection information included in the recordable account application information and the agreement information. It is characterized by.

In addition, when the record type account security information is received through the information receiving unit 145, the account opening unit 150 registers the record type account security information in the record type ledger registered in the financial system. It features.

If one of ordinary skill in the art to which the present invention pertains, the account establishment unit 150 opens the recordable account in conjunction with the financial system (for example, to register a predetermined record account ledger). Since you will be familiar with the procedure, a detailed description thereof will be omitted for convenience.

When the online account attribute information is received through the information receiving unit 145, the online account processing unit 155 online the recordable account (or recordable account ledger) opened by the account opening unit 150. A real account corresponding to the account attribute information is processed into an online account serving as the parent account.

According to an embodiment of the present invention, when the online account attribute information includes real account information of the online store (or online store representative), the online account processing unit 155 may be configured to execute the online store (or online store representative). The real account is treated as the parent account of the recordable account, and the account ledger corresponding to the real account of the online store (or online store representative) and the recordable account ledger on the ledger D / B provided on the financial system are relational. It is preferable to process the linkage.

According to another exemplary embodiment of the present invention, when the online account attribute information includes real account information of a web server operator provided with the online store, the online account processing unit 155 may include a web server provided with the online store. The account ledger corresponding to the real account of the web server operator provided with the online store on the ledger D / B provided on the financial system by processing the real account of the operating institution as the parent account of the recordable account. It is advisable to link account ledgers relationally.

According to another exemplary embodiment of the present invention, when the online account attribute information includes real account information of the recordable account management institution (or financial institution), the online account processing unit 155 may include the recordable account management institution. An account ledger corresponding to the actual account of the recordable account management institution (or financial institution) on the ledger D / B provided on the financial system by treating the real account of the financial institution as the parent account of the recordable account. It is desirable to link and process the recorded account ledger in a relational manner.

Referring to FIG. 1, the information processing server 140 matches N (N> = 1) grain path information in which the settlement amount corresponding to the payment of the online store is deposited with N (N> = 1). Number assigning unit 160 (or account number assigning means) for allocating the virtual account numbers to the recordable account, the N (N> = 1) deposit path information and the assigned N (N> = 1 It is characterized in that it comprises an information storage unit 170 (or information storage means) for storing the virtual account information for each of the deposit paths made by linking the virtual account number for each of the deposit paths in association with the record type ledger. .

The online store includes a payment means corresponding to at least one payment means category, respectively, and when a customer accessing the online store pays through a payment means corresponding to a specific payment means category, The settlement amount corresponding to the payment is transferred to the account of the online store through at least one payment gateway (PG) for each payment method or payment institution (eg, a financial company, a card company, etc.) corresponding to the payment method. The deposit path may include at least one payment agency for each payment means or payment agency for each payment method, and the payment path information may correspond to an income related account of the accounting information. .

Here, the payment means for payment of the online store is preferably included in at least one category of payment means (for example, card payment, virtual account payment, bank transfer payment, cash payment (or bank account payment), etc.).

According to an embodiment of the present invention, the deposit path information preferably comprises at least one payment agency information for each payment means for depositing the settlement amount corresponding to the payment of the online store to the account of the online store, Alternatively, it is preferable to include at least one financial institution information for each payment means for depositing the settlement amount corresponding to the payment of the online store to the account of the online store.

The account number allocating unit 160 allocates the virtual account numbers for the N (N> = 1) deposit paths, which match one-to-one with N (N> = 1) particle path information, to the recordable account. .

According to an embodiment of the present invention, when the deposit path corresponds to the payment means category for card payment of the online store, the account number assignment unit 160 may be a payment agency (or payment) corresponding to the card payment means category. It is preferable to confirm the deposit path information for each institution and to allocate a virtual account number for one-to-one matching with the confirmed deposit path information to the recordable account.

Here, the card payment means category is characterized in that it comprises at least one or more credit card payment means, check card payment means, debit card payment means, prepaid card payment means, payment agency corresponding to the card payment means category (Or payment institution) The virtual account number matching the payment path information for each, preferably provided to each payment agency (or payment institution) corresponding to the card payment means, after which the payment agency (or payment institution) It is preferable to deposit the settlement amount corresponding to the card payment of the online store through the allocated virtual account number.

Alternatively, when the deposit path corresponds to a payment means category for virtual account payment of the online store, the account number allocator 160 deposits for each payment agency (or payment institution) corresponding to the virtual account payment means category. It is preferable to check the route information and assign a virtual account number to the recordable account one-to-one matching with the confirmed deposit route information.

Here, the virtual account number corresponding to the payment path information for each payment agency (or payment institution) corresponding to the virtual account payment means category is provided to each payment agency (or payment institution) corresponding to the virtual account payment means. Preferably, the payment agency (or payment institution) then deposits the settlement amount corresponding to the virtual account payment of the online store through the allocated virtual account number.

Alternatively, when the deposit path corresponds to the payment means category for the bank transfer payment of the online store, the account number allocator 160 deposits for each payment agency (or payment institution) corresponding to the account transfer payment method category. It is preferable to check the route information and assign a virtual account number to the recordable account one-to-one matching with the confirmed deposit route information.

Here, the virtual account number corresponding to the payment path information for each payment agency (or payment institution) corresponding to the bank transfer payment method category is provided to each payment agency (or payment institution) corresponding to the payment transfer means. Preferably, the payment agency (or payment institution) preferably deposits the settlement amount corresponding to the wire transfer payment of the online store through the allocated virtual account number.

Alternatively, when the deposit path corresponds to a payment method category for cash payment (or bank account deposit) payment of the online store, the account number allocator 160 corresponds to the cash deposit (or bank account deposit) payment method category. It is preferable to check the payment path information for each payment agency (or payment institution), and assign a virtual account number that matches the confirmed payment path information one-to-one to the recordable account.

Here, the virtual account number corresponding to the payment path information for each payment agency (or payment institution) corresponding to the cash deposit (or bank account deposit) payment means category, respectively, corresponding to the cash deposit (or bank account deposit) payment means Preferably, the payment agency (or payment institution) is provided to the payment agency (or payment institution), and then the payment agency (or payment institution) setstles the settlement amount corresponding to the cash (or unpaid deposit) payment of the online store through the assigned virtual account number. It is preferable to process a deposit.

Those skilled in the art to which the present invention pertains can infer various forms of payment means other than the card payment means, virtual account payment means, bank transfer payment means, cash deposit (or bank account payment) payment means. The present invention includes all implementation methods for allocating payment path information for each payment agency (or payment institution) corresponding to the other payment means inferred, and each virtual account number matching one-to-one with the payment path information. It is characterized by.

The account number allocator 160 matches the payment path information for each payment agency (or payment institution) corresponding to the N (N> = 1) payment methods supported by the online store, and the deposit path information is one-to-one matched. When each virtual account number is allocated, the information storage unit 170 processes the N (N> = 1) deposit path information and the assigned N (N> = 1) deposit path virtual account numbers. And generate virtual account information for each deposit path, and store the generated deposit account information in association with the recordable ledger.

Referring to FIG. 1, when the accounting account information is received through the information receiving unit 145, the information processing server 140 withdraws a transaction of the recordable account (eg, a real account associated with the recordable account). A withdrawal classification code generation unit 165 (or withdrawal classification code generating means) for generating M (M> 1) withdrawal classification codes corresponding to the expenditure account (or expenditure item of the online store) of the accounting information; And an information storage unit 170 (or information storage means) for storing the withdrawal classification code information formed by linking the generated M (M> 1) withdrawal classification codes with respective expenditure account information with the recordable account ledger. It is characterized by consisting of).

The withdrawal classification code includes a basic expenditure account applied to most online stores of the accounting account information, and an extended expenditure account applied according to the type and characteristic of a product sold in a specific online store. According to a preferred embodiment of the invention, it is preferable that the basic expenditure account of the accounting information is automatically set, and the extended expenditure account corresponding to the online store is received from the terminal device 175 through the accounting account information. .

The withdrawal classification code generation unit 165 may include a withdrawal classification including at least one of a basic expenditure account and an extended expenditure account for the online store among the withdrawal transactions of the recordable account (eg, the real account associated with the recordable account). Characterized by generating a code, the withdrawal classification code is preferably one-to-one matching with the expenditure account of the accounting information, or the expenditure item of the online store.

Those of ordinary skill in the art to which the present invention pertains may include a preferred account configuration for the basic expenditure account among the accounting accounts, and an extended expenditure account applied according to the type and characteristics of goods sold in the online store. Since the account configuration may be inferred, a detailed description thereof will be omitted for convenience.

When the withdrawal classification code corresponding to the accounting account information is generated by the withdrawal classification code generation unit 165, the information storage unit 170 generates the M (M> 1) withdrawal classification codes and the withdrawal code. It is characterized in that for generating withdrawal classification code information formed by linking each expenditure account information matching one-to-one with a classification code, and storing the generated withdrawal classification code information in association with the record type ledger.

2 is a diagram showing the configuration of record account ledger information according to an embodiment of the present invention.

In more detail, FIG. 2 is an online account type opened by using the real account of the online store as the parent account in the ledger information stored in the predetermined ledger D / B 200 provided in the DBMS on the financial system shown in FIG. The structure of the ledger information corresponding to the recorded account ledger of the present invention is illustrated, and specifically, a preferred method of implementing the recordable ledger information corresponding to the Internet shopping mall provided with one online store is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 2 to provide a variety of information regarding the structure of the recorded account ledger information in the ledger D / B with the actual account of the online store as the parent account. It is possible to infer an information construction method, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to the recordable ledger information structure shown in FIG. Although various implementation methods for information organization may be inferred, the present invention is characterized by including all implementation methods inferred.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 200 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

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

* According to an embodiment of the present invention, through the recordable account registration system shown in Figure 1 to register a record-type account ledger in the form of an online account using the real account of the online store as the parent account, the customer ledger is the online It is desirable to store online store ledger information for a store.

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

The account ledger corresponding to the real account of the online store is relationally associated with the customer ledger, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, 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 , At least one or more of the consolidation, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation.The account number, abstention (months), period (days) corresponding to the ledger At least one of: periodic reception information including at least one term extension, an expiration date, and a target amount; and / or an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

According to an embodiment of the present invention, at least one real account corresponding to the online store is relationally associated with the customer ledger of the online store, and at least one of the real accounts of the online store is shown in FIG. It is preferable to correspond to the parent account of the online account corresponding to the record type account registered through the recorded record type account registration system.

Here, among the account ledgers of the online store, the account ledger corresponding to the mother account of the online account corresponding to the recordable account registered through the recordable account registration system shown in FIG. 1 is connected in relation to the recordable account ledger. It is preferable.

The account ledger is characterized by linking the transaction history information that stores the transaction history corresponding to the deposit or withdrawal transaction corresponding to the real account of the online store in a relational relation, the transaction history is applied to the transaction order, date and time, (Or contents), account number, transaction amount and remarks, characterized in that it comprises at least one or more items.

