KR20100005635A - System and method for processing affiliated store's payment approval cancel and program recording medium - Google Patents

System and method for processing affiliated store's payment approval cancel and program recording medium Download PDF

Info

Publication number
KR20100005635A
KR20100005635A KR1020080065744A KR20080065744A KR20100005635A KR 20100005635 A KR20100005635 A KR 20100005635A KR 1020080065744 A KR1020080065744 A KR 1020080065744A KR 20080065744 A KR20080065744 A KR 20080065744A KR 20100005635 A KR20100005635 A KR 20100005635A
Authority
KR
South Korea
Prior art keywords
information
financial account
financial
electronic document
account opening
Prior art date
Application number
KR1020080065744A
Other languages
Korean (ko)
Inventor
김순동
Original Assignee
김순동
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 김순동 filed Critical 김순동
Priority to KR1020080065744A priority Critical patent/KR20100005635A/en
Publication of KR20100005635A publication Critical patent/KR20100005635A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A system and a method for performing affiliated store payment approval cancel and a program recording medium thereof are provided to enable an affiliated store to quickly collect payment money, thereby diversifying cash flow. CONSTITUTION: Affiliated store information for payment is associated with payment cancel limit information. The associated information is saved in a storage medium. A payment approval cancellation request message received from an affiliated store terminal(2315) is read. Payment cancel limit information saved in the storage medium is extracted.

Description

System and Method for Processing Affiliated Store's Payment Approval Cancel and Program Recording Medium}

1 is a diagram illustrating a system for establishing a face-to-face financial account for depositing payments for merchants immediately according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

3A and 3B are diagrams illustrating a process of opening a financial account for immediate payment of a merchant in a face-to-face manner according to one embodiment of the present invention.

4A and 4B are diagrams illustrating a process of opening a financial account for immediate payment of a merchant in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B are diagrams illustrating a process of opening a financial account for immediate payment of a merchant in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a non-face-to-face financial account opening system for depositing payments immediately by merchants according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

8A and 8B illustrate a process of opening a financial account for immediate payment of a merchant in a non-face-to-face manner according to an exemplary embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of opening a financial account for immediate payment of a merchant according to an exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a face-to-face information registration system for setting an immediate limit on payment of a merchant according to an exemplary embodiment of the present invention.

11 is a view showing the configuration of the cancellation limit setting information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner in order to set the merchant immediately cancel payment limit according to an embodiment of the present invention.

12 is a view showing the configuration of the cancellation limit setting information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner in order to set the merchant immediately cancel payment limit according to another embodiment of the present invention to be.

FIG. 13 is a view illustrating a configuration of setting cancellation limit information stored in a DBMS provided in a banking server in a face-to-face manner in order to set an immediate payment price cancellation limit of an affiliated store according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a process of registering cancellation limit setting information in a face-to-face manner according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating a non-face-to-face information registration system for setting a limit for immediate payment of a merchant according to another embodiment of the present invention.

16 is a view showing the configuration of the cancellation limit setting information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to set the merchant to immediately settle the payment cancellation limit according to an embodiment of the present invention.

FIG. 17 is a diagram illustrating a configuration of setting cancellation limit information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner in order to set an immediate limit on payment of a merchant according to another embodiment of the present invention. Drawing.

FIG. 18 is a diagram illustrating configuration of cancellation limit setting information stored in a DBMS provided in a banking server in a non-face-to-face manner in order to set a payment limit cancellation limit for a merchant immediately according to another exemplary embodiment of the present invention.

FIG. 19 is a diagram illustrating a process of registering cancellation limit setting information in a non-face-to-face manner in order to set a payment limit cancellation limit immediately for an affiliated store according to one embodiment of the present invention.

20A and 20B are views illustrating a process of registering cancellation limit setting information in a non-face-to-face manner in order to set a payment limit cancellation limit for a merchant immediately according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a non-face-to-face information registration system for canceling payment approval according to an embodiment of the present invention.

22 is a diagram illustrating a process of registering payment approval cancellation request information from a merchant to a payment approval institution for canceling payment approval according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating a configuration of an immediate payment system for an affiliate store in which a payment approval cancellation limit is set according to an exemplary embodiment of the present invention.

FIG. 24 is a view illustrating a configuration of a bansa server and a card company server in an affiliated store payment system in which payment approval cancellation limits are set according to an exemplary embodiment of the present invention.

FIG. 25 is a view illustrating a process for promptly paying and canceling an affiliate store where a payment approval cancellation limit is set according to an exemplary embodiment of the present invention.

FIG. 26 is a view illustrating a configuration of a bansa server and a card company server in an affiliated store instant payment system in which a payment authorization cancellation limit according to another embodiment of the present invention is set.

FIG. 27 is a view illustrating a process for promptly paying and canceling an affiliate store in which a payment cancellation limit is set according to another embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

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

140: account opening unit 145: electronic document server

150: electronic document receiving unit 155: information generating unit

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

2100: Bansa server 2105: Card company server

2110: Bank Server

The present invention includes the step of storing the information on the payment target merchant and payment cancellation limit information in association with the immediate payment, including the terminal information, payment account information, and stored in the storage medium, by reading the full payment approval cancellation request received from the merchant terminal, Checking payment authorization request amount information and affiliated store (or affiliated store terminal) information; extracting (or confirming) payment cancellation limit information of the affiliated store stored in the storage medium; and extracting (or confirmed) the affiliated store Determining whether the payment authorization cancellation request amount matches the payment cancellation limit; and if the payment authorization cancellation request amount does not match the merchant payment cancellation limit, disapproving the payment cancellation request. The present invention relates to a method for processing authorization cancellation.

As the card infrastructure evolves, most merchants handle cards (especially credit cards, etc.). These merchants are not able to receive payments on the day (or immediately) even after paying a card company fee that reaches a certain percentage of the sales amount. Could be caused.

In order to overcome the inconveniences of merchants, the payment of payments to merchants was sought immediately, but the damage caused by the cancellation of sales of merchants soared.

An object of the present invention for solving the above problems is, the information storage means for processing the merchant information and payment cancellation limit information associated with the payment immediately including the terminal information, payment account information, payment storage means for storing in the storage medium, and the merchant terminal ( Or information receiving means for receiving the payment approval cancellation request text from the Bansa server) and the received payment approval cancellation request text, and confirming the information on the payment approval cancellation request amount information and the merchant (or merchant terminal) information. And information extracting means for extracting payment cancellation limit information of the affiliated store stored in the storage medium, and information determining means for determining whether the payment authorization cancellation request amount is matched with the extracted (or confirmed) merchant cancellation cancellation limit. If the payment cancellation request amount does not meet the cancellation limit, approve the payment cancellation request. It is to provide a merchant payment approval cancellation processing system including an information processing means that does not.

Merchant payment settlement cancellation processing method according to the present invention, the terminal information, payment processing information including the payment account information immediately and the payment processing affiliated merchant information and payment cancellation limit information to store in a storage medium, and received from the merchant terminal Reading the payment approval cancellation request text and confirming payment cancellation request amount information and merchant (or merchant terminal) information; extracting (or confirming) payment cancellation limit information of the merchant stored in the storage medium; Determining whether the payment authorization cancellation request amount is matched with the extracted merchant payment cancellation limit, and if the payment authorization cancellation request amount is not matched with the merchant payment cancellation limit, the payment authorization cancellation request is made. Characterized in that it comprises a step that does not approve.

According to the present invention, the merchant payment approval cancellation processing method, the step of opening a merchant-only account for which the payment cancellation limit amount is set, the merchant-specific account information and the merchant (or merchant terminal) information linked to the process of storing the storage medium Storing in; characterized in that comprises a.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording a program for executing the above-described merchant payment authorization cancellation processing method.

On the other hand, the merchant payment approval cancellation processing system according to the present invention, the information storage means for storing the information stored in the storage medium by linking and processing the merchant information and payment cancellation limit information immediately the target information including the terminal information, payment account information, merchant Read the information receiving means for receiving the full payment approval cancellation request from the terminal (or bansa server), and read the received payment approval cancellation request, and confirms the payment approval cancellation request amount information and merchant (or merchant terminal) information Information checking means, information extraction means for determining the payment cancellation limit information of the affiliated store stored in the storage medium, information determining means for determining whether the payment authorization cancellation request amount is matched with the extracted (or confirmed) payment cancellation limit of the affiliated store; If the payment authorization cancellation amount does not match the merchant payment cancellation limit, the payment authorization cancellation And information processing means for not approving the request.

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 a system for establishing a face-to-face financial account for depositing payments for merchants immediately according to an exemplary embodiment of the present invention.

In more detail, in FIG. 1, when a predetermined customer fills out an application for opening a financial account including at least one of predetermined customer information, merchant information, and financial account property setting information, and submits it to a window provided at a predetermined financial institution, A system for a financial institution to open a financial account for depositing a payment immediately by a merchant in a face-to-face manner based on the application for opening a financial account, and specifically, the customer prepares the financial account opening application form and submits it to the counter. The customer information, affiliated store information, and financial account attribute setting information corresponding to the financial account opening application is linked to a predetermined window terminal provided at the window and a financial company server 100 provided on the financial account opening system. The affiliate based on the financial account opening application information that includes at least one It will be carried out immediately on how to open an account for a financial settlement money deposit.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 1 to infer various implementation methods for the configuration of the financial account opening system for the instant payment of the merchant. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, FIG. 1 includes generating an electronic document for applying for opening a financial account and storing the electronic document in an electronic document repository in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 1, it is possible to omit storing the electronic account opening application document in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in the drawing 1 only.

Hereinafter, a financial account opening application prepared by the customer and at least one corresponding customer information, merchant information, and financial account attribute setting information corresponding to the financial account opening system shown in FIG. 1 through a predetermined financial account opening interface is included. A component corresponding to at least one or more means or functional configurations of opening the financial account for the instant payment payment of the merchant based on the financial account establishment application information is referred to as "financial company server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for establishing a financial account for depositing payments of merchants immediately includes a terminal device including a window terminal provided at at least one branch (or branch) of a financial institution. The terminal device is connected to the financial company server 100 provided on the financial account opening system through a predetermined financial network is connected to the communication channel.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch), and the application for opening the predetermined financial account through a window (or a cashier) provided at the financial institution branch branch (branch branch). (E.g., a document having a form for filling in the at least one information item), wherein the customer is to seal the customer's seal for legal basis on the application for opening the financial account. Do.

Subsequently, when the customer submits the completed financial account opening application to the teller, the teller scans the financial account opening application through a predetermined image obtaining device to obtain predetermined image content, and then opens a predetermined teller terminal. Input (or select) financial account opening application information including at least one of image content acquired in response to the financial account opening application, at least one of customer information, merchant information, and financial account attribute setting information entered in the financial account opening application; In response, the window terminal preferably transmits the image content and the financial account opening application information to the financial company server 100 provided on the financial account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 100 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 100. It is preferable to make it.

In the financial account opening system as described above, the image acquisition device for acquiring the image content corresponding to the financial account opening application prepared by the customer, the window terminal used by the employee and the window terminal and the financial company server 100 The connecting financial network performs a function of a financial account opening interface for the customer to register the financial account opening application information.

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

According to an embodiment of the present invention, when the terminal device is a teller terminal connected to a predetermined financial network, the financial institution server 100 may be a ledger server provided on a finance system connected to the teller terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial company server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

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

Referring to FIG. 1, when a predetermined terminal device connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial institution server 100 includes a predetermined terminal device. Acquire image contents corresponding to the financial account opening application written by the customer through an image acquisition device of the customer, and input (or select) financial account opening application information corresponding to the financial account opening application to the financial company server 100; An interface providing unit 110 for generating (or extracting) at least one user interface for transmitting and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 105; Input the financial account opening application information corresponding to the financial account opening application through the user interface at the terminal device (or And an information receiving unit 115 for receiving the financial account opening request information transmitted from the terminal device in connection with the interface unit 105, and a predetermined image based on the user interface in the terminal device. When the image content corresponding to the financial account opening application prepared by the customer is obtained and transmitted through the obtaining device, the image receiving unit 120 receives the image content corresponding to the financial account opening application in connection with the interface unit 105. It characterized by comprising a.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then requests the user interface from the financial institution server 100. Acquire image contents corresponding to the financial account opening application prepared by the customer through a predetermined image acquisition device included in the terminal device, and input (or select) financial account opening application information corresponding to the financial account opening application. To generate at least one user interface for transmission to the financial institution server 100 through the financial network, or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 105 A) user interface is provided to the terminal device through the financial network.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device, and provides financial account opening application information corresponding to the financial account opening application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the financial institution server 100 through the financial network is provided, the predetermined image acquisition apparatus may be used as described above. Generate a user interface for acquiring image contents corresponding to the financial account opening application prepared by the customer, inputting (or selecting) financial account opening application information corresponding to the financial account opening application, and transmitting the information to the financial institution server 100. An interface provided to the terminal device (or extracted) Section 110 and the mubang be omitted, to which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) financial account opening application information including at least one of the customer information, the blind spot information, and the financial account property setting information through the user interface. The financial account opening request information is transmitted to the financial institution server 100 through the financial network. In response, the information receiving unit 115 opens the financial account transmitted from the terminal device in connection with the interface unit 105. Receive application information.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The financial account attribute setting information includes basic attribute information such as a financial account type (for example, free withdrawal or deposit) and the financial account to be opened through the application for opening the financial account for the payment of the merchant immediately. Extended attribute information, such as a transfer (or withdrawal) limit for cancellation of payment authorization, if the merchant account is a merchant account, and a financial instrument attribute associated with the financial account if the financial account is an account linked to an investmentable financial instrument; It is preferable to include at least one information.

