KR20090086373A - Method for handling settlement admission for application value - Google Patents

Abstract

A value-applied settlement approval processing method is provided to apply a plurality of discount coupons by making a member store terminal periodically receive valuable information corresponding to card information. To provide the settlement admission processing using a value-linked card(3077), a member store terminal(3000) periodically receives at least one or more valuable information corresponding to card information stored in a memory unit from one or more value providing servers(3080) through the connection with a communication processing unit(3030). The member store terminal includes an update processing unit(3050) which stores the received valuable information in the memory unit through the linking with the card information.

Description

Method for Handling Settlement Admission for Application Value}

1 is a diagram illustrating a prepaid card type rechargeable online account registration system according to an exemplary embodiment of the present invention.

2 is a view showing the configuration of the charging online account ledger information according to an embodiment of the present invention.

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

4 is a diagram illustrating a configuration of a rechargeable online account ledger information according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a rechargeable prepaid card according to another embodiment of the present invention.

7 is a diagram illustrating a process of processing a rechargeable online account as a rechargeable prepaid card according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for a rechargeable online account according to one embodiment of the present invention.

9 is a diagram illustrating a real name verification process for a rechargeable online account according to another embodiment of the present invention.

10 is a diagram illustrating a virtual account type rechargeable online account registration system according to another embodiment of the present invention.

11 is a view showing the configuration of the chargeable online account ledger information according to an embodiment of the present invention.

12 is a view showing the configuration of the charging online account ledger information according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating a configuration of rechargeable online account ledger information according to another embodiment of the present invention.

14 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in a virtual account form according to an embodiment of the present invention.

15 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in a virtual account form according to another exemplary embodiment of the present invention.

16 is a diagram illustrating a process of processing a rechargeable online account into a virtual account according to an embodiment of the present invention.

17 is a diagram illustrating a real name verification process for a rechargeable online account according to an embodiment of the present invention.

18 is a diagram illustrating a real name verification process for a rechargeable online account according to another embodiment of the present invention.

19 is a diagram illustrating a value type online account registration system according to an embodiment of the present invention.

20 is a diagram illustrating the configuration of value-based online ledger information according to an embodiment of the present invention.

21 is a diagram illustrating an information providing process for registering a value type online account according to one embodiment of the present invention.

22 is a diagram illustrating an information providing process for registering a value type online account according to another exemplary embodiment of the present invention.

23 is a diagram illustrating a value-based online account registration process according to the first embodiment of the present invention.

24 is a diagram illustrating a value-based online account registration process according to the second embodiment of the present invention.

25 is a diagram illustrating a value-based online account registration process according to a third embodiment of the present invention.

26 is a diagram illustrating a value-based online account registration process according to a fourth embodiment of the present invention.

FIG. 27 is a diagram illustrating a card issuing system for issuing a value linked card linked to a rechargeable account and at least one value type account according to an embodiment of the present invention.

FIG. 28 is a diagram illustrating a process of issuing a value linked card linked to a rechargeable account and at least one value type account according to an embodiment of the present invention.

29 is a diagram illustrating a process of issuing a value linked card linked to a rechargeable account and at least one value type account according to another embodiment of the present invention.

30 is a diagram illustrating a functional configuration of an affiliated store terminal for payment processing using a value linked card according to an embodiment of the present invention.

FIG. 31 is a view illustrating an operation process of an affiliated store terminal for payment processing using a value linked card according to an embodiment of the present invention.

32 is a diagram showing the configuration of the card payment system through the value linked card according to an embodiment of the present invention.

33 is a diagram illustrating a payment approval process through a value-linked card according to an embodiment of the present invention.

34 is a diagram illustrating a card payment system configuration through a value interlocking card according to another embodiment of the present invention.

35 is a diagram illustrating a payment approval process through a value-linked card according to another embodiment of the present invention.

<Description of main parts of drawing>

3000: Merchant Terminal 3005: Control Unit

3010: card reader 3015: screen output unit

3020: key input unit 3025: power supply unit

3030: communication processing unit 3035: security application module (SAM)

3040: print output unit 3045: printing apparatus

3050: memory unit 3055: information input unit

3060: information processing unit 3065: professional generation unit

3070: professional transmission unit 3075: professional processing unit

3077: Value linked card 3080: Value linked server

3085: Voucher Server 3090: Coupon Server

3095: payment processing server 3097: card company server

3099: financial company server

The present invention provides a payment approval processing method for applying heterogeneous values through a terminal device provided in an affiliated store, wherein the voucher value information corresponding to the voucher to be provided to the customer is operated based on the card information of the customer and the fund; Connecting and storing coupon value information provided to the customer at the merchant to the memory unit, and during payment processing according to the use of the card of the customer, in conjunction with the memory unit, the voucher value information and the coupon connected to the customer card Outputting the value information on the screen; and when the voucher value information and the coupon value information are output on the screen, one of the voucher value and the coupon value output on the screen through a key input means to be applied to the card payment processing. Processing to select the above value information and the payment amount according to the customer's use of the card and the voucher value After changing the selected one or more of the value of the coupon value applied to the value, the payment approval request processing method comprising the step of generating a payment approval request for the value applied payment amount to the server on the communication network.

When information technology is developed and electronic payment service using card media is activated, each card company, affiliated stores, and electronic payment related partners provide various discount coupon services to secure loyal customers. Due to the nature of the coupon, the application (or value) of a plurality of discount coupons includes a difficult problem.

Recently, various voucher services are becoming more common for people of a certain class based on national agencies (for example, the Ministry of Health and Welfare, the Ministry of Culture, Tourism, etc.) and local governments. It is aimed at various discount benefits (or application of value) to citizens of a certain class based on various funds managed by self-governing bodies.

On the other hand, since the voucher is operated through various funds operated by the flag agency (or local government), unlike the discount coupon, the voucher includes a feature that can provide a value separate from the discount coupon, but the conventional electronic payment service Through the technical problem that is difficult to apply the discount coupon and voucher at the same time.

An object of the present invention for solving the above problems, in the payment approval processing method for applying heterogeneous values through a terminal device provided in the merchant, the card information of the customer and the funds to be operated based on the customer Linking the voucher value information corresponding to the voucher and the coupon value information provided to the customer at the merchant, storing and managing the voucher value in the memory unit, and interworking with the memory unit during the payment processing according to the use of the card of the customer; Outputting the voucher value information and the coupon value information associated with the customer card on the screen, and when the voucher value information and the coupon value information are output on the screen, the voucher value and the coupon output on the screen through a key input means Processing one or more value information to be applied to the card payment processing among values and using the customer's card Changing the payment amount according to the one or more selected values of the voucher value and the coupon value, and generating a full payment approval request for the value-applied payment amount and transmitting it to a server on a communication network. To provide a payment approval processing method.

The value application payment approval processing method according to the present invention is a payment approval processing method for applying heterogeneous values through a terminal device provided in an affiliated store, which is operated based on a card information of a customer and a fund to be provided to the customer. Linking the voucher value information corresponding to the voucher and the coupon value information provided to the customer at the merchant, storing and managing the voucher value in the memory unit, and interworking with the memory unit during the payment processing according to the use of the card of the customer; Outputting the voucher value information and the coupon value information associated with the customer card, and if the voucher value information and the coupon value information are displayed on the screen, the voucher value and the coupon value output on the screen through a key input means. Processing to select one or more value information to be applied to the card payment processing and the use of the card of the customer Changing the payment amount according to the one or more selected values of the voucher value and the coupon value, and generating a full payment approval request for the value-applied payment amount and transmitting it to a server on a communication network. It features.

According to the present invention, the terminal device is characterized in that it further comprises the step of periodically updating the voucher value information associated with the customer card in conjunction with the server on the communication network.

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 prepaid card type charge online account registration system according to an embodiment of the present invention.

In more detail, Figure 1 provides a chargeable online account application information for opening a chargeable online account to a predetermined web server 100 through a predetermined network means at a predetermined customer terminal. By providing the chargeable online account application information provided from the customer terminal in the server 100 to a predetermined information processing server 135 provided in a predetermined financial institution, the information processing server 135 to apply for the rechargeable online account application As a system configuration for opening a rechargeable online account corresponding to information, it is a view showing a system configuration for opening a rechargeable online account of a rechargeable prepaid card concept that can be used without real name verification.

Those skilled in the art to which the present invention pertains, the method for registering a system for registering various types of rechargeable online account in addition to the rechargeable online account of the concept of the rechargeable prepaid card by referring to or modifying the present invention. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to an embodiment of a system for registering a rechargeable online account in the form of a virtual account having a predetermined real account as a parent account by referring to or modifying the present invention. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, a rechargeable online account registration system for registering a rechargeable online account in the form of a rechargeable prepaid card may include a predetermined web server 100 (e.g., through a predetermined network means). Requesting registration (or opening) of the rechargeable online account without real name verification by connecting to a portal server (Portal Server, etc.), and predetermined rechargeable online account application information corresponding to registration (or opening) of the rechargeable online account. Is connected to the customer terminal for providing the web server 100 with the customer terminal through a predetermined network means to receive a predetermined charge-type online account application information from the customer terminal, the received chargeable online account application Web server 100 for providing information to the information processing server 135 provided in a predetermined financial institution, and the web server 100 is connected through a predetermined communication means Receiving the chargeable online account application information from the web server 100, and on the basis of the received chargeable online account application information in the name of the customer charged the online account corresponding to the chargeable online account application information It is provided with an information processing server 135 which processes and opens by the rules, and a financial system which operates the charge-type online account processed by the said provisional rules.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system The interface module corresponding to the middleware platform, and stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a database management system (DBMS) including at least one database, wherein the financial transactions through the financial system are based on laws and concurrent regulations on financial real-name trading and confidentiality of the financial account. When it corresponds to real name financial account corresponding to 15744) Is effectively processed.

According to the implementation method of the present invention, the financial system according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) equipped with the financial system and the purpose and characteristics of the financial system, At least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains. If you grow up, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, by which the present invention is not limited.

According to an embodiment of the present invention, the financial system provided in the financial institution is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (for example, a branch network). It is characterized in that, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other affiliated with the financial institution. At least one financial terminal provided at a financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide 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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial transaction 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 financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined rechargeable online account through an online channel may use the web server 100 through at least one or more customer terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. ) And receive various application services provided by the web server 100.

Here, among the customer terminals, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop connected to the TCP / IP based communication network. At least one computer or notebook, a home appliance terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

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

The web server 100 is a customer terminal including at least one wired terminal or at least one wireless terminal through the wired communication network or a wireless communication network, and includes a search service including at least one information / content or a mini homepage / blog. It is preferable to include a portal server or a search server that provides a personalization service, a mail service, a messenger service, or various information providing services.

According to the present invention, the information providing service provided by the web server 100 to the customer terminal includes at least one or more financial product information sold by the financial institution to at least one or more customers online (or requesting a new establishment). It characterized in that it comprises a, wherein the financial product information is characterized in that the customer comprises at least one or more chargeable online account product information for registering the rechargeable online account.

In addition, the web server 100 is at least one user interface for the customer to apply for (or purchase) the financial product (for example, the rechargeable online account) through a network means including the wired or wireless communication network. To the customer terminal, wherein the customer terminal inputs (or selects) the chargeable online account application information through the user interface to the web via a network means including the wired or wireless communication network. Characterized in that the transmission to the server (100).

To this end, the client terminal outputs at least one user interface provided from the web server 100, and inputs or selects at least one rechargeable online account application information through the user interface to the web server 100. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the web server 100, etc.) for transmitting to the web server is provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 100 as described above, and provide at least one rechargeable online account application information through the user interface. Since it is possible to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal or wireless terminal to input or select and transmit to the web server 100, a detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 105 includes a protocol stack defined in the wired network or a wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the customer terminal and the predetermined communication channel with the customer terminal based on. .

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

Alternatively, when the customer terminal is provided with a communication program provided by the web server 100, the interface unit 105 connects the communication channel with the customer terminal based on the TCP / IP protocol, the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 may be connected to the customer terminal based on a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 105 connects a communication channel with the customer terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Referring to FIG. 1, the web server 100 is linked to the interface unit 105 when a predetermined client terminal accesses the web server 100 through the interface unit 105 or applies for a chargeable online account. A user interface (or extracted from a predetermined web source D / B (not shown)) for inputting (or selecting) and transmitting predetermined charge-type online account application information from the client terminal to the client terminal. An information receiving unit for receiving predetermined charge-type online account application information that is input (or selected) and transmitted from the customer terminal through the user interface in cooperation with the interface providing unit 110 and the interface unit 105 to provide 120 and an information relay unit 130 for providing the received chargeable online account application information to an information processing server 135 provided at a financial institution through a predetermined communication means. Characterized in that W is made.

In addition, the web server 100 is a search service including at least one or more information / content to the at least one or more customer terminals in conjunction with the interface unit 105, or a personalization service or a mail service including a mini homepage / blog Or a web service unit 115 for providing a web-based service including at least one messenger service or various information providing services, and having a general knowledge in the technical field to which the present invention pertains. If so, the web server 100 will be familiar with how to provide the web-based service to at least one or more customer terminals to perform a function of a portal server or a search server, a detailed description thereof will be omitted for convenience.

In addition, the web server 100 is a chargeable online account received from the customer terminal through the information receiving unit 140 for the post-management of the chargeable online account application information received through the information receiving unit 140. Rechargeable online account issuance information including application information or including at least one or more chargeable online account information generated by the information processing server 135 based on the chargeable online account application information. Characterized in that it further comprises an information storage unit 125 to store in the, wherein the charge-type online account issuance information is the online account security information received from the customer terminal, the new processing agreement information (or new application information) ), Rechargeable prepaid card processing consent information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) A preferably further comprises at least one.

The interface providing unit 110, when a predetermined customer terminal is connected to the web server 100 through the interface unit 105 or when applying for a chargeable online account, the charging corresponding to the functional configuration provided in the customer terminal A predetermined user interface capable of inputting (or selecting) type online account application information and transmitting it to the web server 100 through the network means, or extracting from a predetermined database (not shown), In connection with 105, the user interface generated through the network means is provided to the user interface generated (or extracted from a predetermined web source D / B (not shown)).

Thereafter, the client terminal inputs (or selects) the rechargeable online account application information based on the user interface, and transmits the input (or selected) rechargeable online account application information through the network means to the web server ( 100).

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

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

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined charging online account application information from the client terminal in the web server 100 may include at least one online account product (or financial product). It is preferable that the customer comprises an interface for selecting at least one or more online account products (or financial products) to apply (or purchase).

In addition, when the online account product corresponding to the chargeable online account application information corresponds to the online account in the form of free and withdrawal, the user interface for receiving (or selecting) the chargeable online account application information is the chargeable online. And an interface for outputting online account product details such as the name of the rechargeable online account product and interest rate information corresponding to an account product to the customer terminal, and confirming that the customer has confirmed the details of the rechargeable online account product. The user interface for receiving (or selecting) the rechargeable online account application information when the online account product corresponding to the rechargeable online account application information corresponds to an online account in the form of a financial investment product. Rechargeable online account Outputting the online account product details such as the name of the rechargeable online account product corresponding to the product, the investment period and the expected return information to the customer terminal, and confirming that the customer has confirmed the details of the rechargeable online account product. It is preferred to include an interface.

In addition, the user interface for receiving (or selecting) the chargeable online account application information, outputs the terms and conditions information corresponding to the chargeable online account product to the customer terminal, the interface that the customer agrees to the terms and conditions It is preferable to comprise.

The user interface for receiving (or selecting) the rechargeable online account application information may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the rechargeable online account product. And an interface for inputting predetermined financial account information (eg, original account information for depositing a predetermined amount into an online account) for depositing (or transferring) an amount into the rechargeable online account.

In addition, the user interface for inputting (or selecting) the rechargeable online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile number) for the customer applying for the rechargeable online account product. , An address, an e-mail address, etc.) or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 100. It is preferable to make.

Thereafter, the customer terminal provides online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) from the plurality of online account products through the user interface, and the rechargeable online account products. Inputting (or selecting) the chargeable online account application information including corresponding terms and conditions agreement information, the chargeable online account deposit amount information, and at least one customer information for the chargeable online account applicant; Through the transmission to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the rechargeable online account application information may include an account password for an online account corresponding to the rechargeable online account application information, or the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing at least one or more non-face-to-face financial transactions.

In addition, the rechargeable online account security information is a predetermined personal identification number (PIN) or customer wireless for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further comprise terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 100 through the network means, or further include the rechargeable online account security information in the chargeable online account application information. Send to server 100.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 100 in order to secure the back. desirable.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the rechargeable online account application information may be configured until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Provision of provisional terms and conditions and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before verification of the financial real name of the rechargeable online account) The new provision application that outputs to the customer terminal and the customer accepts the provisional processing agreement information for agreeing to the provisional provisional terms information and provisional processing period information, or the provisional processing for the rechargeable online account. It is preferable to include an interface for inputting (or selecting) information.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional provision processing agreement information (or provisional application information) is transmitted to the web server 100 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information), and is transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name for the online account corresponding to the online product corresponding to the rechargeable online account is processed and operated as a concession, the input of the rechargeable online account application information is received (or selected). The user interface for processing the prepaid credit card by processing the rechargeable online account with a predetermined prepaid card in order to process the financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account processed by the pseudonym. It is preferable to include an interface for outputting to the customer terminal, the customer inputs (or selects) the rechargeable prepaid card processing agreement information to agree to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the rechargeable online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal and confirming the agreement may be omitted. Do.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal, the customer terminal inputs (or selects) the rechargeable prepaid card processing consent information through the interface, and then enters the input ( Or) transmitting the charged prepaid card processing consent information to the web server 100 through the network means, or further including the rechargeable prepaid card processing consent information in the rechargeable online account application information. It transmits to the web server 100 through.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). At least one customer account is not open, or the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution; Preferably, the user interface includes an interface for outputting financial transaction application terms and conditions for processing an initial financial transaction with the financial institution to the customer terminal, and confirming that the customer has agreed to the financial transaction application terms. If the customer is a financial transaction customer of the financial institution; Mubang device shall be omitted, or it may be included in a non face-to-face financial transaction mubang accept information (or a non-face-to-face financial transaction request information) which specifies to the interface is in accordance with the intention of those skilled in the art.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer As such, the interface for applying for the financial transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 100 through the network means. In FIG. 1, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (e.g., at least corresponding to the financial institution applying for the rechargeable online account product). One or more customer accounts are not open, or the customer who applies for the rechargeable online account has no history of financial transactions with the financial institution), or the customer who applies for the rechargeable online account does not face the financial institution. If the customer is not a financial transaction customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the user interface for receiving (or selecting) the rechargeable online account application information may include: At least one through at least one non-face-to-face financial transaction channel with the financial institution as a terminal Non-face-to-face financial transaction terms information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information for which the customer agrees to the non-face-to-face financial transaction agreement information, or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction. desirable.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, or the rechargeable type If non-face-to-face financial transaction authentication can be omitted for a financial transaction using an online account, the customer is a face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through at least one non-face-to-face financial transaction channel. The interface for agreeing (or applying for) may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. Or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the rechargeable online account application information to the web server 100 through the network means.

When the customer terminal inputs (or selects) predetermined charge-type online account application information through the user interface and transmits it through the network means, the information receiving unit 120 interworks with the interface unit 105 to charge the charge. And receiving the type online account application information, and provides the received charging type online account application information to the information relay unit 130 or the information storage unit 125.

Here, the chargeable online account application information may include at least one online account product selection information for selecting at least one online account product that the customer applies (or purchases) from the plurality of online account products, and the chargeable online account product. It is preferable to include at least one or more information corresponding to the terms and conditions of the agreement, and information on the deposit amount of the online account.

In addition, the customer terminal inputs (or selects) predetermined charge-type online account security information through the user interface and transmits it through the network means, or the charge-type online account security information is transmitted from the customer terminal. When the information is included in the online account application information and transmitted, the information receiving unit 120 may receive the rechargeable online account security information in association with the interface unit 105. The information relay unit 130 or the information storage unit 125 is provided.

In addition, the customer terminal inputs (or selects) predetermined false information processing consent information (or false information request information) through the user interface and transmits the information through the network means, or at the customer terminal, accepts the false information processing agreement. When the information (or the new application information) is included in the chargeable online account application information and transmitted, the information receiver 120 interoperates with the interface unit 105 and the new information processing consent information (or the new application information). ), And provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 or the information storage unit 125.

In addition, the customer terminal inputs (or selects) predetermined rechargeable prepaid card processing consent information through the user interface through the network means, or transmits the rechargeable prepaid card processing consent information from the customer terminal to the rechargeable type. When the transmission is included in the online account application information, the information receiver 120 receives the rechargeable prepaid card processing consent information in association with the interface unit 105, and the received rechargeable prepaid card processing consent information. Is provided to the information relay unit 130 or the information storage unit 125.

In addition, the customer terminal inputs (or selects) predetermined financial transaction application information through the user interface and transmits the information through the network means, or sends the financial transaction application information from the customer terminal to the rechargeable online account application information. Including and transmitting to, the information receiving unit 120 is characterized in that for receiving the financial transaction application information in conjunction with the interface unit 105, the information relay unit 130 receives the received financial transaction application information Or to the information storage unit 125.

In addition, the client terminal inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits the data through the network means, or at the customer terminal, When the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the chargeable online account application information and transmitted, the information receiver 120 interoperates with the interface unit 105 to provide the non-face-to-face financial transaction. And consent information (or non-face-to-face financial transaction application information), and receives the received non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) from the information relay unit 130 or the information storage unit ( 125).

The information storage unit 125 includes the chargeable online account application information received through the information receiver 120 in the chargeable online account issuing information and stores the predetermined information in a predetermined storage medium. Web server 100 (or web server 100 operating institution) is a basis for receiving a fee for attracting customers for the chargeable online account application from the financial institution based on the chargeable online account application information stored in the storage medium To provide.

When the rechargeable online account security information is received through the information receiving unit 120, the information storage unit 125 is a rechargeable online account in which the rechargeable online account security information is linked to the rechargeable online account application information. And issuing information is stored in the storage medium, wherein the rechargeable online account security information is stored in the web server 100 (or a financial transaction server using the rechargeable online account) at least using the rechargeable online account. Used to authorize one or more financial transactions.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information storage unit 125 may store the provisional processing agreement information (or Rechargeable online account issuance information linked to the new provision application information is stored in the storage medium, and the new provision processing agreement information (or new provision application information) is the web server 100 (or the A financial transaction server using a rechargeable online account) provides a basis for processing at least one or more financial transactions using the rechargeable online account until the financial real name of the rechargeable online account is verified.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 120, the information storage unit 125 processes the rechargeable prepaid card processing consent information in association with the rechargeable online account application information. And issuing information is stored in the storage medium, and the rechargeable prepaid card processing consent information is financed for the rechargeable online account in the web server 100 (or a financial transaction server using the rechargeable online account). It provides a basis for processing at least one or more financial transactions using the rechargeable online account until the real name is verified with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 agrees to the non-face-to-face financial transaction application information to the rechargeable online account application information. Rechargeable online account issuance information linked to the information (or non-face-to-face financial transaction application information) is stored in the storage medium, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is The web server 100 (or the financial transaction server using the rechargeable online account) provides a basis for processing at least one or more financial transactions using the rechargeable online account until the financial real name of the rechargeable online account is verified.

According to the method of the present invention, the information storage unit 125 is opened by the information processing server 135, a predetermined charge-type online account corresponding to the chargeable online account application information is opened, the web server 100 The chargeable online account information opened by the information processing server 135 to process at least one or more financial transactions using the chargeable online account (or a financial transaction server using the chargeable online account). Rechargeable online account information, which is further included in the chargeable online account issuing information, is stored in a storage medium, or the chargeable online account application information included in the chargeable online account issuing information is opened by the information processing server 135. It is preferable to replace with, and thereby the present invention is not limited.

Here, the rechargeable online account information may include an online account number in the form of a prepaid card number generated by the provisional opening unit 145 and the prepaid card processing unit 150 of the information processing server 135 and the rechargeable online account. It is preferable to include the account holder information corresponding to the customer information included in the application information, the web server 100 operating institution information and the financial institution information that the rechargeable online account is opened.

The information relay unit 130 is an information processing server provided in a financial institution corresponding to the chargeable online account product through a predetermined communication means for the chargeable online account application information received through the information receiving unit 140 ( 135) relay transmission.

Here, the communication means for connecting the web server 100 and the information processing server 135, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 135, or the web Secure communication network that provides a secure communication function between the server 100 and the information processing server 135 (eg, the web server 100 encrypts the rechargeable online account application information by using a predetermined encryption method and the information processing server 135). ) And a communication network for decrypting the chargeable online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 135.

When the rechargeable online account security information is received through the information receiving unit 140, the information relay unit 130 corresponds to the rechargeable online account product through the predetermined communication means. It is characterized in that the relay transmission to the information processing server 135 provided in the financial institution, whereby the information processing server 135 is the charge-type online account in the web server 100 to the financial system provided in the financial institution Open a rechargeable online account that can process financial transactions with security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 140, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. And relaying the data to the information processing server 135 provided in the financial institution corresponding to the rechargeable online account product, by means of which the information processing server 135 is transferred to the financial system provided in the financial institution. A chargeable online account corresponding to the chargeable online account application information is opened under a new provision.

When the financial transaction application information is received through the information receiver 140, the information relay unit 130 includes the financial transaction application information in a financial institution corresponding to the rechargeable online account product through a predetermined communication means. Characterized in that the transmission to the information processing server 135, so that the information processing server 135 is provided with the financial institution, even if the customer request for the online charging account is not a conventional customer of the financial institution The system opens a rechargeable online account corresponding to the rechargeable online account application information in a form that enables at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 140, the information relay unit 130 corresponds to the rechargeable online account product through the predetermined communication means. It is characterized in that the relay transmission to the information processing server 135 provided in the financial institution, whereby the information processing server 135 is a charging type corresponding to the charge-type online account application information to the financial system provided in the financial institution Open an online account in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiver 140, the information relay unit 130 may request the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed to the information processing server 135 provided in the financial institution corresponding to the rechargeable online account product through a predetermined communication means, whereby the information processing server 135 transmits the information to the financial institution. In the financial system provided at the web server 100 opens a rechargeable online account for processing the financial transaction using the rechargeable online account in a non-face-to-face manner.

According to another exemplary embodiment of the present invention, when the information processing server 135 has a web server 100 function or the information processing server 135 is a predetermined banking server, the information relay 130 Is connected to the customer terminal and the information processing server 135 by relay connection, the information processing server 135 from the customer terminal from the chargeable online account application information (or false information processing agreement information (or false information application) Information), or a predetermined user interface for receiving online account security information, financial transaction application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is possible to relay to provide directly, whereby the information processing server 135 from the customer terminal via the predetermined network means the rechargeable online Account Application Information (or Tentative Processing Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Rechargeable Prepaid Card Processing Agreement Information, or Non-Faceless Financial Transaction Agreement Information (or Non-Faceless Financial) It is possible to directly receive the transaction application information)), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one web server 100 and the information processing server 135 may be relayed between the web server 100 and the information processing server 135 or the web server may be used. A predetermined relay server (not shown) which relays the 100 and the at least one information processing server 135 or relays the at least one or more web servers 100 and the at least one information processing server 135 is further provided. It is possible that the present invention is not limited thereby.

Referring to FIG. 1, the information processing server 135 may be charged online account application information (or false information processing agreement information (or false information request information)) provided from the web server 100 through the communication means. An information receiver 140 for receiving online account security information, financial transaction application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); and a predetermined financial system. A new provision opening unit 145 (or an account opening means) for opening a chargeable online account corresponding to the chargeable online account application information received through the information receiving unit 140 as a new provision in association with A prepaid card processing unit 150 (or an account opening means) for processing a rechargeable online account opened with a prepaid card and a prepaid rechargeable online account in the form of a prepaid card. The banking management unit 155 (or account opening means) that manages until the real name verification for the rechargeable online account application customer, and the finance for the rechargeable online account opened as a new provision in response to the charging online account application information A real name verification unit 160 (or an account opening means) for confirming that the real name of the transaction request customer is confirmed within a predetermined real name verification period, and a chargeable online account opened in a temporary manner in response to the rechargeable online account application information. If the real name is confirmed, it is characterized in that it comprises a new account processing unit 165 (or account opening means) for processing the charge-type online account opened in the new provision as a new financial account.

The information receiving unit 140 may be charged online account application information (or false new processing agreement information (or false new application information), or online account security information or financial information provided from the web server 100 through the communication means). Receiving the transaction application information, the rechargeable prepaid card processing agreement information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information); Recall processing consent information (or new application information), online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information); Provided to the provisions of the new provision 145.

Rechargeable online account application information (or false new processing agreement information (or false new application information), or online account security information, financial transaction application information, etc.) provided from the web server 100 according to one embodiment of the present invention, Or when the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is encrypted, the information receiving unit 140 of the encrypted rechargeable online account application information (or pseudonym processing). Decrypting consent information (or new application information), online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) It is preferable to further comprise a function.

The new provision establishment unit 145 is the chargeable online account application information (or the new provision processing agreement information (or new provision application information), or online account security) from the web server 100 through the information receiving unit 140 Information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), if provided; Read consent information (or new application information), online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) Through the predetermined financial system, the rechargeable online account application information (or the provisional processing consent information (or the provisional application information), or the online account information) Characterized by opening a rechargeable online account corresponding to information, financial transaction application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). .

Here, the new provision opening unit 145 is the rechargeable online account application information (or false new processing agreement information (or new provision application information), or online account security information, financial transaction application information, or rechargeable prepaid card processing) Opening a recharging online account corresponding to agreement information or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a new basis is based on the recharge type in the ledger D / B provided on the financial system. Online Account Application Information (or Tentative Processing Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Rechargeable Prepaid Card Processing Agreement Information, or Non-face-to-face Financial Transaction Agreement Information (or Non-face-to-face) Predetermined customer ledger corresponding to financial transaction application information)) (or may be omitted if the customer ledger is already registered) or at least one online account member Characterized in that it comprises a register (e. G., Received ledger corresponding to the filled-type online account application information).

According to an embodiment of the present invention, the online ledger for the rechargeable online account corresponding to the rechargeable online account application information corresponds to a newly opened rechargeable online account based on the rechargeable online account application information. It is preferable to register with the ledger D / B in the form of an account ledger, and store predetermined false information for managing the chargeable online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the rechargeable online account corresponding to the rechargeable online account application information is a virtual account associated with a predetermined parent account based on the rechargeable online account application information. It is preferable to be registered in the ledger D / B in the form of an account ledger corresponding to the above, wherein the parent account is to register the customer financial account, or the rechargeable online account already opened in the ledger D / B on the financial system To this end, it is possible to include at least one or more of the financial institution accounts already established in the ledger D / B on the financial system, thereby the present invention is not limited.

The rechargeable online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transaction and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore the non-real name financial account is Financial transactions are a violation of the above laws.

However, it is possible to deposit a predetermined amount (or deposit amount) into the rechargeable online account by the Financial Real Name Transaction and Secret Guarantee Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the new provision establishment unit 145 is the chargeable online account application information (or new provision processing agreement information (or new provision application information), or online account security information received through the web server 100, or Based on financial transaction application information, rechargeable prepaid card processing agreement information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), the charge is linked with an external system or information system provided in the financial system. A procedure of opening a type online account (for example, a procedure of registering a predetermined online ledger) is performed, and the result is provided to the prepaid card processing unit 150.

Those skilled in the art to which the present invention pertains, the provisional opening section 145 to open the rechargeable online account in conjunction with the financial system (for example, to register a predetermined online ledger) Since you will be familiar with the detailed procedure, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 150 is characterized in that for processing the charge-type prepaid card (or online ledger) opened by the new provision opening unit 145, a rechargeable prepaid card, wherein It is possible to withdraw a predetermined deposit amount (or a recharge amount) without violating the Financial Real-name System Transaction and Confidentiality Act and Presidential Decree (No. 15744).

In addition, it is preferable that the rechargeable online account processed by the prepaid card processing unit 150 as a rechargeable prepaid card has a function of an interest rate-linked rechargeable prepaid card in which a predetermined interest is calculated in the charged amount.

According to the exemplary embodiment of the present invention, the prepaid card processing unit 150 replaces the account ledger information included in the online account ledger with the rechargeable prepaid card information, so that the charge opened by the provisional opening establishment unit 145. It is desirable to treat a type online account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 150 replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, and converts the account interest rate into a prepaid card interlocked interest rate. By replacing the account password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with the rechargeable prepaid card charge, thereby opening the charge established by the provisional opening unit 145. It is desirable to treat a type online account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 150 processes the predetermined prepaid rechargeable prepaid card information in relational form in the online ledger, and the charging established by the provisional opening unit 145. It is desirable to treat a type online account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 150 deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN and the like, it is preferable to treat the rechargeable online account (or online ledger) opened by the provisional opening unit 145 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 150 stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online ledger is registered. It is preferable that the rechargeable online account (or online ledger) opened by the opening unit 145 be treated as a rechargeable prepaid card.

For example, the prepaid card processing unit 150 deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing the rechargeable prepaid card information including the card PIN in a predetermined database linked to the ledger D / B registered with the online ledger, the rechargeable online account opened by the provisional opening unit 145 ( Or online account ledger) with a rechargeable prepaid card.

Thereafter, the provisional management unit 155 is characterized in that the operation of the chargeable prepaid card opened before the confirmation of the real name for the customer request for the rechargeable online account opened with the new provisions.

According to an embodiment of the present invention, the provisional management unit 155 charges the deposit amount to the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the rechargeable online account through the financial system. It is characterized by processing by doing.

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the rechargeable online account, the new management unit 155 uses the amount charged to the rechargeable prepaid card. It is characterized by processing.

In addition, when interest is calculated for the amount deposited in the rechargeable online account (or charged in the rechargeable prepaid card) through the financial system, the new provision management unit 155 receives the interest in the rechargeable prepaid card. It is characterized by charging.

By processing the rechargeable online account as a rechargeable prepaid card as described above, the provisional management unit 155 is the law and the concurrent law on financial real name transaction and confidentiality until the real name of the rechargeable online account is verified (Presidential No. 15744). Prevent violations.