The recordable ledger is connected to the account ledger corresponding to the mother account of the online account corresponding to the recordable account of the at least one financial account corresponding to the online store, the recordable account ledger information The recordable account information including an account number for depositing and withdrawing money corresponding to a financial transaction (or payment) to the recordable account and the recordable account (or a real account associated with the recordable account). In the case of the deposit transaction, the deposit management information and the recordable account (or recordable account) for processing the deposit transaction based on the virtual account information for each deposit path registered through the recordable account registration system shown in FIG. Withdrawal transaction code for the withdrawal transaction code for the withdrawal classification code information registered through the recordable account registration system shown in FIG. And a withdrawal operation information for processing the withdrawal transaction based on the information, and further comprising a mother account number and online store information for linking the recordable account with the real account of the online store. It is characterized by comprising.

In addition, the recorded account ledger includes the payment path information for each payment agency (or payment institution) corresponding to N (N> = 1) payment means registered through the recordable account registration system shown in FIG. It is characterized in that the virtual account information for each payment path made by linking each virtual account number matching one-to-one matching with the deposit path information in a relational manner, the virtual account information for each of the deposit paths in addition to the external ledger D / B It can be stored in a database.

In addition, the record ledger is linked with M (M> 1) withdrawal classification codes registered through the recordable account registration system shown in Figure 1, and each expenditure account information that is matched one-to-one with the withdrawal classification code. It is characterized in that the withdrawal classification code information made by the relational relationship, the withdrawal classification code information may be stored in a separate external database in addition to the ledger D / B.

In addition, the record ledger corresponding to the payment settlement of the online store from the payment agency (or payment institution) for each payment path during the deposit transaction for the recordable account (or the real account associated with the recordable account). When the payment schedule information for the settlement amount is received, the transaction history information including the deposit schedule details made by assigning a predetermined unique number to the deposit schedule information is linked in a relational manner, and corresponds to the deposit schedule information. When the deposit transaction occurs, the transaction history information is characterized by storing the deposit transaction history made by further including the deposit transaction information in the deposit details.

In addition, the record ledger corresponding to the payment settlement of the online store from the payment agency (or payment institution) for each payment path during the deposit transaction for the recordable account (or the real account associated with the recordable account). When the settlement amount is deposited, the transaction history information including the deposit transaction history made by assigning a predetermined unique number to the deposit transaction information is characterized in that it is linked in a relational manner.

In addition, when the withdrawal transaction code for the withdrawal transaction is confirmed in the withdrawal transaction for the recordable account (or the real account associated with the recordable account), the recordable account ledger has a predetermined uniqueness in the withdrawal transaction information. Characterized in that by linking the transaction history information, including the withdrawal transaction history made by assigning a number.

When a unique number is assigned to the transactional information linked to the recordable account ledger, a summary of the transaction information associated with the account ledger corresponding to the real account of the online store linked to the recordable account ledger ( Or a specific) item is recorded in an item, and the real account transaction details and recordable account transaction details are matched in a one-to-one (or one-to-many) manner through the unique number.

3 is a diagram showing the structure of record account ledger information according to another embodiment of the present invention.

In more detail, Figure 3 is a mother account of the real account of the web server operator provided with the online store in the ledger information stored in the predetermined ledger D / B 300 provided in the DBMS on the financial system shown in Figure 1 The structure of the ledger information corresponding to the recorded account ledger in the form of an online account, which is set as follows, and specifically, a preferred method of implementing the recorded account ledger information corresponding to the online store in the open market of a large internet shopping mall. It is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 3 to configure the recorded account ledger information in which the real account of the web server operating institution is the parent account in the ledger D / B. Various information configuration methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to a record type ledger information structure shown in FIG. 3 and use a real account other than the real account of the web server operator as a parent account. Various implementation methods for the composition of the ledger information may be inferred, but the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

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

According to an embodiment of the present invention, the customer ledger for registering a recordable account in the form of an online account having the real account of the web server operating institution as a parent account through the recordable account registration system shown in FIG. It is preferable to store the web server operator institution ledger information for the server operator, and to store the online store customer ledger information corresponding to the recordable account in the form of the online account.

Here, the web server operating institution customer ledger information and the online store customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the online store customer opening the recordable account is a conventional customer of the financial institution. When the customer ledger of the online shop customer is already provided in the ledger D / B 300, the online shop customer ledger preferably uses the customer ledger of the online shop customer as it is.

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

The account ledger corresponding to the real account of the web server operator or the real account of the online store is associated with each customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, last deposit date, last withdrawal amount, final deposit amount At least one or more of the final withdrawal amount, the number of unpaid account transactions, interest rate account accounting, the consolidation status, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic receipt information including at least one of a number, the number of waivers (months), a period (days), an extension, an expiration date, and a target amount, and / or an account number corresponding to the ledger, a deposit amount, and a par value Trust receipt information including at least one amount, pension date and number of shares, and / or account number, transaction number, date, point number, commodity type, transaction type, cash amount, RBI, batch number ( Transaction details including at least one of a batch No.), a compound transaction, a settlement date, an account book line, a summary, and a CIF.

According to an embodiment of the present invention, at least one real account corresponding to the web server operator is relationally associated with the customer ledger of the web server operator, and at least one real account corresponding to the online store is connected to the online store. It is preferably linked to the customer ledger of the store, wherein at least one or more financial accounts of the real accounts of the web server operator correspond to the recordable parent account.

The account ledger corresponding to the online store may relate relationally with transaction information storing transaction details corresponding to a deposit or withdrawal transaction corresponding to a real account of the online store, wherein the transaction details are in a transaction order. , Transaction date and time, application (or content), account number, transaction amount and remarks, characterized in that it comprises at least one or more items.

The recordable ledger is connected to the account ledger corresponding to the mother account of the online account corresponding to the recordable account of the at least one financial account corresponding to the online store, the recordable account ledger information The recordable account information including an account number for depositing and withdrawing money corresponding to a financial transaction (or payment) to the recordable account and the recordable account (or a real account associated with the recordable account). In the case of the deposit transaction, the deposit management information and the recordable account (or recordable account) for processing the deposit transaction based on the virtual account information for each deposit path registered through the recordable account registration system shown in FIG. Withdrawal transaction code for the withdrawal transaction code for the real account associated with the And withdrawal management information to process the withdrawal transaction on the basis of the payment, and further comprising a mother account number and web server operator information for interworking the recordable account with a real account of the web server operator. Characterized in that it comprises a configuration of information made.

In addition, the recorded account ledger includes the payment path information for each payment agency (or payment institution) corresponding to N (N> = 1) payment means registered through the recordable account registration system shown in FIG. It is characterized in that the virtual account information for each payment path made by linking each virtual account number matching one-to-one matching with the deposit path information in a relational manner, the virtual account information for each of the deposit paths in addition to the external ledger D / B It can be stored in a database.

In addition, the record ledger is linked with M (M> 1) withdrawal classification codes registered through the recordable account registration system shown in Figure 1, and each expense account information that is one-to-one matching with the withdrawal classification code. It is characterized in that the withdrawal classification code information made by the relational relationship, the withdrawal classification code information may be stored in a separate external database in addition to the ledger D / B.

In addition, the record ledger corresponding to the payment settlement of the online store from the payment agency (or payment institution) for each payment path during the deposit transaction for the recordable account (or the real account associated with the recordable account). When the payment schedule information for the settlement amount is received, the transaction history information including the deposit schedule details made by assigning a predetermined unique number to the deposit schedule information is linked in a relational manner, and corresponds to the deposit schedule information. When the deposit transaction occurs, the transaction history information is characterized by storing the deposit transaction history made by further including the deposit transaction information in the deposit details.

In addition, the record ledger corresponding to the payment settlement of the online store from the payment agency (or payment institution) for each payment path during the deposit transaction for the recordable account (or the real account associated with the recordable account). When the settlement amount is deposited, the transaction history information including the deposit transaction history made by assigning a predetermined unique number to the deposit transaction information is characterized in that it is linked in a relational manner.

In addition, when the withdrawal transaction code for the withdrawal transaction is confirmed when the withdrawal transaction for the recordable account (or the real account associated with the recordable account) is confirmed, the withdrawal transaction ledger has a predetermined uniqueness in the withdrawal transaction information. Characterized in that by linking the transaction history information, including the withdrawal transaction history made by assigning a number.

When a unique number is assigned to the transactional information linked to the recordable account ledger, a summary of the transaction information associated with the account ledger corresponding to the real account of the online store linked to the recordable account ledger ( Or a specific) item is recorded in an item, and the real account transaction details and recordable account transaction details are matched in a one-to-one (or one-to-many) manner through the unique number.

4 is a diagram illustrating an information providing process for registering (or opening) a recordable account according to an exemplary embodiment of the present invention.

In more detail, in FIG. 4, when the recordable account registration server 100 shown in FIG. 1 provides a predetermined record type account user interface to the terminal device 175, the record is registered by the terminal device 175. Input (or select) predetermined record type account application information through a type account application user interface, and provide the record type account application information to the record type account registration server 100 through a predetermined network means; The process of providing the record-type account application information to the information processing server 140 provided in the financial institution through a predetermined communication means, if one of ordinary skill in the art to which the present invention belongs, 4 and / or modified to provide the recordable account application information from the terminal device 175 to the information processing server 140 through the recordable account registration server 100. Would be able to infer the various exemplary methods, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 4.

For example, in FIG. 4, the terminal apparatus 175 shows only the recordable account application information provided to the recordable account registration server 100. However, the terminal apparatus 175 has the general knowledge in the technical field to which the present invention belongs. In this case, in response to a user interface provided by the recordable account registration server 100 to the terminal device 175, the terminal device 175 provides online account attribute information in addition to the recordable account application information. Although it can be inferred from the present invention, the present invention includes an implementation method for providing the online account attribute information in the terminal device 175, and the present invention is not limited thereto.

In addition, if the person skilled in the art to which the present invention belongs, the record type account corresponding to the security function provided in the communication means for connecting the record type account registration server 100 and the information processing server 140 The registration server 100 encrypts the recordable account application information (or the recordable account application information and the recordable account security information, or the online account attribute information, or the accounting account information), and transmits the encrypted information. In 140, it is possible to infer an implementation method of decrypting the recordable account application information (or the recordable account application information and recordable account security information, or the online account attribute information, or the accounting account information). It includes the above inferred method of implementation, whereby the present invention is not limited.

Referring to FIG. 4, the terminal device 175 illustrated in FIG. 1 connects to the recordable account registration server 100 through a network means including at least one wired communication network (or a wireless communication network) (400). In addition, at least one web-based service provided by the recordable account registration server 100 is used (405), and the web-based service provided by the recordable account registration server 100 to the terminal device 175 at this time. The screen preferably includes a menu interface for requesting a predetermined record type account user interface for registering the record type account.

Accordingly, while the recordable account registration server 100 provides at least one web-based service to the terminal device 175 as described above, the recordable account application user interface is transferred from the terminal device 175 to the recordable account application user interface. It periodically checks whether a predetermined recordable account application user interface for registering an account is requested (410). If the recordable account application interface is requested from the terminal 175 (415), the recordable account registration is performed. The server 100 generates (or extracts from a predetermined web source D / B (not shown)) a predefined record type account user interface to be provided to the terminal device 175 (420), and through the network means. The recordable account application user interface is provided to the mobile terminal (425).