In addition, the terminal device obtains the image content corresponding to the application for opening a financial account prepared by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network to the financial company server In response thereto, the image receiving unit 120 receives image contents corresponding to the financial account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device acquires image content corresponding to the application for opening a financial account created by the customer through a predetermined image acquisition device, and is provided (or associated) with the terminal device. When the terminal device is previously stored in the storage device, the terminal device selects the image content corresponding to the application for opening a financial account created by the customer from the at least one or more image contents previously stored in the storage device through the user interface and then through the financial network. The financial receiver 100 transmits the image content corresponding to the financial account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device transmits the image contents corresponding to the financial account opening application written by the customer and the financial account opening application information corresponding to the financial account opening application through the user interface. In this case, the information receiver 115 may receive the image content corresponding to the financial account opening application and the financial account opening application information in association with the interface unit 105 (for example, the image receiving unit 120 may be received. Integrated into the information receiving unit 115), whereby the present invention is not limited.

Referring to FIG. 1, when the financial institution opening request information transmitted from the terminal device is received through the information receiving unit 115, the financial institution server 100 receives the financial account opening application information from the merchant immediately. Characterized in that it comprises a validity authentication unit for checking whether the validity for the payment is satisfied.

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

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validation of the financial account opening application information includes checking whether the payment authorization cancellation limit information included in the financial account property setting information included in the financial account opening application information is set above a predetermined limit. It is preferable to make it.

Referring to FIG. 1, the financial company server 100 receives the image content transmitted from the terminal device through the image receiving unit 120, and applies to the financial account opening application information through the validity checking unit 125. If the validity is verified, the electronic document generation unit 130 for generating a predetermined financial account opening request electronic document including the received image content, and the generated financial account opening request electronic document with the financial account opening system; It is characterized in that it comprises an electronic document transmission unit 135 for transmitting to the associated electronic document storage.

The electronic document generation unit 130 may generate a financial account opening request electronic document including the image content received from the terminal device through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 converts the image file including the image content received from the terminal device through the image receiving unit 120 into the electronic account opening application electronic document. It is preferable to process.

Alternatively, the electronic document generator 130 may include customer information included in the financial account opening request information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to an image content including at least one of at least one of merchant information and financial account property setting information by a watermarking method.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 120. Format file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate.

Alternatively, the electronic document generator 130 may include customer information included in the financial account opening request information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. Generate image content including at least one or more information of merchant information and financial account property setting information by a watermarking method, and include a predetermined document file (eg, a PDF (Portable Document Format)) including the generated image content. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the electronic account opening request electronic document. It is preferable.

According to another embodiment of the present invention, the electronic document generation unit 130 is the financial account received through the image content and the information receiving unit 115 received from the terminal device through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an application for opening establishment, or an MHT. It is preferable to generate the financial account opening application electronic document by generating a web document file).

Alternatively, the electronic document generator 130 may include customer information included in the financial account opening request information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. A predetermined document file (for example, generating image content including at least one or more of merchant information and financial account property setting information by a watermarking method) and including the generated image content and the financial account opening application information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic application for the opening application.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical features to generate a financial account opening application electronic document of the image file format or a predetermined document file format, and the financial account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document for opening application, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document storage associated with the financial account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to a financial company server 100 on the financial account opening system with a predetermined electronic document server 145 and an electronic document D / B 165 linked through predetermined communication means. When provided to the outside, including the electronic document transmission unit 135 is the electronic document opening application electronic document generated by the electronic document generation unit 130 through the communication means the electronic document server 145 It characterized in that the transmission to.

Here, when the electronic document server 145 and the electronic document D / B 165 is provided outside the financial account opening system, the electronic document server 145 and the electronic document D / B 165 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 135 generates the electronic document generation unit 130. It is possible to store the electronic document opening application electronic document in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 135 is electronic document related information for generating predetermined electronic document management information in the electronic document server 145 (eg, the customer information, or the financial) Financial institution information for transmitting an account opening request electronic document, electronic document file format information, or the financial account opening request information, etc.) may be further transmitted to the electronic document storage, whereby the present invention is not limited thereto. No.

Referring to FIG. 1, when the financial institution opening application information received through the information receiving unit 115 is authenticated through the validity confirming unit 125, the financial institution server 100 may verify the validity of the financial institution. And an account opening unit 140 for opening a financial account in a customer's name including the financial account property setting information based on the customer information, merchant information and financial account property setting information included in the account opening application information. It features.

When the validity of the financial account opening application information is confirmed by the validity confirming unit 125, the account opening unit 140 includes the customer information included in the financial account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger which is already matched with the customer information), and generating the predetermined account ledger information including the financial account attribute included in the financial account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, in response to the application for opening the financial account, the merchant may open a financial account for immediate payment of the payment.

Referring to FIG. 1, an electronic document that receives a predetermined financial account opening request electronic document from the financial company server 100 provided on the financial account opening system and stores and manages the electronic document D / B 165 in a predetermined electronic document D / B 165. The server 145, the electronic document receiving unit 150 for receiving a predetermined financial account opening request electronic document from the financial institution server 100 through a predetermined communication means, and the received financial account opening request electronic document to the electronic document An information generation unit 155 for generating predetermined electronic document management information for storing and managing in the document D / B 165, and the electronic document management information and the financial account opening application electronic document are processed in a predetermined manner. And an electronic document storage unit 160 to store the document D / B 165.

The electronic document receiving unit 150 may receive an application for opening a financial account in the form of an image file or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means includes an image including the image content received by the financial institution server 100 from the terminal device. It is preferable to include the file as it is.

Alternatively, the financial account establishment request electronic document received by the electronic document receiver 150 through the communication means may be included in the financial account establishment application information in the image content received by the financial institution server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, merchant information and financial account attribute setting information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means includes the image content received by the financial company server 100 from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 150 through the communication means is included in the financial account opening application information in the image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one of information, merchant information, and financial account property setting information in a watermarking manner. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the financial document opening request electronic document that the electronic document receiving unit 150 receives through the communication means is the image content received from the financial institution server 100 from the terminal device and the A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the financial account opening application information, or the MHT is provided. Web document files, etc.) to be included.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 150 through the communication means is included in the financial account opening application information in the image content received by the financial institution server 100 from the terminal device. A predetermined document file (for example, a PDF (Portable Document Format)) including image content including at least one of information, merchant information, and financial account property setting information by a watermarking method and the financial account opening application information. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 150, and through the electronic document receiving unit 150 And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial account opening application electronic document was received (or a date and time at which the financial account opening application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 155 opens the financial account with reference to the financial company server 100 that has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 150. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 150 further receives a predetermined electronic document related information from the financial institution server 100, the information generating unit 155 is the received electronic Electronic document management information further including document-related information (eg, the financial institution information for transmitting the customer information, the financial account opening request electronic document, the electronic document file format information, or the financial account opening application information, etc.); It is desirable to produce.

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

According to the exemplary embodiment of the present invention, the financial account opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is received by the financial institution server 100 from the terminal device. It is preferable that the image file including the image content is included as it is.

Alternatively, the financial account opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the financial account in the image content received by the financial institution server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information, merchant information and financial account attribute setting information included in the application for opening information in a watermarking manner.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is received by the financial institution server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content, or an MHT. Web document files, etc.).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may open the financial account in the image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one of customer information included in the application information, at least one of merchant information, and financial account property setting information by a watermarking method. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial account opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the financial company server 100 from the terminal device. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the received image content and the financial account opening request information. Word processor files, or web document files containing MHT).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may open the financial account in the image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, image content including at least one or more of customer information, merchant information, and financial account attribute setting information included in the application information by watermarking) and the financial account opening application information (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the financial account opening request electronic document is stored in the financial account opening. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the financial account opening request electronic document is stored in the financial account. Preferably, the financial institution further includes information on a financial institution that transmits the financial account opening application electronic document, which has been identified with reference to the financial institution server 100 that transmitted the opening application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the financial company server 100, the electronic document storage unit 160 processes the connection with the financial account opening application electronic document. The electronic document management information stored in the electronic document D / B 165 may include the received electronic document related information (for example, the financial institution information for transmitting the customer information or the electronic account opening request electronic document, or the electronic document file). Format information, or application information for opening a financial account).

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 2 includes an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 2 to infer various implementation methods for the ledger configuration corresponding to the financial account. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

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

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

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

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. ), Periodical reception information including at least one or more of a period (days), period extension, expiration date, and target amount, or an account number corresponding to the account ledger, a deposit amount, par value, pension date, and Trust receipt information containing at least one number of shares, or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.) It includes transaction history information including at least one of a transaction, a date of settlement, a bank account line, a 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.

3A and 3B illustrate a process of opening a financial account for immediate payment of a merchant in a face-to-face manner according to an exemplary embodiment of the present invention.

3a and 3b show a terminal device in which a terminal device on the financial account opening system shown in FIG. In the case of having a ledger server (not shown) function on the financial system associated with the counter terminal, the application for opening a financial account in which a predetermined customer includes at least one of predetermined customer information, merchant information and financial account attribute setting information. The present invention relates to a system for opening a financial account for depositing a payment immediately by a merchant in a face-to-face manner based on the application for opening a financial account, when the financial institution is prepared and submitted to a window provided at a predetermined financial institution. If the customer fills out the application for opening the financial account and submits it to the counter, the counter terminal prescribes it. After obtaining predetermined image content corresponding to the financial account opening application through the image acquisition device and transmitting the predetermined image content to the financial company server 100, input (or select) the financial account opening application information corresponding to the financial account opening application. To the financial institution server 100, and correspondingly, the merchant immediately based on the financial account opening application information including at least one of the customer information, merchant information, and financial account property setting information. The present invention relates to a method of opening a predetermined financial account for depositing payment.

Those skilled in the art to which the present invention pertains, various implementation methods for providing the financial account opening application information from the window terminal to the financial company server 100 by referring to or modifying the drawings 3a and 3b. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information, merchant information and financial account property setting information transmitted to the financial company server 100 are referred to as "bank account opening application information" for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer fills out and submits an application for opening a financial account including at least one of customer information, merchant information, and financial account attribute setting information, the teller terminal shown in FIG. When a user interface corresponding to the application for opening a financial account is requested (300) when the predetermined communication channel is connected to the server through a financial network of the server (300), the server correspondingly acquires a predetermined image obtaining device from the terminal. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the financial account opening application written by the customer to the server through 305 and generating (or extracting) through the financial network. The transmitted user interface is output to the terminal (310).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (315).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (320), the terminal transmits the obtained image content to the server through the financial network (325).

Thereafter, the server inputs (or selects) financial account opening application information including at least one of customer information corresponding to the financial account opening application matched with the image content, merchant information, and financial account attribute setting information to the server. A user interface for transmission is generated (or extracted) (330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and output (335).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, merchant information, and financial account property setting information through the user interface (340).

If the financial account opening application information including at least one of the customer information, the merchant information and the financial account property setting information is input (or selected) through the user interface (345), the terminal connects the server through the financial network. In step 350, the input (or selection) of the financial account opening application information is transmitted.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The financial account attribute setting information includes basic attribute information such as a financial account type (for example, free withdrawal or savings, etc.) to be opened through the financial account opening application information for depositing payment of the merchant immediately and the financial account. Extended attribute information such as a transfer amount (or withdrawal) limit, and at least one financial product attribute information associated with the financial account is preferably included when the financial account is an account linked to an investmentable financial product. .

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information, the merchant information, and the financial account property setting information through the financial network to confirm the validity of the financial account opening application information. (355).

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

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validation of the financial account opening application information includes checking whether the payment authorization cancellation limit information included in the financial account property setting information included in the financial account opening application information is set above a predetermined limit. It is preferable to make it.

If the validity of the financial account opening application information is not authenticated (360), the server generates predetermined financial account opening error information and transmits it to the terminal (365), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is verified (360), the server generates a predetermined financial account opening application electronic document including the image content (370).

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as the financial account opening application electronic document.

Alternatively, the server may watermark at least one or more of customer information, merchant information, and financial account property setting information included in the received financial account opening application information in the image content received from the terminal device. It is preferable to generate the financial account opening application electronic document with an image file corresponding to the image content included.

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

Alternatively, the server may watermark at least one or more of customer information, merchant information, and financial account property setting information included in the received financial account opening application information in the image content received from the terminal device. Generating at least one image content including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the generated image content By generating a word processor file, or a web document file including the MHT), it is preferable to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received application for opening a financial account, Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to generate the financial account opening application electronic document. Do.

Alternatively, the server may include at least one of customer information, blind spot information, and financial account attribute setting information included in the financial account opening request information received through the information receiving unit 115 in the image content received from the terminal device. Generating an image content including a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content and the application for opening a financial account). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and correspond to the financial account opening application electronic document Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic document opening request electronic document is stored in the electronic document storage (380), the server generates predetermined account ledger information corresponding to the financial account opening application information for the payment of the merchant immediately payment (385) In operation 390, a financial account of the customer name including the account ledger information is opened in connection with the financial system, and then a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (395). ).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the payment of the merchant immediately.