The real name verification unit 160 is the law on the financial real-name system trading and confidentiality while the charge-type online account opened by the new provision establishment unit 145 is managed by the new provision management unit 155 and According to the financial real name verification procedure corresponding to the concurrent act (Presidential No. 15744), it is characterized in that whether the real name of the customer for the charge-type online account application is confirmed within a predetermined real name verification period.

According to an embodiment of the present invention, the real name verification unit 160 is the real name of the customer of the application for the rechargeable online account for the rechargeable online account through the window terminal financial transaction system through the window terminal associated with the financial system It is desirable to confirm that this is confirmed.

According to another exemplary embodiment of the present invention, the customer who is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is applying for the rechargeable online account is an Internet banking customer corresponding to the financial institution ( For example, when the financial institution has performed a real name verification process for the customer who applied for the rechargeable online account), the real name verification unit 160 performs the authentication based on the real name verification process defined in the Internet banking system. It is desirable to verify that the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed.

According to another exemplary embodiment of the present invention, the customer who is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is applying for the rechargeable online account is a wireless banking customer corresponding to the financial institution. (For example, when the financial institution has performed the real name verification process for the customer who is applying for the rechargeable online account), the real name verification unit 160 through the official certificate-based real name verification process defined in the wireless banking system. It is preferable to confirm whether the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed.

According to another exemplary embodiment of the present invention, a customer who applies for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who applies for the rechargeable online account corresponds to the financial institution. Or a TV banking customer (e.g., when the financial institution has actually implemented a clear procedure for the customer who applied for the rechargeable online account), the real name verification unit 160 is authorized to be defined in the wireless banking system. Through a certificate-based real name verification procedure, it is possible to confirm whether the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 160 is provided in the financial system (or provided to a financial institution) so as to confirm the real name of the customer for the rechargeable online account application within a predetermined real name verification period. It is desirable to periodically request the customer to apply for the real name of the rechargeable online account using the telemarketing function.

Alternatively, the real name verification unit 160 is a DM (Direct Mail) provided in the financial system (or provided in a financial institution) in order to confirm the real name of the customer who applied for the rechargeable online account within a predetermined real name verification period. It is desirable to periodically request the customer to apply for the online account using the rechargeable online account using the function).

Alternatively, when the customer is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, the real name verification unit 160 to confirm the real name of the customer for the rechargeable online account application within a predetermined real name verification period. To this end, the customer requesting the rechargeable online account, the terminal terminal-based financial transactions corresponding to the financial institution, or financial terminal-based financial transactions, including the CD / ATM, or Internet banking-based financial transactions, or wireless banking-based financial transactions, Or during a telebanking-based financial transaction, a home banking-based financial transaction, or a TV banking-based financial transaction, in connection with the financial transaction system, requesting the customer to apply for the rechargeable online account to perform a real name verification procedure for the rechargeable online account. It is desirable to.

If the real name for the rechargeable online account application customer is confirmed within a predetermined real name verification period, the real name verification unit 160 generates real name identification information for the customer for the rechargeable online account application and generates the new account processing unit ( 165).

Or, if the real name for the rechargeable online account application customer is confirmed within the real name verification period, the real name verification unit 160 generates unrealized name information for the customer for the rechargeable online account application to generate the new account processing unit ( 165).

When the real name confirmation information is provided from the real name confirmation unit 160, the real name confirmation information including the confirmed name of the customer for the charge-type online account application within the real name confirmation period, the new account processing unit 165 is linked with the financial system By using the new provision opening unit 145 or the new provision management unit 155, characterized in that the processing of the charge-type online account processed as a new new effective financial account.

According to the method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 160, the real name confirmation information including that the real name for the charge-type online account request customer is provided within the real name confirmation period, the new account processing unit ( 165 is valid for all financial transactions of the rechargeable online account processed by the provisional opening section 145 or the provisional management section 155 as a provisional provision in connection with an external or information system provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited with the opened rechargeable online account is not withdrawn by any financial transaction until the real name verification for the rechargeable online account is established, the new account processor Preferably, 165 releases the lock on the rechargeable online account in connection with an external or information system provided in the financial system, whereby all the financial transactions are handled by the pseudonym. It will be processed as valid new financial account as possible.

According to another exemplary embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened rechargeable online account is linked with the rechargeable online account to prevent withdrawal. When transferred to a predetermined virtual account provided, the new account processing unit 165 transfers the amount deposited in the withdrawal prevention virtual account to the rechargeable online account in association with an external system or information system provided in the financial system. It is desirable to withdraw (or re-transfer) or to remove (or erase) the withdrawal virtual account, whereby the provisional online account processed as the provisional transaction is processed as a valid new financial account capable of all financial transactions. .

According to another embodiment of the present invention, the banking system is provided with a new account processing mother account for the chargeable online account, and the opened charge online account withdrawal prevention function associated with the new account processing mother account When the predetermined amount is deposited (or deposited) into the chargeable online account processed as the virtual account with the withdrawal prevention function by being processed with the provided virtual account, the new account processing unit 165 sends to the financial system. Release the withdrawal prevention function of the rechargeable online account processed with the virtual account provided with the withdrawal prevention function in association with the external account or information system provided, and provide a virtual account function associated with the parent account for the new provision processing (or Erasing) and processing into the rechargeable online account, whereby the provisional online account processed by the pseudonym It is treated as a valid new financial account that can be financed.

According to the method of the present invention, when the new account processing unit 165 processes the chargeable online account as a valid new financial account capable of all financial transactions, the information receiving unit 140 displays the date of establishment of the chargeable online account. Rechargeable online account application information (or false new processing consent information (or false new application information), or online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-return information from web server 100). Either the date of receiving the face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) or the date when the temporary opening unit 145 opened the rechargeable online account on the financial system as a temporary section. It is desirable to apply retrospectively as of the date.

2 is a view showing the configuration of the chargeable online ledger information according to an embodiment of the present invention.

In more detail, FIG. 2 stores an online ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. Shows the configuration of the rechargeable online account ledger information for processing a predetermined account, and specifically, by replacing the account ledger information included in the online ledger registered in the ledger D / B with rechargeable prepaid card information, It relates to a method of processing a rechargeable online account corresponding to the online ledger with a rechargeable prepaid card.

Persons of ordinary skill in the art to which the present invention pertains may refer to or modify this figure 2 to open a predetermined online account in the ledger D / B and operate a prepaid card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information configuration methods for the online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

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 further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, 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. In addition, the customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, and a minor.

According to another exemplary embodiment of the present invention, the provisional opening unit 145 or the provisional management unit 155 of the information processing server 135 shown in FIG. 1 is connected to an external system or information system provided in the financial system. To include the customer wireless terminal information in the online ledger for processing at least one or more financial transactions in a non-face-to-face manner without a financial certificate, or to any additional information associated with the customer ledger or the online ledger. It is possible to include, by which the present invention is not limited.

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 online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one (day), period extension, maturity date, and target amount, or account number, deposit amount, par value, pension date, and number of shares corresponding to the account ledger. Trust receipt information containing at least one, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction Transaction information including at least one bank account line, summary, CIF, and the like.

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

According to the method of the present invention, in order to process the online ledger as a pseudonym account, the provisional opening section 145 or the provisional management section 155 of the information processing server 135 shown in FIG. In conjunction with the external or information system provided in the system, including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, extension of the real name verification period, and deposit before real name verification for the rechargeable online account And generating predetermined trail processing information, and storing the generated trail processing information in association with additional information corresponding to the online ledger.

Here, the false information processing information is generated based on the chargeable online account application information or false information processing agreement information (or false information application information) received from the customer terminal on the rechargeable online account registration system shown in FIG. Preferably, when the provisional processing agreement information (or provisional application information) is omitted in the rechargeable online account registration system shown in FIG. 1, the provisional processing information provided in the online ledger is also omitted. It is preferable that the present invention is not limited thereby.

The account number (or prepaid card number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the rechargeable online account, and the account of the rechargeable online account that has been provisionally processed according to the present invention. It includes a number (or prepaid card number).

In addition, when the provisional establishment date of the new provision processing information is the date when the chargeable online account was opened on the ledger D / B, when the real name of the customer applying for the provisional online account processed with the provisional provision is confirmed, The chargeable online account corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer who applied for the rechargeable online account for the rechargeable online account within the real name verification expiration date must be confirmed do.

In addition, the extension of the real name verification period of the pseudonym processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer requesting the rechargeable online account confirmation If a problem arises that it is difficult to verify the customer's real name for the rechargeable online account for the rechargeable online account within the expiration date, or if the provisional term information includes the automatic extension terms for the expiration date of the real name verification, the real name verification After the expiration date, the real name of the customer who applied for the rechargeable online account for the rechargeable online account is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further automatically extended by the period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation information of the new provision processing information, if a predetermined amount is deposited into the rechargeable online account before the real name of the customer requesting the rechargeable online account for the rechargeable online account, the rechargeable online As the amount information deposited into the account, the real name pre-determination deposit is matched with the balance of the account of the online ledger (eg, the amount of the prepaid rechargeable card).

According to another exemplary embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online ledger (not shown), or other ledgers other than the online ledger (eg, a customer). It may be stored in the form of additional information added to the ledger, or in the form of information included in other ledgers (for example, customer ledgers) other than the online account ledger, and thus the present invention is not limited thereto.

Referring to FIG. 2, the prepaid card processing unit 150 of the information processing server 135 illustrated in FIG. 1 connects the online ledger to a rechargeable prepaid card in association with an external system or an information system provided in the financial system. For processing, the account number included in the online ledger is replaced with a predetermined prepaid card number, the product type is replaced with a "rechargeable prepaid card" product, the account interest rate is replaced with a prepaid card linked rate, account password Is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the rechargeable online account until the customer confirms the real name of the rechargeable online account, and is a prepaid card of a financial institution equipped with the financial system. It is preferable to include a number system, and it is preferable to reduce the real name to the account number of the new financial account processed.

In addition, the prepaid card type is preferably made of information to confirm that the rechargeable online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, new name processed after the real name is verified It is preferable to reduce the product type of the financial account.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= rechargeable online account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

The prepaid card interlock rate may be an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the rechargeable online account. After that, it is preferable to reduce the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account, It is preferable to reduce the account password of the new financial account processed name.

3 is a view showing the configuration of a chargeable online account ledger information according to another embodiment of the present invention.

In more detail, Figure 3 stores the online ledger in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1, the rechargeable online account Shows the configuration of the rechargeable online account ledger information for processing a predetermined account, and specifically, by linking and storing predetermined rechargeable prepaid card information in the online ledger registered in the ledger D / B And a method of processing a rechargeable online account corresponding to the online ledger with a rechargeable prepaid card.

Persons of ordinary skill in the art to which the present invention pertains may refer to or modify this figure 3 to open a predetermined online account in the ledger D / B and operate a prepaid card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception 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 further includes at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, or account number, deposit amount, par value, and pension corresponding to the account ledger. Trust reception information including at least one or more days and the number of shares, or an account number corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

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

According to the present invention, the provisional opening section 145 or the provisional management section 155 of the information processing server 135 shown in FIG. 1 is connected to an external system or information system provided in the financial system, and the charging is performed. Generate predetermined false processing information including account number (or prepaid card number), false date of establishment of a blind date, real name verification expiration date, extension of real name confirmation period, and deposit before real name confirmation, The processing information may be stored in association with the additional information corresponding to the online ledger.

The account number (or prepaid card number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the rechargeable online account, and the account of the rechargeable online account that has been provisionally processed according to the present invention. It includes a number (or prepaid card number).

In addition, when the provisional establishment date of the new provision processing information is the date when the chargeable online account was opened on the ledger D / B, when the real name of the customer applying for the provisional online account processed with the provisional provision is confirmed, The chargeable online account corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer requesting a rechargeable online account for the rechargeable online account within the real name verification expiration date do.

In addition, the extension of the real name verification period of the pseudonym processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer requesting the rechargeable online account confirmation If a problem arises that it is difficult to verify the customer's real name for the rechargeable online account for the rechargeable online account within the expiration date, or if the provisional term information includes the automatic extension terms for the expiration date of the real name verification, the real name verification After the expiration date, the real name of the customer who applied for the rechargeable online account for the rechargeable online account is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation information of the new provision processing information, if a predetermined amount is deposited into the rechargeable online account before the real name of the customer requesting the rechargeable online account for the rechargeable online account, the rechargeable online As the amount information deposited into the account, the real name pre-determination deposit is matched with the balance of the account of the online ledger (eg, the amount of the prepaid rechargeable card).

According to another exemplary embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online ledger (not shown), or other ledgers other than the online ledger (eg, a customer). It may be stored in the form of additional information added to the ledger, or in the form of information included in other ledgers (for example, customer ledgers) other than the online account ledger, and thus the present invention is not limited thereto.

Referring to FIG. 3, the prepaid card processing unit 150 of the information processing server 135 illustrated in FIG. 1 connects the online ledger to a rechargeable prepaid card in association with an external system or an information system provided in the financial system. In order to process, the account number, product type, interest rate, password, etc. contained in the online ledger is deactivated, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid card PIN And rechargeable prepaid card information including customer wireless terminal information, and the like, which are linked and processed as additional information of the online ledger.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the rechargeable online account until the customer confirms the real name of the rechargeable online account, and is a prepaid card of a financial institution equipped with the financial system. It is preferable to include a number system, and it is preferable to reduce the real name to the account number of the new financial account processed.

In addition, the prepaid card type is preferably made of information to confirm that the rechargeable online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, new name processed after the real name is verified It is preferable to reduce the product type of the financial account.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= rechargeable online account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

The prepaid card interlock rate may be an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the rechargeable online account. After that, it is preferable to reduce the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account, It is preferable to reduce the account password of the new financial account processed name.

In addition, the customer wireless terminal information also corresponds to an authentication number defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account. desirable.

4 is a diagram showing the configuration of the charging online account ledger information according to another embodiment of the present invention.

In more detail, Figure 4 is provided with a predetermined online ledger in accordance with the conventional account ledger information configuration in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1, and associated with the ledger D / B By providing the prepaid transaction information and the rechargeable prepaid card information associated with the online account ledger in a predetermined database, the predetermined online account ledger according to the conventional account ledger information configuration can be converted into a prepaid rechargeable prepaid card and an online account ledger in the form of a new account. As shown in FIG. 4, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 4 and link the online ledger to a predetermined database linked to the ledger D / B. It can be inferred from the various information configuration methods for storing the new processing information and the rechargeable prepaid card information, The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 4, when it is not easy to store the provisional processing information or the chargeable prepaid card information in the ledger D / B on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B is not easy to change, or the system is not easy to expand due to the nature of the financial system), and store the new transaction information or rechargeable prepaid card information in a predetermined database instead of the ledger D / B, and The implementation method of linking and storing a database and the ledger D / B is illustrated.

Referring to Figure 4, the database is characterized in that for storing the new provision information or rechargeable prepaid card information, the trail new processing information or rechargeable prepaid card information to be processed in association with the ledger D / B Preferably, the processing information or the rechargeable prepaid card information further includes a CIF number matching the customer ledger of the ledger information and an account number matching the online ledger.

In FIG. 4, the new provision processing information stored in the database is characterized by including the account number for the financial account, the new provision establishment date, the real name verification expiration date, extension of the real name verification period, deposit before real name verification.

Here, the false information processing information is generated based on the chargeable online account application information or false information processing agreement information (or false information application information) received from the customer terminal on the rechargeable online account registration system shown in FIG. It is preferable.

The account number (or prepaid card number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the rechargeable online account, and the account of the rechargeable online account that has been provisionally processed according to the present invention. It includes a number (or prepaid card number).

In addition, when the provisional establishment date of the new provision processing information is the date when the chargeable online account was opened on the ledger D / B, when the real name of the customer applying for the provisional online account processed with the provisional provision is confirmed, The chargeable online account corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer requesting a rechargeable online account for the rechargeable online account within the real name verification expiration date do.

In addition, the extension of the real name verification period of the new provision processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer requesting the rechargeable online account If a problem arises that it is difficult to verify the real name of the customer who applied for the rechargeable online account for the rechargeable online account within the expiration date, or if the provisional term information includes the automatic extension of the term for the expiration of the real name, the real name Even after the expiration date of the confirmation, the real name of the customer who applied for the rechargeable online account for the rechargeable online account is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation information of the new provision processing information, if a predetermined amount is deposited into the rechargeable online account before the real name of the customer requesting the rechargeable online account for the rechargeable online account, the rechargeable online As the amount information deposited into the account, the real name pre-determination deposit is matched with the balance of the account of the online ledger (eg, the amount of the prepaid rechargeable card).

In FIG. 4, the rechargeable prepaid card information stored in the database includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card linkage rate, a prepaid card PIN, and a customer wireless terminal information. It is done.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the rechargeable online account until the customer confirms the real name of the rechargeable online account, and is a prepaid card of a financial institution equipped with the financial system. It is preferable to include a number system, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type is preferably made of information to confirm that the rechargeable online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, new name processed after the real name is verified It is preferable to reduce the product type of the financial account.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= rechargeable online account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

The prepaid card interlock rate may be an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the rechargeable online account. After that, it is preferable to reduce the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account, It is preferable to reduce the account password of the new financial account processed name.

In addition, the customer wireless terminal information also corresponds to an authentication number defined for the customer to process at least one or more financial transactions through the rechargeable online account in a non-face-to-face manner without a certificate before the real name verification of the rechargeable online account. desirable.

5 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined user interface for charging an online account to the customer terminal, the user terminal provides a user interface through the charging online account application. Input (or select) predetermined rechargeable online account application information to the web server 100 through a predetermined network means, and apply for the rechargeable online account through the predetermined communication means in the web server 100. Regarding the process of providing the information to the information processing server 135 provided in the financial institution, those of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 5 in the customer terminal Be able to infer various implementation methods for providing the rechargeable online account application information to the information processing server 135 through the web server 100. However, the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, the customer terminal provides only the chargeable online account application information to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the server 100 to the customer terminal, in addition to the chargeable online account application information, the new terminal processing consent information (or new application information), or online account security information, or financial transaction in the customer terminal. It is possible to infer an implementation method of providing application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), but the present invention can be inferred from the customer terminal. Consent information (or new application information), or online account security information, or financial transaction application information, or An implementation method of providing the prepaid prepaid card processing consent information or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information), and the present invention is not limited thereto.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to a security function provided in the communication means for connecting the web server 100 and the information processing server 135 The chargeable online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)), and the information processing server 135 transmits the chargeable online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information). Or decrypt financial transaction application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It would be able to infer when the method, the invention comprises a method embodiment in which the inference, to which the present invention is not limited.

Referring to FIG. 5, the customer terminal illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired or wireless communication network (500), and the web server 100 is connected to the web server 100. Using at least one web-based service provided (505), at this time, the web-based service screen provided by the web server 100 to the customer terminal to apply for a predetermined rechargeable online account for registering the rechargeable online account Preferably, a menu interface for requesting a user interface is included.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the web server 100 may register the rechargeable online account with the rechargeable online account application user interface from the customer terminal. It periodically checks whether a user interface requesting a rechargeable online account is requested (510). If the financial instrument requesting interface is requested from the customer terminal (515), the web server 100 provides a predetermined number to be provided to the customer terminal. Generate a chargeable online account application user interface (or extract from a predetermined web source D / B (not shown)) 520 and provide the chargeable online account application user interface to the terminal through the network means; (525).

Thereafter, the customer terminal inputs (or selects) predetermined charging online account application information through the rechargeable online account application user interface (530), and the rechargeable online account application information is applied (or purchased) by the customer. To the online account product selection information for selecting at least one online account product, the terms and conditions agreement information corresponding to the chargeable online account product, the chargeable online account deposit amount information, and the chargeable online account application customer. It is preferable to include at least one customer information for.

When the chargeable online account application information is input (or selected) as described above, the customer terminal transmits the chargeable online account application information to the web server 100 through the network means (535).

According to an embodiment of the present invention, the rechargeable online account application user interface may include an account password for an online account corresponding to the rechargeable online account application information, or at least one non-face-to-face financial transaction through the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords for processing.

In addition, the rechargeable online account security information is a predetermined personal identification number (PIN) or customer wireless for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further comprise terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 100 through the network means, or further include the rechargeable online account security information in the chargeable online account application information. Send to server 100.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 100 in order to secure the back. desirable.

According to an embodiment of the present invention, it is specified that the rechargeable online account application user interface is subject to the provisional online account until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Outputting the provisional provisional terms information and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before the verification of the financial real name of the rechargeable online account) to the customer terminal, and the customer Interface for inputting (or selecting) false provisions agreement information for agreeing to the false provisions terms and conditions and provisional processing period information, or provisional subscription information for the customer to apply for provisional processing for the rechargeable online account. It is preferable to comprise a.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional provision processing agreement information (or provisional application information) is transmitted to the web server 100 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information), and is transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name for the online account corresponding to the rechargeable online account product is processed and operated as a provisional rule, the rechargeable online account application user interface is processed as the provisional regulation. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account, the rechargeable online account is processed with a predetermined rechargeable prepaid card to output the rechargeable prepaid card processing information to the customer terminal. It is preferred that the customer includes an interface for inputting (or selecting) rechargeable prepaid card processing consent information to agree to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the rechargeable online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal and confirming the consent may be omitted. Do.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal, the customer terminal inputs (or selects) the rechargeable prepaid card processing consent information through the interface, and then enters the input ( Or) transmitting the charged prepaid card processing consent information to the web server 100 through the network means, or further including the rechargeable prepaid card processing consent information in the rechargeable online account application information. It transmits to the web server 100 through.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). The at least one customer account is not opened, or if the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution), the user interface for the rechargeable online account is It is preferable to include an interface for outputting financial transaction application terms and conditions information for processing the first financial transaction with a financial institution, and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer As such, the interface for applying for the financial transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 100 through the network means. send.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not open, or the customer who applied for the rechargeable online account has no history of financial transactions with the financial institution; or the customer who applied for the rechargeable online account does not face the financial institution. If the customer is not a financial transaction customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the rechargeable online account application user interface may be connected to the financial institution at least one or more of the financial institutions. Process at least one non-face-to-face financial transaction through a face-to-face financial transaction channel The non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) It is preferable to include an interface for inputting (or selecting) non-face-to-face financial transaction agreement information for agreeing the information, or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, or the rechargeable type If non-face-to-face financial transaction authentication can be omitted for a financial transaction using an online account, the customer is a face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through at least one non-face-to-face financial transaction channel. The interface for agreeing (or applying for) may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. Or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the rechargeable online account application information to the web server 100 through the network means.

Thereafter, the web server 100 may include the rechargeable online account application information (or the provisional processing agreement information (or the provisional application information), the online account security information, the financial transaction application information, or the rechargeable prepaid card processing consent information). Alternatively, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received and stored in a predetermined storage medium (540).

According to another exemplary embodiment of the present invention, the storing of the rechargeable online account application information in the storage medium may include the web server 100 (or the web server 100 operator) and the information processing server 135 ( Or it may be omitted in accordance with the business cooperation agreement between the financial institutions, thereby the present invention is not limited.

Thereafter, the web server 100 transmits the charge-type online account application information to the information processing server 135 through a predetermined communication means (545), and the information processing server 135 via the communication means. The rechargeable online account application information provided from the web server 100 is received (550).

6 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in the form of a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined user interface for a user account for charging, the user terminal receives the user interface through the user interface. Input (or select) and encrypt predetermined rechargeable online account application information to provide to the web server 100 through predetermined network means, and decrypt the rechargeable online account application information in the web server 100. The process of providing the charge-type online account application information to the information processing server 135 provided in the financial institution through a predetermined communication means, if one of ordinary skill in the art to which the present invention belongs The rechargeable online account from the client terminal to the information processing server 135 through the web server 100 by referring to FIG. 6 or modified. Would be able to infer a variety of exemplary ways to provide a blue information, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method is also indicated in the figure 6.

For example, in FIG. 6, the customer terminal provides only the chargeable online account application information to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the server 100 to the customer terminal, in addition to the chargeable online account application information, the new terminal processing consent information (or new application information), or online account security information, or financial transaction in the customer terminal. It is possible to infer an implementation method of providing application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), but the present invention can be inferred from the customer terminal. Consent information (or new application information), or online account security information, or financial transaction application information, or An implementation method of providing the prepaid prepaid card processing consent information or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information), and the present invention is not limited thereto.

In addition, if those skilled in the art to which the present invention belongs, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 135 in the The rechargeable online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)), and the information processing server 135 transmits the chargeable online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information). Or decrypt financial transaction application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It would be able to infer when the method, the invention comprises a method embodiment in which the inference, to which the present invention is not limited.

Referring to FIG. 6, the client terminal illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired or wireless communication network (600), and the web server 100 is connected to the web server 100. Using at least one web-based service provided (605), at this time, the web-based service screen provided by the web server 100 to the customer terminal in the application of a predetermined rechargeable online account for registering the rechargeable online account Preferably, a menu interface for requesting a user interface is included.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the web server 100 may register the rechargeable online account with the rechargeable online account application user interface from the customer terminal. Periodically check whether the user interface request for a rechargeable online account request is requested (610), if the financial product request interface is requested from the customer terminal (615), the web server 100 is provided with a predetermined security function Generate a chargeable online account application user interface (or extract it from a predetermined web source D / B (not shown)) (620), and provide the chargeable online account application user interface to the mobile terminal through the network means; (625).

The security function provided in the rechargeable online account request user interface may include a function of encrypting the charged online account application information input (or selected) by the customer terminal using a predetermined encryption method or the rechargeable online account application information. And at least one function of attaching the electronic signature of the customer to the client, preferably in the form of a security program linked with the user interface for the rechargeable online account application, wherein the security program is the rechargeable online account. Preferably, at least one encryption key for encrypting the application information is provided.

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

Thereafter, the customer terminal inputs (or selects) predetermined charging online account application information through the rechargeable online account application user interface (630), and the rechargeable online account application information is applied (or purchased) by the customer. To the online account product selection information for selecting at least one online account product, the terms and conditions agreement information corresponding to the chargeable online account product, the chargeable online account deposit amount information, and the chargeable online account application customer. It is preferable to include at least one customer information for.

When the chargeable online account application information is input (or selected) as described above, the customer terminal converts the chargeable online account application information into a predetermined encryption scheme through a security function provided in the user interface for the rechargeable online account application. Encrypt (or attach the electronic signature of the customer to the rechargeable online account application information) (635), and transmit the encrypted rechargeable online account application information to the web server 100 via the network means. (640).

According to an embodiment of the present invention, the rechargeable online account application user interface may include an account password for an online account corresponding to the rechargeable online account application information, or at least one non-face-to-face financial transaction through the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords for processing.

In addition, the rechargeable online account security information is a predetermined personal identification number (PIN) or customer wireless for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further comprise terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 100 through the network means, or further include the rechargeable online account security information in the chargeable online account application information. Send to server 100.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 100 in order to secure the back. desirable.

According to an embodiment of the present invention, it is specified that the rechargeable online account application user interface is subject to the provisional online account until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Outputting the provisional provisional terms information and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before the verification of the financial real name of the rechargeable online account) to the customer terminal, and the customer Interface for inputting (or selecting) false provisions agreement information for agreeing to the false provisions terms and conditions and provisional processing period information, or provisional subscription information for the customer to apply for provisional processing for the rechargeable online account. It is preferable to comprise a.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional provision processing agreement information (or provisional application information) is transmitted to the web server 100 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information), and is transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name for the online account corresponding to the rechargeable online account product is processed and operated as a provisional rule, the rechargeable online account application user interface is processed as the provisional regulation. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account, the rechargeable online account is processed with a predetermined rechargeable prepaid card to output the rechargeable prepaid card processing information to the customer terminal. It is preferred that the customer includes an interface for inputting (or selecting) rechargeable prepaid card processing consent information to agree to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the rechargeable online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal and confirming the consent may be omitted. Do.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal, the customer terminal inputs (or selects) the rechargeable prepaid card processing consent information through the interface and then inputs the input. (Or optional) transmit the prepaid rechargeable prepaid card processing consent information to the web server 100 through the network means, or further include the prepaid prepaid credit card processing consent information in the rechargeable online account application information. Through the transmission to the web server 100.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). The at least one customer account is not opened, or if the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution), the user interface for the rechargeable online account is And an interface for outputting financial transaction application terms and conditions for processing the first financial transaction with a financial institution and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer As such, the interface for applying for the financial transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 100 through the network means. send.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not opened, or the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution), or the customer who has applied for the rechargeable online account has no face-to-face finance with the financial institution. If the customer is not a trading customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the rechargeable online account application user interface may be connected to the financial institution with at least one non-banking institution. Handle at least one non-face-to-face financial transaction through a face-to-face financial transaction channel Output the non-face-to-face financial transaction terms information (for example, the Internet banking subscription terms information, or the wireless banking subscription terms information, or the TV banking subscription terms information, or the home banking subscription terms information, etc.), and wherein the customer The non-face-to-face financial transaction agreement information agreeing with the terms and conditions information, or the interface for inputting (or selecting) the non-face-to-face financial transaction application information for the customer to apply for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, or the rechargeable type If non-face-to-face financial transaction authentication can be omitted for a financial transaction using an online account, the customer is a face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through at least one non-face-to-face financial transaction channel. The interface for agreeing (or applying for) may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. Or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the rechargeable online account application information to the web server 100 through the network means.

The web server 100 receiving the encrypted charging online account application information through the network means decrypts the charging online account application information with a decryption method corresponding to the encryption method (645), and decrypts the decrypted online account application information. Rechargeable Online Account Application Information (or Tentative Process Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Rechargeable Prepaid Card Processing Agreement Information, or Non-Faceless Financial Transaction Agreement Information (or Non-face-to-face financial transaction application information)) is stored in a predetermined storage medium (640).

According to another exemplary embodiment of the present invention, the storing of the rechargeable online account application information in the storage medium may include the web server 100 (or the web server 100 operator) and the information processing server 135 ( Or it may be omitted in accordance with the business cooperation agreement between the financial institutions, thereby the present invention is not limited.

Thereafter, the web server 100 transmits the charging-type online account application information to the information processing server 135 through a predetermined communication means (645), and the information processing server 135 via the communication means. The rechargeable online account application information provided from the web server 100 is received (650).

7 is a diagram illustrating a process of processing a rechargeable online account as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 7, the information processing server 135 shown in FIG. 1 opens a predetermined chargeable online account based on the chargeable online account application information provided from the web server 100. Regarding the process of processing the online account as a rechargeable prepaid card, those skilled in the art belong to the information processing server 135 shown in FIG. Based on the chargeable online account application information, various implementation methods for processing a chargeable online account as a rechargeable prepaid card may be inferred, but the present invention includes all the inferred implementation methods, thereby limiting the present invention. Not.

For example, in FIG. 7, only the charging type online account application information is provided from the web server 100 to the information processing server 135. However, the present invention includes those skilled in the art. In addition to the rechargeable online account application information, the provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or the rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information), etc., may be inferred to be provided to the information processing server 135, but the present invention may provide the information processing server 135 with the provisional processing agreement information (or the provisional provision). Application information), or online account security information, or financial transaction application information, or prepaid rechargeable card processing consent information, or non-face-to-face financial transactions. The information (or non-face-to-face financial transaction application information) is further provided, and the present invention is not limited thereto.

Hereinafter, in FIG. 7, the information processing server 135 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 or FIG. 6, the web server 100 shown in FIG. 1 from the web server 100 shown in FIG. Provisional application information), or online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). The chargeable online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction consent information ( Or read the non-face-to-face financial transaction application information)) to determine whether the rechargeable online account can be opened (700).

If it is not possible to open the chargeable online account based on the chargeable online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710). The web server 100 transmits the account opening error information to the customer terminal through a predetermined network means (715), thereby terminating the chargeable online account signing procedure based on the chargeable online account application information.

On the other hand, if it is possible to open the chargeable online account based on the chargeable online account application information (705), the server is linked to the financial system, the predetermined chargeable online account corresponding to the chargeable online account application information The service is opened on the financial system as a new provision (720), and the chargeable online account is processed as a rechargeable prepaid card in connection with the financial system (725).

According to the exemplary embodiment of the present invention, the server replaces the account ledger information included in the online account ledger with the rechargeable prepaid card information as shown in FIG. It is desirable to treat the ledger corresponding to the type online account with a rechargeable prepaid card.

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, By replacing a password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge, the correspondent online account opened by the blind new opening unit 145 It is desirable to treat the ledger with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational connection with predetermined rechargeable prepaid card information in the online account ledger, as shown in FIG. It is desirable to treat the ledger corresponding to the type online account with a rechargeable prepaid card.

For example, the server deactivates the account number, product type, interest rate, password, etc. contained in the online ledger, and includes a prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid card PIN, etc. By storing the rechargeable prepaid card information in association, it is preferable to process the ledger corresponding to the rechargeable online account opened by the hidden opening unit 145 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the rechargeable online account opened by the opening unit 145 with a rechargeable prepaid card.

For example, the server deactivates the account number, product type, interest rate, password, etc. contained in the online ledger, and includes a prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid card PIN, etc. By storing the rechargeable prepaid card information in a predetermined database linked to the ledger D / B registered with the online ledger, the ledger corresponding to the rechargeable online account opened by the temporary opening section 145 is rechargeable Processing with a prepaid card is preferred.

8 is a diagram illustrating a real name verification process for a rechargeable online account according to one embodiment of the present invention.

In more detail, FIG. 8 performs a real name verification process for the rechargeable online account processed with the rechargeable prepaid card through the process shown in FIG. 7 through the rechargeable online account registration system shown in FIG. The present invention relates to a process of processing a new financial account, which specifically relates to an implementation method of continuously providing at least one financial transaction through the rechargeable online account without the real name verification by automatically extending the real name verification expiration date.

One of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the present invention to infer various real names for checking the real name of the rechargeable online account processed with the rechargeable prepaid card. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 135 on the rechargeable online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server includes the financial system (or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telebanking system). System, home banking system, and a financial transaction system including at least one TV banking system) in response to the chargeable online account application information, in response to the chargeable online account application for the chargeable online account, whether the real name of the customer is confirmed periodically. (Or at least a terminal terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system). In a customer real name verification event from a financial transaction system that includes one or more Correspondingly) (800).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the rechargeable online account request customer is not confirmed (805), the server checks whether the real name verification period for the rechargeable online account has elapsed in response to the charge online account application information in association with the financial system. Check (810).

