KR20090093264A - Method for Complex Payment Gift Certificate Linked with Mobile Banking, Mobile Devices and Program Recording Medium - Google Patents

Abstract

An account transfer settlement unit processing the first payment amount through the account transfer of the no-real-name condition about the online account is provided to process the account transfer of the no-real-name condition through the online account through the merchandise coupon payment. An information checking unit(2045) confirms the payment processing requested through one or more electronic gift certificate corresponding to the gift certificate account. A price calculator(2050) produces the first payment amount through the account transfer of the no-real-name condition through the online account and the second payment amount through the electronic gift certificate. An account transfer payment unit(2070) processes the first payment amount through the account transfer of the no-real-name condition about the online account. An exchange gift payment unit(2075) processes the second payment amount through the electronic gift certificate corresponding to the gift certificate account.

Description

Method for Complex Payment Gift Certificate Linked with Mobile Banking, Mobile Devices and Program Recording Medium}

The present invention has a non-face-to-face financial transaction through an online account of a rechargeable prepaid card attribute including a customer's mobile phone number in a non-face-to-face manner, and a function of processing payment through a gift certificate account associated with the online account. And, when requesting payment through the customer mobile phone, the information confirmation unit for confirming whether the requested payment processing through one or more electronic gift certificates corresponding to the gift certificate account, and the payment request when confirming the payment processing through the electronic gift certificate An amount calculation unit for calculating a first payment amount through an account transfer under the non-real name condition through the online account, a second payment amount through the electronic gift certificate, and the first payment amount as a non-real name for the online account. Account transfer payment unit for payment processing through the account transfer of the condition, and the second payment amount of the gift certificate Via e-voucher corresponding to information associated with a wireless banking including payment voucher section for processing a payment voucher relates to a compound for phone billing.

The continuous development of information and communication technology has led to the development of financial transactions that were provided through face-to-face authentication in the form of non-face-to-face authentication based on the information and communication technology. In accordance with the Law on Trade and Confidentiality and the Concurrent Act (Presidential Decree No. 15744), it must be established through face-to-face verification through face-to-face authentication.

While the above measures have a net function of ensuring the reliability and stability of opening an account, as well as ensuring the soundness of financial transactions through the opened account, the inconvenience of having to visit a window for opening an account, It reverses many net functions of information and communication technology, and includes a problem that includes a reverse function that inhibits aggressive marketing in connection with information and communication technology.

An object of the present invention for solving the above problems, non-face-to-face financial transactions through the online account of the chargeable prepaid card attribute including the customer's mobile phone number in a non-face-to-face through a communication network and a gift certificate account associated with the online account Confirming whether or not the requested payment is processed through at least one electronic gift certificate corresponding to the gift certificate account when using the customer mobile phone having a function of processing payment through the customer phone; Calculating the payment amount through the electronic gift certificate and the second payment amount through the electronic gift certificate when the payment processing is confirmed through the electronic gift certificate; 1 the payment amount is processed through the account transfer on the non-real name terms for the online account, and the second The present invention provides a composite gift voucher payment method associated with a wireless banking comprising the step of processing payment through an electronic voucher corresponding to the gift voucher account.

The mobile phone for gift voucher complex payment linked to the wireless banking according to the present invention is a non-face-to-face financial transaction through an online account of a rechargeable prepaid card attribute including a customer's mobile phone number in a non-face-to-face manner through a communication network, and linked with the online account. And a function of processing a payment through a gift certificate account, and an information confirmation unit for confirming whether the requested payment is processed through at least one electronic gift certificate corresponding to the gift certificate account when a payment request is made through the customer mobile phone; When the payment processing is confirmed through the electronic gift certificate, the amount calculation unit for calculating the first payment amount through the account transfer of the non-real name condition through the online account of the payment request amount, and the second payment amount through the electronic gift certificate; Payment processing for the first payment amount through an account transfer with a non-real name condition for the online account; And a voucher payment unit configured to process a payment through an electronic gift certificate corresponding to the voucher account and the second payment amount.

According to the present invention, the mobile phone for a gift certificate combined payment associated with the wireless banking, priority is more incentive is applied to the customer of the account transfer payment means of the non-real name condition through the online account and the gift certificate payment means through the electronic gift certificate. And a payment means confirming unit configured to confirm a payment target payment method, wherein the amount calculation unit is the maximum amount of payment that can be settled through the identified preferred payment target payment means among the payment requested amounts. It is characterized by calculating the payment amount through the payment means.

On the other hand, the combined gift voucher payment method associated with wireless banking according to the present invention, non-face-to-face financial transactions through the online account of the chargeable prepaid card attribute including the customer's mobile phone number in a non-face-to-face through a communication network, and the online account and When a payment request is made through the customer mobile phone using a customer mobile phone having a function of processing payment through an associated gift certificate account, confirming whether the requested payment is processed through at least one electronic gift certificate corresponding to the gift certificate account. And when the payment processing is confirmed through the electronic gift certificate, calculating a first payment amount through an account transfer under a non-real name condition through the online account and a second payment amount through the electronic gift certificate among the requested payment amount. And paying the first payment amount through wire transfer under a non-blind condition for the online account. Li, and the second payment characterized in that comprises the step of processing a payment through an electronic voucher corresponding to the voucher account.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the gift voucher combined payment method associated with the above-described wireless banking.

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

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

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

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

1 is a diagram illustrating the configuration of an online account-based account transfer payment and a gift certificate complex payment system through a customer wireless terminal according to an embodiment of the present invention.

In more detail, Figure 1 is a payment transfer payment means that includes at least one online account of the interest rate-linked rechargeable prepaid card attribute, or a virtual account attribute to provide a wire transfer payment through a customer wireless terminal in a non-name condition Link through a gift voucher payment method including a gift voucher account linked to an online account, and when processing payment through the customer wireless terminal, online account-based account transfer payment and gift voucher complex payment (e.g., some of the payment amount is non-real name) The present invention relates to a system configuration for processing through online account-based bank transfer payment of the condition, and the other part is processed through gift voucher payment), and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. Online account-based account transfer through the customer's wireless terminal with reference and / or modification It will be possible to infer various implementation methods for the product voucher combined payment system, but the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1, the online account-based account transfer payment and gift voucher combined payment system through the customer wireless terminal includes an online account opening server 100 provided in an online account registration institution that receives an online account opening (or registration) request from a customer. And an online account of the interest rate linked prepaid card attribute, or a virtual account attribute in connection with the online account opening server 100, and an online account opened (or registered). Registering a gift certificate account corresponding to the gift voucher payment means in the, and when the payment processing through the customer wireless terminal, provides an online account module for processing the online account-based account transfer payment and the gift voucher complex payment on a non-real name condition to the customer wireless terminal An online account management server 105 and a customer wireless terminal equipped with the online account module; In the payment processing through the customer's wireless terminal, characterized in that it comprises an online account management server 110 for processing the online account-based account transfer payment and gift voucher complex payment on a non-name condition, the online account management server 105 And a financial system for managing the ledger corresponding to the online account opened (or registered).

According to the embodiment of the present invention, the online account management server 105 and the online account management server 110 may be implemented as one server, or may be implemented as a plurality of servers according to the functional configuration of each server. The present invention is not limited thereby.

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

In more detail, Figure 2 is to open an online account through the communication network from the customer terminal to the online account server 100 without real name confirmation to open an online account (Online Account) capable of financial transactions through the customer wireless terminal in the unnamed state If the online account application information is provided, the online account opening server 100 provides the online account application information provided from the customer terminal to the online account management server 105 provided in the financial institution, thereby providing the online account management server 105. The online account registration system is configured to open an online account corresponding to the online account application information without a real name verification, but provide an online account-based account transfer payment and a gift certificate complex payment under the non-real name condition through the customer wireless terminal. Specifically, the interest rate interlocking rechargeable prepaid card It is a diagram showing a system configuration for opening an online account that can be used for account-based financial transactions (eg, inquiry, transfer, withdrawal, withdrawal, accumulation, etc.) in an unnamed state using attributes.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to open an online account for providing account-based financial transactions in a non-blind state in addition to the online account of the rechargeable prepaid card concept. It will be possible to infer various implementation methods), but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 to perform virtual account attributes (e.g., account-based financial transactions in a non-real name state) with a real account identified as a parent account. Although it may be possible to infer an implementation method for a system for registering an online account including an account attribute processed based on the real name verification condition of the parent account, the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown.

Referring to FIG. 2 according to an embodiment of the present invention, an online account registration system for registering an online account of the interest rate linked prepaid card attribute is connected to an online account opening server 100 through a communication network to confirm a real name ( For example, requesting the online account registration (or opening) without the Act on Financial Real Name Transactions and Confidentiality and the Financial Enforcement Decree (Presidential Decree No. 15744) and requesting the online account registration (or opening). A customer terminal that provides online account application information to the online account opening server 100, and is connected to the customer terminal through a communication network to receive online account application information from the customer terminal and finance the received online account application information. An online account opening server 100 provided to an online account management server 105 provided in an institution, and the online account opening The online account application information from the online account establishment server 100 and connected to the online account application information under the customer's name based on the received online account application information. An online account management server 105 for processing and opening an online account with a new provision, and a financial system for operating the online ledger according to the interest rate linked prepaid card attribute of the online account processed with the new provision; Is done.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system At least one interface module corresponding to a middleware platform and at least one of storing and managing information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of the financial system. And a DBMS (DataBase Management System) including the database described above, wherein the financial transactions through the financial system are based on the law and the Concurrent Enforcement Decree of the Financial Account Name Transaction and Confidentiality (Presidential Decree No. 15744). Valid for real-name financial accounts corresponding to It is processed.

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

According to an exemplary embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal (not shown) and a financial network (for example, a branch network) provided at a branch (or a branch) of the financial institution. It is characterized in that connected through, through the counter terminal (not shown) provides a financial transaction service of the face-to-face manner for at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with the Internet banking server (not shown), the network connected to the TCP / IP-based backbone network (eg, wired Internet, or IEEE 802.11x) through the Internet banking server (not shown) At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, or an IEEE 802.16x based portable Internet, and the wireless LAN / portable Internet. A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop or a mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a wireless banking server (not shown), a wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE) through the wireless banking server (not shown) At least one wireless terminal (e.g., a personal communication system (PCS) or a global system for GSM having a function of accessing and browsing the mobile communication network) connected to an 802.16x-based portable Internet or a wireless data communication network based on DataTAC / Mobitex. A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a mobile terminal or a personal digital assistant (PDA) or a smart phone or telematics.

In addition, the financial system is characterized in that it is linked to an IC chip-based wireless banking server (not shown), and based on a wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server (not shown) At least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communications network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that it is associated with a telebanking server (not shown), and through the telebanking server (not shown) to a wired voice call network (eg, Public Switched Telephone Network (PSTN)) At least one wireless call terminal (e.g., a PCS or GSM terminal or a smart device) connected to at least one wired call terminal (e.g., a telephone) or a wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a phone.

In addition, the financial system is characterized in that associated with a home banking server (not shown), at least one or more home appliances (eg, digital TV connected to a home network) connected to a home network through the home banking server (not shown) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a refrigerator.

In addition, the financial system is characterized in that associated with the TV banking server (not shown), at least one digital TV (eg, interactive digital TV) connected to a return channel through the TV banking server (not shown) , Non-face-to-face financial transaction services to at least one financial transaction customer through satellite DMB terminals, terrestrial DMB terminals, etc.).

According to the present invention, a customer who registers an online account through online accesses the online account opening server 100 through at least one or more customer terminals of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network. Various application services provided by the account opening server 100 are provided.

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

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

The online account opening server 100 may be a search service including at least one information / content or at least one homepage or at least one wired terminal or a customer terminal including at least one wireless terminal through a wireless communication network. It is preferable to include a personalization service including a blog, a mail service, a messenger service, or a portal server or a search server that provides various information providing services.

According to the present invention, the online account opening server 100 includes an online account application interface including at least one user interface for the customer to apply for the online account through the wired communication network or the communication network including the wireless communication network. And providing to the customer terminal, wherein the customer terminal inputs (or selects) the online account application information through the online account application interface to the online account through a wired network or a communication network including a wireless communication network. It is characterized in that the transmission to the establishment server (100).

To this end, the customer terminal outputs the online account application interface provided from the online account opening server 100 and inputs or selects at least one online account application information through the online account application interface to open the online account. It is preferable that a function configuration (for example, a browser program and communication function, or a communication program and communication function for communicating with the online account opening server 100, etc.) for transmitting to the server 100 is provided.

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

According to an embodiment of the present invention, the online account opening server 100 is characterized in that it comprises an interface unit 200 for connecting and managing the communication channel with the customer terminal through the communication network.

According to an exemplary embodiment of the present invention, when the customer terminal includes a wired communication network, a wired terminal connected to a wireless communication network, or a wireless terminal, the interface unit 200 includes a protocol stack defined in the wired network or a wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the communication protocol defined in the communication program provided in the customer terminal and connecting the communication channel with the customer terminal based on.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 200 connects a communication channel with the customer terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the customer terminal is provided with a communication program provided by the online account opening server 100, the interface unit 200 connects the communication channel with the customer terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in a communication program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a wireless communication network, the interface unit 200 establishes a communication channel with the customer terminal based on a protocol stack defined in the wireless network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 200 connects a communication channel with the customer terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Referring to FIG. 2, the online account opening server 100 is connected to the online account opening server 100 through the interface unit 200 or when an online account is applied to the online account opening server 100. Interface providing unit 205 for generating a user interface (or extracting from a web source D / B (not shown)) to allow the customer terminal to input (or select) and transmit the online account application information to the customer terminal. ), An information receiving unit 215 for receiving the online account request information inputted (or selected) and transmitted from the customer terminal through the user interface in association with the interface unit 200, and the received online account request information. It is characterized in that it comprises an information relay unit 225 for providing to the online account management server 105 provided in a financial institution through a financial network.

In addition, the online account opening server 100 is a search service including at least one or more information / content to at least one or more customer terminals in conjunction with the interface unit 200, or a personalized service including a mini homepage / blog, or And a web service unit 210 that provides a web service including at least one of a mail service, a messenger service, or various information providing services. If you have, the online account opening server 100 will be familiar with how to provide the web-based service to at least one or more customer terminals to perform the function of a portal server or a search server, a detailed description thereof Omit for convenience.

In addition, the online account opening server 100, the online account application information received from the customer terminal through the information receiving unit 215 for the post-management of the online account application information received through the information receiving unit 215. An information storage unit 220 for storing online account issuance information included in the storage medium or at least one of online account information generated by the online account management server 105 based on the online account application information. Characterized in that it further comprises, wherein the online account issuance information is the online account security information received from the customer terminal, the new provision processing agreement information (or new provision application information), virtual account processing information, non-face-to-face financial transactions At least one or more consent information (or non-face-to-face financial transaction application information), etc. It is desirable to lose.

According to an embodiment of the present invention, the information storage unit 220, the online account opening server 100 is the online account management for the non-real-name online account-based account transfer payment and the gift certificate complex payment through the customer wireless terminal management When the gift certificate account information is generated by the server 105 and associated with the online account, the gift certificate account information generated by the online account management server 105 is associated with the online account information (or included in the online account issue information). It is preferable to store in the storage medium.

The interface providing unit 205 is connected to the online account opening server 100 through the interface unit 200, or when applying for an online account, the online account corresponding to the functional configuration provided in the customer terminal Input (or select) the application information to generate an online account application interface that can be transmitted to the online account opening server 100 through the communication network, or extracted from a database (not shown), and the interface unit 200 And providing the online account application interface generated (or extracted from a web source D / B (not shown)) to the customer terminal through the communication network.

Thereafter, the client terminal inputs (or selects) the online account application information on the basis of the online account application interface, and opens the online account application server 100 through the communication network with the input (or selection) of the online account application information. To send).

According to an embodiment of the present invention, when the customer terminal includes a wired terminal connected to a wired communication network, the interface providing unit 205 may apply for a browser program provided in the wired terminal or an online account that can be provided as a communication program. The interface is generated (or extracted from the web source D / B (not shown)), and the online account application interface generated through the interface unit 200 (or extracted from the web source D / B (not shown)) is read. It is desirable to provide to the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a wireless communication network, the interface providing unit 205 may provide a browser program provided in the wireless terminal, or an online account provided by a communication program. Generate an application interface (or extract from the web source D / B (not shown)), and the online account application interface generated through the interface unit 200 (or extracted from the web source D / B (not shown)) It is preferable to provide to the customer terminal.

According to an embodiment of the present invention, the online account application interface may include an interface for selecting at least one or more online accounts to which the customer applies (or purchases) from at least one or more online accounts.

The online account application interface preferably includes an interface for confirming that the customer has confirmed detailed information about the online account.

In addition, the online account application interface, preferably outputs the terms and conditions information corresponding to the online account to the customer terminal, the customer includes an interface that agrees to the terms and conditions.

The online account application interface may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the online account, and a financial account for depositing (or transferring) the amount to the online account. It is preferable to include an interface for inputting information (for example, original account information for depositing an amount into an online account).

In addition, the online account application interface may input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the online account, Or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the online account opening server 100.

In addition, the online account application interface, preferably comprises an interface for inputting (or selecting) customer wireless terminal information for online account-based account transfer payment and gift voucher complex payment on a non-named condition via the customer wireless terminal.

Thereafter, the customer terminal provides online account selection information for selecting at least one or more online accounts that the customer requests to open (or register) among the plurality of online accounts through the online account application interface, and the terms corresponding to the online accounts. Input (or select) consent information, the online account deposit amount information, customer information for the online account request customer, and online account request information including at least one customer wireless terminal information; Transfer to the account opening server 100.

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

The online account security information may further include PIN (Personal Identification Number) information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereby.

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

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted in an encrypted manner and transmitted to the online account opening server 100.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rules processing period information (e.g., a period in which the online account is processed and operated before the verification of the real name of the financial account for the online account) is output to the customer terminal, and the customer is in the provisions of the provisions of the provisions of the new provisions and the provisional processing period It is preferable to further include an interface for inputting (or selecting) false information processing consent information for agreeing to the information, or false information applying for the customer to apply for false information for the online account.

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

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

According to an embodiment of the present invention, the online account application interface may be configured to process a prepaid rechargeable prepaid card to process the online account to register the online account corresponding to the online account application information as the interest rate linked prepaid card attribute. And an interface for outputting card processing information to the customer terminal and inputting (or selecting) rechargeable prepaid card processing agreement information for which the customer agrees with the rechargeable prepaid card processing information.

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

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

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account application customer has not processed a financial transaction with the financial institution), the online account application interface is a financial transaction application for processing the first financial transaction with the financial institution through the client terminal. And outputting the terms and conditions information and confirming that the customer has agreed to the financial transaction application terms, and the interface may be omitted if the customer is a financial transaction customer of the financial institution, or According to the intention of the skilled person the interface is It is displayed but may be included in non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information).

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer applies for the financial transaction to the financial institution. The interface can be omitted, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. The financial transaction application information is transmitted to the online account opening server 100 through the communication network, or the online account application server further includes the financial transaction application information (not shown) in the online account application information. In FIG. 2, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below.

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, or a TV banking member, or a home banking member), the online account application interface processes at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution through the client terminal. Non-face-to-face financial transaction terms and conditions (e.g., Internet banking subscription terms) Information, or wireless banking subscription terms information, TV banking subscription terms information, or home banking subscription terms information, etc.), and the non-face-to-face financial transaction agreement information that the customer agrees to the non-face-to-face financial transaction terms information, or the customer The non-face-to-face financial transaction application for applying for the non-face-to-face financial transaction preferably further comprises (or select) the interface.

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

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. After inputting (or selecting) the face-to-face financial transaction application information), the online account opening server 100 receives the input (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the communication network. Or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information to the online account opening server 100 through the communication network.

According to an embodiment of the present invention, the online account application interface may include an interface for inputting (or selecting) gift certificate payment means application information for non-real name online account-based account transfer payment and gift certificate complex payment through the customer wireless terminal. It is preferable to comprise.

When the customer terminal is provided with an interface for inputting (or selecting) gift card payment means application information for an online account-based account transfer payment and a gift voucher complex payment on a non-real name condition through the customer wireless terminal, the customer terminal is provided through the interface. After inputting (or selecting) the gift certificate payment means application information, the input (or selection) of the gift certificate payment means application information is transmitted to the online account opening server 100 through the communication network, or the online account application information. It further includes the gift certificate payment means application information to the online account opening server 100 via the communication network.

When the customer terminal inputs (or selects) online account application information through the user interface and transmits the information through the communication network, the information receiver 215 receives the online account application information in cooperation with the interface unit 200. The received online account application information is provided to the information relay unit 225 or the information storage unit 220.

Here, the online account application information may include online account selection information for selecting at least one online account that the customer requests to open (or register) among the plurality of online accounts, agreement information corresponding to the online account, Preferably, at least one of the online account deposit amount information is included.

In addition, when the customer terminal inputs (or selects) the online account security information through the user interface and transmits it through the communication network, or when the customer terminal includes the online account security information in the online account application information and transmits it. The information receiving unit 215 may be configured to receive the online account security information in conjunction with the interface unit 200, and the received online account security information may be received from the information relay unit 225 or the information storage unit. Provided at 220.

In addition, the customer terminal inputs (or selects) the provisional processing agreement information (or provisional application information) through the user interface and transmits it through the communication network, or the provisional processing agreement information (or When the new provisional application information is included in the online account application information and transmitted, the information receiving unit 215 cooperates with the interface unit 200 to receive the temporary provisional processing consent information (or the new provisional application information). Characterized in that, the received provisional processing agreement information (or provisional application information) is provided to the information relay unit 225, or information storage unit 220.

In addition, the customer terminal inputs (or selects) the rechargeable prepaid card processing agreement information through the user interface and transmits it through the communication network, or the rechargeable terminal prepaid card processing consent information is stored in the online account application information through the user interface. Including the transmission, the information receiving unit 215 receives the rechargeable prepaid card processing consent information in conjunction with the interface unit 200, the information relay receiving the received prepaid rechargeable card processing agreement information 225 or the information storage unit 220.

Further, when the customer terminal inputs (or selects) financial transaction application information through the user interface and transmits the information through the communication network, or when the customer terminal includes the financial transaction application information in the online account application information. The information receiving unit 215 may be configured to receive the financial transaction application information in conjunction with the interface unit 200, and the received financial transaction application information may be received from the information relay unit 225 or the information storage unit. Provided at 220.

In addition, the customer terminal inputs (or selects) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface and transmits the data through the communication network, or the non-face-to-face financial transaction in the customer terminal. When the agreement information (or non-face-to-face financial transaction application information) is included in the online account application information and transmitted, the information receiving unit 215 works in conjunction with the interface unit 200 to provide the non-face-to-face financial transaction agreement information (or non-face-to-face). Financial transaction application information), and provides the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the information relay unit 225 or the information storage unit 220. .

