KR20090093261A - System and method for presenting communication expense by using points(or mileages) and program recording medium - Google Patents

Abstract

A communications fee giving method and a system thereof which pays the communications fee of the communications fee gift target are provided to use the mileage or points easily by using the communication fee by exchanging the point or the mileage. A plurality of points or mileages accumulated to a client is registered to a ledger opening communication fee payment account. Information about a client of a communications expense gift target received from a customer terminal is registered by the ledger. The communication expense information of the communications fee gift target consumer is received from the communications corporation server(1515). The cash value of one or more points exchanged to the cash value or the mileage is confirmed among the point or the mileage of the accumulated multiple(1520). The confirmed point or the mileage is exchanged to the cash value. The communications fee of the communications fee gift target consumer is paid(1535).

Description

System and Method for Presenting Communication Expense by Using Points (or Mileages) and Program Recording Medium}

The present invention is to register a plurality of points (or mileage) to be credited to the customer in accordance with the transaction results of the customer through a bank, credit card company in the ledger where the communication fee payment account of the customer is opened, the terminal used by the customer Receiving the customer information of the communication charge present (or payment) from the registered account in the ledger in which the communication charge payment account is opened; and the communication from the telecommunication company server that charges the communication charge to the customer of the communication charge present (or payment). Receiving the communication charge information of the customer of the fare futures (or payment) and the cash value of one or more points (or mileage) that can be converted into a cash value of a plurality of points (or mileage) accumulated in the customer Step, and if the cash value of the exchangeable one or more points (or mileage) is confirmed, the identified point (Or miles), the present invention relates to using the exchange to cash value point (or miles) comprises the step of processing to pay the communication charges present (or daenap) communication rate for the destination customer communication charges present method.

Due to the development of modern society, communication means, which has become a necessity around us, is being established as an effective communication means that can exchange opinions while staying at a long distance between people.

This effective means of communication, rather than incurring communication charges on the caller, depending on the customer who wants to make a call, is particularly important in terms of promotions to customers. Payment of telephone bills for telephones, telephone bills for ordering telephones, etc.).

In order to solve this situation, the above services are provided through various methods such as 080 service and prepaid currency, but these must deal with a predetermined amount (or unconditional call charges for all calls). There is a problem.

An object of the present invention for solving the above problems is to register a plurality of points (or mileage) to be credited to the customer in accordance with the transaction results of the customer through a bank, card company in the ledger opened the communication fee payment account of the customer And means for receiving customer communication target (or payment) target customer information from a terminal used by the customer and registering in the ledger where the communication charge settlement account is opened, and communicating to the target customer for the communication charge present (or payment). Means for receiving the communication fee information of the customer for the communication charge present (or payment) from the telecommunication company server that charges a fee, and one or more points capable of converting a plurality of points (or mileages) accumulated in the customer into a cash value ( Or mileage) means for verifying the cash value and the current value of one or more exchangeable points (or mileage). When the value is confirmed, a communication fee present using a point (or mileage) including means for converting the identified point (or mileage) into cash value and paying the communication fee of the customer of the communication charge present (or payment). In providing a system.

According to the present invention, a communication rate presenting method using points (or mileages) includes a plurality of points (or mileages) that are credited to the customer in response to a transaction result of a customer through a bank or a credit card company. Registering with the opened ledger, receiving customer information for a communication charge present (or payment) from a terminal used by the customer, and registering with the ledger where the communication charge payment account is opened; Receiving the communication charge information of the target customer of the communication charge present (or payment) from the carrier server that charges the communication charge to the target customer, and converts a plurality of points (or mileage) accumulated in the customer to cash value Ascertaining the cash value of one or more possible points (or miles), and the one or more exchangeable points (Or the mileage), the cash value is confirmed, the step of converting the confirmed point (or mileage) to cash value, characterized in that it comprises the step of paying the communication fee of the customer of the communication charge present (or payment) target customer do.

According to the present invention, the communication fee present method using the point (or mileage), the communication fee present (or payment) of the communication fee of the target customer to check the unpaid communication fee through the exchanged point (or mileage) And transferring the unpaid communication fee from the customer's communication account and paying or transferring the unpaid communication fee to the communication company server to be charged to the customer of the communication charge present (or payment). do.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording a program for executing the communication rate presenting method using the above-described point (or mileage).

On the other hand, the communication rate gift system using a point (or mileage) according to the present invention, the payment of the communication rate of the customer a plurality of points (or mileage) that is credited to the customer in response to the transaction performance of the customer through a bank, card company Means for registering in a ledger in which an account is opened, means for receiving customer communication target (or payment) customer information from a terminal used by the customer and registering in the ledger in which the communication fee payment account is opened; Or payment) means for receiving the communication charge information of the communication charge present (or payment) target customer from a carrier server that charges the communication charge to the target customer, and a cash value of the plurality of points (or mileage) accumulated to the customer. Means for verifying the cash value of one or more points (or miles) convertible to If the cash value of the point (or mileage) of is confirmed, comprising the means for converting the confirmed point (or mileage) to the cash value to pay the communication fee of the customer of the communication charge futures (or payment) target customer. It features.

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

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

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

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

1 is a diagram illustrating a face-to-face information registration system for linking points (or mileage) accumulated in correspondence with financial institution transaction results according to an embodiment of the present invention and a communication fare payment account.

In more detail, in Figure 1, a predetermined customer provides points (or mileage) accumulated in response to the financial institution transaction results with the customer information, communication billing account information, points (or mileage) provider to link the communication fee payment account After filling out and submitting a point (or mileage) use application form containing information, at least one point (or mileage) use agreement information, and customer information subject to a communication charge present (or payment), the predetermined counter terminal 175 Acquire a predetermined image content corresponding to the point (or mileage) application form through the image acquisition device, and a point (or mileage corresponding to the point (or mileage) application form to the information registration system through a predetermined information registration interface. ) The application information and the image obtained from the point (or mileage) application If the content is provided, a predetermined point (or mileage) use request electronic document including the image content is generated and stored in a predetermined electronic document storage, the customer information included in the point (or mileage) use request information, System configuration for storing the communication fee billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, communication charges futures (or payment) target customer information in a predetermined storage medium 170 In particular, the present invention relates to an implementation method in which the electronic document repository is provided on an external system associated with the information registration system through a predetermined communication means.

Persons of ordinary skill in the art to which the present invention pertains register information for linking points (or mileages) accumulated in correspondence with financial institution transaction results by referring to and / or modifying FIG. Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the information registration system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 1, the point (or mileage) use application electronic document corresponding to the point (or mileage) use application is illustrated as being generated on the server side on the information registration system. The present invention is not limited thereto, and the point (or mileage) use request electronic document is generated by a terminal that has acquired image content corresponding to the point (or mileage) use request through a predetermined image acquisition device. (For example, the electronic document generation function provided at the server side is provided at the terminal side to generate the point (or mileage) use application electronic document), and the present invention is not limited thereto.

Hereinafter, the point (or mileage) application request information and image contents corresponding to the point (or mileage) use application written by the customer are provided through a predetermined information registration interface shown in FIG. (Or mileage) at least one or more means and / or functional configuration for generating a request for use electronic document stored in a predetermined electronic document storage, and storing the point (or mileage) use request information in a predetermined storage medium 170 The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for linking a point (or mileage) accumulated in correspondence with the financial institution transaction results to a communication fee payment account may include at least one financial institution branch ( Or an information registration terminal 180 including a counter terminal 175 provided at a branch), wherein the information registration terminal 180 is provided on the information registration system through a predetermined financial network. The communication channel is connected to the registered information registration server 100.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (business office) for linking the points (or mileages) accumulated in response to the financial institution transaction performance with a communication fee payment account, and the financial institution Application form for the use of predetermined points (or mileage) for linking the points (or mileage) accumulated in correspondence with the financial institution's transaction performance through the window (or through the clerk) provided at the branch (office) (E.g., a document having a form for filling in at least one or more information items for linking points (or mileages) accumulated in correspondence with the financial institution transaction results to a communication fee payment account), wherein the customer It is desirable to seal the customer's seal for legal reasons on the point (or mileage) application form .

Subsequently, when the customer submits the created point (or mileage) use application to the teller, the teller acquires predetermined image content by scanning the point (or mileage) use request through a predetermined image obtaining apparatus. Image content acquired in response to the point (or mileage) application for use through a predetermined window terminal 175, customer information written on the point (or mileage) application, communication fee payment account information, and points (or mileage) ) Input (or select) point (or mileage) use request information including at least one or more provider information, point (or mileage) use agreement information, and customer information for a communication charge futures (or payment), and correspondingly The window terminal 175 transmits the image content and the point (or mileage) use application information to the financial network. Through it is desirable to transmit to the information registering server 100 provided on the information registering system.

Here, the window terminal 175 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 175 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 175 and the information registration server 100 is connected to the window terminal 175 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the information registration system as described above, an image acquisition device for acquiring image content corresponding to a point (or mileage) usage application prepared by the customer, a teller terminal 175 and the teller terminal 175 used by the employee And a financial network connecting the information registration server 100 to the point (or mileage) using the application information for the point (or mileage) accumulated by the customer in correspondence with the financial institution transaction results in connection with the communication fee payment account Performs the function of the information registration interface for registration.

The storage medium 170 provided on the information registration system according to the present invention includes the customer information included in the point (or mileage) use application information provided from the information registration terminal 180, communication fee payment account information, Point (or mileage) providing agency information, point (or mileage) usage agreement information, communication charges present (or pay) target customer information is characterized in that it is stored in a predetermined storage medium 170.

The customer information subject to the communication fee present (or payment) includes personal information (eg, name, resident registration number, address, etc.) of the customer to whom the customer who has written the point (or mileage) application for which he / she wishes to present (or pay) the communication fee , A telephone number, a mobile phone number, an e-mail address, and the like, and the member information of the customer (e.g., the financial system associated with the information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the above is preferably included.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The point (or mileage) provider information is the point (or mileage) of the point (or mileage) provider that pays the point (or mileage) generated in the process of using the various services by the customer, the point (or mileage) contracted with the financial institution Institution information about the provider (e.g., organization name, corporation registration number, business registration number, address, telephone number, e-mail address, etc.) and member information of the point (or mileage) provider (for example, the point (or Mileage), the member ID information provided in the customer ledger provided on the financial system linked with the information registration system in response to the point (or mileage) providing institution by signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like). Wherein the point (or miles) provider may be omitted if the financial institution in accordance with the intent and purpose.

In addition, the point (or mileage) provider information is preferably made by the exchange rate information for the exchange, if the point (or mileage) provided by the point (or mileage) provider is exchanged for cash. .

The point (or mileage) agreement information is used in using the point (or mileage) provided by the point (or mileage) provider in order to use the point (or mileage) held by the customer as the communication fee of the customer It is preferable that the agreement information is included.

The customer information includes personal information of the customer (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who has written the point (or mileage) application, and member information of the customer (eg, Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 170 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 170 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal 180 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 180 is a window terminal 175 connected to a predetermined financial network, the information registration server 100 is the window terminal 175 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 180 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 180 is the window terminal 175 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 175, and provides a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 175 It is preferable.

Referring to FIG. 1, when the information registration terminal 180 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the information registration server 100 provides the financial information. Application for using points (or mileage) created by the customer through a predetermined image acquisition device provided in the information registration terminal 180 in order to link the points (or mileage) accumulated in response to the institutional transaction results with the communication fee payment account At least one or more users who acquire image contents corresponding to and input (or select) point (or mileage) use application information corresponding to the point (or mileage) use application and transmit the information to the information registration server 100. An interface is generated (or extracted) and the generated (or extracted) user interface is linked to the interface unit 105 to register the information. Input the point (or mileage) use application information corresponding to the point (or mileage) application for use through the user interface interface interface 110 and the information registration terminal 180 provided to (180) (or And the information receiving unit 115 to receive the point (or mileage) use request information transmitted from the information registration terminal 180 in association with the interface unit 105 and the information registration terminal 180. ) Acquires and transmits the image content corresponding to the point (or mileage) use application written by the customer through a predetermined image acquisition device based on the user interface, the point (or And an image receiving unit 120 for receiving image content corresponding to the mileage use application form. Shall be.

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. If a user interface for requesting a point (or mileage) accumulated in correspondence with a financial institution's transaction result is linked to a communication fee payment account, the customer may create a predetermined image acquisition device provided in the information registration terminal 180. Acquire image content corresponding to a point (or mileage) use application, input (or select) point (or mileage) use application information corresponding to the point (or mileage) use application, and register the information through the financial network. Create at least one user interface for transmission to the server 100, and / or from a predetermined database (not shown) Output and works with the interface unit 105 to the generated user interface (or extraction) is characterized in that provided in the information registering terminal 180 through the financial network.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image content corresponding to the point (or mileage) application written by the customer through a predetermined image acquisition device, and uses the point (or mileage). A predetermined information registration program having at least one user interface for inputting (or selecting) point (or mileage) use application information corresponding to the application to be transmitted to the information registration server 100 through the financial network is provided. In this case, as described above, the image content corresponding to the point (or mileage) application written by the customer is obtained through a predetermined image acquisition device, and the point (or mileage) corresponding to the point (or mileage) application is used. Enter (or select) application information to transmit to the information registration server 100. The interface providing unit 110 for generating (or extracting) a user interface and providing the information registration terminal 180 may be omitted, and the present invention is not limited thereto.

Then, the information registration terminal 180 through the user interface, the customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage consent information, communication fee gift (or payment) Input (or select) point (or mileage) use application information including at least one target customer information, and use the input (or selected) point (or mileage) application information through the financial network to the information registration server. In response thereto, the information receiving unit 115 receives the point (or mileage) use request information transmitted from the information registration terminal 180 in association with the interface unit 105. It is done.

In addition, the information registration terminal 180 obtains the image content corresponding to the point (or mileage) use application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content The image receiving unit 120 receives the image content corresponding to the point (or mileage) application for use in connection with the interface unit 105 in response to the information registration server 100 through a financial network. It is characterized by.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image content corresponding to a point (or mileage) use application written by the customer through a predetermined image acquisition device, and then obtains the information registration terminal 180. In the case of pre-stored in a predetermined storage device provided in (or associated with), the information registration terminal 180 is a point created by the customer among at least one or more image contents previously stored in the storage device through the user interface ( Or mileage) an image content corresponding to the application for use is selected and transmitted to the information registration server 100 through the financial network. In response thereto, the image receiving unit 120 is connected to the interface unit 105 to the point. (Or mileage) It is desirable to receive the image content corresponding to the application for use.

According to another exemplary embodiment of the present invention, the information registration terminal 180 corresponds to the image content corresponding to the point (or mileage) use application written by the customer through the user interface and corresponding to the point (or mileage) use application When transmitting the point (or mileage) use application information together, the information receiving unit 115 is associated with the interface unit 105 and the image content and points (or mileage) corresponding to the point (or mileage) application form It is possible to receive usage application information together (eg, the image receiving unit 120 is integrated into the information receiving unit 115 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 1, the information registration server 100 receives the point (or mileage) usage request information transmitted from the information registration terminal 180 through the information receiving unit 115. Or mileage) application information is provided with a validity check unit 125 for checking whether the points (or mileage) accumulated in correspondence with the financial institution transaction performance satisfies the validity for linkage with the communication fee payment account. do.

According to an embodiment of the present invention, the validity of the point (or mileage) use application information and the point (or mileage) use application information to the ledger D / B (200) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 125 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the point (or mileage) use application information is associated with the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B (200).

In addition, the validity of the point (or mileage) use application information, the information contained in the point (or mileage) use application information, the communication fee payment account information is the ledger on the financial system associated with the information registration system It is preferable to include a check that matches the account ledger stored in the D / B (200).

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 180 through the image receiving unit 120, and receives the point through the validity checking unit 125. (Or mileage) when the validity of the use application information is authenticated, an electronic document generation unit 130 for generating a predetermined point (or mileage) use application electronic document including the received image content, and the generated point ( Or mileage) an electronic document transmission unit 135 for transmitting an electronic document application to the electronic document storage associated with the information registration system.

The electronic document generating unit 130 generates a point (or mileage) use request electronic document including the image content received from the information registration terminal 180 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 trades the financial institution as it is an image file including the image content received from the information registration terminal 180 through the image receiving unit 120. It is preferable to process the accumulated points (or mileage) in response to the results as points (or mileage) application request electronic document for linkage with the communication fee payment account.

Alternatively, the electronic document generation unit 130 requests to use the point (or mileage) received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Watermarking at least one or more of the customer information included in the information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information subject to the communication charges (or payment) Generating a point (or mileage) use request electronic document for linking the points (or mileage) accumulated in response to the financial institution transaction results with an image file corresponding to the image content including the watermarking method; It is preferable.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 180 through the image receiving unit 120) Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate an electronic document for using the points (or mileage) for linking the accumulated points (or mileage) with the communication fee payment account according to the results.

Alternatively, the electronic document generation unit 130 requests to use the point (or mileage) received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Watermarking at least one or more of the customer information included in the information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information subject to the communication charges (or payment) Generates image content including the watermarking method, and a predetermined document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content By generating at least one word processor file or a web document file including MHT) Accrued points (or miles) points for communication charges associated with payment accounts (or miles) it is preferable to use application created for electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 180 through the image receiving unit 120. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing the received point (or mileage) application information. File, or a web document file including MHT) to generate points (or mileage) accumulated in correspondence with the financial institution's transaction results, It is desirable to produce.

Alternatively, the electronic document generation unit 130 requests to use the point (or mileage) received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Watermarking at least one or more of the customer information included in the information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information subject to the communication charges (or payment) Generates image content including a watermarking method, and includes a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including the generated image content and the point (or mileage) application information. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) As such, it is desirable to create the institutions of a point (or miles) and earn corresponding points on the trading performance for the communication charges associated with the payment account (or miles) Application using electronic documents.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 130 is a technical feature of generating a point (or mileage) use application electronic document of the image file format and / or a predetermined document file format And, since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the point (or mileage) use application electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the point (or mileage) use request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the information registration system. It features.