Thereafter, the terminal device 175 inputs (or selects) predetermined record-type account application information through the recordable account application user interface (430), wherein the recordable account application information is requested by the online store customer. Preferably, at least one recordable account selection information for selecting at least one recordable account, agreement agreement information corresponding to the recordable account, and at least one customer information for the recordable account applicant are included.

When the recordable account application information is input (or selected) as described above, the terminal apparatus 175 transmits the recordable account application information to the recordable account registration server 100 through the network means (435). .

Thereafter, the recordable account registration server 100 receives the recordable account application information (or the recordable account application information and recordable account security information, or the online account attribute information, or the accounting account information) and records a predetermined record. The account is stored in the D / B 135 (440).

According to another embodiment of the present invention, the process of storing the recordable account application information in the recordable account D / B 135 is the recordable account registration server 100 (or online store) and the information processing server 140 may be omitted in accordance with the business partnership agreement between (or financial institutions), thereby the present invention is not limited.

Thereafter, the recordable account registration server 100 sends the recordable account application information (or the recordable account application information and recordable account security information, or an online account) to the information processing server 140 through a predetermined communication means. Attribute information, or accounting account information) (445), and the information processing server 140 transmits the recordable account application information (or the recordable type) provided from the recordable account registration server 100 through the communication means. Account information and recordable account security information, or online account attribute information, or accounting account information);

5 is a diagram illustrating an information providing process for registering (or opening) a recordable account according to another exemplary embodiment of the present invention.

In more detail, in FIG. 5, when the recordable account registration server 100 shown in FIG. 1 provides a predetermined record type account application user interface to the terminal device 175, the record is registered by the terminal device 175. Through the type account application user interface, input (or select) and encrypt predetermined record type account application information and provide the record type account registration server 100 to the record type account registration server 100 through a predetermined network. The process of decoding the recordable account application information in 100) and providing the recordable account application information to the information processing server 140 provided in the financial institution through a predetermined communication means, Those skilled in the art may refer to and / or modify the drawing 5 and the information destination through the recordable account registration server 100 in the terminal device 175. Although various implementation methods for providing the recordable account application information to the server 140 may be inferred, the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG. No.

For example, in FIG. 5, the terminal apparatus 175 is illustrated to provide only the recordable account application information to the recordable account registration server 100. However, the terminal apparatus 175 has general knowledge in the technical field to which the present invention pertains. In this case, in response to a user interface provided by the recordable account registration server 100 to the terminal device 175, the terminal device 175 provides online account attribute information in addition to the recordable account application information. Although it can be inferred from the present invention, the present invention includes an implementation method for providing the online account attribute information in the terminal device 175, and the present invention is not limited thereto.

In addition, if those skilled in the art to which the present invention belongs, the record-type account corresponding to the security function provided in the communication means for connecting the record-type account registration server 100 and the information processing server 140 The registered server 100 encrypts and transmits the recordable account application information (or the recordable account application information and recordable account security information, or online account attribute information, or accounting account information), and the information processing server 140. ) May deduce the method of decrypting the recordable account application information (or the recordable account application information and the recordable account security information, or the online account attribute information, or the accounting information). It includes the method of inference, by which the present invention is not limited.

Referring to FIG. 5, the terminal device 175 shown in FIG. 1 connects to the recordable account registration server 100 through a network means including at least one wired communication network (or a wireless communication network) (500). In addition, at least one web-based service provided by the recordable account registration server 100 is used (505), at which time, the web-based service provided by the recordable account registration server 100 to the terminal device 175 is provided. The screen preferably includes a menu interface for requesting a predetermined record type account user interface for registering the record type account.

Accordingly, while the recordable account registration server 100 provides at least one web-based service to the terminal device 175 as described above, the recordable account application user interface is transferred from the terminal device 175 to the recordable account application user interface. It periodically checks whether a prescribed recordable account application user interface for registering an account is requested (510). If the recordable account application interface is requested from the terminal device 175 (515), the recordable account registration is performed. The server 100 generates (or extracts from a predetermined web source D / B (not shown)) a predetermined record type account user interface equipped with a predetermined security function (520), and records the data through the network means. The account application user interface is provided to the mobile terminal (525).

Here, the security function provided in the recordable account application user interface includes a function of encrypting recordable account application information input (or selected) by the terminal apparatus 175 by a predetermined encryption method and / or the recordable account. It comprises at least one function of attaching the electronic signature of the online store customer to the application information, preferably in the form of a security program linked to the recordable account application user interface, wherein the security program is the record It is preferable to have at least one encryption key for encrypting the type account application information.

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

Thereafter, the terminal device 175 inputs (or selects) predetermined record type account application information through the record type account application user interface (530), and the record type account application information is requested by the online store customer. Preferably, at least one recordable account selection information for selecting at least one recordable account, agreement agreement information corresponding to the recordable account, and at least one customer information for the recordable account applicant are included.

When the recordable account application information is input (or selected) as described above, the terminal apparatus 175 uses the security function provided in the recordable account application user interface to convert the recordable account application information according to a predetermined encryption method. Encrypt (and / or attach the electronic signature of the online store customer to the recordable account application information) (535), and record the encrypted recordable account application information through the network means to the recordable account registration server 100; (540).

The recordable account registration server 100 which has received the encrypted recordable account application information through the network means decrypts the recordable account application information by a decryption method corresponding to the encryption method (545), and the decryption. Stored recordable account application information (or the recordable account application information and recordable account security information, or online account attribute information, or accounting account information) is stored in a predetermined recordable account D / B 135 (540). .

According to another embodiment of the present invention, the process of storing the recordable account application information in the recordable account D / B 135 is the recordable account registration server 100 (or online store) and the information processing server 140 may be omitted in accordance with the business partnership agreement between (or financial institutions), thereby the present invention is not limited.

Thereafter, the recordable account registration server 100 sends the recordable account application information (or the recordable account application information and recordable account security information, or an online account) to the information processing server 140 through a predetermined communication means. Attribute information, or accounting account information) (545), and the information processing server 140 transmits the recordable account application information (or the recordable type) provided from the recordable account registration server 100 through the communication means. Account registration information, recordable account security information, or online account attribute information, or accounting account information);

6 is a diagram illustrating a process of processing a recordable account into an online account according to an embodiment of the present invention.

In more detail, in FIG. 6, the information processing server 140 shown in FIG. 1 opens a predetermined record type account based on the record type account application information provided from the record type account registration server 100, and records the record. A process of processing a type account as an online account using a real account operated in the online store as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. Based on the recordable account application information provided to the information processing server 140 shown in FIG. 1, various implementation methods for processing a recordable account as an online account using a real account operated in the online store as a parent account can be inferred. As will be appreciated, the present invention includes all the various implementations deduced above, and the present invention is not limited thereto.

For example, in FIG. 6, only the recordable account application information is provided from the recordable account registration server 100 to the information processing server 140. However, the present invention has ordinary skill in the art. If one grows up, it is possible to infer an implementation method in which online account attribute information and the like is provided to the information processing server 140 in addition to the recordable account application information. However, the present invention provides the information processing server 140 with the online account attribute. It includes an implementation method in which further information is provided, whereby the present invention is not limited.

Hereinafter, in FIG. 6, the information processing server 140 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 6, through the process shown in FIG. 4 and / or FIG. 5, the recordable account application information (or the recording) is recorded from the recordable account registration server 100 shown in FIG. 1 to the server. When the type account application information and the record account security information, or the online account attribute information, or the account information, the server receives the recordable account application information (or the recordable account application information and recordable account security information, Or online account attribute information or accounting account information) to determine whether the recordable account can be opened (600).

If it is not possible to open the recordable account based on the recordable account application information (605), the server generates the account open error information and provides the recordable account registration server 100 (610), The recordable account registration server 100 transmits the account opening error information to the terminal device 175 through a predetermined network means (615).

On the other hand, if it is possible to open the recordable account based on the recordable account application information (605), the server links the finance system with a predetermined recordable account corresponding to the recordable account application information. In operation 620, the recordable account is processed into an online account in which the real account operated in the online store is the parent account in connection with the financial system.

When the recordable account is processed as an online account using a real account operated in the online store, the server sends N (N> = 1) particle paths in which a settlement amount corresponding to payment of the online store is deposited. N (N> = 1) virtual account numbers matching the information one-to-one are allocated to the recordable account (630), and the N (N> = 1) deposit path information and the assigned N (N> = 1 In step 635, virtual account information for each deposit path is generated by linking the virtual account numbers for each of the deposit paths, and the virtual account information for each of the deposit paths is stored in association with the record type ledger (640).

In addition, the server reads the received accounting account information, the expenditure account of the accounting information (e.g., the expenditure item of the online store) during the withdrawal transaction of the recordable account (e.g., the real account associated with the recordable account). Generate M (M> 1) withdrawal classification codes corresponding to C) (645), and generate withdrawal classification code information formed by linking the generated M (M> 1) withdrawal classification codes with respective expenditure account information. In operation 650, the withdrawal classification code information is stored in association with the record type ledger (655).

Subsequently, when the server is processed as an online account whose parent account is a real account operated by the online store, the server records the recordable account information as the recordable account registration server 100 shown in FIG. In step 660, the recordable account registration server 100 further stores the recordable account information in the recordable account issuing information stored in the recordable account D / B 135. (665).

7 is a diagram showing the configuration of a recordable account management system for storing the details of the deposit in the record type ledger in order to automatically generate the accounting data related to the deposit of the online store according to an embodiment of the present invention.

In more detail, Figure 7 is shown in Figure 1 on the payment agency server 730 (or payment institution server 735) corresponding to the payment path for each payment method corresponding to the payment after the payment processing of the online store. When the payment schedule information for the settlement amount corresponding to the payment of the online store is transmitted through the virtual account number for each payment path assigned to the record type account through the recorded record type account registration system, the record type account management system In the recordable account management server 700 provided in the system for generating a deposit schedule details assigned a predetermined unique number to the received payment schedule information stored in the transaction history information associated with the account ledger Specifically, the recordable account ledger registered through the recordable account registration system shown in FIG. 1 is recorded in the recordable system shown in FIG. When including a director configuration, showing the embodiment method for storing the payment schedule history including the payment schedule information and unique number in the transaction history information associated with the write-account ledger.

Those skilled in the art to which the present invention pertains, records which store the details of the deposits to be recorded in the recorded account ledger for automatically generating the accounting data of the online store by referring to and / or modifying the drawing 7. Various implementation methods for the type account management system configuration can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to, and / or modify, the recordable account ledger shown in FIG. 3 in addition to the recordable account ledger shown in FIG. Or another recordable account ledger omitted for convenience in the present invention) may be inferred a method of storing the deposit scheduled details including the deposit scheduled information and the unique number in the transaction history information associated with the recordable ledger. It is apparent that the present invention includes all the methods of inferring the above.

In addition, in FIG. 7, for convenience, the virtual account information for each deposit path is shown as being relationally linked to the recordable ledger as shown in FIG. 2, but the virtual account information for the deposit path is according to the intention of the skilled person. It is evident that it is possible to be included in or in an external database associated with the recordable ledger, thereby limiting the invention.