In addition, the customer terminal inputs (or selects) a gift certificate payment means application information through the online account request interface through the communication network or transmits the gift certificate payment means application information to the online account application information through the online terminal. Including the transmission, the information receiving unit 215 receives the gift certificate payment means application information in connection with the interface unit 200, the information relay unit 225 ) Or the information storage unit 220.

The information storage unit 220 stores the online account application information received through the information receiving unit 215 in a storage medium by including the online account issuing information, thereby opening the online account opening server 100. (Or an online account opening server 100 operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium.

When the online account security information is received through the information receiving unit 215, the information storage unit 220 stores the online account issuing information obtained by linking the online account security information to the online account application information on the storage medium. The online account security information is used to authenticate at least one or more financial transactions using the online account at the online account opening server 100 (or a financial transaction server using the online account).

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 215, the information storage unit 220 is the provisional processing agreement information (or provisional provision application) to the online account application information. And storing the online account issuance information associated with the information) in the storage medium, wherein the provisional processing agreement information (or provisional application information) is stored in the online account opening server 100 (or the online account). Used financial transaction server) to provide a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 215, the information storage unit 220 displays the online account issuing information obtained by linking the rechargeable prepaid card processing consent information to the online account application information. And storing the prepaid rechargeable card processing agreement information in the storage medium until the financial real name of the online account is confirmed by the online account opening server 100 (or a financial transaction server using the online account). Provides a basis for processing at least one or more financial transactions using a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 215, the information storage unit 220 may add the non-face-to-face financial transaction agreement information to the online account application information ( Or storing the online account issuing information in which the non-face-to-face financial transaction application information is linked to the storage medium, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is the online account opening server. At step 100 (or the financial transaction server using the online account), the basis for processing the at least one financial transaction using the online account is provided until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 220 is opened by the online account management server 105, the online account corresponding to the online account application information, the online account opening server 100 (or The online account information opened by the online account management server 105 to process at least one or more financial transactions using the online account in the online transaction account issuing information). It is preferable that the online account application information stored in the storage medium or included in the online account issuance information is replaced with the online account information opened by the online account management server 105, and thus the present invention is not limited thereto. .

Here, the online account information may be stored in the online account number in the form of a prepaid card number generated by the provisional opening unit 240 and the prepaid card processing unit 245 of the online account management server 105 and the online account application information. It is preferable to include the account holder information corresponding to the customer information included, the online account opening institution information and the financial institution information that the online account is opened.

According to an embodiment of the present invention, the online account number preferably comprises the customer wireless terminal information.

The information relay unit 225 finances the online account application information received through the information receiving unit 215 to the online account (for example, an online account corresponding to the online account is opened) through a financial network. It is characterized in that the relay transmission to the online account management server 105 provided in the institution.

Here, the financial network connecting the online account opening server 100 and the online account management server 105 may block access by a third party other than the online account opening server 100 and the online account management server 105. A dedicated communication network or a secure communication network that provides a secure communication function between the online account opening server 100 and the online account management server 105 (eg, encrypts the online account application information in an encryption manner in an online account opening server 100). And a communication network for transmitting to the online account management server 105 and decrypting the online account application information through a decryption method corresponding to the encryption method in the online account management server 105).

When the online account security information is received through the information receiving unit 215, the information relay unit 225 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 105 provided in the financial institution (in which the online account is opened), whereby the online account management server 105 opens the online account in the financial system provided in the financial institution The server 100 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 215, the information relay unit 225 transmits the provisional processing agreement information (or provisional application information) to the financial network. It is characterized in that the transmission through the online account management server 105 provided in a financial institution corresponding to the online account (for example, an online account corresponding to the online account is opened) through which the online account management server ( 105 establishes a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 215, the information relay unit 225 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 105 provided in the financial institution (in which the online account is opened), whereby the online account management server 105 is a conventional customer of the financial institution If not, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 215, the information relay unit 225 corresponds to the online account through the financial network (eg, the online). It is characterized in that the relay transmission to the online account management server 105 provided in the financial institution (in which the online account corresponding to the account is opened), whereby the online account management server 105 to the financial system provided in the financial institution An online account corresponding to the online account application information is opened as an interest rate linked prepaid card attribute.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 215, the information relay unit 225 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed to the online account management server 105 provided in a financial institution corresponding to the online account (for example, an online account corresponding to the online account is opened) through a financial network. By doing so, the online account management server 105 opens an online account in a non-face-to-face manner in the financial system provided at the financial institution in which the online account opening server 100 processes the financial transaction using the online account.

When the gift certificate payment means application information is received through the information receiving unit 215, the information relay unit 225 corresponds to the online account through the financial network (for example, to the online account). And relaying to the online account management server 105 provided in the financial institution where a corresponding online account is established, whereby the online account management server 105 transmits the wireless information to the customer through the gift certificate payment means application information. Create a voucher account for online account-based account transfer payment and gift voucher complex payment on a non-real name condition through the terminal and register by processing in association with the online account.

According to another exemplary embodiment of the present invention, when the online account management server 105 is provided with an online account opening server 100 function or the online account management server 105 is a banking server, the information relay unit ( 225 connects and relays the client terminal and the online account management server 105 so that the online account management server 105 receives the online account application information (or trail processing agreement information (or trail) from the client terminal. Rule application information), or online account security information, financial transaction application information, or prepaid rechargeable card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift card payment instrument application information). It is possible to relay directly to provide a user interface for receiving, whereby the online account management server 105 communicates. The online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, the financial transaction application information, or the rechargeable prepaid card processing consent information, or non-face-to-face) from the customer terminal through the network; It is possible to directly receive financial transaction agreement information (or non-face-to-face financial transaction application information), or gift certificate payment means application information), whereby the present invention is not limited.

According to another embodiment of the present invention, at least one online account opening server 100 and the online account management server 105 may be relayed between the online account opening server 100 and the online account management server 105. Or relay the online account opening server 100 and at least one online account management server 105, or relay the at least one online account opening server 100 and at least one online account management server 105. It is possible that a relay server (not shown) is further provided, thereby the present invention is not limited.

Referring to FIG. 2, the online account management server 105 may include online account application information (or false new processing agreement information (or false new application information)) provided from the online account opening server 100 through the financial network. Or an application information receiving unit for receiving online account security information, financial transaction application information, rechargeable prepaid card processing consent information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information, or gift card payment method application information). 235, and a new provision establishment section 240 for opening a new online account corresponding to the online account application information received through the application information receiving unit 235 in association with the financial system, and the new provision opening The prepaid card processing unit 245 for processing the online account with the interest rate-linked rechargeable prepaid card, and the online account of the interest rate-linked rechargeable prepaid card attribute. Confirm the real name of the financial transaction application customer for the real name of the financial transaction application for the online account opened in correspondence with the online account application information, and the real name management unit 250 managed before the real name verification for the online account application customers within the real name verification period A real name verification unit 255 for checking whether the real name of the online account opened under the provisional provisions corresponding to the online account application information is verified, and a new financial account for processing the online account created with the provisional provision as a new financial account; It is characterized by comprising an account processing unit 260.

The application information receiving unit 235 is the online account application information (or false new processing agreement information (or false new application information), or online account security information provided from the online account opening server 100 through the financial network, or Receiving financial transaction application information, rechargeable prepaid card processing consent information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift certificate payment instrument application information), and receiving the received online account. Application Information (or Tentative Processing Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Rechargeable Prepaid Card Processing Agreement Information, or Non-Faceless Financial Transaction Agreement Information (or Non-Faceless Financial Transactions) Application information), or gift certificate payment means application information) is provided to the new provision establishment unit 240.

In accordance with an embodiment of the present invention, the online account application information provided from the online account opening server 100 (or the provisional processing agreement information (or provisional application information), the online account security information, the financial transaction application information, Or when the rechargeable prepaid card processing consent information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift card payment instrument application information) is encrypted, the application information receiver 235 applying for the encrypted online account. Information (or false transaction processing information (or false application information), or online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application) Information) or gift card payment means application information).

The new provision opening unit 240 is the online account application information (or new provision processing agreement information (or new provision application information), or an online account) from the online account opening server 100 through the application information receiving unit 235 Apply for the online account if security information, financial transaction application information, rechargeable prepaid card processing consent information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift voucher payment method application information is provided. Information (or false transaction processing information (or false application information), or online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application) Information) or voucher payment method application information) and the online account application information (or false transaction) through the financial system. Consent information (or new application information), online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial application information), or payment of gift certificates And an online account corresponding to the means application information).

Here, the new provision opening unit 240 is the online account application information (or the provisional processing agreement information (or provisional application information), or online account security information, financial transaction application information, or rechargeable prepaid card processing consent information) , Or to open an online account corresponding to non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) or gift certificate payment instrument application information) on the basis of the ledger D / B provided on the financial system. The online account application information (or the provisional processing consent information (or the provisional application information), or the online account security information, or the financial transaction application information, or the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction consent information (or non Customer ledger corresponding to face-to-face financial transaction application information) or gift card payment method application information (if the customer ledger is already registered), , Including registering the at least one online account ledger (e.g., received online account ledger corresponding to the application information) is characterized in that formed.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is preferable to register with D / B and store the pseudonym information for managing the online account in association with the online account ledger.

According to another embodiment of the present invention, the online ledger for the online account corresponding to the online account application information is in the form of an account ledger corresponding to a virtual account associated with a parent account based on the online account application information. It is preferable to register with the ledger D / B, wherein the mother account is registered with the ledger D / B on the financial system in order to register the customer financial account or the online account, which is already opened in the ledger D / B on the financial system. It is possible to include at least one or more of the above-described financial institution account, thereby the present invention is not limited.

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

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

That is, the new provision opening unit 240 is the online account application information (or new provision processing agreement information (or new provision application information), or online account security information received through the online account establishment server 100, or Based on financial transaction application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), or gift card payment instrument application information), In connection with the information system, a procedure of opening the online account (for example, a procedure of registering an online ledger) is performed, and the result is provided to the prepaid card processing unit 245.

Those skilled in the art to which the present invention pertains, detailed procedures for opening the online account (for example, registering an online ledger) by the provisional opening unit 240 in conjunction with the financial system. Since it will be understood, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 245 is characterized in that for processing the online account (or online account ledger) opened by the new provision opening unit 240 as a rechargeable prepaid card, wherein the rechargeable prepaid card is a financial real name transaction And withdrawal of the deposit amount (or the recharge amount) without violating the Secret Security Act and the Concurrent Decree (Presidential Decree No. 15744).

In addition, it is preferable that the online account processed by the prepaid card processing unit 245 as a rechargeable prepaid card is provided with a function of an interest rate-linked rechargeable prepaid card in which interest is calculated on the charge amount.

According to the exemplary embodiment of the present invention, the prepaid card processing unit 245 replaces the account ledger information included in the online account ledger with the rechargeable prepaid card information, thereby establishing the online established by the provisional opening unit 240. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 245 replaces the account number included in the online account ledger with a prepaid card number, replaces the product type with a "interest rate linked rechargeable prepaid card," and replaces the account interest rate with the prepaid card. By replacing the account password with a Personal Identification Number (PIN) for the rechargeable prepaid card and replacing the account balance with the rechargeable prepaid card charge, thereby opening the online established by the provisional opening unit 240. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 245 associates the prepaid rechargeable card information with the online account ledger in a relational manner, thereby providing the online account opened by the provisional opening unit 240. Or online account ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 245 deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN and the like, it is preferable to treat the online account (or online account ledger) opened by the provisional opening unit 240 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 245 stores the rechargeable prepaid card information in a database linked to the ledger D / B in which the online account ledger is registered. It is preferable to process the online account (or online account ledger) opened by a rechargeable prepaid card.

For example, the prepaid card processing unit 245 deactivates the account number, product type, interest rate, password, etc. included in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN in a database linked with the ledger D / B registered with the online ledger, the online account (or online ledger) opened by the provisional opening unit 240. ) Is preferably treated with a rechargeable prepaid card.

Thereafter, the new provision management unit 250 is characterized by operating by processing the online account opened as the new provision to the rechargeable prepaid card until the real name confirmation for the customer applying for the online account.

According to the implementation method of the present invention, the provisional management unit 250 is to process the charge to the rechargeable prepaid card when the deposit amount (or account transfer) to the online account through the financial system; It is characterized by.

In addition, when the amount of money is withdrawn (or account transfer) to the online account through the financial system, the new provision management unit 250 processes the withdrawal amount as using the amount charged to the rechargeable prepaid card. It is done.

In addition, when interest is calculated for the amount deposited in the online account (or charged in the rechargeable prepaid card) through the financial system, the new provision manager 250 charges the interest in the rechargeable prepaid card. It is characterized by.

By treating the online account with a rechargeable prepaid card as described above, the provisional management unit 250 violates the law and the concurrent law (Presidential Decree No. 15744) on financial real name transactions and confidentiality until the real name is verified. prevent.

The real name verification unit 255 is the law and concurrent orders on the financial real name system transactions and confidentiality while the online account opened by the new provision opening unit 240 is managed by the new provision management unit 250 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within the real name verification period.

According to an embodiment of the present invention, the real name confirmation unit 255 is the online account for the online account through a window terminal (not shown) through a window terminal (not shown) associated with the financial system (not shown) It is desirable to verify that the real name of the applying customer is confirmed.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account application customer in the institution), the real name verification unit 255 is the online authentication for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the In the case where the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 255 may be configured to receive the online account verification through the certificate-based real name verification process defined in the wireless banking system. It is advisable to verify that the real name of the customer applying for the online account is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking or home banking or TV banking customer corresponding to the financial institution. (Eg, when the financial institution has executed the real name verification process for the online account application customer), the real name verification unit 255 is a public certificate based real name verification process defined in the wireless banking system It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed, and the present invention is not limited thereto.

According to the implementation method of the present invention, the real name verification unit 255 is provided in the financial system (or equipped with a financial institution) in order to confirm the real name for the online account application customers within the real name verification period It is desirable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using the function.

Alternatively, the real name verification unit 255 uses a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within the real name verification period. Therefore, it is preferable to periodically request the online account applicant to perform the real name verification procedure for the online account.

Alternatively, when the online account request customer is a conventional financial transaction customer for the financial institution, the real name verification unit 255 requests the online account request to confirm the real name of the online account request customer within the real name verification period. A window terminal (not shown) based financial transaction corresponding to the financial institution, or a financial terminal based financial transaction including a CD / ATM, or an internet banking based financial transaction, or a wireless banking based financial transaction, or a telebanking based financial transaction. During a transaction, or a home banking based financial transaction, or a TV banking based financial transaction, it is desirable to request the online account applying customer to perform a real name verification procedure for the online account in connection with the financial transaction system.

If the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 255 generates the real name verification information for the online account request customer and provides the new account processing unit 260.

Or, if the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 255 generates unreal name verification information for the online account request customer to provide to the new account processor 260 do.

When real name verification information is provided from the real name verification unit 255 including the real name of the online account requesting customer within the real name verification period, the new account processing unit 260 is connected with the financial system. The online account processed as a new provision by the provisional opening unit 240 or the provisional management unit 250 is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 255 including the real name of the on-line account request customer confirmed within the real name confirmation period, the new account processing unit 260 The online account processed by the new provision opening unit 240 or the new provision management unit 250 as a new provision in connection with the external or information system provided in the financial system as a valid new financial account capable of all financial transactions It is preferable to process.

According to an embodiment of the present invention, when the lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit 260 may It is preferable to unlock the online account in connection with an external or information system provided in the financial system, whereby the online account processed as the provisional provision is processed as a valid new financial account capable of all financial transactions. .

According to another embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened online account is linked with the online account and has a withdrawal prevention function. In the case of the transfer, the new account processing unit 260 returns (or re-transfers) the amount deposited in the withdrawal virtual account to the online account in connection with the external system or the information system provided in the financial system, or It is desirable to remove (or erase) the withdrawal virtual account, whereby the online account processed as a pseudonym is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When the amount of money is deposited (or deposited) into the online account processed as the virtual account equipped with the withdrawal prevention function by the account, the new account processing unit 260 and the external system or information system provided in the financial system; Releasing the withdrawal prevention function of the online account processed with the virtual account equipped with the withdrawal prevention function, and providing (or erasing) the virtual account function associated with the new account processing mother account and processing it with the online account. Preferably, the online account processed by the pseudonym is processed into a valid new financial account capable of all financial transactions.

According to the method of the present invention, when the new account processing unit 260 processes the online account as a valid new financial account capable of all financial transactions, the online account opening date is the application information receiving unit 235 opens the online account. The online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction) from the server 100. Date of receiving consent information (or non-face-to-face financial transaction application information, or gift certificate payment instrument application information), or a date when the new provision opening unit 240 opened the online account on the financial system as a new provision It is desirable to apply retrospectively to either date.

Referring to FIG. 2, when the online account including the interest rate-linked rechargeable prepaid card attribute is opened with a new provision, the online account management server 105 may perform a non-real name through the customer wireless terminal on the basis of the gift certificate application information. Gift certificate account processing unit 265 for generating gift certificate account information for the online account-based account transfer payment and gift voucher complex payment of the conditions, and register the generated gift certificate account information in the online account ledger including the interest rate-linked prepaid card attribute It characterized by comprising a.

When the online account including the interest rate-linked rechargeable prepaid card attribute is opened as a new one, the gift certificate account processing unit 265 sends the gift certificate application information to the online account-based account transfer payment and gift certificate under the non-real name condition through the customer wireless terminal. Generating gift certificate account information in which one or more electronic gift certificates for complex payment are to be deposited, and registering the generated gift certificate account information in an online account ledger including an interest rate linked prepaid card attribute in association with the financial system; do.

Referring to FIG. 2, the online account management server 105 provides an online account for providing an online account module to the customer wireless terminal to process an online account-based account transfer payment and a gift voucher complex payment under a non-real name condition through the customer wireless terminal. It is characterized by comprising a module providing unit 270.

The online account including the interest rate-linked rechargeable prepaid card attribute is opened as a new account, and the gift certificate account information for the non-real-name online account-based payment and the gift voucher complex payment are generated through the customer wireless terminal. When registered in the online account module providing unit 270 is a non-real name financial transaction (eg, account transfer payment) through the online account of the interest rate linked prepaid card attribute and the non-real name condition based on the gift certificate account Create an online account module (or extract from a database (not shown)) that processes the online account and gift voucher complex payment of the customer, and the generated (or extracted) online account module customer wireless terminal information included in the online account application information It provides to the customer wireless terminal through a wireless communication network corresponding to the It shall be.

Here, the online account module preferably comprises a virtual machine operating in the customer wireless terminal, if the person having ordinary knowledge in the technical field to which the present invention belongs, the customer wireless terminal through the wireless communication network Since you will be familiar with the various technical features of providing an online account module, a detailed description thereof will be omitted for convenience.

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

In more detail, Figure 3 stores the online account ledger of the interest rate-linked rechargeable prepaid card attribute in the ledger information stored in the ledger D / B provided in the DBMS on the financial system shown in Figure 2, and the online account The structure of online account ledger information for processing with a new account is shown. Specifically, the account ledger information included in the online ledger registered in the ledger D / B is replaced with the rechargeable prepaid card information, thereby providing the online ledger information. A method of implementing a corresponding online account with a rechargeable prepaid card.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to open the online account in the ledger D / B and operate a new prepaid card that operates as an interest rate linked prepaid card. Various information configuration methods for the online ledger can be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, the reception ledger, loans) Ledger, etc.) and at least one information associated with the account ledger, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and the account ledger shown in FIG. 3, at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers is further included. Since it will be clearly understood, and will be familiar with specific technical matters, the detailed description thereof will be omitted for convenience.

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

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

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

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

According to the method of the present invention, a provision of a new provision or a new provision management section of the online account management server 105 shown in FIG. 2 to process the online ledger as a provisional account is provided in the financial system. In connection with the alien or information system, generate false information processing information including the account number (or prepaid card number) for the online account, the date of establishment of a new provision, the date of real name verification expiration, the extension of the real name identification period, and the deposit before real name verification; The linkage processing information generated as the additional information corresponding to the online account ledger is stored.

Here, the new provision processing information is preferably generated based on the online account application information or the new provision processing agreement information (or new provision application information) received from the customer terminal on the online account registration system shown in FIG. In the online account registration system shown in FIG. 2, when the provisional processing agreement information (or provisional application information) is omitted, the provisional processing information included in the online ledger is also preferably omitted. The present invention is not limited.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises that it is difficult to verify the real name of the customer applying for an online account for the online account, or if the provisional terms and conditions information includes an automatic extension agreement for the real name verification expiration date, Apply for an online account to verify your real name.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, when the amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, the real name The pre-confirmation deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card charge).

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

Referring to FIG. 3, the prepaid card processing unit of the online account management server 105 shown in FIG. 2 processes the online ledger as a rechargeable prepaid card in connection with an external system or information system provided in the financial system. To this end, the account number included in the online ledger is replaced by a prepaid card number, the product type is replaced by a product of the "interest rate linked rechargeable prepaid card" attribute, the account interest rate is replaced by a prepaid card linked rate, The password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a product of the "interest rate linked rechargeable prepaid card" attribute according to the present invention, the real name after checking the real name It is preferable to return to the original account attribute of the processed new financial account.

In addition, the prepaid card charge amount is an amount charged in the interest rate-linked prepaid card (= online account), it is preferable that after the real name is confirmed is reduced to the balance of the new financial account processed.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

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

According to an embodiment of the present invention, a gift certificate account processor of the online account management server 105 shown in FIG. Gift certificate account information including one or more of the gift certificate account number, gift card par value, gift certificate issuer, gift voucher usage period, and voucher expiration date, in connection with the external or information system provided in the Characterized in that it is linked and stored, the gift certificate account information is preferably linked to the online account ledger through a prepaid card number.

Here, the gift certificate account number, preferably comprises an account ID assigned to the customer for the online account-based account transfer payment and the gift voucher complex payment of the non-name condition through the customer wireless terminal.

In addition, the amount of the gift certificate face value preferably comprises a face value corresponding to the electronic gift certificate deposited in the gift certificate account, it is preferable that payment through the gift certificate payment means is made within the face value of the gift certificate.

In addition, the gift voucher issuing institution issuing an electronic voucher to be deposited in the gift certificate account, the amount of the electronic voucher purchased in the gift certificate account, or the amount charged with the electronic voucher deposited in the gift certificate account is the gift voucher issuing institution. It is preferable to deposit.

In addition, the gift voucher destination is preferably made on-line or off-line stores (or merchants) that can be paid using the electronic voucher deposited in the gift voucher account, the payment target through the customer wireless terminal is the destination. When matched with, it is preferable that the online account-based account transfer payment and gift certificate payment through the customer wireless terminal is linked.

In addition, the validity period of the gift certificate preferably includes a period (or expiration date and time) in which the electronic gift certificate deposited in the gift certificate account can be used.