As shown in FIG. 1, the electronic document repository is connected to the information registration server 100 on the information registration system with a predetermined electronic document server 145 and an electronic document D / B 165 through predetermined communication means. When provided externally, the electronic document transmission unit 135 is the electronic document server through the communication means for the point (or mileage) using the electronic document generated by the electronic document generation unit 130 It characterized in that the transmission to (145).

Herein, when the electronic document server 145 and the electronic document D / B 165 are provided outside the information registration system, the electronic document server 145 and the electronic document D / B 165 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the information registration system, the electronic document transmitting unit 135 is the point generated by the electronic document generating unit 130. (Or mileage) It is possible to store the electronic application D / B 165 corresponding to the electronic document storage on the DBMS provided in the information registration system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, a point corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 145. Or mileage) customer information on which the application for use is made, and / or financial institution information for transmitting the point (or mileage) request for electronic document, and / or electronic document file format information, and / or application for use of the point (or mileage). Information, etc.) can be further transmitted to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 1, the information registration server 100 may request that the point (or mileage) usage request information received through the information receiver 115 correspond to the financial institution transaction performance through the validity checker 125. If the validity for the connection of the accumulated points (or mileage) with the communication fee payment account is authenticated, the customer information, communication fee payment account information, points (or And a data storage unit 140 for linking and processing the mileage providing agency information, point (or mileage) usage agreement information, and customer information for a communication fee present (or payment) to a predetermined storage medium 170. It features.

When the validity of the point (or mileage) use application information is confirmed by the validity confirming unit 125, the information storage unit 140 includes customer information and communication fee included in the point (or mileage) use application information. Payment account information, point (or mileage) providing agency information, point (or mileage) usage agreement information, communication charges (or payment) target customer information is processed in connection with the storage medium 170, characterized in that the storage medium 170, When the storage medium 170 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 140 receives the received point (or mileage). ) Customer information included in the application information, communication billing account information, point (or mileage) provider information, íin (or mileage) use consent information, communication fee gifts (or Payment) preferably linked to the target customer information and stored in the storage medium 170, if the storage medium 170 is provided in a DBMS provided on the financial system, the information storage unit 140 is Customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) provider information, point (or mileage) usage consent information, communication charges (or payment) customer information It is desirable to provide to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Referring to FIG. 1, a predetermined point (or mileage) use request electronic document is received from the information registration server 100 provided on the information registration system, and stored and managed in a predetermined electronic document D / B 165. The electronic document server 145 includes an electronic document receiving unit 150 for receiving a predetermined point (or mileage) use request electronic document from the information registration server 100 through a predetermined communication means, and the received point ( Or mileage) an information generation unit 155 for generating predetermined electronic document management information for storing and managing the use application electronic document in the electronic document D / B 165, the electronic document management information and the point (or Mileage) is characterized in that it comprises an electronic document storage unit 160 for linking the application request electronic document stored in the predetermined electronic document D / B (165).

The electronic document receiving unit 150 may receive a point (or mileage) use request electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to the exemplary embodiment of the present invention, the point (or mileage) use request electronic document received by the electronic document receiving unit 150 through the communication means is the information registration server 100 from the information registration terminal 180 It is preferable that the image file including the received image content is included as it is.

Alternatively, the point (or mileage) use application electronic document received by the electronic document receiving unit 150 through the communication means is displayed on the image content received by the information registration server 100 from the information registration terminal 180. At least one of customer information included in the point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) use agreement information, and customer information subject to a communication charge gift (or payment) It is preferable to include an image file corresponding to the image content including at least one information in a watermarking manner.

According to another exemplary embodiment of the present invention, the point (or mileage) use request electronic document that the electronic document receiving unit 150 receives through the communication means, the information registration server 100 is the information registration terminal 180 A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing image content received from the Web document files, etc.) to be included.

Alternatively, the point (or mileage) use application electronic document received by the electronic document receiving unit 150 through the communication means is the point on the image content received by the information registration server 100 from the information registration terminal 180. (Or mileage) at least one of customer information included in the application information, communication billing account information, points (or mileage) provider information, points (or mileage) agreement information, customer information for the communication (for future payment) At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing image content including the above information by a watermarking method. Preferably includes a word processor file or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the point (or mileage) use request electronic document received by the electronic document receiving unit 150 through the communication means is the information registration server 100 the information registration terminal 180 At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the information and the point (or mileage) use information. And at least one word processor file or web document file including MHT).

Alternatively, the point (or mileage) use application electronic document received by the electronic document receiving unit 150 through the communication means is the point on the image content received by the information registration server 100 from the information registration terminal 180. (Or mileage) at least one of customer information included in the application information, communication billing account information, points (or mileage) provider information, points (or mileage) agreement information, customer information for the communication (for future payment) A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing the image content including the above information by a watermarking method and the point (or mileage) application information. , Or a word processor file including at least one HWP / DOC, or a web document file including an MHT). From being bait it is preferred.

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the point (or mileage) use request electronic document received through the electronic document receiving unit 150, and the electronic document receiving unit 150 Electronic document containing the date and time of electronic document storage including the date and time (or date and time the point (or mileage) use request electronic document was stored) received the point (or mileage) use request electronic document through And generating management information.

According to the exemplary embodiment of the present invention, the information generating unit 155 refers to the information registration server 100 that has transmitted the electronic document receiving the point (or mileage) use request received through the electronic document receiving unit 150. It is preferable to check the financial institution that has transmitted the point (or mileage) use application electronic document, and generate electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100 through the electronic document receiving unit 150, the information generating unit 155 receives the received information. Electronic document-related information (e.g., customer information for which a point (or mileage) application for use corresponding to the image content and / or financial institution information for transmitting the point (or mileage) application for electronic document, and / or electronic document) It is preferable to generate electronic document management information further including file format information, and / or the point (or mileage) application information.

The electronic document storage unit 160 processes a point (or mileage) use request electronic document received through the electronic document receiving unit 150 and electronic document management information generated through the information generating unit 155 to process the predetermined information. It is characterized in that stored in the electronic document D / B (165).

According to the exemplary embodiment of the present invention, the point (or mileage) use application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the information registration server 100 the information It is preferable that the image file including the image content received from the registration terminal 180 is included as it is.

Alternatively, a point (or mileage) use request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is received by the information registration server 100 from the information registration terminal 180. Customer information included in the point (or mileage) use application information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) use consent information, and communication gift (or payment) It is preferable to include an image file corresponding to the image content including at least one or more information of the target customer information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the point (or mileage) use request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the information registration server 100 Word including at least one predetermined document file (eg, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content received from the information registration terminal 180. Processor file, or a web document file including MHT).

Alternatively, a point (or mileage) use request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is received by the information registration server 100 from the information registration terminal 180. Customer information included in the point (or mileage) use application information in one image content, communication fee payment account information, point (or mileage) provider information, point (or mileage) agreement information, communication charges (or payment) A predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) containing image content including at least one or more pieces of information of target customer information by a watermarking method. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the point (or mileage) application request electronic document stored in the electronic document storage unit 160 in the electronic document D / B (165) is the information registration server 100 A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or the like) containing the image content received from the information registration terminal 180 and the point (or mileage) use information. And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, a point (or mileage) use request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is received by the information registration server 100 from the information registration terminal 180. Customer information included in the point (or mileage) use application information in one image content, communication fee payment account information, point (or mileage) provider information, point (or mileage) agreement information, communication charges (or payment) Image content including at least one or more pieces of target customer information in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI) including the point (or mileage) use request information. (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to make.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by processing the electronic document storage unit 160 in connection with the point (or mileage) use application electronic document is the It is preferable that a predetermined electronic document unique number (or unique information) assigned to the point (or mileage) use application electronic document and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by processing the electronic document storage unit 160 in connection with the point (or mileage) use application electronic document, It is preferable to further include financial institution information for transmitting the point (or mileage) use request electronic document confirmed with reference to the information registration server 100 that transmitted the point (or mileage) use application electronic document.

According to another exemplary embodiment of the present invention, when the electronic document storage information is further received from the information registration server 100, the electronic document storage unit 160 and the point (or mileage) application request electronic document The electronic document management information stored in the electronic document D / B 165 in association with each other may include the received electronic document related information (for example, customer information for creating a point (or mileage) use application corresponding to the image content), and And / or financial institution information for transmitting the point (or mileage) use request electronic document, and / or electronic document file format information, and / or the point (or mileage) use request information, etc.). .

Figure 2 is a ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner in order to link the points (or mileage) accumulated in correspondence with the financial institution transaction results in accordance with an embodiment of the present invention in connection with the communication fee payment account FIG. 1 is a diagram illustrating a configuration of point (or mileage) use application information stored in FIG.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 170 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. Point (or mileage) use application information including the customer information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information subject to the communication charge futures (or payment) As shown in FIG. 1, information stored in an exemplary embodiment of the present invention is stored, and those skilled in the art to which the present invention pertains may refer to and / or modify the drawing. (Or mileage) It can be inferred from the various information configuration methods for storing the use application information, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. do.

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

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.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / 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, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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.

Referring to FIG. 2, the point (or mileage) use application information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger, and the point (or mileage) The application information may include at least one of customer information, communication billing account information, point (or mileage) providing agency information, point (or mileage) usage agreement information, and customer information for the communication fee futures (or payment). It is done.

The customer information subject to the communication fee present (or payment) includes personal information (eg, name, resident registration number, address, etc.) of the customer to whom the customer who has written the point (or mileage) application for which he / she wishes to present (or pay) the communication fee , A telephone number, a mobile phone number, an e-mail address, and the like, and the member information of the customer (e.g., the financial system associated with the information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the above is preferably included.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The point (or mileage) provider information is the point (or mileage) of the point (or mileage) provider that pays the point (or mileage) generated in the process of using the various services by the customer, the point (or mileage) contracted with the financial institution Institution information about the provider (e.g., organization name, corporation registration number, business registration number, address, telephone number, e-mail address, etc.) and member information of the point (or mileage) provider (for example, the point (or Mileage), the member ID information provided in the customer ledger provided on the financial system linked with the information registration system in response to the point (or mileage) providing institution by signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like). Wherein the point (or miles) provider may be omitted if the financial institution in accordance with the intent and purpose.

In addition, the point (or mileage) provider information is preferably made by the exchange rate information for the exchange, if the point (or mileage) provided by the point (or mileage) provider is exchanged for cash. .

The point (or mileage) agreement information is used in using the point (or mileage) provided by the point (or mileage) provider in order to use the point (or mileage) held by the customer as the communication fee of the customer It is preferable that the agreement information is included.

The customer information includes personal information of the customer (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who has written the point (or mileage) application, and member information of the customer (eg, Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

According to another exemplary embodiment of the present invention, the point (or mileage) application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, customers). It may be stored in the form of additional information added to the ledger) and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus, the present invention is not limited thereto.

Figure 3 is a ledger D / B provided in the DBMS on the financial system in a face-to-face manner to link the points (or mileage) accumulated in response to the financial institution transaction results in accordance with another embodiment of the present invention in connection with the communication fee payment account ( 200 is a diagram illustrating a point (or mileage) use application information configuration stored in the database associated with 200).

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 170 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to transfer the point (or mileage) usage application information to a predetermined database. It is possible to infer various information configuration methods for storing in association with 200, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, it is not easy to store the point (or mileage) use application information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, the policy of a financial institution). If it is not easy to change the ledger D / B 200 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system, the point (or Mileage) shows an implementation method of storing the use application information, and the database and the ledger D / B (200) linked to process.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database includes customer information included in the point (or mileage) use application information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) use agreement information, and communication fee. Characterized in that the present (or payment) target customer information is stored in association, the point (or mileage) application information is applied to the point (or mileage) application to be processed in conjunction with the ledger D / B (200) Preferably, the information further includes a CIF number corresponding to the ledger information.

The customer information subject to the communication fee present (or payment) includes personal information (eg, name, resident registration number, address, etc.) of the customer to whom the customer who has written the point (or mileage) application for which he / she wishes to present (or pay) the communication fee , A telephone number, a mobile phone number, an e-mail address, and the like, and the member information of the customer (e.g., the financial system associated with the information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the above is preferably included.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The point (or mileage) provider information is the point (or mileage) of the point (or mileage) provider that pays the point (or mileage) generated in the process of using the various services by the customer, the point (or mileage) contracted with the financial institution Institution information about the provider (e.g., organization name, corporation registration number, business registration number, address, telephone number, e-mail address, etc.) and member information of the point (or mileage) provider (for example, the point (or Mileage), the member ID information provided in the customer ledger provided on the financial system linked with the information registration system in response to the point (or mileage) providing institution by signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like). Wherein the point (or miles) provider may be omitted if the financial institution in accordance with the intent and purpose.

In addition, the point (or mileage) provider information is preferably made by the exchange rate information for the exchange, if the point (or mileage) provided by the point (or mileage) provider is exchanged for cash. .

The point (or mileage) agreement information is used in using the point (or mileage) provided by the point (or mileage) provider in order to use the point (or mileage) held by the customer as the communication fee of the customer It is preferable that the agreement information is included.

The customer information includes personal information of the customer (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who has written the point (or mileage) application, and member information of the customer (eg, Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

Figure 4 is a point (or mileage) accumulated in response to the financial institution transaction results in accordance with another embodiment of the present invention stored in the DBMS provided in the banking server in a face-to-face manner in order to link the communication fee payment account (or Mileage) is a diagram showing the configuration of the application information.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 170 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of constructing information on point (or mileage) use application information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 4, a predetermined DBMS provided in the banking server includes customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) included in the point (or mileage) use application information. Mileage) the use agreement information, the customer information of the communication charges present (or payment) is characterized in that the processing by storing.

The customer information subject to the communication fee present (or payment) includes personal information (eg, name, resident registration number, address, etc.) of the customer to whom the customer who has written the point (or mileage) application for which he / she wishes to present (or pay) the communication fee , A telephone number, a mobile phone number, an e-mail address, and the like, and the member information of the customer (e.g., the financial system associated with the information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the above is preferably included.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The point (or mileage) provider information is the point (or mileage) of the point (or mileage) provider that pays the point (or mileage) generated in the process of using the various services by the customer, the point (or mileage) contracted with the financial institution Institution information about the provider (e.g., organization name, corporation registration number, business registration number, address, telephone number, e-mail address, etc.) and member information of the point (or mileage) provider (for example, the point (or Mileage), the member ID information provided in the customer ledger provided on the financial system linked with the information registration system in response to the point (or mileage) providing institution by signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like). Wherein the point (or miles) provider may be omitted if the financial institution in accordance with the intent and purpose.

In addition, the point (or mileage) provider information is preferably made by the exchange rate information for the exchange, if the point (or mileage) provided by the point (or mileage) provider is exchanged for cash. .

The point (or mileage) agreement information is used in using the point (or mileage) provided by the point (or mileage) provider in order to use the point (or mileage) held by the customer as the communication fee of the customer It is preferable that the agreement information is included.

The customer information includes personal information of the customer (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who has written the point (or mileage) application, and member information of the customer (eg, Member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

5A and 5B illustrate a process of registering point (or mileage) use application information in a face-to-face manner according to one embodiment of the present invention.

5A and 5B show the information registration terminal 180 on the information registration system shown in FIG. 1 as a window terminal 175 provided at a financial institution branch (or a branch), and the information registration server 100. ) Has a ledger server (not shown) function in the financial system associated with the teller terminal 175 through a predetermined financial network, a point (or mileage) accumulated by a given customer in response to the financial institution's transaction performance. ) At least one of customer information, telecommunication billing account information, point (or mileage) provider information, points (or mileage) agreement information, telecommunications futures (or payment) customer information to link the telecommunication fee payment account After completing and submitting a point (or mileage) use application including the above, the point (or mileage) using the image through the predetermined image acquisition device at a predetermined window terminal 175 Acquiring predetermined image content corresponding to the document, and using the point (or mileage) application information and the point (or mileage) corresponding to the point (or mileage) application using the information registration system through a predetermined information registration interface. When the image content obtained from the application is provided, a predetermined point (or mileage) use request electronic document including the image content is generated and stored in a predetermined electronic document storage, and the point (or mileage) use information is applied to. The predetermined storage medium 170 may be processed by linking the included customer information, communication fee payment account information, point (or mileage) provider information, point (or mileage) usage agreement information, and communication target customer information. To a method for storing the same, specifically, to the counter terminal 175 After obtaining a predetermined image content corresponding to the point (or mileage) use application through a predetermined image acquisition device and transmitting it to the information registration server 100, a point corresponding to the point (or mileage) use application ( Or mileage) shows an implementation method of inputting (or selecting) application information to be transmitted to the information registration server 100.

Those skilled in the art to which the present invention pertains use the points (or mileage) from the terminal 175 to the information registration server 100 by referring to and / or modifying the drawings 5a and 5b. Various implementation methods for registering the application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, in the implementation method shown in FIGS. 5A and 5B, the window terminal 175 acquires predetermined image contents corresponding to the point (or mileage) application through a predetermined image acquisition device, and / or Although the user interface for inputting (or selecting) point (or mileage) use application information corresponding to the point (or mileage) use application is illustrated as being provided from the information registration server 100, the counter terminal 175 In the case where a predetermined information registration program is provided, the user interface may not be provided from the information registration server 100, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information transmitted from the counter terminal 175 to the information registration server 100, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) agreement information, the communication fee present (or payment) ) The target customer information is called "point (or mileage) use application information" for convenience.