Referring to FIG. 7, the recordable account management system for storing the deposit details in the recordable ledger for automatically generating the accounting data of the online store, after the payment settlement of the online store, through the communication network A payment agency server 730 (or a payment institution server 735) corresponding to at least one payment path for each payment method that transmits the payment schedule information for the settlement amount corresponding to the payment; and the record shown in FIG. A financial system having an account ledger, and the payment agency server 730 (or payment institution server 735) is connected through a communication network, and is connected to the financial system and a financial network (e.g. From the payment agency server 730 (or payment institution server 735) for each payment path, the virtual account number corresponding to the corresponding payment path, the customer payment method information and payment date information and Receive the payment schedule information including at least one or more information about the scheduled amount of money and the date and time of deposit information, and generates a deposit schedule details of assigning a predetermined number to the deposit information, and in connection with the financial system It is characterized in that it comprises a recordable account management server 700 for storing the details of the deposit details in the transaction history information associated with the recordable account ledger.

In FIG. 7, the recordable account management server 700 is configured as one server for convenience. However, the present invention is not limited thereto, and the recordable account management server 700 is classified according to a functional configuration (or means). It should be clear that it can be implemented through multiple servers (or devices).

In addition, a detailed description of the configuration of the financial system having the recordable ledger is referred to the contents shown in FIG. 2, and the detailed description of the financial system is omitted for convenience of the present invention.

When payment of the online store is made through at least one payment agency, the payment agency server 730 includes a payment processing server provided at a payment agency corresponding to at least one payment means provided in the online store. Characterized in that made.

If the payment made through the payment agency includes a post-payment payment process such as credit card payment (or escrow-based virtual account payment), the payment agency server 730 after the payment is approved, the communication network After calculating the settlement amount corresponding to the credit card payment (or escrow-based virtual account settlement) approval to the recordable account management server 700, and processing the calculated settlement amount as the deposit expected amount, through the communication network The deposit account information including at least one of a virtual account number corresponding to the payment agency (or a payment path), customer payment means information, payment date information, payment amount information, and payment date and time information; Characterized in that the transmission to the operation server 700.

If the payment of the online store is made directly through a payment institution (eg, a card company, a financial company, etc.) corresponding to at least one or more payment means included in the online store, the payment institution server 735 may be connected to the online store. Characterized in that it comprises a payment processing server provided in the payment institution corresponding to the at least one or more payment means provided.

If the payment made through the payment institution is a post-payment payment process such as credit card payment (or escrow-based virtual account payment), the payment institution server 735 is approved through the communication network after the payment is approved. After calculating the settlement amount corresponding to the credit card payment (or escrow-based virtual account settlement) authorization with the recordable account management server 700, and process the calculated settlement amount as the deposit expected amount, the payment through the communication network The deposit account information server including at least one virtual account number corresponding to the agency (or corresponding to the deposit path), customer payment method information, payment date information, payment amount information, and payment date and time information; It characterized in that the transmission to (700).

Referring to FIG. 7, the recordable account management server 700 is configured to receive payment schedule information from at least one payment agency server 730 (or payment institution server 735) for each payment path through a communication network. And an interface unit 705 for connecting and managing channels.

The interface unit 705 connects a communication channel for receiving the payment schedule information according to a communication protocol corresponding to each payment agency server 730 (or payment institution server 735) for each payment path through the communication network. And managing, wherein the communication protocol structure comprises at least one of a virtual account number field, a customer payment means information field, a payment date information field, a payment due amount information field, and a payment due date information field. .

Referring to FIG. 7, the recordable account management server 700 is connected to the interface unit 705 to deposit money from at least one payment route server 730 (or payment institution server 735) for each payment path. An information receiving unit 710 (or information receiving means) for receiving deposit scheduled information including at least one virtual account number corresponding to a route, customer payment means information, payment date information, payment amount information, and payment date and time information; And an information verification unit 715 (or information verification means) for confirming a deposit path corresponding to the virtual account number included in the deposit scheduled information in association with the financial system, and a unique number corresponding to the confirmed deposit path. A unique number allocating unit 720 (or a unique number allocating means) and a deposit schedule detail including the unique number in the deposit scheduled information and linking with the financial system The deposit schedule details storage unit 725 (or deposit schedule details storage means) for storing the generated deposit schedule details in the transaction history information associated with the account ledger.

After the communication channel is connected to at least one payment agency server 730 (or payment institution server 735) for each payment path through the interface unit 705, the payment agency server 730 (or payment institution server 735). When the payment information corresponding to the post-payment type payment settlement of the online store is transmitted from)), the information receiving unit 710 is connected to the interface unit 705 and at least one payment path server for each payment path 730. (Or the payment institution server 735) receiving payment schedule information including at least one of a virtual account number corresponding to the deposit path, customer payment means information, payment date information, payment amount information, and the scheduled payment date information; It is characterized by.

Here, the virtual account number corresponding to the deposit path is a virtual account assigned to each payment agency server 730 (or payment institution server 735) for each deposit path through the recordable account registration system shown in FIG. It is preferable to include a number.

The customer payment means information, credit card payment means information (or escrow-based virtual) that is processed in a post-payment through the payment agency server 730 (or payment institution server 735) corresponding to the payment path in the online store Account payment means information) preferably comprises at least one.

The payment date and time information may include at least one or more date and time information (or payment approval date and time information for the payment) requested by the online store through the customer payment means.

Preferably, the deposit amount amount information includes a settlement amount corresponding to the payment according to a post-payment type settlement process corresponding to the customer payment means.

The deposit scheduled date and time information is a date and time information for which a settlement amount corresponding to the payment is deposited into the recordable account (or a real account associated with the recordable account) according to a post-payment type payment process corresponding to the customer payment means. It is preferable to comprise a.

According to an exemplary embodiment of the present invention, when the customer payment means includes the credit card payment means, the deposit date and time information is preferably made after the purchase date for the credit card payment has been processed to include the date and time information. .

According to another exemplary embodiment of the present invention, when the customer payment means includes the escrow-based virtual account payment means, the deposit scheduled date and time information may include date and time information after the escrow period has elapsed.

When the deposit schedule information is received from the payment agency server 730 (or the payment institution server 735) for each payment path through the information receiving unit 710, the information checking unit 715 is a virtual account for each payment path. In connection with the financial system that stores the information characterized in that the deposit path corresponding to the virtual account number included in the information to be deposited.

According to another embodiment of the present invention, if the unique number is not assigned corresponding to the deposit path, the information confirming unit 715 may omit checking the deposit path, and the present invention is not limited thereto. No.

The unique number assignment unit 720 is characterized by assigning a unique number that is not duplicated on the transaction history of the record-type account for the deposit information.

Here, it is preferable that the unique number satisfies a condition (eg, a field size) that can be recorded in a brief (or content) item of a transaction item of a real account associated with the recordable account.

When a unique number is assigned to the deposit schedule information, the deposit schedule details storage unit 725 generates a deposit schedule details including the unique number in the deposit schedule information. It is characterized in that the one-to-one matching of each deposit scheduled information item and unique number item included in the generated deposit details will be stored in one-to-one correspondence with each information item and unique number item corresponding to the transaction history associated with the recordable ledger. .

Transaction history information associated with the record-type account ledger for storing the deposit details are basically made of the unique number item, the virtual account number item, the estimated amount of payment information, and the scheduled date and time information item. It is characterized in that, it is preferable that the customer payment means information item and payment date and time information item further comprises at least one according to the intention of the skilled person.

FIG. 8 is a diagram illustrating a process of storing deposit details in a record type ledger to automatically generate deposit related accounting data of an online store according to an exemplary embodiment of the present invention.

More specifically, FIG. 8 is shown in FIG. 1 on the payment agency server 730 (or payment institution server 735) corresponding to the payment path for each payment method corresponding to the payment after the payment processing of the online store. When the payment schedule information for the settlement amount corresponding to the payment of the online store is transmitted through the virtual account number for each payment path assigned to the record type account through the recorded record type account registration system, the deposit shown in FIG. In the recordable account management server 700 provided on the system for storing the scheduled details, the transaction details associated with the recordable account ledger are generated by generating a deposit schedule detailing a predetermined number assigned to the received deposit information. Regarding the process of storing the information, the person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to the on-line. In order to automatically generate deposit-related accounting data, various implementation methods may be inferred for the process of storing the details of the deposit in the account book, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the payment agency server 730 (or the payment institution server 735) for each payment path on the system for storing the details of the deposit expected in FIG. Type account management server 700 is referred to as a "server" for convenience.

Referring to FIG. 8, after the payment processing of the online store, the depositing side server corresponding to the payment path for each payment method corresponding to the payment settlement, in response to a post-payment settlement approval, records the account shown in FIG. Generate deposit information including at least one virtual account number for each payment path, customer payment method information, payment date information, payment amount information and scheduled payment date information through the registration system (x00); In step S05, when the generated transfer schedule information is transmitted through a communication network, the server receives the transfer schedule information transmitted from the deposit side server through the communication network (x05).

The server receiving the deposit scheduled information checks the deposit path information corresponding to the deposit scheduled information in association with the financial system (x10).

If the deposit path information is not confirmed (x15), the server generates unidentified deposit path information corresponding to the deposit scheduled information and registers the deposit account information for each deposit path associated with the recorded account ledger (x20). In operation 25, a unique number that is not duplicated is assigned to the deposit scheduled information.

On the other hand, if the payment path information is not confirmed (x15), the server allocates the unique unique number that is not duplicated corresponding to the confirmed payment path information to the deposit scheduled information (x25).

Here, it is preferable that the unique number satisfies a condition (eg, a field size) that can be recorded in a brief (or content) item of a transaction item of a real account associated with the recordable account.

Thereafter, the server generates a deposit schedule details including the unique number and the deposit path information (x30), and stores the deposit schedule details in the transaction history information associated with the record-type account ledger in connection with the financial system. (x35).

Transaction history information associated with the record-type account ledger for storing the deposit details are basically made of the unique number item, the virtual account number item, the estimated amount of payment information, and the scheduled date and time information item. It is characterized in that, it is preferable that the customer payment means information item and payment date and time information item further comprises at least one according to the intention of the skilled person.

9 is a diagram showing the configuration of a recordable account management system for automatically generating accounting data related to deposits in an online store according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a virtual account number for each payment path, customer payment means information, payment date and time information, and transaction information associated with the recordable ledger through a system for storing the details of the deposit schedule shown in FIG. After the deposit schedule information including at least one of the deposit scheduled amount information and the scheduled date and time information and the deposit schedule details including the unique number is stored, the deposit from the payment agency server 930 (or payment institution server 935) When the settlement amount corresponding to the deposit scheduled amount is received through the virtual account number for each path, the deposit corresponding to the virtual account number for each deposit path is recorded in the recordable account management server 900 provided on the recordable account management system. In the deposit transaction made by confirming the scheduled details and adding the deposit transaction information corresponding to the deposit transaction to the deposit scheduled details. Store the transaction in the transaction history information associated with the record-type account ledger, and store the unique number included in the deposit transaction history in the summary (or content) item of the transaction history item of the real account associated with the record-type account; As a system configuration, specifically, when the recordable account ledger registered through the recordable account registration system shown in FIG. 1 includes the recordable account ledger shown in FIG. Store the deposit transaction history including the unique number in the associated transaction history information, and the unique number included in the deposit transaction history is a summary (or content) item among the transaction history items of the real account associated with the recordable account. It shows an implementation method for processing the transaction history of the record-type account and the transaction history of the real account by storing in.