4A and 4B illustrate a process of opening a financial account for immediate payment of a merchant in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show a terminal device in which a terminal device on a financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the counter terminal, the application for opening a financial account in which a predetermined customer includes at least one of predetermined customer information, merchant information and financial account attribute setting information. The present invention relates to a system for opening a financial account for depositing a payment immediately by a merchant in a face-to-face manner based on the application for opening a financial account, when the financial institution is prepared and submitted to a window provided at a predetermined financial institution. When the customer fills out the application for opening the financial account and submits it to the counter, the counter terminal After inputting (or selecting) financial account opening application information corresponding to a loan account opening application, and transmitting the information to the financial institution server 100, a predetermined image content corresponding to the financial account opening application is obtained through a predetermined image acquisition device. Acquire and transmit to the financial company server 100 based on the financial account establishment application information that includes at least one of the customer information, merchant information and financial account attribute setting information in the financial company server (100) correspondingly. The present invention relates to a method of opening a predetermined financial account for immediate payment.

Those skilled in the art to which the present invention pertains, various methods of providing the financial account opening application information from the window terminal to the financial company server 100 by referring to or modifying the drawings 4a and 4b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 4A and 4B.

For example, although the implementation method illustrated in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

In the following Figures 4a and 4b, the teller terminal shown in Fig. 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Fig. 1 is referred to as "server" for convenience, and said teller terminal said The customer information, merchant information and financial account attribute setting information transmitted to the financial company server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer fills out and submits an application for opening a financial account including at least one of customer information, merchant information, and financial account property setting information, the window terminal shown in FIG. When a user interface corresponding to the financial account opening application is requested in a state in which a predetermined communication channel is connected to the server through a predetermined financial network, the server requests a user interface corresponding to the financial account opening application. Generate (or extract) a user interface for inputting (or selecting) financial account opening application information including at least one of customer information, merchant information, and financial account property setting information corresponding to the data to be sent to the server (405). And transmits the generated (or extracted) user interface to the terminal through the financial network (4). 10).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, merchant information, and financial account property setting information through the user interface (415).

If the financial account establishment application information including at least one of the customer information, the merchant information and the financial account property setting information is input (or selected) through the user interface (420), the terminal transmits the server through the financial network. In step 425, the input (or selection) of the financial account opening application information is transmitted.

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

The financial account attribute setting information includes basic attribute information such as a financial account type (for example, free withdrawal or savings, etc.) to be opened through the financial account opening application information for depositing payment of the merchant immediately and the financial account. Extended attribute information such as a transfer amount (or withdrawal) limit, and at least one financial product attribute information associated with the financial account is preferably included when the financial account is an account linked to an investmentable financial product. .

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information, the merchant information, and the financial account property setting information through the financial network to confirm the validity of the financial account opening application information. (430).

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

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validation of the financial account opening application information includes checking whether the payment authorization cancellation limit information included in the financial account property setting information included in the financial account opening application information is set above a predetermined limit. It is preferable to make.

If the validity of the financial account opening application information is not authenticated (435), the server generates predetermined financial account opening error information and transmits it to the terminal (440), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is authenticated (435), the server acquires predetermined image contents corresponding to the financial account opening application written by the customer through the predetermined image obtaining apparatus in the terminal and the server is obtained. A user interface for transmitting to the terminal is generated (or extracted) (445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (455).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the financial network (465).

The server receiving the financial account opening request information and the image content from the terminal generates a predetermined financial account opening request electronic document including the image content (470).

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as the financial account opening application electronic document.

Alternatively, the server may watermark at least one or more of customer information, merchant information, and financial account property setting information included in the received financial account opening application information in the image content received from the terminal device. It is preferable to generate the financial account opening application electronic document an image file corresponding to the image content including.

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

Alternatively, the server may watermark at least one or more of customer information, merchant information, and financial account property setting information included in the received financial account opening application information in the image content received from the terminal device. Generating at least one image content including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the generated image content By generating a word processor file, or a web document file including the MHT), it is preferable to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received application for opening a financial account, Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to generate the financial account opening application electronic document. Do.

Alternatively, the server may watermark at least one or more of customer information, merchant information, and financial account property setting information included in the received financial account opening application information in the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) is generated that includes an image content including an image content and includes the generated image content and the financial account opening application information. It is preferable to generate the financial account opening application electronic document by generating a word processor file including at least one or more DOC, or a web document file including the MHT.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and correspond to the financial account opening application electronic document Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic document opening application electronic document is stored in the electronic document storage (480), the server generates predetermined account ledger information corresponding to the financial account opening application information for the payment of the merchant immediately payment (485) In operation 490, a financial account of the customer name including the account ledger information is opened in connection with the financial system, and then a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (495). ).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the payment of the merchant immediately.

5A and 5B illustrate a process of opening a financial account for immediate payment of a merchant in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B show a terminal terminal in which a terminal device on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the counter terminal, the application for opening a financial account in which a predetermined customer includes at least one of predetermined customer information, merchant information and financial account attribute setting information. The present invention relates to a system for opening a financial account for depositing a payment immediately by a merchant in a face-to-face manner based on the application for opening a financial account, when the financial institution is prepared and submitted to a window provided at a predetermined financial institution. If the customer fills out the application for opening the financial account and submits it to the counter, the counter terminal prescribes it. Acquires predetermined image contents corresponding to the financial account opening application through an image acquisition device, inputs (or selects) financial account opening application information corresponding to the financial account opening application, and transmits the image to the financial company server 100. If the financial information and financial account opening application information are transmitted, the affiliate store based on the financial account opening application information includes at least one of the customer information, merchant information, and financial account property setting information in the financial company server 100 in response thereto. The present invention relates to a method of opening a predetermined financial account for immediate payment.

Those skilled in the art to which the present invention pertains, various methods of providing the financial account opening application information from the window terminal to the financial company server 100 by referring to or modifying the drawings 5a and 5b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, although the embodiment shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing it in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information, merchant information and financial account property setting information transmitted to the financial company server 100 are referred to as "bank account opening application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer fills out and submits an application for opening a financial account including at least one of customer information, merchant information, and financial account property setting information, the teller terminal shown in FIG. When a user interface corresponding to the application for opening a financial account is requested (500) while the predetermined communication channel is connected to the server through a financial network of the server, in response to the server, the server prepares the financial information created by the customer in the terminal. A user interface for inputting (or selecting) financial account opening application information corresponding to an account opening application, and obtaining predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device and transmitting the same to the server; Generated (or extracted) (505), and the user interface generated (or extracted) through the financial network And outputs to the transmission bus to the terminal 510.

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, merchant information, and financial account property setting information through the user interface (515).

If the financial account opening application information including at least one of the customer information, the merchant information, and the financial account property setting information is input (or selected) through the user interface (520), the terminal is determined based on the user interface. An image content corresponding to the financial account opening application is obtained through the image obtaining apparatus of the electronic apparatus (525).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (530), the terminal transmits the financial account opening application information and the image content to the server through the financial network (535). .

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one or more terminal unique code or unique number or serial number, etc. provided in the merchant.

The financial account attribute setting information includes basic attribute information such as a financial account type (for example, free withdrawal or savings, etc.) to be opened through the financial account opening application information for depositing payment of the merchant immediately and the financial account. Extended attribute information such as a transfer amount (or withdrawal) limit, and at least one financial product attribute information associated with the financial account is preferably included when the financial account is an account linked to an investmentable financial product. .

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information, the merchant information, and the financial account property setting information through the financial network to confirm the validity of the financial account opening application information. (540).

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

For example, the validity of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the opening of the financial account and the validity of the application for opening the financial account may include checking whether the payment approval cancellation limit information included in the financial account property setting information is set above a predetermined limit. desirable.

If the validity of the financial account opening application information is not authenticated (545), the server generates predetermined financial account opening error information and transmits it to the terminal (550), and the new corresponding to the financial account opening application information. Do not perform financial account opening procedures.

On the other hand, if the validity of the financial account opening application information is authenticated (545), the server generates a predetermined financial account opening application electronic document including the image content (555).

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as the financial account opening application electronic document.

Alternatively, the server may watermark at least one or more of customer information, merchant information, and financial account property setting information included in the received financial account opening application information in the image content received from the terminal device. It is preferable to generate the financial account opening application electronic document with an image file corresponding to the image content included.

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

Alternatively, the server may watermark at least one or more of customer information, merchant information, and financial account property setting information included in the received financial account opening application information in the image content received from the terminal device. Generating at least one image content including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the generated image content By generating a word processor file, or a web document file including the MHT), it is preferable to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received application for opening a financial account, Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to generate the financial account opening application electronic document. Do.

Alternatively, the server may watermark at least one or more of customer information, merchant information, and financial account property setting information included in the received financial account opening application information in the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) is generated that includes an image content including an image content and includes the generated image content and the financial account opening application information. It is preferable to generate the financial account opening application electronic document by generating a word processor file including at least one or more DOC, or a web document file including the MHT.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and the financial account opening application electronic document. Since the technical features of the file format for the corresponding image file or document file will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (560).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic document opening application electronic document is stored in the electronic document storage (565), the server generates predetermined account ledger information corresponding to the financial account opening application information for the payment of the merchant immediately payment (570) In operation 575, a financial account of the customer name including the account ledger information is opened in connection with the financial system, and then a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (580). ).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the payment of the merchant immediately.

6 is a diagram illustrating a non-face-to-face financial account opening system for depositing payments immediately by merchants according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates that when a predetermined customer provides financial institution opening application information including at least one predetermined customer information, merchant information, and financial account attribute setting information through a non-face-to-face financial account opening interface, the financial institution provides the financial institution with application information. And a system for opening a financial account for the payment of the merchant immediately based on the application information for opening the financial account at the financial institution. Specifically, the customer goes to the financial account opening system through a non-facing channel. If the financial account establishment application information is provided, at least one of the customer information, the merchant information, and the financial account attribute setting information corresponding to the financial account establishment application through the financial company server 600 provided on the financial account establishment system. Merchants based on the financial account opening application information to include The present invention relates to a method of opening a predetermined financial account for immediate payment.

Those skilled in the art to which the present invention pertains may refer to or modify this drawing 6 to infer various implementation methods for configuring the financial account opening system for immediate payment of the merchants. The present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 6 includes generating a predetermined financial account application electronic document and storing the electronic document in an electronic document storage in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 6, it is possible to omit storing the electronic account opening application electronic document in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in the drawing 6 only.

Hereinafter, the financial account establishment application information including at least one of the customer information, the merchant information, and the financial account attribute setting information is received from the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. Components corresponding to at least one or more means or functional configurations of opening the financial account for the payment of the merchant immediately payment are referred to as "financial company server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, the merchant's financial account opening system for depositing payments immediately includes a terminal device 670 including at least one wired or wireless terminal used by a customer. The terminal device 670 is connected to the financial company server 600 provided on the financial account opening system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the financial institution server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial company server When the financial account opening application information is input (or selected) through at least one user interface provided by the 600, the financial institution server 600 provided on the financial account opening system through a predetermined network means in the client terminal. Is preferred.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 670 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and may be a desktop computer connected to the TCP / IP based communication network or the like. At least one notebook or a home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise.

In addition, the wireless terminal connected to the wireless communication network is any terminal device 670 connected to a mobile communication network of Code Division Multiple Access (CDMA) based (or High-Speed Downlink Packet Access (HSDPA) based), or IEEE 802.16x based portable. A generic term for all terminal devices 670 connected to the Internet or all terminal devices 670 connected to an IEEE 802.11x-based wireless LAN, the personal communication system being connected to the CDMA-based (or HSDPA-based) mobile communication network; PCS) or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones Or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or a wireless LAN connected to the IEEE 802.11x based wireless LAN. It is preferable to include at least one or more of the LAN terminal.

In addition, the financial company server 600 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and the network means, or for the information registration It is preferable to include a separate web server.

The network means for connecting the client terminal and the financial institution server 600 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based portable Internet or IEEE 802.11 depending on the type of wireless communication network to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one user interface provided by the financial institution server 600, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 600 (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 600) are preferably provided.

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

In the financial account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the financial company server 600. The customer performs a function of a financial account opening interface for registering the financial account opening application information.

According to another exemplary embodiment of the present invention, the terminal device 670 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A financial dispensing device (not shown) including a cash dispenser (CD) is further included, or a wired telephone network connected to a predetermined public switched telephone network (PSTN) or voice over IP (VoIP) network. It further comprises a call terminal (not shown) of, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, or at least affiliated with the financial institution Terminal (or server) (not shown) provided in one or more institutions may be further included, whereby the present invention is not limited.

In the financial account opening system as described above, when the terminal device 670 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( The financial network connecting 600 performs a function of a financial account opening interface for the customer to register the financial account opening application information, or when the terminal device 670 is the call terminal (not shown), A wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 600 provides a function of a financial account opening interface for the customer to register the financial account opening application information. Or a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device 670 (not shown). And a network connecting the terminal (or server) (not shown) to the financial institution server 600 performs a function of a financial account opening interface for the customer to register the financial account opening application information.

The financial company server 600 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 670 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 670 is a client terminal including a wired terminal or a wireless terminal that can be connected to an internet banking server on a predetermined internet banking system, the financial institution server 600 includes the Internet banking. A predetermined Internet banking server provided on the system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 600 is connected to the wireless banking system. Is a predetermined wireless banking server provided in the program, or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial company server 600 is connected to the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided in the program, or a program provided in the telebanking server, or a predetermined access to the external system of the financial system through the telebanking system. A server (or device) that is a server (or device), a program included in the server (or device), or an external device on the financial system accessible through the telebanking server (or the server (or device)). Or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 600 is the TV banking. A predetermined TV banking server provided on the system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server A program provided in (or a device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 600 may include an interface unit 605 for connecting and managing a predetermined communication channel with the terminal device 670 through the network means.