Referring to FIGS. 5A and 5B, a customer's information, a communication fee payment account information, and a point (or mileage) may be used to link a point (or mileage) accumulated in response to a financial institution's transaction performance with a communication fee payment account. If you fill out and submit an application for using a point (or mileage) that includes at least one provider information, point (or mileage) agreement information, and customer information for a communication fee present (or payment), the counter terminal shown in FIG. In step 175, a point (or mileage) accumulated in correspondence with a financial institution transaction result corresponding to the point (or mileage) application for use is connected to the server through a predetermined financial network and connected to a predetermined communication channel. If a user interface request for linking with a communication fee payment account is requested (500), the server correspondingly requests a predetermined image from the terminal. Generate (or extract) a user interface for acquiring a predetermined image content corresponding to the point (or mileage) use application written by the customer through an acquisition device and transmitting it to the server (505), and through the financial network, The generated (or extracted) user interface is transmitted to the terminal and output (510).

Thereafter, the terminal acquires image content corresponding to the point (or mileage) use application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the point (or mileage) use application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server provides customer information corresponding to the point (or mileage) use application matched with the image contents, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage agreement information, and communication fee. Generate (or extract) a user interface for inputting (or selecting) point (or mileage) usage request information including at least one gift (or payment) target customer information to the server (530), and the financial The generated (or extracted) user interface is transmitted to the terminal and output through the network (535).

Thereafter, the terminal includes at least the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) usage agreement information, and the communication fee present (or payment) target customer information through the user interface. Input (or select) one or more points (or mileage) use application information that includes one or more (540).

If the user interface includes at least one or more of the customer information, communication fee payment account information, point (or mileage) provider information, point (or mileage) usage agreement information, communication information (or payment) target customer information When the point (or mileage) use application information is input (or selected) (545), the terminal transmits the input (or mileage) use application information to the server through the financial network (550) ).

Thereafter, the server includes at least the customer information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, and the communication fee present (or payment) customer information through the financial network. The validity of the point (or mileage) use application information is confirmed by receiving and reading the point (or mileage) use application information including one or more (555).

According to an embodiment of the present invention, the validity of the point (or mileage) use application information and the point (or mileage) use application information to the ledger D / B (200) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 125 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the point (or mileage) use application information is associated with the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B (200).

In addition, the validity of the point (or mileage) use application information, the information contained in the point (or mileage) use application information, the communication fee payment account information is the ledger on the financial system associated with the information registration system It is preferable to include a check that matches the account ledger stored in the D / B (200).

If the validity of the point (or mileage) use request information is not authenticated (560), the server generates predetermined information registration error information and transmits it to the terminal (565), and the point (or mileage) use request Do not perform the information registration procedure corresponding to the information.

On the contrary, if the validity of the point (or mileage) use request information is authenticated (560), the server generates a predetermined point (or mileage) use request electronic document including the image content (570).

According to an exemplary embodiment of the present invention, the server accumulates an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it corresponds to the financial institution transaction performance. It is preferable to process the points (or mileage) to the electronic application for use of the points (or mileage) for linking with the communication bill payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) It is preferable to generate a point (or mileage) use request electronic document for linking the points (or mileage) accumulated in response to the financial institution transaction results in the image file corresponding to the image content with the communication fee payment account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT). It is preferable to generate a point (or mileage) request application electronic document for linking the points (or mileage) with the communication bill payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) A word that generates image content and includes at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. Points accumulated in response to the financial institution transaction results by generating a processor file, or a web document file including MHT) It is desirable to generate an electronic document for using points (or miles) for linking (or mileage) with a communication bill payment account.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 180 and the point (or mileage) received through the information receiving unit 115 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the application information, or an MHT. By generating a web document file, etc.), it is preferable to generate a point (or mileage) use application electronic document for linking the points (or mileage) accumulated in correspondence with the financial institution transaction results and the communication fee payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) that generates image content and includes the generated image content and the point (or mileage) application information; / DOC, or a word processor file including at least one, or a web document file including the MHT, etc.) Points earned in response to the financial institutions trading performance (or miles) points for communication charges associated with payment accounts (or miles) it is preferable to use application created for electronic documents.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point (or mileage) use request electronic document in an image file format and / or a predetermined document file format, and the point (or Mileage) Since you will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic application for use, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point (or mileage) use application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated point (or mileage) use application electronic document to the electronic document server 145 through the communication means and stores in the electronic document D / B (165). Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the information registration system, the server stores the generated point (or mileage) use request electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 165 corresponding to the present invention, by which the present invention is not limited.

According to the method of the present invention, storing the point (or mileage) use application electronic document in the electronic document storage, the process of linking the generated point (or mileage) use application electronic document and predetermined electronic document management information In this case, it is preferable to include the information stored in the electronic document D / B 165 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point (or mileage) use application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point (or mileage) use request electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (eg, customer information for which a point (or mileage) use application form corresponding to the image content is transmitted, and / or the point (or mileage) use application electronic document. Financial institution information, and / or electronic document file format information, and / or the point (or mileage) application information).

If the point (or mileage) use request electronic document is stored in the electronic document storage (580), the server includes the customer information, communication fee payment account information, points ( Or mileage) providing agency information, point (or mileage) usage agreement information, and communication target customer information subject to payment (or payment), and storing them in a predetermined storage medium 170 (585), and predetermined information registration history information. (Eg, a history of storing the point (or mileage) use request electronic document in the electronic document storage and / or a history of storing the point (or mileage) use application information in the storage medium 170) ( Or extract) and transmits to the terminal (590).

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 170 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 170 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering point (or mileage) use application information in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show a window terminal 175 in which an information registration terminal 180 on the information registration system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the information registration server 100 is shown in FIG. ) Has a ledger server (not shown) function in the financial system associated with the teller terminal 175 through a predetermined financial network, a point (or mileage) accumulated by a given customer in response to the financial institution's transaction performance. ) At least one of customer information, telecommunication billing account information, point (or mileage) provider information, points (or mileage) agreement information, telecommunications futures (or payment) customer information to link the telecommunication fee payment account After completing and submitting a point (or mileage) use application including the above, the point (or mileage) using the image through the predetermined image acquisition device at a predetermined window terminal 175 Acquiring predetermined image content corresponding to the document, and using the point (or mileage) application information and the point (or mileage) corresponding to the point (or mileage) application using the information registration system through a predetermined information registration interface. When the image content obtained from the application is provided, a predetermined point (or mileage) use request electronic document including the image content is generated and stored in a predetermined electronic document storage, and the point (or mileage) use information is applied to. The predetermined storage medium 170 may be processed by linking the included customer information, communication fee payment account information, point (or mileage) provider information, point (or mileage) usage agreement information, and communication target customer information. To a method for storing the same, specifically, to the counter terminal 175 After inputting (or selecting) point (or mileage) use application information corresponding to the point (or mileage) application form, and transmitting the information to the information registration server 100, the point (or mileage through a predetermined image acquisition device) ) Shows a method of obtaining a predetermined image content corresponding to the application for use and transmitting it to the information registration server 100.

Those skilled in the art to which the present invention pertains may use the points (or mileage) from the terminal 175 to the information registration server 100 by referring to and / or modifying the drawings 6a and 6b. Various implementation methods for registering application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, in the implementation method shown in FIGS. 6A and 6B, the counter terminal 175 acquires predetermined image contents corresponding to the point (or mileage) application through a predetermined image acquisition device, and / or Although the user interface for inputting (or selecting) point (or mileage) use application information corresponding to the point (or mileage) use application is illustrated as being provided from the information registration server 100, the counter terminal 175 In the case where a predetermined information registration program is provided, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal 175 shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information transmitted from the counter terminal 175 to the information registration server 100, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) agreement information, the communication fee present (or payment) ) The target customer information is called "point (or mileage) use application information" for convenience.

Referring to FIGS. 6A and 6B, in order for a given customer to associate points (or mileage) accumulated in response to financial institution transaction performance with a communication charge settlement account, customer information, communication charge settlement account information, points (or mileage) If you fill out and submit an application for using a point (or mileage) that includes at least one provider information, point (or mileage) agreement information, and customer information for a communication fee present (or payment), the counter terminal shown in FIG. In step 175, a point (or mileage) accumulated in correspondence with a financial institution transaction result corresponding to the point (or mileage) application for use is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for linking with a communication bill payment account (600), the server corresponding to the point created by the customer ( Or mileages) includes at least one customer information corresponding to the application form, communication billing account information, point (or mileage) provider information, points (or mileage) agreement information, customer information for communication charges (or payment) Generate (or extract) a user interface for inputting (or selecting) point (or mileage) application information to be transmitted to the server (605), and generate the user interface generated (or extracted) through the financial network. The data is transmitted to the terminal and output (610).

Thereafter, the terminal includes at least the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) usage agreement information, and the communication fee present (or payment) target customer information through the user interface. Input (or select) the point (or mileage) use application information that includes one or more (615).

If the user interface includes at least one or more of the customer information, communication fee payment account information, point (or mileage) provider information, point (or mileage) usage agreement information, communication information (or payment) target customer information When the point (or mileage) use application information is input (or selected) (620), the terminal transmits the input (or mileage) use application information to the server through the financial network (625) ).

Thereafter, the server includes at least the customer information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, and the communication fee present (or payment) customer information through the financial network. Receiving and reading the point (or mileage) use application information including one or more to check the validity of the point (or mileage) use application information (630).

According to an embodiment of the present invention, the validity of the point (or mileage) use application information and the point (or mileage) use application information to the ledger D / B (200) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 125 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the point (or mileage) use application information is associated with the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B (200).

In addition, the validity of the point (or mileage) use application information, the information contained in the point (or mileage) use application information, the communication fee payment account information is the ledger on the financial system associated with the information registration system It is preferable to include a check that matches the account ledger stored in the D / B (200).

If the validity of the point (or mileage) use application information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and the point (or mileage) use application Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the point (or mileage) use application information is authenticated (635), the server is a predetermined image corresponding to the point (or mileage) use application written by the customer through a predetermined image acquisition device in the terminal A user interface for acquiring and transmitting content to the server is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the point (or mileage) use application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the point (or mileage) use application is obtained through the image obtaining apparatus (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the point (or mileage) use request information and the image content from the terminal generates a predetermined point (or mileage) use request electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server accumulates an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it corresponds to the financial institution transaction performance. It is preferable to process the points (or mileage) to the electronic application for use of the points (or mileage) for linking with the communication bill payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) It is preferable to generate a point (or mileage) use request electronic document for linking the points (or mileage) accumulated in response to the financial institution transaction results in the image file corresponding to the image content with the communication fee payment account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT). It is preferable to generate a point (or mileage) request application electronic document for linking the points (or mileage) with the communication bill payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) A word that generates image content and includes at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. Points accumulated in response to the financial institution transaction results by generating a processor file, or a web document file including MHT) It is desirable to generate an electronic document for using points (or miles) for linking (or mileage) with a communication bill payment account.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 180 and the point (or mileage) received through the information receiving unit 115 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the application information, or an MHT. By generating a web document file, etc.), it is preferable to generate a point (or mileage) use application electronic document for linking the points (or mileage) accumulated in correspondence with the financial institution transaction results and the communication fee payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) that generates image content and includes the generated image content and the point (or mileage) application information; / DOC, or a word processor file including at least one, or a web document file including the MHT, etc.) Points earned in response to the financial institutions trading performance (or miles) points for communication charges associated with payment accounts (or miles) it is preferable to use application created for electronic documents.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point (or mileage) use request electronic document in an image file format and / or a predetermined document file format, and the point (or Mileage) Since you will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic application for use, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point (or mileage) usage request electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated point (or mileage) use application electronic document to the electronic document server 145 through the communication means and stores in the electronic document D / B (165). Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the information registration system, the server stores the generated point (or mileage) use request electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 165 corresponding to the present invention, by which the present invention is not limited.

According to the method of the present invention, storing the point (or mileage) use application electronic document in the electronic document storage, the process of linking the generated point (or mileage) use application electronic document and predetermined electronic document management information In this case, it is preferable to include the information stored in the electronic document D / B 165 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point (or mileage) use application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point (or mileage) use request electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (eg, customer information for which a point (or mileage) use application form corresponding to the image content is transmitted, and / or the point (or mileage) use application electronic document. Financial institution information, and / or electronic document file format information, and / or the point (or mileage) application information).

If the point (or mileage) use request electronic document is stored in the electronic document storage (680), the server includes the customer information, communication fee payment account information, points ( Or mileage) providing agency information, point (or mileage) use agreement information, and communication target customer information subject to payment (or payment) to be stored in a predetermined storage medium 170 (685), and predetermined information registration history information. (Eg, a history of storing the point (or mileage) use request electronic document in the electronic document storage and / or a history of storing the point (or mileage) use application information in the storage medium 170) ( Or extract) and transmit it to the terminal (690).

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 170 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 170 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering point (or mileage) use application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals 175 in which an information registration terminal 180 on the information registration system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the information registration server 100. ) Has a ledger server (not shown) function in the financial system associated with the teller terminal 175 through a predetermined financial network, a point (or mileage) accumulated by a given customer in response to the financial institution's transaction performance. ) At least one of customer information, telecommunication billing account information, point (or mileage) provider information, points (or mileage) agreement information, telecommunications futures (or payment) customer information to link the telecommunication fee payment account After completing and submitting a point (or mileage) use application including the above, the point (or mileage) using the image through the predetermined image acquisition device at a predetermined window terminal 175 Acquiring predetermined image content corresponding to the document, and using the point (or mileage) application information and the point (or mileage) corresponding to the point (or mileage) application using the information registration system through a predetermined information registration interface. When the image content obtained from the application is provided, a predetermined point (or mileage) use request electronic document including the image content is generated and stored in a predetermined electronic document storage, and the point (or mileage) use information is applied to. The predetermined storage medium 170 may be processed by linking the included customer information, communication fee payment account information, point (or mileage) provider information, point (or mileage) usage agreement information, and communication target customer information. To a method for storing the same, specifically, to the counter terminal 175 Acquires predetermined image contents corresponding to the point (or mileage) use application through a predetermined image acquisition device, and inputs (or selects) point (or mileage) use application information corresponding to the point (or mileage) use application. Shows an implementation method of transmitting to the information registration server 100).

Those skilled in the art to which the present invention pertains may use the points (or mileage) from the terminal 175 to the information registration server 100 by referring to and / or modifying the drawings 7a and 7b. Various implementation methods for registering application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the counter terminal 175 acquires predetermined image contents corresponding to the point (or mileage) application through a predetermined image acquisition device, and / or Although the user interface for inputting (or selecting) point (or mileage) use application information corresponding to the point (or mileage) use application is illustrated as being provided from the information registration server 100, the counter terminal 175 In the case where a predetermined information registration program is provided, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIG. 7A and FIG. 7B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information transmitted from the counter terminal 175 to the information registration server 100, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) agreement information, the communication fee present (or payment) ) The target customer information is called "point (or mileage) use application information" for convenience.

Referring to FIGS. 7A and 7B, a customer's information, a communication fee payment account information, and a point (or mileage) may be used for a predetermined customer to associate points (or mileage) accumulated in response to financial institution transaction performance with a communication fee payment account. If you fill out and submit an application for using a point (or mileage) that includes at least one provider information, point (or mileage) agreement information, and customer information for a communication fee present (or payment), the counter terminal shown in FIG. In step 175, a point (or mileage) accumulated in correspondence with a financial institution transaction result corresponding to the point (or mileage) application for use is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for linking with a communication bill payment account (700), the server correspondingly to the customer in the terminal Input (or select) point (or mileage) use application information corresponding to the created point (or mileage) use application, and use predetermined image acquisition apparatus to obtain predetermined image content corresponding to the point (or mileage) use application. A user interface for obtaining and transmitting to the server is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal for output through the financial network (710).

Thereafter, the terminal includes at least the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) usage agreement information, and the communication fee present (or payment) target customer information through the user interface. Input (or select) one or more points (or mileage) use application information including one or more (715).

If the user interface includes at least one or more of the customer information, communication fee payment account information, point (or mileage) provider information, point (or mileage) usage agreement information, communication information (or payment) target customer information When the point (or mileage) use application information is input (or selected) (720), the terminal acquires the image content corresponding to the point (or mileage) use application through a predetermined image acquisition device based on the user interface (725).

If image content corresponding to the point (or mileage) use application is obtained through the image acquisition device (730), the terminal transmits the point (or mileage) use application information and image content through the financial network to the server. 735 is transmitted.

Thereafter, the server includes at least the customer information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, and the communication fee present (or payment) customer information through the financial network. Receiving and reading the point (or mileage) usage application information including one or more to check the validity of the point (or mileage) usage application information (740).

According to an embodiment of the present invention, the validity of the point (or mileage) use application information and the point (or mileage) use application information to the ledger D / B (200) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 125 may include a ledger on a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the point (or mileage) use application information is associated with the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B (200).

In addition, the validity of the point (or mileage) use application information, the information contained in the point (or mileage) use application information, the communication fee payment account information is the ledger on the financial system associated with the information registration system It is preferable to include a check that matches the account ledger stored in the D / B (200).

If the validity of the point (or mileage) application information is not authenticated (745), the server generates predetermined information registration error information and transmits it to the terminal (750), and the point (or mileage) application for use Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the point (or mileage) application information is authenticated (745), the server generates a predetermined point (or mileage) application electronic document containing the image content (755).

According to an exemplary embodiment of the present invention, the server accumulates an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 as it corresponds to the financial institution transaction performance. It is preferable to process the points (or mileage) to the electronic application for use of the points (or mileage) for linking with the communication bill payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) It is preferable to generate a point (or mileage) use request electronic document for linking the points (or mileage) accumulated in response to the financial institution transaction results in the image file corresponding to the image content with the communication fee payment account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT). It is preferable to generate a point (or mileage) request application electronic document for linking the points (or mileage) with the communication bill payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) A word that generates image content and includes at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. Points accumulated in response to the financial institution transaction results by generating a processor file, or a web document file including MHT) It is desirable to generate an electronic document for using points (or miles) for linking (or mileage) with a communication bill payment account.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 180 and the point (or mileage) received through the information receiving unit 115 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the application information, or an MHT. By generating a web document file, etc.), it is preferable to generate a point (or mileage) use application electronic document for linking the points (or mileage) accumulated in correspondence with the financial institution transaction results and the communication fee payment account.