Those skilled in the art to which the present invention pertains, various implementation methods for the configuration of the record-type account management system for automatically generating the accounting data related to depositing the online store by referring to and / or modifying the figure 9 It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, those skilled in the art to which the present invention pertains may refer to, and / or modify, the recordable account ledger shown in FIG. 3 in addition to the recordable account ledger shown in FIG. Or another recordable account ledger omitted for convenience in the present invention) may be inferred a method for storing the deposit transaction information including the deposit transaction information and a unique number in the transaction history information associated with the recordable account ledger. It is apparent that the present invention includes all the methods of inferring the above.

In addition, in FIG. 9, for convenience, the virtual account information for each deposit path is shown as being relationally linked to the recordable ledger as shown in FIG. 2, but the virtual account information for the deposit path is according to the intention of the skilled person. It is evident that it is possible to be included in or in an external database associated with the recordable ledger, thereby limiting the invention.

Referring to FIG. 9, a recordable account management system for automatically generating deposit related accounting data of the online store is a transaction associated with the recordable account ledger through a system for storing deposit details of the deposit shown in FIG. 7. After the deposit details including the virtual account number, the customer payment method information, the payment date information, the deposit payment amount information, the scheduled payment date information and the scheduled payment date information and the unique number are stored in the details information, Payment agency server 930 for depositing through the virtual account number for each of the deposit paths through the financial network (or financial joint network) the settlement amount corresponding to the deposit expected amount included in the details of the deposit schedule shown in FIG. Or a payment institution server 935, a financial system having a recordable ledger shown in FIG. 2, and the payment agency server 930 (also When the settlement amount corresponding to the deposit scheduled amount is received from the payment institution server 935 through the virtual account number for each deposit path, the deposit details corresponding to the virtual account number for each deposit path are linked to the financial system. Confirming and adding deposit transaction information corresponding to the deposit transaction to the deposit schedule details in transaction details associated with the record ledger and storing the unique number included in the deposit transaction details. It characterized in that it comprises a recordable account management server 900 for storing in the brief (or content) items of the transaction history items of the real account associated with the recordable account.

In FIG. 9, the recordable account management server 900 is configured as one server for convenience. However, the present invention is not limited thereto, and the recordable account management server 900 may be configured according to a functional configuration (or means). It should be clear that it can be implemented through multiple servers (or devices).

In addition, a detailed description of the configuration of the financial system having the recordable ledger is referred to the contents shown in FIG. 2, and the detailed description of the financial system is omitted in this figure for convenience.

When the payment of the online store is made through at least one payment agency, the payment agency server 930 is a financial institution in which the recordable account is opened in response to a post-payment process of the payment means corresponding to the payment. A financial network including face-to-face and non-face-to-face financial transaction means, or a financial common network including face-to-face and non-face-to-face financial transaction means provided to other financial institutions other than the financial institution where the recordable account is opened. It is characterized in that through the virtual account number for each deposit path to the settlement amount corresponding to the deposit scheduled amount included in the deposit schedule details shown in FIG.

When the payment of the online store is directly made through a payment institution (eg, a card company, a financial company, etc.) corresponding to at least one or more payment means included in the online store, the payment institution server 935 corresponds to the payment settlement. A financial network including face-to-face / non-face-to-face financial transaction means provided in a financial institution having the recordable account opened in response to a post-settlement process of a payment means; Through the financial common network including face-to-face and non-face-to-face financial transaction means provided to the institution, the settlement amount corresponding to the deposit expected amount included in the deposit expected details shown in FIG. It is characterized in that the deposit processing through.

Referring to FIG. 9, the recordable account management server 900 may be connected to a financial network (or payment institution server 935) by at least one payment path server 930 (or payment institution server 935) in connection with the financial system. A deposit transaction confirmation unit 905 (or depositing) to confirm whether the settlement amount corresponding to the deposit amount to be included in the deposit schedule details shown in FIG. 7 is deposited through the virtual account number for each of the deposit paths; Transaction confirmation means) and an information confirmation unit 910 (or information confirmation means) for confirming the deposit transaction information including the virtual account number, the deposit date and time information and the deposit amount information corresponding to the deposit transaction when confirming the deposit transaction; And a deposit schedule confirmation check unit 915 (or deposit) for confirming a deposit schedule corresponding to the deposit transaction information from the transaction history information associated with the record type ledger in association with the financial system. Deposit transaction history storage unit 920 for storing deposit transaction details made by adding the deposit transaction information to the confirmed deposit schedule details and transaction details information associated with the ledger; Or deposit transaction history storage means), and the amount of money deposited through the virtual account number for each of the deposit paths when the funds are transferred to the real account associated with the recordable account, the item of the transaction history of the real account (or contents) item It characterized in that it comprises a transaction history storage unit 925 (or transaction history storage means) for recording the unique number assigned to the deposit transaction history.

The deposit transaction confirmation unit 905 is linked with a financial system for storing the record type ledger (or account ledger corresponding to the real account associated with the record type account through the unique number assigned to the deposit due details). Corresponding to the deposit due amount included in the details of the deposit schedule shown in FIG. 7 through a financial network (or a financial common network) from at least one payment agency server 930 (or payment institution server 935) for each payment path It is characterized in that the settlement amount to be deposited through the virtual account number for each of the deposit path.

If it is confirmed that the settlement amount corresponding to the amount of the deposit is due to be deposited through the virtual account number for each of the deposit paths, the information checking unit 910 provides the virtual account number and the deposit date information corresponding to the deposit transaction. And confirm the deposit transaction information including the deposit amount information.

Here, the deposit transaction information preferably comprises at least one or more pieces of information that match the details of the deposit scheduled in the financial system according to the intention of the skilled person, and the present invention is not limited thereto.

When the deposit transaction information is confirmed, the deposit schedule details checking unit 915 is linked with the financial system based on the virtual account number, the deposit date information and the deposit amount information included in the deposit transaction information ledger of the record type account ledger Among the payment schedule details stored in the transaction history information associated with the deposit transaction details matching the deposit transaction information is characterized in that it is confirmed.

According to the implementation method of the present invention, the deposit schedule history check unit 915 includes a virtual account number included in the confirmed deposit transaction details of the deposit schedule details stored in the transaction history information associated with the record-type account ledger Confirm the deposit details, or confirm the deposit details including the deposit date and time information matching the deposit date and time information included in the confirmed deposit transaction history, or the deposit amount information included in the confirmed deposit transaction history It is preferable to check the details of the deposit schedule corresponding to the deposit transaction information by performing at least one or more steps of checking the details of the deposit schedule including the amount of the deposit scheduled to match.

When the deposit schedule details matched with the deposit transaction information is confirmed, the deposit transaction history storage unit 920 links the deposit transaction details made by adding the deposit transaction information to the confirmed deposit schedule details with the record type ledger. Characterized in that the transaction is stored in the transaction history information, the deposit transaction history comprises a unique number assigned to the deposit details.

When the amount of money deposited through the virtual account number for each of the deposit paths is transferred to the real account associated with the recordable account, the transaction history storage unit 925 is linked to the financial system and is included in the transaction history items of the real account. A unique number assigned to the deposit transaction is recorded in a brief (or content) item, and the transaction of the recordable account and the transaction of the real account are one-to-one (or one-to-one) through the unique number. In a matched manner.

FIG. 10 is a diagram illustrating a process of storing a deposit transaction in a record type ledger to automatically generate deposit related accounting data of an online store according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, a system for storing the details of deposits shown in FIG. 7 includes a predetermined unique number in transaction information associated with the record type ledger through the process of storing the details of deposits shown in FIG. After storing the deposit details including the payment information, and the deposit information, the virtual by the deposit route from the payment agency server 930 (or payment institution server 935) through the recordable account management system shown in FIG. When a settlement amount corresponding to the deposit scheduled amount is received through an account number, the deposit schedule details corresponding to the virtual account number for each deposit path are recorded in the recordable account management server 900 provided on the recordable account management system. And depositing transaction details made by adding the deposit transaction information corresponding to the deposit transaction to the deposit transaction details and the recorded account ledger. The present invention relates to a process of storing information stored in linked transaction details, and storing a unique number included in the deposit transaction details in a brief (or content) item among transaction details of a real account associated with the recordable account. Those of ordinary skill in the art may refer to and / or modify this drawing 10 to provide a variety of procedures for storing deposit details in a recordable ledger to automatically generate deposit related accounting data for the online store. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

In the following figure 10, the recordable account management server 900 on the recordable account management system shown in FIG. 9 is referred to as " server "

Referring to FIG. 10, a system for storing deposit details shown in FIG. 7 includes a predetermined unique number in transaction details information associated with the record type ledger through the process of storing deposit details shown in FIG. 8. After storing the deposit details including the deposit information, the server is connected to the financial system from the payment agency server 930 (or payment institution server 935) by the at least one payment path in connection with the financial system (or financial The common network) checks whether the settlement amount corresponding to the deposit amount to be included in the deposit schedule details shown in FIG. 7 is deposited through the virtual account number for each of the deposit paths (1000).

If it is confirmed that the settlement amount corresponding to the amount of the deposit is to be deposited through the virtual account number for each of the deposit paths (1005), the server is linked with the financial system and the virtual account number corresponding to the deposit transaction. And check the deposit transaction information, including the deposit date information and the deposit amount information (1010).

Here, the deposit transaction information preferably comprises at least one or more pieces of information that match the details of the deposit scheduled in the financial system according to the intention of the skilled person, and the present invention is not limited thereto.

If the deposit transaction information corresponding to the confirmed deposit transaction is confirmed (1015), the server is connected with the financial system based on the virtual account number, the deposit date information and the deposit amount information included in the deposit transaction information. The deposit schedule details matching the deposit transaction information among the deposit schedule details stored in the transaction history information associated with the record type ledger are checked (1020).

According to the method of the present invention, the server checks the details of the deposit schedule including the virtual account number included in the confirmed deposit transaction history of the deposit scheduled details stored in the transaction history information associated with the record-type account ledger, Or confirm the deposit schedule details including the deposit scheduled date and time information matched with the deposit date and time information included in the confirmed deposit transaction history, or the deposit amount to be matched with the deposit amount information included in the confirmed deposit transaction history. By performing at least one or more steps of checking the details of the deposit schedule, it is preferable to check the details of the deposit schedule matching the deposit transaction information.

If the scheduled payment details matched with the deposit transaction information are not confirmed (1025), the server allocates a unique number which is not duplicated to the confirmed deposit transaction information in association with the financial system to associate with the record type ledger. Stored in the transaction history information (1030).