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

In more detail, Figure 4 stores the online account ledger of the interest rate-linked rechargeable prepaid card attribute in the ledger information stored in the ledger D / B provided in the DBMS on the financial system shown in Figure 2, and the online account The structure of online account ledger information for processing with a new account is shown. Specifically, the prepaid recharge card information is stored in a relational form in the online account ledger registered in the ledger D / B, thereby corresponding to the online ledger. It is about the implementation method of processing an online account with a rechargeable prepaid card.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 4 to open the online account in the ledger D / B and operate a false prepaid card that operates as an interest rate linked prepaid card. Various information configuration methods for the online ledger can be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, ledger, loan Ledger, etc.) and at least one information associated with the account ledger, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and the account ledger shown in Figure 4, at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers is further included. Since it will be clearly understood and detailed technical matters will be understood, detailed description thereof will be omitted for convenience.

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

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

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, or an account number corresponding to the ledger, a deposit amount, face value, and yearly Trust reception information including at least one or more days and the number of shares, or an account number corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

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

According to the present invention, the provision of a new provision or a new provision of the online account management server 105 shown in Figure 2 in connection with the external system or information system provided in the financial system, the account number for the online account (Or prepaid card number), the new provisional date, the real name verification expiration date, extension of the real name verification period, and the new provision processing information including the deposit before the real name verification, and corresponding to the online account ledger Characterized in that the additional information to the processing to store.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises that it is difficult to verify the real name of the customer applying for an online account for the online account, or if the provisional terms and conditions information includes an automatic extension agreement for the real name verification expiration date, Apply for an online account to verify your real name.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, when the amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, the real name The pre-confirmation deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card charge).

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

Referring to FIG. 4, the prepaid card processing unit of the online account management server 105 shown in FIG. 2 processes the online ledger as a rechargeable prepaid card in connection with an external system or information system provided in the financial system. In order to deactivate the account number, product type, interest rate, password, etc. contained in the online ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid card PIN information, etc. Rechargeable prepaid card information including a is characterized in that is stored in association with the additional information of the online ledger.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is a product of the interest rate-linked rechargeable prepaid card attribute according to the present invention, rather than a conventional financial account, and after the real name is confirmed It is preferable to return to the original account attribute of the new financial account.

In addition, the prepaid card charge amount is an amount charged in the interest rate-linked prepaid card (= online account), it is preferable that after the real name is confirmed is reduced to the balance of the new financial account processed.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

The prepaid card PIN information is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account. It is desirable to return the account password of the new financial account.

According to an embodiment of the present invention, a gift certificate account processor of the online account management server 105 shown in FIG. Gift certificate account information including one or more of the gift certificate account number, gift card par value, gift certificate issuer, gift voucher usage period, and voucher expiration date, in connection with the external or information system provided in the Characterized in that it is linked and stored, the gift certificate account information is preferably linked to the online account ledger through a prepaid card number.

Here, the gift certificate account number, preferably comprises an account ID assigned to the customer for the online account-based account transfer payment and the gift voucher complex payment of the non-name condition through the customer wireless terminal.

In addition, the amount of the gift certificate face value preferably comprises a face value corresponding to the electronic gift certificate deposited in the gift certificate account, it is preferable that payment through the gift certificate payment means is made within the face value of the gift certificate.

In addition, the gift voucher issuing institution issuing an electronic voucher to be deposited in the gift certificate account, the amount of the electronic voucher purchased in the gift certificate account, or the amount charged with the electronic voucher deposited in the gift certificate account is the gift voucher issuing institution. It is preferable to deposit.

In addition, the gift voucher destination is preferably made on-line or off-line stores (or merchants) that can be paid using the electronic voucher deposited in the gift voucher account, the payment target through the customer wireless terminal is the destination. When matched with, it is preferable that the online account-based account transfer payment and gift certificate payment through the customer wireless terminal is linked.

In addition, the validity period of the gift certificate preferably includes a period (or expiration date and time) in which the electronic gift certificate deposited in the gift certificate account can be used.

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

In more detail, Figure 5 includes an online account ledger according to the conventional account ledger information configuration in the ledger D / B provided in the DBMS on the financial system shown in Figure 2, and the online in the database associated with the ledger D / B The information structure for processing the online account ledger following the conventional account ledger information configuration as a rechargeable prepaid card and an online account ledger in the form of a new account is provided by providing the new processing information and the rechargeable prepaid card information associated with the account ledger. As those skilled in the art to which the present invention pertains, the present invention may be referred to and / or modified with reference to FIG. Although various information construction methods for storing prepaid card information may be inferred, the present invention may infer all It includes an implementation method and is not limited to the implementation method shown in FIG.

In particular, FIG. 5 illustrates a case in which it is not easy to store the provisional processing information or the rechargeable prepaid card information in the ledger D / B on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). / B is not easy to change, or the system is not easy to expand due to the nature of the financial system), store the new processing information or rechargeable prepaid card information in a database instead of the ledger D / B, and The implementation method of linking and storing the ledger D / B is illustrated.

Referring to Figure 5, the database is characterized in that for storing the new provision information or rechargeable prepaid card information, the trail new processing information or rechargeable prepaid card information to be processed in association with the ledger D / B Preferably, the processing information or the rechargeable prepaid card information further includes a CIF number matching the customer ledger of the ledger information and an account number matching the online ledger.

In FIG. 5, the new provision processing information stored in the database is characterized by including the account number for the financial account, the new provision establishment date, the real name verification expiration date, extension of the real name verification period, deposit before real name verification.

In this case, the false provisions processing information is preferably generated based on the online account application information or the new provisions processing consent information (or false provisions application information) received from the customer terminal on the online account registration system shown in FIG.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises that it is difficult to verify the real name of the customer applying for an online account for the online account, or if the provisional terms and conditions information includes an automatic extension agreement for the real name verification expiration date, Apply for an online account to verify your real name.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, when the amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, the real name The pre-confirmation deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card charge).

5, the rechargeable prepaid card information stored in the database is characterized by including a prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid card PIN information and the like.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is a product of the interest rate-linked rechargeable prepaid card attribute according to the present invention, rather than a conventional financial account, and after the real name is confirmed It is preferable to return to the original account attribute of the new financial account.

In addition, the prepaid card charge amount is an amount charged in the interest rate-linked prepaid card (= online account), it is preferable that after the real name is confirmed is reduced to the balance of the new financial account processed.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

The prepaid card PIN information is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account. It is desirable to return the account password of the new financial account.

According to an embodiment of the present invention, a gift certificate account processor of the online account management server 105 shown in FIG. Gift certificate account information including one or more of the gift certificate account number, gift card par value, gift certificate issuer, gift voucher usage period, and voucher expiration date, in connection with the external or information system provided in the Characterized in that it is linked and stored, the gift certificate account information is preferably linked to the online account ledger through a prepaid card number.

Here, the gift certificate account number, preferably comprises an account ID assigned to the customer for the online account-based account transfer payment and the gift voucher complex payment of the non-name condition through the customer wireless terminal.

In addition, the amount of the gift certificate face value preferably comprises a face value corresponding to the electronic gift certificate deposited in the gift certificate account, it is preferable that payment through the gift certificate payment means is made within the face value of the gift certificate.

In addition, the gift voucher issuing institution issuing an electronic voucher to be deposited in the gift certificate account, the amount of the electronic voucher purchased in the gift certificate account, or the amount charged with the electronic voucher deposited in the gift certificate account is the gift voucher issuing institution. It is preferable to deposit.

In addition, the gift voucher destination is preferably made on-line or off-line stores (or merchants) that can be paid using the electronic voucher deposited in the gift voucher account, the payment target through the customer wireless terminal is the destination. When matched with, it is preferable that the online account-based account transfer payment and gift certificate payment through the customer wireless terminal is linked.

In addition, the validity period of the gift certificate preferably includes a period (or expiration date and time) in which the electronic gift certificate deposited in the gift certificate account can be used.

6 is a diagram illustrating a process of applying for an online account of an interest rate linked prepaid card attribute according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the online account opening server 100 shown in FIG. 2 provides an online account request user interface to the customer terminal, the online account request information through the online account request user interface on the customer terminal. Input (or select) to provide the online account opening server 100 through a communication network, and the online account management information provided to the financial institution through the financial network in the online account opening server 100 As a process for providing to the server 105, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present figure 6 to the online of the interest rate-linked rechargeable prepaid card attribute in the customer terminal Various implementation methods for the process of applying for an account may be inferred, but the present invention is inferred from the above. Include all of the exemplary methods, and is not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, the customer terminal is described as providing only the online account application information to the online account opening server 100, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the online In response to the user interface provided by the account opening server 100 to the customer terminal, in addition to the online account application information, the new terminal processing agreement information (or new application information), or online account security information, or financial transaction in the customer terminal. It is possible to infer an implementation method of providing application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), but the present invention can be inferred from the customer terminal. Consent Information (or Tentative Application Information), Online Account Security Information, or Financial Transactions New An implementation method of providing the request information, the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information), and the present invention is not limited thereto.

In addition, if one of ordinary skill in the art to which the present invention belongs, opening the online account in response to a security function provided in the financial network connecting the online account opening server 100 and the online account management server 105 On the server 100, the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction). Encrypts and transmits the consent information (or non-face-to-face financial transaction application information) or gift certificate payment method application information, and the online account application information (or false provisional processing consent information (or pseudonym processing) in the online account management server 105). Application information), or online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face finance Although it may be possible to infer an implementation method for decrypting the agreement information (or non-face-to-face financial transaction application information), or the gift certificate payment instrument application information), the present invention includes the implementation method inferred from above, and thus the present invention is limited thereto. Not.

Hereinafter, in FIG. 6, the online account opening server 100 shown in FIG. 2 will be referred to as "server" for convenience, and the online account management server 105 shown in FIG. 2 will be referred to as "OA server" for convenience.

Referring to FIG. 6, the customer terminal illustrated in FIG. 2 accesses the server through a communication network including at least one wired or wireless communication network (600), and at least one web-based service provided by the server. In this case, a menu interface for requesting an online account request user interface for an online account request including the interest rate-linked rechargeable prepaid card attribute is provided on the web-based service screen provided by the server to the customer terminal. It is preferred to be included.

Accordingly, the server periodically checks whether the online account request user interface is requested from the customer terminal while providing the at least one web-based service to the customer terminal as described above (610). If the online account request user interface is requested from the client terminal (615), the server generates an online account request user interface to be provided to the client terminal (or extracts from a web source D / B (not shown)) ( In operation 625, the online account request user interface is provided to the mobile terminal through the communication network.

Thereafter, the client terminal inputs (or selects) online account application information through the online account application user interface (630), wherein the online account application information is for at least one online account to which the customer applies (or purchases). At least one or more selected online account selection information, terms and conditions agreement information corresponding to the online account, the online account deposit amount information, customer information for the online account applicant, and customer wireless terminal information. desirable.

When the online account application information is input (or selected) as described above, the customer terminal transmits the online account application information to the server through the communication network (635).

According to an embodiment of the present invention, the online account application information may include at least one online account selection information for selecting at least one online account that the customer requests to open (or register), agreement information corresponding to the online account, and At least one online account deposit amount information, customer information for the online account application customer, and customer wireless terminal information is preferably included, and the provisional processing agreement information (or new application information) according to the intention of the skilled person. Or, online account security information, financial transaction application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

According to an embodiment of the present invention, the online account application information may further include a gift certificate payment means application information for the online account-based account transfer payment and the gift certificate complex payment of the non-name condition through the customer wireless terminal.

Thereafter, the server receives the online account application information and stores it in a storage medium (640).

According to another embodiment of the present invention, the process of storing the online account application information on the storage medium may be omitted according to a business cooperation agreement between the server (or an online account opening institution) and the OA server (or a financial institution). As such, the present invention is not limited thereto.

Thereafter, the server transmits the online account application information to the OA server through a financial network (645), and the OA server receives the online account application information provided from the server through the financial network (650).

7 is a diagram illustrating a process of applying for an online account of an interest rate-linked rechargeable prepaid card attribute according to another embodiment of the present invention.

In more detail, in FIG. 7, when the online account opening server 100 illustrated in FIG. 2 provides an online account request user interface to the customer terminal, the online account request information is provided through the online account request user interface. Input (or select) and encrypt the information to provide to the online account opening server 100 through a communication network, and decrypt the online account application information in the online account opening server 100 to read the online account application information through a financial network. The process of providing to the online account management server 105 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modified the figure 7 and the customer terminal Various ways to apply for an online account of interest rate linked prepaid card attribute It may be inferred from the law, but the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, FIG. 7 illustrates that the customer terminal provides only the online account application information to the online account opening server 100. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, the online In response to the user interface provided by the account opening server 100 to the customer terminal, in addition to the online account application information, the new terminal processing agreement information (or new application information), or online account security information, or financial transaction in the customer terminal. It is possible to infer an implementation method of providing application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), but the present invention can be inferred from the customer terminal. Consent Information (or Tentative Application Information), Online Account Security Information, or Financial Transactions New An implementation method of providing the request information, the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information), and the present invention is not limited thereto.

In addition, if one of ordinary skill in the art to which the present invention belongs, opening the online account in response to a security function provided in the financial network connecting the online account opening server 100 and the online account management server 105 On the server 100, the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the rechargeable prepaid card processing consent information, or the non-face-to-face financial transaction). Encrypts and transmits the consent information (or non-face-to-face financial transaction application information) or gift certificate payment method application information, and the online account application information (or false provisional processing consent information (or pseudonym processing) in the online account management server 105). Application information), or online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face finance Although it may be possible to infer an implementation method for decrypting the agreement information (or non-face-to-face financial transaction application information), or the gift certificate payment instrument application information), the present invention includes the implementation method inferred from above, and thus the present invention is limited thereto. Not.

Hereinafter, in FIG. 7, the online account opening server 100 shown in FIG. 2 is referred to as "server" for convenience, and the online account management server 105 shown in FIG. 2 is referred to as "OA server" for convenience.

Referring to FIG. 7, the customer terminal illustrated in FIG. 2 connects to the server 700 through a communication network including at least one wired or wireless communication network (700), and at least one web-based service provided by the server. 705, wherein the web-based service screen provided by the server to the customer terminal includes a menu interface for requesting an online account request user interface for an online account request including the interest rate linked prepaid card attribute. It is preferred to be included.

Accordingly, the server periodically checks (710) whether the online account request user interface is requested from the customer terminal while providing at least one web-based service to the customer terminal as described above. When the online account request user interface is requested from the client terminal (715), the server generates an online account request user interface equipped with a security function (or extracts from a web source D / B (not shown)) (720). In operation 725, the online account request user interface is provided to the mobile terminal through the communication network.

Here, the security function provided in the online account request user interface includes a function of encrypting the online account application information input (or selected) by the customer terminal or attaching the electronic signature of the customer to the online account application information. It comprises at least one function, and preferably in the form of a security program that is linked to the online account application user interface, wherein the security program at least one encryption key for encrypting the online account application information It is preferable to comprise.

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

Thereafter, the client terminal inputs (or selects) online account application information through the online account application user interface (730), and the online account application information includes at least one online account to which the customer applies (or purchases). At least one or more selected online account selection information, terms and conditions agreement information corresponding to the online account, the online account deposit amount information, customer information for the online account applicant, and customer wireless terminal information. desirable.

When the online account application information is input (or selected) as described above, the customer terminal encrypts the online account application information according to an encryption method through a security function provided in the online account application user interface (or the online account application). Attach the electronic signature of the customer to the information) (735), and transmit the encrypted online account application information to the server through the communication network (740).

According to an embodiment of the present invention, the online account application information may include at least one online account selection information for selecting at least one online account that the customer requests to open (or register), agreement information corresponding to the online account, and At least one online account deposit amount information, customer information for the online account application customer, and customer wireless terminal information is preferably included, and the provisional processing agreement information (or new application information) according to the intention of the skilled person. Or, online account security information, financial transaction application information, rechargeable prepaid card processing consent information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

According to an embodiment of the present invention, the online account application information may further include a gift certificate payment means application information for the online account-based account transfer payment and the gift certificate complex payment of the non-name condition through the customer wireless terminal.

The server receiving the encrypted online account application information through the communication network decrypts the online account application information by a decryption method corresponding to the encryption method (745), and stores the decrypted online account application information in a storage medium. 740.

According to another embodiment of the present invention, the process of storing the online account application information on the storage medium may be omitted according to a business cooperation agreement between the server (or an online account opening institution) and the OA server (or a financial institution). As such, the present invention is not limited thereto.

Thereafter, the server transmits the online account application information to the OA server through a financial network (745), and the OA server receives the online account application information provided from the server through the financial network (750).

8 is a diagram illustrating a process of opening an online account of an interest rate linked prepaid card attribute according to an embodiment of the present invention.

In more detail, FIG. 8 opens an online account of an interest rate linked prepaid card attribute based on the online account application information provided from the online account opening server 100 in the online account management server 105 shown in FIG. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for opening an online account of the interest rate-linked rechargeable prepaid card attribute by referring to and / or modifying this drawing 8 It may be inferred, but the present invention includes all of the inferred implementation method, whereby the present invention is not limited.

For example, in FIG. 8, only the online account application information is provided from the online account opening server 100 to the online account management server 105. However, the present invention has ordinary skill in the art to which the present invention pertains. If not, the provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or rechargeable prepaid card processing consent information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction consent information) in addition to the online account application information (or The non-face-to-face financial transaction application information) and the like may be inferred from the implementation method provided to the online account management server 105. However, the present invention may provide the hidden transaction processing information (or trail) to the online account management server 105. Rules application information), or online account security information, financial transaction application information, or rechargeable prepaid card processing consent information, Or an implementation method in which non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is further provided, whereby the present invention is not limited thereto.

In the following Figure 8, the online account management server 105 shown in Figure 2 will be referred to as " server " for convenience.

Referring to FIG. 8, when online account application information is received from the online account opening server 100 illustrated in FIG. 2 through the process illustrated in FIG. 6 or 7, the server requests the online account. The information is read to see if it is possible to open the online account (800).

If it is impossible to open the online account based on the online account application information (805), the server generates the account opening error information and provides the online account opening server 100 (810), the online account The opening server 100 transmits the account opening error information to the customer terminal through the communication network (815), thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (805), the server processes the online account corresponding to the online account application information on the financial system in a blind manner in association with the financial system. In operation 820, the online account is processed as a rechargeable prepaid card in connection with the financial system.

According to an exemplary embodiment of the present invention, the server corresponds to the online account opened by the provisional opening unit by replacing the account ledger information included in the online account ledger with the chargeable prepaid card information as shown in FIG. 3. It is desirable to treat the ledger with a rechargeable prepaid card.

For example, the server replaces an account number included in the online ledger with a prepaid card number, replaces a product type with a product of an interest rate linked prepaid card attribute, replaces the account interest rate with a prepaid card linked rate, Replace the account password with the Personal Identification Number (PIN) for the rechargeable prepaid card and replace the account balance with the rechargeable prepaid card charge, thereby recharging the ledger corresponding to the online account opened by the new opening. Processing with a prepaid card is preferred.

According to another embodiment of the present invention, the server is linked to the online account ledger in the relational form of the prepaid rechargeable prepaid card information, the ledger corresponding to the online account opened by the new provision opening unit as shown in FIG. Is preferably treated with a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the rechargeable prepaid card information in association, it is preferable to process the ledger corresponding to the on-line account opened by the new establishment section as a rechargeable prepaid card.

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

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the rechargeable prepaid card information in a database linked to the ledger D / B registered with the online account ledger, it is preferable to process the ledger corresponding to the online account opened by the new establishment section as a rechargeable prepaid card. Do.

If the online account of the interest rate-linked rechargeable prepaid card attribute is registered (x30), the server generates the gift certificate account information for the online account-based account transfer payment and gift voucher complex payment on the non-real name terms through the customer wireless terminal, Register with the online account ledger (x35).

If the gift voucher account information is registered in the online ledger (x40), the server performs a financial transaction (e.g., account transfer payment) on a non-real name condition through the online account of the interest rate linked prepaid card attribute and the gift voucher account. Generate an online account module (or extract from a database (not shown)) that processes the online account and gift voucher complex payment under the non-real name condition, and include the generated (or extracted) online account module in the online account application information It provides to the customer wireless terminal through a wireless communication network corresponding to the customer wireless terminal information.

9 is a diagram illustrating a real name verification process of an online account according to an exemplary embodiment of the present invention.

More specifically, FIG. 9 performs a real name verification process for the online account processed with the rechargeable prepaid card through the process shown in FIG. 8 through the online account registration system shown in FIG. 2 to process the new financial account. Specifically, the present invention relates to an implementation method of continuously providing at least one financial transaction through the online account without the real name verification by automatically extending the real name verification expiration date.

One of ordinary skill in the art to which the present invention pertains may deduce various implementation methods for confirming the real name of the online account processed with the rechargeable prepaid card by referring to and / or modifying the drawing 9, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following Figure 9, the online account management server 105 on the online account registration system shown in Figure 2 is referred to as " server " for convenience.

Referring to FIG. 9, the server may be a bank terminal (not shown) based financial transaction system linked to the financial system (or a financial system), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Response) Make (900).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

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

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server repeats the process of confirming the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (915), the server is associated with the financial system, the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (920), to continuously provide at least one or more financial transactions through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server, in conjunction with the financial system to return the online account processed with the rechargeable prepaid card to the original online account (925) In step 930, the online account is processed as a new financial account whose real name is confirmed in connection with the financial system.

According to the method of the present invention, when the online account of the interest rate-linked rechargeable prepaid card attribute is processed into the new financial account, the prepaid card number is reduced to the account number, and the prepaid card charge is the account balance. Is reduced to, the prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

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

10 is a diagram illustrating a real name verification process of an online account according to another exemplary embodiment of the present invention.

More specifically, FIG. 10 performs a real name verification process for an online account processed with the rechargeable prepaid card through a process shown in FIG. 8 through the online account registration system shown in FIG. 2 to process a new financial account. Specifically, when the real name verification expiration date has elapsed, the amount of money deposited in the online account is returned to the original account (for example, a financial account (or another online account) transferred to the online account), and It relates to a method of conducting dormant online accounts.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account processed with the rechargeable prepaid card by referring to and / or modifying the drawing 10. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the online account management server 105 on the online account registration system shown in FIG. 2 is referred to as " server " for convenience.

Referring to FIG. 10, the server may be a bank terminal (not shown) based financial transaction system linked to the financial system (or a financial system), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Correspondingly) (1000).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1005), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (1010).

If the real name verification period for the online account has not elapsed in response to the online account application information (1015), the server repeats the process of confirming the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1015), the server, in conjunction with the financial system, the amount of money deposited in the online account corresponding to the online account application information in the original account ( For example, in response to the online account application information, an investment amount (or a deposit amount) is returned to the online account as a financial account), and the online account is processed as a dormant account in response to the online account application information (1020).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1005), the server is connected with the financial system to return the online account processed with the rechargeable prepaid card to the original online account (1025). In step 1030, the online account is processed as a new financial account whose real name is confirmed in connection with the financial system.

According to the method of the present invention, when the online account of the interest rate-linked rechargeable prepaid card attribute is processed into the new financial account, the prepaid card number is reduced to the account number, and the prepaid card charge is the account balance. Is reduced to, the prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (1035).