According to an exemplary embodiment of the present invention, when the terminal device 670 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 605 may use the wired communication network or wireless communication. A communication interface for connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a communication network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable to provide.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 is based on a protocol stack defined in the wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial institution server 600, the interface unit 605 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a financial automatic device connected to a predetermined financial network, the interface unit 605 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 605 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the call path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device 670 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 6, when the predetermined terminal device 670 connects a predetermined communication channel with the financial company server 600 through the interface unit 605, the terminal device 670. Generate (or extract) at least one user interface for inputting (or selecting) predetermined financial account application information to be transmitted to the financial institution server 600, and generating the at least one user interface in connection with the interface unit 605. (Or extracted) the interface providing unit 610 for providing the extracted user interface to the terminal device 670 and the terminal device 670 inputting (or selecting) the financial account opening application information through the user interface. When the transmission, the information receiving unit 615 for receiving the financial account opening request information transmitted from the terminal device 670 in association with the interface unit 605 is provided; The features.

The interface provider 610 connects a predetermined communication channel with the financial institution server 600 through the interface unit 605, and then connects the user interface to the financial institution server 600. Upon request, the terminal device 670 generates (or selects) predetermined financial account application request information and generates at least one user interface for transmitting to the financial institution server 600 through the network means, or predetermined Extract from a database (not shown), and provide the generated (or extracted) user interface to the terminal device 670 through the network means in association with the interface unit 605.

According to an embodiment of the present invention, when the terminal device 670 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser program provided in the client terminal. Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 610 is connected to the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 605. It is desirable to.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 610 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined financial account opening application information to the terminal device 670 and transmitting it to the financial institution server 600 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined financial account opening application information and transmitting the predetermined information to the financial institution server 600 as described above. The interface providing unit 610 provided to the device 670 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 670 inputs (or selects) financial account opening application information including at least one of the customer information, merchant information, and financial account property setting information through the user interface, and inputs (or selects) the information. The financial account opening request information is transmitted to the financial institution server 600 through the network means. In response thereto, the information receiving unit 615 is transmitted from the terminal device 670 in association with the interface unit 605. Characterized in that for receiving the financial account establishment application information.

According to an exemplary embodiment of the present invention, the terminal device 670 opens the financial account in the financial company server 600 in the application information for opening a financial account including at least one of the customer information, the affiliated store information, and the financial account property setting information. The financial institution server 600 through the network means further includes at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the application information. Is preferred.

According to an exemplary embodiment of the present invention, the terminal device 670 may include at least one encryption method (for example, symmetric key-based) for applying for financial account establishment request information including at least one of the customer information, merchant information, and financial account property setting information. Encryption method, or public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like) or by attaching a predetermined electronic signature to the financial account opening application information, It is preferable to transmit to the financial institution server 600, for this purpose, the terminal device 670 is provided with at least one encryption key corresponding to the encryption method, or a predetermined public certificate containing at least one encryption key. Or the official certificate provided on a predetermined IC chip (or IC card) In this case, it is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

According to an exemplary embodiment of the present invention, the terminal device 670 may include at least one encryption method (for example, symmetric key-based) for applying for financial account establishment request information including at least one of the customer information, merchant information, and financial account property setting information. An encryption method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the financial institution server 600 through the network means. The device 670 has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate containing at least one encryption key, or the certificate has a predetermined IC chip (or IC card). ), A car for checking the official certificate provided on the IC chip (or IC card) Preferably, a drier is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for depositing payment of the merchant immediately, and the financial account has Extended attribute information, such as a transfer (or withdrawal) limit for cancellation of payment authorization, in the case of a merchant settlement account, and financial product attribute information associated with the financial account if the financial account is an account linked to an investmentable financial instrument. It is preferable to include at least one.

Referring to FIG. 6, when the financial institution opening application information received from the terminal device 670 is received through the information receiving unit 615, the financial institution server 600 receives the financial account opening application information. It is characterized in that the merchant is provided with a validity authentication unit for checking whether the validity for the payment payment immediately.

According to an embodiment of the present invention, the application information for opening a financial account may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The validity authentication unit converts the encrypted financial account opening request information into at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based method) corresponding to the encryption method. Decryption method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the validity authentication unit verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is desirable to.

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

When the financial account opening application information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the financial account opening application information, the validity authentication unit It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the financial account opening application information, the validity authentication unit may include the financial account. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the financial account opening application information, the validity authentication unit opens the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

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

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validation of the financial account opening application information includes checking whether the payment authorization cancellation limit information included in the financial account property setting information included in the financial account opening application information is set above a predetermined limit. It is preferable to make it.

Referring to FIG. 6, when the validity of the financial account opening application information is authenticated through the validity verification unit 625, the financial institution server 600 includes a predetermined financial account including the received financial account opening application information. An electronic document generating unit 630 for generating an opening application electronic document, and an electronic document transmitting unit 635 for transmitting the generated financial account opening application electronic document to an electronic document repository associated with the financial account opening system; Characterized in that made.

The electronic document generating unit 630 generates a financial account opening application electronic document including the financial account opening application information received from the terminal device 670 through the information receiving unit 615.

According to an exemplary embodiment of the present invention, the electronic document generation unit 630 includes at least one of customer information, affiliate store information, and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. A word processor which generates at least one document content including at least one document content and includes at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including MHT) is preferably processed as the electronic account opening application electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information, merchant information, and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. The document content includes at least one of customer information included in the financial account opening application information, merchant information, and financial account attribute setting information by a watermarking method, and then includes the watermarking document content. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is desirable to process the financial account opening application electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information, merchant information, and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. The image file including the captured image content (eg, the image content generated by capturing the document content on a memory) may be processed as the financial account opening request electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information, merchant information, and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. And the customer information, the merchant information, and the financial account property setting information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. After including at least one of the information in a watermarking (Watermarking) method, it is preferable to process the image file containing the image content including the watermarking to the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 630 may include at least customer information, merchant information, and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. Generate a document content including one or more, and a predetermined document file (eg, PDF (Portable) including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to treat with.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information, merchant information, and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. And the customer information, the merchant information, and the financial account property setting information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. Generating image content including at least one of the at least one information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the image content including the watermarking). Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT It is preferable that by creating a web page, such as a file), treated with the financial account opening application electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generation unit 630 may include customer information, merchant information, and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. A predetermined content including document content including at least one document content and image content (eg, image content generated by capturing the document content on a memory) and the financial account opening request information; By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to process the financial account opening application electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information, merchant information, and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. And the customer information, the merchant information, and the financial account property setting information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. Generating image content including at least one or more information in a watermarking manner, and including a document content including the watermarking and application information for opening a financial account (eg, a Portable Document Format (PDF)). Word that includes at least one file, an electronic data interchange (EDI) file, or HWP / DOC By generating a processor file or a web document file including the MHT), it is preferable to process the financial account opening application electronic document.

In the technical field to which the present invention pertains, the electronic document generating unit 630 generates a financial account opening application electronic document in an image file format or a predetermined document file format, and the financial account. Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document for opening application, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 635 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 630 to a predetermined electronic document storage associated with the financial account opening system. It is done.

As shown in FIG. 6, the electronic document repository is connected to a financial company server 600 on the financial account opening system with a predetermined electronic document server 645 and an electronic document D / B 665 through predetermined communication means. When provided externally, the electronic document transmission unit 635 is the electronic document opening application electronic document generated by the electronic document generation unit 630 through the communication means through the electronic document server 645 It characterized in that the transmission to.

Here, when the electronic document server 645 and the electronic document D / B 665 is provided outside the financial account opening system, the electronic document server 645 and the electronic document D / B 665 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 635 generates the electronic document generation unit 630. It is possible to store the electronic document opening application electronic document in the electronic document D / B 665 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 635 is electronic document related information (eg, the customer information, or the financial account) for generating a predetermined electronic document management information in the electronic document server 645 Financial institution information, electronic document file format information, or financial account opening application information, etc.) for transmitting an opening application electronic document, and the like may be transmitted to the electronic document storage, and the present invention is not limited thereto. .

Referring to FIG. 6, when the financial account opening application information received through the information receiving unit 615 is verified through the validity checking unit 625, the financial institution server 600 may verify the validity of the financial institution. And an account opening unit 640 for opening a financial account in a customer's name including the financial account property setting information based on the customer information, merchant information and financial account property setting information included in the account opening application information. It features.

When the validity of the financial account opening application information is confirmed by the validity confirming unit 625, the account opening unit 640 includes the customer information included in the financial account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger which is already matched with the customer information), and generating the predetermined account ledger information including the financial account attribute included in the financial account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, in response to the application for opening the financial account, the merchant may open a financial account for immediate payment of the payment.

Referring to FIG. 6, an electronic document which receives a predetermined financial account opening request electronic document from the financial company server 600 provided on the financial account opening system and stores and manages it in a predetermined electronic document D / B 665. The server 645, the electronic document receiving unit 650 for receiving a predetermined financial account opening request electronic document from the financial institution server 600 through a predetermined communication means, and the electronic document receiving application electronic document An information generation unit 655 for generating predetermined electronic document management information for storing and managing in the document D / B 665, and the electronic document management information and the financial account opening application electronic document in a predetermined manner. And an electronic document storage unit 660 for storing in the document D / B 665.

The electronic document receiving unit 650 may receive an application for opening a financial account in the form of an image file or a document file from the financial institution server 600 through the communication means.

According to the exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is opened by the financial company server 600 from the terminal device 670. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document content including at least one of customer information included in the application information, blind spot information, and financial account property setting information; Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial company server 600 from the terminal device 670. And at least one or more pieces of customer information, merchant information and financial account property setting information included in the financial account opening application information in document content including at least one of merchant information and financial account property setting information. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file including MHT).

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial company server 600 from the terminal device 670. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of merchant information and financial account property setting information. It is preferable to make.

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial company server 600 from the terminal device 670. And image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of merchant information and financial account property setting information. It is preferable to include at least one or more information of the customer information, merchant information, and financial account property setting information in a watermarking manner, and then include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is a financial account received by the financial company server 600 from the terminal device 670. Image content (eg, image content generated by capturing the document content on the memory) which captures document content including at least one of customer information, merchant information, and financial account property setting information included in the application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial company server 600 from the terminal device 670. And image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of merchant information and financial account property setting information. A document file (eg, PDF) that generates image content including at least one or more of the stored customer information, merchant information, and financial account property setting information by a watermarking method, and includes the image content including the watermarking. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is received by the financial company server 600 from the terminal device 670. Image content that captures document content including at least one of customer information, merchant information, and financial account property setting information included in the account opening application information (eg, image content generated by capturing the document content on a memory). And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including at least one document file including the financial account opening request information, Or a web document file including the MHT).

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial company server 600 from the terminal device 670. And image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of merchant information and financial account property setting information. Generating image content including at least one or more selected customer information, merchant information, and financial account property setting information by a watermarking method, and including image content including the watermarking and application information for opening the financial account. Document files (e.g., Portable Document Format (PDF) files, or EDI (Electronic Data Interchange) It comprises a work, or a word processor including at least one of HWP / DOC, file, or web page file containing the MHT, etc.) are preferred.

The information generation unit 655 uses a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 650, and the electronic document receiving unit 650. And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial account opening application electronic document was received (or a date and time at which the financial account opening application electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 655 opens the financial account with reference to the financial company server 600 which has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 650. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 600 through the electronic document receiving unit 650, the information generating unit 655 may receive the received electronic document. Electronic document management information further including document-related information (eg, the financial institution information for transmitting the customer information, the financial account opening request electronic document, the electronic document file format information, or the financial account opening application information, etc.); It is desirable to produce.

The electronic document storage unit 660 associates a financial account opening request electronic document received through the electronic document receiving unit 650 with electronic document management information generated through the information generation unit 655 to process a predetermined electronic document. It stores in the D / B (665).

According to the exemplary embodiment of the present invention, the financial institution opening application electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the financial institution server 600 of the terminal device 670. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic) containing document content including at least one or more of customer information, merchant information, and financial account property setting information included in the financial account opening application information received from the electronic device). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. At least one of customer information, merchant information, and financial account attribute setting information included in the financial account opening application information is included in document content including at least one of customer information, merchant information, and financial account attribute setting information included in the information. After including in a watermarking manner, at least a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking. And at least one word processor file or web document file including MHT).

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. Image data captured (eg, image content generated by capturing the document content on a memory) including document content including at least one of customer information, merchant information, and financial account property setting information included in the information. It is preferable to include an image file.

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. The financial information is stored in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, merchant information, and financial account property setting information included in the information. After including at least one or more information of the customer information, merchant information and financial account property setting information included in the account opening application information by the watermarking method, and including an image file including the image content including the watermarking It is preferable to make.

According to another exemplary embodiment of the present invention, a financial account opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the financial institution server 600 of the terminal device 670. Image content (e.g., capturing the document content on a memory by capturing document content including at least one of customer information, merchant information, and financial account property setting information included in the financial account opening application information received from A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT; Web document files, etc.) to be included.

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. The financial information is stored in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, merchant information, and financial account property setting information included in the information. Generate image content including at least one of customer information, merchant information, and financial account property setting information included in the account opening application information by a watermarking method, and include image content including the watermarking. At least a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC file). A document file or Web, and so on) that include the word-processor file, or MHT comprising at least preferably comprises.