Alternatively, the server may include the customer information included in the point (or mileage) use request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Watermarking method, including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information for the communication fee futures (or payment) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) that generates image content and includes the generated image content and the point (or mileage) application information; / DOC, or a word processor file including at least one, or a web document file including the MHT, etc.) Points earned in response to the financial institutions trading performance (or miles) points for communication charges associated with payment accounts (or miles) it is preferable to use application created for electronic documents.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point (or mileage) use request electronic document in an image file format and / or a predetermined document file format, and the point (or Mileage) Since you will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic application for use, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point (or mileage) use request electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated point (or mileage) use application electronic document to the electronic document server 145 through the communication means and stores in the electronic document D / B (165). Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the information registration system, the server stores the generated point (or mileage) use request electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 165 corresponding to the present invention, by which the present invention is not limited.

According to the method of the present invention, storing the point (or mileage) use application electronic document in the electronic document storage, the process of linking the generated point (or mileage) use application electronic document and predetermined electronic document management information In this case, it is preferable to include the information stored in the electronic document D / B 165 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point (or mileage) use application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point (or mileage) use request electronic document.

In addition, the electronic document management information transmits predetermined electronic document-related information (eg, customer information for which a point (or mileage) use application form corresponding to the image content is transmitted, and / or the point (or mileage) use application electronic document. Financial institution information, and / or electronic document file format information, and / or the point (or mileage) application information).

If the point (or mileage) use request electronic document is stored in the electronic document storage (765), the server includes the customer information, communication fee billing account information, points ( Or mileage) providing agency information, point (or mileage) use agreement information, and communication charges (or payment) target customer information is stored in a predetermined storage medium 170 (770), predetermined information registration history information (Eg, a history of storing the point (or mileage) use request electronic document in the electronic document storage and / or a history of storing the point (or mileage) use application information in the storage medium 170) ( Or extract) and transmits to the terminal (775).

According to one embodiment of the invention, the storage medium 170 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 170 may be a ledger D / B 200 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 170 is provided on (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face information registration system for linking points (or mileage) accumulated in correspondence with financial institution transaction results according to another embodiment of the present invention with a communication fee payment account.

In more detail, Figure 8 shows a predetermined information through a predetermined information registration interface to the customer information, communication to the point (or mileage) accumulated in response to the financial institution transaction results in connection with the communication fee payment account through a predetermined information registration interface Providing point (or mileage) application information that includes at least one of billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information for communication charges futures (or payment) In the information registration system, a predetermined point (or mileage) use request electronic document including the provided point (or mileage) use request information is generated and stored in a predetermined electronic document storage, and the point (or mileage) use request The customer information, communication bill payment account information, points (or mileage) included in the information It is a system configuration for linking and processing public institution information, point (or mileage) usage consent information, and customer information for a communication fee present (or payment) to a predetermined storage medium 865. It relates to an implementation method provided on an external system associated with the information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to register information for linking points (or mileages) accumulated in response to financial institution transaction results with a communication fee payment account. Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the information registration system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the point (or mileage) usage request electronic document is illustrated as being generated on the server side on the information registration system, but the present invention is not limited thereto. The point (or mileage) use request electronic document may be generated on the terminal side which inputs (or selects) the point (or mileage) use request information and transmits it (for example, the electronic document generation function provided on the server side is provided). Provided at the terminal side to generate the point (or mileage) use application electronic document), whereby the present invention is not limited.

Hereinafter, by receiving the point (or mileage) use application information from the customer through a predetermined information registration interface on the information registration system shown in FIG. 8, a predetermined point (or mileage) use request electronic document is generated and A component corresponding to at least one or more means and / or functional configurations for storing in the electronic document storage and storing the point (or mileage) use application information in a predetermined storage medium 865 is referred to as "information registration server 800". "

Referring to FIG. 8 according to an embodiment of the present invention, an information registration system for linking a point (or mileage) accumulated in correspondence with the financial institution transaction results to a communication fee payment account includes a wired terminal used by a customer and / or Or an information registration terminal 870 including at least one client terminal or the like including at least one wireless terminal, and the information registration terminal 870 registers the information through a predetermined network means. The communication channel is connected to the information registration server 800 provided on the system.

According to an embodiment of the present invention, the customer accesses the information registration server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Through the at least one user interface provided by the information registration server 800, the points (or mileage) accumulated in correspondence with the financial institution transaction performance is used to connect the point (or mileage) application information for linking with the communication fee payment account. If input (or selected), it is preferable to transmit from the client terminal to the information registration server 800 provided on the information registration system 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 transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the information registration server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 800 is a CDMA based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x based, depending on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 800, and inputs and / or selects at least one or more information through the user interface to the information registration server 800. 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 information registration server 800, etc.) is provided.

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

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the information registration server 800 and And / or the wireless communication network has a function of an information registration interface for registering the points (or mileage) use application information for the customer to associate the points (or mileage) accumulated in response to the financial institution transaction results with the communication fee payment account. To perform.

According to another exemplary embodiment of the present invention, the information registration terminal 870 is an automatic teller machine (ATM), a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal 870 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown) and the information registration server. The financial network connecting 800 registers information for registering the point (or mileage) use application information for the customer to associate the points (or mileage) accumulated in response to the financial institution transaction performance with the communication fee payment account. And / or when the information registration terminal 870 is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown), and the information registration server 800. Wired network and / or wireless telephone network to connect the points (or mileage) accumulated by the customer in response to the financial institution's transaction performance with the telecommunication payment account. Perform a function of an information registration interface for registering point (or mileage) use application information, and / or a terminal (and / or server) provided in an institution in which the information registration terminal 870 is affiliated with the financial institution ( (Not shown), a network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server 800 may be provided by the customer. It performs a function of an information registration interface for registering the points (or mileage) use application information for linking the points (or mileage) accumulated in response to the transaction results with the communication fee payment account.

The storage medium 865 provided on the information registration system according to the present invention includes the customer information included in the point (or mileage) application information provided from the information registration terminal 870, communication bill payment account information, Point (or mileage) providing agency information, point (or mileage) usage agreement information, communication fee present (or payment) target customer information is characterized in that it is stored in a predetermined storage medium 865.

The customer information subject to the communication fee present (or payment) includes personal information (eg, the name, resident registration number, address, and the like) of the customer who requests the use of the point (or mileage) to present (or pay) the communication fee. A telephone number, a mobile phone number, an e-mail address, and the like, and member information of the customer (e.g., when the customer subscribes as a financial transaction customer of the financial institution) in response to the customer; At least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided in the.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The point (or mileage) provider information is the point (or mileage) of the point (or mileage) provider that pays the point (or mileage) generated in the process of using the various services by the customer, the point (or mileage) contracted with the financial institution Institution information about the provider (e.g., organization name, corporation registration number, business registration number, address, telephone number, e-mail address, etc.) and member information of the point (or mileage) provider (for example, the point (or Mileage), the member ID information provided in the customer ledger provided on the financial system linked with the information registration system in response to the point (or mileage) providing institution by signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like). Wherein the point (or miles) provider may be omitted if the financial institution in accordance with the intent and purpose.

In addition, the point (or mileage) provider information is preferably made by the exchange rate information for the exchange, if the point (or mileage) provided by the point (or mileage) provider is exchanged for cash. .

The point (or mileage) agreement information is used in using the point (or mileage) provided by the point (or mileage) provider in order to use the point (or mileage) held by the customer as the communication fee of the customer It is preferable that the agreement information is included.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one of member ID information, CIF (Customer Information File) number, etc., which are provided in the customer ledger provided on the financial system associated with the information registration system, in response to the customer. It is preferable.

According to one embodiment of the invention, the storage medium 865 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 865 may be a ledger D / B 900 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 900, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 865 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the information registration system according to the present invention is a generic term for the information registration system side components connected to the information registration terminal 870 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 800 is the wireless banking Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 800 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 870 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 805 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a financial automatic device connected to a predetermined financial network, the interface unit 805 is 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 with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is 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) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 800, the interface unit 805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 8, when the predetermined information registration terminal 870 connects a predetermined communication channel with the information registration server 800 through the interface unit 805, the financial information is provided. The information registration terminal 870 inputs (or selects) predetermined point (or mileage) use application information from the information registration terminal 870 in order to link the accumulated points (or mileage) with the communication fee payment account. Generating (or extracting) at least one user interface for transmitting to the server 800, and providing the generated (or extracting) user interface to the information registration terminal 870 in association with the interface unit 805. The interface providing unit 810 and the information registration terminal 870 input (or select) the point (or mileage) use application information through the user interface and transmit the same. Surface, characterized in that made in conjunction with the interface unit 805 having a the points (or miles) information receiver 815 for receiving a use application information transmitted from the information registering terminal 870.

The interface providing unit 810 connects a predetermined communication channel with the information registration server 800 through the interface registration unit 805, and then the information registration server 800 to the information registration server 800. When requesting a user interface for linking points (or mileages) accumulated in correspondence with financial institution transaction results with a communication fee payment account, the information registration terminal 870 inputs application information for using predetermined points (or mileages) ( Or) generate at least one or more user interfaces to be transmitted to the information registration server 800 via the network means, and / or extract from a predetermined database (not shown), and interwork with the interface unit 805. It is characterized in that for providing the generated (or extracted) user interface to the information registration terminal 870 via the network means.

According to an embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and And / or 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 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

According to another embodiment of the present invention, at least a predetermined point (or mileage) use application information is input (or selected) to the information registration terminal 870 and transmitted to the information registration server 800 through the network means. When a predetermined information registration program having one or more user interfaces is provided, a user interface for inputting (or selecting) predetermined point (or mileage) use application information as described above and transmitting it to the information registration server 800. The interface providing unit 810 for generating (or extracting) and providing the information registration terminal 870 may be omitted, and the present invention is not limited thereto.

Then, the information registration terminal 870 through the user interface, the customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage consent information, communication fee gift (or payment) Input (or select) point (or mileage) use application information including at least one or more target customer information, and transmit the input (or selected) point (or mileage) use application information to the information registration server through the network means. In response to the request, the information receiving unit 815 receives the point (or mileage) use request information transmitted from the information registration terminal 870 in association with the interface unit 805. It is done.

According to the implementation method of the present invention, the information registration terminal 870 is the customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage consent information, communication fee gift (or payment) A predetermined password and / or security for verifying the validity of the point (or mileage) use application information in the information registration server 800 in the point (or mileage) use application information including at least one target customer information; At least one or more card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the information registration server 800 through the network means.

According to the implementation method of the present invention, the information registration terminal 870 is the customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage consent information, communication fee gift (or payment) ) At least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method) that includes at least one point (or mileage) use request information including at least one target customer information. , And / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the point (or mileage) use application information and transmit it to the information registration server 800 through the network means. Preferably, for this purpose, the information registration terminal 870 uses at least one encryption key corresponding to the encryption scheme. The IC chip (or IC card) is provided, and / or is provided with a predetermined public certificate including at least one encryption key, and / or when the public certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader for confirming the certificate provided in the) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the point (or mileage) application information, and a predetermined electronic signature in the point (or mileage) application information. Since it will be familiar with the technical features to be attached, the detailed description thereof will be omitted for convenience.

Referring to FIG. 8, the information registration server 800 receives the point (or mileage) usage request information transmitted from the information registration terminal 870 through the information receiving unit 815, and receives the received point ( Or mileage) application information is provided with a validity check unit 820 for checking whether the points (or mileage) accumulated in correspondence with the financial institution transaction performance satisfies the validity for the communication fee payment account do.

According to an embodiment of the present invention, the point (or mileage) application information is at least one encryption method (eg, symmetric key based encryption and / or public key based encryption, and / or electronic envelope based encryption, And / or a key exchange based encryption scheme, etc., the validity checker 820 may convert the encrypted point (or mileage) request information to at least one decryption scheme (eg, symmetric) corresponding to the encryption scheme. Key-based decryption scheme, and / or public key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, and the like. It is desirable to authenticate validity.

Alternatively, when a predetermined electronic signature is attached to the point (or mileage) use application information, the validity verification unit 820 checks the electronic signature attached to the point (or mileage) use application information, thereby receiving the received It is desirable to verify the validity of the point (or mileage) redemption information.

Those skilled in the art to which the present invention pertains include technical features of various decryption schemes for decrypting the encrypted point (or mileage) application information, and attached to the point (or mileage) application information. Since you will be familiar with the technical features of verifying the digital signature, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a predetermined password for confirming the validity of the point (or mileage) use application information is further included in the point (or mileage) use application information received through the information receiving unit 815. In this case, the validity checker 820 compares and authenticates the password included in the point (or mileage) use request information with the password provided corresponding to the customer on the DBMS, thereby verifying the received point (or mileage). It is desirable to verify the validity of the application information.

Alternatively, when the point (or mileage) use application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the point (or mileage) use application information. The validity checker 820 compares and authenticates the security card information included in the point (or mileage) use application information and the security card information provided corresponding to the customer on the DBMS, thereby verifying the received point (or It is desirable to verify the validity of the application information.

Alternatively, when the point (or mileage) use request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the point (or mileage) use request information, the validity The verification unit 820 compares and authenticates an OTP code included in the point (or mileage) use application information and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. Preferably, the validity of the received point (or mileage) application information is authenticated.

According to the method of the present invention, the validity check of the point (or mileage) use application information and the point (or mileage) use application information to the ledger D / B (900) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 820 may be a ledger on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point (or mileage) use application information is linked to the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B (900).

In addition, the validity of the point (or mileage) use application information, the information contained in the point (or mileage) use application information, the communication fee payment account information is the ledger on the financial system associated with the information registration system It is preferably made to include matching with the account ledger stored in the D / B (900).

Referring to FIG. 8, when the validity of the point (or mileage) use request information is authenticated through the validity checker 820, the information registration server 800 receives the received point (or mileage) use request information. An electronic document generation unit 825 for generating a predetermined point (or mileage) use application electronic document including a; and the generated point (or mileage) use application electronic document to the electronic document repository associated with the information registration system. It characterized by comprising an electronic document transmission unit 830 for transmitting.

The electronic document generating unit 825 generates a point (or mileage) use request electronic document including the point (or mileage) use request information received from the information registration terminal 870 through the information receiving unit 815. Characterized in that.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, communication charge payment account information, and points (or mileage) included in the point (or mileage) use application information received through the information receiving unit 815. Or document content including at least one or more mileage) providing agency information, point (or mileage) use agreement information, and customer information for a communication fee present (or payment), and a document file (eg, PDF) containing the document content. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is advisable to process the accumulated points (or mileage) as an electronic application for use of points (or mileage) for linking with a billing account. .

Alternatively, the electronic document generation unit 825 may include customer information included in the point (or mileage) use request information received through the information receiving unit 815, communication fee payment account information, point (or mileage) providing agency information, Generating document content including at least one point (or mileage) use agreement information, customer information for a communication charge present (or payment), and customer information included in the point (or mileage) use request information in the document content; After including at least one or more information of the billing account information, the point (or mileage) provider information, the point (or mileage) agreement information, and the customer information for the communication fee futures (or payment), by watermarking method, A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data In) file containing document content including the watermarking. terchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like (points or miles) accumulated in correspondence with the financial institution's transaction performance. It is preferable to process the points (or mileage) use request electronic document for linkage with the company.

Alternatively, the electronic document generation unit 825 may include customer information included in the point (or mileage) use request information received through the information receiving unit 815, communication fee payment account information, point (or mileage) providing agency information, Image content (eg, the document content is generated) that generates document content including at least one or more points (or mileage) usage agreement information and customer information for a communication fee present (or payment), and captures the document content. Image files, including image content generated by capturing images on the digital screen, are processed as points (or mileage) use request electronic documents for linking with points (or mileage) accumulated in correspondence with the financial institution transaction results. It is preferable.

Alternatively, the electronic document generation unit 825 may include customer information included in the point (or mileage) use request information received through the information receiving unit 815, communication fee payment account information, point (or mileage) providing agency information, Image content (eg, the document content is generated) that generates document content including at least one or more points (or mileage) usage agreement information and customer information for a communication fee present (or payment), and captures the document content. Customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage consent information, communication fee included in the point (or mileage) use application information After the watermarking method includes at least one or more information of the customer information for the gift (or payment), the water It is preferable to process an image file including the image contents including markings in accordance with the financial institution's transaction performance as points (or mileage) application request electronic documents for linking with the communication fee payment account. Do.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, communication fee payment account information, and points included in the point (or mileage) use application information received through the information receiving unit 815. (Or mileage) image content generated by generating document content including at least one or more information, such as agency information, point (or mileage) usage agreement information, customer information for communication charges (or payment), and captures the document content At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including (e.g., image content generated by capturing the document content on a memory). By generating at least one word processor file or a web document file including MHT). The granulated points (or miles) points for communication charges associated with payment accounts (or miles) it is preferable to use application that processes electronic documents.