11 is a diagram illustrating an online account registration system according to another exemplary embodiment of the present invention.

In more detail, Figure 11 is to open an online account through the communication network in the customer terminal through the online network without confirmation of the real name without the real name to register the online account (Online Account) available for financial transactions through the customer wireless terminal in the unnamed state When the online account application information is provided, the online account opening server 100 provides the online account application information provided from the customer terminal to the online account management server 105 provided in the financial institution to correspond to the online account application information. An online account registration system is provided to open an online account without real name verification and to provide an online account-based account transfer payment and a gift voucher complex payment under a non-real name condition through the customer's wireless terminal. Use a virtual account attribute with the real name verification account as the parent account Open bisilmyeong account-based financial transaction in the state (for example, inquiry, transfer, withdrawal, withdrawals, earning, etc.) is a diagram showing the system configuration to open the available online account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to perform account-based financial transactions in a non-real-name state other than an online account of a virtual account attribute having the real name as the parent account. Various implementation methods of opening (or registering) an online account provided 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, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to prepaid a deposit transaction during an account-based financial transaction in an interest rate linked rechargeable prepaid card attribute (e.g., in a non-blind state). Register an online account, including an account attribute for processing a repayment attribute, processing a withdrawal transaction using a prepaid card payment attribute, and processing an interest rate associated with the rechargeable prepaid card to calculate the interest amount of the account). It will be possible to infer an implementation method for the system, 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. 11 according to an embodiment of the present invention, an online account registration system for registering an online account of a virtual account attribute whose real name is identified as a parent account is provided to the online account opening server 100 through a communication network. Requesting the online account registration (or opening) without real name verification (e.g., financial real name verification under the Financial Real Name Transaction and Confidentiality Act and Concurrent Decree (Presidential Decree No. 15744)), and registering the online account (or A customer terminal that provides the online account application information corresponding to the establishment) to the online account opening server 100, and is connected to the customer terminal through a communication network to receive online account application information from the customer terminal. An online account opening server 100 that provides account application information to an online account management server 105 provided in a financial institution; Connected to a line account opening server 100 through a financial network to receive the online account application information from the online account opening server 100, and to apply for the online account in the customer's name based on the received online account application information. An online account management server 105 for processing and opening an online account corresponding to the information under a new provision, and a financial system for operating the online account ledger according to the virtual account attribute of the online account processed with the new provision. .

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV) Banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system At least one interface module corresponding to a middleware platform and at least one of storing and managing information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of the financial system. And a DBMS (DataBase Management System) including the database described above, wherein the financial transactions through the financial system are based on the law and the Concurrent Enforcement Decree of the Financial Account Name Transaction and Confidentiality (Presidential Decree No. 15744). Valid for real-name financial accounts corresponding to It is processed.

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

According to an exemplary embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal (not shown) and a financial network (for example, a branch network) provided at a branch (or a branch) of the financial institution. It is characterized in that connected through, through the counter terminal (not shown) provides a financial transaction service of the face-to-face manner for at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with the Internet banking server (not shown), the network connected to the TCP / IP-based backbone network (eg, wired Internet, or IEEE 802.11x) through the Internet banking server (not shown) At least one client terminal (eg, a personal computer (PC) equipped with the wired Internet access and browsing function, or a laptop, connected to a wireless LAN, or an IEEE 802.16x-based portable Internet) A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop or mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a wireless banking server (not shown), a wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE) through the wireless banking server (not shown) At least one wireless terminal (e.g., a personal communication system (PCS) equipped with a connection and browsing function for the mobile communication network) or a GSM (Global System) connected to an 802.16x-based portable Internet or a wireless data communication network based on DataTAC / Mobitex. for a mobile terminal, or a PDA (Personal Digital Assistant), a smart phone (Smart Phone), or telematics (Telematics, etc.) to provide at least one financial transaction service to the at least one financial transaction customer.

In addition, the financial system is characterized in that it is linked to an IC chip-based wireless banking server (not shown), and based on a wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server (not shown) At least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communications network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that it is associated with a telebanking server (not shown), and through the telebanking server (not shown) to a wired voice call network (eg, Public Switched Telephone Network (PSTN)) At least one wireless communication terminal (e.g., a PCS or GSM terminal) connected to at least one wired telephone terminal (e.g., a telephone) or a wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)); Or provide a non-face-to-face financial transaction services to at least one or more financial transaction customers (such as a smartphone).

In addition, the financial system is characterized in that associated with a home banking server (not shown), at least one or more home appliances (eg, digital TV connected to a home network) connected to a home network through the home banking server (not shown), Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system is characterized in that associated with the TV banking server, at least one or more digital TV (eg, two-way digital TV, satellite DMB terminal, terrestrial DMB terminal) connected to the return channel (Return Channel) through the TV banking server Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

In accordance with the present invention, a customer who registers an online account through online accesses the online account opening server 100 through at least one customer terminal of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network. Various application services provided by the online account opening server 100 are provided.

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

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a CDMA (Code Division Multiple Access) based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method, or Erricson's A generic term for all terminal devices connected to a Mobitex-type wireless data communication network, and includes a personal communication system (PCS), a global system for mobile communications (GSM) terminal, or a personal digital cellular terminal connected to the CDMA-based mobile communication network. Personal Digital Cellular (PDC), or Personal Handyphone System (PHS) terminal, or Personal Digital Assistant (PDA), or Smart Phone, or Telematics, or the IEEE 802.16x based portable Internet A mobile Internet terminal connected to the wireless internet terminal or a wireless internet terminal connected to the DataTAC / Mobitex-based wireless data communication network. It comprises a data communication terminal, such as at least one is preferable.

The online account opening server 100 may be a search service including at least one information / content or at least one homepage or at least one wired terminal or a customer terminal including at least one wireless terminal through a wireless communication network. It is preferable to include a personalization service including a blog, a mail service, a messenger service, a portal server that provides various information providing services, or a search server.

According to the present invention, the online account opening server 100 includes an online account application interface including at least one user interface for the customer to apply for the online account through the wired communication network or the communication network including the wireless communication network. And providing to the customer terminal, wherein the customer terminal inputs (or selects) the online account application information through the online account application interface to the online account through a wired network or a communication network including a wireless communication network. It is characterized in that the transmission to the establishment server (100).

To this end, the customer terminal outputs the online account application interface provided from the online account opening server 100 and inputs or selects at least one online account application information through the online account application interface to open the online account. It is preferable that a function configuration (for example, a browser program and communication function, or a communication program and communication function for communicating with the online account opening server 100, etc.) for transmitting to the server 100 is provided.

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

According to the embodiment of the present invention, the online account opening server 100 is characterized by comprising an interface unit 1100 for connecting and managing the communication channel with the customer terminal through the communication network.

According to an embodiment of the present invention, when the customer terminal includes a wired communication network, a wired terminal connected to a wireless communication network, or a wireless terminal, the interface unit 1100 may include a protocol defined in the wired network or a wireless network. It is preferable to connect a communication channel with the customer terminal based on a stack, and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 1100 connects a communication channel with the customer terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the customer terminal is provided with a communication program provided by the online account opening server 100, the interface unit 1100 connects a communication channel with the customer terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in a communication program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a wireless communication network, the interface unit 1100 establishes a communication channel with the customer terminal based on a protocol stack defined in the wireless network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 1100 establishes a communication channel with the customer terminal based on the CDMA protocol. And a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) or a communication interface for transmitting and receiving information using the WAP / ME protocol defined in the browser program.

Referring to FIG. 11, the online account opening server 100 is connected to the online account opening server 100 through the interface unit 1100 or when an online account is applied. Generate (or extract from a web source D / B (not shown)) an online account application interface including at least one user interface for interoperating with the client terminal to input (or select) and transmit the online account application information. An interface providing unit 1105 for providing a customer terminal and an information receiving unit for receiving online account application information inputted (or selected) and transmitted from the customer terminal through the online account application interface in cooperation with the interface unit 1100. 1115, and the online account management server provided to the financial institution through the received online account application information through a financial network; An information relay 1125 provided to 105 is provided.

In addition, the online account opening server 100 is linked to the interface unit 1100, at least one or more of the customer terminal a search service including at least one or more information / content, or a personalized service including a mini homepage / blog, or And a web service unit 1110 for providing a web-based service including at least one of a mail service, a messenger service, or various information providing services, and having general knowledge in the technical field to which the present invention pertains. If you have, the online account opening server 100 will be familiar with how to provide the web-based service to at least one or more customer terminals to perform the function of the portal server, or search server, a detailed description thereof Is omitted for convenience.

In addition, the online account opening server 100 is the online account application information received from the customer terminal through the information receiving unit 1115 for the post-management of the online account application information received through the information receiving unit 1115. An information storage unit for storing online account issuance information included in the storage medium 1130 or at least one of online account information generated by the online account management server 105 based on the online account application information. And 1120, wherein the online account issuance information includes online account security information received from the customer terminal, new provisional processing consent information (or new provisional application information), virtual account processing information, and the like. At least one or more face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), etc. It is preferable to make.

According to the method of the present invention, the information storage unit 1120 is the online account opening server 100 is the online account management for the non-real name online account transfer payment and gift voucher complex payment through the customer wireless terminal to manage the online account When the gift certificate account information is generated by the server 105 and associated with the online account, the gift certificate account information generated by the online account management server 105 is associated with the online account information (or included in the online account issue information). It is preferable to store in the storage medium 1130.

The interface providing unit 1105 is connected to the online account opening server 100 through the interface unit 1100, or when applying for an online account, the online account corresponding to the functional configuration provided in the customer terminal Create an online account application interface that can input (or select) application information and transmit it to the online account opening server 100 through the communication network, or extract it from a database (not shown), and the interface unit 1100 And providing the online account application interface generated (or extracted from a web source D / B (not shown)) to the customer terminal through the communication network.

Thereafter, the client terminal inputs (or selects) the online account application information on the basis of the online account application interface, and opens the online account application server 100 through the communication network with the input (or selection) of the online account application information. To send).

According to an embodiment of the present invention, when the customer terminal includes a wired terminal connected to a wired communication network, the interface providing unit 1105 may apply for a browser program provided in the wired terminal or an online account that can be provided as a communication program. The interface is generated (or extracted from the web source D / B (not shown)), and the online account application interface generated through the interface unit 1100 (or extracted from the web source D / B (not shown)) is read. It is desirable to provide to the customer terminal.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a wireless communication network, the interface providing unit 1105 may provide a browser program provided in the wireless terminal, or an online account provided by a communication program. Generate an application interface (or extract from the web source D / B (not shown)), and through the interface unit 1100 to generate the online account application interface generated (or extracted from the web source D / B (not shown)) It is preferable to provide to the customer terminal.

According to an embodiment of the present invention, the online account application interface may include an interface for selecting at least one or more online accounts to which the customer applies (or purchases) from at least one or more online accounts.

The online account application interface preferably includes an interface for confirming that the customer has confirmed detailed information about the online account.

In addition, the online account application interface, preferably outputs the terms and conditions information corresponding to the online account to the customer terminal, the customer includes an interface that agrees to the terms and conditions.

The online account application interface may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the online account, and a financial account for depositing (or transferring) the amount to the online account. It is preferable to include an interface for inputting information (for example, original account information for depositing an amount into an online account).

In addition, the online account application interface may input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the online account, Or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the online account opening server 100.

In addition, the online account application interface, preferably comprises an interface for inputting (or selecting) customer wireless terminal information for online account-based account transfer payment and gift voucher complex payment on a non-named condition via the customer wireless terminal.

Thereafter, the customer terminal provides online account selection information for selecting at least one or more online accounts that the customer requests to open (or register) among the plurality of online accounts through the online account application interface, and the terms corresponding to the online accounts. Input (or select) consent information, the online account deposit amount information, customer information for the online account request customer, and online account request information including at least one customer wireless terminal information; Transfer to the account opening server 100.

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

The online account security information may further include PIN (Personal Identification Number) information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereby.

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

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted in an encrypted manner and transmitted to the online account opening server 100.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rules processing period information (e.g., a period in which the online account is processed and operated before the verification of the real name of the financial account for the online account) is output to the customer terminal, and the customer is in the provisions of the provisions of the provisions of the new provisions and the provisional processing period It is preferable to further include an interface for inputting (or selecting) false information processing consent information for agreeing to the information, or false information applying for the customer to apply for false information for the online account.

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

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

According to an embodiment of the present invention, the online account application interface may operate the real name verified real account to register an online account corresponding to the online account application information as a virtual account attribute having the real name verified real account as a parent account. It is preferable to further include an interface for inputting (or selecting) mother account manager information including at least one institution and virtual account processing information including mother account information corresponding to a real account operated by the mother account manager. .

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the client terminal, the client terminal inputs (or selects) the virtual account processing information through the interface. Thereafter, the input (or selected) virtual account processing information is transmitted to the online account opening server 100 through the communication network, or the online account application information further includes the virtual account processing information to the network. Through the online account opening server 100 through.

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account application customer has not processed a financial transaction with the financial institution), the online account application interface is a financial transaction application for processing the first financial transaction with the financial institution through the client terminal. And outputting the terms and conditions information and confirming that the customer has agreed to the financial transaction application terms, and the interface may be omitted if the customer is a financial transaction customer of the financial institution, or According to the intention of the skilled person the interface is It is displayed but may be included in non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information).

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer applies for the financial transaction to the financial institution. The interface can be omitted, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal, the client terminal inputs (or selects) the financial transaction application information through the interface and then inputs (or selects) the information. The financial transaction application information is transmitted to the online account opening server 100 through the communication network, or the online account application server further includes the financial transaction application information (not shown) in the online account application information. In FIG. 11, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below.

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, or a TV banking member, or a home banking member), the online account application interface processes at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution through the client terminal. Non-face-to-face financial transaction terms and conditions (e.g., Internet banking subscription terms) Information, or wireless banking subscription terms information, TV banking subscription terms information, or home banking subscription terms information, etc.), and the non-face-to-face financial transaction agreement information that the customer agrees to the non-face-to-face financial transaction terms information, or the customer The non-face-to-face financial transaction application for applying for the non-face-to-face financial transaction preferably further comprises (or select) the interface.

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

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal, the customer terminal may transmit the non-face-to-face financial transaction agreement information (or non-face-to-face) through the interface. After inputting (or selecting) the face-to-face financial transaction application information), the online account opening server 100 receives the input (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the communication network. Or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information to the online account opening server 100 through the communication network.

According to an embodiment of the present invention, the online account application interface may include an interface for inputting (or selecting) gift certificate payment means application information for non-real name online account-based account transfer payment and gift certificate complex payment through the customer wireless terminal. It is preferable to comprise.

When the customer terminal is provided with an interface for inputting (or selecting) gift card payment means application information for an online account-based account transfer payment and a gift voucher complex payment on a non-real name condition through the customer wireless terminal, the customer terminal is provided through the interface. After inputting (or selecting) the gift certificate payment means application information, the input (or selection) of the gift certificate payment means application information is transmitted to the online account opening server 100 through the communication network, or the online account application information. It further includes the gift certificate payment means application information to the online account opening server 100 via the communication network.

When the customer terminal inputs (or selects) online account application information through the online account application interface and transmits it through the communication network, the information receiver 1115 interworks with the interface unit 1100 to provide the online account application information. And receiving the received online account application information to the information relay unit 1125 or the information storage unit 1120.

Here, the online account application information may include online account selection information for selecting at least one online account that the customer requests to open (or register) among the plurality of online accounts, agreement information corresponding to the online account, Preferably, at least one of the online account deposit amount information is included.

In addition, the customer terminal inputs (or selects) online account security information through the online account application interface and transmits it through the communication network, or includes the online account security information in the online account application information in the customer terminal. When transmitting, the information receiving unit 1115 receives the online account security information in cooperation with the interface unit 1100, and transmits the received online account security information to the information relay unit 1125 or information. Provided to the storage unit 1120.

In addition, the customer terminal inputs (or selects) the provisional processing agreement information (or provisional application information) through the online account application interface and transmits the information through the communication network, or the provisional processing agreement information from the customer terminal. (Or the provisional provision application information) included in the online account application information and transmitted, the information receiver 1115 receives the provisional processing agreement information (or provisional application information) in association with the interface unit 1100. The received provisional processing agreement information (or provisional application information) is provided to the information relay unit 1125 or the information storage unit 1120.

In addition, the client terminal inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the online account application interface and transmits the information through the communication network, or at the client terminal, the virtual account. When the processing information is included in the online account application information and transmitted, the information receiving unit 1115 receives the virtual account processing information including the mother account management institution information and the mother account information in cooperation with the interface unit 1100. The received virtual account processing information is provided to the information relay unit 1125 or the information storage unit 1120.

In addition, the customer terminal inputs (or selects) financial transaction application information through the online account application interface and transmits the information through the communication network, or includes the financial transaction application information in the online account application information in the customer terminal. When transmitting, the information receiving unit 1115 receives the financial transaction application information in association with the interface unit 1100, and transmits the received financial transaction application information to the information relay unit 1125 or information. Provided to the storage unit 1120.

In addition, the customer terminal inputs (or selects) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the online account application interface, and transmits the information through the communication network, or the non-face-to-face communication at the customer terminal. When the financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information and transmitted, the information receiver 1115 interoperates with the interface unit 1100 to provide the non-face-to-face financial transaction agreement information (or Non-face-to-face financial transaction application information), and receives the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the information relay unit 1125 or the information storage unit 1120. to provide.

In addition, the customer terminal inputs (or selects) a gift certificate payment means application information through the online account request interface through the communication network or transmits the gift certificate payment means application information to the online account application information through the online terminal. Including the transmission, the information receiving unit 1115 receives the gift certificate payment means application information in connection with the interface unit 1100, the information relay unit 1125 ) Or to the information storage unit 1120.

The information storage unit 1120 stores the online account application information received through the information receiving unit 1115 in a storage medium 1130 by including the online account issuance information, thereby opening the online account. On the basis of the server 100 (or the online account opening server 100 operating institution) receives a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 1130. To provide.

When the online account security information is received through the information receiving unit 1115, the information storage unit 1120 stores the online account issuing information obtained by linking the online account security information to the online account request information in the storage medium 1130. The online account security information is used to authenticate at least one financial transaction using the online account at the online account opening server 100 (or a financial transaction server using the online account). do.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1115, the information storage unit 1120 may apply the provisional processing agreement information (or provisional application) to the online account application information. And storing the online account issuance information associated with the information) in the storage medium 1130, wherein the provisional processing agreement information (or provisional application information) is stored in the online account opening server 100 (or the A financial transaction server using an online account) provides a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 1115, the information storage unit 1120 performs a process of linking the virtual account processing information to the online account application information. And storing the online account issuing information in the storage medium 1130, wherein the virtual account processing information is stored in the online account opening server 100 (or a financial transaction server using the online account) for the online account. Provides a basis for processing at least one or more financial transactions using the online account based on a virtual account having the real name verified as a parent account until the financial real name is verified.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1115, the information storage unit 1120 may add the non-face-to-face financial transaction agreement information to the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 1130, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is stored online. The account opening server 100 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is confirmed.

According to the embodiment of the present invention, the information storage unit 1120 is opened by the online account management server 105, the online account corresponding to the online account application information, the online account opening server 100 (or The online account information opened by the online account management server 105 to process at least one or more financial transactions using the online account in the online transaction account issuing information). In the storage medium 1130 or the online account application information included in the online account issuing information, it is preferable to replace the online account information opened by the online account management server 105, whereby the present invention It is not limited.

Here, the online account information may be stored in the online account number in the form of a virtual account number generated by the provisional opening unit 1140 and the virtual account processing unit 1145 of the online account management server 105 and the online account application information. It is preferable to include the account holder information corresponding to the included customer information, the online account opening server 100 operating institution information and the financial institution opened the online account.

According to an embodiment of the present invention, the online account number preferably comprises the customer wireless terminal information.

The information relay unit 1125 is configured to finance the online account application information received through the information receiver 1115 through the financial network corresponding to the online account (for example, an online account corresponding to the online account is opened). It is characterized in that the relay transmission to the online account management server 105 provided in the institution.

Here, the financial network connecting the online account opening server 100 and the online account management server 105 may block access by a third party other than the online account opening server 100 and the online account management server 105. A dedicated communication network or a secure communication network that provides a secure communication function between the online account opening server 100 and the online account management server 105 (eg, encrypts the online account application information in an encryption manner in an online account opening server 100). And a communication network for transmitting to the online account management server 105 and decrypting the online account application information through a decryption method corresponding to the encryption method in the online account management server 105).

When the online account security information is received through the information receiving unit 1115, the information relay unit 1125 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 105 provided in the financial institution (in which the online account is opened), whereby the online account management server 105 opens the online account in the financial system provided in the financial institution The server 100 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1115, the information relay unit 1125 transmits the provisional processing agreement information (or provisional application information) to the financial network. It is characterized in that the transmission through the online account management server 105 provided in a financial institution corresponding to the online account (for example, an online account corresponding to the online account is opened) through which the online account management server ( 105 establishes a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 1115, the information relay unit 1125 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 105 provided in the financial institution (in which the online account is opened), whereby the online account management server 105 is a conventional customer of the financial institution If not, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 1115, the information relay unit 1125 corresponds to the online account through the financial network to the online account. Characterized in that it is relayed to the online account management server 105 provided in the financial institution (for example, an online account corresponding to the online account is opened), whereby the online account management server 105 is transmitted to the financial institution. An online account corresponding to the online account application information is opened in a financial system provided as a virtual account attribute having the real name verified real account as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1115, the information relay unit 1125 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed to the online account management server 105 provided in a financial institution corresponding to the online account (for example, an online account corresponding to the online account is opened) through a financial network. By doing so, the online account management server 105 opens an online account in a non-face-to-face manner in the financial system provided at the financial institution in which the online account opening server 100 processes the financial transaction using the online account.

When the gift certificate payment means application information is received through the information receiving unit 1115, the information relay unit 1125 corresponds to the online account through the financial network (for example, to the online account). And relaying to the online account management server 105 provided in the financial institution where a corresponding online account is established, whereby the online account management server 105 transmits the wireless information to the customer through the gift certificate payment means application information. Create a voucher account for online account-based account transfer payment and gift voucher complex payment on a non-real name condition through the terminal and register by processing in association with the online account.

According to another exemplary embodiment of the present invention, when the online account management server 105 is provided with an online account opening server 100 function or the online account management server 105 is a banking server, the information relay unit ( 1125 connects the client terminal with the online account management server 105 and relays the link, thereby allowing the online account management server 105 to send the online account application information (or a new processing agreement information (or trail) from the customer terminal. Rule application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift card payment instrument application information). It is possible to relay directly to provide an online account application interface for which the online account management server 105 communicates. The online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction agreement) from the customer terminal through It is possible to directly receive the information (or non-face-to-face financial transaction application information), or gift card payment means application information), whereby the present invention is not limited.