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may include the financial company server 600 in the terminal device ( Image content (eg, capturing the document content on the memory) which captures document content including at least one of customer information, merchant information, and financial account property setting information included in the financial account opening application information received from 670. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the generated image content) and the financial account opening application information. A word processor file, or a web document file including MHT).

Alternatively, an electronic document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 is an application for opening a financial account received by the financial company server 600 from the terminal device 670. The financial information is stored in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, merchant information, and financial account property setting information included in the information. Generating image content including at least one of customer information, merchant information, and financial account property setting information included in the account opening application information by a watermarking method; and the image content including the watermarking and the financial Document files containing account opening application information (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange) ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 665 by processing the electronic document storage unit 660 in association with the electronic account opening request electronic document, the financial account opening Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 665 by the electronic document storage unit 660 in association with the financial account opening request electronic document is stored in the financial account. It is preferable that the financial institution server 600 that has transmitted the opening application electronic document further includes the financial institution information that has transmitted the financial account opening application electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 600, the electronic document storage unit 660 processes the connection with the financial account opening application electronic document and the The electronic document management information stored in the electronic document D / B 665 may include the received electronic document related information (for example, the financial institution information for transmitting the customer information or the electronic account opening request electronic document, or the electronic document file). Format information, or application information for opening a financial account).

7 illustrates a ledger configuration corresponding to a financial account opened in a non-face-to-face manner in accordance with an embodiment of the present invention.

In more detail, FIG. 7 illustrates an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 6 in the ledger D / B 700 provided in the DBMS on the financial system shown in FIG. As an example of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing to infer various implementation methods for a ledger configuration corresponding to the financial account. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information included in the ledger D / B 700 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs The ledger D / B 700 provided in the at least one ledger (for example, loan ledger, mortgage ledger, ...) or the like for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical matters therefor will be understood. Names omitted for simplicity.

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

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

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. ), Periodical reception information including at least one or more of a period (days), period extension, expiration date, and target amount, or an account number corresponding to the account ledger, a deposit amount, par value, pension date, and Trust reception information including at least one number of shares, or an account number corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, 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.

8A and 8B illustrate a process of opening a financial account for immediate payment of a merchant in a non-face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are webs in which the terminal device 670 on the financial account opening system shown in FIG. 6 is a client terminal, and the financial company server 600 can be accessed by a client terminal through a predetermined network means. In the case of having a server function, if a predetermined customer provides financial account opening application information including at least one of customer information, merchant information, and financial account attribute setting information through the client terminal to open a financial account, In the method of opening a predetermined financial account for the instant payment payment of the merchant on the basis of the financial account opening application information including at least one of the customer information, merchant information and financial account property setting information in the financial account opening system. As the present invention relates to a state of the art, If it is possible to infer various embodiments of the present invention to provide the financial account opening application information from the client terminal to the financial institution server 600 by referring to or modifying the drawings 8a and 8b, the present invention is all inferred It includes an implementation method and is not limited to the implementation method shown in Figs. 8A and 8B.

For example, although the embodiment shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the financial account opening application information and storing the electronic document in an electronic document storage, the above-described process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

8A and 8B provide a user interface through which the client terminal inputs (or selects) the financial account opening application information through a predetermined web page provided by the financial institution server 600. Although illustrated as being received, when a predetermined program is provided in the client terminal, the user interface may not be provided from the financial institution server 600, and the present invention is not limited thereto.

Hereinafter, in FIGS. 8A and 8B, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the financial institution server 600 illustrated in FIG. 6 is referred to as a “server” for convenience. The customer information, merchant information and financial account attribute setting information transmitted to the financial company server 600 are referred to as "financial account opening application information" for convenience.

8A and 8B, when the client terminal shown in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, A web page including the user interface connected to the server by accessing the server through a CDMA based (or HSDPA based) mobile communication network, an IEEE 802.16x based portable Internet, or an IEEE 802.11x based wireless LAN) In response to requesting (800), the server correspondingly inputs (or selects) financial account opening application information including at least one of the customer information, merchant information, and financial account property setting information, and transmits the user to the server. Generating (or extracting) a web page including an interface (805), and generating (or extracting) through the network means User and transmits the output to the web page that includes an interface to the mobile station 810.

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

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one or more customer information, merchant information, and financial account property setting information through a user interface included in the web page (815).

If the terminal receives (or selects) financial account opening application information including the customer information, merchant information, and financial account property setting information through the user interface (820), the terminal inputs the information through the communication channel. (825) The selected customer information, merchant information and financial account attribute setting information are transmitted to the server (825).

According to an embodiment of the present invention, the terminal checks the validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information, the merchant information and the financial account property setting information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) for financial account establishment application information including at least one or more of the customer information, merchant information, and financial account property setting information. Public key-based encryption method, electronic envelope-based encryption method, key exchange-based encryption method, etc.), or by attaching a predetermined electronic signature to the application for opening a financial account and transmitting it to the server through the network means Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate has a predetermined IC chip. (Or IC card), the IC chip (or IC car) ) To be provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) for financial account establishment application information including at least one or more of the customer information, merchant information, and financial account property setting information. Public key-based encryption method, electronic envelope-based encryption method, or key exchange-based encryption method, and the like, and transmit the encrypted data to the server through the network means. The IC chip (or IC) is provided with one or more encryption keys, or with a predetermined public certificate including at least one or more encryption keys, or when the public certificate is provided on a predetermined IC chip (or IC card). The card reader is provided for checking the certificate Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is finance of the financial institution). At least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked with the financial account opening system in response to the customer It is preferable to comprise.

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for depositing payment of the merchant immediately, and the financial account has Extended attribute information, such as a transfer (or withdrawal) limit for cancellation of payment authorization, in the case of a merchant settlement account, and financial product attribute information associated with the financial account if the financial account is an account linked to an investmentable financial instrument. It is preferable to include at least one.

Thereafter, the server receives and reads the customer information, the affiliated store information, and the financial account property setting information through the communication channel to confirm the validity of the financial account opening application information (830).

According to an embodiment of the present invention, the application information for opening a financial account may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The server determines at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the server verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is preferable.

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

According to an embodiment of the present invention, if the received financial account opening application information further includes a predetermined password for checking the validity of the financial account opening application information, the server is included in the financial account opening application information. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

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

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

According to an exemplary embodiment of the present invention, the validity check of the financial account opening application information may include at least one matched with the financial account opening application information in the ledger D / B 700 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is preferable to include a check that matches the customer ledger stored in / B (700).

In addition, the validation of the financial account opening application information includes checking whether the payment authorization cancellation limit information included in the financial account property setting information included in the financial account opening application information is set above a predetermined limit. It is preferable to make it.

If the validity of the financial account opening application information is not authenticated (835), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (840), opening the financial account opening Do not perform the procedure.

On the other hand, if the validity of the financial account opening application information is authenticated (835), the server includes predetermined document contents including at least one or more customer information including the financial account opening application information, merchant information, and financial account attribute setting information. In operation 845, a predetermined financial account opening application electronic document including the document content is generated in operation 850.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and the document content is generated. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the financial account opening application electronic document.

Alternatively, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and the document content is applied to the financial account opening application information. After including at least one of the included customer information, merchant information, and financial account property setting information by a watermarking method, a document file (eg, PDF (Portable Document Format) containing document content including the watermarking; ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Do.

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

Alternatively, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one of customer information, merchant information, and financial account attribute setting information included in the financial account opening application information may be watermarked. After the inclusion, it is preferable to process the image file including the image content including the watermarking to the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to be processed into the financial account opening application electronic document.

Alternatively, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one of customer information, merchant information, and financial account attribute setting information included in the financial account opening application information may be watermarked. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; By generating a word processor file containing the document or a web document file containing the MHT). It is preferable to process the electronic documents for application for opening a financial account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, merchant information, and financial account attribute setting information included in the received financial account opening application information, and the document A predetermined document file (e.g., a Portable Document Format (PDF) file) including image content (e.g., image content generated by capturing the document content on a memory) and the financial account opening request information; Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to process the electronic account opening application electronic document. Do.

Alternatively, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one of customer information, merchant information, and financial account attribute setting information included in the financial account opening application information may be watermarked. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or the like) that generates an image content including an image content and includes the watermarking image content and the financial account opening application information; or Word processor files containing at least one HWP / DOC, etc., or a web containing MHT By creating a file server, etc.), it is preferable to apply processing to the banking account opening electronic documents.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and correspond to the financial account opening application electronic document Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (855).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665).

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

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

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

In addition, the electronic document management information is a predetermined electronic document-related information (for example, the customer information, or financial institution information for transmitting the electronic account opening request electronic document, electronic document file format information, or the financial account opening request) Information).

If the electronic document opening application electronic document is stored in the electronic document storage (860), the server generates predetermined account ledger information corresponding to the financial account opening application information for the payment immediately to the merchant (865) After opening the financial account of the customer's name including the account ledger information in connection with the financial system (875), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (880). ).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the payment of the merchant immediately.

9A, 9B, and 9C illustrate a process of opening a financial account for immediate payment of a merchant according to an exemplary embodiment of the present invention.

In more detail, FIGS. 9A, 9B, and 9C illustrate a case in which the financial account opening system shown in FIG. 6 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial account opening shown in FIG. 6). In the case where the financial institution server 600 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined financial account opening application information to the internet banking server to open the financial account, the at least one customer information, merchant information, and financial account attribute setting information is transmitted from the internet banking server. Pre-determined financial system for depositing payment immediately to the merchant based on the application information for opening a financial account that includes A method of establishing an account, and a person of ordinary skill in the art to which the present invention pertains may refer to or modify the drawings 9a, 9b, and 9c to perform the above method through other types of non-face-to-face financial transaction channels. Various implementation methods for providing application information for opening a financial account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 9A, 9B, and 9C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 9A, 9B, and 9C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account establishment application information between the client terminal and the internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains By referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9A, 9B, and 9C, the client terminal and the internet banking are based on a predetermined internet banking program mounted on the client terminal. Server Corp Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account opening application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains to, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering a financial account opening application information. It includes all kinds of non-face-to-face channel based financial transactions, including wireless banking system or TV banking system or future proposed non-face-to-channel banking system, and the technical configuration of the present invention is shown in FIGS. 9A, 9B and 9C. It is by no means limited to Internet banking.

In addition, although the method shown in FIGS. 9A, 9B, and 9C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following Figures 9a, 9b and 9c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 600 is referred to as "server" for convenience.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (905a), where the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server (or extracted) and transmitted to the terminal, and to the terminal This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (915a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 920a.

If the terminal does not need to install or update the latest version of the security module for internet banking (925a), or if the terminal does not need to load or update the security module for internet banking (915a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (930a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and the predetermined information is provided to the information (or data) to be provided to the server to register the financial account opening application information in the terminal When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) or provided by encrypting with at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by the decryption method (or decryption algorithm) of the information, and the predetermined information to the information (or data) to be provided to the server to register the financial account opening application information in the terminal Attach an electronic signature or at least one encryption When encrypted and transmitted using an expression (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel for decoding.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

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

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

Subsequently, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or certificate server) (940a). In operation 945a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined financial account establishment application information from the terminal to the server.

Subsequently, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (900b), the server may correspond to the customer information, merchant information and financial account property setting information. Generate (or extract) a web page including a user interface for inputting (or selecting) financial account opening application information including at least one of the information and transmitting the same to the server (905b), and establishes the internet banking-based financial transaction channel. The web page including the generated (or extracted) user interface is transmitted to the terminal and output (910b).

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

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

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, the merchant information, and the financial account property setting information through the financial account opening interface (915b).

If the terminal receives (or selects) financial account opening application information including the customer information, merchant information, and financial account property setting information through the user interface (920b), the terminal receives the financial transaction channel through the financial transaction channel. The input (or selected) financial account opening application information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal checks the validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information, the merchant information and the financial account property setting information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) for financial account establishment application information including at least one or more of the customer information, merchant information, and financial account property setting information. Public key-based encryption method, electronic envelope-based encryption method, key exchange-based encryption method, etc.), or by attaching a predetermined electronic signature to the application for opening a financial account and transmitting it to the server through the network means Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate has a predetermined IC chip. (Or IC card), the IC chip (or IC car) ) To be provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) for financial account establishment application information including at least one or more of the customer information, merchant information, and financial account property setting information. Public key-based encryption method, electronic envelope-based encryption method, or key exchange-based encryption method, and the like, and transmit the encrypted data to the server through the network means. The IC chip (or IC) is provided with one or more encryption keys, or with a predetermined public certificate including at least one or more encryption keys, or when the public certificate is provided on a predetermined IC chip (or IC card). The card reader is provided for checking the certificate Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The financial account attribute setting information may include basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for depositing payment of the merchant immediately, and the financial account has Extended attribute information, such as a transfer (or withdrawal) limit for cancellation of payment authorization, in the case of a merchant settlement account, and financial product attribute information associated with the financial account if the financial account is an account linked to an investmentable financial instrument. It is preferable to include at least one.

Thereafter, the server receives and reads the financial account opening application information through the financial transaction channel to check the validity of the financial account opening application information (930b).

According to an embodiment of the present invention, the application information for opening a financial account may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The server determines at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the server verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is preferable.

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

According to an embodiment of the present invention, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the financial account opening application information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the financial account opening application information, the server opens the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an exemplary embodiment of the present invention, the validity check of the financial account opening application information may include at least one matched with the financial account opening application information in the ledger D / B 700 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is preferable to include a check that matches the customer ledger stored in / B (700).