Alternatively, the electronic document generation unit 825 may include customer information included in the point (or mileage) use request information received through the information receiving unit 815, communication fee payment account information, point (or mileage) providing agency information, Image content (eg, the document content is generated) that generates document content including at least one or more points (or mileage) usage agreement information and customer information for a communication fee present (or payment), and captures the document content. Customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage consent information, communication fee included in the point (or mileage) use application information An image controller that includes at least one or more pieces of customer information for a gift (or payment) in a watermarking manner. A word including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC), etc., which generates a file and includes the image content including the watermarking. By creating a processor file or a web document file including MHT), points (or mileage) accumulated in correspondence with the financial institution's transaction results can be used to link points (or mileage) to the communication fee payment account. It is preferable to treat with.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information included in the point (or mileage) use application information received through the information receiving unit 815, communication fee payment account information, An image of generating document content including at least one or more points (or mileage) providing agency information, point (or mileage) use agreement information, and customer information for a communication fee present (or payment), and capturing the document content. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including content (eg, image content generated by capturing the document content on a memory) and the point (or mileage) use request information. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) As such, it is desirable to deal with the financial transactions to earn points in response to the performance (or miles) points for connection with the communication fee billing account (or miles) Application for Use electronic documents.

Alternatively, the electronic document generation unit 825 may include customer information included in the point (or mileage) use request information received through the information receiving unit 815, communication fee payment account information, point (or mileage) providing agency information, Image content (eg, the document content is generated) that generates document content including at least one or more points (or mileage) usage agreement information and customer information for a communication fee present (or payment), and captures the document content. Customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage consent information, communication fee included in the point (or mileage) use application information An image controller that includes at least one or more pieces of customer information for a gift (or payment) in a watermarking manner. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) that generates an image, and includes image content including the watermarking and the point (or mileage) application information. / DOC, or a word processor file including at least one, or a web document file including the MHT, etc.), by linking the points (or mileage) accumulated in response to the financial institution transaction results with the communication fee payment account It is preferable to process the points (or mileage) use request electronic documents.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 825 is a technical feature of generating a point (or mileage) use application electronic document of the image file format and / or a predetermined document file format And, since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the point (or mileage) use application electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 830 transmits and stores the point (or mileage) use request electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the information registration system. It features.

As shown in FIG. 8, the electronic document repository is connected to the information registration server 800 on the information registration system with a predetermined electronic document server 840 and an electronic document D / B 860 via predetermined communication means. When provided externally, the electronic document transmission unit 830 is the electronic document server via the communication means for the point (or mileage) using the electronic document generated by the electronic document generation unit 825 It is characterized in that the transmission to (840).

If the electronic document server 840 and the electronic document D / B 860 are provided outside the information registration system, the electronic document server 840 and the electronic document D / B 860 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the information registration system, the electronic document transmission unit 830 is the point generated by the electronic document generation unit 825 (Or mileage) It is possible to store the electronic application D / B 860 corresponding to the electronic document storage on the DBMS provided in the information registration system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830 requests the electronic document related information (eg, the point (or mileage) use request) for generating predetermined electronic document management information in the electronic document server 840. Customer information transmitted by inputting (selecting) the information, and / or financial institution information transmitting the point (or mileage) request electronic document, and / or electronic document file format information, and / or the point (or mileage). It is possible to transmit to the electronic document storage including the application information, etc.), whereby the present invention is not limited.

Referring to FIG. 8, the information registration server 800 indicates that the point (or mileage) usage request information received through the information receiving unit 815 corresponds to the financial institution transaction performance through the validity checking unit 820. If the validity for the connection of the accumulated points (or mileage) with the communication fee payment account is authenticated, the customer information, communication fee payment account information, points (or And an information storage unit 835 for linking and processing the mileage providing agency information, point (or mileage) usage agreement information, and customer information for a communication charge present (or payment) to a predetermined storage medium 865. It features.

When the validity of the point (or mileage) use application information is confirmed by the validity confirming unit 820, the information storage unit 835 stores the customer information and communication fee included in the point (or mileage) use application information. The billing account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the communication fee present (or payment) target customer information is processed in conjunction with and stored in the storage medium 865, When the storage medium 865 is provided in the information registration server 800 or on a network associated with the information registration server 800, the information storage unit 835 may receive the received point (or mileage). Customer information included in the application information, communication billing account information, point (or mileage) provider information, points (or mileage) agreement information, communication charges (or Payment) preferably linked to the target customer information to be stored in the storage medium 865, when the storage medium 865 is provided in a DBMS provided on the financial system, the information storage unit 835 is Customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) provider information, point (or mileage) usage consent information, communication charges (or payment) customer information It is desirable to provide to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Referring to FIG. 8, a predetermined point (or mileage) use request electronic document is received from the information registration server 800 provided on the information registration system, and stored and managed in a predetermined electronic document D / B 860. The electronic document server 840 includes an electronic document receiving unit 845 for receiving a predetermined point (or mileage) use request electronic document from the information registration server 800 through a predetermined communication means, and the received point ( Or mileage) an information generation unit 850 for generating predetermined electronic document management information for storing and managing the use application electronic document in the electronic document D / B 860, and the electronic document management information and the point (or Mileage) is characterized in that it comprises an electronic document storage unit 855 for storing the application electronic document linked to the predetermined electronic document D / B (860).

The electronic document receiving unit 845 may receive a point (or mileage) use request electronic document in the form of an image file and / or a document file from the information registration server 800 through the communication means.

According to an embodiment of the present invention, the point (or mileage) use request electronic document received by the electronic document receiving unit 845 through the communication means is the information registration server 800 from the information registration terminal 870 Customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information for communication charges (or payment) A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing document content including at least one or more, or MHT It is preferable that the web document file including a).

Alternatively, the point (or mileage) use request electronic document received by the electronic document receiving unit 845 through the communication means is the point (or mileage) received by the information registration server 800 from the information registration terminal 870. Documents including at least one of customer information included in the application information, communication billing account information, point (or mileage) provider information, points (or mileage) agreement information, customer information for the communication charges (or payment) Customer information contained in the point (or mileage) use application information in the content, communication fee payment account information, point (or mileage) provider information, point (or mileage) agreement information, customer for the communication fee gift (or payment) After at least one of the information is included in a watermarking method, the document content including the watermarking is included. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

Alternatively, the point (or mileage) use request electronic document received by the electronic document receiving unit 845 through the communication means is the point (or mileage) received by the information registration server 800 from the information registration terminal 870. Documents including at least one of customer information included in the application information, communication billing account information, point (or mileage) provider information, points (or mileage) agreement information, customer information for the communication charges (or payment) Preferably, the image file includes an image file including captured image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the point (or mileage) use request electronic document received by the electronic document receiving unit 845 through the communication means is the point (or mileage) received by the information registration server 800 from the information registration terminal 870. Documents including at least one of customer information included in the application information, communication billing account information, point (or mileage) provider information, points (or mileage) agreement information, customer information for the communication charges (or payment) Customer information included in the point (or mileage) use request information, image information (for example, image content generated by capturing the document content on a memory) captured content, communication fee payment account information, point (or Mileage) Write down agency information, point (or mileage) agreement information, customer information for communication charges (or payment) After including at least one of the information in a watermarking (Watermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the point (or mileage) use request electronic document that the electronic document receiving unit 845 receives through the communication means, the information registration server 800 is the information registration terminal 870 Customer information included in the point (or mileage) use application information received from the customer, communication billing account information, point (or mileage) provider information, points (or mileage) agreement information, customer communication target (or payment) A predetermined document file (eg, a Portable Document Format (PDF) file) including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more information. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or MHT. It is preferred which comprises a web, such as a document file).

Alternatively, the point (or mileage) use request electronic document received by the electronic document receiving unit 845 through the communication means is the point (or mileage) received by the information registration server 800 from the information registration terminal 870. Documents including at least one of customer information included in the application information, communication billing account information, point (or mileage) provider information, points (or mileage) agreement information, customer information for the communication charges (or payment) Customer information included in the point (or mileage) use request information, image information (for example, image content generated by capturing the document content on a memory) captured content, communication fee payment account information, point (or Mileage) Write down agency information, point (or mileage) agreement information, customer information for communication charges (or payment) FIG. 6 illustrates an image content including at least one information by a watermarking method, a document file including an image content including the watermarking (eg, a Portable Document Format (PDF) file or an electronic data interchange). ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the point (or mileage) use request electronic document that the electronic document receiving unit 845 receives through the communication means is the information registration server 800 is the information registration terminal 870 Customer information included in the point (or mileage) use application information received from the), communication billing account information, point (or mileage) provider information, point (or mileage) agreement information, communication charges (or payment) subject A predetermined document including image content (eg, image content generated by capturing the document content on a memory) and the point (or mileage) use request information captured by document content including at least one or more customer information; At least one file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC). It comprises a web page file, and so on) by including the word processor file, or MHT that is preferred.

Alternatively, the point (or mileage) use request electronic document received by the electronic document receiving unit 845 through the communication means is the point (or mileage) received by the information registration server 800 from the information registration terminal 870. Documents including at least one of customer information included in the application information, communication billing account information, point (or mileage) provider information, points (or mileage) agreement information, customer information for the communication charges (or payment) Customer information included in the point (or mileage) use request information, image information (for example, image content generated by capturing the document content on a memory) captured content, communication fee payment account information, point (or Mileage) Write down agency information, point (or mileage) agreement information, customer information for communication charges (or payment) A document file (eg, PDF (Portable Document) generating an image content including one or more pieces of information in a watermarking manner, and including the watermarking image content and the point (or mileage) use request information. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 850 is a predetermined electronic document unique number (or unique information) to be assigned to the point (or mileage) use application electronic document received through the electronic document receiving unit 845, and the electronic document receiving unit 845 Electronic document containing the date and time of electronic document storage including the date and time (or date and time the point (or mileage) use request electronic document was stored) received the point (or mileage) use request electronic document through And generating management information.

According to the exemplary embodiment of the present invention, the information generating unit 850 refers to the information registration server 800 that transmits the point (or mileage) use request electronic document received through the electronic document receiving unit 845. It is preferable to check the financial institution that has transmitted the point (or mileage) use application electronic document, and generate electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 800 through the electronic document receiving unit 845, the information generating unit 850 receives the received information. Customer information transmitted by inputting (selecting) the point (or mileage) use request information, and / or financial institution information transmitting the point (or mileage) use request electronic document, and / or And electronic document file format information and / or the point (or mileage) application information).

The electronic document storage unit 855 associates a point (or mileage) use request electronic document received through the electronic document receiving unit 845 with the electronic document management information generated through the information generating unit 850, and then processes the electronic document management information. Characterized in that stored in the electronic document D / B (860).

According to the exemplary embodiment of the present invention, the point (or mileage) application request electronic document stored in the electronic document D / B 860 by the electronic document storage unit 855 is the information registration server 800 the information Customer information included in the point (or mileage) use application information received from the registration terminal 870, communication billing account information, point (or mileage) provider information, point (or mileage) agreement information, communication charge gift ( Or at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing document contents including at least one target customer information. Word processor files, or web document files containing MHT).

Alternatively, a point (or mileage) use request electronic document stored in the electronic document D / B 860 by the electronic document storage unit 855 is received by the information registration server 800 from the information registration terminal 870. Customer information included in one point (or mileage) application information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information for communication charges (or payment) Customer information included in the point (or mileage) use application information, at least one document content containing at least one, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) agreement information, communication fee gifts (Or payment) include at least one or more of the target customer information in a watermarking manner, and then include document content including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

Alternatively, a point (or mileage) use request electronic document stored in the electronic document D / B 860 by the electronic document storage unit 855 is received by the information registration server 800 from the information registration terminal 870. Customer information included in one point (or mileage) application information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information for communication charges (or payment) Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, a point (or mileage) use request electronic document stored in the electronic document D / B 860 by the electronic document storage unit 855 is received by the information registration server 800 from the information registration terminal 870. Customer information included in one point (or mileage) application information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information for communication charges (or payment) Customer information and communication fee payment included in the point (or mileage) use application information in the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one document content. Among the account information, point (or mileage) provider information, point (or mileage) agreement consent information, customer information for the communication charges (or payment) Also preferably comprising a after the image file containing the image content that contains the watermark, including one or more information to the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, a point (or mileage) use application electronic document stored in the electronic document D / B 860 by the electronic document storage unit 855 is the information registration server 800 is the; Customer information included in the point (or mileage) use application information received from the information registration terminal 870, communication bill payment account information, point (or mileage) provider information, point (or mileage) agreement information, communication charges present (Or payment) A predetermined document file (eg, PDF) including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one target customer information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more such as HWP / DOC, or MHT Is preferably a web document file).

Alternatively, a point (or mileage) use request electronic document stored in the electronic document D / B 860 by the electronic document storage unit 855 is received by the information registration server 800 from the information registration terminal 870. Customer information included in one point (or mileage) application information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information for communication charges (or payment) Customer information and communication fee payment included in the point (or mileage) use application information in the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one document content. Among the account information, point (or mileage) provider information, point (or mileage) agreement consent information, customer information for the communication charges (or payment) FIG. 6 illustrates an image content including at least one information by a watermarking method, a document file including an image content including the watermarking (eg, a Portable Document Format (PDF) file or an electronic data interchange). ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a point (or mileage) use application electronic document stored in the electronic document D / B 860 by the electronic document storage unit 855 is the information registration server 800. Customer information included in the point (or mileage) use application information received from the information registration terminal 870, communication billing account information, point (or mileage) providing agency information, point (or mileage) usage agreement information, communication fee Image content (e.g., image content generated by capturing the document content on a memory) and the point (or mileage) application information used to capture document content including at least one piece of customer information subject to a gift (or payment). At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC) Preferably includes a word processor file or a web document file including an MHT.

Alternatively, a point (or mileage) use request electronic document stored in the electronic document D / B 860 by the electronic document storage unit 855 is received by the information registration server 800 from the information registration terminal 870. Customer information included in one point (or mileage) application information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information for communication charges (or payment) Customer information and communication fee payment included in the point (or mileage) use application information in the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one document content. Among the account information, point (or mileage) provider information, point (or mileage) agreement consent information, customer information for the communication charges (or payment) A document file (eg, PDF (Portable Document) generating an image content including one or more pieces of information in a watermarking manner, and including the watermarking image content and the point (or mileage) use request information. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 860 by the electronic document storage unit 855 in association with the point (or mileage) use request electronic document is stored in the It is preferable that a predetermined electronic document unique number (or unique information) assigned to the point (or mileage) use application electronic document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 860 by processing the electronic document storage unit 855 in association with the point (or mileage) use application electronic document, It is preferable to further include financial institution information for transmitting the point (or mileage) use request electronic document confirmed with reference to the information registration server 800 that transmitted the point (or mileage) use application electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 800, the electronic document storage unit 855 is connected to the point (or mileage) request application electronic document The electronic document management information stored in the electronic document D / B 860 in association with each other is stored in the electronic document D / B 860. And / or financial institution information transmitting the point (or mileage) use request electronic document, and / or electronic document file format information, and / or the point (or mileage) use request information, etc.). desirable.

9 is a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for linking points (or mileages) accumulated in correspondence with financial institution transaction results according to an embodiment of the present invention in connection with a communication fee settlement account. FIG. 9 is a diagram illustrating a configuration of point (or mileage) use application information stored at 900.

In more detail, in FIG. 9, when the storage medium 865 shown in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 900 is used. Point (or mileage) use application information including the customer information, communication billing account information, point (or mileage) provider information, point (or mileage) usage agreement information, customer information subject to the communication charge futures (or payment) As shown in FIG. 1, information stored in an exemplary embodiment of the present invention is stored, and a person skilled in the art may refer to and / or modify the drawing 9 and the point of the ledger D / B 900. (Or mileage) It can be inferred from the various information configuration methods for storing the use application information, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. do.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (900) provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 900 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. The.

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.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / 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, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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.

Referring to FIG. 9, the point (or mileage) use application information provided through the information registration system shown in FIG. 8 is stored in the form of additional information added to the account ledger, and the point (or mileage) The application information may include at least one of customer information, communication billing account information, point (or mileage) providing agency information, point (or mileage) usage agreement information, and customer information for the communication fee futures (or payment). It is done.

The customer information subject to the communication fee present (or payment) includes personal information (eg, the name, resident registration number, address, and the like) of the customer who requests the use of the point (or mileage) to present (or pay) the communication fee. A telephone number, a mobile phone number, an e-mail address, and the like, and member information of the customer (e.g., when the customer subscribes as a financial transaction customer of the financial institution) in response to the customer; At least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided in the.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The point (or mileage) provider information is the point (or mileage) of the point (or mileage) provider that pays the point (or mileage) generated in the process of using the various services by the customer, the point (or mileage) contracted with the financial institution Institution information about the provider (e.g., organization name, corporation registration number, business registration number, address, telephone number, e-mail address, etc.) and member information of the point (or mileage) provider (for example, the point (or Mileage), the member ID information provided in the customer ledger provided on the financial system linked with the information registration system in response to the point (or mileage) providing institution by signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like). Wherein the point (or miles) provider may be omitted if the financial institution in accordance with the intent and purpose.

In addition, the point (or mileage) provider information is preferably made by the exchange rate information for the exchange, if the point (or mileage) provided by the point (or mileage) provider is exchanged for cash. .

The point (or mileage) agreement information is used in using the point (or mileage) provided by the point (or mileage) provider in order to use the point (or mileage) held by the customer as the communication fee of the customer It is preferable that the agreement information is included.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one of member ID information, CIF (Customer Information File) number, etc., which are provided in the customer ledger provided on the financial system associated with the information registration system, in response to the customer. It is preferable.

According to another exemplary embodiment of the present invention, the point (or mileage) application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, customers). It may be stored in the form of additional information added to the ledger) and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus, the present invention is not limited thereto.

10 is a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for linking points (or mileage) accumulated in correspondence with financial institution transaction results according to another embodiment of the present invention in connection with a communication fee settlement account. Point (or mileage) using the application information stored in the database associated with (900) is a diagram showing the configuration.