According to another embodiment of the present invention, at least one online account opening server 100 and the online account management server 105 may be relayed between the online account opening server 100 and the online account management server 105. Or relay the online account opening server 100 and at least one online account management server 105, or relay the at least one online account opening server 100 and at least one online account management server 105. It is possible that a relay server (not shown) is further provided, thereby the present invention is not limited.

Referring to FIG. 11, the online account management server 105 may include online account application information (or false new processing agreement information (or false new application information)) provided from the online account opening server 100 through the financial network. Or an application information receiving unit 1135 for receiving online account security information, financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift certificate payment instrument application information). ), A new provision opening unit 1140 which opens a new online account corresponding to the online account application information received through the application information receiving unit 1135 in association with the financial system, and the online opened as the new provision. A virtual account processor 1145 for processing an account as a virtual account attribute whose real name is verified as a parent account, and an online account of the virtual account attribute. Confirm the real name of the financial transaction application customer for the online account opened in response to the online account application information, and the real name of the financial transaction application customer established in the new account in response to the online account application information within the real name verification period A real name verification unit 1155 for checking whether the real name of the online account opened as a provisional provision corresponding to the online account application information is verified, and a new financial account for processing the online account created as the provisional provision as a new financial account; It is characterized by comprising an account processing unit 1160.

The application information receiving unit 1135 may be configured to provide online account application information (or provisional processing agreement information (or provisional application information), or online account security information) provided from the online account opening server 100 through the financial network, or Receiving financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift certificate payment instrument application information), and receiving the received online account application information. (Or false transaction processing information (or false application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), Or voucher payment means application information) is provided to the provisional opening section 1140.

In accordance with an embodiment of the present invention, the online account application information provided from the online account opening server 100 (or the provisional processing agreement information (or provisional application information), the online account security information, the financial transaction application information, Or when the virtual account processing information, the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information), or the gift certificate payment method application information) is encrypted, the application information receiving unit 1135 the encrypted online account application information ( Or the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), or It is preferable to further comprise a function for decoding the gift certificate payment means application information).

The new provision opening unit 1140 is the online account application information (or new provision processing agreement information (or new provision application information), or an online account) from the online account opening server 100 through the application information receiving unit 1135. When the security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift certificate payment method application information, is provided, the online account application information ( Or the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), or Read the gift voucher payment method application information through the financial system to the online account application information (or false information processing consent information (or false information) Application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift certificate payment instrument application information). It is characterized by opening a new account.

Here, the new provision opening unit 1140 is the online account application information (or false provisions processing consent information (or false provisions application information), or online account security information, financial transaction application information, or virtual account processing information, or Opening an online account corresponding to the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) or the gift certificate payment instrument application information on a temporary basis may be carried out in the ledger D / B provided on the financial system. Account Application Information (or Tentative Process Agreement Information (or Tentative Application Information), or Online Account Security Information, or Financial Transaction Application Information, or Virtual Account Processing Information, or Non-Faceless Financial Transaction Agreement Information (or Non-Faceless Financial Transaction Application) Information), or information on application for payment of vouchers) (or may be omitted if the customer ledger is already registered), or at least one Line account ledger, including a register (e. G., Received online account ledger corresponding to the application information) is characterized in that formed.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is preferable to register with D / B and store the pseudonym information for managing the online account in association with the online account ledger.

According to another embodiment of the present invention, the online ledger for the online account corresponding to the online account application information is in the form of an account ledger corresponding to a virtual account associated with a parent account based on the online account application information. It is preferable to register with the ledger D / B, wherein the mother account is registered with the ledger D / B on the financial system in order to register the customer financial account or the online account, which is already opened in the ledger D / B on the financial system. It is possible to include at least one or more of the above-described financial institution account, thereby the present invention is not limited.

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

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

That is, the new provision opening unit 1140 is the online account application information (or new provision processing agreement information (or new provision application information), or online account security information received through the online account establishment server 100, or External system or information provided in the financial system based on financial transaction application information, virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or gift certificate payment instrument application information). A procedure (eg, a procedure for registering an online account ledger) for opening the online account in conjunction with an account is performed, and the result is provided to the virtual account processor 1145.

Those skilled in the art to which the present invention pertains, detailed procedures for opening the online account (e.g., registering an online ledger) by the provisional opening unit 1140 in conjunction with the financial system. Since it will be understood, detailed description thereof will be omitted for convenience.

The virtual account processing unit 1145 may process the online account (or online account ledger) opened by the provisional opening unit 1140 as a virtual account having the real name verified as the parent account.

According to the method of the present invention, the online account ledger corresponding to the online account processed with the virtual account attribute whose real name is identified as the parent account does not include the conventional virtual account ledger information. It is preferable to include real account ledger information (for example, ledger information including an account number according to the account number system corresponding to the real account), which can be processed as a new account in the form of a real account when the financial real name is verified. Before the real name verification for the online account, it is preferable that the real name is processed as a virtual account attribute having the real account as the parent account.

According to another exemplary embodiment of the present invention, the online account ledger corresponding to the online account processed as the virtual account attribute having the real name verified real account as the parent account may include virtual account ledger information having the real name verified real account as the parent account. (Eg, ledger information including account number conforming to a virtual account number system), and in this case, the virtual account ledger information may be converted into real account ledger information (eg, real account) when the financial real name of the online account is confirmed. Ledger information including the account number that follows the account number system corresponding to the) (or replace) it is possible, thereby the invention is not limited.

Thereafter, the new provision management unit 1150 is characterized by processing the online account opened as the new provision to be a virtual account with the real name verified as the parent account until the real name confirmation for the customer applying for the online account. .

According to an embodiment of the present invention, when the amount of money is deposited (or transferred) to the online account through the financial system, the provisional management unit 1150 processes the deposit amount into the virtual account (for example, And depositing the deposit amount into a real account corresponding to the parent account of the virtual account.

In addition, when the amount of money is withdrawn (or transfer account) to the online account through the financial system, the new management unit 1150 processes the withdrawal amount to withdraw the amount deposited in the virtual account (eg, the Withdrawal processing the withdrawal amount from a real account corresponding to a mother account of a virtual account).

In addition, when the interest for the amount deposited in the online account is calculated through the financial system, the provisional management unit 1150 of the online account of the virtual account attribute of the virtual account having the real name as the parent account is verified. It is characterized by processing at interest.

By processing the online account as a virtual account using the real name confirmed as the real account as described above, the pseudonym management unit 1150, the law and concurrent orders on financial real name transactions and confidentiality until the online account is verified real name ( Prevent violation of Presidential Decree 15744).

The real name verification unit 1155 is the law and the concurrent law on the financial real name transaction and confidentiality while the online account opened by the new provision opening unit 1140 is managed by the new provision management unit 1150 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within the real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 1155 confirms the real name of the online account application customer for the online account through a financial transaction system through a window terminal (not shown) associated with the financial system. It is advisable to check whether

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account requesting customer in the institution), the real name verification unit 1155 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 1155 is responsible for recognizing the online account through the certificate-based real name verification process defined in the wireless banking system. It is advisable to verify that the customer's real name is applied for an online account.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking or home banking or TV banking customer corresponding to the financial institution. (Eg, when the financial institution has executed the real name verification procedure for the online account application customer), the real name verification unit 1155 performs a certificate-based real name verification procedure defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed, and the present invention is not limited thereto.

According to the implementation method of the present invention, the real name verification unit 1155 is provided in the financial system (or equipped with a financial institution) in order to confirm the real name for the customer applying for the online account within the real name verification period It is desirable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using the function.

Alternatively, the real name verification unit 1155 uses a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within the real name verification period. Therefore, it is preferable to periodically request the online account applicant to perform the real name verification procedure for the online account.

Alternatively, when the online account request customer is a conventional financial transaction customer for the financial institution, the real name verification unit 1155 requests the online account request to confirm the real name of the online account request customer within the real name verification period. A window terminal (not shown) based financial transaction corresponding to the financial institution, or a financial terminal based financial transaction including a CD / ATM, or an internet banking based financial transaction, or a wireless banking based financial transaction, or a telebanking based financial transaction. During a transaction, or a home banking based financial transaction, or a TV banking based financial transaction, it is desirable to request the online account applying customer to perform a real name verification procedure for the online account in connection with the financial transaction system.

If the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 1155 generates the real name verification information for the online account request customer and provides it to the new account processor 1160.

Alternatively, when the real name of the online account applicant is confirmed within the real name verification period, the real name verification unit 1155 generates unidentified real name information for the online account applicant and provides the new account to the new account processor 1160. do.

When real name verification information is provided from the real name verification unit 1155 including the real name of the online account requesting customer within the real name verification period, the new account processing unit 1160 is connected to the financial system. The online account processed as a new provision by the new provision opening unit 1140 or the new provision management unit 1150 may be treated as a valid new financial account.

According to the method of the present invention, when real name verification information is provided from the real name verification unit 1155 including the real name of the customer for the online account application within the real name verification period, the new account processing unit 1160 Is valid new finance available for all financial transactions to the online account processed by the new provision opening unit 1140 or the new provision management unit 1150 in association with the external system or information system provided in the financial system. It is preferable to process into account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 1160 It is preferable to unlock the online account in connection with the external or information system provided in the financial system, whereby the online account processed as the provisional provision is treated as a valid new financial account capable of all financial transactions. do.

According to another embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened online account is linked with the online account and has a withdrawal prevention function. In the case of the transfer, the new account processing unit 1160 returns (or re-transfers) the amount deposited in the withdrawal prevention virtual account to the online account in connection with the external system or the information system provided in the financial system, Or removing (or erasing) the withdrawal prevention virtual account, whereby the online account processed as the provisional provision is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When the amount of money is deposited (or deposited) into the online account processed as the virtual account with the withdrawal prevention function, the new account processing unit 1160 is an external system or information system provided in the financial system. Canceling the withdrawal prevention function of the online account processed with the virtual account equipped with the withdrawal prevention function, and providing (or erasing) the virtual account function associated with the new account processing mother account to process the online account; Preferably, the online account processed under the provisional provisions is processed into a valid new financial account capable of all financial transactions. .

According to the method of the present invention, when the new account processing unit 1160 processes the online account as a valid new financial account capable of all financial transactions, the online account opening date is the application information receiving unit 1135 opens the online account. The online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, the financial transaction application information, the virtual account processing information, or the non-face-to-face financial transaction consent information) from the server 100. (Or non-face-to-face financial transaction application information), or voucher payment means application information), or the date when the temporary opening unit 1140 opened the online account on the financial system as a new one. It is desirable to apply retrospectively as of the date.

Referring to FIG. 11, when the online account including the virtual account attribute is opened as a new account, the online account management server 105 may perform an online account of the non-real name condition through the customer wireless terminal based on the gift certificate payment method application information. It is characterized in that it comprises a gift certificate account processing unit 1165 for generating the gift certificate account information for the base transfer payment and gift voucher complex payment, and register the generated gift certificate account information in the online account ledger including the virtual account attribute .

When an online account including a virtual account attribute is newly established, the gift certificate account processing unit 1165 transmits the gift certificate application method information for the online account-based account transfer payment and the gift certificate complex payment under the non-real name condition through the customer wireless terminal. Generating gift certificate account information to be deposited one or more electronic gift certificates, and registers the generated gift certificate account information in the online account ledger including the virtual account attribute in conjunction with the financial system.

Referring to FIG. 11, the online account management server 105 provides an online account module for providing a customer account with an online account module that processes an online account-based account transfer payment and a gift certificate complex payment under a condition of non- blindness through the customer wireless terminal. It is characterized by comprising a module providing unit 1170.

When an online account including a virtual account attribute is opened in a new way, and gift voucher account information for online account-based account transfer payment and gift voucher compound payment under non-real name terms is generated through the customer wireless terminal and registered in the online account ledger, The online account module providing unit 1170 performs a non-real name financial transaction (e.g., account transfer payment) through the online account of the virtual account attribute, and performs a combination payment of the online account and the gift certificate under the non-real name condition based on the gift certificate account. Generate an online account module for processing (or extract from a database (not shown)), and generate the generated (or extracted) online account module through a wireless communication network corresponding to customer wireless terminal information included in the online account application information. Characterized in that provided to the customer wireless terminal.

Here, the online account module preferably comprises a virtual machine operating in the customer wireless terminal, if the person having ordinary knowledge in the technical field to which the present invention belongs, the customer wireless terminal through the wireless communication network Since you will be familiar with the various technical features of providing an online account module, a detailed description thereof will be omitted for convenience.

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

In more detail, FIG. 12 illustrates a virtual account ledger including a real account of the real account operating institution of the real name identified in the ledger information stored in the ledger D / B provided in the DBMS on the financial system shown in FIG. As shown in the following description, the online account ledger information is stored according to the virtual account ledger information. Those skilled in the art to which the present invention pertains may refer to FIG. 12 and / or modify the ledger D / B. Although it is possible to infer various information configuration methods for storing online account ledger information according to the virtual account ledger information in a virtual account ledger having a real account of a real name operating institution of a real name verified, but the present invention is inferred from all It includes an implementation method and is not limited to the implementation method shown in FIG.

Referring to Figure 12 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, the reception ledger, loans) Ledger, etc.) and at least one information associated with the account ledger, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and the account ledger shown in FIG. 12, at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers is further included. Since it will be clearly understood, and will be familiar with specific technical matters, the detailed description thereof will be omitted for convenience.

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

According to the implementation method of the present invention, the customer ledger for the online account registration of the virtual account attribute associated with the parent account which is the real account of the real account operating institution verified the real name through the online account registration system shown in FIG. And store the real name verified real account operating institution customer ledger information using the real name verified real account operating institution as a financial transaction customer, and through the online account registration system shown in FIG. It is preferable to store the online account customer ledger information registered with the online account of the virtual account attribute associated with the parent account which is the real account.

Here, the real name confirmed real account operating institution customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is a conventional financial transaction of the financial institution When a customer ledger of a customer who opens the online account is provided in the ledger D / B as a customer, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the real name confirmed real account operating institution is linked to the customer ledger of the real name verified real account operating institution relationally, and the real name verified real account operating institution At least one of the financial accounts of the at least one financial account is preferably corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 11 among the account ledgers of the real account operating institution verified in the real name is relationally associated with the virtual account ledger. It is preferred to be connected.

The virtual account ledger corresponds to an account ledger corresponding to a parent account of a virtual account corresponding to an online account registered through the online account registration system shown in FIG. 11 among at least one financial account corresponding to the real name operating institution of the real name. The virtual account ledger information is characterized in that it comprises an information configuration further comprises the mother account number and the mother account operating institution information in the basic account ledger information, such as the account ledger.

That is, as shown in FIG. 12, the online ledger information provided in the virtual ledger also preferably includes an information structure including the mother account number and the mother account operating institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the configuration of the basic account ledger information, virtual account ledger information configuration associated with the account ledger of the real account operating institution confirmed the real name, and the virtual account ledger information Since it is possible to infer the configuration of the online ledger information following the configuration, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a gift certificate account processing unit of the online account management server 105 shown in FIG. 11 for the online account-based account transfer payment and the gift certificate complex payment of the non-real name condition through the customer wireless terminal is the financial system. Gift certificate account information including one or more of the gift certificate account number, gift card par value, gift certificate issuer, gift voucher usage period, and voucher expiration date, in connection with the external or information system provided in the Characterized in that it is linked and stored, the gift certificate account information is preferably linked to the online account ledger through a prepaid card number.

Here, the gift certificate account number, preferably comprises an account ID assigned to the customer for the online account-based account transfer payment and the gift voucher complex payment of the non-name condition through the customer wireless terminal.

In addition, the amount of the gift certificate face value preferably comprises a face value corresponding to the electronic gift certificate deposited in the gift certificate account, it is preferable that payment through the gift certificate payment means is made within the face value of the gift certificate.

In addition, the gift voucher issuing institution issuing an electronic voucher to be deposited in the gift certificate account, the amount of the electronic voucher purchased in the gift certificate account, or the amount charged with the electronic voucher deposited in the gift certificate account is the gift voucher issuing institution. It is preferable to deposit.

In addition, the gift voucher destination is preferably made on-line or off-line stores (or merchants) that can be paid using the electronic voucher deposited in the gift voucher account, the payment target through the customer wireless terminal is the destination. When matched with, it is preferable that the online account-based account transfer payment and gift certificate payment through the customer wireless terminal is linked.

In addition, the validity period of the gift certificate preferably includes a period (or expiration date and time) in which the electronic gift certificate deposited in the gift certificate account can be used.

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

In more detail, in Figure 13, the online account ledger stored in the ledger D / B provided in the DBMS on the financial system shown in Figure 11 through the virtual account processing information, the real account of the real account operating institution confirmed the real name FIG. 13 illustrates an information structure including a virtual account attribute, and a person of ordinary skill in the art may refer to and / or modify this drawing to add an online account ledger to the ledger D / B. Through the virtual account processing information, it is possible to infer various information configuration methods including the virtual account attribute of the real account of the real name operating institution of the real name identified as the parent account, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 13 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a customer ledger and an account ledger associated with the customer ledger (eg, a ledger, loan). Ledger, etc.) and at least one information associated with the account ledger, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and the account ledger shown in FIG. 13, at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers is further included. Since it will be clearly understood, and will be familiar with specific technical matters, the detailed description thereof will be omitted for convenience.

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

According to the implementation method of the present invention, the customer ledger for the online account registration of the virtual account attribute associated with the parent account which is the real account of the real account operating institution verified the real name through the online account registration system shown in FIG. And store the real name verified real account operating institution customer ledger information using the real name verified real account operating institution as a financial transaction customer, and through the online account registration system shown in FIG. It is preferable to store the online account customer ledger information registered with the online account of the virtual account attribute associated with the parent account which is the real account.

Here, the real name confirmed real account operating institution customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is a conventional financial transaction of the financial institution When a customer ledger of a customer who opens the online account is provided in the ledger D / B as a customer, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the real name confirmed real account operating institution is linked to the customer ledger of the real name verified real account operating institution relationally, and the real name verified real account operating institution At least one of the financial accounts of the at least one financial account is preferably corresponding to the parent account for processing the online account registered through the online account registration system shown in Figure 11 as a virtual account.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 11 among the account ledgers of the real account operating institution verified in the real name is processed online with the virtual account. It is desirable to be linked to the ledger.

The online account ledger is configured to include basic account ledger information such as the account ledger, and corresponds to a mother account for processing the online account as a virtual account among the online account number and the financial account of the verified real account operating institution of the real name. The virtual account processing information including at least one parent account number and at least one of the parent account operating institution information (for example, the real name confirmed real account operating institution information) as the additional information, thereby operating the real account verified the real account Characterized in that the processing of the financial account of the institution as a virtual account, wherein the virtual account processing information is the online account application information and virtual account processing information received from the customer terminal on the online account registration system shown in FIG. Is preferably matched with.

The online account number of the virtual account processing information is information for linking and processing the virtual account processing information with the online account of the virtual account attribute, and the online account number preferably follows a real account number system, and is intended by those skilled in the art. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The mother account number of the virtual account processing information includes the account number of the financial account (or real account) corresponding to the mother account for processing the online account as a virtual account among the account numbers of the real name operating institution name of the real name verified It is preferable to make.

The parent account operating institution information of the virtual account processing information preferably includes the real name confirmed real account operating institution information corresponding to the account holder of the real account corresponding to the mother account number.

In the technical field to which the present invention pertains, the online ledger information structure is linked to the account ledger of the real account operating institution of the real name verified through the virtual account processing information based on the account ledger information structure. Since it can be inferred, the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, a gift certificate account processing unit of the online account management server 105 shown in FIG. 11 for the online account-based account transfer payment and the gift certificate complex payment of the non-real name condition through the customer wireless terminal is the financial system. Gift certificate account information including one or more of the gift certificate account number, gift card par value, gift certificate issuer, gift voucher usage period, and voucher expiration date, in connection with the external or information system provided in the Characterized in that it is linked and stored, the gift certificate account information is preferably linked to the online account ledger through a prepaid card number.

Here, the gift certificate account number, preferably comprises an account ID assigned to the customer for the online account-based account transfer payment and the gift voucher complex payment of the non-name condition through the customer wireless terminal.

In addition, the amount of the gift certificate face value preferably comprises a face value corresponding to the electronic gift certificate deposited in the gift certificate account, it is preferable that payment through the gift certificate payment means is made within the face value of the gift certificate.

In addition, the gift voucher issuing institution issuing an electronic voucher to be deposited in the gift certificate account, the amount of the electronic voucher purchased in the gift certificate account, or the amount charged with the electronic voucher deposited in the gift certificate account is the gift voucher issuing institution. It is preferable to deposit.

In addition, the gift voucher destination is preferably made on-line or off-line stores (or merchants) that can be paid using the electronic voucher deposited in the gift voucher account, the payment target through the customer wireless terminal is the destination. When matched with, it is preferable that the online account-based account transfer payment and gift certificate payment through the customer wireless terminal is linked.

In addition, the validity period of the gift certificate preferably includes a period (or expiration date and time) in which the electronic gift certificate deposited in the gift certificate account can be used.

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

In more detail, FIG. 14 shows the real name verified through virtual account processing information as shown in FIG. 13 in an online account ledger stored in a ledger D / B provided in a DBMS on the financial system shown in FIG. The information structure for linking a real account of an account operating institution with a virtual account attribute having a parent account and further linking and processing false information for processing a new account to the online account ledger, and the technical field to which the present invention pertains. If the person skilled in the art, refer to and / or modify this figure 14 to the online account ledger in the ledger D / B through the virtual account processing information to the real account of the real account operating institution of the real name confirmed as the parent account It would be possible to infer a variety of information configuration method to be processed in a new account linked to the virtual account attribute, the present invention is inferred to all It includes a city method, and is not limited to the embodiment method shown in FIG.

Referring to FIG. 14 according to an exemplary embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger and a loan). Ledger, etc.) and at least one information associated with the account ledger, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and the account ledger shown in FIG. 14, at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers is further included. Since it will be clearly understood, and will be familiar with specific technical matters, the detailed description thereof will be omitted for convenience.

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

According to the implementation method of the present invention, the customer ledger for the online account registration of the virtual account attribute associated with the parent account which is the real account of the real account operating institution verified the real name through the online account registration system shown in FIG. And store the real name verified real account operating institution customer ledger information using the real name verified real account operating institution as a financial transaction customer, and through the online account registration system shown in FIG. It is preferable to store the online account customer ledger information registered with the online account of the virtual account attribute associated with the parent account which is the real account.

Here, the real name confirmed real account operating institution customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is a conventional financial transaction of the financial institution When a customer ledger of a customer who opens the online account is provided in the ledger D / B as a customer, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the real name confirmed real account operating institution is linked to the customer ledger of the real name verified real account operating institution relationally, and the real name verified real account operating institution At least one of the financial accounts of the at least one financial account is preferably corresponding to the parent account for processing the online account registered through the online account registration system shown in Figure 11 as a virtual account.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 11 among the account ledgers of the real account operating institution verified in the real name is processed online with the virtual account. It is desirable to be linked to the ledger.