If the real name verification period for the rechargeable online account has not elapsed in response to the rechargeable online account application information (815), the server checks the customer's real name for the rechargeable online account processed with the rechargeable prepaid card. Repeat.

On the other hand, if the real name verification period for the rechargeable online account has elapsed in response to the chargeable online account application information (815), the server is associated with the financial system, the real name verification expiration date for the rechargeable online account (for example, the trail By automatically extending the real name verification expiration date included in the rule processing information (820), it is possible to continuously provide at least one or more financial transactions through the rechargeable online account without real name verification.

On the other hand, if the real name of the customer for applying for the rechargeable online account is confirmed within the real name verification period (805), the server connects the rechargeable online account processed with the rechargeable prepaid card to the original rechargeable online in association with the financial system. The account is returned to the account (825), and the chargeable online account is processed as a new financial account whose real name is confirmed in association with the financial system (830).

According to an embodiment of the present invention, when the rechargeable online card in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number, and the prepaid card charge is converted into the account balance. Reduced, the prepaid card interlock rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (835).

9 is a diagram illustrating a real name verification process for a rechargeable online account according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a real name verification process for a rechargeable online account processed with the rechargeable prepaid card through the process shown in FIG. 7 through the rechargeable online account registration system shown in FIG. A process of processing a new financial account of the bank account. Specifically, when the real name verification expiration date has elapsed, the amount of money deposited in the rechargeable online account is transferred to the original account (e.g., a predetermined amount of money transferred to the rechargeable online account). The present invention relates to a method for retrieving an account (or another rechargeable online account) and dormant processing of the rechargeable online account.

One of ordinary skill in the art to which the present invention pertains may refer to various embodiments of the present invention to infer various real names for checking the real name of the rechargeable online account processed by the rechargeable prepaid card by referring to or modifying the present invention. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the information processing server 135 on the rechargeable online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telebanking system. System, home banking system, and a financial transaction system including at least one TV banking system) in response to the chargeable online account application information, in response to the chargeable online account application for the chargeable online account, whether the real name of the customer is confirmed periodically. (Or a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system). Customer real name verification event from a financial transaction system containing at least one or more Check corresponds to) 900.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the rechargeable online account request customer is not confirmed (905), the server checks whether the real name verification period for the rechargeable online account has elapsed in response to the charge online account application information in association with the financial system. Check (910).

If the real name verification period for the rechargeable online account has not elapsed in response to the rechargeable online account application information (915), the server checks the customer's real name for the rechargeable online account processed with the rechargeable prepaid card. Repeat.

On the other hand, if the real name verification period for the rechargeable online account has elapsed in response to the rechargeable online account application information (915), the server is linked with the financial system and the rechargeable online account in response to the rechargeable online account application information. The amount deposited in the bank account is returned to a predetermined original account (e.g., a financial account in which a predetermined investment amount (or deposit amount) is deposited into a rechargeable online account corresponding to the rechargeable online account application information), The chargeable online account is processed as a dormant account in response to the account application information (920).

On the other hand, if the real name of the customer who applies for the rechargeable online account is confirmed within the real name verification period (905), the server connects the rechargeable online account processed with the rechargeable prepaid card to the original rechargeable online in association with the financial system. The account is returned to the account (925), and the chargeable online account is processed into a new financial account whose real name is confirmed in association with the financial system (930).

According to an embodiment of the present invention, when the rechargeable online card in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number, and the prepaid card charge is converted into the account balance. Reduced, the prepaid card interlock rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Subsequently, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (935).

10 is a diagram illustrating a virtual account type online account registration system according to another embodiment of the present invention.

In more detail, FIG. 10 illustrates that when a predetermined customer terminal provides a chargeable online account application information to open a chargeable online account to a predetermined web server 1000 through a predetermined network means, By providing the chargeable online account application information provided from the customer terminal in the server 1000 to a predetermined information processing server 1035 provided in a predetermined financial institution, the information processing server 1035 requests the rechargeable online account application. The present invention relates to a system for opening a rechargeable online account corresponding to information. Specifically, a rechargeable online account in the form of a virtual account having a real account in which the rechargeable online account is operated by a predetermined parent account operating institution is set up. It is a figure which shows a system structure.

Those skilled in the art to which the present invention pertains, various types of charge type in addition to the online account of the virtual account type of the virtual account form of the real account operated by the parent account operating institution by referring to or modifying this drawing 10 Although an implementation method for the system for registering an online account may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains, infer a method of implementing a system for registering a rechargeable online account in the form of a new account with the introduction of the prepaid card concept by referring to or modifying the drawing 10. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, a rechargeable online account registration system for registering a rechargeable online account in the form of a virtual account having a real account operated by the parent account operating institution as a parent account may include predetermined network means. Through the connection to a predetermined web server 1000 (e.g., a portal server, etc.) through a real name verification (e.g., financial real name under the Act on Real-name Financial Transactions and Confidentiality and Simultaneous Enforcement Decree (Presidential Decree 15744)). A client terminal requesting registration (or opening) of the rechargeable online account without confirmation) and providing predetermined charging online account application information corresponding to the registration (or opening) of the rechargeable online account to the web server 1000. And connected with the customer terminal through a predetermined network means to receive predetermined charge type online account application information from the customer terminal. A web server 1000 that provides charging online account application information to an information processing server 1035 provided at a predetermined financial institution, and the web server 1000 is connected to the web server 1000 through predetermined communication means. Receive the chargeable online account application information from), and based on the received chargeable online account application information to open the process of a chargeable online account corresponding to the chargeable online account application information in the customer's name as a new provision And an information processing server 1035 and a financial system for operating the on-line account processed by the provisional rules.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system Stores and manages interface modules corresponding to the middleware platform and predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database, wherein the financial transactions through the financial system are based on the law and co-decrees on financial real-name transactions and confidentiality of the financial account. When we correspond to real name financial account corresponding to heading 15744) Is effectively processed.

According to the implementation method of the present invention, the financial system according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) equipped with the financial system and the purpose and characteristics of the financial system, At least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains. If you grow up, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, by which the present invention is not limited.

According to an embodiment of the present invention, the financial system provided in the financial institution is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (for example, a branch network). It characterized in that, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide 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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial transaction 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 financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined rechargeable online account through an online channel may use the web server 1000 through at least one or more customer terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. ) And receive various application services provided by the web server 1000.

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

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

The web server 1000 is a customer terminal including at least one wired terminal or at least one wireless terminal through the wired communication network or a wireless communication network, and includes a search service including at least one information / content or a mini homepage / blog. It is preferable to include a portal server or a search server that provides a personalization service, a mail service, a messenger service, or various information providing services.

According to the present invention, the information providing service provided by the web server 1000 to the customer terminal includes at least one financial product information sold by the financial institution to at least one or more customers online (or requesting a new establishment). It characterized in that it comprises a, wherein the financial product information is characterized in that the customer comprises at least one or more chargeable online account product information for registering the rechargeable online account.

In addition, the web server 1000 is at least one user interface for the customer to apply for (or purchase) the financial product (eg, the rechargeable online account) through a network means including the wired or wireless communication network. It characterized by providing to the customer terminal, wherein the customer terminal inputs (or selects) the chargeable online account application information through the user interface through the network means including the wired communication network or wireless communication network; Characterized in that the transmission to the web server (1000).

To this end, the client terminal outputs at least one user interface provided from the web server 1000, and inputs or selects at least one rechargeable online account application information through the user interface to the web server 1000. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the web server 1000, etc.) for transmitting to the web server is provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 1000 as described above, and provide at least one rechargeable online account application information through the user interface. Since the characteristics of the customer terminal corresponding to at least one or more wired terminals or wireless terminals to be input or selected and transmitted to the web server 1000 can be easily inferred, a detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, the web server 1000 is characterized in that it comprises an interface unit 1005 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 1005 includes a protocol stack defined in the wired network or a wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the customer terminal and the predetermined communication channel with the customer terminal based on. .

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 1005 connects a communication channel with the customer terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the customer terminal is provided with a communication program provided by the web server 1000, the interface unit 1005 connects the communication channel with the customer terminal based on the TCP / IP protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 may be configured with the customer terminal based on a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 1005 connects a communication channel with the customer terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Referring to FIG. 10, the web server 1000 interworks with the interface unit 1005 when a predetermined client terminal accesses the web server 1000 through the interface unit 1005 or applies for a chargeable online account. A user interface (or extracted from a predetermined web source D / B (not shown)) for inputting (or selecting) and transmitting predetermined charge-type online account application information from the client terminal to the client terminal. An information receiving unit for receiving predetermined charge-type online account application information to be input (or selected) and transmitted from the user terminal through the user interface in connection with the interface providing unit 1010 and the interface unit 1005 provided. 1020 and an information relay unit 1030 for providing the received chargeable online account application information to an information processing server 1035 provided in a financial institution through a predetermined communication means. It characterized by comprising a.

In addition, the web server 1000 may be a search service including at least one or more information / content in connection with the interface unit 1005 or at least one customer terminal, or a personalization service or a mail service including a mini homepage / blog. Or a web service unit 1015 for providing a web-based service including at least one messenger service or various information providing services, and having a general knowledge in the technical field to which the present invention pertains. If so, the web server 1000 will be familiar with how to provide the web-based service to at least one or more customer terminals to perform a function of a portal server or a search server, a detailed description thereof will be omitted for convenience.

In addition, the web server 1000 is a chargeable online account received from the customer terminal through the information receiving unit 1020 for the post-management of the chargeable online account application information received through the information receiving unit 1020. Rechargeable online account issuance information including application information or including at least one or more chargeable online account information generated by the information processing server 1035 based on the chargeable online account application information. And an information storage unit 1025 for storing the chargeable online account issuance information, wherein the chargeable online account issuance information is received from the customer terminal. Application information), virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable that the at least one further comprises.

The interface providing unit 1010 is charged in response to a functional configuration provided in the customer terminal when a predetermined customer terminal is connected to the web server 1000 through the interface unit 1005 or when applying for a chargeable online account. A predetermined user interface capable of inputting (or selecting) a type online account application information to be transmitted to the web server 1000 through the network means, or extracting from a predetermined database (not shown), In connection with 1005, a user interface generated (or extracted from a predetermined web source D / B (not shown)) is provided to the customer terminal through the network means.

Thereafter, the client terminal inputs (or selects) the rechargeable online account application information based on the user interface, and transmits the input (or selected) rechargeable online account application information through the network means to the web server ( 1000).

According to an embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 may be provided with a browser program or a communication program provided in the wired terminal. A user who has generated a user interface (or extracted from a predetermined web source D / B (not shown)), and has been created (or extracted from a predetermined web source D / B (not shown)) through the interface unit 1005. It is desirable to provide an interface to the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 may provide a browser program or a communication program provided in the wireless terminal. Generated (or extracted from a predetermined web source D / B (not shown)) and generated through the interface unit 1005 (or extracted from a predetermined web source D / B (not shown)). It is desirable to provide a user interface to the customer terminal.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined charge-type online account application information from the customer terminal in the web server 1000 may include at least one online account product (or financial product). It is preferable that the customer comprises an interface for selecting at least one or more online account products (or financial products) to apply (or purchase).

In addition, when the online account product corresponding to the chargeable online account application information corresponds to the online account in the form of free and withdrawal, the user interface for receiving (or selecting) the chargeable online account application information is the chargeable online. And an interface for outputting online account product details such as the name of the rechargeable online account product and interest rate information corresponding to an account product to the customer terminal, and confirming that the customer has confirmed the details of the rechargeable online account product. The user interface for receiving (or selecting) the rechargeable online account application information when the online account product corresponding to the rechargeable online account application information corresponds to an online account in the form of a financial investment product. Rechargeable online account To output the online account product details such as the name of the rechargeable online account product corresponding to the product and the investment period and the expected return information to the customer terminal, and to confirm that the customer has confirmed the details of the rechargeable online account product. It is preferred to include an interface.

In addition, the user interface for receiving (or selecting) the chargeable online account application information, outputs the terms and conditions information corresponding to the chargeable online account product to the customer terminal, the interface that the customer agrees to the terms and conditions It is preferable to comprise.

The user interface for receiving (or selecting) the rechargeable online account application information may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the rechargeable online account product. And an interface for inputting predetermined financial account information (eg, original account information for depositing a predetermined amount into an online account) for depositing (or transferring) an amount into the rechargeable online account.

In addition, the user interface for inputting (or selecting) the rechargeable online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile number) for the customer applying for the rechargeable online account product. , An address, an e-mail address, etc.) or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 1000. It is preferable to make.

Thereafter, the customer terminal provides online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) from the plurality of online account products through the user interface, and the rechargeable online account products. Inputting (or selecting) the chargeable online account application information including corresponding terms and conditions agreement information, the chargeable online account deposit amount information, and at least one customer information for the chargeable online account applicant; It transmits to the web server 1000 through.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the rechargeable online account application information may include an account password for an online account corresponding to the rechargeable online account application information, or the rechargeable online account. The method may further include an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing at least one or more non-face-to-face financial transactions.

In addition, the rechargeable online account security information is a predetermined personal identification number (PIN) or customer wireless for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further comprise terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 1000 through the network means, or further include the rechargeable online account security information in the rechargeable online account application information. Send to server 1000.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 1000 in order to secure the back. desirable.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the rechargeable online account application information may be configured until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Provision of provisional terms and conditions and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before verification of the financial real name of the rechargeable online account) The new provision application that outputs to the customer terminal and the customer accepts the provisional processing agreement information for agreeing to the provisional provisional terms information and provisional processing period information, or the provisional processing for the rechargeable online account. It is preferable to further comprise an interface for inputting (or selecting) information.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information) and is transmitted to the web server 1000 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the rechargeable online account application information may include a real account for operating the online account corresponding to the rechargeable online account application information in the parent account operating institution. In order to open a virtual account form as a mother account, input the mother account manager information including at least one of the parent account managers and the virtual account processing information including the mother account information corresponding to the real account operated by the mother account manager. Or an interface to be selected).

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the client terminal, the client terminal inputs (or selects) the virtual account processing information through the interface. Thereafter, the input (or selected) virtual account processing information is transmitted to the web server 1000 through the network means, or the virtual account processing information is further included in the chargeable online account application information. It transmits to the web server 1000 through a means.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). At least one customer account is not open, or the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution; The user interface preferably further comprises an interface for outputting financial transaction application terms and conditions for processing the first financial transaction with the financial institution to the customer terminal and confirming that the customer has agreed to the financial transaction application terms. If the customer is a financial transaction customer of the financial institution; The interface may be omitted, or the interface may be included in the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer As such, the interface for applying for the financial transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. The financial server application information is transmitted to the web server 1000 through the network means, or the financial server application information (not shown) is further included in the chargeable online account application information. In FIG. 10, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (e.g., at least corresponding to the financial institution applying for the rechargeable online account product). One or more customer accounts are not open, or the customer who applies for the rechargeable online account has no history of financial transactions with the financial institution), or the customer who applies for the rechargeable online account does not face the financial institution. If the customer is not a financial transaction customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the user interface for receiving (or selecting) the rechargeable online account application information may include: At least one through at least one non-face-to-face financial transaction channel with the financial institution as a terminal Non-face-to-face financial transaction terms information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information for which the customer agrees to the non-face-to-face financial transaction agreement information, or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction. It is preferable.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, or the rechargeable type If non-face-to-face financial transaction authentication can be omitted for a financial transaction using an online account, the customer is a face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through at least one non-face-to-face financial transaction channel. The interface for agreeing (or applying for) may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. Alternatively, the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further included in the rechargeable online account application information and transmitted to the web server 1000 through the network means.

When the customer terminal inputs (or selects) predetermined charge-type online account application information through the user interface and transmits it through the network means, the information receiving unit 1020 interworks with the interface unit 1005 to charge the charge. And receiving the type online account application information, and provides the received charging type online account application information to the information relay unit 1030 or the information storage unit 1025.

Here, the chargeable online account application information may include at least one online account product selection information for selecting at least one online account product that the customer applies (or purchases) from the plurality of online account products, and the chargeable online account product. It is preferable to include at least one or more information corresponding to the terms and conditions of the agreement, and information on the deposit amount of the online account.

In addition, the customer terminal inputs (or selects) predetermined charge-type online account security information through the user interface and transmits it through the network means, or the charge-type online account security information is transmitted from the customer terminal. When the information is included in the online account application information and transmitted, the information receiving unit 1020 may receive the rechargeable online account security information in association with the interface unit 1005. The information relay unit 1030 or the information storage unit 1025 is provided.

In addition, the customer terminal inputs (or selects) predetermined false information processing consent information (or false information request information) through the user interface and transmits the information through the network means, or at the customer terminal, accepts the false information processing agreement. When the information (or the provisional application information) is transmitted in the chargeable online account application information, the information receiving unit 1020 works in conjunction with the interface unit 1005 and the provisional processing agreement information (or provisional application information) ) And provide the received provisional processing agreement information (or provisional application information) to the information relay unit 1030 or the information storage unit 1025.

In addition, the client terminal inputs (or selects) virtual account processing information including the parent account operating institution information and the mother account information through the user interface and transmits the information through the network means, or processes the virtual account at the client terminal. When the information is included in the chargeable online account application information and transmitted, the information receiving unit 1020 interoperates with the interface unit 1005 to receive virtual account processing information including the mother account management institution information and the mother account information. The received virtual account processing information is provided to the information relay unit 1030 or the information storage unit 1025.

In addition, the customer terminal inputs (or selects) predetermined financial transaction application information through the user interface and transmits the information through the network means, or sends the financial transaction application information from the customer terminal to the rechargeable online account application information. If included in the transmission, the information receiving unit 1020 is characterized in that for receiving the financial transaction application information in conjunction with the interface unit 1005, and the received information on the financial transaction application information relay unit 1030 Or to the information storage unit 1025.

In addition, the client terminal inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits the data through the network means, or at the customer terminal, When the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the rechargeable online account application information and transmitted, the information receiving unit 1020 interworks with the interface unit 1005 to agree to the non-face-to-face financial transaction agreement. Information (or non-face-to-face financial transaction application information), and receives the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 1030 or the information storage unit 1025. )

The information storage unit 1025 stores the chargeable online account application information received through the information receiving unit 1020 in the chargeable online account issuing information and stores the information on the predetermined storage medium. Web server 1000 (or web server 1000 operating institution) based on the chargeable online account application information stored in the storage medium on the basis of receiving a fee for attracting customers for the chargeable online account application from the financial institution To provide.

When the rechargeable online account security information is received through the information receiving unit 1020, the information storage unit 1025 is a rechargeable online account obtained by linking the rechargeable online account security information to the rechargeable online account application information. And issuing information is stored in the storage medium, wherein the rechargeable online account security information is stored in the web server 1000 (or a financial transaction server using the rechargeable online account) at least using the rechargeable online account. Used to authorize one or more financial transactions.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1020, the information storage unit 1025 stores the provisional processing agreement information (or trailing information) in the rechargeable online account application information. And charging information stored on the storage medium in association with the rule request information. The provisional processing agreement information (or the provisional request information) is stored in the web server 1000 (or the charging information). A financial transaction server using a type online account) provides a basis for processing at least one or more financial transactions using the rechargeable online account until the financial real name of the rechargeable online account is verified.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 1020, the information storage unit 1025 links the virtual account processing information to the rechargeable online account application information. Characterized in that the stored online account issuing information stored in the storage medium, the virtual account processing information is the web server 1000 (or financial transaction server using the rechargeable online account) the rechargeable online It provides a basis for processing at least one or more financial transactions using the rechargeable online account based on a virtual account that is the parent account operated by the parent account management institution until the financial real name of the account is confirmed.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1020, the information storage unit 1025 is the non-face-to-face financial transaction to the rechargeable online account application information. Rechargeable online account issuance information linked to the consent information (or non-face-to-face financial transaction application information) is stored in the storage medium, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) The web server 1000 (or the financial transaction server using the rechargeable online account) provides a basis for processing at least one or more financial transactions using the rechargeable online account until the financial real name of the rechargeable online account is verified. .

According to the embodiment of the present invention, the information storage unit 1025 is opened by the information processing server 1035 a predetermined charge-type online account corresponding to the chargeable online account application information, the web server 1000 The chargeable online account information opened by the information processing server 1035 to process at least one or more financial transactions using the chargeable online account (or a financial transaction server using the chargeable online account). Rechargeable online account information, which is further included in the chargeable online account issuing information, is stored in a storage medium, or the chargeable online account application information included in the chargeable online account issuing information is opened by the information processing server 1035. It is preferable to replace with, and thereby the present invention is not limited.

Here, the rechargeable online account information may include an online account number in the form of a virtual account number generated by the provisional opening unit 1045 and the virtual account processing unit 1050 of the information processing server 1035, and the rechargeable online account. It is preferable to include the account holder information corresponding to the customer information included in the application information, the web server 1000 operating institution information and the financial institution information that the rechargeable online account is opened.

The information relay unit 1030 is an information processing server provided in a financial institution corresponding to the chargeable online account product through a predetermined communication means for the chargeable online account application information received through the information receiving unit 1040 ( 1035) and relay transmission.

Here, the communication means for connecting the web server 1000 and the information processing server 1035 may be a dedicated communication network that blocks access by a third party other than the web server 1000 and the information processing server 1035 or the web. Secure communication network that provides a secure communication function between the server 1000 and the information processing server 1035 (e.g., the web server 1000 encrypts the rechargeable online account application information by a predetermined encryption method and then the information processing server 1035). ), And the information processing server 1035 includes a communication network for decrypting the chargeable online account application information through a decryption method corresponding to the encryption method.

When the rechargeable online account security information is received through the information receiving unit 1040, the information relay unit 1030 corresponds to the rechargeable online account product through the predetermined communication means. It is characterized in that the transmission to the information processing server 1035 provided in the financial institution, thereby the information processing server 1035 is the recharging online account from the web server 1000 to the financial system provided in the financial institution Open a rechargeable online account that can process financial transactions with security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1040, the information relay unit 1030 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. And relaying the information to the information processing server 1035 included in the financial institution corresponding to the rechargeable online account product, thereby providing the information processing server 1035 to the financial system provided in the financial institution. A chargeable online account corresponding to the chargeable online account application information is opened under a new provision.

When the financial transaction application information is received through the information receiver 1040, the information relay unit 1030 includes the financial transaction application information in a financial institution corresponding to the rechargeable online account product through a predetermined communication means. Characterized in that it is relayed to the information processing server 1035, whereby the information processing server 1035 is provided with the financial institution, even if the customer who is applying for the rechargeable online account is not a conventional customer of the financial institution. The system opens a rechargeable online account corresponding to the rechargeable online account application information in a form that enables at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 1040, the information relay unit 1030 is the charge-type through the communication means through the predetermined account means; And relaying the information to the information processing server 1035 provided at the financial institution corresponding to the online account product, whereby the information processing server 1035 requests the rechargeable online account to the financial system provided at the financial institution. A chargeable online account corresponding to the information is opened in the form of a virtual account in which the real account operated by the parent account operating institution is the parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1040, the information relay unit 1030 is the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed and transmitted to a data processing server 1035 provided in a financial institution corresponding to the rechargeable online account product through a predetermined communication means, whereby the information processing server 1035 transmits the information to the financial institution. In the financial system provided in the web server 1000, a rechargeable online account for processing a financial transaction using the rechargeable online account in a non-face-to-face manner is opened.

According to another exemplary embodiment of the present invention, when the information processing server 1035 is equipped with a web server 1000 function or the information processing server 1035 is a predetermined banking server, the information relay unit 1030. By linking and relaying the customer terminal and the information processing server 1035, the information processing server 1035 in the information processing server 1035 from the customer terminal from the charge-type online account application information (or a new processing agreement information (or a new application) Information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is possible to relay, whereby the information processing server 1035 receives the chargeable online account from the customer terminal through a predetermined network means. Office Information (or Tentative Processing Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Virtual Account Processing Information, or Non-Faceless Financial Transaction Agreement Information (or Non-Faceless Financial Transaction Application Information) It is possible to directly receive)), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one web server 1000 and the information processing server 1035 may be relayed between the web server 1000 and the information processing server 1035, or the web server may be used. A predetermined relay server (not shown) further relays 1000 and at least one information processing server 1035 or relays at least one web server 1000 and at least one information processing server 1035. It is possible that the present invention is not limited thereby.

Referring to FIG. 10, the information processing server 1035 may be charged online account application information (or false new processing agreement information (or false new application information)) provided from the web server 1000 through the communication means. An information receiver 1040 for receiving online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); and a predetermined financial system. A new opening section 1045 (or an account opening means) for opening a charging online account corresponding to the charging online account application information received through the information receiving unit 1040 (or an account opening means), A virtual account processing unit 1050 (or an account opening means) for processing a charged online account in the form of a virtual account using a real account operated by the parent account operating institution as a parent account; The provisional management unit 1055 (or an account opening means) that manages a virtual account type online account before the real name verification for the customer who applied for the rechargeable online account, and the new online account corresponding to the rechargeable online account application information. A real name verification unit 1060 (or an account opening means) for confirming whether a real name of the financial transaction application customer for the opened rechargeable online account is confirmed within a predetermined real name verification period, and the rechargeable online account application information When the real name of the open-type online account established by the new provision is confirmed, a new account processing unit 1065 (or an account opening means) is provided to process the open-type online online account as the new financial account. It is characterized by.

The information receiving unit 1040 is a chargeable online account application information (or false new processing agreement information (or false new application information), or online account security information, or financial information provided from the web server 1000 through the communication means) Receiving transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received rechargeable online account application information (or false transaction processing agreement). Information (or provisional application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); Provided by (1045).

Rechargeable online account application information (or false new processing agreement information (or false new application information), online account security information, financial transaction application information, etc.) provided from the web server 1000 according to one embodiment of the present invention, Or when the virtual account processing information or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is encrypted, the information receiving unit 1040 the encrypted rechargeable online account application information (or the provisional processing agreement information). (Or new application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is preferable to make it.

The new provision opening unit 1045 is the chargeable online account application information (or false new processing agreement information (or new application information), or online account security) from the web server 1000 through the information receiving unit 1040 Information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), provided that the rechargeable online account application information (or false transaction processing information) (Or provisional application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Through the Rechargeable Online Account Application Information (or Tentative Processing Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transactions) And to open an online account, rechargeable corresponding to the Agency information or virtual account management information, or a non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information)) to rule trail features.

Here, the provisional opening establishment unit 1045 is the chargeable online account application information (or provisional processing agreement information (or provisional application information), or online account security information, financial transaction application information, or virtual account processing information) Or opening a rechargeable online account corresponding to non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a new basis, in the ledger D / B provided on the financial system. Application Information (or Tentative Processing Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Virtual Account Processing Information, or Non-Faceless Financial Transaction Agreement Information (or Non-Faceless Financial Transaction Application Information) Predetermined customer ledger (can be omitted if the customer ledger is already registered) or at least one online ledger (e.g. , Including registering the received director) corresponding to the line account application information, characterized in that formed.

According to an embodiment of the present invention, the online ledger for the rechargeable online account corresponding to the rechargeable online account application information corresponds to a newly opened rechargeable online account based on the rechargeable online account application information. It is preferable to register with the ledger D / B in the form of an account ledger, and store predetermined false information for managing the chargeable online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the rechargeable online account corresponding to the rechargeable online account application information is a virtual account associated with a predetermined parent account based on the rechargeable online account application information. It is preferable to be registered in the ledger D / B in the form of an account ledger corresponding to the above, wherein the parent account is to register the customer financial account, or the rechargeable online account already opened in the ledger D / B on the financial system To this end, it is possible to include at least one or more of the financial institution accounts already established in the ledger D / B on the financial system, thereby the present invention is not limited.

The chargeable online account corresponding to the registered online ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Act (Presidential Decree No. 15744), and therefore, the non-real name financial account Financial transactions are a violation of the above laws.

However, it is possible to deposit a predetermined amount (or deposit amount) into the rechargeable online account by the Financial Real Name Transaction and Secret Guarantee Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the new provision establishment unit 1045 is the rechargeable online account application information (or new provision processing agreement information (or new provision application information), or online account security information received through the web server 1000), or On the basis of financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), the rechargeable online in connection with the external system or information system provided in the financial system A procedure of opening an account (eg, a procedure of registering a predetermined online ledger) is performed, and the result is provided to the virtual account processor 1050.

If the person skilled in the art to which the present invention pertains, the provisional opening unit 1045 opens the rechargeable online account in association with the financial system (for example, to register a predetermined online ledger). Since you will be familiar with the detailed procedure, detailed description thereof will be omitted for convenience.

The virtual account processor 1050 is configured to process the real account operated by the parent account operating institution as a virtual account of the rechargeable online account (or online account ledger) opened by the provisional opening unit 1045. It is characterized by.

According to the embodiment of the present invention, it is preferable that the online account ledger corresponding to the chargeable online account processed in the form of a virtual account having a real account operated by the mother account operating institution as the parent account includes the conventional virtual account ledger information. In addition, real account ledger information (eg, ledger information including an account number following an account number system corresponding to a real account) that can be processed as a new account in the form of a real account when the financial real name of the rechargeable online account is confirmed. Preferably, it is preferably made, and it is preferable that the real account operated by the parent account operating institution is treated as a virtual account in the form of a parent account before the real name confirmation of the rechargeable online account.

According to another embodiment of the present invention, the online account ledger corresponding to the chargeable online account processed in the form of a virtual account having a real account operated by the parent account operating institution as a parent account is a real account operated by the parent account operating institution. May include virtual account ledger information (eg, ledger information including account number conforming to a virtual account number system) as a parent account, and in this case, the virtual account ledger information when the financial real name of the rechargeable online account is confirmed. Can be converted (or replaced) into real account ledger information (eg, ledger information including an account number conforming to an account number system corresponding to a real account), whereby the invention is not limited.

Thereafter, the new provision management unit 1055 processes the real online account operated by the parent account management institution as a virtual account before the real name confirmation for the customer who applied for the rechargeable online account opened the charge-type online account opened as the new provision It is characterized by operating.

According to the method of the present invention, the provisional management unit 1055 is to deposit the deposit amount to the virtual account when a predetermined amount is deposited (or transferred) to the rechargeable online account through the financial system. And depositing the deposit amount into a real account corresponding to the parent account of the virtual account.

In addition, when a predetermined amount is withdrawn (or transferred) to the rechargeable online account through the financial system, the provisional management unit 1055 processes the withdrawal amount to withdraw the amount deposited in the virtual account. (For example, withdrawal processing of the withdrawal amount from the real account corresponding to the parent account of the virtual account).

In addition, when the interest for the amount deposited in the rechargeable online account is calculated through the financial system, the new management unit 1055 uses a virtual account that uses the real account operated by the parent account operating institution as the parent account. Characterized in that the interest is processed in the form of a rechargeable online account.

As described above, by processing a real account operated by the parent account operating institution as a virtual account as the parent account, the new account management unit 1055 controls the financial real name transaction and confidentiality until the real name of the rechargeable online account is verified. To prevent violations of the law and concurrent decrees (Presidential Decree No. 15744).

The real name verification unit 1060 is the law on the financial real-name system trading and confidentiality while the charge-type online account opened by the new provision establishment section 1045 is managed by the new provision management section 1055 and According to the financial real name verification procedure corresponding to the concurrent act (Presidential No. 15744), it is characterized in that whether the real name of the customer for the charge-type online account application is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 1060 may use the real name of the customer who applied for the rechargeable online account for the rechargeable online account through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to confirm that this is confirmed.

According to another exemplary embodiment of the present invention, if the customer who is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is applying for the rechargeable online account is an Internet banking customer corresponding to the financial institution ( For example, when the financial institution has performed a real name verification process for the customer who applied for the rechargeable online account), the real name verification unit 1060 may perform the real name verification process defined in the Internet banking system. It is desirable to verify that the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed.

According to another exemplary embodiment of the present invention, the customer who is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who is applying for the rechargeable online account is a wireless banking customer corresponding to the financial institution. (For example, when the financial institution has performed a real name verification process for the customer who applied for the rechargeable online account), the real name verification unit 1060 may perform a certificate-based real name verification process defined in the wireless banking system. It is preferable to confirm whether the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed.

According to another exemplary embodiment of the present invention, a customer who applies for the rechargeable online account is a conventional financial transaction customer for the financial institution, and the customer who applies for the rechargeable online account corresponds to the financial institution. Or a TV banking customer (for example, when the financial institution has performed a real name verification procedure for the customer who applied for the rechargeable online account), the real name verification unit 1060 may be an authorized certificate defined in the wireless banking system. It is possible to confirm whether the real name of the customer who is applying for the rechargeable online account for the rechargeable online account is confirmed through the base real name verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 1060 is provided in the financial system (or provided to a financial institution) so as to confirm the real name for the customer of the charge-type online account application within a predetermined real name verification period It is desirable to periodically request the customer to apply for the real name of the rechargeable online account using the telemarketing function.

Alternatively, the real name verification unit 1060 is a DM (Direct Mail) provided in the financial system (or provided in a financial institution) in order to confirm the real name of the customer for the rechargeable online account application within a predetermined real name verification period. It is desirable to periodically request the customer to apply for the online account using the rechargeable online account using the function).

Alternatively, when the customer is applying for the rechargeable online account is a conventional financial transaction customer for the financial institution, the real name verification unit 1060 checks the real name of the customer for the rechargeable online account application within a predetermined real name verification period. To this end, the customer who applies for the rechargeable online account may use a terminal terminal-based financial transaction corresponding to the financial institution, or a financial terminal-based financial transaction including a CD / ATM, or an internet banking-based financial transaction, or a wireless banking-based financial transaction, or During a telebanking-based financial transaction, a home banking-based financial transaction, or a TV banking-based financial transaction, the customer requesting the rechargeable online account to perform the real name verification procedure for the rechargeable online account in connection with the financial transaction system. It is preferable.

If a real name for the rechargeable online account application customer is confirmed within a predetermined real name verification period, the real name verification unit 1060 generates real name identification information for the customer for the rechargeable online account application and generates the new account processing unit ( 1065).

Alternatively, when the real name of the rechargeable online account application customer is confirmed within the real name verification period, the real name verification unit 1060 generates unidentified name information of the customer of the rechargeable online account application and generates the new account processing unit ( 1065).