In more detail, FIG. 10 illustrates an embodiment of the method in which the storage medium 865 shown in FIG. 8 is stored in a predetermined database linked to the ledger D / B 900 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 10 to convert the point (or mileage) usage request information into a predetermined database. 900 may be inferred from various information configuration methods to be stored in association with the present invention, the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when the point (or mileage) use application information is not easily stored in the ledger information of the ledger D / B 900 on the DBMS provided on the financial system (for example, the policy of the financial institution) When it is not easy to change the ledger D / B 900 of the phase DBMS or the system expansion is not easy due to the characteristics of the financial system, the point (or Mileage) shows an implementation method of storing the use application information, and the database and the ledger D / B (900) linked to store.

In addition, the database shown in FIG. 10 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 10, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, the database includes customer information included in the point (or mileage) use application information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) use agreement information, and communication fee. Characterized in that the present (or payment) target customer information is processed by linking, the point (or mileage) application information is applied to the point (or mileage) to be processed in connection with the ledger D / B (900) Preferably, the information further includes a CIF number corresponding to the ledger information.

The customer information subject to the communication fee present (or payment) includes personal information (eg, the name, resident registration number, address, and the like) of the customer who requests the use of the point (or mileage) to present (or pay) the communication fee. A telephone number, a mobile phone number, an e-mail address, and the like, and member information of the customer (e.g., when the customer subscribes as a financial transaction customer of the financial institution) in response to the customer; At least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided in the.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The point (or mileage) provider information is the point (or mileage) of the point (or mileage) provider that pays the point (or mileage) generated in the process of using the various services by the customer, the point (or mileage) contracted with the financial institution Institution information about the provider (e.g., organization name, corporation registration number, business registration number, address, telephone number, e-mail address, etc.) and member information of the point (or mileage) provider (for example, the point (or Mileage), the member ID information provided in the customer ledger provided on the financial system linked with the information registration system in response to the point (or mileage) providing institution by signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like). Wherein the point (or miles) provider may be omitted if the financial institution in accordance with the intent and purpose.

In addition, the point (or mileage) provider information is preferably made by the exchange rate information for the exchange, if the point (or mileage) provided by the point (or mileage) provider is exchanged for cash. .

The point (or mileage) agreement information is used in using the point (or mileage) provided by the point (or mileage) provider in order to use the point (or mileage) held by the customer as the communication fee of the customer It is preferable that the agreement information is included.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one of member ID information, CIF (Customer Information File) number, etc., which are provided in the customer ledger provided on the financial system associated with the information registration system, in response to the customer. It is preferable.

Figure 11 is a point (or mileage) accumulated in response to the financial institution transaction results in accordance with another embodiment of the present invention stored in the DBMS provided in the banking server in a non-face-to-face for linking the communication fee payment account ( Or mileage) is a diagram showing the configuration of the application information.

More specifically, in Figure 11, the storage medium 865 shown in Figure 8 is a predetermined banking provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer the information configuration method for the point (or mileage) use application information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 11, a predetermined DBMS provided in the banking server includes customer information included in the point (or mileage) use application information, communication fee payment account information, point (or mileage) providing agency information, point (or Mileage) the use agreement information, the customer information of the communication charges present (or payment) is characterized in that the processing by storing.

The customer information subject to the communication fee present (or payment) includes personal information (eg, the name, resident registration number, address, and the like) of the customer who requests the use of the point (or mileage) to present (or pay) the communication fee. A telephone number, a mobile phone number, an e-mail address, and the like, and member information of the customer (e.g., when the customer subscribes as a financial transaction customer of the financial institution) in response to the customer; At least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided in the.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The point (or mileage) provider information is the point (or mileage) of the point (or mileage) provider that pays the point (or mileage) generated in the process of using the various services by the customer, the point (or mileage) contracted with the financial institution Institution information about the provider (e.g., organization name, corporation registration number, business registration number, address, telephone number, e-mail address, etc.) and member information of the point (or mileage) provider (for example, the point (or Mileage), the member ID information provided in the customer ledger provided on the financial system linked with the information registration system in response to the point (or mileage) providing institution by signing up as a financial transaction customer of the financial institution; Or a CIF (Customer Information File) number or the like). Wherein the point (or miles) provider may be omitted if the financial institution in accordance with the intent and purpose.

In addition, the point (or mileage) provider information is preferably made by the exchange rate information for the exchange, if the point (or mileage) provided by the point (or mileage) provider is exchanged for cash. .

The point (or mileage) agreement information is used in using the point (or mileage) provided by the point (or mileage) provider in order to use the point (or mileage) held by the customer as the communication fee of the customer It is preferable that the agreement information is included.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one of member ID information, CIF (Customer Information File) number, etc., which are provided in the customer ledger provided on the financial system associated with the information registration system, in response to the customer. It is preferable.

Figure 12a and Figure 12b is a point (or mileage) accumulated in correspondence with financial institution transaction results in accordance with an embodiment of the present invention to the point (or mileage) use application information in a non-face-to-face in order to link with the communication fee payment account A diagram illustrating a registration process.

12A and 12B show that the information registration terminal 870 on the information registration system shown in FIG. 8 is a client terminal, and the information registration server 800 can connect to the client terminal through a predetermined network means. In the case of having a web server function, the customer information and communication bill payment account through the client terminal for linking the points (or mileage) accumulated in response to the financial institution transaction results with the communication bill payment account If the information is provided, the point (or mileage) provider information, the point (or mileage) agreement information, and the point (or mileage) application request information that includes at least one or more customer information subject to the communication charges (or payment), the information A predetermined point (or including the provided point (or mileage) use information in the registration system (or Diary) generates a usage application electronic document and stores it in a predetermined electronic document storage, and includes the customer information, communication billing account information, point (or mileage) providing agency information, and points included in the point (or mileage) use application information. (Or mileage) is an implementation method for linking processing agreement information, communication charges present (or payment) target customer information to a predetermined storage medium 865, having a general knowledge in the technical field to which the present invention belongs In this case, various implementation methods for registering the point (or mileage) use application information from the client terminal to the information registration server 800 may be inferred by referring to and / or modifying the drawings 12a and 12b. The present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 12A and 12B.

For example, in the implementation method shown in FIGS. 12A and 12B, a predetermined web provided by the information registration server 800 provides a user interface for the client terminal to input (or select) the point (or mileage) use request information. Although illustrated as being provided through a page, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 800, and the present invention is not limited thereto. No.

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the information registration server 800 shown in FIG. 8 is referred to as " server " for convenience. For convenience, the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) use consent information, the communication fee present (or payment) target customer information transmitted to the information registration server 800 for convenience It is called "point (or mileage) application information".

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the financial When requesting a web page including a user interface for linking a point (or mileage) accumulated in correspondence with an institutional transaction result (1200), the server responds to the customer information and communication billing account. At least one piece of information, point (or mileage) providing agency information, point (or mileage) agreement information, and customer information for a communication charge present (or payment) Generate (or extract) a web page including a user interface for inputting (or selecting) the point (or mileage) use application information included above and transmitting it to the server (1205), and generating the web page through the network means ( Alternatively, the web page including the extracted user interface is transmitted to the terminal and output (1210).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the point (or mileage) application information. The invention is not limited.

Then, the terminal through the user interface included in the web page at least one or more customer information, communication billing account information, point (or mileage) providing agency information, point (or mileage) usage consent information, communication fee gift (or payment) In operation 1215, the user inputs (or selects) point (or mileage) use application information including the target customer information.

If the terminal includes the customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage agreement information, communication fee gift (or payment) target customer information through the user interface; When the point (or mileage) application for use information is input (or selected) (1220), the terminal provides the customer information, the communication fee payment account information, and the point (or mileage) providing agency information (or selected) through the communication channel. The information, points (or mileage) usage agreement information, and customer information for a communication charge present (or payment) are transmitted to the server (1225).

According to an embodiment of the present invention, the terminal may provide the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) use agreement information, the communication fee present (or payment) target customer information. A predetermined password and / or security card information and / or a predetermined OTP (One for verifying the validity of the point (or mileage) use request information on the server in the point (or mileage) use request information that includes at least one or more Time Password) It is preferable to further include at least one or more OTP code generated through the generator to the server via the network means.

According to an embodiment of the present invention, the terminal may provide the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) use agreement information, the communication fee present (or payment) target customer information. At least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key) Exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the point (or mileage) use application information and transmit it to the server through the network means. At least one encryption key corresponding to an encryption scheme, and / or at least one or more encryption keys If a predetermined public certificate including an encryption key is provided, and / or the public certificate is provided on a predetermined IC chip (or IC card), verify the public certificate provided on the IC chip (or IC card). It is preferable that a card reader is provided.

According to an embodiment of the present invention, the terminal may provide the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) use agreement information, the communication fee present (or payment) target customer information. At least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key) Exchange-based encryption method, etc.), and transmit the same to the server through the network means. Have a predetermined certificate containing a key, and / or the certificate If provided in the definition IC chip (or IC card) it is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the point (or mileage) application information, and a predetermined electronic signature in the point (or mileage) application information. Since it will be familiar with the technical features to be attached, the detailed description thereof will be omitted for convenience.

Thereafter, the server receives the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) use agreement information, the communication fee present (or payment) target customer information through the communication channel. And it reads to check the validity of the point (or mileage) application information (1230).

According to an embodiment of the present invention, the point (or mileage) application information is at least one encryption method (eg, symmetric key based encryption and / or public key based encryption, and / or electronic envelope based encryption, And / or a key exchange based encryption scheme, etc., the server converts the encrypted point (or mileage) application information into at least one decryption scheme (eg, a symmetric key based decryption scheme, corresponding to the encryption scheme). And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., to authenticate validity of the received point (or mileage) application information. desirable.

Alternatively, when a predetermined electronic signature is attached to the point (or mileage) application information, the server checks the electronic signature attached to the point (or mileage) application information, thereby receiving the received point (or mileage). It is desirable to verify the validity of the application information.

Those skilled in the art to which the present invention pertains include technical features of various decryption schemes for decrypting the encrypted point (or mileage) application information, and attached to the point (or mileage) application information. Since you will be familiar with the technical features of verifying the digital signature, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a predetermined password for confirming the validity of the point (or mileage) use application information is further included in the point (or mileage) use application information received through the information receiving unit 815. In this case, the server compares and authenticates the password received by being included in the point (or mileage) use request information with the password provided corresponding to the customer on the DBMS, thereby verifying the received point (or mileage) use request information. It is desirable to authenticate validity.

Alternatively, when the point (or mileage) use application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the point (or mileage) use application information. The server compares and authenticates the received security card information included in the point (or mileage) use request information with the security card information provided corresponding to the customer on the DBMS, thereby receiving the received point (or mileage) use request information. It is desirable to authenticate the validity of the.

Alternatively, when the point (or mileage) use request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the point (or mileage) use request information, the server The received point by comparing and authenticating the received OTP code included in the point (or mileage) usage application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, (Or mileage) It is desirable to verify the validity of the application information.

According to the method of the present invention, the validity check of the point (or mileage) use application information and the point (or mileage) use application information to the ledger D / B (900) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 820 may be a ledger on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point (or mileage) use application information is linked to the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B (900).

In addition, the validity of the point (or mileage) use application information, the information contained in the point (or mileage) use application information, the communication fee payment account information is the ledger on the financial system associated with the information registration system It is preferably made to include matching with the account ledger stored in the D / B (900).

If the validity of the point (or mileage) use application information is not authenticated (1235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1240), and the point ( Or mileage) do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the point (or mileage) application information is authenticated (1235), the server includes at least one or more customer information, communication billing account information, points (or Generate predetermined document content including mileage) providing agency information, point (or mileage) usage agreement information, and customer information for a communication charge present (or payment) (1245), and a predetermined point (or Mileage) to generate the electronic application for use (1250).

According to an exemplary embodiment of the present invention, the server uses customer information, communication fee payment account information, point (or mileage) provider information, and point (or mileage) included in the received point (or mileage) application information. Generating document content including at least one agreement information and at least one target customer information for a communication fee (or payment), and including a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) including the document content. ), A word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like (or mileage) accumulated in correspondence with the financial institution's transaction performance. It is desirable to process the points (or mileage) request electronic documents for linkage.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or payment) generating document content including at least one target customer information, and providing customer information, communication fee payment account information, and points (or mileage) included in the point (or mileage) use application information in the document content. A document file including document content including the watermarking after including at least one of information, point (or mileage) use agreement information, and customer information for a communication fee present (or payment) in a watermarking manner. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC). Apply for using points (or mileage) for linking the points (or mileage) accumulated in correspondence with the financial institution's transaction results with the communication fee payment account; It is preferable to process it as an electronic document.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or an image file including document content including at least one target customer information and capturing the document content (for example, image content generated by capturing the document content on a memory). It is preferable to process the points (or mileage) accumulated in correspondence with the financial institution transaction results as a point (or mileage) use application electronic document for linking with the communication fee payment account.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or payment) to generate document content including at least one target customer information, and to the image content (eg, image content generated by capturing the document content on a memory) that captures the document content. Mileage) at least one or more of the customer information included in the use application information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information subject to the communication charge gift (or payment) After the watermarking method, the image content including the watermarking is included. To process the image file to the financial transactions that earn points in response to the performance (or miles) points for communication charges associated with payment accounts (or miles) Application using electronic documents is desirable.

According to another exemplary embodiment of the present invention, the server may include customer information, communication fee payment account information, point (or mileage) provider information, and point (or mileage) included in the received point (or mileage) application information. Generated by generating at least one document content including usage agreement information and at least one customer information subject to a communication charge (or payment), and image content (eg, capturing the document content on a memory). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. By generating a web document file, etc.), the points (or mileage) accumulated in correspondence with the financial institution transaction results Points for connection with the payment account (or miles) it is preferable to use application that processes electronic documents.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or payment) to generate document content including at least one target customer information, and to the image content (eg, image content generated by capturing the document content on a memory) that captures the document content. Mileage) at least one or more of the customer information included in the use application information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information subject to the communication charge gift (or payment) To generate image content including a watermarking method, wherein the watermarking is included. Document files containing image contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.), it is preferable to process the points (or mileage) accumulated in correspondence with the financial institution transaction results as a point (or mileage) use application electronic document for linking with the communication fee payment account.

According to another exemplary embodiment of the present invention, the server may include customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) included in the received point (or mileage) application information. ) Generating document contents including at least one usage agreement information and customer information subject to communication charges (or payments), and capturing the image contents (eg, capturing the document contents on a memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including one image content) and the point (or mileage) application information. By generating a word processor file or a web document file including MHT). The point (or miles) credited to it is preferable to process a point (or miles) Application using electronic documents for communication charges associated with payment accounts.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or payment) to generate document content including at least one target customer information, and to the image content (eg, image content generated by capturing the document content on a memory) that captures the document content. Mileage) at least one or more of the customer information included in the use application information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information subject to the communication charge gift (or payment) To generate image content including a watermarking method, wherein the watermarking is included. A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content and the point (or mileage) use request information. File, or a web document file including MHT), and the points (or mileage) accumulated in response to the financial institution's transaction performance as a point (or mileage) application request electronic document for linking with the fare payment account. It is preferable to process.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point (or mileage) use request electronic document in an image file format and / or a predetermined document file format, and the point (or Mileage) Since you will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic application for use, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point (or mileage) use request electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 840 and an electronic document D / B 860 connected to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated point (or mileage) use application electronic document to the electronic document server 840 via the communication means to store in the electronic document D / B (860) Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the information registration system, the server stores the generated point (or mileage) use request electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 860 corresponding to the present invention, thereby not limited.

According to the method of the present invention, storing the point (or mileage) use application electronic document in the electronic document storage, the process of linking the generated point (or mileage) use application electronic document and predetermined electronic document management information And storing the data in the electronic document D / B 860 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point (or mileage) use application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point (or mileage) use request electronic document.

The electronic document management information may include customer information transmitted by inputting (selecting) the predetermined electronic document related information (eg, the point (or mileage) use request information, and / or the point (or mileage) use request electronic document). Financial institution information, and / or electronic document file format information, and / or the point (or mileage) application information).

If the point (or mileage) use request electronic document is stored in the electronic document storage (1260), the server includes the customer information, communication billing account information, points ( Or mileage) providing agency information, point (or mileage) usage agreement information, and communication customer information (or payment) target customer information to be stored in a predetermined storage medium 865 (1265), and predetermined information registration history information. (Eg, a history of storing the point (or mileage) use request electronic document in the electronic document storage and / or a history of storing the point (or mileage) use application information in the storage medium 865) ( Or extract) and transmit it to the terminal (1270).

According to one embodiment of the invention, the storage medium 865 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 865 may be a ledger D / B 900 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 900, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 865 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate points (or mileage) accumulated in correspondence with financial institution transaction results according to an exemplary embodiment of the present invention through a non-face-to-face financial transaction channel for linking with a communication fee payment account. Mileage) is a diagram illustrating a process of registering the use application information.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case where the information registration system shown in FIG. 8 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, on the information registration system shown in FIG. 8). In the case where the information registration server 800 is an Internet banking server), after the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure, When the client terminal transmits the point (or mileage) accumulated in correspondence with the financial institution transaction results to the Internet banking server, the predetermined point (or mileage) use application information for linking with the communication fee payment account, the Internet banking Before a predetermined point (or mileage) use application including the received point (or mileage) use application information from the server Generate an advisory document and store it in a predetermined electronic document repository, and include the customer information, communication billing account information, point (or mileage) providing agency information, point (or mileage) included in the point (or mileage) application information. The present invention relates to an operation method of linking and processing usage agreement information and customer information for a communication charge (or payment) to a predetermined storage medium 865. If a person having ordinary knowledge in the technical field to which the present invention belongs, 13A, 13B, and 13C may be inferred from various modifications to register the point (or mileage) application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the present invention. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering point (or mileage) use application information between the client terminal and the internet banking server based on the browser program is illustrated, it is common in the art to which the present invention pertains. Those skilled in the art may refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13A, 13B, and 13C, based on a predetermined Internet banking program mounted on the client terminal. The client terminal Although it is possible to infer an implementation method of connecting an Internet banking-based financial transaction channel for registering point (or mileage) usage information information between Internet banking servers, the present invention provides an Internet banking-based service provided based on the Internet banking program. Including financial transactions, the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer a method of connecting non-facing channel-based financial transactions channels for registration of point (or mileage) redemption information. The present invention includes all kinds of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future, The technical configuration is by no means limited to the case of the Internet banking shown in FIGS. 13A, 13B, and 13C. All.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the information registration server 800 is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the server to register the point (or mileage) use application information in the terminal. Attaching a predetermined digital signature to information (or data) to be provided by the network and / or encrypting and transmitting the data using at least one or more encryption methods (and / or encryption algorithms), the server may verify the digital signature and / or the A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption method (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also for registering the point (or mileage) use application information in the terminal. Attach certain electronic signatures to information (or data) to be provided to the server and / or When encrypted and transmitted with at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a point (or mileage) accumulated in correspondence with the financial institution transaction results from the terminal to the server to transmit a predetermined point (or mileage) use application information for linking with the communication fee payment account to register. It means the communication channel.