The online account ledger is configured to include basic account ledger information such as the account ledger, and corresponds to a mother account for processing the online account as a virtual account among the online account number and the financial account of the verified real account operating institution of the real name. The virtual account processing information including at least one parent account number and at least one of the parent account operating institution information (for example, the real name confirmed real account operating institution information) as the additional information, thereby operating the real account verified the real account Characterized in that the processing of the financial account of the institution as a virtual account, wherein the virtual account processing information is the online account application information and virtual account processing information received from the customer terminal on the online account registration system shown in FIG. Is preferably matched with.

The online account number of the virtual account processing information is information for linking and processing the virtual account processing information with the online account of the virtual account attribute, and the online account number preferably follows a real account number system, and is intended by those skilled in the art. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The mother account number of the virtual account processing information includes the account number of the financial account (or real account) corresponding to the mother account for processing the online account as a virtual account among the account numbers of the real name operating institution name of the real name verified It is preferable to make.

The parent account operating institution information of the virtual account processing information preferably includes the real name confirmed real account operating institution information corresponding to the account holder of the real account corresponding to the mother account number.

In the technical field to which the present invention pertains, the online ledger information structure is linked to the account ledger of the real account operating institution of the real name verified through the virtual account processing information based on the account ledger information structure. Since it can be inferred, the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 11 is a virtual account without real name verification, and the online account is opened for account opening and financial transaction processing in a non-real name verification state. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes provisional processing information as additional information.

11, or a new provision management section of the online account management server 105 shown in FIG. 11, in connection with an external system or an information system provided in the financial system, corresponds to a virtual account number corresponding to the online account ( Or online account number), a new provisional processing date including at least one or more of the new establishment date, the expiration date of the real name verification, the extension of the real name verification period, and the real name verification deposit, It is preferable to link and store the additional information corresponding to the information, and the provisional processing information is the online account application information and the provisional processing consent information (or trailing information) received from the customer terminal on the online account registration system shown in FIG. It is preferably generated based on the application information.

However, in the case where the online account ledger is provided as a virtual account attribute as shown in FIG. 11, in accordance with the intention of the person skilled in the art, the provisional processing agreement information (or provisional application information) is omitted in the online account registration process. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with an online account of the virtual account attribute, and the virtual account number (or online account number) is actually It is preferable to follow the account number system, and according to the intention of those skilled in the art, the virtual account number system may be used, and the present invention is not limited thereto.

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification When the real name confirmation of the online account request customer is not performed, it is preferable to repeatedly extend the real name confirmation of the online account request customer.

The deposit before the real name verification of the provisional processing information is deposited from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. If the amount is deposited into the online account, the deposit before real name verification is matched with the account balance of the online ledger.

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

According to an embodiment of the present invention, a gift certificate account processing unit of the online account management server 105 shown in FIG. 11 for the online account-based account transfer payment and the gift certificate complex payment of the non-real name condition through the customer wireless terminal is the financial system. Gift certificate account information including one or more of the gift certificate account number, gift card par value, gift certificate issuer, gift voucher usage period, and voucher expiration date, in connection with the external or information system provided in the Characterized in that it is linked and stored, the gift certificate account information is preferably linked to the online account ledger through a prepaid card number.

Here, the gift certificate account number, preferably comprises an account ID assigned to the customer for the online account-based account transfer payment and the gift voucher complex payment of the non-name condition through the customer wireless terminal.

In addition, the amount of the gift certificate face value preferably comprises a face value corresponding to the electronic gift certificate deposited in the gift certificate account, it is preferable that payment through the gift certificate payment means is made within the face value of the gift certificate.

In addition, the gift voucher issuing institution issuing an electronic voucher to be deposited in the gift certificate account, the amount of the electronic voucher purchased in the gift certificate account, or the amount charged with the electronic voucher deposited in the gift certificate account is the gift voucher issuing institution. It is preferable to deposit.

In addition, the gift voucher destination is preferably made on-line or off-line stores (or merchants) that can be paid using the electronic voucher deposited in the gift voucher account, the payment target through the customer wireless terminal is the destination. When matched with, it is preferable that the online account-based account transfer payment and gift certificate payment through the customer wireless terminal is linked.

In addition, the validity period of the gift certificate preferably includes a period (or expiration date and time) in which the electronic gift certificate deposited in the gift certificate account can be used.

15 is a diagram illustrating a process of applying for an online account of a virtual account attribute according to an embodiment of the present invention.

In more detail, in FIG. 15, when the online account opening server 100 shown in FIG. 11 provides an online account request interface to the customer terminal, the customer terminal inputs online account application information through the online account request interface. An online account management server provided to the online account opening server 100 through a communication network and providing the online account application information to the financial institution through a financial network from the online account opening server 100; 105), a person having ordinary skill in the art to which the present invention pertains refers to a process of applying for an online account of a virtual account attribute in the client terminal by referring to and / or modifying the drawing 15. It will be possible to infer various implementation methods for the present invention, but the present invention includes all of the inferred implementation methods, and It is not limited by the implementation method shown in FIG.

For example, in FIG. 15, only the online account application information is provided from the customer terminal to the online account opening server 100. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, the online In response to the online account request interface provided by the account opening server 100 to the customer terminal, in addition to the online account application information, the new terminal processing consent information (or new application information), or online account security information, or It is possible to infer an implementation method of providing financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Consent Information (or Tentative Application Information), Online Account Security Information, or Financial Transactions New Information, or the virtual account management information, or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if one of ordinary skill in the art to which the present invention belongs, opening the online account in response to a security function provided in the financial network connecting the online account opening server 100 and the online account management server 105 On the server 100, the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, the virtual account processing information, or the non-face-to-face financial transaction consent information). (Or non-face-to-face financial transaction application information) or gift certificate payment method application information) is encrypted and transmitted, and the online account application information (or false transaction processing information (or false application information) from the online account management server 105 ), Or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction consent information (or hypertrophy). It would be able to infer the exemplary method for decoding a financial transaction application information), or a gift certificate payment method, application information), the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Hereinafter, in FIG. 15, the online account opening server 100 shown in FIG. 11 will be referred to as "server" for convenience, and the online account management server 105 shown in FIG. 11 will be referred to as "OA server" for convenience.

Referring to FIG. 15, the client terminal illustrated in FIG. 11 connects to the server (1500) through at least one wired communication network or a communication network including a wireless communication network, and at least one web-based service provided by the server. In this case, the web-based service screen provided by the server to the customer terminal may include a menu interface for requesting an online account request interface for an online account request including the virtual account property. .

Accordingly, the server periodically checks whether the online account request interface is requested from the customer terminal (1510) while providing at least one web-based service to the customer terminal as described above. When the online account request interface is requested from a customer terminal (1515), the server generates an online account request interface (or extracted from a web source D / B (not shown)) to be provided to the customer terminal (1520), and The online account application interface is provided to the mobile terminal through a communication network (1525).

Thereafter, the client terminal inputs (or selects) online account application information through the online account application interface (1530), and the online account application information selects at least one or more online accounts to which the customer applies (or purchases). And at least one or more online account selection information, terms and conditions agreement information corresponding to the online account, the online account deposit amount information, customer information for the online account applicant, and customer wireless terminal information. Do.

When the online account application information is input (or selected) as described above, the customer terminal transmits the online account application information to the server through the communication network (1535).

According to an embodiment of the present invention, the online account application information may include at least one online account selection information for selecting at least one online account that the customer requests to open (or register), agreement information corresponding to the online account, and At least one online account deposit amount information, customer information for the online account application customer, and customer wireless terminal information is preferably included, and the provisional processing agreement information (or new application information) according to the intention of the skilled person. Or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

According to an embodiment of the present invention, the online account application information may further include a gift certificate payment means application information for the online account-based account transfer payment and the gift certificate complex payment of the non-name condition through the customer wireless terminal.

Thereafter, the server receives the online account application information and stores it in a storage medium (1540).

According to another embodiment of the present invention, the process of storing the online account application information on the storage medium may be omitted according to a business cooperation agreement between the server (or an online account opening institution) and the OA server (or a financial institution). As such, the present invention is not limited thereto.

Thereafter, the server transmits the online account application information to the OA server through a financial network (1545), and the OA server receives the online account application information provided from the server through the financial network (1550).

16 is a diagram illustrating a process of applying for an online account of a virtual account attribute according to another exemplary embodiment of the present invention.

In more detail, in FIG. 16, when the online account opening server 100 shown in FIG. 11 provides an online account request interface to the customer terminal, the customer terminal inputs online account application information through the online account request interface. (Or select) and encrypt and provide the online account opening server 100 to the online account opening server 100 through a communication network, and decrypts the online account application information in the online account opening server 100 to read the online account application information through a financial network. The process of providing to the online account management server 105 provided in a financial institution, if those of ordinary skill in the art to which the present invention belongs, refer to and / or modify this figure 16 in the customer terminal virtual It would be possible to infer various methods of applying for an online account with account attributes. It said method comprises all of the embodiments in which the inference, not limited by the exemplary method shown in the figure 16.

For example, in FIG. 16, only the online account application information is provided from the customer terminal to the online account opening server 100. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, the online In response to the online account request interface provided by the account opening server 100 to the customer terminal, in addition to the online account application information, the new terminal processing consent information (or new application information), or online account security information, or It is possible to infer an implementation method of providing financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Consent Information (or Tentative Application Information), Online Account Security Information, or Financial Transactions New Information, or the virtual account management information, or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if one of ordinary skill in the art to which the present invention belongs, opening the online account in response to a security function provided in the financial network connecting the online account opening server 100 and the online account management server 105 On the server 100, the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, the virtual account processing information, or the non-face-to-face financial transaction consent information). (Or non-face-to-face financial transaction application information) or gift certificate payment method application information) is encrypted and transmitted, and the online account application information (or false transaction processing information (or false application information) from the online account management server 105 ), Or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction consent information (or hypertrophy). It would be able to infer the exemplary method for decoding a financial transaction application information), or a gift certificate payment method, application information), the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Hereinafter, in FIG. 15, the online account opening server 100 shown in FIG. 11 will be referred to as "server" for convenience, and the online account management server 105 shown in FIG. 11 will be referred to as "OA server" for convenience.

Referring to FIG. 16, the customer terminal illustrated in FIG. 11 connects to the server 1600 through at least one wired communication network or a communication network including a wireless communication network, and at least one web-based service provided by the server. In this case, it is preferable that the web-based service screen provided to the customer terminal from the server includes a menu interface for requesting an online account request interface for an online account request including the virtual account property. .

Accordingly, the server periodically checks (1610) whether the online account request interface is requested from the customer terminal while providing at least one web-based service to the customer terminal as described above. When the online account request interface is requested from a customer terminal (1615), the server generates an online account request interface with a security function (or extracts it from a web source D / B (not shown)) (1620), and the communication network The online account application interface is provided to the mobile terminal through 1620.

Here, the security function provided in the online account request interface may include a function of encrypting the online account request information input (or selected) at the customer terminal in an encrypted manner, or attaching the electronic signature of the customer to the online account request information. It comprises at least one function, and preferably in the form of a security program that works with the online account application interface, wherein the security program is provided with at least one encryption key for encrypting the online account application information It is preferable to make it.

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

Thereafter, the client terminal inputs (or selects) online account application information through the online account application interface (1630), and the online account application information selects at least one or more online accounts to which the customer applies (or purchases). And at least one or more online account selection information, terms and conditions agreement information corresponding to the online account, the online account deposit amount information, customer information for the online account applicant, and customer wireless terminal information. Do.

When the online account application information is input (or selected) as described above, the customer terminal encrypts the online account application information according to an encryption method through a security function provided in the online account application interface (or the online account application information). Attach the electronic signature of the customer (1635), and transmit the encrypted online account application information to the server through the communication network (1640).

According to an embodiment of the present invention, the online account application information may include at least one online account selection information for selecting at least one online account that the customer requests to open (or register), agreement information corresponding to the online account, and At least one online account deposit amount information, customer information for the online account application customer, and customer wireless terminal information is preferably included, and the provisional processing agreement information (or new application information) according to the intention of the skilled person. Or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

According to an embodiment of the present invention, the online account application information may further include a gift certificate payment means application information for the online account-based account transfer payment and the gift certificate complex payment of the non-name condition through the customer wireless terminal.

The server receiving the encrypted online account application information through the communication network decrypts the online account application information by a decryption method corresponding to the encryption method (1645), and stores the decrypted online account application information in a storage medium. (1640).

According to another embodiment of the present invention, the process of storing the online account application information on the storage medium may be omitted according to a business cooperation agreement between the server (or an online account opening institution) and the OA server (or a financial institution). As such, the present invention is not limited thereto.

Thereafter, the server transmits the online account application information to the OA server through a financial network (1645), and the OA server receives the online account application information provided from the server through the financial network (1650).

17 is a diagram illustrating a process of opening an online account of a virtual account attribute according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates a virtual account having the real name verified as a real account based on the online account application information provided from the online account opening server 100 in the online account management server 105 shown in FIG. As for the process of opening an online account of the attribute, a person of ordinary skill in the art to which the present invention pertains, various aspects of the process of opening an online account of the virtual account attribute by referring to and / or modified in the figure 17 Although the method of inference may be inferred, the present invention includes all of the inferred method of implementation, and the present invention is not limited thereto.

For example, in FIG. 17, only the online account application information is provided from the online account opening server 100 to the online account management server 105. However, the present invention has a general knowledge in the technical field to which the present invention pertains. If not, the provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face) in addition to the online account application information Financial transaction application information) and the like may be inferred from the implementation method provided to the online account management server 105. However, the present invention provides the provisional processing agreement information (or provisional application) to the online account management server 105. Information), or online account security information, financial transaction application information, or virtual account processing information, or non-face-to-face financial transactions. The information (or non-face-to-face financial transaction application information) is further provided, and the present invention is not limited thereto.

In the following figure 17, the online account management server 105 shown in FIG. 11 is referred to as " server " for convenience.

Referring to FIG. 17, when online account application information is received from the online account opening server 100 shown in FIG. 11 through the process shown in FIG. 15 or FIG. 16, the server receives the online account. The application information is read to see if it is possible to open the online account (1700).

If it is not possible to open the online account based on the online account application information (1705), the server generates the account opening error information and provides the online account opening server 100 (1710), the online account The opening server 100 transmits the account opening error information to the customer terminal through the communication network (1715), thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (1705), the server processes the online account corresponding to the online account application information on the financial system in a blind manner in association with the financial system. In operation 1720, the online account is processed into a virtual account having the real name verified as the parent account in connection with the financial system (1725).

According to an exemplary embodiment of the present invention, the server adds the parent account number corresponding to the real name verified to the false transaction information added to the online account ledger as shown in FIG. It is preferable to process the ledger corresponding to the online account opened by the virtual account having the real name identified as the real account.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account in the online account ledger, a parent account management institution information and a mother account information corresponding to a mother account to be linked to the online account as shown in FIG. It is preferable to process the virtual account processing information including a relational relationship, so that the ledger corresponding to the online account opened by the provisional opening unit as a virtual account having the real name verified as the parent account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a database linked to the ledger D / B in which the online account ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the opened online account into a virtual account having the real name verified as the parent account.

If the online account of the virtual account attribute is registered (x30), the server generates the gift certificate account information for the online account-based account transfer payment and gift voucher complex payment on the condition of non-real name through the customer wireless terminal, and linked with the financial system Register with the online ledger (x35).

If the gift certificate account information is registered in the online account ledger (x40), the server performs a non-real name financial transaction (e.g., account transfer payment) through the online account of the virtual account attribute and the non-real name based on the gift certificate account. Create an online account module (or extract from a database (not shown)) that handles the online account and gift voucher complex payment of the conditions, and the customer wireless terminal included in the online account application information generated (or extracted) Provided to the customer wireless terminal through a wireless communication network corresponding to the information.

18 is a diagram illustrating a real name verification process of an online account according to an exemplary embodiment of the present invention.

In more detail, FIG. 18 illustrates a real name verification process of an online account processed as a virtual account using the real account verified as a real account through the process shown in FIG. 17 through the online account registration system shown in FIG. The present invention relates to a process of performing a new financial account, and more specifically, to a method of continuously providing at least one financial transaction through the online account without the real name verification by automatically extending the real name verification expiration date.

Those skilled in the art to which the present invention pertains, various implementations to check the real name for the online account treated as a virtual account using the real name as the parent account by referring to and / or modifying this figure 18 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In the following figure 18, the online account management server 105 on the online account registration system shown in FIG. 11 is referred to as " server " for convenience.

Referring to FIG. 18, the server may be a bank terminal (not shown) based financial transaction system linked to the financial system (or a financial system), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Correspondingly) (1800).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

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

If the real name verification period for the online account has not elapsed in response to the online account application information (1815), the server verifies the real name of the customer for the online account processed as a virtual account having the real name verified as the parent account. Repeat the process.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1815), the server is linked to the financial system and the real name verification expiration date for the online account (e.g. Automatically extending the real name verification expiration date (1820), thereby continuously providing at least one or more financial transactions through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1805), the server connects the online account processed with the virtual account attribute having the real name verified as the real account in association with the financial system. It returns to the original online account (1825) and processes the online account as a new financial account whose real name is confirmed in connection with the financial system (1830).

According to the method of the present invention, when the online account ledger information includes real account ledger information when the online account of the virtual account attribute having the real name verified real account as the parent account is processed as the new financial account, the server It is preferable to process the online account as a new financial account whose real name is confirmed by erasing the provisional processing information or the virtual account processing information added to the online account ledger.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account of the virtual account attribute whose real name is identified as the parent account is processed as the new financial account, the server may be configured to the online account ledger. By deleting the added pseudo-processing information or virtual account processing information and replacing (or converting) the virtual account ledger information with real account ledger information, processing the online account as a new financial account whose real name is confirmed. desirable.

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

19 is a diagram illustrating a real name verification process of an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 19 illustrates a real name verification process of an online account processed as a virtual account using the real account identified as the real account through the process shown in FIG. 17 through the online account registration system shown in FIG. This is a process of performing a new financial account, and specifically, when the real name verification expiration date has elapsed, the amount of money deposited in the online account is transferred to the original account (for example, a financial account (or other online). Account) and a dormant process for the online account.

Those skilled in the art to which the present invention pertains, various implementations to check the real name of the online account treated as a virtual account with the real name as the parent account by referring to and / or modifying this figure 19 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In the following figure 19, the online account management server 105 on the online account registration system shown in FIG. 11 is referred to as " server " for convenience.

Referring to FIG. 19, the server may be a bank terminal (not shown) based financial transaction system linked to the financial system (or a financial system), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Correspondingly) (1900).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1905), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (1910).

If the real name verification period for the online account has not elapsed in response to the online account application information (1915), the server checks the customer real name of the online account processed as a virtual account having the real name verified as the parent account. Repeat the process.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1915), the server, in connection with the financial system, deposits the amount deposited in the online account in response to the online account application information. For example, in response to the online account application information, an investment amount (or a deposit amount) is returned to the online account as a financial account), and the online account is processed as a dormant account in response to the online account application information (1920).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1905), the server connects the online account processed with the virtual account attribute having the real name verified as the parent account in association with the financial system. It returns to the original online account (1925) and processes the online account as a new financial account whose real name is confirmed in connection with the financial system (1930).

According to the method of the present invention, when the online account ledger information includes real account ledger information when the online account of the virtual account attribute having the real name verified real account as the parent account is processed as the new financial account, the server It is preferable to process the online account as a new financial account whose real name is confirmed by erasing the provisional processing information or the virtual account processing information added to the online account ledger.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account of the virtual account attribute whose real name is identified as the parent account is processed as the new financial account, the server may be configured to the online account ledger. By deleting the added pseudo-processing information or virtual account processing information and replacing (or converting) the virtual account ledger information with real account ledger information, processing the online account as a new financial account whose real name is confirmed. desirable.

Thereafter, the server may retroactively process the account opening date of the financial account, which is processed as the new financial account, in association with the financial system as the provisional opening date (1935).

20 is a diagram illustrating the configuration of a customer wireless terminal 2000 function for on-line account-based account transfer payment and gift voucher complex payment in a non-named condition according to an embodiment of the present invention.

More specifically, FIG. 20 illustrates a mobile communication terminal accessing a mobile communication network operating based on Code Division Multiple Access (CDMA) / Wide CDMA (WCDMA) for online account-based account transfer payment and gift certificate complex payment under the non-real name condition. In the case of performing the function of the customer wireless terminal 2000, the online account-based account transfer payment and the gift certificate complex payment (e.g., some of the payment amount is processed through the online account-based account transfer payment under the non-name condition) , The remaining part is for the configuration of a preferred function of the terminal device for payment through voucher payment, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present figure 20 and the non-real name condition Other terminal devices (e.g., mobile Internet terminal, etc.) And / or an implementation method for various functional configurations corresponding to the characteristics of each terminal device may be inferred, but the present invention includes all the implementation methods inferred above, and only the implementation method illustrated in FIG. The technical features are not limited.

According to an embodiment of the present invention, the customer wireless terminal 2000 providing CDMA / WCDMA and / or HSDPA-based mobile communication service has a physical body, a speaker, a microphone, a keypad, and an LCD in terms of hardware. It includes a crystal display, an antenna and a battery 2025, and internally includes predetermined functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), and a vocoder. Modem chips (e.g., MSM series modem chips from Qualcomm, USA), various memory devices, duplexer filters that separate transmission and reception signals from one antenna, power amplifiers for amplifying transmission signals, and high power amplifiers HPA), an isolator that prevents the return of high power transmission signals, RF / IF SAW filters to remove unwanted out-of-band unwanted signals, and frequency phase of the transmission path. Circuit, frequency downconversion circuit of receive path, Voltage Controlled Temperature Compensated X-tal Oscillator (VCTCXO) corresponding to reference clock source, UHF frequency synthesizer used as local signal of frequency up-down conversion, and analog voice signal to digital signal It is characterized in that it comprises a codec chip for the purpose, such internal components are gradually integrated in the modem chip, the modem chip is also a variety of multimedia in addition to the core components for the mobile communication service as described above Various functions for services and / or additional services are integrated together.

Referring to FIG. 20, the customer wireless terminal 2000 for the online account-based account transfer payment and the gift certificate complex payment under the non-real name condition is structurally provided in a control unit 2005 corresponding to the modem chip and a liquid crystal display (LCD). A corresponding screen output unit 2010, a sound processing unit 2015 corresponding to a microphone / speaker, a key input unit 2020 corresponding to a keypad, a wireless processing unit 2030 corresponding to an antenna and various RF modules, and And a memory unit corresponding to the volatile memory, and a battery 2025 for supplying a predetermined power.

In addition, the customer wireless terminal 2000 is an IC chip (eg, financial IC chip) mounted on or detached from the customer wireless terminal 2000 to provide various financial (or payment) services and / or various additional services corresponding thereto. Or USIM, etc.) and an IC chip reader 2035 for reading / writing predetermined information (or data) on the IC chip.