On the other hand, if the deposit schedule details matched with the deposit transaction information is confirmed (1025), the server adds the deposit transaction information to the confirmed deposit schedule details transaction details associated with the record account ledger Store the information (1035).

Thereafter, the server checks whether the money corresponding to the deposit amount is transferred to the real account associated with the recordable account in connection with the financial system (1040).

If the check result confirms that the money corresponding to the deposit amount is transferred to the real account associated with the recordable account (1045), the server connects with the financial system to make a summary of the transaction details of the real account. The unique number assigned to the deposit transaction history of the recordable account is recorded in the (or the content) item (1050).

11 is a diagram showing the configuration of a record-type account loan system for a deposit security amount secured loan according to an embodiment of the present invention.

In more detail, in FIG. 11, after at least one deposit schedule including the unique number is stored in transaction history information associated with the record-type ledger through a system for storing the deposit schedule details shown in FIG. 7, Through the recordable account management system shown in FIG. 9, before the deposit transaction history including the unique number is stored in the transaction history information associated with the recordable account ledger, As a system configuration for performing short-term mortgage loan by setting as collateral, specifically, the recordable account ledger registered through the recordable account registration system shown in FIG. If included, the loan application requested from the online store terminal based on the record ledger It illustrates an exemplary 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 construction of a recordable account loan system for the deposit amount secured loan. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11, in addition to the recordable ledger shown in FIG. 2, in addition to the recordable ledger shown in FIG. (Or other recordable account ledger omitted for convenience in the present invention) may be inferred the implementation method for processing the loan application requested from the online store terminal, but the present invention includes all the implementation methods inferred It is clear that this is done.

In addition, although FIG. 11 illustrates the security loan processing for the amount of the deposit due for convenience through a financial institution in which the recordable account is opened, the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying FIG. 11, it will be possible to infer an implementation method in which the loan processing is carried out through a third party lender in addition to the financial institution, and it is evident that the present invention includes all the inferred implementation methods. It is to be revealed.

Referring to FIG. 11, the recordable account loan system for the deposit amount secured loan is based on the transaction information associated with the recordable account ledger through a system for storing the deposit expected details shown in FIG. 7. After the deposit details including the number is stored, an online store terminal for applying for a security loan for the deposit amount included in the deposit details, a financial system having a record type ledger shown in FIG. When the loan amount is expected to be secured from the online store terminal, a record-type account for confirming the deposit amount to be deposited at the time of the loan application in connection with the financial system and setting a portion of the deposit amount to be collateral to make a loan It is characterized by comprising an operation server.

In FIG. 11, the recordable account management server is shown as one server for convenience. However, the present invention is not limited thereto, and the recordable account management server includes a plurality of servers (or apparatuses) for each functional configuration (or means). In this case, a plurality of servers (or devices) may be provided at different institutions (for example, a financial institution having a recordable account and a lender performing the deposit security loan). Is to be made clear.

In addition, a detailed description of the configuration of the financial system having the record-type ledger refers to the contents shown in FIG. 2, and the detailed description of the financial system in this figure 11 will be omitted for convenience.

Referring to Figure 11, the recordable account management server, at least one or more including the unique number in the transaction history information associated with the record-type account ledger through a system for storing the deposit due details shown in Figure 7 After the deposit details are stored, through the predetermined communication network to connect and manage a communication channel for transmitting and receiving loan application information for applying for a security loan for a portion of the deposit amount included in the deposit details from the online store terminal It is characterized by comprising an interface unit.

According to an embodiment of the present invention, if the online store terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit communicates with the online store terminal based on a protocol stack defined in the wired communication network. Connect the channels and store the transaction details stored in the transaction history information associated with the wired terminal and the recorded account ledger using the communication protocol defined in the browser program provided in the online store terminal. It is desirable to provide a communication interface for transmitting and receiving loan application information for the at least one or more payment amount included.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the online store terminal, the interface unit connects a communication channel with the online store terminal based on the TCP / IP protocol, and the browser For the purpose of exchanging loan application information for at least one deposit amount included in the stored deposit details including each unique number in the transaction history information associated with the record ledger using the HTPP protocol defined in the program. It provides a communication interface for transmitting and receiving certain web pages (e.g., Hyper-Text Markup Language (HTML) compatible web pages) and / or information (or data).

Alternatively, when the online store terminal is provided with a financial transaction program using a recordable account directly interworking with the recordable account management server, the interface unit connects a communication channel with the online store terminal based on the TCP / IP protocol. And at least one deposit scheduled to be included in a stored deposit schedule including each unique number in transaction history information associated with the record ledger using a communication protocol defined in a financial transaction program using the recordable account. It provides a communication interface for transmitting and receiving loan application information about the amount.

According to another exemplary embodiment of the present invention, when the online store terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit communicates with the online store terminal based on a protocol stack defined in the wireless communication network. At least one included in the deposit details stored in the transaction history information including each unique number in the transaction history information associated with the record type ledger using a communication protocol defined in a browser program included in the online store terminal It is desirable to provide a communication interface for transmitting and receiving loan application information for the above-mentioned deposit amount.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or Mobile Explorer (ME) protocol is provided in the online store terminal, the interface unit communicates with the online store terminal based on the CDMA / WCDMA protocol. To the at least one deposit amount included in the stored deposit details including each unique number in the transaction history information associated with the recorded account ledger using the WAP / ME protocol defined in the browser program. Provides an interface for transmitting and receiving predetermined web pages (e.g., Wireless Markup Language (WML) compliant web pages, or HTML compliant web pages) and / or information (or data) for exchanging information.

Alternatively, when the online store terminal is provided with a financial transaction program using a recordable account directly interworking with the recordable account management server, the interface unit connects a communication channel with the online store terminal based on the CDMA / WCDMA protocol. And at least one deposit scheduled to be included in a stored deposit schedule including each unique number in transaction history information associated with the record ledger using a communication protocol defined in a financial transaction program using the recordable account. It provides a communication interface for transmitting and receiving loan application information about the amount.

Referring to FIG. 11, in the recordable account management server, a predetermined online store terminal connects a predetermined communication channel with the recordable account management server through the interface unit (or the recordable account management server through the communication channel). At least one or more users who input (or select) predetermined loan application information from the online store terminal and transmit it to the recordable account management server when the security loan is applied for the deposit amount included in the deposit details. An interface providing unit which generates (or extracts) an interface and provides an interface screen including the generated user interface (or extracted) in association with the interface unit to the online store terminal, and the interface screen in the online store terminal. Loan application through the user interface included in When the information is input (or selected) and transmitted through the communication channel, the loan application information received through the information receiving unit receives the loan application information received from the online store terminal in association with the interface unit. It includes a loan validity verification unit for verifying that the validity for the application for secured loan for at least one deposit amount included in the stored deposit details including each unique number in the transaction history information associated with the record ledger Characterized in that made.

The interface providing unit, when a predetermined online store terminal is connected to the recordable account management server in association with the interface unit, corresponds to a functional configuration included in the online store terminal, and provides the transaction history information associated with the recordable account ledger. Predetermined user interface for inputting (or selecting) loan application information for at least one deposit expected amount included in the stored deposit details including each unique number and transmitting the information to the recordable account management server through the communication network And / or an interface screen including at least one or more user interfaces generated (or extracted) through the communication network in conjunction with the interface unit, and / or extracted from a predetermined database (not shown). It is characterized in that to provide.

Thereafter, the online store terminal inputs (or selects) the loan application information based on the user interface included in the interface screen, and records the input (or selected) loan application information through the communication network. Send to production server.

According to an embodiment of the present invention, when the online store terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit includes each unique number in transaction history information associated with the account ledger. Generating (or extracting) a predetermined user interface that can be provided to a browser program and / or a browser program provided in the online store terminal for the secured loan application for at least one deposit amount included in the stored deposit details; It is preferable to provide the online store terminal with an interface screen including at least one or more of the user interface generated (or extracted) in association with an interface unit.

According to another embodiment of the present invention, when the online store terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit includes a unique number in the transaction history information associated with the record ledger. Generating (or extracting) a predetermined user interface that can be provided to a browser program and / or a browser program provided in the online store terminal for the secured loan application for at least one deposit amount included in the stored deposit details; It is preferable to provide the online store terminal with an interface screen including at least one or more of the user interface generated (or extracted) in association with the interface unit.

According to another exemplary embodiment of the present invention, a financial teller machine (eg, an automatic teller machine (ATM) or a cash dispenser (CD)) in which the online store terminal is connected to a predetermined financial network. ), The interface provider is configured to apply for the secured loan for at least one deposit due amount included in the stored deposit details including each unique number in the transaction history information associated with the recordable ledger. Producing (or extracting) a predetermined user interface that can be provided by a browser program included in the device, and providing an interface screen including at least one of the generated (or extracted) user interface through the interface unit to the automated teller machine It is preferable.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit may include information on transaction details associated with the recordable ledger. Generates (or extracts) a predetermined voice memo that can be provided to the call terminal (not shown) for the application for collateral loan on at least one deposit amount expected to be stored in the stored deposit details including the unique number of the interface, and the interface It is preferable to provide the voice terminal (or answering machine based user interface) generated (or extracted) to the call terminal (not shown) through the unit.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit is unique to each transaction history information associated with the record ledger. Generate (or extract) a predetermined user interface that can be provided to the wired terminal (or interactive digital TV) for the application for secured loan of at least one deposit amount included in the stored deposit details including the number, and the interface It is preferable to provide an interface screen including at least one or more of the generated user interface (or extracted) to the wired terminal (or the interactive digital TV).

According to another exemplary embodiment of the present invention, a mortgage for at least one or more deposit amounts to be included in the deposit details stored in the online store terminal including the respective unique numbers in the transaction history information associated with the record type ledger. When a predetermined browser program having at least one user interface for application is provided, each interface number is included in the transaction history information associated with the record type ledger from the interface provider to the online store terminal. The function of providing an interface screen including at least one user interface for a mortgage loan application for at least one deposit deposit amount included in the stored deposit details may be omitted, and the present invention is not limited thereto.

Thereafter, the online store terminal inputs (or selects) the loan application information included through at least one or more user interfaces included in the interface screen, and inputs the input (or selected) loan application information through the communication network. The information receiving unit receives the loan request information transmitted from the online store terminal in association with the interface unit.

Here, the loan application information is characterized in that it comprises the record-type account information including the transaction history information stored at least one or more details of the deposit details including the online store information and the unique number, according to the intention of the skilled person It is preferable that the loan application amount information, loan period information and loan interest application information, and at least one or more.

The online store information is an online store which registers (or opens) a recordable account including transaction history information storing at least one deposit details including the unique number through the recordable account registration system shown in FIG. (Or online store representative) information, and the online store information is preferably matched with a part of the information stored in the online store customer ledger associated with the recordable account ledger.

* The recordable account information preferably comprises account information (eg, account number, financial company) for the recordable account registered by the online store through the recordable account registration system shown in FIG.

The loan validity verification unit includes at least the loan application information received through the information receiving unit in association with a predetermined financial system included in the deposit details stored in the transaction history information associated with the record type ledger including each unique number. It is characterized by checking whether the loan validity for at least one deposit amount is satisfied.