When the real name confirmation information is provided from the real name confirmation unit 1060, the real name confirmation information including the confirmed name of the customer for the charge-type online account application within the real name confirmation period, the new account processing unit 1065 is associated with the financial system By the new provision opening unit 1045 or the new provision management unit 1055 characterized in that the processing of the charge-type online account processed as a novel new financial account.

According to the method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 1060 including the real name of the customer for the charge-type online account application within the real name confirmation period, the new account processing unit ( 1065 is valid for all financial transactions of the rechargeable online account processed by the provisional opening unit 1045 or the provisional management unit 1055 in connection with the external or information system provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited with the opened rechargeable online account is not withdrawn by any financial transaction until the real name verification for the rechargeable online account is established, the new account processor 1065 is preferably in connection with the external system or information system provided in the financial system to unlock the chargeable online account, whereby the recharging online account processed by the new provisions is the It will be processed as valid new financial account as possible.

According to another exemplary embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened rechargeable online account is linked with the rechargeable online account to prevent withdrawal. When transferred to a predetermined virtual account provided, the new account processing unit 1065 returns the amount deposited in the withdrawal prevention virtual account in connection with the external account or information system provided in the financial system to the rechargeable online account. (Or re-transfer) or removing (or erasing) the withdrawal virtual account, whereby the pseudonymized recharged online account is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the banking system is provided with a new account processing mother account for the chargeable online account, and the opened charge online account withdrawal prevention function associated with the new account processing mother account When the predetermined amount is deposited (or deposited) into the chargeable online account processed as the virtual account equipped with the withdrawal prevention function by being processed with the provided virtual account, the new account processing unit 1065 sends to the financial system. Release the withdrawal prevention function of the rechargeable online account processed with the virtual account provided with the withdrawal prevention function in association with the external account or information system provided, and provide a virtual account function associated with the parent account for the new provision processing (or Erase) to process the chargeable online account, whereby the chargeable online account processed by the pseudonym It is treated with a molten deal possible valid new financial account.

According to the method of the present invention, when the new account processing unit 1065 processes the chargeable online account as a valid new financial account capable of all financial transactions, the information receiving unit 1040 determines the date of establishment of the chargeable online account. Rechargeable online account application information (or pseudonym processing consent information (or pseudonym information information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face finance) from the web server 1000 The date of receiving transaction consent information (or non-face-to-face financial transaction application information), or the date of the date when the temporary opening unit 1045 opened the rechargeable online account on the financial system. It is desirable to apply retrospectively.

11 is a diagram showing the configuration of the charging online account ledger information according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates an online account ledger of a virtual account method in which a ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. As shown in FIG. 6, the rechargeable online account ledger information is stored in accordance with the virtual account ledger information, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the general ledger D / B. Although it is possible to infer various information configuration methods for storing chargeable online account ledger information in accordance with the virtual account ledger information in the online account ledger using the actual account of the parent account management institution in the present invention, It includes an implementation method and is not limited to the implementation method shown in FIG.

Referring to FIG. 11 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 customer ledger and an account ledger associated with the customer ledger (eg, a reception 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 further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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 individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the customer ledger for registering a virtual account type of the chargeable online account associated with the mother account as the real account of the parent account operating institution through the chargeable online account registration system shown in FIG. And a virtual account associated with the mother account which stores the mother account manager's customer ledger information using the parent account manager as a financial transaction customer and makes the real account of the mother account manager through the chargeable online account registration system shown in FIG. It is desirable to store customer ledger information corresponding to a customer who has registered a form of a rechargeable online account.

Here, the customer ledger information and the customer ledger information corresponding to the customer who registered the rechargeable online account satisfies the configuration of the customer ledger information as described above, and the customer who opens the rechargeable online account As a conventional financial transaction customer of a financial institution, when the ledger D / B is provided with a customer ledger of a customer who opens the rechargeable online account, the customer ledger corresponding to the customer who registered the rechargeable online account is the customer ledger. It is preferable to use 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 detailed description thereof will be omitted.

The account ledger is linked to the 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 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the parent account management institution is relationally associated with a customer ledger of the mother account management institution, and at least one financial account of the financial account of the mother account operating institution is the drawing. It is preferable to correspond to the parent account of the virtual account corresponding to the rechargeable online account registered through the rechargeable online account registration system shown in FIG.

Here, among the account ledgers of the parent account management institution, the account ledger corresponding to the mother account of the virtual account corresponding to the chargeable online account registered through the chargeable online account registration system shown in FIG. 10 is relationally associated with the online account ledger. It is preferred to be connected.

The online ledger corresponds to an account ledger corresponding to a parent account of a virtual account corresponding to a charged online account registered through the chargeable online account registration system shown in FIG. 10 among at least one financial account corresponding to the mother account operating institution. And the online account ledger information includes an information structure including the mother account number and the mother account operating institution information in addition to basic ledger information such as the account ledger.

That is, as shown in FIG. 11, the rechargeable online account ledger information provided in the virtual ledger also includes an information structure including the mother account number and the mother account operating institution information in the basic account ledger information.

12 is a diagram showing the configuration of the chargeable online account ledger information according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a real account of the parent account management institution through predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. Shows a configuration of information linked in the form of a virtual account having a parent account, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to or modifies an online account in the ledger D / B by referring to or modifying FIG. Although various ledgers can be inferred through the virtual account processing information of the ledger in the form of a virtual account having the parent account of the parent account management institution, the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 12 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 customer ledger and an account ledger associated with the customer ledger (eg, a reception 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 further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that there is a specific technical matters, and detailed description thereof will be omitted for convenience.

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 virtual account type of the chargeable online account associated with the mother account as the real account of the parent account operating institution through the chargeable online account registration system shown in FIG. And a virtual account associated with the mother account which stores the mother account manager's customer ledger information using the parent account manager as a financial transaction customer and makes the real account of the mother account manager through the chargeable online account registration system shown in FIG. It is desirable to store customer ledger information corresponding to a customer who has registered a form of a rechargeable online account.

Here, the customer ledger information and the customer ledger information corresponding to the customer who registered the rechargeable online account satisfies the configuration of the customer ledger information as described above, and the customer who opens the rechargeable online account As a conventional financial transaction customer of a financial institution, when the ledger D / B is provided with a customer ledger of a customer who opens the rechargeable online account, the customer ledger corresponding to the customer who registered the rechargeable online account is the customer ledger. It is preferable to use 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 is linked to the 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 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., at least the account number corresponding to the account ledger, abstention (months), period (days), period extension, maturity date and target amount Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the parent account management institution is relationally associated with a customer ledger of the mother account management institution, and at least one financial account of the financial account of the mother account operating institution is the drawing. It is preferable to correspond to a parent account for processing a charged online account registered through the charged online account registration system shown in FIG. 10 as a virtual account.

Here, among the account ledgers of the parent account management institution, the account ledger corresponding to the mother account of the virtual account corresponding to the charged online account registered through the charged online account registration system shown in FIG. 10 is processed online with the virtual account. It is desirable to be linked to the ledger.

The online ledger includes the same basic ledger information as the ledger, and includes an online account number and a mother account corresponding to the mother account for processing the rechargeable online account as a virtual account among the financial accounts of the parent account management institution. By including the virtual account processing information including at least one of the number and at least one of the parent account management information (for example, mother account management information) as additional information, the rechargeable online account to the financial account of the parent account management institution mother account The virtual account processing information is matched with the rechargeable online account application information and the virtual account processing information received from the customer terminal on the rechargeable online account registration system shown in FIG. It is preferable to be.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the rechargeable online account in the form of the virtual account, and the rechargeable online account number preferably follows the real account number system. However, according to the intention of those skilled in the art, the virtual account number system may be followed, and the present invention is not limited thereto.

The mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the rechargeable online account as a virtual account among account numbers in the name of the mother account operating institution. desirable.

It is preferable that the mother account operating institution information of the virtual account processing information includes the mother account operating institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention belongs, infer the configuration of the rechargeable online account ledger information associated with the account ledger of the parent account management institution through the virtual account processing information based on the account ledger information configuration Since it can be, a detailed description thereof will be omitted for convenience.

13 is a diagram showing the configuration of the chargeable online account ledger information according to another embodiment of the present invention.

More specifically, FIG. 13 shows predetermined virtual account processing information as shown in FIG. 12 in a predetermined online account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. As shown in the present invention, an information structure for linking a real account of the parent account management institution in the form of a virtual account as a parent account and further linking and processing the new account information for processing a predetermined account in the online ledger is provided. For those skilled in the art, the real account of the parent account management institution is referred to the online account ledger in the general ledger D / B through the predetermined virtual account processing information by referring to or modifying the drawing 13. In connection with the form of a virtual account to be able to infer a variety of information configuration method to be processed in a new account, but the present invention is inferred Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 13 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 customer ledger and an account ledger associated with the customer ledger (eg, a reception 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 further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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 telephone 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 virtual account type of the chargeable online account associated with the mother account as the real account of the parent account operating institution through the chargeable online account registration system shown in FIG. And a virtual account associated with the mother account which stores the mother account manager's customer ledger information using the parent account manager as a financial transaction customer and makes the real account of the mother account manager through the chargeable online account registration system shown in FIG. It is desirable to store customer ledger information corresponding to a customer who has registered a form of a rechargeable online account.

Here, the customer ledger information and the customer ledger information corresponding to the customer who registered the rechargeable online account satisfies the configuration of the customer ledger information as described above, and the customer who opens the rechargeable online account If the customer ledger of a customer who opens the rechargeable online account is provided in the ledger D / B as a conventional financial transaction customer of a financial institution, the customer ledger corresponding to the customer who registered the rechargeable online account is the customer. It is preferable to use the ledger 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 is linked to the 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 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the parent account management institution is relationally associated with a customer ledger of the mother account management institution, and at least one financial account of the financial account of the mother account operating institution is the drawing. It is preferable to correspond to a parent account for processing a charged online account registered through the charged online account registration system shown in FIG. 10 as a virtual account.

Here, among the account ledgers of the parent account management institution, the account ledger corresponding to the mother account of the virtual account corresponding to the charged online account registered through the charged online account registration system shown in FIG. 10 is processed online with the virtual account. It is desirable to be linked to the ledger.

The online ledger includes the same basic ledger information as the ledger, and includes an online account number and a mother account corresponding to the mother account for processing the rechargeable online account as a virtual account among the financial accounts of the parent account management institution. By including the virtual account processing information including at least one of the number and at least one of the parent account management information (for example, mother account management information) as additional information, the rechargeable online account to the financial account of the parent account management institution mother account The virtual account processing information is matched with the rechargeable online account application information and the virtual account processing information received from the customer terminal on the rechargeable online account registration system shown in FIG. It is preferable to be.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the rechargeable online account in the form of the virtual account, and the rechargeable online account number preferably follows the real account number system. However, according to the intention of those skilled in the art, the virtual account number system may be followed, and the present invention is not limited thereto.

The mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the rechargeable online account as a virtual account among account numbers in the name of the mother account operating institution. desirable.

The mother account management institution information of the virtual account processing information preferably includes the mother account management institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention belongs, infer the configuration of the rechargeable online account ledger information associated with the account ledger of the parent account management institution through the virtual account processing information based on the account ledger information configuration Since it can be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a chargeable online account registered through the chargeable online account registration system shown in FIG. 10 is a virtual account that does not have a real name verification. The chargeable online account is preferably handled in a state of false positive, and for this purpose, the chargeable online account ledger information provided in the online account ledger preferably includes predetermined false information processing as additional information.

The provisional opening unit 1045 or the provisional management unit 1055 of the information processing server 1035 shown in FIG. 10 correspond to the rechargeable online account in connection with an external system or information system provided in the financial system. Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or an online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit, Preferably, the processing information is stored in association with additional information corresponding to the online ledger, and the temporary processing information is stored in a rechargeable online account received from a customer terminal on the rechargeable online account registration system shown in FIG. It is preferably generated based on the application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online ledger is provided in the form of a virtual account, as shown in FIG. 10, in accordance with the intention of the person skilled in the art, the provisional processing consent information (or new application information) in the process of registering the rechargeable online account Is omitted, the trailing process information may also be omitted in accordance with the intention of those skilled in the art, whereby the present invention is not limited.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with a chargeable online account in the form of the virtual account. The virtual account number (or online account number) It is preferable to follow the real account number system, according to the intention of the skilled person may follow the virtual account number system, whereby the present invention is not limited.

In addition, when the provisional establishment date of the new provision processing information is the date when the chargeable online account was opened on the ledger D / B, when the real name of the customer applying for the provisional online account processed with the provisional provision is confirmed, The chargeable online account corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer requesting a rechargeable online account for the rechargeable online account within the real name verification expiration date do.

In addition, the extension of the real name verification period of the new provision processing information is to confirm the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer requesting the rechargeable online account If the real name of the customer who is applying for the online charging account is not confirmed within the expiration date, it is preferable to repeatedly extend the real name of the customer who is applying for the online charging account.

Further, the pre-real name verification deposit of the provisional processing information may be established from at least one other real account (or other rechargeable online account) before the real name of the customer applying for the rechargeable online account for the rechargeable online account is confirmed. When a predetermined amount is deposited into the chargeable online account, as the amount information deposited into the chargeable online account, the real name verification deposit is matched with the account balance of the online ledger.

According to another exemplary embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online ledger (not shown), or other ledgers other than the online ledger (eg, a customer). It may be stored in the form of additional information added to the ledger, or in the form of information included in other ledgers (for example, customer ledgers) other than the online account ledger, and thus the present invention is not limited thereto.

14 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in a virtual account form according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates that when the web server 1000 shown in FIG. 10 provides a predetermined user interface with a user account for charging, the user terminal receives the user interface through the user interface. Input (or select) predetermined rechargeable online account application information to the web server 1000 through a predetermined network means, and apply for the rechargeable online account through the predetermined communication means in the web server 1000. Regarding the process of providing the information to the information processing server 1035 provided in the financial institution, those skilled in the art to which the present invention pertains, refer to or modify this figure 14 to the web at the customer terminal It is possible to infer various implementation methods for providing the rechargeable online account application information to the information processing server 1035 through the server 1000. The would, in the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 14.

For example, in FIG. 14, the customer terminal provides only the chargeable online account application information to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the server 1000 to the customer terminal, in addition to the chargeable online account application information, the new terminal processing agreement information (or new application information), or online account security information, or financial transaction in the customer terminal. It is possible to infer an implementation method of providing application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (Or new application information), or online account security information, or financial transaction application information, or virtual account location Or an implementation method for providing non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited thereto.

In addition, if those skilled in the art to which the present invention pertains, the web server 1000 in response to a security function provided in the communication means for connecting the web server 1000 and the information processing server 1035 The chargeable online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction consent information (or non Face-to-face financial transaction application information)) and transmits the encrypted online account application information (or false new processing agreement information (or false new application information), or online account security information) in the information processing server 1035, or It is possible to infer a method of decrypting financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). The would, in the present invention includes embodiments in which the inference method, which the present invention is not limited.

Referring to FIG. 14, the client terminal illustrated in FIG. 10 accesses the web server 1000 through a network means including at least one wired or wireless communication network (1400), and the web server 1000 is connected to the web server 1000. Using at least one web-based service provided (1405), at this time, the web-based service screen provided by the web server 1000 to the customer terminal in the application of a predetermined rechargeable online account for registering the rechargeable online account Preferably, a menu interface for requesting a user interface is included.

Accordingly, while the web server 1000 provides the at least one web-based service to the customer terminal as described above, the web server 1000 may be configured to register the rechargeable online account from the customer terminal using the rechargeable online account application user interface. It periodically checks whether a user interface requesting a rechargeable online account is requested (1410). If the financial product requesting interface is requested from the customer terminal (1415), the web server 1000 provides a predetermined number to provide to the customer terminal. A chargeable online account subscription user interface is generated (or extracted from a predetermined web source D / B (not shown)) (1420), and the chargeable online account subscription user interface is provided to the mobile terminal through the network means; (1425).

Thereafter, the customer terminal inputs (or selects) predetermined rechargeable online account application information through the rechargeable online account application user interface (1430), and the rechargeable online account application information is applied (or purchased) by the customer. Online account product selection information for selecting at least one online account product, terms and conditions agreement information corresponding to the rechargeable online account product, the rechargeable online account deposit amount information, and the rechargeable online account application customer. It is preferable to include at least one or more customer information for.

When the chargeable online account application information is input (or selected) as described above, the customer terminal transmits the chargeable online account application information to the web server 1000 through the network means (1435).

According to an embodiment of the present invention, the rechargeable online account application user interface may include an account password for an online account corresponding to the rechargeable online account application information, or at least one non-face-to-face financial transaction through the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords for processing.

In addition, the rechargeable online account security information is a predetermined personal identification number (PIN) or customer wireless for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further comprise terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 1000 through the network means, or further include the rechargeable online account security information in the rechargeable online account application information. Send to server 1000.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The secured online account security information (or the rechargeable online account application information including the rechargeable online account security information) may be encrypted by a predetermined encryption method and transmitted to the web server 1000 in order to secure the back. desirable.

According to an embodiment of the present invention, it is specified that the rechargeable online account application user interface is subject to the provisional online account until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Outputting the provisional provisional terms information and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before the verification of the financial real name of the rechargeable online account) to the customer terminal, and the customer Interface for inputting (or selecting) false provisions agreement information for agreeing to the false provisions terms and conditions and provisional processing period information, or provisional subscription information for the customer to apply for provisional processing for the rechargeable online account. It is preferable to comprise a.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information) and is transmitted to the web server 1000 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the rechargeable online account application information may include a real account for operating the online account corresponding to the rechargeable online account application information in the parent account operating institution. In order to open a virtual account form as a mother account, input the mother account manager information including at least one of the parent account managers and the virtual account processing information including the mother account information corresponding to the real account operated by the mother account manager. Or selection).

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the client terminal, the client terminal inputs (or selects) the virtual account processing information through the interface. Thereafter, the input (or selected) virtual account processing information is transmitted to the web server 1000 through the network means, or the virtual account processing information is further included in the chargeable online account application information. It transmits to the web server 1000 through a means.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). The at least one customer account is not opened, or if the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution), the user interface for the rechargeable online account is And an interface for outputting financial transaction application terms and conditions for processing the first financial transaction with a financial institution and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer As such, the interface for applying for the financial transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 1000 through the network means. send.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not opened, or the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution), or the customer who has applied for the rechargeable online account has no face-to-face finance with the financial institution. If the customer is not a trading customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the rechargeable online account application user interface may be connected to the financial institution with at least one non-banking institution. Handle at least one non-face-to-face financial transaction through a face-to-face financial transaction channel The non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) It is preferable to include an interface for inputting (or selecting) non-face-to-face financial transaction agreement information for agreeing the information, or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, or the rechargeable type If non-face-to-face financial transaction authentication can be omitted for financial transactions using an online account, the customer may perform non-face-to-face financial transactions to process at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. The interface for agreeing (or requesting) a transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. Alternatively, the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further included in the rechargeable online account application information and transmitted to the web server 1000 through the network means.

Subsequently, the web server 1000 may include the rechargeable online account application information (or the provisional processing agreement information (or the provisional application information), the online account security information, the financial transaction application information, or the virtual account processing information, or The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received and stored in a predetermined storage medium (1440).

According to another exemplary embodiment of the present invention, the storing of the rechargeable online account application information in the storage medium may include the web server 1000 (or the web server 1000 operator) and the information processing server 1035 ( Or financial partnerships) may be omitted in accordance with the business partnership agreement, thereby not limiting the present invention.

Thereafter, the web server 1000 transmits the charged online account application information to the information processing server 1035 through a predetermined communication means (1445), and the information processing server 1035 transmits the information through the communication means. The rechargeable online account application information provided from the web server 1000 is received (1450).

15 is a diagram illustrating an information providing process for opening a rechargeable online account and processing a rechargeable online account operating in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, in FIG. 15, when the web server 1000 shown in FIG. 10 provides a predetermined user interface for charging a user account with the customer, the user terminal may provide a user with the user interface. Input (or select) and encrypt predetermined rechargeable online account application information to provide to the web server 1000 through predetermined network means, and decrypt the rechargeable online account application information in the web server 1000. The process of providing the charge-type online account application information to the information processing server 1035 provided in the financial institution through a predetermined communication means, if the person of ordinary skill in the art The charging type online from the customer terminal to the information processing server 1035 through the web server 1000 by referring to FIG. 15 or modified. Would be able to infer a variety of exemplary methods of providing an account application information, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 15.

For example, in FIG. 15, the customer terminal provides only the chargeable online account application information to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the server 1000 to the customer terminal, in addition to the chargeable online account application information, the new terminal processing agreement information (or new application information), or online account security information, or financial transaction in the customer terminal. It is possible to infer an implementation method of providing application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (Or new application information), or online account security information, or financial transaction application information, or virtual account location Information, or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if those skilled in the art to which the present invention pertains, the web server 1000 in response to a security function provided in the communication means for connecting the web server 1000 and the information processing server 1035 The chargeable online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction consent information (or non Face-to-face financial transaction application information)) and transmits the encrypted online account application information (or false new processing agreement information (or false new application information), or online account security information) in the information processing server 1035, or It is possible to infer a method of decrypting financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). As will be appreciated, the present invention includes the method of inferring the above, and the present invention is not limited thereto.

Referring to FIG. 15, the customer terminal illustrated in FIG. 10 connects to the web server 1000 through a network means including at least one wired or wireless communication network (1500), and the web server 1000 is connected to the web server 1000. Using at least one web-based service provided (1505), the web-based service screen provided by the web server 1000 to the customer terminal in the application of a predetermined rechargeable online account for registering the rechargeable online account Preferably, a menu interface for requesting a user interface is included.

Accordingly, while the web server 1000 provides the at least one web-based service to the customer terminal as described above, the web server 1000 may be configured to register the rechargeable online account from the customer terminal using the rechargeable online account application user interface. The web server 1000 periodically checks whether a user interface request for a rechargeable online account is requested (1510). Generate (or extract from a predetermined web source D / B (not shown)) 1520 and provide the rechargeable online account subscription user interface to the mobile terminal through the network means; (1525)

The security function provided in the rechargeable online account request user interface may include a function of encrypting the charged online account application information input (or selected) by the customer terminal using a predetermined encryption method or the rechargeable online account application information. And at least one function of attaching the electronic signature of the customer to the client, preferably in the form of a security program linked with the user interface for the rechargeable online account application, wherein the security program is the rechargeable online account. Preferably, at least one encryption key for encrypting the application information is provided.

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

Thereafter, the customer terminal inputs (or selects) predetermined rechargeable online account application information through the rechargeable online account application user interface (1530), and the rechargeable online account application information is applied (or purchased) by the customer. To the online account product selection information for selecting at least one online account product, the terms and conditions agreement information corresponding to the chargeable online account product, the chargeable online account deposit amount information, and the chargeable online account application customer. It is preferable to include at least one customer information for.

When the chargeable online account application information is input (or selected) as described above, the customer terminal transmits the chargeable online account application information according to a predetermined encryption method through a security function provided in the user interface for the chargeable online account application. Encrypt (or attach the electronic signature of the customer to the rechargeable online account application information) (1535) and transmit the encrypted rechargeable online account application information to the web server 1000 via the network means ( 1540).

According to an embodiment of the present invention, the rechargeable online account application user interface may include an account password for an online account corresponding to the rechargeable online account application information, or at least one non-face-to-face financial transaction through the rechargeable online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords for processing.

In addition, the rechargeable online account security information is a predetermined personal identification number (PIN) or customer wireless for non-face-to-face processing of at least one or more financial transactions for the online account opened by the rechargeable online account application information without an authorized certificate. It is preferable to further comprise terminal information, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal, the customer terminal inputs (or selects) the online account security information through the interface and then inputs (or selects) the online account security information. Transmit the selected online account security information to the web server 1000 through the network means, or further include the rechargeable online account security information in the rechargeable online account application information. Send to server 1000.

If the rechargeable online account application information includes the rechargeable online account security information, the confidentiality, authentication, integrity, and nonrepudiation of the rechargeable online account security information. The rechargeable online account security information (or the rechargeable online account application information including the rechargeable online account security information) is encrypted by a predetermined encryption method and transmitted to the web server 1000 so as to secure the same. It is preferable.

According to an embodiment of the present invention, it is specified that the rechargeable online account application user interface is subject to the provisional online account until the financial real name of the online account corresponding to the rechargeable online account application information is confirmed. Outputting the provisional provisional terms information and provisional processing period information (e.g., the period in which the rechargeable online account is processed and operated before the verification of the financial real name of the rechargeable online account) to the customer terminal, and the customer Interface for inputting (or selecting) false provisions agreement information for agreeing to the false provisions terms and conditions and provisional processing period information, or provisional subscription information for the customer to apply for provisional processing for the rechargeable online account. It is preferable to comprise a.

If the new provisional terms information and the new provisional processing period information is included in the terms and conditions information corresponding to the rechargeable online account product, the new provisional terms information and the new provisional processing period information are output to the customer terminal, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the pseudo-processing consent information (or provisional application information) to the client terminal is provided, the client terminal transmits the provisional processing agreement information (or provisional application information) through the interface. After inputting (or selecting), the input (or selection) of the provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or the rechargeable online account The application information further includes the provisional processing agreement information (or provisional application information) and is transmitted to the web server 1000 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the rechargeable online account application information may include a real account for operating the online account corresponding to the rechargeable online account application information in the parent account operating institution. In order to open a virtual account form as a mother account, input the mother account manager information including at least one of the parent account managers and the virtual account processing information including the mother account information corresponding to the real account operated by the mother account manager. Or selection).

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the client terminal, the client terminal inputs (or selects) the virtual account processing information through the interface. Thereafter, the input (or selected) virtual account processing information is transmitted to the web server 1000 through the network means, or the virtual account processing information is further included in the chargeable online account application information. It transmits to the web server 1000 through the means.

In addition, when the customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (for example, the financial institution corresponds to the customer applying for the rechargeable online account product). The at least one customer account is not opened, or if the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution), the user interface for the rechargeable online account is And an interface for outputting financial transaction application terms and conditions for processing the first financial transaction with a financial institution and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the financial transaction application is processed in the real name verification process for the rechargeable online account product, the customer As such, the interface for applying for the financial transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. Transmit financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the chargeable online account application information to the web server 1000 through the network means. send.

The customer applying for the rechargeable online account product is not a conventional financial transaction member for a financial institution corresponding to the rechargeable online account product (eg, at least one corresponding to the customer applying for the rechargeable online account to the financial institution) The above customer account is not opened, or the customer who has applied for the rechargeable online account has no history of financial transactions with the financial institution), or the customer who has applied for the rechargeable online account has no face-to-face finance with the financial institution. If the customer is not a trading customer (e.g., an Internet banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the rechargeable online account application user interface may be connected to the financial institution with at least one non-banking institution. Handle at least one non-face-to-face financial transaction through a face-to-face financial transaction channel The non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) It is preferable to include an interface for inputting (or selecting) non-face-to-face financial transaction agreement information for agreeing the information, or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the rechargeable online account product, or the non-face-to-face financial transaction application is processed in the real name verification process for the rechargeable online account product, or the rechargeable type If non-face-to-face financial transaction authentication can be omitted for a financial transaction using an online account, the customer is a face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through at least one non-face-to-face financial transaction channel. The interface for agreeing (or applying for) may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. Input (or select) face-to-face financial transaction application information), and then input (or select) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. Alternatively, the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further included in the rechargeable online account application information and transmitted to the web server 1000 through the network means.

The web server 1000 receiving the encrypted charging online account application information through the network means decrypts the charging online account application information by a decryption method corresponding to the encryption method (1545), and the decryption. Recharged online account application information (or false transaction consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non (1540) face-to-face financial transaction application information) is stored in a predetermined storage medium.

According to another exemplary embodiment of the present invention, the storing of the rechargeable online account application information in the storage medium may include the web server 1000 (or the web server 1000 operator) and the information processing server 1035 ( Or it may be omitted in accordance with the business cooperation agreement between the financial institutions, thereby the present invention is not limited.

Thereafter, the web server 1000 transmits the charged online account application information to the information processing server 1035 through a predetermined communication means (1545), and the information processing server 1035 transmits the information through the communication means. The rechargeable online account application information provided from the web server 1000 is received (1550).

16 is a diagram illustrating a process of processing a chargeable online account into a virtual account according to an embodiment of the present invention.

In more detail, in FIG. 16, the information processing server 1035 shown in FIG. 10 opens a predetermined chargeable online account based on the chargeable online account application information provided from the web server 1000. The present invention relates to a process of processing an online account into a virtual account using a real account operated by the parent account operating institution as a parent account, and a person of ordinary skill in the art to which the present invention pertains refers to or modified with reference to FIG. Infers various implementation methods for processing a chargeable online account as a virtual account based on the chargeable online account application information provided to the information processing server 1035 shown in 10 as a real account operated by the parent account operating institution. As will be appreciated, the present invention includes all such inferred methods of implementation, and the present invention is not limited thereto. The.

For example, in FIG. 16, only the charging online account application information is provided from the web server 1000 to the information processing server 1035. However, those skilled in the art to which the present invention pertains will be described. In addition to the chargeable online account application information, the provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face transaction information) While it is possible to infer an implementation method in which face-to-face financial transaction application information) and the like are provided to the information processing server 1035, the present invention provides the information processing server 1035 with the provisional processing agreement information (or provisional application information). ), Online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face) Melting transaction request information) contains the exemplary method is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 16, the information processing server 1035 shown in FIG. 10 is referred to as " server " for convenience.

* Referring to Fig. 16, through the process shown in Fig. 14 or Fig. 15, the web server 1000 shown in Fig. 10 from the web server 1000 shown in Fig. 10 receives the predetermined chargeable online account application information (or the provisional processing agreement information). Or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). Rechargeable Online Account Application Information (or Tentative Process Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Virtual Account Processing Information, or Non-Faceless Financial Transaction Agreement Information (or Non-Face-to-Face) Read the financial transaction application information)) to see if it is possible to open the rechargeable online account (1600).

If it is not possible to open the rechargeable online account based on the rechargeable online account application information (1605), the server generates the account opening error information and provides it to the web server 1000 (1610). The web server 1000 transmits the account opening error information to the customer terminal through a predetermined network means (1615), thereby terminating the chargeable online account signing procedure based on the chargeable online account application information.

On the other hand, if it is possible to open the rechargeable online account based on the rechargeable online account application information (1605), the server is linked with the financial system, the predetermined rechargeable online account corresponding to the rechargeable online account application information The system is established as a new bank on the financial system (1620), and the chargeable online account is processed as a virtual account using the parent account operated by the parent account operating institution in connection with the financial system (1625). .

According to an exemplary embodiment of the present invention, the server adds the parent account number corresponding to the real account operated by the parent account operating institution to the provisional processing information added to the online account ledger as shown in FIG. It is preferable to process the ledger corresponding to the charge-type online account opened by the establishing unit 1045 into a virtual account whose mother account is the real account operated by the mother account operating institution.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the rechargeable online account and a predetermined mother account corresponding to the rechargeable online account in the online ledger as shown in FIG. 12. The virtual account processing information including the agency information and the parent account information is processed in a relational manner, whereby the ledger corresponding to the rechargeable online account opened by the new opening unit 1045 is operated by the parent account manager. It is preferable to treat the account as a virtual account which is the parent account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a predetermined database linked to the ledger D / B in which the online ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the charge-type online account opened by the establishing unit 1045 into a virtual account whose mother account is the real account operated by the mother account operating institution.

17 is a diagram illustrating a real name verification process for a rechargeable online account according to an embodiment of the present invention.

In more detail, FIG. 17 is a chargeable type processed as a virtual account using a real account operated by the parent account operating institution through the process shown in FIG. 16 through the chargeable online account registration system shown in FIG. A process of performing a real name verification process for an online account to process a predetermined new financial account. Specifically, the real name verification expiration date is automatically extended to perform at least one financial transaction through the rechargeable online account without real name verification. It is about the implementation method to provide continuously.

Those skilled in the art to which the present invention pertains, refer to or modify this figure 17 to confirm the real name of the rechargeable online account treated as a virtual account of the real account operated by the parent account operating institution as the parent account Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In the following figure 17, the information processing server 1035 on the rechargeable online account registration system shown in figure 10 is referred to as " server " for convenience.

* Referring to FIG. 17, the server is the financial system (or a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telecom system). In connection with a banking system, a home banking system, and a TV banking system) to determine whether the real name of a customer who is applying for a rechargeable online account for the rechargeable online account is confirmed in response to the charging online account application information. Periodically (or through a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system). Customer real name verification event from a financial transaction system containing at least one or more Correspondingly) (1700).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the rechargeable online account application customer is not confirmed (1705), the server checks whether the real name verification period for the rechargeable online account has passed in response to the charging online account application information in association with the financial system. Check (1710).

If the real name verification period for the rechargeable online account has not elapsed in response to the rechargeable online account application information (1715), the server is charged with a virtual account having a real account operated by the mother account management institution as the parent account. Repeat the process to verify the customer's real name for your online account.

On the other hand, if the real name verification period for the rechargeable online account has elapsed in response to the chargeable online account application information (1715), the server, in conjunction with the financial system, the real name verification expiration date (e.g., trail By automatically extending the real name verification expiration date included in the rule processing information (1720), it is possible to continuously provide at least one or more financial transactions through the rechargeable online account without real name verification.

On the other hand, if the real name of the customer who is applying for the rechargeable online account is confirmed within the real name verification period (1705), the server processes the real account operated by the parent account management institution in the form of a virtual account in connection with the financial system. The chargeable online account is returned to the original chargeable online account (1725), and the chargeable online account is processed as a new financial account whose real name is confirmed in connection with the financial system (1730).

According to an embodiment of the present invention, when processing a virtual account type chargeable online account having a real account operated by the mother account management institution as the new financial account, the chargeable online account ledger information is the real account ledger information. In the case of including, it is preferable that the server processes the chargeable online account as a new financial account whose real name is confirmed by erasing the provisional processing information or the virtual account processing information added to the online ledger.

Alternatively, when processing a virtual account type chargeable online account having a real account operated by the parent account management institution as the new financial account, the server adds the pseudonym processing information or virtual account added to the online account ledger. It is preferable to process the chargeable online account as a new financial account whose real name is confirmed by erasing the processing information and replacing (or converting) the chargeable online account ledger information with real account ledger information.