Subsequently, when the terminal requests a web page including a user interface for linking a point (or mileage) accumulated in correspondence with the financial institution transaction performance to a communication fee payment account through the internet banking-based financial transaction channel In response thereto, the server may include at least the customer information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) agreement information, and the communication target present (or payment) customer information. Generating (or extracting) a web page including a user interface for inputting (or selecting) one or more points (or mileage) use request information to be transmitted to the server (1305b), and the internet banking-based financial transaction channel. By transmitting a web page including the generated (or extracted) user interface to the terminal through Output 1310b.

According to the method of the present invention, the web page is the customer information, communication billing account information, point (or mileage) providing agency information, point (or mileage) usage agreement information, communication fee present (or payment) object in the terminal And a user interface for inputting (or selecting) point (or mileage) use information including at least one customer information, and / or requesting to register the point (or mileage) use information. Certain password and / or security card information (e.g., security card information printed on the security card issued to the customer during the internet banking application process) and / or one time password (OTP) For example, an OTP person provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). Preferably further comprising a user interface for inputting a group (or OTP authentication program) for the one-time password generated by).

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure for registering the point (or mileage) application information, and thus the present invention is not limited thereto.

Thereafter, the terminal includes at least the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) usage agreement information, and the communication fee present (or payment) target customer information through the information registration interface. In operation 1315b, the user inputs (or selects) one or more points (or mileage) use application information.

If the terminal includes the customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) usage agreement information, communication fee gift (or payment) target customer information through the user interface; When the point (or mileage) use application information is input (or selected) (1320b), the terminal transmits the input (or mileage) use application information to the server through the financial transaction channel ( 1325b).

According to an embodiment of the present invention, the terminal may provide the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) use agreement information, the communication fee present (or payment) target customer information. A predetermined password and / or security card information and / or a predetermined OTP (One for verifying the validity of the point (or mileage) use request information on the server in the point (or mileage) use request information that includes at least one or more Time Password) It is preferable to further include at least one or more OTP code generated through the generator to the server via the network means.

According to an embodiment of the present invention, the terminal may provide the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) use agreement information, the communication fee present (or payment) target customer information. At least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key) Exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the point (or mileage) use application information and transmit it to the server through the network means. At least one encryption key corresponding to an encryption scheme, and / or at least one or more encryption keys If a predetermined public certificate including an encryption key is provided, and / or the public certificate is provided on a predetermined IC chip (or IC card), verify the public certificate provided on the IC chip (or IC card). It is preferable that a card reader is provided.

According to an embodiment of the present invention, the terminal may provide the customer information, the communication fee payment account information, the point (or mileage) providing agency information, the point (or mileage) use agreement information, the communication fee present (or payment) target customer information. At least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key) Exchange-based encryption method, etc.), and transmit the same to the server through the network means. Have a predetermined certificate containing a key, and / or the certificate If provided in the definition IC chip (or IC card) it is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the point (or mileage) application information, and a predetermined electronic signature in the point (or mileage) application information. Since it will be familiar with the technical features to be attached, the detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the point (or mileage) use request information through the financial transaction channel to check the validity of the point (or mileage) use request information (1330b).

According to an embodiment of the present invention, the point (or mileage) application information is at least one encryption method (eg, symmetric key based encryption and / or public key based encryption, and / or electronic envelope based encryption, And / or a key exchange based encryption scheme, etc., the server converts the encrypted point (or mileage) application information into at least one decryption scheme (eg, a symmetric key based decryption scheme, corresponding to the encryption scheme). And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., to authenticate validity of the received point (or mileage) application information. desirable.

Alternatively, when a predetermined electronic signature is attached to the point (or mileage) application information, the server checks the electronic signature attached to the point (or mileage) application information, thereby receiving the received point (or mileage). It is desirable to verify the validity of the application information.

Those skilled in the art to which the present invention pertains include technical features of various decryption schemes for decrypting the encrypted point (or mileage) application information, and attached to the point (or mileage) application information. Since you will be familiar with the technical features of verifying the digital signature, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a predetermined password for confirming the validity of the point (or mileage) use application information is further included in the point (or mileage) use application information received through the information receiving unit 815. In this case, the server compares and authenticates the password received by being included in the point (or mileage) use request information with the password provided corresponding to the customer on the DBMS, thereby verifying the received point (or mileage) use request information. It is desirable to authenticate validity.

Alternatively, when the point (or mileage) use application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the point (or mileage) use application information. The server compares and authenticates the received security card information included in the point (or mileage) use request information with the security card information provided corresponding to the customer on the DBMS, thereby receiving the received point (or mileage) use request information. It is desirable to authenticate the validity of the.

Alternatively, when the point (or mileage) use request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the point (or mileage) use request information, the server The received point by comparing and authenticating the received OTP code included in the point (or mileage) usage application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, (Or mileage) It is desirable to verify the validity of the application information.

According to the method of the present invention, the validity check of the point (or mileage) use application information and the point (or mileage) use application information to the ledger D / B (900) on the financial system associated with the information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirming unit 820 may be a ledger on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the point (or mileage) use application information is linked to the information registration system. It is preferably made to include matching with the customer ledger stored in the D / B (900).

In addition, the validity of the point (or mileage) use application information, the information contained in the point (or mileage) use application information, the communication fee payment account information is the ledger on the financial system associated with the information registration system It is preferably made to include matching with the account ledger stored in the D / B (900).

If the validity of the point (or mileage) use application information is not authenticated (1335b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1340b), and the point ( Or mileage) do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the point (or mileage) application information is authenticated (1335b), the server includes at least one or more customer information, communication billing account information, points (or Generates predetermined document content including mileage) providing agency information, point (or mileage) usage agreement information, and customer information for a communication charge present (or payment) (1345b), and includes a predetermined point (or Mileage) to generate the electronic application for use (1350c).

According to an exemplary embodiment of the present invention, the server uses customer information, communication fee payment account information, point (or mileage) provider information, and point (or mileage) included in the received point (or mileage) application information. Generating document content including at least one agreement information and at least one target customer information for a communication fee (or payment), and including a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) including the document content. ), A word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like (or mileage) accumulated in correspondence with the financial institution's transaction performance. It is desirable to process the points (or mileage) request electronic documents for linkage.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or payment) generating document content including at least one target customer information, and providing customer information, communication fee payment account information, and points (or mileage) included in the point (or mileage) use application information in the document content. A document file including document content including the watermarking after including at least one of information, point (or mileage) use agreement information, and customer information for a communication fee present (or payment) in a watermarking manner. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC). Apply for using points (or mileage) for linking the points (or mileage) accumulated in correspondence with the financial institution's transaction results with the communication fee payment account; It is preferable to process it as an electronic document.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or an image file including document content including at least one target customer information and capturing the document content (for example, image content generated by capturing the document content on a memory). It is preferable to process the points (or mileage) accumulated in correspondence with the financial institution transaction results as a point (or mileage) use application electronic document for linking with the communication fee payment account.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or payment) to generate document content including at least one target customer information, and to the image content (eg, image content generated by capturing the document content on a memory) that captures the document content. Mileage) at least one or more of the customer information included in the use application information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information subject to the communication charge gift (or payment) After the watermarking method, the image content including the watermarking is included. To process the image file to the financial transactions that earn points in response to the performance (or miles) points for communication charges associated with payment accounts (or miles) Application using electronic documents is desirable.

According to another exemplary embodiment of the present invention, the server may include customer information, communication fee payment account information, point (or mileage) provider information, and point (or mileage) included in the received point (or mileage) application information. Generated by generating at least one document content including usage agreement information and at least one customer information subject to a communication charge (or payment), and image content (eg, capturing the document content on a memory). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. By generating a web document file, etc.), the points (or mileage) accumulated in correspondence with the financial institution transaction results Points for connection with the payment account (or miles) it is preferable to use application that processes electronic documents.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or payment) to generate document content including at least one target customer information, and to the image content (eg, image content generated by capturing the document content on a memory) that captures the document content. Mileage) at least one or more of the customer information included in the use application information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information subject to the communication charge gift (or payment) To generate image content including a watermarking method, wherein the watermarking is included. Document files containing image contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.), it is preferable to process the points (or mileage) accumulated in correspondence with the financial institution transaction results as a point (or mileage) use application electronic document for linking with the communication fee payment account.

According to another exemplary embodiment of the present invention, the server may include customer information, communication fee payment account information, point (or mileage) providing agency information, point (or mileage) included in the received point (or mileage) application information. ) Generating document contents including at least one usage agreement information and customer information subject to communication charges (or payments), and capturing the image contents (eg, capturing the document contents on a memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including one image content) and the point (or mileage) application information. By generating a word processor file or a web document file including MHT). The point (or miles) credited to it is preferable to process a point (or miles) Application using electronic documents for communication charges associated with payment accounts.

Alternatively, the server may include customer information included in the received point (or mileage) application information, communication billing account information, point (or mileage) providing agency information, point (or mileage) agreement information, and communication fee present ( Or payment) to generate document content including at least one target customer information, and to the image content (eg, image content generated by capturing the document content on a memory) that captures the document content. Mileage) at least one or more of the customer information included in the use application information, the communication fee payment account information, the point (or mileage) provider information, the point (or mileage) usage agreement information, the customer information subject to the communication charge gift (or payment) To generate image content including a watermarking method, wherein the watermarking is included. A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content and the point (or mileage) use request information. File, or a web document file including MHT), and the points (or mileage) accumulated in response to the financial institution's transaction performance as a point (or mileage) application request electronic document for linking with the fare payment account. It is preferable to process.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a point (or mileage) use request electronic document in an image file format and / or a predetermined document file format, and the point (or Mileage) Since you will be familiar with the technical features of the file format of the image file and / or document file corresponding to the electronic application for use, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated point (or mileage) use request electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 840 and an electronic document D / B 860 connected to a server on the information registration system through predetermined communication means. When provided, the server preferably transmits the generated point (or mileage) use application electronic document to the electronic document server 840 via the communication means to store in the electronic document D / B (860) Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the information registration system, the server stores the generated point (or mileage) use request electronic document on the DBMS provided in the information registration system. It is possible to store in the electronic document D / B 860 corresponding to the present invention, thereby not limited.

According to the method of the present invention, storing the point (or mileage) use application electronic document in the electronic document storage, the process of linking the generated point (or mileage) use application electronic document and predetermined electronic document management information And storing the data in the electronic document D / B 860 shown in FIG.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the point (or mileage) use application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the point (or mileage) use request electronic document.

The electronic document management information may include customer information transmitted by inputting (selecting) the predetermined electronic document related information (eg, the point (or mileage) use request information, and / or the point (or mileage) use request electronic document). Financial institution information, and / or electronic document file format information, and / or the point (or mileage) application information).

If the point (or mileage) use request electronic document is stored in the electronic document storage (1360c), the server includes the customer information, communication fee payment account information, points ( Or mileage) providing agency information, point (or mileage) usage agreement information, and communication customer information (or payment) target customer information to be stored in a predetermined storage medium 865 (1365c), and predetermined information registration history information. (Eg, a history of storing the point (or mileage) use request electronic document in the electronic document storage and / or a history of storing the point (or mileage) use application information in the storage medium 865) ( Or extract) and transmit it to the terminal (1370c).

According to one embodiment of the invention, the storage medium 865 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 865 may be a ledger D / B 900 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 900, and the present invention is not limited thereto. .

According to another embodiment of the present invention, the storage medium 865 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the information registration system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

14 is a diagram showing a settlement processing system for processing a communication charge settlement by a gift (or payment) for a communication charge between customers according to an embodiment of the present invention.

In more detail, FIG. 14 includes at least one carrier information, a communication charge payment account information, a communication charge present (or payment) target customer information, and a communication charge present (or payment) target customer communication charge information from the carrier server 1430. When receiving the communication fee settlement request information to receive, from the communication charge settlement account associated with the unique communication information of the customer communication terminal corresponding to the received communication fee settlement request information received from the communication with the calling party and the customer As a figure showing a configuration of a communication fee settlement processing system for withdrawing a side communication fee and depositing the withdrawal amount into a financial account of the telecommunication company, the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying this drawing 14, a communication charge settlement process by a gift (or payment) for communication charges between customers is performed. Various implementation methods for the configuration of the settlement processing system may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the telecommunication company information received from the telecommunication company server 1430 on the settlement processing system shown in FIG. 14, telecommunication bill payment account information, telecommunication bill present (or payment) customer information, telecommunication bill present (or payment) customer At least one means and / or function for providing a financial transaction for the processing of a communication charge settlement by a gift (or payment) for the communication charge between the customers using the communication charge settlement request information including at least one communication charge information. The component corresponding to the configuration is referred to as the "payment processing server 1400" for convenience.

Referring to this figure 14 according to the embodiment of the present invention, the settlement processing system for the communication charge settlement process by the present (or payment) for the communication fee between the customer, the customer communication terminal through the communication fee payment account; A telecommunication company server 1430 for transmitting telecommunication charge settlement request information for all (or a part) of telecommunication charges charged to the at least one receiving customer communication terminal using the call service with the customer; The settlement processing server 1400 and the settlement billing account for the settlement processing corresponding to the communication billing settlement request information received from the communications company server 1430 through a network means connected between the communications server 1430 and the settlement processing server 1400 It is characterized by comprising a financial system established.

The financial system that processes the at least one financial transaction service through the communication fee payment account in connection with the settlement processing server 1400 may include at least one window terminal provided at a branch (and / or a branch) of the financial institution. Characterized in that the connection through a predetermined financial network (for example, the current network), through the counter 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 cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through 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, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop, a laptop equipped with the wireless LAN / portable Internet connection and a browsing function, and / or a mobile terminal.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one wireless terminal (e.g., wireless terminal equipped with a financial IC chip) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. Through IC chip-based 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 telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide 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 home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more 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).

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / 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, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (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, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as, the ledger information is the communication bill payment system Including predetermined account ledger corresponding to a characterized in that formed.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

The settlement processing server 1400 provided on the settlement processing system according to the present invention is a generic term for the settlement processing system side components connected to the telecommunication company server 1430 through a network means, and includes at least one server (or an apparatus). ) And / 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.

The communication charge settlement request information transmitted from the communication company server 1430 to the settlement processing server 1400 for a communication charge settlement process by a gift (or payment) for the communication charge between customers is predetermined carrier information, And at least one communication charge payment account information, a communication charge present (or payment) target customer information, and a communication charge present (or payment) target customer communication charge information.

Referring to FIG. 14, the settlement processing server 1400 is a telecommunication company server 1430, telecommunication company information, telecommunication bill payment account information, telecommunication bill present (or payment) customer information, telecommunication bill present (or payment) customer When the communication charge settlement request information including at least one communication charge information is transmitted, an information receiving unit 1405 (or information receiving means) for receiving the communication charge settlement request information, and the received communication charge payment account information An information checking unit 1410 (or information checking means) that checks a customer's points (or mileage) and checks the cash value of the checked point (or mileage), and the confirmed point (or mileage) A payment processing unit 1415 (or payment processing means) for processing the received customer communication charges for the received communication charge futures (or payment) using cash value; If the communication fee paid through the user unit 1415 is less than the received communication fee present (or payment) customer communication fee, the unpaid fee confirmation unit 1420 (or the unpaid fee confirmation) confirming the unpaid communication fee And a financial transaction processing unit 1425 (or financial transaction processing means) for processing the unpaid communication fee to be withdrawn from the received communication fee payment account and processing the withdrawal amount to be paid as the unpaid communication fee. It is characterized by comprising a).

The information receiving unit 1405 is a telecommunication company server 1430, the telecommunication company information, telecommunication bill payment account information, telecommunications futures (or payment) customer information, telecommunications futures (or payment) customer communication fee through the user interface When the communication fee settlement request information including at least one information is input (or selected) and transmitted through the network means, the communication fee settlement request information is received in association with the interface unit.

The telecommunication company information is a carrier name, business registration number, corporate registration number, address, telephone number for a telecommunication company that transmits the telecommunication fee settlement request information, when the customers belonging to the telecommunication company requested payment of the communication fee through the financial institution; An e-mail address and the like, a management number (or management code) assigned to manage the telecommunications company by the financial institution, member ID information or CIF (Customer Information File) number assigned by the telecommunications company as a member of the financial institution, and the like. It is preferable to include at least one.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The customer information for the communication fee present (or payment) is the personal information (eg, customer) of the customer who wants to present (or pay) the communication fee by the customer who requested the use of points (or mileage) through the drawings 1 or 8. The name, social security number, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., the information registration system in response to the customer by signing up as a financial transaction customer of the financial institution). And at least one or more of member ID information, or CIF (Customer Information File) number, etc., which are provided in the customer ledger provided on the financial system.