According to the implementation method of the present invention, the loan validity confirmation for the loan application information, check whether the record type ledger corresponding to the record type account included in the loan application information in the ledger D / B on the financial system It is preferable that it consists of including.

In addition, the loan validity check for the loan application information, the online transaction is normally read by reading the deposit transaction history for a certain period of the transaction history information associated with the record type ledger stored in the ledger D / B on the financial system It is preferable to include checking whether it is open.

Referring to FIG. 11, the recordable account management server may include a unique number in the transaction history information associated with the recordable account ledger in association with the financial system, and thus the deposit due date does not pass. Or confirm the deposit details that are not converted into the deposit transaction details through the recordable account management system shown in FIG. 9, and calculate the loan amount based on at least one deposit expected amount included in the deposit details. Loan amount calculation unit (or loan amount calculation means) and a record-type account lock setting unit (or setting a withdrawal transaction lock for the deposit amount to be included in at least one deposit scheduled details included in calculating the loan amount) Recordable account lock setting means) and the calculated loan amount associated with the recordable account (or recordable account). And a loan processing unit (or loan processing unit) for loan processing to the real account.

When the loan application information including the online store information and recordable account information is received from the online store terminal through the information receiving unit, and the loan validity through the loan application information is confirmed by the loan validity checking unit, the loan The amount calculation unit includes the respective unique numbers in the transaction history information associated with the record-type account ledger in connection with the financial system, and the date of the deposit scheduled does not pass, or the record type shown in FIG. It is characterized by checking the details of the deposit is not converted into the deposit transaction history through the account management system.

When at least one deposit details are confirmed, the loan amount calculating unit calculates a loan amount based on at least one deposit amount included in the deposit details in connection with the financial system.

According to the exemplary embodiment of the present invention, the loan amount calculator may calculate the loan amount by summing the amount of the deposit scheduled amount included in the at least one or more details of the scheduled deposit details, and then discounting the total amount of the scheduled deposit amount. Do.

Here, the discount rate for the total amount of the deposit is expected to determine the ratio of the amount of money (e.g., non-returned / refunded out of sales generated for a certain period of time in the online store) converted from the deposit details to the deposit transaction for a certain period. Preferably, the discount rate is determined in proportion to the identified ratio.

In addition, the loan amount is preferably made of the sum of the expected amount of the deposit (the sum of the sum of the expected amount of the deposit amount applied) the amount less the interest amount for the loan interest for a certain loan period.

According to the implementation method of the present invention, the loan amount calculation unit preferably further comprises calculating the loan period or loan interest in consideration of the period converted from the deposit details to the deposit transaction details in addition to the loan amount.

When the loan amount is calculated, the recordable account lock setting unit records the amount of the deposit scheduled to be included in at least one or more deposit details included in the loan amount calculating unit to calculate the loan amount. When the deposit is made through the system, a lock is set on the details of the deposit scheduled to prevent a withdrawal transaction for the deposited amount.

When the loan amount is calculated and a lock is set on the deposit amount to be included in at least one or more deposit details included in calculating the loan amount, the loan processing unit stores the calculated loan amount in the recordable account (or It is characterized in that the loan process to the real account associated with the recordable account).

According to the method of the present invention, the loan processing unit withdraws the loan amount from the loan management account provided in the financial system and transfers the loan amount to the recordable account (or the real account associated with the recordable account), thereby providing the loan amount. It is desirable to handle loans for.

According to another exemplary embodiment of the present invention, the loan processing unit may be provided in a loan approval server provided in a separate lender in addition to the recordable account management server, and the present invention is not limited thereto.

Referring to FIG. 11, the recordable account management server deposits an amount of the deposit due included in the deposit details through the recordable account management system shown in FIG. 9 and assigns the unique number to the deposit account. A deposit number is converted into a deposit transaction, the deposit amount is transferred to a real account associated with the recordable account, and a unique number assigned to the deposit transaction history is recorded in a brief (or content) item of the real account transaction history item. When the lock is set by the record-type account lock setting unit, confirm the unique number converted to the deposit transaction details from the deposit scheduled details, and the actual account transaction history including the identified unique number in the brief (or content) item It is characterized in that it comprises a real account lock setting unit (or real account lock setting means) for setting a withdrawal transaction lock for.

After the secured loan for the deposit amount is processed, if the deposit amount included in the deposit details is deposited through the recordable account management system shown in FIG. 9, the deposit amount is based on the deposit transaction information. When the deposit amount is transferred to a real account associated with the recordable account, and the funds are transferred to the deposit transaction, the brief (or content) item of the transaction item is uniquely assigned to the deposit transaction. The number is recorded, wherein the real account lock setting unit confirms the unique number that is converted into the deposit transaction details from the deposit scheduled transaction details of which the lock is set by the recordable account lock setting unit, and converts the identified unique number into a real account. It is special to set a withdrawal transaction lock on the amount corresponding to the real account transaction history included in the summary (or contents) of the transaction history. Gong.

Based on the unique number, the amount corresponding to the details of the payment scheduled to be locked at the time of the loan is also locked through the real account transaction history, so that the withdrawal transaction through the recordable account and the withdrawal transaction through the real account are also possible. The amount set as collateral of the loan is prevented from being withdrawn.

Referring to FIG. 11, the recordable account management server may include at least one converted from at least one deposit scheduled details of which the lock is set by the recordable account lock setting unit in association with the financial system during the loan amount repayment processing. At least one real account transaction history (or the real account lock setting unit) in which at least one deposit transaction history is confirmed or a unique number included in the deposit transaction history is recorded in a summary (or content) item of the transaction history. A lock transaction history checking unit (or lock transaction history checking means) for checking at least one real account transaction history, and a deposit transaction history of the locked recordable account or unlocking a withdrawal transaction for the real account transaction history; From the unlocking unit (or unlocking means) and the amount corresponding to the real account transaction history of the unlocking Determine the amount of the loan repayment period for the loan amount, and the loan repayment processing unit for processing the redemption loan payments (or loan repayment processing means), characterized in that formed by having.

In the loan amount repayment processing, the lock transaction history confirmation unit confirms at least one or more deposit transaction details converted from at least one deposit scheduled details that are locked by the recordable account lock setting unit in association with the financial system. It features.

When at least one deposit transaction history locked in the loan application process is confirmed, the lock transaction history confirmation unit links a unique number included in the confirmed deposit transaction history in conjunction with the financial system to provide a summary (or content) of the transaction history. At least one real account transaction history (or at least one real account transaction set by the real account lock setting unit) is recorded.

When the deposit transaction history or the real account transaction history of the locked record type account is confirmed, the unlocking unit is connected to the financial system based on the unique number and the deposit transaction history of the locked record type account or the real account. It is characterized in that the withdrawal transaction lock on the transaction history.

When the deposit transaction history of the locked record account or the withdrawal transaction lock for the real account transaction is released by the unlocking unit based on the unique number, the loan repayment processing unit is annoyed in connection with the financial system. It is characterized in that the loan repayment amount for the loan amount from the amount corresponding to the unlocked real account transaction history.

Here, the loan repayment amount preferably includes the loan amount and the interest amount corresponding to the loan interest during the loan period.

* According to the method of the present invention, the loan repayment processing unit withdraws the loan repayment amount from the real account associated with the record-type account and transfers the loan repayment amount to the loan management account (or loan institution account), It is preferable to carry out repayment treatment.

FIG. 12 is a diagram illustrating a process of secured deposit amount secured loan according to an embodiment of the present invention.

In more detail, Figure 12 is after the at least one deposit details including the unique number is stored in the transaction history information associated with the record ledger through a system for storing the deposit details shown in Figure 7, Through the recorded account management system shown in FIG. 9, before the deposit transaction history including the unique number is stored in the transaction history information associated with the record account ledger, As a process for setting up a collateral and processing a loan, those of ordinary skill in the art to which the present invention pertains, various implementations for the above-mentioned deposit expected security loan application process by referring to and / or modifying the drawing 12 It will be appreciated that the method may be inferred, but the present invention includes all implementation methods inferred from the above, It is not limited in this way.

12, the online store terminal shown in FIG. 11 is referred to as " terminal " for convenience, and the recordable account operating server shown in FIG. 11 is referred to as " server "

Referring to FIG. 12, the terminal shown in FIG. 11 connects to the server through a predetermined communication network, and the deposit amount is included in the deposit details of the recordable account (or the real account associated with the recordable account). When applying for a secured loan (1200), in response, the server generates (or extracts) a webpage including a user interface for inputting (or selecting) loan application information for the deposit amount secured loan application. It transmits to the terminal through a communication channel and outputs it (1205).

According to the exemplary embodiment of the present invention, the web page is transmitted and / or outputted to the terminal at least once according to the user interface provision and loan application information transmission and reception procedure, and thus the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) the loan application information through the user interface (1210).

Here, the loan application information is characterized in that it comprises the record-type account information including the transaction history information stored at least one or more details of the deposit details including the online store information and the unique number, according to the intention of the skilled person It is preferable that the loan application amount information, loan period information and loan interest application information, and at least one or more.

The online store information is an online store which registers (or opens) a recordable account including transaction history information storing at least one deposit details including the unique number through the recordable account registration system shown in FIG. (Or online store representative) information, preferably, the online store information matches some of the information stored in the online store customer ledger associated with the recordable ledger.

The recordable account information preferably includes account information (eg, account number, financial company) for the recordable account registered by the online store through the recordable account registration system shown in FIG.

If the loan application information is input (or selected) through the user interface (1215), the terminal transmits the input (or selected) loan application information to the server through the communication channel (1220). ).

Thereafter, the server receives and reads the loan application information through the communication channel and verifies a loan validity based on the loan application information (1225).

According to the implementation method of the present invention, the loan validity confirmation for the loan application information, check whether the record type ledger corresponding to the record type account included in the loan application information in the ledger D / B on the financial system It is preferable that it consists of including.

In addition, the loan validity check for the loan application information, the online transaction is normally read by reading the deposit transaction history for a certain period of the transaction history information associated with the record type ledger stored in the ledger D / B on the financial system It is preferable to include checking whether it is open.

If the validity of the loan is not authenticated based on the loan application information (1230), the server generates predetermined loan error information corresponding to the validity error information and transmits the predetermined loan error information to the terminal through the communication network (1235).

On the other hand, if the validity of the loan is authenticated based on the loan application information (1230), the server calculates a loan amount corresponding to the expected amount of money secured loan application based on the deposit details of the record-type account (1240).

According to the implementation method of the present invention, the server is to deposit the date and time of the deposit scheduled details stored in the transaction details information associated with the record ledger in conjunction with the financial system for calculating the loan amount including each unique number Is not elapsed, or it is preferable to check the details of the deposit schedule that has not been converted into the deposit transaction history through the recordable account management system shown in Figure 9, and if at least one deposit details are confirmed, the server It is preferable to calculate a loan amount based on at least one or more deposit amounts to be included in the deposit details in connection with the financial system.

According to an exemplary embodiment of the present invention, the server may add the amount of the deposit due included in the at least one or more details of the deposit scheduled, and then calculate the loan amount by discounting the amount of the scheduled deposit. .