Thereafter, the server may retroactively process the account opening date of the financial account, which is processed as the new financial account, in association with the financial system as the provisional opening date (1735).

18 is a diagram illustrating a real name verification process for a rechargeable online account according to another embodiment of the present invention.

More specifically, FIG. 18 is a chargeable type processed as a virtual account using a real account operated by the parent account operating institution through the process shown in FIG. 16 through the chargeable online account registration system shown in FIG. This is a process of performing a real name verification process for an online account and processing it into a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the rechargeable online account is the original account (for example, the charging). The present invention relates to a method for retrieving a financial account (or other rechargeable online account) in which a predetermined amount has been transferred to an online account, and dormant processing of the rechargeable online account.

Those skilled in the art to which the present invention pertains, refer to or modify this figure 18 to confirm the real name for the rechargeable online account treated as a virtual account using the real account operated by the parent account operating institution as the parent account Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In the following figure 18, the information processing server 1035 on the rechargeable online account registration system shown in figure 10 is referred to as " server " for convenience.

Referring to FIG. 18, the server includes the financial system (or a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telebanking system). System, home banking system, and a financial transaction system including at least one TV banking system) in response to the chargeable online account application information, in response to the chargeable online account application for the chargeable online account, whether the real name of the customer is confirmed periodically. (Or at least a terminal terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system). Customer real name verification events from one or more financial transaction systems Check Correspondingly) 1800.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the rechargeable online account request customer is not confirmed (1805), the server checks whether the real name verification period for the rechargeable online account has expired in response to the charge online account application information in association with the financial system. Check (1810).

If the real name verification period for the rechargeable online account has not elapsed in response to the rechargeable online account application information (1815), the server is charged with a virtual account having a real account operated by the parent account management institution as the parent account. Repeat the process to verify the customer's real name for your online account.

On the other hand, if the real name verification period for the rechargeable online account has passed in response to the rechargeable online account application information (1815), the server is linked with the financial system and the rechargeable online account in response to the rechargeable online account application information. The amount deposited in the bank account is returned to a predetermined original account (e.g., a financial account in which a predetermined investment amount (or deposit amount) is deposited into a rechargeable online account corresponding to the rechargeable online account application information), In response to the account application information, the rechargeable online account is processed as a dormant account (1820).

On the other hand, if the real name of the customer who is applying for the rechargeable online account is confirmed within the real name verification period (1805), the server processes the real account operated by the parent account operating institution in the form of a virtual account in connection with the financial system. The chargeable online account is returned to the original chargeable online account (1825), and the chargeable online account is treated as a new financial account whose real name is confirmed in association with the financial system (1830).

According to an embodiment of the present invention, when processing a virtual account type chargeable online account having a real account operated by the mother account management institution as the new financial account, the chargeable online account ledger information is the real account ledger information. In the case of including, it is preferable that the server processes the chargeable online account as a new financial account whose real name is confirmed by erasing the provisional processing information or the virtual account processing information added to the online ledger.

Alternatively, when the virtual account type chargeable online account having a real account operated by the mother account management institution as the new financial account, the chargeable online account ledger information is added to the online account ledger. Processing the chargeable online account into a new financial account whose real name is verified by erasing the false transaction information or virtual account processing information and replacing (or converting) the chargeable online account ledger information with real account ledger information; It is preferable.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (1835).

19 illustrates a value type online account registration system according to an embodiment of the present invention.

In more detail, Fig. 19 is a web server 1900 provided in a predetermined value-type online account registrar (or financial institution) through a predetermined network means at a predetermined customer terminal. If a value-based online account application information is provided to open an online account for registering a value-based online account for depositing the value of the coupon, the value-added online account application provided from the customer terminal in the web server 1900 is applied. The present invention relates to a system configuration for opening an online account corresponding to the value type online account application information by providing the information to a predetermined information processing server 1935 provided at a predetermined financial institution. Those skilled in the art to which the present invention pertains may refer to or modify the drawing 19 to provide the value-based online system. Although an implementation method for the left registration system may be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, various types of vouchers and discount coupons and value accounts for depositing the value of the vouchers and discount coupons are not limited to value online accounts registered through the value online account registration system shown in FIG. The value account may include various vouchers, discount coupons and financial accounts for depositing the value of the vouchers and discount coupons among real accounts opened in the name of the customer, and the value online account shown in FIG. 19. It is evident that the value-based online account registered through the registration system can also be transferred to the value-type account in the form of a real account after a certain real name verification.

In addition, although the value-based online account registration system shown in FIG. 19 in which the value-based online account is registered is shown as registering a value-based online account at the customer terminal, the present invention is not limited thereto. It is possible to collectively register in a value-based online account affiliate, the present invention is characterized in that it comprises a value-based online account registration method of the batch registration method.

Referring to FIG. 19 according to an embodiment of the present invention, a value-based online account registration system for depositing various vouchers, discount coupons, and the value of the vouchers and discount coupons is provided through a predetermined web server (1900). ) Request a value online account registration (or opening), and provides a value-based online account application information corresponding to the value online account registration (or opening) to the web server 1900. And an information processing server connected to the customer terminal through a predetermined network means to receive predetermined value type online account application information from the customer terminal, and to provide the received value type online account application information to a predetermined financial institution. The web server 1900 provided to the 1935 and the web server 1900 are connected to the web server 1900 through a predetermined communication means, and the value type on from the web server 1900. An information processing server (1935) receiving line account application information and processing and opening an online account corresponding to the value type online account application information under the customer's name based on the received value type online account application information; And a financial system for operating the online account processed by the provisional rules.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account. An accounting system that handles window services, such as credits or receptions or trusts or foreign exchanges that occur at one or more branches (or counters); an information system that processes headquarters operations, branch office information support and customer information management; Interconnection between at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system, or at least And an external system that provides various financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Stores and manages interface modules corresponding to the middleware platform and predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database, wherein the financial transactions through the financial system are based on the law and co-decrees on financial real-name transactions and confidentiality of the financial account. When we correspond to real name financial account corresponding to heading 15744) Is effectively processed.

According to the implementation method of the present invention, the financial system is according to the intention of the person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) in which the financial system is provided, and the purpose and characteristics of the financial system. At least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), may be further included. If you have, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (for example, a branch network). It is characterized in that, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) or a global system for mobile (GSM) terminal having a connection and browsing function to the mobile communication network connected to a mobile Internet or a DataTAC / Mobitex-based wireless data communication network Alternatively, a non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide 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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial transaction 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 financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined value type online account through an online channel may use the web server 1900 through at least one or more customer terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. ) And receive various application services provided by the web server 1900.

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

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

The web server 1900 may register the value online account at a web server 1900 provided to register the value online account at the financial institution, or a value online account registrar affiliated with the financial institution. Web server 1900 provided for the user, or a customer service including at least one of the wired terminal or the wireless terminal via the wired communication network or a wireless communication network, or a search service including at least one or more information / content, or a mini homepage / blog It is preferable to include a personalized service, a mail service, a messenger service, or a portal server or a search server that provides various information services.

According to the present invention, the web server 1900 provides at least one voucher information that is sold to at least one or more customers (or requests to open a new service) online at the financial institution in the information providing service provided to the customer terminal. And discount coupon information.

In addition, the web server 1900 is at least one or more for creating a value-based online account for the customer to deposit the value corresponding to the voucher information or discount coupon via a network means including the wired or wireless communication network A user interface is provided to the customer terminal, wherein the customer terminal inputs (or selects) predetermined value type online account application information for depositing a value corresponding to the voucher information or discount coupon through the user interface. And transmit to the web server 1900 through a network means including the wired or wireless communication network.

To this end, the client terminal outputs at least one user interface provided from the web server 1900, and inputs or selects at least one value-based online account application information through the user interface to the web server 1900. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the web server 1900, etc.) for transmitting to the web server is provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 1900 as described above, and provide at least one value-based online account application information through the user interface. Since it is possible to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminals or wireless terminals to be input or selected to transmit to the web server 1900, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the web server 1900 is characterized in that it comprises an interface unit 1905 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 1905 includes a protocol stack defined in the wired network or a wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the customer terminal and the predetermined communication channel with the customer terminal based on. .

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 1905 connects a communication channel with the customer terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the customer terminal is provided with a communication program provided by the web server 1900, the interface unit 1905 connects the communication channel with the customer terminal based on the TCP / IP protocol, and the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 may be connected with the customer terminal based on a protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 1905 connects a communication channel with the customer terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Referring to FIG. 19, the web server 1900 is connected to the interface unit 1905 when a predetermined client terminal accesses the web server 1900 through the interface unit 1905 or applies for a value-based online account. Generate a predetermined user interface (or extract it from a predetermined web source D / B (not shown)) to allow the customer terminal to input (or select) and transmit predetermined value type online account application information from the customer terminal. An information receiving unit for receiving predetermined value type online account application information inputted (or selected) and transmitted from the customer terminal through the user interface in cooperation with the interface providing unit 1910 and the interface unit 1905. And an information relay unit 1930 for providing the received value type online account application information to an information processing server 1935 provided in a financial institution through a predetermined communication means. It characterized by comprising a.

In addition, the web server 1900 may be a search service including at least one or more information / content in connection with the interface unit 1905 or at least one customer terminal, or a personalization service or a mail service including a mini homepage / blog. Or a web service unit 1915 for providing a web-based service including at least one of a messenger service or various information providing services, and having a general knowledge in the technical field to which the present invention pertains. If so, the web server 1900 will be familiar with how to provide the web-based service to at least one or more customer terminals to perform a function of a portal server or a search server, a detailed description thereof will be omitted for convenience.

In addition, the web server 1900 is applied for the value-based online account received from the customer terminal through the information receiving unit 1920 for the post-management of the value-type online account application information received through the information receiving unit 1920 The value-based online account issuance information including information or at least one or more value-based online account information generated by the information processing server 1935 based on the value-based online account application information. And an information storage unit 1925 for storing in the account registration D / B.

The interface providing unit 1910 is a value type online in response to a functional configuration provided in the customer terminal when a predetermined customer terminal accesses the web server 1900 or applies for an online account through the interface unit 1905. Generate a predetermined user interface capable of inputting (or selecting) account application information and transmitting it to the web server 1900 via the network means, or extracting from a predetermined database (not shown), and the interface unit 1905 And a user interface generated (or extracted from a predetermined web source D / B (not shown)) to the customer terminal through the network means.

Thereafter, the client terminal inputs (or selects) the value-based online account application information on the basis of the user interface, and transmits the input (or select) value-based online account application information through the network means to the web server ( 1900).

According to an embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1910 may provide a browser program or a communication program provided in the wired terminal. A user who has generated a user interface (or extracted from a predetermined web source D / B (not shown)), and has been created (or extracted from a predetermined web source D / B (not shown)) through the interface unit 1905. It is desirable to provide an interface to the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1910 may provide a browser program or a communication program provided in the wireless terminal. Generated (or extracted from a predetermined web source D / B (not shown)), and generated through the interface unit 1905 (or extracted from a predetermined web source D / B (not shown)). It is desirable to provide a user interface to the customer terminal.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined value type online account application information from the customer terminal in the web server 1900 may include at least one of a voucher and a discount coupon. It is preferred to include an interface for selecting at least one value online account to apply for.

According to another exemplary embodiment of the present invention, the user interface for selecting the value-based online account may include a predetermined value type for depositing a value corresponding to at least one voucher and a discount coupon in the future without selecting the voucher and the discount coupon. It is possible to include an interface for selecting an online account.

The user interface for receiving (or selecting) the value-based online account application information may include a value corresponding to a predetermined voucher (or a discount coupon) and the voucher (or a discount coupon) in the selected predetermined value-type online account. Or a plurality of vouchers (or discount coupons) and a plurality of vouchers (or discount coupons) corresponding to the selected predetermined value-value online account. It is desirable to include an interface for selecting a value type online account attribute to deposit the value of the dog.

According to another exemplary embodiment of the present invention, when the value-type online account attributes are collectively designated according to a preset policy, the user interface for selecting the value-type online account attributes may be omitted, thereby limiting the present invention. No.

In addition, the user interface for receiving (or selecting) the value-based online account application information includes an interface for outputting the terms and conditions information corresponding to the value-based online account to the customer terminal, and the customer agrees to the terms and conditions. It is preferable to make it.

In addition, the user interface for receiving (or selecting) the value-based online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, An address, an e-mail address, etc.) or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 1900. It is preferable.

Then, the customer terminal through the user interface of the value-based online account selection information corresponding to at least one or more value-based online account selected by the customer of the plurality of value-based online account, and the at least one or more selected value-based online account Value-added online account attribute information corresponding to the selection information, value-based online account application information including at least one or more of the terms and conditions agreement information corresponding to the value-based online account, and customer information for the customer of the value-based online account application; Input (or select) and transmit to the web server 1900 via the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the value-based online account application information may include a system for registering a rechargeable online account shown in FIG. 1 or 10 before registering the value-based online account. A pre-registered recharged online account including at least one prepaid card type online account (or a virtual account type online account) registered in the name of the customer through the bank account, or a real account of the customer name in the financial system And if previously registered, further comprises a user interface for inputting (or selecting) at least one or more of the rechargeable online account information to be associated with the valued online account, or prior to registering the valued online account. Rechargeable real account including at least one real account of the financial institution If registered, it is preferable further comprising a user interface for the rechargeable room account information input (or selected).

When an interface for inputting (or selecting) the rechargeable online account information (or the rechargeable real account information) is provided to the customer terminal, the client terminal may provide the rechargeable online account information (or the rechargeable real account) through the interface. Input (or select) rechargeable account information including at least one of the information) and transmit it to the web server 1900 through the network means, or the rechargeable online account information ( Or it is preferable to further include the chargeable account information including at least one chargeable real account information) to the web server 1900 via the network means.

In addition, when the user interface for inputting (or selecting) the value-based online account application information further includes a user interface for inputting (or selecting) the chargeable account information, the chargeable account information and the value-type It is preferable to further comprise a user interface for inputting (or selecting) value-type account linking attribute information for linking the online account.

When the user terminal is provided with a user interface for inputting (or selecting) value-type account interworking attribute information for linking the chargeable account information and the value-based online account to the customer terminal, the customer terminal communicates with the chargeable account through the interface. Enter (or select) value account linking attribute information for linking the value online account to the web server 1900 through the network means, or add the value account to the value online account application information. It is preferable to further include the interworking attribute information to transmit to the web server 1900 through the network means.

When the customer terminal inputs (or selects) predetermined value type online account application information through the user interface and transmits the information through the network means, the information receiving unit 1920 interworks with the interface unit 1905 to provide the value. And receiving the type online account application information, and provide the received value type online account application information to the information relay unit 1930 or the information storage unit 1925.

According to an embodiment of the present invention, the value-based online account application information may include value-based online account selection information for selecting at least one or more value-based online accounts selected by the customer among the plurality of value-based online accounts, and the selected at least one selected value. A value-based online account attribute information corresponding to one or more value-based online account selection information, agreement agreement information corresponding to the value-based online account, and at least one customer information for the value-based online account application customer. It is preferable.

The value-based online account selection information may include at least one value type that the customer applies to register among at least one value type online account that can be registered through the value-based online account registration system shown in FIG. It is preferable to include an online account.

According to an exemplary embodiment of the present invention, the value-based online account attribute information may be stored in a predetermined voucher issuing agency (eg, the Ministry of Health and Welfare, or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A voucher that is issued and attribute information for depositing only the value corresponding to the voucher, or a discount coupon issued by a predetermined discount coupon issuing agency (eg, a merchant group, a discount coupon affiliate group) and a corresponding discount coupon. Preferably, the value-type online account selection information includes at least one value-type online account corresponding to at least one voucher issuer (or discount coupon issuer). It is preferable to include information.

According to another exemplary embodiment of the present invention, the value-based online account attribute information may include a plurality of voucher issuing organizations (eg, the Ministry of Health and Welfare or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A plurality of vouchers issued by and a plurality of discount coupons including attribute information for depositing a plurality of values corresponding to the vouchers, or issued by a plurality of discount coupon issuing organizations (eg, merchant groups, discount coupon affiliate groups) And attribute information for depositing only the value corresponding to the discount coupon, wherein the value type online account selection information is a predetermined value type corresponding to a plurality of voucher issuers (or discount coupon issuers). It is preferable to include information for selecting an online account.

The agreement information corresponding to the value-based online account preferably includes information indicating that the customer has agreed to the terms defined by the financial institution in response to the value-based online account.

The customer information for the value-based online account application customer may input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) of the customer, or the web. Preferably, the server 1900 includes at least one or more pieces of customer member information (eg, customer ID information and password information).

In addition, the customer terminal inputs (or selects) predetermined chargeable online account information (or chargeable real account information) through the user interface and transmits the data through the network means, or at the customer terminal, the chargeable online When the account information (or chargeable real account information) is included in the value-type online account application information and transmitted, the information receiver 1920 cooperates with the interface unit 1905 to provide the chargeable online account information (or chargeable). Receivable account information including at least one real account information) characterized in that for receiving.

In addition, when the customer terminal inputs (or selects) value-type account interworking attribute information for linking the chargeable account and the value-based online account through the user interface, the information receiving unit 1920 transmits the interface unit. In operation 1905, the value type account interworking attribute information may be received.

According to an embodiment of the present invention, when at least one or more online accounts matching each voucher (or discount coupon) for each online account are selected through the value-type online account selection information, the value-type account linked attribute information is It is preferable to include attribute information for interworking the chargeable account (eg, chargeable online account information or chargeable real account information) with the selected at least one or more valued online accounts in a one-to-many manner.

According to another exemplary embodiment of the present invention, when a predetermined online account matching a plurality of vouchers (or discount coupons) is selected through the value type online account selection information, the value type account interworking attribute information may include the chargeable account ( For example, it is preferable to include the attribute information for one-to-one interworking with the selected on-line account information or charged real account information).

The information storage unit 1925 stores predetermined value type online account issuing information including the value type online account application information received through the information receiving unit 1920 in a predetermined value type online account registration D / B. In this case, when the web server 1900 is provided in an affiliated institution other than a financial institution, the affiliated institution is configured to provide the financial information based on the value-based online account application information stored in the value-based online account registration D / B. It provides a basis for receiving a fee for attracting customers of the value-based online account application from the institution.

The chargeable account information including at least one of the rechargeable online account information (or the rechargeable real account information) through the information receiving unit 1920, and the value of linking the rechargeable account with at least one value online account. When the type account interworking attribute information is received, the information storage unit 1925 associates the value type online account application information with the chargeable online account information (or the chargeable real account information) and the value type account interworking attribute information. The value-based online account issuance information is stored in the value-based online account registration D / B.

According to the method of the present invention, the information storage unit 1925 is the information processing server 1935 at least one or more value-based online account corresponding to the value-based online account application information is opened, the web server ( The value-based online account issuance information is further included in the value-based online account issuing information by the value-based online account information registered by the information processing server 1935 to process at least one additional service corresponding to the value-based online account at 1900. Registering value online account information stored in the value online account registration D / B, or substituting the value online account application information included in the value online account issue information with the value online account information registered by the information processing server 1935. Preferably, the present invention is not limited thereto.

The information relay unit 1930 corresponds to the value type online account (eg, corresponding to the value type online account) through the value type online account application information received through the information receiving unit 1940 through a predetermined communication means. It is characterized in that the relay transmission to the information processing server (1935) provided in the financial institution that the online account is opened.

Here, the communication means for connecting the web server 1900 and the information processing server 1935 may be a dedicated communication network that blocks access by a third party other than the web server 1900 and the information processing server 1935 or the web. A secure communication network (eg, the web server 1900) encrypts the value-based online account application information by a predetermined encryption method to provide a secure communication function between the server 1900 and the information processing server 1935. ) And a communication network for decrypting the value type online account application information through the decryption scheme corresponding to the encryption scheme in the information processing server 1935.

Through the information receiving unit 1940, the chargeable account information including at least one or more of the chargeable online account information (or chargeable real account information), and the value of linking the chargeable account and at least one or more value type online account When the type account interworking attribute information is received, the information relay unit 1930 is configured to include the account information and the chargeable account information including at least one of the chargeable online account information (or chargeable real account information). Relaying to the information processing server 1935 provided in a predetermined financial institution corresponding to the value-based online account (for example, an online account corresponding to the value-based online account is opened) through a predetermined communication means. In this way, the information processing server (1935) is opened based on the value-type account linked attribute information and the charge-type account information Even if it is desirable to associate the treatment of one or more value-Online account.

According to another exemplary embodiment of the present invention, when the information processing server 1935 is provided with a web server 1900 function or the information processing server 1935 is a predetermined banking server, the information relay unit 1930 is provided. By linking and relaying the customer terminal and the information processing server 1935, the value processing online account application information (or the value type online account application information and the chargeable type) from the customer terminal in the information processing server 1935. It is possible to relay directly to a predetermined user interface for receiving account information and value-type account interworking attribute information), whereby the information processing server 1935 is configured to receive the information from the client terminal through a predetermined network means. It is possible to directly receive value online account application information, whereby the invention is not limited.

According to another exemplary embodiment of the present invention, at least one web server 1900 and the information processing server 1935 may be relayed between the web server 1900 and the information processing server 1935 or the web server may be used. A predetermined relay server (not shown) further relays 1900 and at least one information processing server 1935 or relays at least one web server 1900 and at least one information processing server 1935. It is possible that the present invention is not limited thereby.

Referring to FIG. 19, the information processing server 1935 may provide value online account application information (or the value online account application information and chargeable account information and value) provided from the web server 1900 through the communication means. The value-type online account selection information included in the value-type online account application information received through the information receiving unit 1940 and the value-type online account application information received through the information receiving unit 1940 in association with a predetermined financial system. And a value-based online account opening unit 1945 (or an account opening means) for opening at least one value-type online account. The chargeable account information and value may be provided through the information receiving unit 1940. If the type account linked attribute information is further received, the charged type account information and the registered based on the value type linked account information; And an account information registration unit 1950 (or account information registration means) for storing at least one value type online account information in a predetermined storage medium (or ledger D / B).

The information receiving unit 1940 is characterized in that for receiving the value-based online account application information provided from the web server 1900 through the communication means, the value-based online account application information received Provided to the establishment section (1945).

According to an embodiment of the present invention, when the value type online account application information provided from the web server 1900 is encrypted, the information receiving unit 1940 further includes a function of decrypting the encrypted value type online account application information. It is preferable to make it.

When the value-based online account application information is provided from the web server 1900 through the information receiving unit 1940, the value-based online account opening unit 1945 may include the value included in the value-based online account application information. Check the value type online account application information and the value type online account attribute information, and link the predetermined value type online account selection information with a predetermined financial system based on the identified value type online account application information and value type online account attribute information. It is characterized by opening a corresponding at least one value online account.

Here, the value-based online account opening unit 1945 to open a value-based online account corresponding to the value-based online account application information, the value-based online account application to the ledger D / B provided on the financial system A predetermined customer ledger corresponding to the information (can be omitted if the customer ledger is already registered) and at least one valued online account ledger corresponding to the valued online account selection information (eg, at least one voucher and a discount coupon) And a ledger for depositing a value corresponding to the voucher and the discount coupon).

When the rechargeable account information and the account interworking attribute information are further received through the information receiving unit 1940, the account information registering unit 1950 registers the rechargeable account information and the registration based on the value-type account interworking attribute information. And storing at least one value-based online account information in a predetermined storage medium (or ledger D / B).

According to an embodiment of the present invention, when the chargeable online account information and the account interworking attribute information are further received through the information receiving unit 1940, the account information registration unit 1950 is the chargeable online account information on the ledger. It is preferable to link a predetermined rechargeable online account ledger corresponding to the at least one registered online ledger with at least one value, and according to the intention of a person skilled in the art, the rechargeable online account information and the registered at least one value ledger. It is preferable to store the online account information in a predetermined storage medium in a cooperative process.

According to another exemplary embodiment of the present invention, when the real account information and the account interworking attribute information are further received through the information receiving unit 1940, the account information register unit 1950 is configured as the real account on the ledger. It is preferable to link the predetermined account ledger corresponding to the information with the registered at least one value online online ledger, and according to the intention of the person skilled in the art, the chargeable real account information and the registered at least one value online account. It is desirable to store the information in a predetermined storage medium by linking the information.

20 is a diagram showing the configuration of value-based online ledger information according to an embodiment of the present invention.

More specifically, FIG. 20 illustrates that the value type online account ledger information is stored in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. 19. The value-type account is provided in the state in which the account ledger information corresponding to the real account of the customer who registers the value-based online account in the ledger D / B and the chargeable online account ledger information corresponding to the chargeable online account are already provided. It relates to an implementation method of linking and storing online ledger information.

Those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 20, and the account ledger information and the value-based online account ledger corresponding to the chargeable real account of the customer's name in the ledger D / B. An implementation method of linking and storing information, or an implementation method of linking and storing the stored online ledger information corresponding to the charged online account of the customer's name and the value-based online ledger information in the ledger D / B. Or, it may be able to infer a variety of information configuration methods such as the implementation method for storing only the value-based online ledger information in the ledger D / B, the present invention includes all the implementation method inferred, It is not limited only to the implementation method shown.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 20 to display the at least one of the chargeable online account information (or the chargeable real account information) in a predetermined storage medium other than the ledger D / B. Any implementation method of linking and storing one or more value type online account information may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in a DBMS on a financial system corresponds to a predetermined customer ledger and a real account of a customer name associated with the customer ledger. Rechargeable online that includes an account ledger (for example, a reception ledger, a loan ledger, etc.) and corresponds to a prepaid card type online account (or a virtual account type online account) registered in the customer ledger under the name of the customer. An online account ledger including at least one account ledger information and at least one value online account ledger information registered through the value online account registration system shown in FIG. 19 is provided. If you have a general knowledge in the details of the various ledgers stored in the ledger D / B provided in the DBMS on the financial system in addition to the ledger Since you are the read group information structure, a detailed description thereof will be omitted for convenience.

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.

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 is linked to the 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 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, the account ledger stores account ledger information corresponding to a real account in the customer's name, wherein at least one real account of the account ledger is associated with the value-based online ledger. It is preferable to correspond to the account.

The online ledger is a prepaid card type online account of the customer's name registered through the rechargeable online account registration system shown in FIG. 1 (or the registered online account registered system shown in FIG. 1). And at least one rechargeable online account ledger information of a virtual account type online account in a customer's name.

According to an embodiment of the present invention, the rechargeable online account ledger information may include an account number corresponding to the online account, money information charged (or deposited) in the online account, and the rechargeable online account attribute information ( For example, it is preferable to include various limit amount information corresponding to the online account.

If the rechargeable online account includes a prepaid card system, the account number is preferably a prepaid card system, or if the rechargeable online account includes a virtual account system, the rechargeable online account ledger information. Preferably, the account further includes mother account information associated with the online account.

In addition, the online ledger stores at least one value-based online ledger information registered through the value-based online account registration system shown in FIG.

According to the method of the present invention, the value-based online ledger information, the account number corresponding to the online account and at least one account corresponding to the value-based online account attribute information included in the value-based online account application information It is preferable to include attribute information.

According to an exemplary embodiment of the present invention, the value-based online account attribute information may be stored in a predetermined voucher issuing agency (eg, the Ministry of Health and Welfare, or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A voucher that is issued and attribute information for depositing only the value corresponding to the voucher, or a discount coupon issued by a predetermined discount coupon issuing agency (eg, a merchant group, a discount coupon affiliate group) and a corresponding discount coupon. Preferably, the online ledger includes a plurality of value-added online ledger information for each voucher issuer (or voucher type, or voucher group), or each of the online ledgers. By discount coupon issuer (or type of discount coupon, or discount coupon group) It is desirable to include several valuable online ledger information.

According to another exemplary embodiment of the present invention, the value-based online account attribute information may include a plurality of voucher issuing organizations (eg, the Ministry of Health and Welfare or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A plurality of vouchers issued by and a plurality of discount coupons including attribute information for depositing a plurality of values corresponding to the vouchers, or issued by a plurality of discount coupon issuing organizations (eg, merchant groups, discount coupon affiliate groups) And attribute information to deposit only a value corresponding to the discount coupon, in which case the online ledger includes a plurality of vouchers / discount coupons corresponding to a plurality of voucher issuers (or discount coupon issuers). It is desirable to include any value-based online ledger information that matches. .

Those skilled in the art to which the present invention belongs, for depositing the information on the rechargeable online account ledger, the various vouchers and discount coupons and the vouchers and discount coupons provided in the online ledger Since the value-based online ledger information may be inferred, a detailed description thereof will be omitted for convenience.

According to the present invention, the account ledger information (or the rechargeable online account ledger information) and the at least one value-based online ledger information corresponding to the rechargeable account information according to the rechargeable account information and the account interworking attribute information are relationally related. It is characterized in that the interlock.

According to an embodiment of the present invention, the chargeable account (for example, a chargeable online account or a chargeable real account) and at least one or more valued online accounts are linked to the valued account linkage attribute information in a one-to-many manner. When the attribute information is included, the charged online ledger information corresponding to the rechargeable account and at least one value-based online ledger information included in the online ledger are linked relationally or correspond to the rechargeable account. The account ledger information and at least one value-type online account ledger information included in the online account ledger is characterized in that the relationship is linked.

According to another exemplary embodiment of the present invention, the value-type account interworking attribute information may include attribute information for interworking the chargeable account (eg, a chargeable online account or a chargeable real account) with a predetermined value-type online account one-to-one. When included, the rechargeable online ledger information corresponding to the rechargeable account and the predetermined value-based online ledger information included in the online ledger are linked relationally or account ledger information corresponding to the rechargeable account. And the predetermined value type online account ledger information included in the online ledger is linked in a relational manner.

21 is a diagram illustrating an information providing process for registering a value type online account according to one embodiment of the present invention.

In more detail, FIG. 21 illustrates that when the web server 1900 illustrated in FIG. 19 provides a predetermined value type online account request user interface to the customer terminal, the user terminal receives the value type online account request user interface. Input (or select) predetermined value type online account application information, rechargeable account information, and value type account interworking attribute information to provide to the web server 1900 through a predetermined network means, and at the web server 1900 The present invention relates to a process of providing the value-based online account application information, the rechargeable account information, and the value-type account interworking attribute information to a data processing server 1935 provided in the financial institution through a predetermined communication means. Those skilled in the art may refer to or modify the drawing 21 to provide information on registering the value-based online account. Would be able to infer a variety of exemplary methods for the course, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 21.

For example, in FIG. 21, a predetermined value-type online account application information, a chargeable account information, and a value-type account linking attribute information are illustrated (or selected) through the value-based online account application user interface. Before registering the value-based online account through the value-based online account registration system shown in FIG. 19, a chargeable online account of the customer's name is established through the charge-type online account registration system shown in FIG. 1 or 10. The value type is not registered or the real account of the customer's name is not opened in the financial institution before registering the value type online account through the value type online account registration system shown in FIG. Apply for a value-based online account through the online account subscription user interface Only it can be provided, and the charge account type information and value-linked account attribute information, it is possible to be registered in a separate information registration process, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 1900 and the information processing server 1935 in the web server 1900 The value-type online account application information, the chargeable account information and the value-type account interworking attribute information are encrypted and transmitted, and the information processing server 1935 connects the value-type online account application information, the chargeable account information and the value-type account. Although an implementation method for decoding attribute information may be inferred, the present invention includes the inferred implementation method, and the present invention is not limited thereto.

Referring to FIG. 21, the customer terminal illustrated in FIG. 19 connects to the web server 1900 through a network means including at least one wired or wireless communication network (2100), and to the web server 1900. When requesting a predetermined value online account request user interface (2105), the web server 1900 inputs predetermined value online account application information, rechargeable account information, and value type account interworking attribute information (or the like). And generate (or extract) a value-based online account application user interface for selection and transmission (2110), and provide the generated (or extracted) value-based online account application user interface to the customer terminal (2115).

According to an embodiment of the present invention, the value-based online account application user interface preferably includes an interface for selecting at least one or more value-based online accounts to which the customer applies among at least one or more vouchers and discount coupons.

According to another exemplary embodiment of the present invention, the value-based online account application user interface may deposit a value corresponding to at least one voucher and a discount coupon in the future without selecting the voucher and the discount coupon. It is possible to include an interface for selecting.

In addition, the value-based online account application user interface, the value-based online account to deposit a value corresponding to a predetermined voucher (or discount coupon) and the voucher (or discount coupon) in the selected predetermined value-type online account, respectively. Value-based online, including an interface for selecting an attribute, or depositing a plurality of vouchers (or discount coupons) and a plurality of values corresponding to the voucher (or discount coupons) in the selected predetermined value-based online account. It is preferable to include an interface for selecting an account attribute.

According to another exemplary embodiment of the present invention, when the value-type online account attributes are collectively designated according to a preset policy, the value-type online account application user interface may be omitted, and the present invention is not limited thereto.

In addition, the value-based online account application user interface, preferably outputs the terms and conditions information corresponding to the value-based online account to the customer terminal, the customer includes an interface to agree to the terms and conditions.

In addition, the value-based online account application user interface inputs customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the value-based online account ( Or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 1900.

According to the implementation method of the present invention, the value-based online account application user interface is prepaid registered in the name of the customer through the chargeable online account registration system shown in FIG. 1 or 10 before the value-based online account registration. The value type online when a recharged online account including at least one card type online account (or a virtual account type online account) is pre-registered or a real account of the customer's name is pre-registered in the financial system. Or a user interface for inputting (or selecting) at least one of the at least one rechargeable online account information to be associated with an account, or at least one real account of the customer's name prior to registering the value online account. If the real account is registered with the financial institution, the real account Type information (or selected) is preferably further comprises a user interface.

In addition, when the value-based online account application user interface further includes a user interface for inputting (or selecting) the charge-type account information, linking the value-type account that links the charge-type account information and the value-based online account. Preferably, the method further includes a user interface for inputting (or selecting) attribute information.

Thereafter, the customer terminal inputs (or selects) predetermined value type online account application information, charging type account information, and value type account linking attribute information through the value type online account application user interface (2120).

According to an embodiment of the present invention, the value-based online account application information may include value-based online account selection information for selecting at least one or more value-based online accounts selected by the customer among the plurality of value-based online accounts, and the selected at least one selected value. A value-based online account attribute information corresponding to one or more value-based online account selection information, agreement agreement information corresponding to the value-based online account, and at least one customer information for the value-based online account application customer. It is preferable.