In addition, the validation of the financial account opening application information includes checking whether the payment authorization cancellation limit information included in the financial account property setting information included in the financial account opening application information is set above a predetermined limit. It is preferable to make it.

If the validity of the financial account opening application information is not authenticated (935b), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (940b), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the financial account opening application information is authenticated (935b), the server includes predetermined document content including at least one or more customer information including the financial account opening application information, merchant information, and financial account attribute setting information. In operation 945b, a predetermined financial account opening application electronic document including the document content is generated in operation 950c.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and the document content is generated. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the financial account opening application electronic document.

Alternatively, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and the document content is applied to the financial account opening application information. After including at least one of the included customer information, merchant information, and financial account property setting information by a watermarking method, a document file (eg, PDF (Portable Document Format) containing document content including the watermarking; ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Do.

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

Alternatively, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one of customer information, merchant information, and financial account attribute setting information included in the financial account opening application information may be watermarked. After the inclusion, it is preferable to process the image file including the image content including the watermarking to the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to be processed into the financial account opening application electronic document.

Alternatively, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one of customer information, merchant information, and financial account attribute setting information included in the financial account opening application information may be watermarked. At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) that includes an image content including an image content including the watermarking; By generating a word processor file including the above, or a web document file including the MHT). It is preferable to process the electronic documents for application for opening a financial account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, merchant information, and financial account attribute setting information included in the received financial account opening application information, and the document A predetermined document file (e.g., a Portable Document Format (PDF) file) including image content (e.g., image content generated by capturing the document content on a memory) and the financial account opening request information; Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to process the electronic account opening application electronic document. Do.

Alternatively, the server generates document content including at least one of customer information, merchant information, and financial account property setting information included in the received financial account opening application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one of customer information, merchant information, and financial account attribute setting information included in the financial account opening application information may be watermarked. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP) including an image content including an image content including the watermarking and the financial account opening request information; Word processor files containing at least one of / DOC, etc., or a web containing MHT By creating a file server, etc.), it is preferable to apply processing to the banking account opening electronic documents.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and correspond to the financial account opening application electronic document Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage box (955c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665).

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic account opening request electronic document is stored in the electronic document storage (960c), the server generates predetermined account ledger information corresponding to the financial account opening application information for the payment of the merchant immediately payment (965c) In operation 970c, a financial account of the customer's name including the account ledger information is opened in connection with the financial system, and a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (975c). ).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the payment of the merchant immediately.

FIG. 10 is a diagram illustrating a face-to-face information registration system for setting an immediate limit on payment of a merchant according to an exemplary embodiment of the present invention.

In more detail, FIG. 10 includes at least one customer information, merchant information, payment account information, and cancellation limit information for a predetermined customer to set the merchant to immediately cancel the payment price through a predetermined information registration interface. When the cancellation limit setting information is provided, the customer registration information, merchant information, payment account information, and cancellation limit information included in the provided cancellation limit setting information in the information registration system are stored in a predetermined storage medium 1030. As a system configuration, the person skilled in the art to which the present invention belongs, infers various implementation methods for the configuration of the information registration system for setting the merchant to immediately limit the payment by referring to or modifying the drawing 10. As will be appreciated, the present invention includes all implementation methods inferred and It is not limited to the implementation method shown in FIG.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the cancellation limit setting information provided from the customer on the storage medium 1030 via a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 1000" for convenience.

Referring to FIG. 10 according to an embodiment of the present invention, an information registration system for setting an immediate limit on the payment amount of merchants comprises an information registration terminal including a counter terminal provided at at least one financial institution branch. The information registration terminal is connected to a communication channel with an information registration server 1000 provided on the information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch to set a limit on the immediate payment of the affiliated store, and immediately pays the merchant through a window provided at the financial institution branch (or through a cashier). After completing a prescribed application for setting the cancellation limit (for example, a document with a form for filling in at least one information item for setting a payment cancellation limit for the merchant immediately) and submitting the completed application to the counter employee, The teller staff inputs (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal includes the input (or select) information on the information registration system through the financial network. It is preferable to transmit to the information registration server 1000.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 1000 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 1000 comprises a branch network connecting the communication channel between the window terminal and the information registration server 1000. desirable.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 1000, the customer pays the merchant immediately. Performs the function of the information registration interface for registering the cancellation limit setting information for setting the cancellation limit.

The storage medium 1030 provided on the information registration system according to the present invention is linked to the customer information, merchant information, payment account information, cancellation limit information included in the cancellation limit setting information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 1030, the cancellation limit setting information including at least one of the customer information, merchant information, payment account information, cancellation limit information stored in the storage medium 1030 is Merchants are used to set the limit of payment immediately.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by including at least one or more It is preferable to make it.

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The payment account information preferably comprises a financial account number opened in the name of the customer (or merchant) to which the payment amount (especially, instant payment) of the merchant is deposited.

The cancellation limit information may include a limit amount (for example, a daily cancellation limit, a daily limit for the number of cancellations per day, a monthly cancellation limit, etc.) of payment settlement cancellation of the payment amount deposited in the payment account.

According to one embodiment of the invention, the storage medium 1030 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1030 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1030 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 1000 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 1000 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

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

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 1005 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 10, the information registration server 1000 connects a communication channel with the information registration server 1000 through the interface unit 1005 and then connects with the interface unit 1005. An interface provider 1010 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined cancellation limit setting information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 1015 for receiving predetermined cancellation limit setting information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 1005, and the received cancellation limit setting information. Validation unit 1020 for checking the validity, and the customer information, merchant information, payment account included in the cancellation limit setting information confirmed validity , In conjunction with processing to cancel the limit information includes a data storage unit 1025 to store in a storage medium (1030) is characterized in that formed.

The interface providing unit 1010 connects a communication channel with the information registration server 1000 through the interface unit 1005 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) cancellation limit setting information and transmit it to the information registration server 1000 through the financial network, or extract it from a predetermined database (not shown), and the interface unit In operation 1005, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, a predetermined type having at least one user interface for inputting (or selecting) the cancellation limit setting information to the information registration terminal and transmitting the information to the information registration server 1000 through the financial network. When the information registration program is provided, the interface providing unit 1010 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) cancellation limit setting information including at least one of the customer information, merchant information, payment account information, and cancellation limit information based on the user interface, and the input (or The selected cancellation limit setting information is transmitted to the information registration server 1000 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1010 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1005.

The information receiving unit 1015 inputs (or selects) cancellation limit setting information including at least one of customer information, affiliate store information, payment account information, and cancellation limit information through the user interface in the information registration terminal. When transmitting through, it is characterized in that for receiving the cancellation limit setting information in conjunction with the interface unit 1005, and provides the received cancellation limit setting information to the validity check unit 1020.

The validity confirming unit 1020 is characterized in that whether the cancellation limit setting information received from the information registration terminal satisfies the validity for the instantaneous payment price cancellation limit setting.

According to an exemplary embodiment of the present invention, the validity check of the cancellation limit setting information includes whether at least one ledger information matching the cancellation limit setting information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the cancellation limit setting information includes checking whether the customer information included in the cancellation limit setting information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validation of the cancellation limit setting information includes checking whether the payment account information included in the cancellation limit setting information matches an account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make it.

When the validity of the cancellation limit setting information is confirmed, the information storage unit 1025 associates the customer information, the affiliated store information, the payment account information, and the cancellation limit information included in the cancellation limit setting information with the storage medium 1030. When the storage medium 1030 is provided in the information registration server 1000 or on the network associated with the information registration server 1000, the information storage unit 1025 ) Is preferably stored in the storage medium 1030 by linking the customer information, merchant information, payment account information, cancellation limit information included in the received cancellation limit setting information, the storage medium 1030 When provided in the DBMS provided on the system, the information storage unit 1025 is the customer information, merchant information, payment account information, cancellation limit information contained in the received cancellation limit setting information is the gold It is desirable to provide the information system through the external system on the loan system and store it in the DBMS provided on the financial system.

11 is a view showing the configuration of the cancellation limit setting information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner in order to set the merchant immediately cancel payment limit according to an embodiment of the present invention.

In more detail, in FIG. 11, when the storage medium 1030 illustrated in FIG. 10 is a ledger D / B provided in a DBMS on a financial system, the customer information and affiliated store information are included in the ledger information provided in the ledger D / B. FIG. 11 illustrates a configuration of an information on an embodiment of a method of storing cancellation limit setting information including payment account information and cancellation limit information. If a person of ordinary skill in the art belongs to the present invention, refer to FIG. Or it may be modified to infer various information configuration methods for storing the cancellation limit setting information in the ledger D / B, but the present invention includes all the implementation methods inferred, with only the implementation method shown in FIG. It is not limited.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

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

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

Referring to FIG. 11, the cancellation limit setting information provided through the information registration system shown in FIG. 10 is stored in the form of additional information added to the account ledger, and the cancellation limit setting information is stored in the customer information and the affiliated store. Characterized in that it comprises at least one information, payment account information, cancellation limit information.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The payment account information preferably comprises a financial account number opened in the name of the customer (or merchant) to which the payment amount (especially, instant payment) of the merchant is deposited.

The cancellation limit information may include a limit amount (for example, a daily cancellation limit, a daily limit for the number of cancellations per day, a monthly cancellation limit, etc.) of payment settlement cancellation of the payment amount deposited in the payment account.

According to another exemplary embodiment of the present invention, the cancellation limit setting information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, a customer ledger). It may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

FIG. 12 is a diagram illustrating a configuration of setting cancellation limit information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner to set an immediate payment cancellation limit for a merchant according to another embodiment of the present invention. to be.

More specifically, FIG. 12 illustrates an information structure of an embodiment in which the storage medium 1030 illustrated in FIG. 10 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As one of ordinary skill in the art to which the present invention pertains, various information configuration methods for storing the cancellation limit setting information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 12. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 12, when it is not easy to store the cancellation limit setting information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change or system expansion is not easy due to the nature of the financial system), the cancellation limit setting information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 12 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 12, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 12, the database is characterized in that the customer information contained in the cancellation limit setting information, affiliated store information, payment account information, cancellation limit information stored in association with, the cancellation limit setting information is the ledger D Preferably, the cancellation limit setting information further includes a CIF number corresponding to the ledger information to be linked to / B.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The payment account information preferably comprises a financial account number opened in the name of the customer (or merchant) to which the payment amount (especially, instant payment) of the merchant is deposited.

The cancellation limit information may include a limit amount (for example, a daily cancellation limit, a daily limit for the number of cancellations per day, a monthly cancellation limit, etc.) of payment settlement cancellation of the payment amount deposited in the payment account.

FIG. 13 is a diagram illustrating a configuration of setting cancellation limit information stored in a DBMS provided in a banking server in a face-to-face manner to set an immediate payment limit cancellation limit for a merchant according to another exemplary embodiment of the present invention.

More specifically, FIG. 13 shows a DBMS in which the storage medium 1030 shown in FIG. 10 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, the cancellation limit stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 13 It is possible to infer a method of constructing information on setting information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 13, a predetermined DBMS provided in the banking server is configured to store and store customer information, merchant information, payment account information, and cancellation limit information included in the cancellation limit setting information.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The payment account information preferably comprises a financial account number opened in the name of the customer (or merchant) to which the payment amount (especially, instant payment) of the merchant is deposited.

The cancellation limit information may include a limit amount (for example, a daily cancellation limit, a daily limit for the number of cancellations per day, a monthly cancellation limit, etc.) of payment settlement cancellation of the payment amount deposited in the payment account.

14 is a diagram illustrating a process of registering cancellation limit setting information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 14 shows a case where the information registration server 1000 on the information registration system shown in FIG. 10 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 1000 and connects a communication channel for information registration according to the present invention, and then the customer information and merchant information to the information registration server 1000 through the communication channel. When the cancellation limit setting information including payment account information and cancellation limit information is transmitted, customer information, merchant information, payment account information, cancellation limit included in the received cancellation limit setting information is received from the information registration server 1000. An embodiment of the present invention relates to a method of linking and storing information in a predetermined storage medium 1030. Those skilled in the art to which the present invention pertains are shown in FIG. 14. Although various implementation methods of registering the cancellation limit setting information with the information registration server 1000 at the counter terminal may be inferred by reference or modification, the present invention includes all implementation methods inferred from this figure. It is not limited to the implementation method shown by.

Hereinafter, in FIG. 14, the window terminal shown in FIG. 10 is referred to as a "terminal" for convenience, and the information registration server 1000 shown in FIG. 10 is referred to as a "server" for convenience, and the information is registered in the window terminal. The customer information, merchant information, payment account information, and cancellation limit information transmitted to the server 1000 are referred to as "cancellation limit setting information" for convenience.

Referring to FIG. 14, a window terminal shown in FIG. 10 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the cancellation limit setting information, and immediately cancels payment of the merchant. When requesting registration of the cancellation limit setting information for setting (1400), the server generates (or extracts) a predetermined information registration interface for registering the cancellation limit setting information (1405), and transmits the information through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (1410).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) cancellation limit setting information including at least one of the customer information, merchant information, payment account information, and cancellation limit information in the terminal. It is preferable to comprise.

Thereafter, the terminal inputs (or selects) cancellation limit setting information including at least one or more customer information, affiliate store information, payment account information, and cancellation limit information through the information registration interface (1415).

If the terminal enters (or selects) cancellation limit setting information including the customer information, merchant information, payment account information, and cancellation limit information through the information registration interface (1420), the terminal receives information through the financial network. The cancellation limit setting information including the input (or selected) customer information, merchant information, payment account information, and cancellation limit information is transmitted to the server (1425).