The control unit 2005 includes a processor and execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program for providing a function unique to the customer wireless terminal 2000 from a predetermined memory device. And a bus for inputting and outputting routines and / or program data, and predetermined electronic circuits (or integrated circuits) provided therefor. The memory unit and / or the memory device in software. A generic term for program routines and / or program data loaded from the (or chipset) into the execution memory and computed through the processor to perform unique functions (and thus, the online account-based payment and gift certificate combinations of the non-real name terms). Corresponds to the online account module recorded on the recording medium of the customer wireless terminal 2000 for payment. A program routine to be described is illustrated as being provided in the control unit 2005 for convenience.), A program routine provided in the control unit 2005 basically includes an operating system routine (not shown) and at least one system management routine (e.g., , A power management routine, a channel (forward / reverse) management routine, a handoff routine, etc.), and various functions to be implemented in the customer wireless terminal 2000 by the controller 2005. It is characterized in that the configurations are realized.

According to an exemplary embodiment of the present invention, after power is supplied to the customer wireless terminal 2000, the operating system routine (not shown), at least one system management routine (not shown), and various system variables corresponding thereto are included in the control unit. By loading into the execution memory included in (2005) and arithmetic processing by the processor, the customer wireless terminal 2000 according to a predetermined booting procedure, the system setting detailed state, the pilot channel acquisition detailed state, the sync channel acquisition detailed state and An operation mode corresponding to the "mobile station initialization state" including the timing conversion detail state is set.

After performing the booting procedure, the operating system routine (not shown), at least one system management routine (not shown), and various system variables corresponding thereto are loaded into the execution memory included in the controller 2005 and loaded into the processor. By the arithmetic processing, the customer radio terminal 2000 is set to an operation mode corresponding to a "mobile station call waiting state", "system access state", "call channel state", and the like, thereby enabling mobile communication based wireless connection and call processing. Perform the Call Processing procedure.

According to an exemplary embodiment of the present invention, the online account-based account transfer payment and the gift certificate combined payment function of the non-real name condition allow the customer wireless terminal 2000 to input a predetermined key in an operation mode corresponding to the "mobile station call waiting state". It is preferred to be initiated (or realized) through.

The screen output unit 2010 is a function configuration unit for confirming operation of each operation mode of the customer wireless terminal 2000 and a corresponding operation state, and includes an LCD provided in the customer wireless terminal 2000. At least one screen output device and a driver for driving the screen output device, and output at least one key data input through the key input unit 2020 in association with the control unit 2005, And / or output a menu screen, a function processing screen, and a function processing result screen corresponding to at least one or more functions (or programs) included in the customer wireless terminal 2000, and / or to the customer wireless terminal 2000. Outputting at least one or more contents (e.g., text contents, image contents, multimedia contents) provided (or downloaded) Shall be.

According to the exemplary embodiment of the present invention, the screen output unit 2010 outputs a screen for outputting a menu screen, a function processing screen, and a function processing result screen corresponding to the online account-based account transfer payment and the gift certificate complex payment function under the non-real name condition. It is desirable to perform the function of the means.

The sound processor 2015 is a functional component that processes input and output of sound in each operation mode of the customer wireless terminal 2000. The sound processor decodes at least one or more encoded sound data to the customer wireless terminal 2000. And a vocoder and a codec for encoding and encoding a sound signal inputted through a microphone provided in the customer wireless terminal 2000 and / or outputted to a speaker provided in the receiver. It features.

According to an embodiment of the present invention, the sound processor 2015 may correspond to a predetermined ring tone through the speaker in an operation mode corresponding to the “system access state” of each operation mode of the customer wireless terminal 2000. It is preferable to decode and output sound data, and / or to encode and input a predetermined voice signal through a microphone in an operation mode corresponding to the "call channel state", or to decode and output a predetermined voice signal through a speaker. Do.

Also, the sound processor 2015 may include at least one sound content and / or multimedia content provided (or downloaded) by the customer wireless terminal 2000 in at least one operation mode including the "mobile station call waiting state." In reproduction, it is preferable to decode and output sound data corresponding to the reproduced content.

According to the exemplary embodiment of the present invention, the sound processor 2015 may perform a function of sound output means for decoding and outputting sound data corresponding to the online account-based account transfer payment and the gift certificate complex payment function under the non-blind condition. Do.

The key input unit 2020 is provided with at least one key button including a predetermined number key and / or a character key and / or a function key. And a driver for driving the key input device, thereby detecting at least one key input signal generated by clicking (or entering) the key button in the key input device. It is characterized by.

According to the present invention, when a predetermined key input signal is detected from a predetermined key button provided in the key input device in a predetermined input mode and / or at least one or more operation modes controlled by the control unit 2005, the key The input unit 2020 may generate predetermined key events (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the detected key input signal, and provide the generated key event to the controller 2005. The controller 2005 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the customer wireless terminal 2000 (eg, a specific key in each input mode and / or operation mode). Read key data from the key table that stores (manages) at least one key data corresponding to the event; The method may further include reading a command for executing a predetermined function that is matched with a key key event.

According to an embodiment of the present invention, the key input unit 2020 inputs a predetermined telephone number in an operation mode corresponding to the "mobile station call waiting state" of each operation mode of the customer wireless terminal 2000, By inputting a "call" button, it is preferable to change the operation mode of the customer wireless terminal 2000 to an operation mode corresponding to the "system access state".

In addition, the key input unit 2020 inputs a predetermined function key (for example, a menu key) in an operation mode corresponding to the "mobile station call waiting state" of each operation mode of the customer wireless terminal 2000, thereby receiving the customer. It is desirable to execute various functions provided in the wireless terminal 2000.

According to the exemplary embodiment of the present invention, the key input unit 2020 performs a function of key input means for inputting at least one or more key data corresponding to the online account-based account transfer payment and the gift certificate combined payment function under the non-real name condition. desirable.

The wireless processing unit 2030 is a functional component that connects a wireless channel with a base station on a mobile communication network operated by the customer wireless terminal 2000 based on CDMA / WCDMA and / or HSDPA. , Duplexer filter, power amplifier, high power amplifier (HPA), isolator, RF / IF SAW filter, frequency up-circuit, frequency down-conversion circuit, VCTCXO, UHF frequency synthesizer, etc. And an antenna and a driver for driving the antenna, and the location registration and / or slot mode corresponding to each operation mode of the customer wireless terminal 2000 in conjunction with the controller 2005. And / or perform Power Control and / or Hand-off and / or Call Processing procedures.

According to an exemplary embodiment of the present invention, the wireless processing unit 2030 may transmit / receive a radio frequency signal transmission / reception function (eg, antenna control, modulation of radio frequency signals, corresponding to the online account-based account transfer payment and the gift certificate complex payment function under the non-real name condition). Synthesis, amplification and / or filtering).

Particularly, the wireless processing unit 2030 processes or processes information or a signal transmitted from the customer wireless terminal 2000 to the base station for the online account-based account transfer payment and the gift certificate complex payment under the non-real name condition, or the It is preferred to include a function for reading out predetermined information or signals from the CDMA stack received from the base station.

According to another embodiment of the present invention, if the customer wireless terminal 2000 shown in FIG. 20 is a portable Internet terminal, the wireless processing unit 2030 accesses an IEEE 802.16x based portable Internet and transfers an online account based on the non-real name condition. It is possible to include a wireless communication function configuration for providing a predetermined portable Internet service for payment and gift voucher complex payment, by which the present invention is not limited.

The IC chip reader unit 2035 may be an IC chip (eg, a financial IC chip) mounted on or detached from the customer wireless terminal 2000 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443. Or a functional component for exchanging at least one information (or data, or command) with a contact IC card reader corresponding to the ISO / IEC 7816 standard, and / or the ISO / IEC 14443 standard. And a contactless IC card reader, wherein the IC card reader exchanges at least one information (or data or command) with the IC chip through an APDU (Application Protocol Data Unit). .

Referring to the standards including ISO / IEC 7816 and / or ISO / IEC 14443, an IC chip mounted or detached from a customer wireless terminal may include a power supply (VCC), a reset signal (RST), and a clock signal (CLK). An input / output interface that communicates (eg, exchanges commands or data) with the IC chip reader unit 2035 through contact points such as ground (GND), programming power supply (VPP), and / or input / output (I / O), A processor unit comprising at least one computing element including a central process unit (CPU), a micro process unit (MPU), and / or a coprocessor, a read only memory (ROM), a random access memory (RAM) And at least one memory device including an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like, and in particular, at least one memory device (eg, a ROM) Sleeping inside card A chip operating system (COS) for managing and operating a circle is stored. When a predetermined power is supplied from the IC chip reader unit 2035 through a power supply (VCC) contact point of the input / output interface, the memory is stored in the memory. The stored COS is loaded into a predetermined execution memory to control the overall operation of the IC chip, and to generate an APDU (Application Protocol Data Unit) based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the clock signal (CLK) contact point. It controls the information or data exchange between the IC chip and the IC chip reader unit 2035 through.

When the IC chip is provided in the customer wireless terminal 2000 according to the embodiment of the present invention, the IC chip may include IC chip storage information for online account-based account transfer payment and gift voucher complex payment under non-real name conditions. In this case, the IC chip storage information is stored in the storage unit for storing a data set corresponding to the predetermined information or data to be read and / or used by the processor provided in the customer wireless terminal, the operation of the processor unit It is driven or executed by a function set and a command set provided by the COS, and operated as a program routine (for example, Java Applet in the case of Javacard) used by a processor provided in the customer wireless terminal. It includes an instruction call code that interacts with the instruction set of the COS, and execution code that is processed by the processor unit. Preferably, a processing unit corresponding to an application is provided. Particularly, the processing unit reads a command provided from a processor included in the customer wireless terminal through the input / output interface through an APDU, and stores the storage unit based on the read command. Read or record at least one or more information or data stored in, and provide the result or read information or data to the processor provided in the customer wireless terminal via the input and output interface through the APDU.

According to an exemplary embodiment of the present invention, the information provided in the storage unit of the IC chip storage information for the online account-based account transfer payment and the gift certificate complex payment under the non-real name condition is registered in the online account shown in FIG. 2 or 11. It is preferable to include online account information and gift certificate account information registered through the system.

According to another exemplary embodiment of the present invention, IC chip storage information may be omitted for the online account-based account transfer payment and the gift certificate complex payment under the non-real name condition, and thus the present invention is not limited thereto.

According to a preferred embodiment of the present invention, the memory of the IC chip includes a security structure based on ISO / IEC 10202, whereby the memory is a protected area in which secret information such as a chip serial number (CSN) is stored. And a COS control area, a user application area, a read / write access area, an application program area, and a FAT (File Allocation Table) management area, and the like. The IC chip storage information for the present invention includes the protection area and the COS control area. It is preferable to be stored in an area except for.

In addition, according to ISO / IEC 7816 and / or ISO / IEC 14443 ICC standard, the memory includes one master file (MF) corresponding to a root file and at least one or more subordinate to the master file. ATR (Answer To Reset) including function information about stored information, at least one dedicated file (DF) corresponding to each ICC stored information, and a smart card service disposed under the dedicated file. It includes a file structure consisting of an element file (EF) containing the actual information and / or data for, the IC chip storage information for the present invention also comprises such a file structure.

The memory unit may include a storage medium for storing at least one or more information (or data) in the customer wireless terminal 2000, and / or a nonvolatile memory corresponding to a recording medium for recording program codes corresponding to at least one or more program routines. Collectively, a read only memory (ROM) corresponding to the read-only memory, a flash memory (FM), an electrically erasable and programmable read only memory (EEPROM), and the like may be included. do.

According to an embodiment of the present invention, the ROM information of the nonvolatile memory is not to be stored, and the flash memory is provided through an operating system routine, a call processing program routine, and / or the customer wireless terminal 2000. Various application program routines and information or data for the same are stored, and the EEPROM is extracted and / or executed while performing an application provided in the customer wireless terminal 2000. Alternatively, at least one or more information (or data) generated is preferably stored.

According to an embodiment of the present invention, the memory unit for the online account-based account transfer payment and the gift voucher complex payment of the non-real name conditions registered online account information and gift certificate account through the online account registration system shown in Figure 2 or Figure 11 It is preferable to include information.

Referring to FIG. 20, when the customer wireless terminal 2000 requests a payment through the customer wireless terminal 2000, the customer wireless terminal 2000 may check the payment target payment information (eg, an online / offline store or a payment affiliate store). And an information checking unit 2045 for reading the payment target information and confirming whether the payment request can be processed through at least one electronic gift certificate corresponding to the gift certificate account, and checking the payment processing through the electronic gift certificate. An amount calculation unit 2050 for calculating a first payment amount through an account transfer under the non-real name condition through the online account, a second payment amount through the electronic gift certificate, and the first payment amount among the requested payment amount; An account transfer payment unit 2070 that processes payment through account transfer under an unnamed condition for the online account, and an electronic gift certificate corresponding to the gift certificate account with the second payment amount; It characterized in that it comprises a gift voucher payment unit 2075 to process the payment through, the more incentive is applied to the customer of the account transfer payment means of the non-real name terms through the online account and the gift certificate payment means through the electronic gift certificate First, the payment method check unit 2055 for confirming the payment target payment method further comprises.

When requesting payment through the customer wireless terminal 2000 (for example, clicking a payment hot key provided on the customer wireless terminal 2000, selecting a payment menu, or receiving payment information through a communication network), the information checking unit 2045. At least one corresponding to the gift certificate account by confirming the requested payment target information (eg, an online / offline store or a payment affiliate store), comparing the gift certificate usage information included in the gift certificate account information with the payment target information. Characterized by checking whether the payment can be processed through the electronic gift certificate.

As a result of confirming the information confirming unit 2045, when confirming payment processing through the electronic gift certificate, the payment means confirming unit 2055 reads incentive information for each payment means included in the requested payment information and reads the online account. It is characterized by identifying the preferred payment target payment means to which more incentives are applied to the customer among the non-named account transfer payment means and the gift certificate payment means through the electronic gift certificate.

According to an exemplary embodiment of the present invention, the amount calculating unit 2050 calculates a first payment amount (= account transfer payment amount) through an account transfer transaction under a non-real name condition through the online account among the requested payment amounts. The first payment amount (= gift voucher payment amount) is calculated by subtracting the first payment amount from the payment request amount.

According to another exemplary embodiment of the present invention, the amount calculating unit 2050 calculates a second payment amount (= gift certificate payment amount) through the electronic gift certificate among the payment requested amount, and the And calculating a first payment amount (eg, an account transfer payment amount under a non-real name condition through the online account) after subtracting a second payment amount.

According to another exemplary embodiment of the present invention, the payment means confirmation unit 2055 has more incentives to the customer of the account transfer payment means of the non-named condition through the online account and the gift certificate payment means through the electronic gift certificate. When the preferred payment target payment method that is applied is confirmed, the amount calculation unit 2050 is the maximum amount that can be paid through the identified preferred payment target payment means of the payment requested amount through the preferred payment target payment means It is characterized by calculating.

For example, when the payment amount is 55,000 won, and the preferred payment target payment means is confirmed as a gift certificate payment means, and the electronic gift certificate face value corresponding to the gift certificate payment means is 50,000 won, the amount calculation unit 2050 may execute the electronic gift certificate. It is preferable that the face value of 50,000 is calculated as the settlement amount corresponding to the gift certificate settlement means.

When the first payment amount is calculated by the amount calculation unit 2050 (for example, the account transfer payment amount under the blind name condition through the online account), the account transfer payment unit 2070 is connected to the online account operation server through a communication network. In connection, the first payment amount is characterized in that the payment processing through the account transfer on the non-name condition for the online account.

According to an embodiment of the present invention, when the online account is an online account of an interest rate-linked rechargeable prepaid card attribute registered through the online account registration system shown in FIG. 2, the account transfer payment unit 2070 is an online account. Preferably, the first payment amount is processed by processing an account transfer transaction based on an interest rate linked prepaid card attribute of the online account in association with an operation server.

According to another embodiment of the present invention, when the online account is an online account of a virtual account attribute registered through the online account registration system shown in FIG. 11, the account transfer payment unit 2070 may be connected to an online account operation server. It is preferable to process the first payment amount by processing an account transfer transaction based on the virtual account attribute of the online account in association.

In the technical field to which the present invention belongs, the online account management server registers the online account shown in FIG. The technical feature of processing through an online account of the interest rate-linked rechargeable prepaid card attribute registered through the system, or the online transfer shown in FIG. You will be familiar with the technical features of processing the first payment amount calculated by the amount calculator 2050 through the online account of the virtual account attribute registered through the account registration system, a detailed description thereof will be omitted for convenience. Let's do it.

When the second payment amount (eg, gift voucher payment amount) is calculated by the amount calculation unit 2050, the gift voucher payment unit 2075 is connected to the online account operation server through a communication network to correspond to the gift voucher account. The second payment amount is characterized in that the payment is processed through the face value of the electronic gift certificate including the use of the gift certificate matching the payment target.

Those skilled in the art to which the present invention pertains register the payment of the gift certificate requested from the gift certificate payment unit 2075 in the online account operation server through the online account registration system shown in FIG. 2 or FIG. Since you will be familiar with the technical features of the payment processing of the second payment amount through the electronic voucher deposited in the gift certificate account associated with the online account, the detailed description thereof will be omitted for convenience.

Referring to FIG. 20, the customer wireless terminal 2000 is a preferred payment target payment in which more incentives are applied to the customer among the account transfer payment means of the non-real name condition through the online account and the gift certificate payment method through the electronic gift certificate. Payment means confirmation unit 2055 for confirming the means, and if the preferred payment target payment means is confirmed or selected as a gift certificate payment means, the validity check to confirm the validity of the gift certificate payment for the second payment amount through the gift certificate payment means When the validity of payment of the gift certificate payment is not confirmed, the gift certificate processing unit may charge the priority payment target electronic gift certificate or purchase the priority payment target electronic gift certificate through a financial transaction under an unnamed condition through the online account ( 2065 is further included. In this case, the amount calculation unit 2050 It is possible to calculate the second payment amount (= gift certificate payment amount) to the same amount as the payment amount (payment requested amount), whereby the present invention is not limited.

A request for payment through the customer wireless terminal 2000 (eg, a payment hotkey click on the customer wireless terminal 2000, a payment menu selection, or payment information received through a communication network), and the information checking unit 2045. When it is determined that the payment request payment can be processed through at least one electronic gift certificate corresponding to the gift certificate account through, the payment method confirmation unit 2055 is an incentive for each payment method included in the payment information requested for payment. The information may be read to identify the preferred payment target payment method to which more incentives are applied to the customer among the non-named account transfer payment means through the online account and the gift certificate payment means through the electronic gift certificate.

If there is no incentive information for each payment method in the requested payment information, or if the first payment target payment method is confirmed as the direct transfer payment method, the account transfer payment unit 2070 is provided through a communication network. The first payment amount calculated by the amount calculating unit 2050 may be settled through an account transfer under an unnamed condition for the online account in connection with an online account operation server.

Those skilled in the art to which the present invention pertains, register the online account shown in FIG. 2 in connection with a financial system for the account transfer transaction requested from the account transfer payment unit 2070 in the online account operation server. The technical feature of processing through an online account of the interest rate-linked rechargeable prepaid card attribute registered through the system, or the online transfer shown in FIG. You will be familiar with the technical features of the payment processing of the first payment amount calculated by the amount calculation unit 2050 through the online account of the virtual account attribute registered through the account registration system, a detailed description thereof is for convenience. It will be omitted.

On the other hand, if the first payment target payment means is confirmed or selected as a gift certificate payment means, the validity confirming unit 2060 checks whether the second payment amount can be paid through the gift certificate payment means to check the validity of payment of the gift certificate It is characterized by.

Here, the validity check of the gift certificate payment, the par value of the electronic gift certificate confirmed or selected as the preferred payment target means compares the second payment amount, and the par value of the electronic gift certificate is greater than or equal to the second payment amount. It is preferable to include checking.

If the face value of the electronic gift certificate is less than the second payment amount, the gift certificate processing unit 2065 charges the priority payment target electronic gift certificate through a non-real name financial transaction through the online account. Or, or to purchase the priority payment target electronic gift certificate.

If the value of the gift voucher payment validity is confirmed, the face value of the electronic voucher is greater than or equal to the second payment amount, or the gift voucher processing unit 2065 is charged or charged so that the preferred payment target electronic voucher exceeds the second payment amount. Once purchased, the gift certificate payment unit 2075 performs a payment processing on the second payment amount through a face value of an electronic gift certificate corresponding to the preferred payment target in connection with an online account management server through a communication network. .

Those skilled in the art to which the present invention pertains register the payment of the gift certificate requested from the gift certificate payment unit 2075 in the online account operation server through the online account registration system shown in FIG. 2 or FIG. You will be familiar with the technical features of the payment processing through the electronic voucher deposited in the gift certificate account associated with the online account, the detailed description thereof will be omitted for convenience.

21 is a diagram illustrating a process of processing an online account-based account transfer payment and a gift certificate complex payment under a non-real name condition according to an exemplary embodiment of the present invention.

In more detail, FIG. 21 illustrates a case where the customer wireless terminal 2000 illustrated in FIG. 20 is provided with an online account module provided through the online account registration system illustrated in FIG. 2 or 11. In the process of making a payment request through the online account module provided in the), a part of the requested payment amount is processed through the online account-based account transfer transaction under the condition of non-real name, and the other part is processed to pay through the gift certificate. In particular, a method of processing a portion of a requested payment amount through an online account-based bank transfer transaction under the condition of non-real name, without checking a separate preferred payment method, and processing the remaining portion to be paid through the gift certificate. It is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 21 to infer various implementation methods for the process of processing the online account-based account transfer payment and the gift certificate complex payment under the non-real name condition. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 21, the customer wireless terminal 2000 inputs payment information including a payment amount and payment target information (eg, an online / offline store or a payment affiliate store) or receives the information through a communication network. 2 or 2100, it is checked whether payment through the online account module provided through the online account registration system shown in FIG. 11 is requested.

If the payment request is confirmed (2105), the customer wireless terminal 2000 reads the payment information to confirm payment target information (eg, an online / offline store or a payment affiliate store) for the requested payment ( 2110, comparing the gift voucher using information included in the gift certificate account information with the payment target information, and confirming whether the payment requested payment can be processed through one or more electronic gift certificates corresponding to the gift voucher account (2115).

If the payment target information does not match with the gift voucher used for any electronic gift voucher deposited in the gift voucher account (2120), the customer wireless terminal 2000 is connected to the online account management server through a communication network to the online account. The payment request amount is processed through the account transfer under the condition of non-real name (2125).

According to an embodiment of the present invention, when the online account is an online account of an interest rate linked prepaid card attribute registered through the online account registration system shown in FIG. 2, the customer wireless terminal 2000 operates an online account. It is preferable to process a payment corresponding to the payment request by processing an account transfer transaction based on the interest rate linked prepaid card attribute of the online account in connection with the server.