The value-based online account selection information may include at least one value-based online application that the customer applies to register among at least one or more value-based online accounts that can be registered through the value-based online account registration system shown in FIG. It is preferable to include an account.

According to an exemplary embodiment of the present invention, the value-based online account attribute information may be stored in a predetermined voucher issuing agency (eg, the Ministry of Health and Welfare, or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A voucher that is issued and attribute information for depositing only the value corresponding to the voucher, or a discount coupon issued by a predetermined discount coupon issuing agency (eg, a merchant group, a discount coupon affiliate group) and a corresponding discount coupon. Preferably, the value-type online account selection information includes at least one value-type online account corresponding to at least one voucher issuer (or discount coupon issuer). It is preferable to include information.

According to another exemplary embodiment of the present invention, the value-based online account attribute information may include a plurality of voucher issuing organizations (eg, the Ministry of Health and Welfare or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A plurality of vouchers issued by and a plurality of discount coupons including attribute information for depositing a plurality of values corresponding to the vouchers, or issued by a plurality of discount coupon issuing organizations (eg, merchant groups, discount coupon affiliate groups) And attribute information for depositing only the value corresponding to the discount coupon, wherein the value type online account selection information is a predetermined value type corresponding to a plurality of voucher issuers (or discount coupon issuers). It is preferable to include information for selecting an online account.

The agreement information corresponding to the value-based online account preferably includes information indicating that the customer has agreed to the terms defined by the financial institution in response to the value-based online account.

The customer information for the value-based online account application customer may input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) of the customer, or the web. Preferably, the server 1900 includes at least one or more pieces of customer member information (eg, customer ID information and password information).

In addition, the customer terminal inputs (or selects) predetermined chargeable online account information (or chargeable real account information) through the user interface and transmits the data through the network means, or at the customer terminal, the chargeable online When the account information (or chargeable real account information) is included in the value-type online account application information and transmitted, the information receiver 1940 is linked with the interface unit 1905 to provide the chargeable online account information (or chargeable). Receivable account information including at least one real account information) characterized in that for receiving.

In addition, when the customer terminal inputs (or selects) value-type account interworking attribute information for linking the chargeable account and the value-based online account through the user interface, the information receiving unit 1920 transmits the interface unit. In operation 1905, the value type account interworking attribute information may be received.

According to an embodiment of the present invention, when at least one or more online accounts matching each voucher (or discount coupon) for each online account are selected through the value-type online account selection information, the value-type account linked attribute information is It is preferable to include attribute information for interworking the chargeable account (eg, chargeable online account information or chargeable real account information) with the selected at least one or more valued online accounts in a one-to-many manner.

According to another exemplary embodiment of the present invention, when a predetermined online account matching a plurality of vouchers (or discount coupons) is selected through the value type online account selection information, the value type account interworking attribute information may include the chargeable account ( For example, it is preferable to include the attribute information for one-to-one interworking with the selected on-line account information or charged real account information).

If the customer terminal enters (or selects) the value-based online account application information, the chargeable account information, and the value-type account interworking attribute information (2125), the customer terminal receives the web server 1900 through a predetermined network means. And transmits the input (or selected) value-added online account application information, the chargeable account information, and the value-type account interworking attribute information (2130), and in response, the web server 1900 applies for the value-based online account application. The linked online account information (or charged real account information) and the value account linking attribute information included in the information and the rechargeable account information are stored in a predetermined value online account registration D / B (2135), The value-type online account is transferred to a predetermined information processing server 1935 associated with a financial system equipped with an online ledger corresponding to the value-based online account through predetermined communication means. The office information and the rechargeable account information are transmitted (2140).

22 is a diagram illustrating an information providing process for registering a value type online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 22 illustrates that when the web server 1900 illustrated in FIG. 19 provides a predetermined value-based online account request user interface to the customer terminal, the customer terminal receives the value-based online account request user interface. Input (or select) and encrypt predetermined value type online account application information, rechargeable account information, and value type account interworking attribute information to provide to the web server 1900 through a predetermined network means, and the web server 1900 ) Decodes the value-based online account application information, the charge-type account information and the value-type account interworking attribute information and transfers the value-type online account application information, the rechargeable account information and the value-type account interworking attribute information through a predetermined communication means. As a process for providing to the information processing server 1935 provided in the financial institution, the technical field to which the present invention belongs One of ordinary skill in the art may refer to or modify this drawing 22 to infer various implementation methods for the information provision process for registering the value-based online account. It is not limited by the implementation method shown in FIG.

For example, in FIG. 22, a description is given of inputting (or selecting) predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information through the value-based online account application user interface. Before registering the value-based online account through the value-based online account registration system shown in FIG. 19, a chargeable online account of the customer's name is established through the charge-type online account registration system shown in FIG. 1 or 10. The value type is not registered or the real account of the customer's name is not opened in the financial institution before registering the value type online account through the value type online account registration system shown in FIG. Apply for a value-based online account through the online account subscription user interface Only it can be provided, and the charge account type information and value-linked account attribute information, it is possible to be registered in a separate information registration process, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 1900 and the information processing server 1935 in the web server 1900 The value-type online account application information, the charge-type account information and the value-type account interworking attribute information is encrypted and transmitted, and the information processing server (1935) the value-type online account application information, the rechargeable account information and the value-type account Although an implementation method of decoding the interworking attribute information may be inferred, the present invention includes the inferred implementation method, and the present invention is not limited thereto.

Referring to FIG. 22, the customer terminal illustrated in FIG. 19 accesses the web server 1900 through a network means including at least one wired or wireless communication network (2200), and passes to the web server 1900. When requesting a predetermined value online account request user interface (2205), the web server 1900 inputs predetermined value online account application information, rechargeable account information, and value account interworking attribute information (or Generate a value-based online account application user interface having a security function for encrypting and transmitting the input (or selected) value-type online account application information, the chargeable account information, and the value-account interworking attribute information. Extract (2210) and provide the generated (or extracted) value-based online account application user interface to the customer terminal (2215).

Here, the security function provided in the value-based online account request user interface is a predetermined encryption method for the value-type online account application information, the chargeable account information and the value-type account interworking attribute information input (or selected) from the customer terminal. And at least one function of attaching the electronic signature of the customer to the value type online account application information, the chargeable account information, and the value type account interworking attribute information.

According to an embodiment of the present invention, the security function is preferably formed in the form of a security program linked to the value-based online account application user interface, wherein the security program for encrypting the value-based online account application information It is preferred to have at least one encryption key.

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

According to an embodiment of the present invention, the value-based online account application user interface preferably includes an interface for selecting at least one or more value-based online accounts to which the customer applies among at least one or more vouchers and discount coupons.

According to another exemplary embodiment of the present invention, the value-based online account application user interface may deposit a value corresponding to at least one voucher and a discount coupon in the future without selecting the voucher and the discount coupon. It is possible to include an interface for selecting the.

In addition, the value-based online account application user interface, the value-based online account to deposit a value corresponding to the voucher (or discount coupon) and the voucher (or discount coupon), respectively, in the selected predetermined value-based online account. Value-based online, including an interface for selecting an attribute, or depositing a plurality of vouchers (or discount coupons) and a plurality of values corresponding to the voucher (or discount coupons) in the selected predetermined value-based online account. It is preferable to include an interface for selecting an account attribute.

According to another exemplary embodiment of the present invention, when the value-type online account attributes are collectively designated according to a preset policy, the value-type online account application user interface may be omitted, and the present invention is not limited thereto.

In addition, the value-based online account application user interface, preferably outputs the terms and conditions information corresponding to the value-based online account to the customer terminal, the customer includes an interface to agree to the terms and conditions.

In addition, the value-based online account application user interface, customer personal information (eg, customer name, resident registration number, phone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the value-based online account Or an interface for inputting (or selecting) or inputting (or selecting) the customer member information (eg, customer ID information and password information) provided in the web server 1900.

According to the implementation method of the present invention, the value-based online account application user interface is prepaid registered in the name of the customer through the chargeable online account registration system shown in FIG. 1 or 10 before the value-based online account registration. The value type online when a recharged online account including at least one card type online account (or a virtual account type online account) is pre-registered or a real account of the customer's name is pre-registered in the financial system. Or a user interface for inputting (or selecting) at least one of the at least one rechargeable online account information to be associated with an account, or at least one real account of the customer's name prior to registering the value online account. If the real account is registered with the financial institution, the real account Type information (or selected) is preferably further comprises a user interface.

In addition, when the value-based online account application user interface further includes a user interface for inputting (or selecting) the charge-type account information, linking the value-type account that links the charge-type account information and the value-based online account. Preferably, the method further includes a user interface for inputting (or selecting) attribute information.

Thereafter, the customer terminal inputs (or selects) predetermined value type online account application information, charging type account information, and value type account linking attribute information through the value type online account application user interface (2220).

According to an embodiment of the present invention, the value-based online account application information may include value-based online account selection information for selecting at least one or more value-based online accounts selected by the customer among the plurality of value-based online accounts, and the selected at least one selected value. A value-based online account attribute information corresponding to one or more value-based online account selection information, agreement agreement information corresponding to the value-based online account, and at least one customer information for the value-based online account application customer. It is preferable.

The value-based online account selection information may include at least one value-based online application that the customer applies to register among at least one or more value-based online accounts that can be registered through the value-based online account registration system shown in FIG. It is preferable to include an account.

According to an exemplary embodiment of the present invention, the value-based online account attribute information may be stored in a predetermined voucher issuing agency (eg, the Ministry of Health and Welfare, or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A voucher that is issued and attribute information for depositing only the value corresponding to the voucher, or a discount coupon issued by a predetermined discount coupon issuing agency (eg, a merchant group, a discount coupon affiliate group) and a corresponding discount coupon. Preferably, the value-type online account selection information includes at least one value-type online account corresponding to at least one voucher issuer (or discount coupon issuer). It is preferable to include information.

According to another exemplary embodiment of the present invention, the value-based online account attribute information may include a plurality of voucher issuing organizations (eg, the Ministry of Health and Welfare or the Ministry of Culture and Tourism) in a predetermined online account selected by the value-based online account selection information. A plurality of vouchers issued by and a plurality of discount coupons including attribute information for depositing a plurality of values corresponding to the vouchers, or issued by a plurality of discount coupon issuing organizations (eg, merchant groups, discount coupon affiliate groups) And attribute information for depositing only the value corresponding to the discount coupon, wherein the value type online account selection information is a predetermined value type corresponding to a plurality of voucher issuers (or discount coupon issuers). It is desirable to include information on selecting an online account.

The agreement information corresponding to the value-based online account preferably includes information indicating that the customer has agreed to the terms defined by the financial institution in response to the value-based online account.

The customer information for the value-based online account application customer may input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) of the customer, or the web. Preferably, the server 1900 includes at least one or more pieces of customer member information (eg, customer ID information and password information).

In addition, the customer terminal inputs (or selects) predetermined chargeable online account information (or chargeable real account information) through the user interface and transmits the data through the network means, or at the customer terminal, the chargeable online When the account information (or chargeable real account information) is included in the value-type online account application information and transmitted, the information receiver 1920 cooperates with the interface unit 1905 to provide the chargeable online account information (or chargeable). Receivable account information including at least one real account information) characterized in that for receiving.

In addition, when the customer terminal inputs (or selects) value-type account interworking attribute information for linking the chargeable account and the value-based online account through the user interface, the information receiving unit 1920 transmits the interface unit. In operation 1905, the value type account interworking attribute information may be received.

According to an embodiment of the present invention, when at least one or more online accounts matching each voucher (or discount coupon) for each online account are selected through the value-type online account selection information, the value-type account linked attribute information is It is preferable to include attribute information for interworking the chargeable account (eg, chargeable online account information or chargeable real account information) with the selected at least one or more valued online accounts in a one-to-many manner.

According to another exemplary embodiment of the present invention, when a predetermined online account matching a plurality of vouchers (or discount coupons) is selected through the value type online account selection information, the value type account interworking attribute information may include the chargeable account ( For example, it is preferable to include the attribute information for one-to-one interworking with the selected on-line account information or charged real account information).

If the customer terminal enters (or selects) the value-based online account application information, the chargeable account information, and the value-type account interworking attribute information (2225), the customer terminal is included in the value-based online account application user interface. Through the security function, the value-based online account application information, the rechargeable account information, and the value-based account interworking attribute information are encrypted (2230), and the encrypted value-type online account application information, the rechargeable account information and the value-account interworking attribute Information is transmitted to the web server 1900 via a predetermined network means (2235), and in response, the web server 1900 provides the value-based online account application information, the chargeable account information, and the value-type account interworking attribute information. Received and decrypted (2240), and the chargeable online included in the decrypted value-based online account application information and rechargeable account information The left information (or recharged real account information) and the value-account linking attribute information are processed in association with each other and stored in the predetermined value-type online account registration D / B (2245), and the value-type online account is transferred through a predetermined communication means. The value-based online account application information and the rechargeable account information are transmitted to a predetermined information processing server 1935 associated with a financial system equipped with a corresponding online account ledger (2250).

23 is a diagram illustrating a value-based online account registration process according to the first embodiment of the present invention.

In more detail, FIG. 23 shows the web server 1900 through an information providing process for registering a value-based online account shown in FIG. 21 or 22 in a customer terminal on the value-based online account registration system shown in FIG. Information processing server on the value-based online account registration system shown in FIG. 19 by the web server 1900 by providing predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information. 1935, when the value-based online account application information, the chargeable account information and the value-type account interworking attribute information is relayed and transmitted, the information processing server 1935 based on the value-based online account application information at least one or more value type Register an online account, and based on the value-type account linkage attribute information and a chargeable account corresponding to the chargeable account information The process of registering the registered value-based online account in a predetermined storage medium. Specifically, the value-type online account application information is issued by a voucher issuer (or a voucher type, or a voucher group) (or issuing a discount coupon). Information for registering a plurality of value-based online ledger information for each institution (or discount coupon type, or discount coupon group), wherein the rechargeable account information is the rechargeable online account shown in FIG. Including a predetermined charge-type online account information registered through the registration system, if the value-type account linkage attribute information includes a one-to-one linkage attribute, the chargeable account and the plurality of value-type online account on a ledger in a one-to-one manner 2 is a diagram illustrating an implementation method for registering in association with a network.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 23 to infer various implementation methods for the value-based online account registration process. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

In this figure 23, the information processing server 1935 on the value type online account registration system shown in figure 19 is referred to as " server " for convenience.

Referring to FIG. 23, a voucher issuer (or a voucher type, or a voucher group) by web server 1900 on the value-based online account registration system shown in FIG. Value-based online account application information including information for registering a plurality of value-based online ledger information by coupon issuer (or discount coupon type, or discount coupon group), and the charging shown in FIG. When the chargeable account information including the predetermined charge-type online account information registered through the type-type online account registration system and the value-type account interworking attribute information including the one-to-one interworking attribute are transmitted, the server transmits the information through the communication means. Receiving the value-based online account application information, the rechargeable account information and the value-type account interworking attribute information from the web server (1900) (2300), Read the pre-valued online account application information and confirm that at least one value-based online account corresponding to the valuable online account selection information and the valuable online account attribute information included in the valuable online account application information can be registered. (2305).

According to the method of the present invention, checking whether the value-based online account can be registered may include registering the value-type online account when a predetermined charge-type account is opened to the customer. It is preferable to include a process of checking the validity of the account information.

If it is confirmed that the value-based online account cannot be registered (2310), the server generates predetermined account registration error information and provides it to the web server 1900 (2315), and the web server 1900 The account registration error information is transmitted to the customer terminal (2320).

On the other hand, if the verification result can register the value-based online account (2310), the server at least one corresponding to the value-based online account selection information and value-based online account attribute information included in the value-based online account application information The value type transmitted from the customer terminal is generated by generating value online account ledger information (2325) and storing the generated at least one value type online account ledger information in the online account ledger in association with the financial system (2330). Register at least one value online account corresponding to the online account application information.

Thereafter, the server checks whether the rechargeable account information and the value-type account interworking attribute information have been received from the web server 1900, and if the rechargeable account information and the value-type account interworking attribute information are received (2340). And a value-based online account corresponding to the registered online ledger information corresponding to the chargeable account information and the registered at least one value-based online account according to the one-to-one valued account linkage attribute information in connection with the financial system. The ledger information is linked and stored in the ledger D / B (2345).

According to another embodiment of the present invention, the server corresponds to the chargeable online account ledger information corresponding to the chargeable account information and the registered at least one valued online account according to the one-to-one value-type account linked attribute information. The value-type online account ledger information may be stored in a predetermined storage medium in connection with the value-type online account ledger information, and thus the present invention is not limited thereto.

Thereafter, the server generates predetermined account registration information including the registered value-based online account information and provides it to the web server 1900 (2350), and the web server 1900 registers the value-based online account. The registered value-added online account information is further included in D / B (2355), and the account registration information is transmitted to the customer terminal (2360).

24 is a diagram illustrating a value-based online account registration process according to the second embodiment of the present invention.

More specifically, FIG. 24 shows the web server 1900 through an information providing process for registering a value-based online account shown in FIG. 21 or 22 in a customer terminal on the value-based online account registration system shown in FIG. Information processing server on the value-based online account registration system shown in FIG. 19 by the web server 1900 by providing predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information. 1935, when the value-based online account application information, the chargeable account information and the value-type account interworking attribute information is relayed and transmitted, the information processing server 1935 based on the value-based online account application information at least one or more value type Register an online account, and based on the value-type account linkage attribute information and a chargeable account corresponding to the chargeable account information The process of registering the registered value-based online account in a predetermined storage medium. Specifically, the value-type online account application information corresponds to a plurality of voucher issuers (or voucher types or voucher groups). Information for registering predetermined value-type online ledger information that may have a plurality of vouchers and a plurality of discount coupons corresponding to a plurality of discount coupon issuing organizations (or discount coupon types, or discount coupon groups), The chargeable account information includes predetermined chargeable online account information registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, and the value-type account linked attribute information includes one-to-many linked attribute. In the case that the chargeable account and the predetermined value-type online account to be registered on the ledger A diagram illustrating a exemplary method for rock.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 24 to infer various implementation methods for the value-based online account registration process. It is made, including, and the technical features are not limited only to the embodiment shown in FIG.

In the drawing 24, the information processing server 1935 on the value type online account registration system shown in the drawing 19 is referred to as " server " for convenience.

Referring to FIG. 24, a plurality of voucher issuing organizations (or voucher types, or voucher groups) corresponding to a plurality of voucher issuers from the web server 1900 on the value-based online account registration system shown in FIG. 19 to the server through predetermined communication means And information for registering predetermined value-type online ledger information that may include a plurality of vouchers, and a plurality of discount coupons corresponding to a plurality of discount coupon issuers (or types of discount coupons or discount coupon groups). Rechargeable account information including value-based online account application information, predetermined chargeable online account information registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, and one-to-many interworking attributes. When the value-type account linking attribute information is transmitted, the value-type on from the web server 1900 through the communication means in the server Receive line account application information, rechargeable account information and value account linkage attribute information (2400), and read the value-based online account application information and the value-based online account selection information included in the value-based online account application information and It is determined whether at least one value-based online account corresponding to the value-based online account attribute information can be registered (2405).

According to the implementation method of the present invention, confirming whether the value-based online account can be registered, if the predetermined value-type online account can be registered to the customer, if the value-based online account can be registered, the charge-type It is preferable to include a process of checking the validity of the account information.

If it is determined that the value-based online account cannot be registered (2410), the server generates predetermined account registration error information and provides the web server 1900 (2415), and the web server 1900 The account registration error information is transmitted to the customer terminal (2420).

On the other hand, if the verification result is able to register the value-based online account (2410), the server is a predetermined value corresponding to the value-based online account selection information and value-based online account attribute information included in the value-based online account application information A value-based online account transmitted from the customer terminal by generating (2425) type online ledger information and storing the generated value-based online ledger information in the online account ledger in association with the financial system (2430). Register a predetermined value type online account corresponding to the application information.

Thereafter, the server checks whether the rechargeable account information and the value-type account interworking attribute information have been received from the web server 1900, and if the rechargeable account information and the value-type account interworking attribute information are received (2440). And a value-based online account corresponding to the registered online value ledger information corresponding to the chargeable account information and the registered value-based online account according to the one-to-many value-type account linked attribute information in connection with the financial system. The ledger information is linked and stored in the ledger D / B (2445).

According to another embodiment of the present invention, the server corresponds to the chargeable online account ledger information corresponding to the chargeable account information according to the one-to-many value-type account linked attribute information and the registered predetermined valued online account. The value-type online account ledger information may be stored in a predetermined storage medium in connection with the value-type online account ledger information, and thus the present invention is not limited thereto.

Thereafter, the server generates predetermined account registration information including the registered value-based online account information and provides it to the web server 1900 (2450), and the web server 1900 registers the value-based online account. The registered value-added online account information is further included in the D / B (2455), and the account registration information is transmitted to the customer terminal (2460).

25 is a diagram illustrating a value-based online account registration process according to the third embodiment of the present invention.

In more detail, FIG. 25 shows the web server 1900 through an information providing process for registering a value-based online account shown in FIG. 21 or 22 in a customer terminal on the value-based online account registration system shown in FIG. Information processing server on the value-based online account registration system shown in FIG. 19 by the web server 1900 by providing predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information. 1935, when the value-based online account application information, the chargeable account information and the value-type account interworking attribute information is relayed and transmitted, the information processing server 1935 based on the value-based online account application information at least one or more value type Register an online account, and based on the value-type account linkage attribute information and a chargeable account corresponding to the chargeable account information The process of registering the registered value-based online account in a predetermined storage medium. Specifically, the value-type online account application information corresponds to a plurality of voucher issuers (or voucher types or voucher groups). Information for registering predetermined value-type online ledger information that may have a plurality of vouchers and a plurality of discount coupons corresponding to a plurality of discount coupon issuing organizations (or discount coupon types, or discount coupon groups), When the chargeable account information includes predetermined chargeable real account information opened under the customer name, and the value-type account linkage attribute information includes one-to-many linkage attribute, It is a diagram showing an implementation method for registering a value-based online account linked to the ledger.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the value-based online account registration process by referring to or modifying this drawing 25, but the present invention provides all the implementation methods inferred above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

In the following figure 25, the information processing server 1935 on the value type online account registration system shown in Fig. 19 is referred to as " server " for convenience.

Referring to FIG. 25, a plurality of voucher issuing organizations (or voucher types, or voucher groups) corresponding to a plurality of voucher issuers are transmitted from the web server 1900 on the value-based online account registration system shown in FIG. 19 to the server through predetermined communication means. And information for registering predetermined value-type online ledger information that may include a plurality of vouchers, and a plurality of discount coupons corresponding to a plurality of discount coupon issuers (or types of discount coupons or discount coupon groups). The server transmits the value-based online account application information, the charge-type account information including the predetermined charge-type real account information opened in the customer name, and the value-type account linking attribute information including the one-to-many linking attribute. The value-based online account application information, the rechargeable account information and the value-based account connection from the web server 1900 through the communication means Receiving attribute information (2500), and reading at least one value type online account application information to correspond to the value type online account selection information and value type online account attribute information included in the value type online account application information. Check whether the online account can be registered (2505).

According to the implementation method of the present invention, confirming whether the value-based online account can be registered, if the predetermined value-type online account can be registered to the customer, if the value-based online account can be registered, the charge-type It is preferable to include a process of checking the validity of the account information.

If it is determined that the value-based online account cannot be registered (2510), the server generates predetermined account registration error information and provides it to the web server 1900 (2515), and the web server 1900 The account registration error information is transmitted to the customer terminal (2520).

On the other hand, if the verification result can register the value-based online account (2510), the server is a predetermined value corresponding to the value-based online account selection information and value-based online account attribute information included in the value-based online account application information A value type transmitted from the customer terminal by generating a type 25 online ledger information (2525) and storing the generated value-type online ledger information in the online ledger in association with the financial system (2530). Register a predetermined value type online account corresponding to the online account application information.

Thereafter, the server checks whether the chargeable account information and the value type account interworking attribute information have been received from the web server 1900, and if the chargeable account information and the value type account interworking attribute information are received (2540). And a value-based online account corresponding to the registered real account ledger information corresponding to the chargeable account information and the registered value-based online account according to the one-to-many value-valued account linkage attribute information in connection with the financial system. The ledger information is linked and stored in the ledger D / B (2545).

According to another embodiment of the present invention, the server corresponds to the chargeable real account ledger information corresponding to the chargeable account information according to the one-to-many value-type account linked attribute information and the registered predetermined value-type online account. The value-type online account ledger information may be stored in a predetermined storage medium in connection with the value-type online account ledger information, and thus the present invention is not limited thereto.

Thereafter, the server generates predetermined account registration information including the registered value-based online account information and provides it to the web server 1900 (2550), and the web server 1900 registers the value-based online account. The registered value-added online account information is further included in D / B (2555), and the account registration information is transmitted to the customer terminal (2560).

26 is a diagram illustrating a value-based online account registration process according to a fourth embodiment of the present invention.

More specifically, FIG. 26 shows the web server 1900 through an information providing process for registering a value-based online account shown in FIG. 21 or 22 in a customer terminal on the value-based online account registration system shown in FIG. Information processing server on the value-based online account registration system shown in FIG. 19 by the web server 1900 by providing predetermined value-type online account application information, chargeable account information, and value-type account interworking attribute information. 1935, when the value-based online account application information, the chargeable account information and the value-type account interworking attribute information is relayed and transmitted, the information processing server 1935 based on the value-based online account application information at least one or more value type Register an online account, and based on the value-type account linkage attribute information and a chargeable account corresponding to the chargeable account information The process of registering the registered value-based online account in a predetermined storage medium. Specifically, the value-type online account application information corresponds to a plurality of voucher issuers (or voucher types or voucher groups). Information for registering predetermined value-type online ledger information that may have a plurality of vouchers and a plurality of discount coupons corresponding to a plurality of discount coupon issuing organizations (or discount coupon types, or discount coupon groups), If the chargeable account information includes predetermined chargeable real account information opened under the customer name, and the value-type account linkage attribute information includes one-to-many linkage attribute, It is a diagram showing an implementation method for registering a value-based online account linked to the ledger.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the value-based online account registration process by referring to or modifying the drawing 26, but the present invention provides all the implementation methods inferred above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 26, the information processing server 1935 on the value type online account registration system shown in FIG. 19 is referred to as "server" for convenience.

Referring to FIG. 26, a plurality of voucher issuing organizations (or voucher types, or voucher groups) corresponding to a plurality of voucher issuers are transmitted from a web server 1900 on the value-based online account registration system shown in FIG. 19 to the server through predetermined communication means. And information for registering predetermined value-type online ledger information that may include a plurality of vouchers, and a plurality of discount coupons corresponding to a plurality of discount coupon issuers (or types of discount coupons or discount coupon groups). When the value-type online account application information, the chargeable account information including the predetermined charge-type real account information opened in the customer name, and the value-type account linking attribute information including the one-to-many linking attribute are transmitted. The value-based online account application information, the rechargeable account information, and the value-based account connection from the web server 1900 through the communication means at the server. Receiving attribute information (2600), and reading at least one value type online account application information and corresponding at least one value type corresponding to the value type online account selection information and value type online account attribute information included in the value type online account application information. Check whether the online account can be registered (2605).

According to the implementation method of the present invention, confirming whether the value-based online account can be registered, if the predetermined value-type online account can be registered to the customer, if the value-based online account can be registered, the charge-type It is preferable to include a process of checking the validity of the account information.

If it is determined that the value-based online account cannot be registered (2610), the server generates predetermined account registration error information and provides it to the web server 1900 (2615), and the web server 1900 The account registration error information is transmitted to the customer terminal (2620).

On the other hand, if the verification result can register the value-based online account (2610), the server is a predetermined value corresponding to the value-based online account selection information and value-based online account attribute information included in the value-based online account application information Generating a value-based online ledger information (2625) and storing the generated value-based online ledger information in the online account ledger in association with the financial system (2630), thereby transferring the value-based online account from the customer terminal. Register a predetermined value type online account corresponding to the application information.

Thereafter, the server checks whether the chargeable account information and the value type account interworking attribute information are received from the web server 1900, and if the chargeable account information and the value type account interworking attribute information are received (2640). And a value-based online account corresponding to the registered real account ledger information corresponding to the chargeable account information and the registered value-based online account according to the one-to-many value-valued account linkage attribute information in connection with the financial system. The ledger information is linked and stored in the ledger D / B (2645).

According to another embodiment of the present invention, the server corresponds to the chargeable real account ledger information corresponding to the chargeable account information according to the one-to-many value-type account linked attribute information and the registered predetermined value-type online account. The value-type online account ledger information may be stored in a predetermined storage medium in connection with the value-type online account ledger information, and thus the present invention is not limited thereto.

Thereafter, the server generates predetermined account registration information including the registered value-based online account information and provides it to the web server 1900 (2650), and the web server 1900 registers the value-based online account. The registered value type online account information is further included in D / B (2655), and the account registration information is transmitted to the customer terminal (2660).

Hereinafter, a chargeable online account (or a chargeable real account opened under the customer's name) registered through the chargeable online account registration system shown in FIG. 1 or 10 will be referred to as a "chargeable account" for convenience. At least one value online account (or an open valued real account opened in the customer's name) registered through the value online account registration system shown in FIG. 19 is referred to as a "value account" for convenience, and the recharged account and at least one The card linked to the value-type account described above is referred to as a "value-linked card" for convenience, and a method of issuing a value-linked card linked to the chargeable account and at least one value-type account will be described.

FIG. 27 is a diagram illustrating a card issuing system for issuing a value linked card linked to a rechargeable account and at least one value type account according to an embodiment of the present invention.

In more detail, Figure 27 provides a value linked card issuing application information for issuing a value linked card linked to a predetermined rechargeable account and at least one value type account to a financial institution through a predetermined card issuing interface. In this case, the financial institution is a system configuration for issuing a value-linked card in the form of a predetermined MS (Magnetic Stripe) card or IC (Integrated Circuit) card to the customer based on the provided value-linked card issuing application information, Persons of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 27 to provide a variety of card issuing system configurations for issuing a value linked card linked to the chargeable account and at least one value type account. It will be appreciated that the method of implementation may be inferred, but the present invention includes all such methods inferred. The present invention is not limited to the implementation method illustrated in FIG. 27.

For example, those skilled in the art to which the present invention pertains can refer to or modify this drawing 27 and use a wireless IC chip provided in the wireless terminal possessed by the customer to associate a value-linked card in the form of a predetermined IC chip applet. It is possible to infer an implementation method issued, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, if a person of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 27, the value-linked card issuance is the charge shown in the rechargeable online account registration system shown in Figure 1 or Figure 10 It can be inferred that the execution method issued in connection with the type online account registration, or the execution method in which the value-linked card issuance is issued in connection with the value type online account registration shown in the value type online account registration system shown in FIG. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for issuing a predetermined value linked card to the customer based on the value linked card issue application information provided from the customer through a predetermined card issue interface on the card issue system shown in FIG. 27 or The component corresponding to the functional configuration is called "card issuing server 2700" for convenience.

Referring to this figure 27 according to the embodiment of the present invention, a card issuing system for issuing a value linked card linked to the chargeable account and at least one value type account, at least one financial institution (or card issuing affiliated institution) And a staff terminal used by the card issuing staff provided at), or when the card issuing system supports a non-face-to-face card issuing application, at least a wired terminal or a wireless terminal used by the customer. Characterized in that it comprises one or more comprising a client terminal, the employee terminal or the client terminal is connected to the communication channel and the card issuing server 2700 provided on the financial institution through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the financial institution (or a card issuing affiliated institution) for issuing a value linked card linked to the rechargeable account and at least one value type account. Or a predetermined card issuing application for issuing a value-linked card linked to the rechargeable account and at least one value-added account through a window (or a card issuing staff) provided at a card issuing affiliate institution (eg, the A document with a form for filling out at least one information item for issuing a value linked card linked to a rechargeable account and at least one value account (or the card issuer visits the customer) A value-linked car that allows the customer to interact with the rechargeable account and at least one value account; A card issuance application for issuing a card), and when the completed card issuance application is submitted to a card issuing staff, the card issuing staff can use the information provided in the card issuance application through a predetermined staff terminal. Preferably, the employee terminal transmits the input (or selected) information to the card issuing server 2700 provided on the financial institution through the network means.

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the financial institution (or card issuing partner institution), the card issuing server 2700 connected to the employee terminal is the financial It is preferable to include a server provided on the institution (or card issuing affiliated organization), the network means for connecting the employee terminal and the card issuing server 2700 is the communication between the employee terminal and the card issuing server 2700 It is preferable to include a communication network connecting the channels.

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server (2700) is the customer said It performs a function of the card issuing interface for registering the value-linked card issuing application information for issuing a value-linked card interworking with the rechargeable account and at least one value-type account.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the customer is at least one of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. A value linked card connected to the card issuing server 2700 through at least one client terminal and linked with the rechargeable account and at least one value type account through at least one user interface provided by the card issuing server 2700. When the value-linked card issuance application information for issuing is input (or selected), it is preferable that the client terminal transmits the card to the card issuing server 2700 provided on the financial institution through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to a wireless communication network based on High Speed Downlink Packet Access (HSDPA), or IEEE 802.16x. A generic term for all terminal devices connected to a mobile Internet based on the Internet, or all terminal devices connected to a Motorola DataTAC method or an Erricson Mobitex method wireless data communication network, and a personal communication system (PCS) connected to the CDMA-based mobile communication network. Or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or telematics (Telematics) or HSDPA (High Speed Downlink Packet Access) based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 2700, and inputs or selects at least one or more information through the user interface to transmit the card issuance server 2700. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 2700) is provided.

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

In the card issuing system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the card issuing server 2700. The customer performs a function of a card issuing interface for registering the value linked card issuance application information for issuing a value linked card linked to the rechargeable account and at least one value type account.