Thereafter, the server receives and reads the customer information, the merchant information, the payment account information, and the cancellation limit information through the financial network to confirm the validity of the cancellation limit setting information (1430).

According to an exemplary embodiment of the present invention, the validity check of the cancellation limit setting information includes whether at least one ledger information matching the cancellation limit setting information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the cancellation limit setting information includes checking whether the customer information included in the cancellation limit setting information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validation of the cancellation limit setting information includes checking whether the payment account information included in the cancellation limit setting information matches an account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make it.

If the validity of the cancellation limit setting information is not authenticated (1435), the server generates predetermined information registration error information and transmits it to the terminal (1440), and performs an information registration procedure corresponding to the cancellation limit setting information. Do not perform.

On the other hand, if the validity of the cancellation limit setting information is authenticated (1435), the server performs the information registration procedure corresponding to the cancellation limit setting information, thereby linking the customer information, merchant information, payment account information, cancellation limit information. The process then stores the data in a predetermined storage medium 1030 (1445).

According to an embodiment of the present invention, the storage medium 1030 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1030 is provided. 1030 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1030 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1450), thereby completing the procedure of registering the cancellation limit setting information transmitted from the terminal.

FIG. 15 is a diagram illustrating a non-face-to-face information registration system for setting an immediate limit on payment of a merchant according to another embodiment of the present invention.

More specifically, FIG. 15 includes at least one customer information, merchant information, payment account information, and cancellation limit information for a predetermined customer to set the merchant to immediately cancel the payment price through an information registration interface through a predetermined information registration interface. If the cancellation limit setting information is provided, the customer registration information, merchant information, payment account information, and cancellation limit information included in the cancellation limit setting information provided by the information registration system are linked to a predetermined storage medium 1530. Regarding the system configuration for storing, those of ordinary skill in the art to which the present invention pertains, various implementation methods for configuring the information registration system for setting the merchant payout cancellation limit immediately by referring to or modifying this figure 15. It may be inferred, but the present invention includes all implementation methods inferred and It is not limited to the implementation method shown in FIG.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the cancellation limit setting information provided from the customer on the storage medium 1530 via a predetermined information registration interface on the information registration system shown in FIG. 15. The element is referred to as "information registration server 1500" for convenience.

Referring to this figure 15 according to the embodiment of the present invention, the information registration system for setting the merchant to immediately settle the payment cancellation limit, at least one or more client terminals including at least one wired terminal or a wireless terminal used by the customer Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 1500 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 1500 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. Entering (or selecting) cancellation limit setting information for setting the merchant's immediate payment limit cancellation limit through at least one user interface provided by the registration server 1500, the client terminal registers the information through a predetermined network means. It is preferable to transmit to the information registration server 1500 provided on the system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

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

In addition, the information registration server 1500 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 1500 may be a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

The client terminal may output at least one user interface provided by the information registration server 1500, input or select at least one information through the user interface, and transmit the information to the information registration server 1500. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 1500, etc.) is provided.

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

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the information registration server 1500. The customer performs the function of the information registration interface for registering the cancellation limit setting information for the merchant immediately set the payment price cancellation limit.

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

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automated device (not shown) and the information registration server 1500 The financial network that connects the customer to perform the function of the information registration interface for registering the cancellation limit setting information for the customer to immediately set the payment price cancellation limit, or the information registration terminal is the call terminal (not shown) In this case, the call terminal (not shown) and the wired telephone network or wireless telephone network connecting the call terminal (not shown) and the information registration server 1500, the customer set a cancellation limit for setting the payment price cancellation limit immediately Performs a function of an information registration interface for registering information, or to an institution affiliated with the financial institution that is the information registration terminal. If the terminal (or server) (not shown) provided, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 1500 is the customer The affiliated store performs a function of an information registration interface for registering the cancellation limit setting information for setting an immediate payment price cancellation limit.

The storage medium 1530 provided on the information registration system according to the present invention performs a process of linking the customer information, affiliated store information, payment account information, and cancellation limit information included in the cancellation limit setting information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 1530, the cancellation limit setting information including at least one of the customer information, merchant information, payment account information, cancellation limit information stored in the storage medium 1530 is Merchants are used to set the limit of payment immediately.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The payment account information preferably comprises a financial account number opened in the name of the customer (or merchant) to which the payment amount (especially, instant payment) of the merchant is deposited.

The cancellation limit information may include a limit amount (for example, a daily cancellation limit, a daily limit for the number of cancellations per day, a monthly cancellation limit, etc.) of payment settlement cancellation of the payment amount deposited in the payment account.

According to one embodiment of the invention, the storage medium 1530 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1530 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1530 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 1500 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 1500 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1500 is configured on the wireless banking system. Is a predetermined wireless banking server provided in the program, or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1500 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1500 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1500 is characterized in that it comprises an interface unit 1505 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1505 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1505 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1500, the interface unit 1505 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1505 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1505 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 1500, the interface unit 1505 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 1505 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1505 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1505 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1505 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 15, in the information registration server 1500, a predetermined information registration terminal connects a communication channel with the information registration server 1500 through the interface unit 1505, and then the interface unit 1505. An interface providing unit 1515 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined cancellation limit setting information and transmitting the predetermined cancellation limit setting information to the information registration terminal in association with; An information receiving unit 1515 for receiving predetermined cancellation limit setting information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 1505, and the received cancellation limit setting information. The information storage unit 1525 is configured to store and process the customer information, merchant information, payment account information, and cancellation limit information included in a predetermined storage medium 1530. And it characterized in that formed.

The interface providing unit 1515 connects a communication channel with the information registration server 1500 through the interface unit 1505 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) cancellation limit setting information and transmit it to the information registration server 1500 via the network means, or extract from a predetermined database (not shown), In operation 1505, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) cancellation limit setting information including at least one of the customer information, merchant information, payment account information, and cancellation limit information based on the user interface, and the input (or selection). The canceled limit setting information is transmitted to the information registration server 1500 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 1515 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1515 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 1505.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1515 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1505.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 1515 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1505. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1515 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1505.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the cancellation limit setting information to the information registration terminal and transmitting the information to the information registration server 1500 via the network means. When the information registration program is provided, the interface providing unit 1515 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 1515 inputs (or selects) cancellation limit setting information including at least one of customer information, merchant information, payment account information, and cancellation limit information through the user interface at the information registration terminal. When transmitting through, it is characterized in that for receiving the cancellation limit setting information in conjunction with the interface unit 1505, and provides the received cancellation limit setting information to the validity check unit 1520.

The validity confirming unit 1520 is characterized in that whether the cancellation limit setting information received from the information registration terminal satisfies the validity for the instantaneous payment setting cancellation limit setting.

According to an exemplary embodiment of the present invention, the validity check of the cancellation limit setting information includes whether at least one ledger information matching the cancellation limit setting information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the cancellation limit setting information includes checking whether the customer information included in the cancellation limit setting information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validation of the cancellation limit setting information includes checking whether the payment account information included in the cancellation limit setting information matches an account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make it.

When the validity of the cancellation limit setting information is confirmed, the information storage unit 1525 associates the customer information, the merchant information, the payment account information, and the cancellation limit information included in the cancellation limit setting information with the storage medium 1530. When the storage medium 1530 is provided in the information registration server 1500 or on the network associated with the information registration server 1500, the information storage unit 1525 ) Is preferably stored in the storage medium 1530 by linking and processing the customer information, merchant information, payment account information, and cancellation limit information included in the received cancellation limit setting information, wherein the storage medium 1530 is financed. When provided in the DBMS provided on the system, the information storage unit 1525 is configured to display the customer information, merchant information, payment account information, cancellation limit information included in the received cancellation limit setting information. It is desirable to provide the information system through the external system on the loan system and store it in the DBMS provided on the financial system.

16 is a view showing the configuration of the cancellation limit setting information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to set the merchant to immediately cancel the payment in accordance with an embodiment of the present invention.

In more detail, in FIG. 16, when the storage medium 1530 illustrated in FIG. 15 is a ledger D / B provided in a DBMS on a financial system, the customer information and merchant information may be included in the ledger information provided in the ledger D / B. The information configuration for one embodiment of the method for storing cancellation limit setting information, including payment account information and cancellation limit information, is shown. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. Or it may be modified to infer various information configuration methods for storing the cancellation limit setting information in the ledger D / B, but the present invention includes all the implementation methods inferred, with only the implementation method shown in Figure 16 It is not limited.

Referring to FIG. 16 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person of ordinary skill in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

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

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

Referring to FIG. 16, the cancellation limit setting information provided through the information registration system shown in FIG. 15 is stored in the form of additional information added to the account ledger. The cancellation limit setting information may include customer information, Merchant information, payment account information, cancellation limit information characterized in that it comprises at least one.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The payment account information preferably comprises a financial account number opened in the name of the customer (or merchant) to which the payment amount (especially, instant payment) of the merchant is deposited.

The cancellation limit information may include a limit amount (for example, a daily cancellation limit, a daily limit for the number of cancellations per day, a monthly cancellation limit, etc.) of payment settlement cancellation of the payment amount deposited in the payment account.

According to another exemplary embodiment of the present invention, the cancellation limit setting information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, a customer ledger). It may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

Figure 17 illustrates the configuration of the cancellation limit setting information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to set the merchant immediately cancel payment limit according to another embodiment of the present invention Drawing.

More specifically, FIG. 17 illustrates an information structure of an exemplary embodiment in which the storage medium 1530 shown in FIG. 15 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for storing the cancellation limit setting information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 17. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 17, when it is not easy to store the cancellation limit setting information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change or system expansion is not easy due to the nature of the financial system), the cancellation limit setting information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 17 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 17, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 17, the database is characterized in that the customer information contained in the cancellation limit setting information, affiliated store information, payment account information, cancellation limit information stored in association with, the cancellation limit setting information is the ledger D It is preferable that the CIF number corresponding to the ledger information is further included in the cancellation limit setting information to be co-processed with / B.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The payment account information preferably comprises a financial account number opened in the name of the customer (or merchant) to which the payment amount (especially, instant payment) of the merchant is deposited.

The cancellation limit information may include a limit amount (for example, a daily cancellation limit, a daily limit for the number of cancellation times, a monthly cancellation limit, etc.) of payment settlement cancellations of the payment amount deposited in the payment account.

FIG. 18 is a diagram illustrating configuration of cancellation limit setting information stored in a DBMS provided in a banking server in a non-face-to-face manner in order to immediately set a payment limit cancellation limit for a merchant according to another embodiment of the present invention.

More specifically, FIG. 18 shows a DBMS in which a storage medium 1530 shown in FIG. 15 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, the cancellation limit stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 18. It is possible to infer a method of constructing information on setting information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 18, a predetermined DBMS provided in the banking server may store and store customer information, merchant information, payment account information, and cancellation limit information included in the cancellation limit setting information.

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

The affiliated store information may include unique information of the affiliated store operated by the customer (eg, affiliated store name, business registration number, corporation registration number (if corporation), address, telephone number, fax number, homepage address, etc.), and affiliated store terminal information ( For example, it is preferable to include at least one terminal unique code or unique number or serial number) provided in the affiliated store.

The payment account information preferably comprises a financial account number opened in the name of the customer (or merchant) to which the payment amount (especially, instant payment) of the merchant is deposited.

The cancellation limit information may include a limit amount (for example, a daily cancellation limit, a daily limit for the number of cancellations per day, a monthly cancellation limit, etc.) of payment settlement cancellation of the payment amount deposited in the payment account.

FIG. 19 is a diagram illustrating a process of registering cancellation limit setting information in a non-face-to-face manner in order to immediately set a payment limit cancellation limit for a merchant according to an exemplary embodiment of the present invention.

More specifically, in FIG. 19, when the information registration server 1500 on the information registration system shown in FIG. 15 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 1500 and connecting the communication channel for information registration according to the present invention, the customer information, merchant information, payment account information, cancellation limit to the information registration server 1500 through the communication channel When the cancellation limit setting information including the information is transmitted, the customer registration information, merchant information, payment account information, and cancellation limit information included in the received cancellation limit setting information are linked to the predetermined information by the information registration server 1500. As an embodiment of the present invention for storing in the storage medium 1530, those skilled in the art to which the present invention pertains, Although various implementation methods for registering the cancellation limit setting information from the client terminal to the information registration server 1500 may be inferred by reference or modification, the present invention includes all the implementation methods inferred from the present invention. It is not limited to the implementation method shown by.

Hereinafter, in FIG. 19, the client terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the information registration server 1500 shown in FIG. 15 is called "server" for convenience, and the information is referred to by the client terminal. The customer information, merchant information, payment account information, and cancellation limit information transmitted to the registration server 1500 are referred to as "cancellation limit setting information" for convenience.

Referring to FIG. 19, the client terminal illustrated in FIG. 15 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). The predetermined limit channel for accessing the server through the communication network or the IEEE 802.16x-based portable Internet, etc., for connecting the predetermined communication channel for registering the cancellation limit setting information, and setting the payment limit for canceling the payment immediately. When requesting registration (1900), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the cancellation limit setting information (1905), and generates (or extracts) through the communication channel. In operation 1910, the webpage is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) cancellation limit setting information including at least one of the customer information, merchant information, payment account information, and cancellation limit information in the terminal. It is preferable to comprise.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the cancellation limit setting information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) cancellation limit setting information including at least one or more pieces of customer information, merchant information, payment account information, and cancellation limit information through the information registration interface (1915).