The customer's communication fee information for the communication fee present (or payment) information includes the amount of money withdrawn from the communication fee payment account and the point of the customer for settlement of the communication fee of the customer for the communication fee present (or payment). Or mileage).

The information checking unit 1410 checks the points (or mileage) of the customer holding the received communication fee payment account information, and checks the cash value of the confirmed points (or mileage).

According to the method of the present invention, the point (or mileage) confirmation of the customer, the point (or mileage) in conjunction with a server (eg, card company server, financial institution server, point providing server, etc.) to provide the point (or mileage) It is preferable to check the mileage, and it is preferable to further check the cash value to be exchanged according to the exchange rate by the provider for the identified points (or mileage).

When the cash value corresponding to the confirmed point (or mileage) is confirmed, the payment processing unit 1415 determines the received communication charge future (or based on the confirmed cash value corresponding to the confirmed point (or mileage). Payment) characterized in that the payment processing of the target customer communication fee.

When the payment processing unit 1415 processes payment of the received communication fee present (or payment) customer communication fee using the cash value corresponding to the confirmed point (or mileage), the unpaid fee checking unit 1420 ) Is a residual amount of cash received corresponding to the identified point (or mileage) from the received communication rate present (or payment) target customer communication rate.

For example, when the cash value corresponding to the confirmed point (or mileage) is 10,000 won, and the customer communication fee for the communication charge present (or payment) requesting the payment processing is 15,000 won, the confirmation of the unpaid charge is It is preferable to check the unpaid rate of 5,000 won which subtracts the cash value corresponding to the point (or mileage) from the customer communication rate subject to the communication rate present (or payment).

After the payment processing for the requested communication fee futures (or payment) customer communication charges through the unpaid charge confirmation unit 1420, the financial transaction processing unit 1425 performs the payment for the unpaid communication charges, After withdrawing the amount corresponding to the unpaid communication fee from the received communication fee payment account, it is characterized in that the processing to be paid at the unpaid communication fee.

Here, the financial transaction processing unit 1425 may request the unpaid communication fee payment processing from the target customer of the communication fee futures (or payment) for the unpaid communication fee payment processing.

FIG. 15 is a diagram illustrating an operation process of a settlement processing system for processing a communication rate settlement by a gift (or payment) for a communication rate between customers according to an embodiment of the present invention.

More specifically, FIG. 15 includes at least one carrier information, a communication bill payment account information, a communication fee present (or payment) customer information, and a communication fee present (or payment) customer communication fee information from the carrier server 1430. When receiving the communication fee settlement request information to receive, from the communication charge settlement account associated with the unique communication information of the customer communication terminal corresponding to the received communication fee settlement request information received from the communication with the calling party and the customer Withdrawal process of the side communication fee, showing the operation process of the communication charge settlement processing system for depositing the withdrawal amount to the financial account of the telecommunication company of the present invention, if one of ordinary skill in the art Communication charge settlement by a gift (or payment) for communication charges between customers by referring to and / or modifying this drawing 15. Various implementation methods for the operation process of the settlement processing system for the present invention may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 15, the telecommunication company server 1430 shown in FIG. 14 requests the communication channel connection for the communication fee settlement request from the settlement processing server 1400 shown in FIG. 14 (1500). In operation 1505, the settlement processing server 1400 connects a communication channel for the settlement fee settlement process.

Thereafter, the telecommunication company server 1430 receives telecommunication company information, telecommunication bill payment account information, telecommunication bill present (or payment) customer information, and telecommunication bill present (or payment) to the settlement processing server 1400 through the telecommunication channel. The communication charge settlement request information including at least one customer communication charge information is transmitted (1510), and the settlement processing server 1400 corresponding to the communication charge settlement received from the communication company server 1430 through the communication channel The request information is received (1515).

The telecommunication company information is a carrier name, business registration number, corporate registration number, address, telephone number for a telecommunication company that transmits the telecommunication fee settlement request information, when the customers belonging to the telecommunication company requested payment of the communication fee through the financial institution; An e-mail address and the like, a management number (or management code) assigned to manage the telecommunications company by the financial institution, member ID information or CIF (Customer Information File) number assigned by the telecommunications company as a member of the financial institution, and the like. It is preferable to include at least one.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The customer information for the communication fee present (or payment) is the personal information (eg, customer) of the customer who wants to present (or pay) the communication fee by the customer who requested the use of points (or mileage) through the drawings 1 or 8. The name, social security number, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., the information registration system in response to the customer by signing up as a financial transaction customer of the financial institution). And at least one or more of member ID information, or CIF (Customer Information File) number, etc., which are provided in the customer ledger provided on the financial system.

The customer's communication fee information for the communication fee present (or payment) information includes the amount of money withdrawn from the communication fee payment account and the point of the customer for settlement of the communication fee of the customer for the communication fee present (or payment). Or mileage).

Subsequently, the settlement processing server 1400 includes at least one of the received telecommunication company information, telecommunication bill payment account information, telecommunication bill present (or payment) customer information, and telecommunication bill present (or payment) customer communication fee information. In response to the communication fee settlement request information, the customer checks the point (or mileage) (1520).

According to the method of the present invention, the point (or mileage) confirmation of the customer, the point (or mileage) in conjunction with a server (eg, card company server, financial institution server, point providing server, etc.) to provide the point (or mileage) It is preferable to check the mileage, and it is preferable to further check the cash value to be exchanged according to the exchange rate by the provider for the identified points (or mileage).

If there is no point (or mileage) for the customer to pay the communication fee according to the communication fee settlement request in response to the received communication fee settlement request (1525), the settlement processing server 1400 receives the reception. Withdraw the unpaid communication fee from the communication fee payment account that is not paid through the cash value for the point (or mileage) in response to the communication fee settlement request information (1550), and based on the withdrawal of the unpaid communication fee The payment is processed at the communication fee of the customer for the present (or payment) (1555).

On the other hand, in response to the received communication fee settlement request, if there is a point (or mileage) for the customer to pay the communication fee according to the communication fee settlement request (1525), the settlement processing server 1400 is confirmed The cash value of the received point (or mileage) is checked (1530), and the payment is made based on the confirmed cash value to be paid at the communication fee of the customer of the communication charge present (or payment) included in the communication charge settlement request information. (1535).

Thereafter, the settlement processing server 1400 compares the cash value of the identified point (or mileage) with the customer communication rate to which the communication rate present (or payment) target included in the received communication rate settlement request information is compared ( 1540).

For example, when the cash value corresponding to the confirmed point (or mileage) is 10,000 won, and the customer communication fee for the communication charge present (or payment) requesting the payment processing is 15,000 won, the confirmation of the unpaid charge is It is preferable to check the unpaid rate of 5,000 won which subtracts the cash value corresponding to the point (or mileage) from the customer communication rate subject to the communication rate present (or payment).

If the cash value of the point (or mileage) is less than the communication fee present (or payment) customer communication fee included in the received communication fee settlement request information (1545), the settlement processing server 1400 is Withdraw processing of unpaid communication charges according to the payment processing from the communication charge settlement account (1550), and the customer communication for the communication charge present (or payment) included in the received communication charge settlement request information of the withdrawal unpaid communication charges. The fee is paid (1555).

FIG. 16 is a diagram illustrating an operation process of a settlement processing system for processing a communication rate settlement by a gift (or payment) for communication rates between customers according to another embodiment of the present invention.

More specifically, FIG. 16 includes at least one carrier information, a communication bill payment account information, a communication fee present (or payment) target customer information, and a communication rate present (or payment) customer communication fee information from the carrier server 1430. When receiving the communication fee settlement request information to receive, from the communication charge settlement account associated with the unique communication information of the customer communication terminal corresponding to the received communication fee settlement request information received from the communication with the calling party and the customer Withdrawal process of the side communication fee, showing the operation process of the communication charge settlement processing system for depositing the withdrawal amount to the financial account of the telecommunication company of the present invention, if one of ordinary skill in the art Communication charge settlement by a gift (or payment) for communication charges between customers by referring to and / or modifying this drawing 16. Various implementation methods for the operation process of the settlement processing system for the above may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 16, the communication service provider server 1430 shown in FIG. 14 requests a communication channel connection for a communication charge settlement request from the communication service server 1400 shown in FIG. 14 (1600). The settlement processing server 1400 connects the communication channel for the settlement processing (1605).

Thereafter, the telecommunication company server 1430 receives telecommunication company information, telecommunication bill payment account information, telecommunication bill present (or payment) customer information, and telecommunication bill present (or payment) to the settlement processing server 1400 through the telecommunication channel. The communication fee settlement request information including at least one customer communication fee information is transmitted (1610), and correspondingly, the settlement processing server 1400 receives the communication fee settlement received from the communication company server 1430 through the communication channel. The request information is received (1615).

The telecommunication company information is a carrier name, business registration number, corporate registration number, address, telephone number for a telecommunication company that transmits the telecommunication fee settlement request information, when the customers belonging to the telecommunication company requested payment of the communication fee through the financial institution; An e-mail address and the like, a management number (or management code) assigned to manage the telecommunications company by the financial institution, member ID information or CIF (Customer Information File) number assigned by the telecommunications company as a member of the financial institution, and the like. It is preferable to include at least one.

The communication fee payment account information is used by the customer to use a communication service with another customer through a communication company, or using various services provided by the communication company, and the finance to pay the communication fee generated according to the use of the communication service. And account number (or financial account alias, etc.) for the account, and according to the intention of the person skilled in the art, the account holder's customer information (for example, the name of the account holder or the communication fee payment account) for the communication fee payment account. Opening a corresponding customer information file (CIF) number, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g. Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The customer information for the communication fee present (or payment) is the personal information (eg, customer) of the customer who wants to present (or pay) the communication fee by the customer who requested the use of points (or mileage) through the drawings 1 or 8. The name, social security number, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., the information registration system in response to the customer by signing up as a financial transaction customer of the financial institution). And at least one or more of member ID information, or CIF (Customer Information File) number, etc., which are provided in the customer ledger provided on the financial system.

The customer's communication fee information for the communication fee present (or payment) information includes the amount of money withdrawn from the communication fee payment account and the point of the customer for settlement of the communication fee of the customer for the communication fee present (or payment). Or mileage).

Subsequently, the settlement processing server 1400 includes at least one of the received telecommunication company information, telecommunication bill payment account information, telecommunication bill present (or payment) customer information, and telecommunication bill present (or payment) customer communication fee information. In response to the communication fee settlement request information, the customer checks the point (or mileage) (1620).

According to the method of the present invention, the point (or mileage) confirmation of the customer, the point (or mileage) in conjunction with a server (eg, card company server, financial institution server, point providing server, etc.) to provide the point (or mileage) It is preferable to check the mileage, and it is preferable to further check the cash value to be exchanged according to the exchange rate by the provider for the identified points (or mileage).

If, in response to the received communication fee settlement request, there are no points (or mileage) for the customer to pay the communication fee according to the communication fee settlement request (1625), the settlement processing server 1400 receives the reception. Withdraw the unpaid communication fee from the communication fee payment account that is not paid through the cash value for the point (or mileage) in response to the communication fee settlement request information (1650), and based on the withdrawal of the unpaid communication fee The payment is processed at the communication fee of the customer for the present (or payment) (1655).

On the other hand, in response to the received communication fee settlement request, if there is a point (or mileage) for the customer to pay the communication fee in accordance with the communication fee settlement request (1625), the settlement processing server 1400 is confirmed The cash value of the received point (or mileage) is checked (1630), and the payment is made based on the confirmed cash value to be paid at the communication fee of the customer of the communication charge present (or payment) included in the communication charge settlement request information. (1635).

Thereafter, the settlement processing server 1400 compares the cash value of the identified point (or mileage) with the customer communication rate to which the communication rate present (or payment) target included in the received communication rate settlement request information is compared ( 1640).

For example, when the cash value corresponding to the confirmed point (or mileage) is 10,000 won, and the customer communication fee for the communication charge present (or payment) requesting the payment processing is 15,000 won, the confirmation of the unpaid charge is It is preferable to check the unpaid rate of 5,000 won which subtracts the cash value corresponding to the point (or mileage) from the customer communication rate subject to the communication rate present (or payment).

If the cash value for the point (or mileage) is less than the communication fee present (or payment) customer communication fee included in the received communication fee settlement request information (1645), the settlement processing server 1400 is Requesting payment of the unpaid communication fee to the target customer of the communication charge present (or payment) (1650).

According to the present invention, by converting a point (or mileage) into a cash value used for payment of a communication fee, there is an advantage that an effective point (or mileage) can be used.

According to the present invention, by converting a point (or mileage) into cash value and using it for payment of a communication fee, there is an advantage of easily using a point (or mileage) set as a debt in an institution that provides the point (or mileage). .

1 is a diagram illustrating a face-to-face information registration system for linking a point (or mileage) accumulated in correspondence with a financial institution transaction result according to an exemplary embodiment of the present invention with a communication fare payment account.

Figure 2 is stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner in order to link the points (or mileage) accumulated in response to the financial institution transaction results in accordance with an embodiment of the present invention in connection with the communication fee payment account It is a figure which shows the structure of the point (or mileage) use application information.

3 is a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for linking points (or mileage) accumulated in correspondence with financial institution transaction results according to another embodiment of the present invention in connection with a communication fee settlement account; FIG. 1 is a diagram illustrating a configuration of point (or mileage) use application information stored in an associated database.

Figure 4 is a point (or mileage) accumulated in response to the financial institution transaction results in accordance with another embodiment of the present invention stored in the DBMS provided in the banking server in a face-to-face manner in order to link with the communication fee payment account (or Mileage) is a diagram showing the configuration of the application information.

5A and 5B illustrate a process of registering point (or mileage) use application information in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of registering point (or mileage) use application information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering point (or mileage) use application information in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face information registration system for linking points (or mileage) accumulated in correspondence with financial institution transaction results according to another embodiment of the present invention and a communication fare payment account.

Figure 9 is a point (or mileage) accumulated in response to the financial institution transaction results in accordance with an embodiment of the present invention to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for linkage with the communication fee payment account FIG. 7 is a diagram illustrating a structure of stored point (or mileage) use application information.

10 is a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for linking points (or mileage) accumulated in response to financial institution transaction results according to another embodiment of the present invention with a communication fee settlement account. FIG. 9 is a diagram illustrating a configuration of point (or mileage) use application information stored in a database associated with a.

11 is a point (or mileage) accumulated in response to the financial institution transaction results in accordance with another embodiment of the present invention stored in the DBMS provided in the banking server in a non-face-to-face for linking the communication fee payment account ( Or mileage) is a diagram showing the configuration of the application information.

12A and 12B illustrate application of point (or mileage) usage information in a non-face-to-face manner in order to associate a point (or mileage) accumulated in response to a financial institution transaction performance with a communication fare payment account according to an embodiment of the present invention. A diagram illustrating a registration process.

13A, 13B, and 13C illustrate points (or mileage) accumulated in correspondence with financial institution transaction results according to an embodiment of the present invention through a non-face-to-face financial transaction channel for linkage with a communication fee payment account. Mileage) is a diagram illustrating a process of registering the use application information.

FIG. 14 is a diagram illustrating a settlement processing system for a communication fee settlement process by a gift (or payment) for a communication fee between customers according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating an operation process of a settlement processing system for processing a communication rate settlement by a gift (or payment) for a communication rate between customers according to an embodiment of the present invention.

FIG. 16 is a flowchart illustrating an operation of a settlement processing system for processing a communication charge settlement by a gift (or payment) for a communication charge between customers according to another embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: information storage unit 145: electronic document server

150: electronic document receiving unit 155: information generating unit

160: electronic document storage unit 165: electronic document D / B

170: storage medium 175: window terminal

180: information registration terminal

Claims (4)

Registering a plurality of points (or mileages) accumulated to the customer in the ledger in which the communication fee payment account of the customer is opened in response to the transaction of the customer through a bank or a credit card company; Receiving customer information for a communication fee present (or payment) from a terminal used by the customer and registering the customer information in a ledger in which the communication fee payment account is opened; Receiving communication charge information of the communication charge present (or payment) target customer from a telecommunication company server that charges the communication charge to the customer of the communication charge present (or payment); Confirming a cash value of at least one point (or mileage) that can be converted into a cash value among the plurality of points (or mileages) accumulated in the customer; If the cash value of the at least one exchangeable point (or mileage) is confirmed, converting the confirmed point (or mileage) into cash value and paying the communication fee of the customer who is the target of the communication charge present (or payment); Communication rate gift method using a point (or mileage) characterized in that comprises a. The method of claim 1, Confirming unpaid communication rates through the exchanged points (or mileages) among the communication rates of the communication target present (or payment) target customer; And And transferring the unpaid communication fee from the customer's communication account and paying or transmitting the unpaid communication fee to the communication company server to be charged to the customer of the communication charge present (or payment). How to present telecommunication charges using points (or miles). A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for registering a plurality of points (or mileage points) accumulated to the customer in a ledger in which the communication fee payment account is opened in response to the transaction of the customer through a bank or a credit card company; Means for receiving customer communication target (or payment) target customer information from a terminal used by the customer and registering in the ledger in which the communication fee payment account is opened; Means for receiving communication charge information of the communication charge present (or payment) target customer from a telecommunication company server that charges the communication charge to the communication charge present (or payment) target customer; Means for confirming the cash value of one or more points (or mileages) that can be exchanged for a cash value among a plurality of points (or mileages) accumulated to the customer; Means for converting the identified points (or mileages) into cash values when the cash value of the at least one exchangeable point (or mileage) is confirmed and paying the communication fee of the customer subject to the communication charge present (or payment); Communication charge gift system using a point (or mileage), characterized in that comprises a.