According to another exemplary embodiment of the present invention, when the card issuing system supports a card issuing application in a non-face-to-face manner, the card issuing terminal 2750 is a predetermined financial network (in addition to the employee terminal or the client terminal). For example, it further comprises a financial automated machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD) connected to a financial common network, or a predetermined public telephone network. It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. It further comprises a predetermined call terminal (not shown), or provided in at least one or more institutions affiliated with the financial institution (or card issuing affiliated institution) It may further include a horse (or server) (not shown), whereby the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 2750 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 2700 is for the customer to register the value-linked card issuing application information for issuing a value-linked card linked to the chargeable account and at least one value-type account If the card issuing interface 2750 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the card issuing server 2700 Wired or wireless telephone network for connecting the customer to issue a value linked card linked to the rechargeable account and at least one value type account. The card issuing interface for registering the card issue application information, or the terminal (or server) provided in the institution that the card issuing terminal 2750 is affiliated with the financial institution (or card issuing affiliated organization) (Not shown), a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card issuing server 2700 may be provided by the customer. It performs a function of the card issuing interface for registering the value-linked card issuance application information for issuing a value-linked card linked to one or more value-type accounts.

After the storage medium 2745 provided on the financial institution according to the present invention issues a predetermined value linked card to the customer based on the value linked card issue application information provided from the card issuing terminal 2750, Characterized in that the value linked card operation information according to the value linked card issuance.

According to one embodiment of the invention, the storage medium 2745 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial institution, wherein the storage medium Reference numeral 2745 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include an online payment system, or a WAP-based wireless payment system, or an IC chip-based wireless payment system, or a telephony provided on (or associated with) the financial institution. It is possible to be provided in the DBMS on at least one payment system of the payment system, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial institution. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2745 interoperates with a server (or device) that performs a predetermined information processing function using the value linked card operation information on the financial institution. Preferably, the storage medium 2745 may be provided at various positions according to the intention of those skilled in the art, and the present invention is not limited thereto.

The card issuing server 2700 provided on the financial institution according to the present invention is a generic term for the financial institution side components connected with the card issuing terminal 2750 through a predetermined network means, and includes at least one server (or Device) or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the card issuing server 2700 is provided with an interface unit 2705 (or interface means) for providing a predetermined card issuing interface to the card issuing terminal 2750 via the network means. Characterized in that made.

According to an embodiment of the present invention, when the card issuing terminal 2750 is an employee terminal connected to a predetermined financial network, the interface unit 2705 may be connected to the employee terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a card issuance application program provided in the employee terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 2750 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2705 uses a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2705 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 2700, the interface unit 2705 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 2750 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2705 includes a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 2700, the interface unit 2705 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 27, the card issuing server 2700 is interlocked with the interface unit 2705 when a predetermined card issuing terminal 2750 is connected to the card issuing server 2700 through the interface unit 2705. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined value-linked card issuance application information from the card issuing terminal 2750 and providing it to the card issuing terminal 2750. Pre-defined value interlocking card issuance application information transmitted from the card issuing terminal 2750 through the user interface in connection with the study 2710 (or interface providing means) and the interface unit 2705. Issuing the value linked card to the customer based on the information receiving unit (2715) (or information receiving means) for receiving the received value linked card issuance application information; Generating predetermined card information corresponding to the value-linked card to be issued to the customer based on the validity authentication unit 2720 (or validity authentication means) for checking the validity with respect to the value-linked card issuance application information ( Or a card issuing unit 2735 (card issuing means) for issuing a predetermined value interlocking card including the card information via the information generating unit (or information generating means) and the predetermined card issuing device 2740. And an information storage unit 2730 (or account information registration means) for storing the value linked card operation information corresponding to the value linked card issued to the customer in the storage medium 2745.

The interface providing unit 2710 corresponds to a functional configuration provided in the card issuing terminal 2750 when a predetermined card issuing terminal 2750 is connected to the card issuing server 2700 through the interface unit 2705. Generate (or select) the value-linked card issuing application information and generate a predetermined user interface that can be transmitted to the card issuing server 2700 through the network means, or extract from a predetermined database (not shown). And provide the user interface generated (or extracted) in cooperation with the interface unit 2705 to the card issuing terminal 2750 through the network means.

Thereafter, the card issuing terminal 2750 inputs (or selects) the value-linked card issuing application information based on the user interface, and inputs the input (or selected) value-linked card issuing application information through the network means. The card issuing server 2700 is transmitted.

According to an embodiment of the present invention, when the card issuing terminal 2750 is an employee terminal connected to a predetermined financial network, the interface providing unit 2710 may provide a card issuing application program provided in the employee terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the employee terminal through the interface unit 2705.

According to another exemplary embodiment of the present invention, when the card issuing terminal 2750 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 2710 is a browser program provided in the client terminal. Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2705.

According to another exemplary embodiment of the present invention, when the card issuing terminal 2750 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2705.

The information receiving unit 2715 inputs (or selects) predetermined value-linked card issuing application information through the user interface from the card issuing terminal 2750 and transmits it through the network means. Characterized in that the interlocking card issuing application information, characterized in that for receiving, the value-linked card issuing application information provided to the validity authentication unit 2720 or the information generating unit.

According to the implementation method of the present invention, the value-linked card issuing application information comprises at least one or more of the customer information of the card issuing customer, predetermined charge-type account information, at least one or more value-type account information and card attribute information.

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 2700 It is preferable to include at least one member information (for example, member ID information) subscribed to.

In addition, the chargeable account information, the account information corresponding to the chargeable online account registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, or a chargeable real account opened under the customer's name. Preferably, the corresponding account information includes predetermined account information corresponding to the rechargeable account associated with the value linked card. The value linked card issuing process is performed by the rechargeable online account shown in FIG. When made in conjunction with a registration system, the chargeable account information may be omitted, whereby the present invention is not limited.

In addition, the at least one value account information, account information corresponding to the at least one value online account registered through the value-based online account registration system shown in Figure 19, or the opened value-type real account of the customer name It is preferable that the account information corresponding to at least one or more account information corresponding to at least one or more value linked account associated with the value linked card, the value linked card issuing process is the value type shown in Figure 19 When made in conjunction with an online account registration system, the value type account information may be omitted, thereby not limiting the present invention.

The card attribute information may include payment attribute information (eg, credit card payment attribute information, check card payment attribute information, debit card payment attribute information, etc.) corresponding to the value linked card, and value application attribute information (eg, payment). And at least one or more of a payment processing attribute after deducting a value corresponding to a voucher / discount coupon, or an attribute of deducting a value corresponding to the voucher / discount coupon after a prepayment processing.

The validity authentication unit 2720 may verify the validity of issuing the value linked card to the customer based on the customer information included in the received value linked card issuance application information.

According to an embodiment of the present invention, the validity check for issuing the value linked card to the customer is based on a customer's name and social security number included in the customer information. And verifying that the customer is registered as a customer of the financial institution in connection with a financial company server, and included in the customer information in connection with a predetermined real name verification server (not shown) according to the intention of a person skilled in the art. It is preferable to further comprise checking the real name of the customer based on the customer name and resident registration number.

In addition, the validity check for issuing the value linked card to the customer, the customer through the charging online account registration system shown in Figure 1 or 10 in conjunction with a predetermined financial company server provided in the financial institution It is preferable to include whether the user has already set up a predetermined online charging account or a predetermined charging real account is opened to the customer.

In addition, the validity check for issuing the value linked card to the customer, at least one to the customer through the value type online account registration system shown in Figure 19 in connection with a predetermined financial company server provided in the financial institution It is preferable to include checking whether the above-described value-based online account is already opened or at least one real account is open to the customer.

In addition, when the payment attribute information among the card attribute information included in the value-linked card issuance application information includes a credit card attribute, the validation of the issue of the value-linked card to the customer is based on the customer information. It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a predetermined communication means.

The information generator generates predetermined card information to be included in the value-linked card based on payment attribute information among customer information and card attribute information included in the value-linked card issuing application information received through the information receiver 2715. (Or extraction), wherein the card information includes a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and financial institution information (or code) corresponding to the value-linked card. It comprises at least one.

For example, the card number (although some exceptions exist) preferably includes a four-digit financial institution number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the value-linked card, it may be omitted if there is no valid period in the value-linked card, thereby limiting the present invention Not.

The financial institution information (or code) preferably comprises at least one unique number (or unique code) assigned to the financial institution that issues the value linked card to the customer.

When the predetermined card information included in the value interlocking card is generated by the information generating unit, the card issuing unit 2735 creates a value interlocking card including the card information through a predetermined card issuing device 2740. (Or having the card information in the value linked card), the value linked card is provided (or shipped) to the customer.

If the value interlocking card is an MS (Magnetic Stripe) card, the card issuing device 2740 stores the card information in at least one or more MS tracks (eg, track I, track II, and track III) included in the value interlocking card. And an information generating unit for generating (or extracting) card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 2735 is provided with the card issuing device ( By recording card information in at least one or more MS tracks via 2740, a predetermined value linked card to be issued to the customer is issued.

Alternatively, if the value linked card is an IC (Integrated Circuit) card, the card issuing device 2740 includes a device for recording the card information in a memory provided in the IC chip of the value linked card, wherein The information generating unit generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the card issuing unit 2735 may operate the card issuing device 2740. By recording the card information in the memory of the IC chip, a predetermined value linked card to be issued to the customer is issued.

The value association card produced as described above is provided to the customer or is delivered to the customer according to a predetermined card providing procedure, after which the customer uses the value association card through a financial institution according to the present invention. .

Thereafter, the information storage unit 2730 includes at least one of customer information included in the value-linked card issuing application information received from the customer through the information receiving unit 2715 and the generated card information and the rechargeable account information. Characteristic linked card operation information including at least one or more of the value-type account information and the value application attribute information is characterized in that it is stored in the storage medium (2745).

Here, the customer information included in the value linked card operation information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer At least one member information (for example, member ID information) subscribed to the card issuing server 2700 is preferably included.

The card information included in the value linked card operation information may include credit card information or check card information generated based on payment attribute information among customer information and card attribute information included in the value linked card issue application information. Or at least one debit card information.

In addition, the rechargeable account information included in the value-linked card operation information, the account information corresponding to the rechargeable online account registered through the rechargeable online account registration system shown in FIG. 1 or 10, or the customer It is preferable that the account information corresponding to the chargeable account opened in the name includes predetermined account information corresponding to the chargeable account linked to the value linked card. When the connection is made in conjunction with the online charging account registration system shown in FIG. 10, the charging account information may be omitted, and the present invention is not limited thereto.

In addition, the at least one value-based account information included in the value-linked card operation information, account information corresponding to at least one value-based online account registered through the value-based online account registration system shown in Figure 19, or It is preferable that the account information corresponding to the opened value type real account opened in the customer name includes at least one or more account information corresponding to at least one or more value type linked to the value linked card, this value linked card issuing process When the value type account information is made in connection with the value online account registration system shown in FIG. 19, the value type account information may be omitted, and thus the present invention is not limited thereto.

In addition, the value application attribute information included in the value-linked card operation information, the payment processing attribute after deducting the value corresponding to the voucher / discount coupon of the payment amount, when a predetermined payment through the value-linked card, Or at least one attribute of deducting a value corresponding to the voucher / discount coupon after prepayment.

28 is a diagram illustrating a process of issuing a value linked card linked to a rechargeable account and at least one value type account according to an embodiment of the present invention.

More specifically, FIG. 28 shows that a predetermined customer issues a card issuance application through a face-to-face card issuance interface (eg, the card issuance application, employee terminal and network means) in the card issuance system shown in FIG. 27. When the card issuance officer submits the card to the card issuing staff, the card issuing staff inputs (or selects) the value-linked card issuing application information corresponding to the card issuing application through a predetermined card issuing terminal 2750 and the card issuing server ( 2700, a value linked card for issuing a value linked card linked to the chargeable account and at least one value type account to the customer based on the value linked card issuing application information in the card issuing server 2700. As showing the process of issuing a person having ordinary skill in the art to which the present invention pertains, By referring to or modifying page 28, various implementation methods of issuing the value-linked card for issuing a value-linked card interworking with the rechargeable account and at least one value-based account may be inferred. It includes all implementation methods and is not limited to the implementation method shown in FIG.

For example, FIG. 28 illustrates that the value linked card is produced and provided (or shipped) to the customer, and then stored as the value linked card operating information in the storage medium 2745. Accordingly, the process of storing the predetermined value-linked card operation information in the storage medium 2745 may be performed before the value-linked card is produced or before the value-linked card is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 28, the card issuing terminal 2750 shown in FIG. 27 is called "terminal" for convenience, and the card issuing server 2700 is called "server" for convenience.

Referring to FIG. 28, a face-to-face card issuance interface (eg, the card issuance application form) is issued by the customer to receive the value-linked card for issuing a value-linked card linked to the rechargeable account and at least one value-based account. And a form for filling in at least one information item for issuing a value linked card linked to a predetermined card issuance application (eg, the rechargeable account and at least one value type account) through an employee terminal and a network means. After filling out the document) and submitting it to the card issuing staff, the terminal may input (or select) the value-linked card issuing application information corresponding to the card issuance application prepared by the customer through a predetermined user interface. (2800), through the network means to issue the value-linked card And it transmits the application information to the server 2805.

According to the implementation method of the present invention, the value-linked card issuing application information comprises the customer information of the card issuing customer, predetermined charge-type account information, at least one or more value-type account information and card attribute information .

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 2700 It is preferable to include at least one member information (for example, member ID information) subscribed to.

In addition, the chargeable account information, the account information corresponding to the chargeable online account registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, or a chargeable real account opened under the customer's name. Preferably, the corresponding account information includes predetermined account information corresponding to the rechargeable account associated with the value linked card. The value linked card issuing process is performed by the rechargeable online account shown in FIG. When made in conjunction with a registration system, the chargeable account information may be omitted, whereby the present invention is not limited.

In addition, the at least one value account information, account information corresponding to the at least one value online account registered through the value-based online account registration system shown in Figure 19, or the opened value-type real account of the customer name It is preferable that the account information corresponding to at least one or more account information corresponding to at least one or more value linked account associated with the value linked card, the value linked card issuing process is the value type shown in Figure 19 When made in conjunction with an online account registration system, the value type account information may be omitted, thereby not limiting the present invention.

The card attribute information may include payment attribute information (eg, credit card payment attribute information, check card payment attribute information, debit card payment attribute information, etc.) corresponding to the value linked card, and value application attribute information (eg, payment). And at least one or more of a payment processing attribute after deducting a value corresponding to a voucher / discount coupon, or an attribute of deducting a value corresponding to the voucher / discount coupon after a prepayment processing.

Thereafter, the server receives and reads the value-linked card issuing application information from the terminal through the network means, based on the customer information included in the value-linked card issuing information, to the customer and the at least one rechargeable account. The card issuance validity of issuing the value-linked card for issuing a value-linked card linked to the value-type account is verified (2810).

According to an embodiment of the present invention, the validity check for issuing the value linked card to the customer is based on a customer's name and social security number included in the customer information. And verifying that the customer is registered as a customer of the financial institution in connection with a financial company server, and included in the customer information in connection with a predetermined real name verification server (not shown) according to the intention of a person skilled in the art. It is preferable to further comprise checking the real name of the customer based on the customer name and resident registration number.

In addition, the validity check for issuing the value linked card to the customer, in connection with a predetermined financial company server provided in the financial institution through the charge-type online account registration system shown in FIG. It is preferable to include whether the user has already set up a predetermined online charging account or a predetermined charging real account is opened to the customer.

In addition, the validity check for issuing the value linked card to the customer, at least one to the customer through the value type online account registration system shown in Figure 19 in connection with a predetermined financial company server provided in the financial institution It is preferable to include checking whether the above-described value-based online account is already opened, or whether the customer has at least one real account.

In addition, when the payment attribute information among the card attribute information included in the value-linked card issuance application information includes a credit card attribute, the validation of the issue of the value-linked card to the customer is based on the customer information. It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a predetermined communication means.

If the validity of issuing the value-linked card to the customer is not authenticated through the value-linked card issuing application information (2815), the server provides the card issue error information to the customer through the card-issuing interface. 2820, stop issuing the value linked card to the customer.

On the other hand, if the validity of issuing the value-linked card to the customer through the value-linked card issuing application information is authenticated (2815), the server is a value-linked card to issue to the customer based on the value-linked card issuing application information Generates (or extracts) predetermined card information corresponding to the coded information (2825), and the card information includes a card number (for example, a 16-digit card number) and an expiration date information (some may be omitted) corresponding to the value-linked card; It includes at least one or more agency information (or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit financial institution number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the value-linked card, it may be omitted if there is no valid period in the value-linked card, thereby limiting the present invention Not.

The financial institution information (or code) preferably comprises at least one unique number (or unique code) assigned to the financial institution that issues the value linked card to the customer.

According to an embodiment of the present invention, if the value interlocking card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the value interlocking card is an IC card, the generated card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server produces a predetermined value linked card with the card information through a predetermined card issuing device 2740 and provides (or delivers) it to the customer (2830).

According to an exemplary embodiment of the present invention, if the value interlocking card is an MS card, the card issuing device 2740 may include at least one or more MS tracks (eg, track I, track II, and track III) included in the value interlocking card. It is preferable to include an apparatus for recording the card information.

According to another exemplary embodiment of the present invention, if the value interlocking card is an IC card, the card issuing device 2740 includes an apparatus for recording the card information in a memory provided in the IC chip of the value interlocking card. desirable.

Thereafter, the server applies the customer information included in the value-linked card issuing application information provided from the customer through the card issuing interface, the generated card information, the rechargeable account information, and at least one value type account information and value. Value-linked card operation information including at least one attribute information is stored in the storage medium 2745 (2835).

Here, the customer information included in the value linked card operation information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer At least one member information (for example, member ID information) subscribed to the card issuing server 2700 is preferably included.

The card information included in the value linked card operation information may include credit card information or check card information generated based on payment attribute information among customer information and card attribute information included in the value linked card issue application information. Or at least one debit card information.

In addition, the rechargeable account information included in the value-linked card operation information, the account information corresponding to the rechargeable online account registered through the rechargeable online account registration system shown in FIG. 1 or 10, or the customer It is preferable that the account information corresponding to the chargeable account opened in the name includes predetermined account information corresponding to the chargeable account linked to the value linked card. When the connection is made in conjunction with the online charging account registration system shown in FIG. 10, the charging account information may be omitted, and the present invention is not limited thereto.

In addition, the at least one value-based account information included in the value-linked card operation information, account information corresponding to at least one value-based online account registered through the value-based online account registration system shown in Figure 19, or It is preferable that the account information corresponding to the opened value type real account opened in the customer name includes at least one or more account information corresponding to at least one or more value type linked to the value linked card, this value linked card issuing process When the value type account information is made in connection with the value online account registration system shown in FIG. 19, the value type account information may be omitted, and thus the present invention is not limited thereto.

In addition, the value application attribute information included in the value-linked card operation information, the payment processing attribute after deducting the value corresponding to the voucher / discount coupon of the payment amount, when a predetermined payment through the value-linked card, Or at least one attribute of deducting a value corresponding to the voucher / discount coupon after prepayment.

According to one embodiment of the invention, the storage medium 2745 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial institution, wherein the storage medium Reference numeral 2745 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include an online payment system, a WAP-based wireless payment system, an IC chip-based wireless payment system, or a telephony system provided on (or associated with) the financial institution. It is possible to be provided in the DBMS on at least one payment system of the payment system, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial institution. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

29 is a diagram illustrating a process of issuing a value linked card linked to a rechargeable account and at least one value type account according to another embodiment of the present invention.

More specifically, in FIG. 29, in the card issuing system shown in FIG. 27, a predetermined customer is provided through a non-face-to-face card issuing interface (for example, a client terminal and a network means including at least one wired terminal or a wireless terminal). When the card issuing server 2700 is accessed and inputs (or selects) predetermined value interlocking card issuing application information, the card issuing server 2700 sends the request to the customer based on the value interlocking card issuing information. A process of issuing a value linked card for issuing a value linked card interworking with a chargeable account and at least one value type account, and a person having ordinary knowledge in the art to which the present invention pertains, FIG. Value linked card linked to the rechargeable account and at least one value account by reference or modification For the class would be able to infer a variety of exemplary ways to issue the value card interlocking, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 29.

For example, FIG. 29 illustrates that the value linked card is produced and provided (or shipped) to the customer, and then stored as the value linked card operating information in the storage medium 2745. Accordingly, the process of storing the predetermined value-linked card operation information in the storage medium 2745 may be performed before the value-linked card is produced or before the value-linked card is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 29, the card issuing terminal 2750 shown in FIG. 27 is called "terminal" for convenience, and the card issuing server 2700 is called "server" for convenience.

Referring to FIG. 29, the customer accesses the server through a predetermined terminal, connects a communication channel for card issuance application, and is linked with the rechargeable account and at least one value type account through the communication channel. Apply for issuance of the value-linked card for issuing a value-linked card (2900), and correspondingly, the server generates (or extracts) a user interface for issuing the value-linked card and provides it to the terminal through the communication channel. (2905)

Thereafter, the terminal receives (or selects) the value interlocking card issuing application information through the user interface and transmits the input (or selecting) the value interlocking card issuing application information to the server through the communication channel ( 2910).

According to the implementation method of the present invention, the value-linked card issuing application information comprises the customer information of the card issuing customer, predetermined charge-type account information, at least one or more value-type account information and card attribute information .

Here, the customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer to the card issuing server 2700 It is preferable to include at least one member information (for example, member ID information) subscribed to.

In addition, the chargeable account information, the account information corresponding to the chargeable online account registered through the chargeable online account registration system shown in FIG. 1 or FIG. 10, or a chargeable real account opened under the customer's name. Preferably, the corresponding account information includes predetermined account information corresponding to the rechargeable account associated with the value linked card. The value linked card issuing process is performed by the rechargeable online account shown in FIG. When made in conjunction with a registration system, the chargeable account information may be omitted, whereby the present invention is not limited.

In addition, the at least one value account information, account information corresponding to the at least one value online account registered through the value-based online account registration system shown in Figure 19, or the opened value-type real account of the customer name It is preferable that the account information corresponding to at least one or more account information corresponding to at least one or more value linked account associated with the value linked card, the value linked card issuing process is the value type shown in Figure 19 When made in conjunction with an online account registration system, the value type account information may be omitted, thereby not limiting the present invention.

The card attribute information may include payment attribute information (eg, credit card payment attribute information, check card payment attribute information, debit card payment attribute information, etc.) corresponding to the value linked card, and value application attribute information (eg, payment). And at least one or more of a payment processing attribute after deducting a value corresponding to a voucher / discount coupon, or an attribute of deducting a value corresponding to the voucher / discount coupon after a prepayment processing.

Thereafter, the server receives and reads the value-linked card issuing application information from the terminal through the network means, based on the customer information included in the value-linked card issuing information, to the customer and the at least one rechargeable account. The card issuance validity of issuing the value-linked card for issuing a value-linked card linked to the value-type account is verified (2915).

According to an embodiment of the present invention, the validity check for issuing the value linked card to the customer is based on a customer's name and social security number included in the customer information. And verifying that the customer is registered as a customer of the financial institution in connection with a financial company server, and included in the customer information in connection with a predetermined real name verification server (not shown) according to the intention of a person skilled in the art. It is preferable to further comprise checking the real name of the customer based on the customer name and resident registration number.

In addition, the validity check for issuing the value linked card to the customer, in connection with a predetermined financial company server provided in the financial institution through the charge-type online account registration system shown in FIG. It is preferable to include whether the user has already set up a predetermined online charging account or a predetermined charging real account is opened to the customer.

In addition, the validity check for issuing the value linked card to the customer, at least one to the customer through the value type online account registration system shown in Figure 19 in connection with a predetermined financial company server provided in the financial institution It is preferable to include checking whether the above-described value-based online account is already opened or at least one real account is open to the customer.

In addition, when the payment attribute information among the card attribute information included in the value-linked card issuance application information includes a credit card attribute, the validation of the issue of the value-linked card to the customer is based on the customer information. It is preferable to include the check the credit information of the customer in connection with a predetermined credit rating server through a predetermined communication means.

If the validity of issuing the value-linked card to the customer through the value-linked card issuing application information is not authenticated (2920), the server provides the card issue error information to the customer through the card-issuing interface. 2925, stop issuing the value linked card to the customer.

On the other hand, if the validity of issuing the value-linked card to the customer through the value-linked card issuing application information is authenticated (2920), the server is a value-linked card to issue to the customer based on the value-linked card issuing application information Generate (or extract) 2930 predetermined card information corresponding to the card information, and the card information includes a card number (eg, 16-digit card number) and an expiration date information (some may be omitted) corresponding to the value-linked card; It includes at least one or more agency information (or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit financial institution number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information is preferably made to include the period (or expiration date and time) that can be used for the value-linked card, it may be omitted if there is no valid period in the value-linked card, thereby limiting the present invention Not.

The financial institution information (or code) preferably comprises at least one unique number (or unique code) assigned to the financial institution that issues the value linked card to the customer.

According to an embodiment of the present invention, if the value interlocking card is an MS card, the generated card information preferably includes a data structure that can be recorded in at least one or more MS tracks provided in the MS card.

According to another exemplary embodiment of the present invention, if the value interlocking card is an IC card, the generated card information may include a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server prepares a predetermined value linked card with the card information through a predetermined card issuing device 2740 and provides (or delivers) the card to the customer (2935).

According to an exemplary embodiment of the present invention, if the value interlocking card is an MS card, the card issuing device 2740 may include at least one or more MS tracks (eg, track I, track II, and track III) included in the value interlocking card. It is preferable to include an apparatus for recording the card information.

According to another exemplary embodiment of the present invention, if the value interlocking card is an IC card, the card issuing device 2740 includes an apparatus for recording the card information in a memory provided in the IC chip of the value interlocking card. desirable.

Thereafter, the server applies the customer information included in the value-linked card issuing application information provided from the customer through the card issuing interface, the generated card information, the rechargeable account information, and at least one value type account information and value. Value-linked card operation information including at least one attribute information is stored in the storage medium 2745 (2940).

Here, the customer information included in the value linked card operation information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the card issuing customer, and the customer At least one member information (for example, member ID information) subscribed to the card issuing server 2700 is preferably included.

The card information included in the value linked card operation information may include credit card information or check card information generated based on payment attribute information among customer information and card attribute information included in the value linked card issue application information. Or at least one debit card information.

In addition, the rechargeable account information included in the value-linked card operation information, the account information corresponding to the rechargeable online account registered through the rechargeable online account registration system shown in FIG. 1 or 10, or the customer It is preferable that the account information corresponding to the chargeable account opened in the name includes predetermined account information corresponding to the chargeable account linked to the value linked card. When the connection is made in conjunction with the online charging account registration system shown in FIG. 10, the charging account information may be omitted, and the present invention is not limited thereto.

In addition, the at least one value-based account information included in the value-linked card operation information, account information corresponding to at least one value-based online account registered through the value-based online account registration system shown in Figure 19, or It is preferable that the account information corresponding to the opened value type real account opened in the customer name includes at least one or more account information corresponding to at least one or more value type linked to the value linked card, this value linked card issuing process When the value type account information is made in connection with the value online account registration system shown in FIG. 19, the value type account information may be omitted, and thus the present invention is not limited thereto.

In addition, the value application attribute information included in the value-linked card operation information, the payment processing attribute after deducting the value corresponding to the voucher / discount coupon of the payment amount, when a predetermined payment through the value-linked card, Or at least one attribute of deducting a value corresponding to the voucher / discount coupon after prepayment.

According to one embodiment of the invention, the storage medium 2745 is preferably provided in a DBMS on a predetermined financial system provided on (or associated with) the financial institution, wherein the storage medium Reference numeral 2745 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include an online payment system, a WAP-based wireless payment system, an IC chip-based wireless payment system, or a telephony system provided on (or associated with) the financial institution. It is possible to be provided in the DBMS on at least one payment system of the payment system, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2745 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the financial institution. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

30 is a diagram illustrating a functional configuration of an affiliated store terminal 3000 for payment processing using a value linked card 3077 according to an embodiment of the present invention.

More specifically, Figure 30 is an embodiment of the method of the merchant terminal 3000 for payment processing using the value linked card 3077, if one of ordinary skill in the art to which the present invention belongs, this figure By referring to or modifying 30, various merchant terminal 3000 functional configurations for payment processing using the value interlocking card 3077 may be inferred, but the technical features of the present invention are not limited to this drawing 30. It is to be understood that the inference includes all implementation methods.

Referring to FIG. 30, the merchant terminal 3000 for payment processing using the value-linked card 3077 basically includes a controller 3005, a memory unit 3050, a card reader unit 3010, and a key input unit 3020. And a screen output unit 3015, a communication processor 3030, a security application module 3035, a print output unit 3040, and a power supply unit 3025 for supplying power to the affiliated store terminal 3000. It comprises at least one terminal function (not shown) or the like according to the intention of the skilled person.

The controller 3005 controls the overall operation of the affiliated store terminal 3000 in function configuration, manages the flow of information or data between each component, and is provided in the affiliated store terminal 3000 for a value application payment processing function. And interworking and controlling at least one component, at least one processor and execution memory (e.g., a register or a RAM) including a central processing unit (CPU) / microprocessor unit (MPU) in hardware. Random Access Memory)) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium to the execution memory in order to perform a function unique to the affiliated store terminal 3000 by software. Contains program routines or program data that are loaded and computed by the processor. (As a result, a predetermined program recorded in a recording medium provided in the affiliated store terminal 3000 or a functional configuration provided in the affiliated store terminal 3000 can be processed in software for a value application payment processing function. Element shown in the present control unit 3005).

According to an exemplary embodiment of the present invention, the controller 3005 may include components (for example, the memory unit 3050, the card reader unit 3010, the key input unit 3020, and a screen output) of the affiliated store terminal 3000. The unit 3015, the communication processing unit 3030, the security application module 3035, the print output unit 3040, or a terminal function unit (not shown) according to the intention of a person skilled in the art, interoperate with each other, to the merchant terminal 3000. Controlling and managing providing a defined electronic payment service, as well as interworking control of the components provided in the affiliated store terminal 3000 for payment processing using the value linked card 3077 according to the present invention; Or, it is preferable to execute a program recorded in the recording medium provided in the affiliated store terminal 3000 for payment processing using the value linked card (3077).

The memory unit 3050 may input or output information when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the affiliated store terminal 3000 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required by the controller 3005 to perform a predetermined control function. It is done.

According to an embodiment of the present invention, the memory unit 3050 may include card information (or BIN information) issued through the card issuing system shown in FIG. 27 and at least one or more value information (eg, matching with the card information). Voucher information and coupon information).

Here, the card information may be periodically updated and stored in the memory unit 3050 after at least one value interlocking card 3077 is issued through the card issuing system shown in FIG. 27.

In addition, the value information stored matched with the card information is a voucher value provided to a customer who has been issued the value linked card (3077) from a predetermined national institution (or local government), or at least one discount coupon issuer Preferably, the value link card 3077 includes at least one discount coupon value provided to a customer who has been issued, wherein the value of the voucher is at least one of managing at least one or more voucher values provided to the customer. It is preferable that the predetermined value providing server 3080 including the voucher server 3085 is periodically updated and stored in the memory unit 3050, wherein the discount coupon value of the value information is provided to the customer at least. At least one coupon server that manages one or more discount coupon values (3 It is preferable that the predetermined value providing server 3080 including 090 is periodically updated and stored in the memory unit 3050.

According to an embodiment of the present invention, it is preferable that the value information stored in the memory unit 3050 selectively stores a voucher value (or a discount coupon value) that can be used at the affiliated store.

The customer receiving payment processing using the value interlocking card 3077 according to the present invention through the affiliated store terminal 3000 is based on an ISO / IEC 7810 standard, an MS (Magnetic Stripe) card, or an ISO / IEC 7816 standard. Possessing (or owning) a value interlocking card 3077 including at least one contact IC card (or wireless IC chip) or a contactless IC card (or wireless IC chip) based on ISO / IEC 14443 The card reader unit 3010 may provide an interface for reading at least one or more information or data included in the value interlocking card 3077.

According to the exemplary embodiment of the present invention, the card reader unit 3010 may provide an MS reader unit that provides an interface between the MS card and the affiliated store terminal 3000, or an interface between the contact IC card and the affiliated store terminal 3000. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the merchant terminal 3000.

The MS reader unit is a card reader unit 3010 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one or more tracks (Track) provided in the MS of the MS card to the affiliated store terminal (3000).

The contact IC reader unit is a card reader unit 3010 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the merchant terminal 3000.

The contactless IC reader unit is a card reader unit 3010 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card using capacitive coupling or inductive coupling. It comprises an antenna, the power supply to the IC chip of the IC card through the antenna, through the half-duplex (Half Duplex) type transaction using the APDU, the predetermined information or data from the IC chip merchant terminal ( 3000).

According to the exemplary embodiment of the present invention, the card reader unit 3010 is provided with predetermined card information (eg, in the card) from at least one or more card reader units 3010 for the electronic payment service defined in the affiliated store terminal 3000. Payment means information corresponding to a payment means including at least one credit card, check card, or debit card), and at least for payment processing using the value interlocking card 3077 according to the present invention. It is desirable to read predetermined card information from one or more value-linked cards 3077.

According to an embodiment of the present invention, the card information may include a card number (eg, 16-digit card number), an expiration date information (some may be omitted), and financial institution information (or code) corresponding to the value-linked card 3077. It comprises at least one.

For example, the card number (although some exceptions exist) preferably includes a four-digit financial institution number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information may include a period (or an expiration date and time) in which the value interlocking card 3077 may be used, and may be omitted when there is no expiration date in the value interlocking card 3077. Thereby, this invention is not limited.

The financial institution information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to financial institutions that issue the value-linked card 3077 to the customer.

The key input unit 3020 includes a predetermined key input device including at least one key button including at least one number key, a character key, or a function key. Detects information (or a signal) inputted from the terminal, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or an operation mode of the affiliated store terminal 3000 controlled by the controller 3005. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 3005. The controller 3005 A predetermined function defined in accordance with the key event or obtaining predetermined key data corresponding to the key event in the current input mode or operation mode of the affiliated store terminal 3000. Characterized by obtaining a command to execute. The key input unit 3020 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the affiliated store terminal 3000.

The key input device interworking with the key input unit 3020 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an exemplary embodiment of the present invention, the key input unit 3020 may include key data (eg, a payment amount) corresponding to the electronic payment service from at least one key input device for the electronic payment service defined in the affiliated store terminal 3000. It is preferable to perform the function of the key input means for receiving the input), and also payment using the value linked card 3077 from the key input device for payment processing using the value linked card 3077 according to the present invention. It is preferable to perform the function of the key input means for receiving at least one or more key data required in the payment process providing process.