According to another embodiment of the present invention, when the online account is an online account of a virtual account attribute registered through the online account registration system shown in FIG. 11, the customer wireless terminal 2000 is connected to an online account operation server. It is preferable to process a payment corresponding to the payment request by processing an account transfer transaction based on the virtual account attribute of the online account.

Those skilled in the art to which the present invention belongs, the online account registration system shown in Figure 2 in connection with the financial system to the account transfer transaction requested from the customer wireless terminal 2000 in the online account management server Through the online account of the interest rate linked prepaid card attribute registered through the through, or the online account registration shown in FIG. Since you will be familiar with the technical features of processing through the online account of the virtual account properties registered through the system, a detailed description thereof will be omitted for convenience.

On the other hand, if the payment target information is matched with the gift voucher used for one or more electronic vouchers deposited in the gift certificate account (2120), the customer wireless terminal (2000) of the payment amount of the non-real name terms through the online account transfer account The first payment amount through and the second payment amount through the electronic gift certificate is calculated (2130).

According to an exemplary embodiment of the present invention, the customer wireless terminal 2000 calculates a first payment amount (= account transfer payment amount) through an account transfer transaction under an unnamed condition through the online account among the payment requested amounts. It is preferable to calculate a first payment amount (= gift voucher payment amount) after deducting the first payment amount from the payment request amount.

According to another exemplary embodiment of the present invention, the customer wireless terminal 2000 calculates a second payment amount (= gift certificate payment amount) through the electronic gift certificate among the payment requested amount, and the It is preferable to calculate a first payment amount (eg, an account transfer payment amount under a non-real name condition through the online account) after deducting a second payment amount.

If the first payment amount through the account transfer under the non-real name condition through the online account and the second payment amount through the electronic gift certificate are calculated (2135), the customer wireless terminal 2000 is connected to the online account operation server through a communication network. In operation 2140, the first payment amount is settled through an account transfer under an unnamed condition for the online account.

According to an embodiment of the present invention, when the online account is an online account of an interest rate-linked rechargeable prepaid card attribute registered through the online account registration system shown in FIG. 2, the account transfer payment unit 2070 is an online account. Preferably, the first payment amount is processed by processing an account transfer transaction based on an interest rate linked prepaid card attribute of the online account in association with an operation server.

According to another embodiment of the present invention, when the online account is an online account of a virtual account attribute registered through the online account registration system shown in FIG. 11, the account transfer payment unit 2070 may be connected to an online account operation server. It is preferable to process the first payment amount by processing an account transfer transaction based on the virtual account attribute of the online account in association.

Those skilled in the art to which the present invention pertains, register the online account shown in FIG. 2 in connection with a financial system for the account transfer transaction requested from the account transfer payment unit 2070 in the online account operation server. The technical feature of processing through an online account of the interest rate-linked rechargeable prepaid card attribute registered through the system, or the online transfer shown in FIG. You will be familiar with the technical features of processing the first payment amount calculated by the amount calculator 2050 through the online account of the virtual account attribute registered through the account registration system, a detailed description thereof will be omitted for convenience. Let's do it.

In addition, the second wireless terminal 2000 is connected to the online account management server through the communication network through the face value of the electronic voucher that includes the voucher using the matched voucher of the electronic voucher corresponding to the gift voucher account through the second value; The payment amount is processed for payment (2145).

Those skilled in the art to which the present invention pertains register the payment of the gift certificate requested from the gift certificate payment unit 2075 in the online account operation server through the online account registration system shown in FIG. 2 or FIG. Since you will be familiar with the technical features of the payment processing of the second payment amount through the electronic voucher deposited in the gift certificate account associated with the online account, the detailed description thereof will be omitted for convenience.

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Output a payment method selection interface for selecting one of the payment means of the non-real name condition through the online account and the payment method of the gift certificate through the electronic gift certificate (2130), and through the payment method selection interface In operation 2135, it is determined whether a payment method selected from a transfer payment method and a gift certificate payment method is selected as a payment target payment method.

If the bank transfer payment method is selected through the payment method selection interface (2140), the customer wireless terminal 2000 is connected to the online account management server through a communication network to pay through the account transfer of the non-real name terms for the online account. The requested amount is processed for payment (2125).

According to an embodiment of the present invention, when the online account is an online account of an interest rate linked prepaid card attribute registered through the online account registration system shown in FIG. 2, the customer wireless terminal 2000 operates an online account. It is preferable to process a payment corresponding to the payment request by processing an account transfer transaction based on the interest rate linked prepaid card attribute of the online account in connection with the server.

According to another embodiment of the present invention, when the online account is an online account of a virtual account attribute registered through the online account registration system shown in FIG. 11, the customer wireless terminal 2000 is connected to an online account operation server. It is preferable to process a payment corresponding to the payment request by processing an account transfer transaction based on the virtual account attribute of the online account.

Those skilled in the art to which the present invention belongs, the online account registration system shown in Figure 2 in connection with the financial system to the account transfer transaction requested from the customer wireless terminal 2000 in the online account management server Through the online account of the interest rate linked prepaid card attribute registered through the through, or the online account registration shown in FIG. Since you will be familiar with the technical features of processing through the online account of the virtual account properties registered through the system, a detailed description thereof will be omitted for convenience.

On the other hand, if the bank transfer payment means is selected through the payment method selection interface (2140), the customer wireless terminal 2000 checks the validity of the gift certificate payment for the gift certificate payment means (2145).

Here, the voucher payment validity confirmation is, the face value of the electronic voucher confirmed or selected as the preferred payment target means to compare the amount requested for payment, whether the face value of the electronic gift certificate is greater than or equal to the amount requested for payment. It is preferable to include checking.

If the validity of the gift certificate payment is confirmed (eg, if the face value of the electronic gift certificate is less than the requested amount of payment) (2150), the customer wireless terminal (2000) performs a financial transaction under the non-real name condition through the online account. Charge the electronic voucher for the preferred payment or purchase the electronic voucher for the preferred payment (2155), and connect the face value of the electronic voucher corresponding to the preferred payment target to the preferred payment means in connection with an online account management server through a communication network. In operation 2160, the payment corresponding to the payment request is processed.

If the voucher payment validity is confirmed (eg, if the face value of the electronic voucher is greater than or equal to the requested amount of payment) (2150), the customer wireless terminal 2000 is connected to an online account management server through a communication network. The payment corresponding to the payment request is processed through the face value of the electronic gift certificate corresponding to the preferred payment method (2160).

Those skilled in the art to which the present invention pertains register the payment of the gift certificate requested from the gift certificate payment unit 2075 in the online account operation server through the online account registration system shown in FIG. 2 or FIG. You will be familiar with the technical features of the payment processing through the electronic voucher deposited in the gift certificate account associated with the online account, the detailed description thereof will be omitted for convenience.

22 is a diagram illustrating a process of processing an online account-based account transfer payment and a gift certificate complex payment under a non-real name condition according to another exemplary embodiment of the present invention.

In more detail, FIG. 22 illustrates the case where the customer wireless terminal 2000 illustrated in FIG. 20 is equipped with an online account module provided through the online account registration system illustrated in FIG. 2 or 11. In the process of making a payment request through the online account module provided in the), a part of the requested payment amount is processed through the online account-based account transfer transaction under the condition of non-real name, and the other part is processed to pay through the gift certificate. In particular, after confirming the preferred payment method of the preferred payment method, the maximum amount of the preferred payment target payment means is pre-calculated as a payment amount for each payment method, and after calculating the payment amount corresponding to the other payment means, An implementation method of processing a payment amount through each payment means is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 22 to infer various implementation methods for the process of processing the online account-based account transfer payment and the gift certificate complex payment under the non-real name condition. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 22, the customer wireless terminal 2000 inputs payment information including a payment amount and payment target information (for example, an online / offline store or a payment affiliate store) or receives the information through a communication network. 2 or 2200, it is checked whether payment through the online account module provided through the online account registration system shown in FIG. 11 is requested.

If the payment request is confirmed (2205), the customer wireless terminal 2000 reads the payment information to confirm payment target information (eg, an online / offline store or a payment affiliate store) for the requested payment ( In operation 2215, it is determined whether the payment request payment can be processed through one or more electronic gift certificates corresponding to the gift certificate account by comparing the gift certificate use information included in the gift certificate account information with the payment target information.

If the payment target information does not match with the gift voucher used for any electronic voucher deposited in the gift voucher account (2220), the customer wireless terminal 2000 is connected to the online account management server through the communication network to the online account; The payment requested amount is processed through the account transfer under the condition of non-real name (2225).

According to an embodiment of the present invention, when the online account is an online account of an interest rate linked prepaid card attribute registered through the online account registration system shown in FIG. 2, the customer wireless terminal 2000 operates an online account. It is preferable to process a payment corresponding to the payment request by processing an account transfer transaction based on the interest rate linked prepaid card attribute of the online account in connection with the server.

According to another embodiment of the present invention, when the online account is an online account of a virtual account attribute registered through the online account registration system shown in FIG. 11, the customer wireless terminal 2000 is connected to an online account operation server. It is preferable to process a payment corresponding to the payment request by processing an account transfer transaction based on the virtual account attribute of the online account.

Those skilled in the art to which the present invention belongs, the online account registration system shown in Figure 2 in connection with the financial system to the account transfer transaction requested from the customer wireless terminal 2000 in the online account management server Through the online account of the interest rate linked prepaid card attribute registered through the through, or the online account registration shown in FIG. Since you will be familiar with the technical features of processing through the online account of the virtual account properties registered through the system, a detailed description thereof will be omitted for convenience.

On the other hand, if the payment target information is matched with the gift voucher used for one or more electronic vouchers deposited in the gift voucher account (2220), the customer wireless terminal (2000) receives incentive information for each payment method included in the payment information requested for payment. Read and confirm the preferred payment target payment means to which more payment incentives are applied to the customer among the non-named account transfer payment means through the online account and the gift certificate payment means through the electronic gift certificate (2230). It is checked whether a payment method is selected as the gift certificate payment method (2235).

If the preferred payment target payment means is selected as the wire transfer payment means (2240), the customer wireless terminal 2000 calculates a first payment amount including the maximum amount of the wire transfer payment means and then calculates the remaining amount. The second payment amount is calculated (2245).

If the preferred payment target payment means is selected as the gift certificate payment means (2240), the customer wireless terminal 2000 calculates a second payment amount including the maximum amount of the gift certificate payment means and then stores the remaining amount. It is calculated as 1 payment amount (2250).

Thereafter, the customer wireless terminal 2000 processes the first payment amount through an account transfer under a non-real name condition for the online account in connection with an online account operation server through a communication network (2255).

According to an embodiment of the present invention, when the online account is an online account of an interest rate-linked rechargeable prepaid card attribute registered through the online account registration system shown in FIG. 2, the account transfer payment unit 2070 is an online account. Preferably, the first payment amount is processed by processing an account transfer transaction based on an interest rate linked prepaid card attribute of the online account in association with an operation server.

According to another embodiment of the present invention, when the online account is an online account of a virtual account attribute registered through the online account registration system shown in FIG. 11, the account transfer payment unit 2070 may be connected to an online account operation server. It is preferable to process the first payment amount by processing an account transfer transaction based on the virtual account attribute of the online account in association.

In the technical field to which the present invention belongs, the online account management server registers the online account shown in FIG. The technical feature of processing through an online account of the interest rate-linked rechargeable prepaid card attribute registered through the system, or the online transfer shown in FIG. You will be familiar with the technical features of processing the first payment amount calculated by the amount calculator 2050 through the online account of the virtual account attribute registered through the account registration system, a detailed description thereof will be omitted for convenience. Let's do it.

In addition, the second wireless terminal 2000 is connected to the online account management server through the communication network through the face value of the electronic voucher that includes the voucher using the matched voucher of the electronic voucher corresponding to the gift voucher account through the second value; The payment amount is processed for payment (2260).

Those skilled in the art to which the present invention pertains register the payment of the gift certificate requested from the gift certificate payment unit 2075 in the online account operation server through the online account registration system shown in FIG. 2 or FIG. Since you will be familiar with the technical features of the payment processing of the second payment amount through the electronic voucher deposited in the gift certificate account associated with the online account, the detailed description thereof will be omitted for convenience.

FIG. 23 is a diagram illustrating a process of processing an online account-based account transfer payment and a gift certificate complex payment under a non-blind condition according to another embodiment of the present invention.

In more detail, FIG. 23 illustrates the case where the customer wireless terminal 2000 illustrated in FIG. 20 is equipped with an online account module provided through the online account registration system illustrated in FIG. 2 or 11. In the process of making a payment request through the online account module provided in the), a part of the requested payment amount is processed through the online account-based account transfer transaction under the condition of non-real name, and the other part is processed to pay through the gift certificate. As an example, the present invention illustrates a method of confirming a preferred payment target payment method and processing the payment amount through the identified preferred payment target payment method.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 23 to infer various implementation methods for the process of processing the online account-based account transfer payment and the gift certificate complex payment under the non-real name condition. Although the present invention can be made, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 23, the customer wireless terminal 2000 inputs payment information including payment amount and payment target information (for example, on / offline store or payment affiliate store) or receives the information through a communication network. 2 or 2300, it is checked whether payment through the online account module provided through the online account registration system shown in FIG. 11 is requested.

If the payment request is confirmed (2305), the customer wireless terminal 2000 reads the payment information to confirm payment target information (eg, an online / offline store or a payment affiliate store) for the requested payment ( In operation 2315, the payment request information may be compared with the gift voucher used in the gift certificate account information and the payment target information, and the payment request may be processed through one or more electronic gift certificates corresponding to the gift certificate account, in operation 2315.

If the payment target information does not match with the gift voucher used for any electronic gift voucher deposited in the gift voucher account (2320), the customer wireless terminal 2000 is connected to the online account management server through a communication network to the online account; The payment request amount is processed through the account transfer under the condition of non-real name (2325).

According to an embodiment of the present invention, when the online account is an online account of an interest rate linked prepaid card attribute registered through the online account registration system shown in FIG. 2, the customer wireless terminal 2000 operates an online account. It is preferable to process a payment corresponding to the payment request by processing an account transfer transaction based on the interest rate linked prepaid card attribute of the online account in connection with the server.

According to another embodiment of the present invention, when the online account is an online account of a virtual account attribute registered through the online account registration system shown in FIG. 11, the customer wireless terminal 2000 is connected to an online account operation server. It is preferable to process a payment corresponding to the payment request by processing an account transfer transaction based on the virtual account attribute of the online account.

Those skilled in the art to which the present invention belongs, the online account registration system shown in Figure 2 in connection with the financial system to the account transfer transaction requested from the customer wireless terminal 2000 in the online account management server Through the online account of the interest rate linked prepaid card attribute registered through the through, or the online account registration shown in FIG. Since you will be familiar with the technical features of processing through the online account of the virtual account properties registered through the system, a detailed description thereof will be omitted for convenience.

On the other hand, if the payment target information is matched with the gift voucher used for one or more electronic vouchers deposited in the gift certificate account (2320), the customer wireless terminal (2000) is incentive information for each payment means included in the payment information requested for payment; Read and confirm the preferred payment target payment means to which more payment incentives are applied to the customer among the non-named account transfer payment means through the online account and the gift certificate payment means through the electronic gift certificate (2330). It is checked whether a payment method is selected as the payment method of the gift certificate (2335).

If the preferred payment target payment means is selected as the wire transfer payment means (2340), the customer wireless terminal 2000 calculates a first payment amount including the maximum amount of the wire transfer payment means and then calculates the remaining amount. The second payment amount is calculated (2345).

If the preferred payment target payment means is selected as the gift certificate payment means (2340), the customer wireless terminal 2000 confirms the validity of the gift certificate payment for the gift certificate payment means (2350).

Here, the validity check of the gift certificate payment includes checking whether the face value of the electronic gift certificate confirmed or selected as the preferred payment target means compares the payment amount and confirms that the face value of the electronic gift certificate is greater than or equal to the payment amount. It is preferable to make it.

If the validity of the gift voucher payment is confirmed (eg, if the face value of the electronic voucher is less than the requested amount of payment) (2355), the customer wireless terminal 2000 performs a financial transaction under the non-real name terms through the online account. Charging the preferred payment target electronic gift certificate or purchasing the preferred payment target electronic gift certificate (2360), calculating a second payment amount including the maximum amount of the gift certificate payment means, and paying the remaining amount to the first payment. It is calculated by the amount (2365), and in this case, it is possible to calculate the second payment amount (= gift certificate payment amount) to the same amount as the payment amount (payment requested amount), whereby the present invention is not limited.

On the other hand, if the validity of the gift certificate payment is not confirmed (for example, if the face value of the electronic gift certificate is greater than or equal to the requested amount of payment) (2355), a second payment amount including the maximum amount of the gift certificate payment means is calculated. Then, the remaining amount is calculated as the first settlement amount (2365).

Thereafter, the customer wireless terminal 2000 processes the first payment amount through an account transfer under a non-real name condition for the online account in connection with an online account operation server through a communication network (2370).

According to an embodiment of the present invention, when the online account is an online account of an interest rate-linked rechargeable prepaid card attribute registered through the online account registration system shown in FIG. 2, the account transfer payment unit 2070 is an online account. Preferably, the first payment amount is processed by processing an account transfer transaction based on an interest rate linked prepaid card attribute of the online account in association with an operation server.

According to another embodiment of the present invention, when the online account is an online account of a virtual account attribute registered through the online account registration system shown in FIG. 11, the account transfer payment unit 2070 may be connected to an online account operation server. It is preferable to process the first payment amount by processing an account transfer transaction based on the virtual account attribute of the online account in association.

In the technical field to which the present invention belongs, the online account management server registers the online account shown in FIG. The technical feature of processing through an online account of the interest rate-linked rechargeable prepaid card attribute registered through the system, or the online transfer shown in FIG. You will be familiar with the technical features of processing the first payment amount calculated by the amount calculator 2050 through the online account of the virtual account attribute registered through the account registration system, a detailed description thereof will be omitted for convenience. Let's do it.

In addition, the second wireless terminal 2000 is connected to the online account management server through the communication network through the face value of the electronic voucher that includes the voucher using the matched voucher of the electronic voucher corresponding to the gift voucher account through the second value; The payment amount is processed for payment (2375).

Those skilled in the art to which the present invention pertains register the payment of the gift certificate requested from the gift certificate payment unit 2075 in the online account operation server through the online account registration system shown in FIG. 2 or FIG. Since you will be familiar with the technical features of the payment processing of the second payment amount through the electronic voucher deposited in the gift certificate account associated with the online account, the detailed description thereof will be omitted for convenience.

According to the present invention, a user can conveniently open an online account of an interest rate linked prepaid card attribute (or virtual account attribute) without checking his / her real name online, and have a non-face-to-face financial transaction function through the online account in a customer wireless terminal. Of course, after providing the gift certificate payment means associated with the online account in the customer wireless terminal, when making a payment through the customer wireless terminal, conveniently transfers a portion of the payment amount through the non-real name terms through the online account Through the processing, and the rest of the process through the gift certificate payment has the advantage.

1 is a diagram illustrating the configuration of an online account-based account transfer payment and a gift certificate complex payment system through a customer wireless terminal according to an embodiment of the present invention.

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

3 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

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

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

6 is a diagram illustrating a process of applying for an online account of an interest rate-linked rechargeable prepaid card attribute according to an embodiment of the present invention.

7 is a diagram illustrating a process of applying for an online account of an interest rate linked rechargeable prepaid card attribute according to another embodiment of the present invention.

8 is a diagram illustrating a process of opening an online account of an interest rate linked prepaid card attribute according to an embodiment of the present invention.

9 is a diagram illustrating a real name verification process of an online account according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a real name verification process of an online account according to another exemplary embodiment of the present invention.

11 is a diagram illustrating an online account registration system according to another exemplary embodiment of the present invention.

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

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

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

15 is a diagram illustrating a process of applying for an online account of a virtual account attribute according to an exemplary embodiment of the present invention.

16 is a diagram illustrating a process of applying for an online account of a virtual account attribute according to another exemplary embodiment of the present invention.

17 is a diagram illustrating a process of opening an online account of a virtual account attribute according to an embodiment of the present invention.

18 is a diagram illustrating a real name verification process of an online account according to an exemplary embodiment of the present invention.

19 is a diagram illustrating a real name verification process of an online account according to another exemplary embodiment of the present invention.

20 is a diagram showing the configuration of a customer wireless terminal 2000 function for on-line account-based account transfer payment and gift voucher complex payment in a non-name condition according to an embodiment of the present invention.

21 is a diagram illustrating a process of processing an online account-based account transfer payment and a gift certificate complex payment under a non-real name condition according to an exemplary embodiment of the present invention.

FIG. 22 is a diagram illustrating a process of processing an online account-based account transfer payment and a gift certificate complex payment under a non-blind condition according to another exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating a process of processing an online account-based account transfer payment and a gift certificate complex payment under a non-real name condition according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: online account opening server 105: online account management server

110: online account management server

Claims (4)

Customer's mobile phone equipped with non-face-to-face financial transactions through non-face-to-face, non-face-to-face online accounts with rechargeable prepaid card attributes, and payment through a gift certificate account associated with the online account through a telecommunication network. To An information confirmation unit confirming whether or not the requested payment is processed through at least one electronic gift certificate corresponding to the gift certificate account when a payment request is made through the customer mobile phone; An amount calculator configured to calculate a first payment amount through an account transfer under a non-real name condition through the online account and a second payment amount through the electronic gift certificate, when the payment processing is confirmed through the electronic gift certificate; An account transfer payment unit configured to process the first payment amount through an account transfer under an unnamed condition for the online account; A gift certificate payment settlement linked to wireless banking, characterized in that it comprises a; a gift certificate payment unit for processing the payment through the electronic gift certificate corresponding to the gift certificate account. The method of claim 1, And a payment means confirming unit for confirming a preferred payment method to which the incentive is applied to the customer among the payment method of the account transfer under the non-real name condition through the online account and the gift certificate payment method through the electronic gift certificate. , The amount calculation unit, Mobile phone for a gift certificate combined payment linked to wireless banking, characterized in that for calculating the amount of payment through the preferred payment target payment means of the maximum amount that can be paid through the identified preferred payment target payment means of the payment request amount. Customer's mobile phone equipped with non-face-to-face financial transactions through non-face-to-face, non-face-to-face online accounts with rechargeable prepaid card attributes, and payment through a gift certificate account associated with the online account through a telecommunication network. In the payment method through When the payment request is made through the customer mobile phone, confirming whether the requested payment is processed through at least one electronic gift certificate corresponding to the gift certificate account; Calculating a payment amount through a non-real name condition transfer through the online account and a second payment amount through the electronic voucher, when the payment processing is confirmed through the electronic gift certificate; And processing the first payment amount through an account transfer under an unnamed condition for the online account, and processing the second payment amount through an electronic gift certificate corresponding to the gift certificate account. Multiple gift voucher payment method associated with wireless banking. A computer-readable recording medium recording a program for executing the method of claim 3.