Here, the discount rate for the total amount of the deposit is expected to determine the ratio of the amount of money (e.g., non-returned / refunded out of sales generated for a certain period of time in the online store) converted from the deposit details to the deposit transaction for a certain period of time. Preferably, the discount rate is determined in proportion to the identified ratio.

In addition, the loan amount is preferably made of the sum of the expected amount of the deposit (the sum of the sum of the expected amount of the deposit amount applied) the amount less the interest amount for the loan interest for a certain loan period.

According to an embodiment of the present invention, the server may further comprise calculating a loan period or loan interest in consideration of the period in which the deposit details are converted into the deposit transaction details in addition to the loan amount.

If the loan amount corresponding to the deposit amount secured loan application is calculated (1245), the server is expected to deposit the amount of money included in at least one deposit details included in calculating the loan amount shown in FIG. When the deposit is made through the recordable account management system, a lock is set on the details of the deposit scheduled to prevent a withdrawal transaction for the deposited amount (1250).

If a lock is set for the deposit details included in calculating the loan amount of the deposit details of the record-type account (1255), the server is connected to the financial system (or the lender) to read the loan amount. The loan is processed into a recordable account (or a real account associated with the recordable account) (1260).

According to an embodiment of the present invention, the server withdraws the loan amount from the loan management account provided in the financial system and transfers the loan amount to the recordable account (or the real account associated with the recordable account). It is desirable to handle loans for.

According to another exemplary embodiment of the present invention, the server may be provided in a loan approval server provided in a separate lender in addition to the recordable account management server, and the present invention is not limited thereto.

13A and 13B are diagrams illustrating a process of locking a withdrawal transaction of a real account with respect to a deposit secured amount loan of a record-type account according to an embodiment of the present invention.

13a and 13b show the deposit path from the payment agency server (or payment institution server) through the recordable account management system shown in FIG. 9 after performing the loan process shown in FIG. The settlement amount corresponding to the deposit amount is deposited through a separate virtual account number, and when the deposit amount is transferred to a real account associated with the recordable account, the recorded account loan system shown in FIG. The process of setting a lock on the amount of money deposited into the real account in the record-type account management server, if the person of ordinary skill in the art to which the present invention belongs, see and / or this drawing 13a and 13b It may be modified to infer various implementation methods for the process of locking the withdrawal transaction of the real account with respect to the deposit amount secured loan of the record type account, The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 13A and 13B.

In the following FIGS. 13A and 13B, the recordable account operating server on the recordable account operating system shown in FIG. 11 is referred to as " server " for convenience.

Referring to FIGS. 13A and 13B, in the system for storing the deposit details shown in FIG. 7, the transaction details information associated with the recordable ledger is stored through the deposit history details shown in FIG. After storing the deposit details including the unique number and the deposit information, the server is linked to the financial system from the payment agency server (or payment institution server) for at least one payment path in connection with the financial system (or financial common network) Through 1300, it is checked whether the settlement amount corresponding to the deposit scheduled amount included in the deposit scheduled details shown in FIG. 7 is deposited through the virtual account number for each deposit path (1300).

If it is confirmed that the settlement amount corresponding to the deposit expected amount is deposited through the virtual account number for each of the deposit paths (1305), the server is linked with the financial system and the virtual account number corresponding to the deposit transaction. And check the deposit transaction information including the deposit date information and the deposit amount information (1310).

Here, the deposit transaction information preferably comprises at least one or more pieces of information that match the details of the deposit scheduled in the financial system according to the intention of the skilled person, and the present invention is not limited thereto.

If the deposit transaction information corresponding to the confirmed deposit transaction is confirmed (1315), the server is connected with the financial system based on the virtual account number, the deposit date information and the deposit amount information included in the deposit transaction information. In operation 1320, a payment history corresponding to the payment transaction information is checked among the payment details stored in the transaction history information associated with the record ledger.

According to the method of the present invention, the server checks the details of the deposit schedule including the virtual account number included in the confirmed deposit transaction details of the deposit scheduled details stored in the transaction history information associated with the record type ledger, Or confirm the deposit schedule details including the deposit scheduled date and time information matched with the deposit date and time information included in the confirmed deposit transaction history, or the deposit amount to be matched with the deposit amount information included in the confirmed deposit transaction history. By performing at least one or more steps of checking the details of the deposit schedule, it is preferable to check the details of the deposit schedule matching the deposit transaction information.

If the scheduled payment details matched with the deposit transaction information are not confirmed (1325), the server allocates a unique number that is not duplicated to the confirmed deposit transaction information in association with the financial system to associate with the record type ledger. Stored in the transaction history information (1330).

On the other hand, when the deposit schedule details matched with the deposit transaction information is confirmed (1325), the server adds the deposit transaction information to the confirmed deposit schedule details transaction details associated with the recorded account ledger Store in information (1335).

Thereafter, the server checks whether the money corresponding to the deposit amount is transferred to the real account associated with the recordable account in connection with the financial system (1340).

If the check result confirms that the money corresponding to the deposit amount is transferred to the real account associated with the recordable account (1345), the server is linked with the financial system to provide an overview of the transaction details of the real account. The unique number assigned to the deposit transaction history of the recordable account is recorded in the (or the content) item (1350).

Thereafter, the server checks whether the deposit transaction history, which is converted into the deposit transaction details from the deposit schedule details of the record-type account, is set in the withdrawal transaction lock through the loan process shown in FIG. (1355).

If the withdrawal transaction lock on the deposit transaction of the recordable account is not set (1360), the server does not perform a process of setting a lock on the real account associated with the recordable account.

On the other hand, if the withdrawal transaction lock on the deposit transaction history of the record-type account is set (1360), the server checks the unique number of the deposit transaction history is set in connection with the financial system (1365).

If the unique number of the deposit transaction history with the withdrawal transaction lock is confirmed (1370), the server checks the real account transaction history including the identified unique number in the brief (or content) items in association with the financial system (1375).

If the real account transaction history including the identified unique number in the brief (or content) item in association is confirmed (1380), the server is added to the real account transaction history including the unique number in the brief (or content) item. A withdrawal transaction lock is set for the included amount (1385).

FIG. 14 is a diagram illustrating a loan repayment process for a deposit secured amount loan of a record-type account according to an embodiment of the present invention.

In more detail, Figure 14 shows the loan process shown in Figure 12 and the real account lockout process shown in Figures 13a and 13b after the loan repayment date for the deposit amount secured loan, the drawing Release the withdrawal lock set in the deposit transaction history of the record type account in the record type account management server on the record type account loan system shown in FIG. 11 and associate with the record type account based on the unique number assigned to the deposit transaction record. After releasing the withdrawal lock of the real account, the process of repaying the loan repayment amount for the deposit amount secured mortgage loan from the real account, if one of ordinary skill in the art Various implementation methods for the loan repayment process for the secured amount of the loan of the recordable account will be described with reference to FIG. 14 and / or modified. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, if a person having ordinary knowledge in the technical field to which the present invention belongs, if there is a scheduled payment details that have not been converted into a deposit transaction details among the scheduled deposit details with reference to and / or modified with reference to FIG. Various loan repayment methods, such as extending the loan repayment (or collecting debts), or performing collection of debts for the deposit amount secured when the online store closes before the loan repayment date comes. It may be inferred, but it is evident that the present invention encompasses all implementation methods inferred.

In the following figure 14, the recordable account management server on the recordable account management system shown in FIG. 11 is referred to as " server " for convenience.

Referring to FIG. 14, the server periodically checks whether a loan is due on the loan repayment date for the deposit secured amount secured through the loan process shown in FIG. 12 and the real account locking process shown in FIGS. 13A and 13B. (1400).

If it is confirmed that the loan repayment date has arrived (1405), the server is connected to the financial system at least one or more deposit transaction history (or deposit details) that the withdrawal lock is set through the loan process shown in FIG. Check (1410).

If all of the deposit transaction details of the withdrawal lock are set (1415), the server releases the withdrawal lock for the deposit transaction in association with the financial system (1420) and locks the withdrawal in association with the financial system. The unique number assigned to the released payment transaction is confirmed (1425).

If a unique number assigned to the deposit transaction history of which the withdrawal lock is released is confirmed (1430), the server includes at least one or more of the identified unique number in the brief (or content) item in association with the financial system. Check the real account transaction (1435).

If the real account transaction history (or the real account transaction history with the withdrawal lock set) including the unique number in the brief (or content) item is confirmed (1440), the server is connected to the financial system and the withdrawal lock is set. The withdrawal lock of the real account transaction history is released (1445), and the loan repayment amount for the deposit amount secured loan is confirmed among the amounts corresponding to the real account transaction history in which the withdrawal lock is released (1450).

Here, the loan repayment amount preferably includes the loan amount and the interest amount corresponding to the loan interest during the loan period.

If the loan repayment amount is confirmed (1455), the server repays the loan repayment amount from the real account in connection with the financial system (1460).

According to the method of the present invention, the server withdraws the loan repayment amount from the real account associated with the recordable account and transfers the loan repayment amount to the loan management account (or loan institution account), thereby repaying the loan repayment amount. It is preferable.

According to the present invention, when a deposit transaction related to the profit of the online store, by assigning a predetermined unique number to the deposit transaction history corresponding to the profit account of the account of the online store, records in the transaction history of the recordable account, By recording the unique number assigned to the recordable account transaction details in the brief (or content) of the transaction history items of the real account of the online store associated with the recordable account, accounting processing related to the profit of the online store is automatically performed. There is an advantage to deal with.

According to the present invention, when the deposit transaction related to the profit of the online store, by managing the deposit scheduled details through the record-type account, if the cash flow of the online store is not smooth, the deposit scheduled to be included in the deposit scheduled details By providing a short-term loan by setting the amount as collateral, there is an advantage to stabilize the cash flow of the online store.

Claims (1)

When deposit receipt information including at least one account number corresponding to a recordable account associated with a real account, deposit payment amount information, and deposit due date information is received, a server for checking whether the deposit is received in the received deposit scheduled information Storing deposit details of a deposit made by assigning a unique number to the recordable ledger; When applying for a loan for the record-type account, the server checks at least one or more details of the deposit schedule not exceeding the due date of the deposit by confirming a unique number for confirming whether the deposit is made in connection with the record-type account ledger. Calculating a loan amount based on at least one deposit amount to be included in the deposit details; Setting a lock on the withdrawal transaction for the deposit due amount corresponding to the deposit due details included in the loan amount calculation at the server; When the calculated loan amount is loaned to the recordable account (or a real account associated with the recordable account), a deposit expected amount corresponding to the locked deposit scheduled details in the server is recorded through each deposit path. When the funds are transferred to the real account associated with the account, the deposit expected details including the unique number are converted into the deposit transaction details in connection with the record-type account ledger, and the deposit is made in the remarks (or contents) items of the real account transaction details. Storing the unique number assigned to the scheduled details; Setting a lock on the deposit amount transferred to the real account by matching the unique number; And storing the deposit amount information transferred to the real account in a predetermined storage medium in association with the unique number.

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