The screen output unit 3015 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 3005 in the process of the merchant terminal 3000 performing a predetermined function (for example, an electronic payment processing function). At least one information or data which is predefined or is defined in real time to be output to a predetermined screen output device including a) through a predefined interface screen, wherein the screen output unit 3015 and the screen are output. Output devices interoperate with each other to perform the function of screen output means provided in the affiliated store terminal 3000.

The information or data predefined to be output from the affiliated store terminal 3000 to the screen output device may be input by the key data input through the key input unit 3020 or components included in the affiliated store terminal 3000. At least one or more information (or data) stored or generated, information (or data) transmitted / received through the communication processor 3030, or (or data) corresponding to a predetermined calculation result performed by the affiliated store terminal 3000. It is made to include.

According to a preferred embodiment of the present invention, the screen output unit 3015 is a screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the merchant terminal 3000 It is preferable to perform a function of an output means, and also corresponding to the step of providing a payment processing using the value linked card 3077 to the screen output device for the payment processing using the value linked card 3077 according to the present invention. It is preferable to perform the function of the screen output means for outputting the processing screen.

The communication processing unit 3030 may include at least one or more value providing servers through a communication network (eg, a value added network (VAN)) in the process of the affiliated store terminal 3000 performing a predetermined function (for example, an electronic payment processing function). 3080 (or payment processing server 3095) and a network communication unit for connecting a communication channel, characterized in that the communication session with a predetermined terminal (or device) through a predetermined cable communication port according to the intention of the skilled person And a short range wireless communication unit for connecting a predetermined short distance communication terminal (or device) device and a predetermined communication session through at least one short range wireless communication unit for connecting a communication unit, or software. It includes a communication protocol or driver for connecting a channel (or communication session).

The network communication unit includes a predetermined wired network or a mobile communication network or wireless data including a value added network (VAN) or a financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network /.../ satellite communication). The communication channel is connected to the value providing server 3080 (or the payment processing server 3095) on the wired / wireless network through a predetermined wireless network including a communication network. It comprises a modem (Modem) or a Network Interface Card (NIC) for connecting to the wired and wireless network of the, and includes a communication protocol or driver for connecting the merchant terminal 3000 to the wired and wireless network by software Is done.

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

Here, the terminal (or device) to which the cable communication session is connected through the cable communication unit preferably includes a predetermined point of sales (POS) terminal.

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

Here, the terminal (or device) to which the short-range communication session is connected through the short-range communication unit preferably includes a customer wireless terminal that mounts or detaches a predetermined wireless IC chip.

The security application module (3035) (Secure Application Module (SAM)) is the confidentiality (Authentication) or authentication required in the process of the merchant terminal 3000 performs the electronic payment or electronic payment using the value linked card (3077) ( For performing security requirements including authentication or integrity or nonrepudiation, etc. in a secure and reliable structure within the merchant terminal 3000 without using an authentication server (not shown) on the communication network. As a safety device, the merchant terminal 3000 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, an electronic payment or electronic payment function), and the message Adds an authenticator to prevent forgery (or tampering), or stores important information in the process of performing the security request function It is characterized in that it performs a function.

In general, the security application module 3035 preferably comprises a predetermined security application module 3035 inserter and a security application module 3035 chip, the security application module 3035 chip is a chip containing at least 8-bit CPU Examples include an application specific integrated circuit (ASIC) chip (for example, a PLCC 44-pin chip) or an IC chip (for example, an IC card in the form of a subscriber identity module (SIM)) having a performance of 2 MIPS (Million Instructions Per Second) or higher. It is preferable to make it.

The security application module 3035 may include at least one or more security application data (eg, at least one or more identifiers, versions, expiration dates, issue dates, code values, etc.) required for the merchant terminal 3000 to perform a predetermined security request function. ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove) Command) is preferably provided.

The print output unit 3040 may include predetermined information or data (eg, payment processing result information or data) generated as a result of, or as a result of, the merchant terminal 3000 performing a predetermined function (for example, an electronic payment processing function). A print protocol for outputting the print information or data through the print device 3045 in accordance with a predefined print form. This includes the driver.

Referring to FIG. 30, the affiliated store terminal 3000 may provide at least one value providing server 3080 in association with the communication processing unit 3030 to provide payment processing using the value interlocking card 3077 according to the present invention. Periodically receiving at least one or more value information corresponding to the card information stored in the memory unit 3050, and updating and storing the received value information in the memory unit 3050 in association with the card information. It is characterized by comprising a processing unit 3050.

Referring to FIG. 30, the merchant terminal 3000 provides at least one value linked card 3077 through the card reader unit 3010 to provide payment processing using the value linked card 3077 according to the present invention. Read and input predetermined card information for payment processing using the value interlocking card 3077, or input the value interlocking card 3077 from a predetermined key input means through the key input unit 3020. An information input unit 3055 for inputting a payment amount for the used payment settlement process (or inputting the payment amount from at least one terminal (or device) through the cable communication unit or the short range wireless communication unit), and the card reader unit 3010 When predetermined card information is read from the value interlocking card 3077 through, at least one or more values associated with the card information from the memory unit 3050. Extract information, output the at least one extracted value information in connection with the screen output unit 3015 to the screen output means, and apply to the payment amount of the value information in connection with the key input unit 3020 An information processing unit 3060 for inputting at least one value selection information to be deducted, a value corresponding to the value selection information is subtracted from the payment amount, and the payment amount and the payment amount deducted from the card information and at least one value A full text generation unit 3065 for generating a payment approval request text including at least one value application information and merchant information corresponding to at least one value subtracted from the communication processor 3030; Through the specialized transmission unit 3070 and the communication processing unit 3030 to transmit to the payment processing server 3095 on the communication network through Receives the payment approval result text including the payment processing history corresponding to the payment approval request full text from the payment processing server 3095 on the communication network, and displays the payment processing details included in the payment approval result full text on the screen output unit 3015. It is characterized in that the screen is output through, or provided with a specialized processing unit 3075 to print out through the print output unit (3040).

The information input unit 3055 processes the payment using the value linked card 3077 from the value linked card 3077 through the card reader 3010 for payment processing using the value linked card 3077. Characterized by reading the predetermined card information for input.

In addition, the information input unit 3055 performs a payment processing using the value linked card 3077 from a predetermined key input means through the key input unit 3020 for the payment settlement process using the value linked card 3077. Characterized in that the input for the payment amount.

In addition, the information input unit 3055 may include at least one terminal (or device) (eg, a barcode reader, or an RFID reader) through the cable communication unit or the short range wireless communication unit for payment processing using the value interlocking card 3077. Etc.) to extract and input a payment amount for payment processing using the value-linked card 3077.

When predetermined card information is read from the value interlocking card 3077 through the card reader unit 3010, the information processing unit 3060 stores at least one or more values associated with the card information from the memory unit 3050. Extract information and output the at least one extracted value information to the screen output means in association with the screen output unit 3015.

According to an embodiment of the present invention, the information processing unit 3060 may select at least one or more values (eg, a voucher value and a discount coupon value) to be applied to the payment amount among at least one or more value information output to the screen output means. It is desirable to include a user interface that can be output.

When the extracted at least one value information is output to the screen output means, the information processing unit 3060 links at least one value selection information to be applied to the payment amount of the value information in connection with the key input unit 3020. Characterized in the input.

The full text generation unit 3065 subtracts at least one or more values corresponding to the value selection information from the payment amount input through the information input unit 3055, thereby applying at least one or more values corresponding to the value selection information. Characterized by calculating the amount, characterized in that for generating value application information including at least one or more value information subtracted from the payment amount corresponding to the value selection information.

Thereafter, the full text generation unit 3065 applies the card information input through the information input unit 3055, a payment amount having at least one or more values subtracted, and a value corresponding to at least one or more values subtracted from the payment amount. And generating a payment approval request text including at least one information and the affiliated store information.

The specialized transmission unit 3070 transmits the payment approval request message generated by the specialty generation unit 3065 to the payment processing server 3095 on the communication network through the communication processing unit 3030. In response, the payment processing server 3095 performs a predetermined payment processing procedure for payment processing using the value interlocking card 3077 through the payment approval request message, and then the payment approval corresponding to the payment processing result. A payment processing history corresponding to any one of the details or payment error details is generated, and a predetermined payment approval result message including the payment processing details is generated and transmitted to the affiliated store terminal 3000 through the communication network.

After the payment approval request message is transmitted to the payment processing server 3095 through the professional transmission unit 3070, the professional processing unit 3075 transmits the payment processing server 3095 on the communication network through the communication processing unit 3030. Check periodically whether the payment approval result message including the payment processing details corresponding to the payment approval request message is received (or in response to the message receiving event of the communication processor 3030).

If the payment approval result text including the payment processing details corresponding to the payment approval request text is received through the communication processor 3030, the text processing part 3075 may include the payment processing details included in the payment approval result text ( For example, the payment approval details or payment error details) may be output through the screen output unit 3015 or printed through the print output unit 3040. 3077), the electronic payment procedure for payment processing is completed.

FIG. 31 is a view illustrating an operation process of an affiliated store terminal 3000 for payment processing using a value linked card 3077 according to an embodiment of the present invention.

In more detail, FIG. 31 shows the memory unit 3050 when a payment is made using the value-linked card 3077 issued through the card issuing system shown in FIG. 27 in the merchant terminal 3000 shown in FIG. Regarding an operation process of the affiliated store terminal 3000 requesting payment processing by applying at least one value to a predetermined payment amount based on at least one or more value information stored in the present invention, general knowledge in the technical field to which the present invention belongs. If you have, it will be able to infer various implementation methods for the operation process of the merchant terminal 3000 for payment processing using the value-linked card (3077) by referring to or modified in this drawing 31, the present invention is It is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 31, the affiliated store terminal 3000 reads predetermined card information from a value interlocking card 3077 issued through the card issuing system shown in FIG. 27 through a predetermined card reader, and predetermined keys. The predetermined payment amount is input through the input means (or cable communication or short-range wireless communication) (3100).

According to an embodiment of the present invention, the order and method of reading predetermined card information and inputting a payment amount in the affiliated store terminal 3000 may be variously modified according to the intention of those skilled in the art. It is characterized by including all the implementation methods.

If the card information is read from the value-linked card 3077 and a predetermined payment amount is input (3105), the affiliated store terminal 3000 is at least one or more associated with the card information from the memory unit 3050. Extract value information (3110), output the extracted value information to the screen output means, and confirm whether predetermined value selection information corresponding to at least one or more value information is input through the key input means (3115). .

According to an exemplary embodiment of the present invention, the affiliated store terminal 3000 may include at least one or more values (for example, a voucher value and a discount coupon value) to be applied to the payment amount among at least one or more value information output through the screen output unit. It is desirable to include a user interface to select from.

If predetermined value selection information corresponding to at least one or more pieces of value information is input through the key input means (3120), the affiliated store terminal 3000 identifies at least one or more applicable value values corresponding to the value selection information. 3125, by subtracting at least one or more values corresponding to the value selection information from the input payment amount, calculating a payment amount to which at least one value corresponding to the value selection information is applied and corresponding to the value selection information. In operation 3130, the value application information including at least one or more value information subtracted from the payment amount is generated.

Thereafter, the affiliated store terminal 3000 may include the input card information, a payment amount of at least one value corresponding to the value selection information, and value application information corresponding to at least one value subtracted from the payment amount. Generate a payment approval request message including at least one affiliate store information (3135), and transmit the payment approval request message to a payment processing server 3095 corresponding to the value interlocking card 3077 through a predetermined communication network. After the transmission, the payment processing server 3095 checks whether a predetermined payment approval result text corresponding to the payment approval request text is received (3140).

If the payment approval result message is received from the payment processing server 3095 through the communication network (3145), the affiliated store terminal 3000 outputs a screen or prints out the details of payment processing included in the payment approval result message. (3150).

32 is a diagram showing the configuration of the card payment system through the value linked card 3255 according to an embodiment of the present invention.

In more detail, FIG. 32 shows a payment process through the affiliate store terminal 3260 shown in FIG. 30 using a value linked card 3255 including credit card attributes issued through the card issuing system shown in FIG. As a card payment system for payment processing by applying a predetermined value of the voucher and at least one discount coupon value provided in the value-type account at a predetermined payment amount, the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer various implementation methods for the card payment system configuration through the value-linked card (3255) by referring to or modified in this figure 32, the present invention comprises all the implementation methods inferred The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 32, a card payment system through the value link card 3255 includes a value link card 3255 issued through the card issuing system shown in FIG. 27 and a merchant terminal provided in a predetermined offline merchant. 3260, and the card company server 3200 to process the payment approval for the value linked card 3255 in association with the merchant terminal 3260.

Although the card company server 3200 on the card payment system through the value-linked card 3255 is shown as one server in FIG. 32, this is only one implementation method for effectively explaining the technical features of the present invention. The server 3200 may be implemented as a plurality of servers (or devices) for each functional configuration, and the present invention is not limited thereto.

The value linked card 3255 issued through the card issuing system shown in FIG. 27 includes card information corresponding to credit card attributes. The card information includes the value linked card 3255. A predetermined BIN (Bank) that can be identified as being associated with a value account that includes at least one value online account (or a value real account in the customer's name) registered through the value online account registration system shown in FIG. Identification Number) characterized in that it comprises the information.

The merchant terminal 3260 on the card payment system may include at least one or more credit authorization terminal (CAT) or at least one point of sales (POS) terminal having a payment function, and includes at least one card reader. Reading predetermined card information from the value-linked card 3255, inputting a payment amount and the like through a predetermined key input device, subtracting at least one or more values from the payment amount, and deducting the value Generate a payment approval request message including value application information, card information, and merchant information corresponding to an amount deducted from the payment amount and the payment amount, and transmit to the card company server 3200 through the communication network; The card company server 3200 performs a predetermined payment approval procedure corresponding to the full payment approval request, and then the payment approval result. By creating a payment approval results are transmitted to a professional comprising the merchant terminal (3260).

In addition, the communication network on the card payment system comprises at least one wired or wireless communication network for transmitting and receiving at least one or more payment related messages between the merchant terminal 3260 and the card company server 3200 based on at least one or more backbone network. It features.

In addition, the card company server 3200 on the card payment system is characterized in that it comprises at least one server provided in the card company to process the payment approval for the value linked card (3255).

According to an exemplary embodiment of the present invention, the card company server 3200 may apply the voucher value and at least one discount coupon value provided in the value-type account to a predetermined payment amount in order to process the payment by applying the merchant terminal ( 3260) after receiving the payment approval request text including the card information, the merchant information, and a predetermined amount of the voucher value and at least one discount coupon value is applied, the payment authorization request through the value interlocking card 3255 Characterized in that the payment approval processing of the payment amount contained in the full text.

Those skilled in the art to which the present invention pertains, the technical features of the merchant terminal 3260 and the technical features of the conventional card company server 3200, not shown in Figure 32 and the technical features for the communication network Since it will be understood, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the card company server 3200 is the customer information issuing the value linked card (3255) through the card issuing system shown in Figure 27, and the value linked card issued to the customer ( A predetermined card information D / B 3245 for interworking and storing the card information corresponding to 3255 and the card attribute information and the card limit information corresponding to the value-linked card 3255, or the card information. It is preferable to interwork with a predetermined DBMS operating the D / B 3245 or to a DB server (not shown) provided with the card information D / B 3245.

The customer information may include personal information (eg, customer name, social security number, address, wireless terminal information (or mobile phone number), mail, etc. of a customer who has issued the value link card 3255 through the card issuing system shown in FIG. 27). Address) and at least one member information (for example, member ID information) of the customer.

The card information may include a predetermined card number corresponding to the value linked card 3255 issued to the customer through the card issuing system shown in FIG. 27, and the card issuing institution information (eg, The card issuer number (or code) and card type information (for example, card identification number (or code)) and expiration date information (some may be omitted) for the value-linked card 3255 may be further included.

According to an embodiment of the present invention, the card information is preferably matched with predetermined payment means information corresponding to the value linked card 3255, and the payment means preferably comprises a credit card payment means.

The card attribute information may include information about a payment attribute (eg, postpaid or the like) for the value-linked card 3255 issued to the customer through the card issuing system shown in FIG. 27, and the value-linked card 3255. It is preferable to include a royalty attribute including a mileage accrual policy and at least one or more additional service attributes associated with the value-linked card 3255.

The card limit information may be used for approval of payment for a payment amount using the value linked card 3255 according to a payment means characteristic corresponding to the value linked card 3255 or a payment attribute of the value linked card 3255. It is preferable to include information for confirming the limit amount.

According to an embodiment of the present invention, when the payment means corresponding to the value linked card 3255 includes a credit card payment means (or postpaid payment attribute), the card limit information is stored in the value linked card 3255. It is preferable to include predetermined credit limit amount information for the.

Referring to FIG. 32, the card company server 3200 may include an interface unit 3210 which connects and manages a communication channel for transmitting and receiving payment-related professional communication with at least one merchant terminal 3260 through at least one or more communication networks. A professional receiving unit 3215 for receiving a payment approval request message including at least one of card information, payment amount, value application information, and merchant information from the affiliated store terminal 3260 in association with the interface unit 3210, and the interface unit; And a professional transmission unit 3220 which transmits a payment approval result text corresponding to the payment approval request text to the affiliated store terminal 3260 in connection with 3210, and included in the payment approval request text. A settlement that processes the amount corresponding to the value deducted from the settlement amount in connection with the financial system based on the applied value application information. An acid treatment unit 3205 is further provided.

The merchant terminal 3260 generates a payment approval request text including at least one voucher value and a discount coupon value, and value application information applied to the payment amount, merchant information and card information, and through the communication network. When transmitting, the full text receiver 3215 receives the full text of the payment approval request in association with the interface 3210.

If a payment approval result corresponding to the payment approval request message is completed in the card company server 3200 and a payment approval result message including a predetermined payment processing history is generated, the text transmission unit 3220 may include the interface unit ( In connection with 3210, the full payment approval result is transmitted to the affiliated store terminal 3260.

Persons having ordinary knowledge in the technical field to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the communication network, and a detailed description thereof will be omitted for convenience.

Referring to FIG. 32, the card company server 3200 includes a payment amount, value application information, and merchant information, in which the card information and value are deducted from the affiliated store terminal 3260 through the specialized receiving unit 3215. When the payment approval request message is received, the card information checking unit 3225 checks whether the card information included in the received payment approval request message is matched with the card information issued through the card issuing system shown in FIG. 27. If the card information included in the full payment approval request is matched with the card information provided in the card information D / B 3245, the card limit associated with the card information in connection with the card information D / B 3245 A payment approval processing unit 3230 for processing payment approval of the payment amount through the value-linked card 3255 by comparing the information with the payment amount, and setting a predetermined payment error corresponding to the payment approval process; And an information generation unit 3235 for generating predetermined payment processing history information including a payment processing result including any one of payment approval information, and a payment processing history including predetermined payment approval information among the payment processing results. And an information storage unit 3240 for storing the predetermined transaction history information, which is formed by classifying the date and time, in the predetermined transaction history D / B 3250, wherein the generated payment processing history information is the full text. Characterized in that it is transmitted to the affiliated store terminal 3260 through a transmitter 3220.

When the payment approval request message including the card information, the payment amount, the value application information, and the merchant information is received from the affiliated store terminal 3260 through the specialized receiving unit 3215, the card information verification unit 3225 is the affiliated store. Characterized in that the card information included in the full payment approval request received from the terminal 3260 is matched with the card information issued through the card issuing system shown in FIG.

According to the exemplary embodiment of the present invention, the card information checking unit 3225 uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 3245. In addition, it is preferable to check whether the card information included in the full payment approval request is card information issued through the card issuing system shown in FIG. 27.

If the card information included in the payment approval request text is matched with the card information provided in the card information D / B 3245, the payment approval processing unit 3230 is determined from the card information D / B 3245. Check the card limit information on the value linked card 3255 stored in association with card information, and compare the confirmed card limit information with the payment amount to settle the payment amount through the value linked card 3255. And to approve the processing.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a credit card payment means (or postpaid payment attribute), the payment approval processing unit 3230 is the card information D / B The predetermined credit limit amount information stored in association with the card information is confirmed from 3245, and the determined credit limit amount information is compared with the settled amount, so that the value is linked to the settlement amount through the value-linked card 3255. Characterized in that the payment approval for processing.

The payment approval processing unit 3230 may process predetermined payment error information (eg, payment error code) or payment approval information (eg, payment) in the process of processing payment approval for the payment amount through the value-linked card 3255. Characterized in that for generating a payment processing result including any one of).

When the payment approval processing unit 3230 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 3235 may generate predetermined payment processing history information including the card information, payment amount, value application information, merchant information, and payment processing result. The specialized transmission unit 3220 may include the interface unit 3210. And a predetermined payment approval result message including payment processing history information to the affiliated store terminal 3260 through the communication network.

When predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 3230, the information storage unit 3240 may generate the payment processing history information (eg, the A predetermined transaction history information further including the payment date and time information in the predetermined payment processing history including card information, payment amount, value application information, merchant information, and payment approval information). And 3250).

The settlement processing unit 3205 may process an amount corresponding to the value deducted from the settlement amount through a financial system having the value type account based on the value application information included in the settlement approval request text. do.

33 is a diagram illustrating a payment approval process through the value-linked card 3255 according to an embodiment of the present invention.

In more detail, FIG. 33 shows the payment of the card shown in FIG. 32 through the affiliated store terminal 3260 shown in FIG. 30 using the value linkage card 3255 issued through the card issuing system shown in FIG. When the predetermined payment processing on the system, the merchant terminal 3260 generates the payment approval request full text through the operation process of the merchant terminal 3260 shown in Figure 31 and transmits to the card company server 3200, the card company Regarding a payment processing process for processing a payment approval corresponding to the full payment approval request in the server 3200, those skilled in the art to which the present invention pertains, refer to this figure 33 or modify the value Various implementation methods for the payment process through the interlocking card 3255 may be inferred, but the present invention includes all the implementation methods inferred. , Only the exemplary method shown in the figure 33 is not limited its technical characteristics.

Referring to FIG. 33, when the affiliated store terminal 3260 generates the full payment approval request message through the operating procedure of the affiliated store terminal 3260 illustrated in FIG. 31 and transmits it to the card company server 3200, the card company server ( 3200 receives the full payment approval request message (3300), and the card information included in the received full payment approval request message is issued through the card issuing system shown in FIG. In operation 3305, it is checked whether the card information matches the stored card information.

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search for card information stored in the card information D / B 3245, thereby providing the card information. It is preferable to check whether the card information issued through the card issuing system shown in FIG.

If the card information included in the payment approval request message is not matched with the card information stored in the card information D / B 3245 (3310), the card company server 3200 includes the card information error code. The payment approval result is generated and transmitted to the affiliated store terminal 3260 (3315).

On the other hand, if it is confirmed that the card information included in the full payment approval request is matched with the card information stored in the card information D / B 3245 (3310), the card company server 3200 is the card information D / The limit amount for the value-linked card 3255 is checked based on the card limit information associated with the card information from B 3245 (3320).

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the card company server 3200 is the card information D / B ( 3245) the predetermined credit limit amount information stored in association with the card information is stored, and the verified credit limit amount information is compared with the settled amount. It is desirable to process payment authorization.

If the limit amount for the value-linked card 3255 is confirmed (3325), the card company server 3200 compares the payment amount with the limit amount, thereby using the value-linked card 3255 for the payment amount. A payment approval procedure for payment processing is performed (3330).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (3335), the card company server 3200 includes payment error information (eg, payment error code) for the value-linked card 3255. Generate payment processing history information (3340), and generates a payment approval result full text including the payment processing history and transmits to the merchant terminal (3260) (3355).

On the other hand, when the payment approval is confirmed, the payment approval for the payment amount (3335), the card company server 3200 includes the card information, payment amount information, merchant information and payment approval information (e.g. payment approval number) Generating payment processing history information (3345), and the payment processing history including the card information, payment amount information, merchant information and payment approval information, and transaction history information including the payment date and time information; After storing in the B (3250) (3350), and generates a full payment approval result including the payment processing history and transmits to the merchant terminal (3260) (3355).

According to the implementation method of the present invention, after the payment approval processing, the card company server 3200 based on the value application information included in the full payment approval request request from the payment amount through the financial system with the value-type account It is desirable to settle the amount corresponding to the deducted value.

34 is a diagram showing the configuration of the card payment system through the value linked card 3430 according to another embodiment of the present invention.

In more detail, FIG. 34 illustrates the use of a value link card 3430 including check / debit card attributes issued through the card issuing system shown in FIG. 27 through the affiliated store terminal 3435 shown in FIG. In the payment processing, a card payment system for applying a predetermined value of the voucher and at least one discount coupon value provided in the value-type account to a predetermined payment amount, the payment process, which is common in the art Those skilled in the art may refer to or modify this drawing 34 to infer various implementation methods for the card payment system configuration through the value-linked card 3430, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG. 34.

Referring to FIG. 34, the card payment system through the value interlocking card 3430 includes a value interlocking card 3430 issued through the card issuing system shown in FIG. 27 and an affiliated store terminal provided in a predetermined offline affiliated store. 3435, and the financial company server 3400 which processes the payment amount to which the value is applied in the rechargeable account.

In FIG. 34, the financial company server 3400 on the card payment system through the value interlocking card 3430 is shown as one server, but this is only an exemplary method for effectively explaining the technical features of the present invention. The financial company server 3400 may be implemented as a plurality of servers (or devices) for each functional configuration, and the present invention is not limited thereto.

The value interlocking card 3430 issued through the card issuing system shown in FIG. 27 includes card information corresponding to a credit card attribute, and the card information is the value interlocking card 3430. A predetermined BIN that can be identified as being associated with a valued account that includes at least one valued online account (or a valued real account in a customer's name) registered through the valued online account registration system shown in FIG. Bank Identification Number) information.

The merchant terminal 3435 on the card payment system may include at least one credit authorization terminal (CAT) or at least one point of sales (POS) terminal having a payment function, and includes at least one card reader. After reading predetermined card information from the value interlocking card 3430, inputting a payment amount through a predetermined key input device, subtracting at least one or more values from the payment amount, and deducting the value. A payment approval request message including a value application information corresponding to an amount deducted from the payment amount and the payment amount is generated, and a payment approval request message including the card information and the affiliated store information is generated and transmitted to the financial company server 3400 through the communication network. The financial company server 3400 performs a predetermined payment approval procedure corresponding to the full payment approval request text, and then the payment approval result. By creating a payment approval results are transmitted to a professional comprising the merchant terminal (3435).

In addition, the communication network on the card payment system comprises at least one wired or wireless communication network for transmitting and receiving at least one or more payment related messages between the merchant terminal 3435 and the financial institution server 3400 based on at least one backbone network. It is characterized by.

In addition, the financial company server 3400 on the card payment system, characterized in that it comprises at least one server provided in the card company to process the payment approval for the value linked card (3430).

According to an exemplary embodiment of the present invention, the financial company server 3400 may apply the voucher value and at least one discount coupon value of the value-type account to a predetermined payment amount to perform the payment processing by applying the merchant terminal ( 3435) after receiving the payment approval request text including the card information, the merchant information, and a payment amount to which a predetermined voucher value and at least one discount coupon value are applied, the payment approval request through the value interlocking card 3430. Characterized in that the payment approval processing of the payment amount contained in the full text.

Those skilled in the art to which the present invention pertains include the technical features of the merchant terminal 3435 and the technical features of the conventional financial company server 3400 omitted in FIG. 34 and the technical features of the communication network. Since it will be understood, detailed description thereof will be omitted for convenience.

Referring to FIG. 34, the financial company server 3400 may include an interface unit 3405 for connecting and managing a communication channel for transmission and reception of payment-related texts with at least one merchant terminal 3435 through at least one communication network, and A professional receiving unit 3410 which receives a payment approval request message including at least one of card information, payment amount, value application information, and merchant information from the affiliated store terminal 3435 in association with the interface unit 3405; It is characterized in that it comprises a specialized transmission unit 3415 for transmitting a payment approval result full text corresponding to the payment approval request full text to the affiliated store terminal 3435 in connection with (3405).

The merchant terminal 3435 generates a payment approval request message including at least one voucher value and a discount coupon value subtracted, a value application information applied to the payment amount, merchant information and card information, and through the communication network. When transmitting, the full text receiver 3410 receives the full text of the payment approval request in association with the interface 3405.

If the payment approval procedure corresponding to the payment approval request message is completed in the financial company server 3400 and a payment approval result message including a predetermined payment processing history is generated, the specialized transmission unit 3415 may include the interface unit ( In connection with 3405, the full payment approval result is transmitted to the affiliated store terminal 3435.

Persons having ordinary knowledge in the technical field to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the communication network, and a detailed description thereof will be omitted for convenience.

Referring to FIG. 34, the financial company server 3400 includes a payment amount, value application information, and merchant information, in which the card information and value are deducted from the affiliated store terminal 3435 through the specialized receiver 3410. When the full text of the approval request is received, a payment approval processing unit 3420 for processing payment approval for the payment amount by comparing the payment amount included in the payment approval request text with the balance deposited in the rechargeable account, and the payment approval When processing, withdraw the payment amount deducting the value from the balance of the rechargeable account, transfer it to the merchant account corresponding to the merchant information, generate the account transfer history and record in the ledger corresponding to the rechargeable account, The amount corresponding to the value deducted from the payment amount is withdrawn from the value type account and transferred to the merchant account corresponding to the merchant information. After that, it is characterized in that it comprises a ledger processing unit 3425 for generating the value application history and record in the ledger corresponding to the value-type account.

The payment approval processing unit 3420 compares the payment amount deducted from the value with the balance deposited in the rechargeable account, and checks whether the payment amount deducted from the value can be processed through the rechargeable account. It is characterized by performing an approval procedure.

As a result of the check of the payment approval processing unit 3420, when the payment processing is possible through the balance deposited in the rechargeable account, the ledger processing unit 3425 may determine the value in the rechargeable account balance. After the withdrawal of the payment amount is deducted and transferred to the merchant account corresponding to the affiliated store information, the account transfer details are generated and recorded in the ledger corresponding to the rechargeable account.

In addition, the ledger processing unit 3425 withdraws the amount corresponding to the value deducted from the payment amount from the value type account and transfers it to the merchant account corresponding to the merchant information, and then generates the value application details and generates the value. Characterized in the ledger corresponding to the type account.

35 is a diagram illustrating a payment approval process through the value-linked card 3430 according to another embodiment of the present invention.

More specifically, FIG. 35 shows the payment of the card shown in FIG. 34 through the affiliate store terminal 3435 shown in FIG. 30 using the value linkage card 3430 issued through the card issuing system shown in FIG. In the predetermined payment processing on the system, the merchant terminal 3435 generates the full payment approval request message through the operation process of the merchant terminal 3435 shown in FIG. 31 and transmits it to the card company server. In this regard, the present invention relates to a payment processing process that compares a balance deposited in the rechargeable account with a payment amount deducted from the value, and performs payment approval. By referring to or modified to be able to infer various implementation methods for the payment process through the value linked card 3430, the present invention is inferred Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 35.

Referring to FIG. 35, when the merchant terminal 3435 generates the full payment approval request message and transmits it to the card company server through the operation of the merchant terminal 3435 illustrated in FIG. 31, the financial company server 3400 In connection with the financial system, a payment approval process is performed to compare the balance of the confirmed rechargeable account with the settlement amount deducted from the value, and to process the settlement amount deducted from the value through the rechargeable account ( 3500).

If, as a result of the payment approval, payment approval for the payment amount deducted through the rechargeable account is not confirmed (3505), the financial institution server 3400 may provide payment error information for the value-linked card 3430. For example, the payment processing history information including the payment error code is generated (3510), and the payment approval result text including the payment processing history is generated and transmitted to the affiliated store terminal 3435 (3550).

On the other hand, if the payment approval is confirmed as a result of the payment amount is deducted through the rechargeable account (3505), the financial institution server 3400 in connection with the financial system the payment amount is deducted value Withdraw money from the rechargeable account and transfer it to an account corresponding to the merchant information (3515), generate a predetermined account transfer history for the deducted payment amount (3520), and then link with the financial system. The transfer history is recorded in the ledger corresponding to the rechargeable account (3525).

In addition, the financial company server 3400 withdraws an amount corresponding to the value deducted from the payment amount in connection with the financial system from the value type account and transfers the amount to the account corresponding to the affiliate store information (3530). After generating a predetermined value application history corresponding to the value deducted from the payment amount (3535), the value application details are recorded in the ledger corresponding to the value type account in connection with the financial system (3540).

According to another exemplary embodiment of the present invention, the process of withdrawing the amount corresponding to the value deducted from the payment amount by the financial company server 3400 from the value type account and transferring the amount to the account corresponding to the affiliate store information According to an agreement between the institution that issues the value (eg, a voucher or a discount coupon) and the financial institution, the value application may be generated first, and then processed after a predetermined period of time. It is not limited.

Thereafter, the financial company server 3400 generates a payment processing history including the account transfer history and the value application history (3545), and generates a full payment approval result including the payment processing history (3435). To transmit (3550).

According to the present invention, upon payment of a card using the value linked card, various merchants (or discount coupons) in addition to applying the voucher-based value to a voucher target customer operated based on various funds operated by the flag organization (or local government). There is an advantage to provide a double discount benefits by applying the value corresponding to various discount coupons issued by the issuing institution).

Claims (2)

In the payment approval processing method for applying heterogeneous values through the terminal device provided in the merchant, Storing and managing the card information of the customer, the voucher value information corresponding to the voucher operated based on the fund and corresponding to the voucher to be provided to the customer, and the coupon value information provided to the customer at the merchant; Outputting voucher value information and coupon value information linked to the customer card on the screen, in connection with the memory unit, when the payment process is performed according to the use of the customer card; If the voucher value information and the coupon value information are output on the screen, processing one or more value information to be applied to the card payment processing among the voucher value and the coupon value output on the screen through a key input means; And After changing the payment amount according to the customer's use of the card to the amount to which the one or more selected values of the voucher value and coupon value is applied, generate a payment approval request text for the value applied payment amount to transmit to the server on the communication network Step; Appropriate payment processing method characterized in that it comprises a; The method of claim 1, wherein the terminal device, And a step of periodically updating the voucher value information associated with the customer card in association with a server on a communication network.

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