If the terminal enters (or selects) cancellation limit setting information including the customer information, merchant information, payment account information, and cancellation limit information through the information registration interface (1920), the terminal receives the communication channel. The input (or selected) the customer information, merchant information, payment account information, cancellation limit information is transmitted to the server (1925).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, merchant information, payment account information, and cancellation limit information to the server through the communication channel is input (or via the information registration interface). The method may further include transmitting the selected cancellation limit setting information to the server by digitally signing or encrypting it through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, merchant information, payment account information, and cancellation limit information through the communication channel to confirm the validity of the cancellation limit setting information (1930).

According to an exemplary embodiment of the present invention, checking the validity of the cancellation limit setting information may include decrypting the cancellation limit setting information when the cancellation limit setting information is electronically signed or encrypted through a security module provided in the terminal. Or decoding the cancellation limit setting information.

According to an exemplary embodiment of the present invention, the validity check of the cancellation limit setting information includes whether at least one ledger information matching the cancellation limit setting information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the cancellation limit setting information includes checking whether the customer information included in the cancellation limit setting information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity check of the cancellation limit setting information is to check whether the payment account information included in the cancellation limit setting information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to comprise.

If the validity of the cancellation limit setting information is not authenticated (1935), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1940) and corresponds to the cancellation limit setting information. Do not perform the information registration procedure.

On the other hand, if the validity of the cancellation limit setting information is authenticated (1935), the server performs the information registration procedure corresponding to the cancellation limit setting information, thereby linking the customer information, merchant information, payment account information, cancellation limit information. The data is stored in a predetermined storage medium 1530 (1945).

According to one embodiment of the invention, the storage medium 1530 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1530 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1530 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1950), thereby completing the procedure of registering the cancellation limit setting information transmitted from the terminal.

20A and 20B are views illustrating a process of registering cancellation limit setting information in a non-face-to-face manner in order to set a payment limit cancellation limit for a merchant immediately according to another exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B illustrate that when the information registration system illustrated in FIG. 15 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal may be a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal transmits predetermined cancellation limit setting information for setting a payment cancellation limit for the merchant immediately to the Internet banking server. When the cancellation limit setting information including information, merchant information, payment account information, cancellation limit information is transmitted, the customer information, merchant information, payment included in the received cancellation limit setting information is received from the information registration server 1500. The present invention relates to an implementation method of linking account information and cancellation limit information to a predetermined storage medium 1530. For those of ordinary skill in the art to which the present invention pertains, various implementations of registering the cancellation limit setting information from the client terminal to the information registration server 1500 by referring to or modifying the drawings 20a and 20b. 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 FIGS. 20A and 20B.

That is, in FIG. 20A and FIG. 20B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. FIG. 20 illustrates an implementation method of connecting an internet banking-based financial transaction channel for registering cancellation limit setting information between the client terminal and the internet banking server, the present invention may be applied to those skilled in the art. And setting a cancellation limit between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 20b. Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registration, the present invention includes a provided internet banking-based financial transaction based on the internet banking program, whereby the present invention is limited. Not.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 20a and 20b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering cancellation limit setting information may be inferred. However, the present invention may provide a method for the telebanking system or a wireless banking system. It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is limited to the case of Internet banking shown in FIGS. 20A and 20B. Is never.

20A and 20B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the information registration server 1500 is referred to as a "server" for convenience.

20A and 20B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2000a), the server communicates between the terminal and the server through the browser. (2005a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided to the terminal and transmitted to the terminal, and the browser provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2010a).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby the internet banking program (or internet banking). Whether to update the security module associated with the program) can be checked.

If a predetermined security module is mounted or updated in the terminal (2015a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2020a.

If the terminal does not need to install or update the latest version of the security module for internet banking (2025a), or if the terminal does not need to install or update the security module for internet banking (2015a), the server is mounted on the terminal. By activating the security module for internet banking, the security channel for internet banking is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a security channel) (2030a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Denotes a communication channel for decoding the information (or data) by a predetermined decoding method (or decryption algorithm), and is defined in the information (or data) to be provided to the server for registering the cancellation limit setting information in the terminal. When the digital signature is attached or is encrypted and transmitted using at least one encryption method (or encryption algorithm), the server may verify the digital signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm). (Or a decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of cancellation limit setting information in the terminal. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2035a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (2040a). The server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (2045a).

If the Internet banking customer authentication fails (2050a), the server blocks the Internet banking security channel for the terminal (2055a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2050a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (2060a), where the Internet banking-based The financial transaction channel refers to a communication channel in which the terminal transmits and registers predetermined cancellation limit setting information for setting the payment limit cancellation limit immediately for the merchant to the server.

Subsequently, when the terminal requests internet banking based cancellation limit setting information registration to the server through the inter-banking based financial transaction channel for registration of cancellation limit setting information (2000b), the server registers the cancellation limit setting information. Generate (or extract) a web page corresponding to a predetermined information registration interface (2005b), and transmit and output the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel (2010b). ).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) cancellation limit setting information including at least one of customer information, merchant information, payment account information, and cancellation limit information in the terminal. Preferably, or a predetermined password (e.g., account password, etc.) or security code (e.g., Internet banking) to confirm the validity of the Internet banking customer requesting registration of the cancellation limit setting information or the cancellation limit setting information. The security code printed on the security card issued to the customer during the application process or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application). The interface for inputting a one-time password generated through the program) This is preferred.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the cancellation limit setting information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) cancellation limit setting information including at least one of the customer information, merchant information, payment account information, and cancellation limit information through the information registration interface (2015b).

If the terminal enters (or selects) cancellation limit setting information including the customer information, merchant information, payment account information, and cancellation limit information through the information registration interface (2020b), the terminal selects the financial transaction channel. The input (or selected) cancellation limit setting information is transmitted to the server through 2025b.

According to the method of the present invention, transmitting the input (or selected) cancellation limit setting information to the server through the financial transaction channel, the cancellation limit setting information input (or selected) through the information registration interface. It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the cancellation limit setting information through the financial transaction channel to confirm the validity of the cancellation limit setting information (2030b).

According to an exemplary embodiment of the present invention, checking the validity of the cancellation limit setting information may include decrypting the cancellation limit setting information when the cancellation limit setting information is electronically signed or encrypted through a security module provided in the terminal. Or decoding the cancellation limit setting information.

In addition, it is preferable that the validity check of the cancellation limit setting information further comprises authenticating a password or a security code or an OTP included in the cancellation limit setting information.

According to an exemplary embodiment of the present invention, the validity check of the cancellation limit setting information includes whether at least one ledger information matching the cancellation limit setting information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the cancellation limit setting information includes checking whether the customer information included in the cancellation limit setting information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity of the cancellation limit setting information is to confirm whether the payment account information included in the cancellation limit setting information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to comprise.

If the validity of the cancellation limit setting information is not authenticated (2035b), the server generates a web page including predetermined cancellation limit setting information registration error information and transmits it to the terminal (2040b), and sets the cancellation limit. Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the cancellation limit setting information is authenticated (2035b), the server performs an information registration procedure corresponding to the cancellation limit setting information, so that the customer information, merchant information, and payment account included in the cancellation limit setting information. The information and the cancellation limit information are cooperatively stored and stored in the predetermined storage medium 1530 (2045b).

According to one embodiment of the invention, the storage medium 1530 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1530 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1530 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined cancellation limit setting information registration history information and transmits the generated webpage to the terminal (2050b), thereby completing registration of the cancellation limit setting information transmitted from the terminal.

21 is a diagram illustrating a non-face-to-face information registration system for canceling payment approval according to an embodiment of the present invention.

In more detail, Figure 21 is a payment including at least one merchant number, terminal number, payment approval number, slip number to cancel payment approval to the information registration system through a predetermined information registration interface for payment made at a predetermined merchant When providing the request for canceling approval information, the affiliated store number, terminal number, payment approval number, and slip number included in the provided payment approval cancellation request information are stored in a predetermined storage medium in the information registration system, and the stored information is stored. As a system configuration for providing payment cancellation request information to a Bansa server, those skilled in the art to which the present invention pertains, refer to or modify this figure 21 in the information registration system configuration for payment approval cancellation Various implementation methods may be inferred, but the present invention is inferred from the above. Includes all exemplary method, it shall not be limited to the exemplary method shown in the figure 21.

Hereinafter, on the information registration system shown in FIG. 21, at least one component or function corresponding to the functional configuration for storing payment cancellation request information provided from the customer on the storage medium through a predetermined information registration interface. For convenience, it is referred to as "information registration server 2100".

Referring to FIG. 21 according to the embodiment of the present invention, the information registration system for canceling payment approval may include a client terminal including at least one wired terminal or a wireless terminal (used by a merchant employee or owner) used at an affiliated store. It characterized in that it comprises an information registration terminal including at least one, wherein the information registration terminal is connected to the communication channel and the information registration server 2100 provided on the information registration system through a predetermined network means.

According to one embodiment of the present invention, the affiliated store connects to the information registration server 2100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When the payment authorization cancellation request information for the payment authorization cancellation is input (or selected) through at least one user interface provided by the registration server 2100, the client terminal may access the information registration system through a predetermined network means. It is preferable to transmit to the provided information registration server 2100.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

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

In addition, the information registration server 2100 connected to the client terminal is either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 2100 may be a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the information registration server 2100, input or select at least one information through the user interface, and transmit the same to the information registration server 2100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 2100, etc.) is provided.

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

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the affiliated store, and at least one wired communication network or a wireless communication network connecting the client terminal and the information registration server 2100. The merchant performs a function of an information registration interface for registering payment approval cancellation request information for the payment approval cancellation.

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) connect the information registration server 2100. The wired telephone network or the wireless telephone network performs a function of an information registration interface for the customer to register the payment approval cancellation request information for canceling the payment approval, or a terminal provided in an institution affiliated with the financial institution that is the information registration terminal. (Or a server) (not shown), the network that connects the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 2100 is the merchant affiliated with the payment. It performs a function of an information registration interface for registering the payment approval cancellation request information for approval cancellation.

The storage medium provided on the information registration system according to the present invention is linked to the affiliate store number, terminal number, payment approval number, slip number included in the payment approval cancellation request information provided from the information registration terminal predetermined Characterized in the storage medium, payment authorization cancellation request information including at least one of the merchant number, terminal number, payment approval number, slip number stored in the storage medium is used for the cancellation of payment approval.

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

The information registration server 2100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 2100 is characterized in that it comprises an interface unit 2105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2105 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 2100 (eg, an internet banking program), the interface unit 2105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2105 is based on the protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 2100, the interface unit 2105 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 2105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 21, the information registration server 2100 connects a communication channel with the information registration server 2100 through the interface unit 2105 and then connects with the interface unit 2105. An interface provider 2110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined payment approval cancellation request information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 2115 for receiving predetermined payment approval cancellation request information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 2105; Sending the payment authorization cancellation request information including the affiliated store number, terminal number, payment approval number, and slip number included in the request information to the corresponding bansa server. An information storage unit 2125 and an information storage unit 2125 for storing a predetermined storage medium by interworking the affiliate store number, terminal number, payment approval number, and slip number included in the received payment approval cancellation request information; It is characterized by comprising.

The interface providing unit 2110 connects a communication channel with the information registration server 2100 through the interface unit 2105 through the interface unit 2105, and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) payment approval cancellation request information to the information registration server 2100 via the network means, or extracting from a predetermined database (not shown), and extracting the interface. In operation 2105, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) payment approval cancellation request information including at least one of the affiliate store number, the terminal number, the payment approval number, and the slip number based on the user interface. The payment approval cancellation request information is transmitted to the information registration server 2100 through the network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 2110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2105.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2110 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 2110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS-based user interface) to the call terminal (not shown) through the interface unit 2105. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the payment approval cancellation request information to the information registration terminal and transmitting the information to the information registration server 2100 through the network means. If the information registration program is provided, the interface providing unit 2110 for providing the user interface to the information registration terminal may be omitted, thereby the present invention is not limited.

The information receiving unit 2115 inputs (or selects) payment approval cancellation request information including at least one of a merchant number, a terminal number, a payment approval number, and a slip number through the user interface at the information registration terminal. When transmitting through, it is characterized in that for receiving the payment approval cancellation request information in conjunction with the interface unit 2105, and provides the received payment approval cancellation request information to the validity confirmation unit 2120.

The validity confirming unit 2120 checks whether the payment cancellation cancellation request information received from the information registration terminal satisfies the validity for cancellation of payment approval.

According to an embodiment of the present invention, the validity confirmation of the payment approval cancellation request information includes registering at least one or more information matching the payment approval cancellation request information on payment approval D / B on the payment system associated with the information registration system. It is preferable to include checking whether it is done.

For example, the validity check on the payment approval cancellation request information may include checking whether the payment approval number included in the payment approval cancellation request information matches the payment approval number stored in the payment approval D / B.

When the validity of the payment approval cancellation request information is confirmed, the information transmitter 2130 transmits the payment approval cancellation request information including the affiliated store number, terminal number, payment approval number, and slip number to the bansa server. It is done.

Here, the payment approval cancellation request information is configured to further include the Bansa information, or to transmit the payment approval cancellation request information to the bansa server, or the payment approval number and bansa information is stored in association with the payment approval D / B. It is possible to configure as possible.

The information storage unit 2125 is characterized in that the processing information associated with the merchant number, terminal number, payment approval number, the document number included in the payment authorization cancellation request information stored in the storage medium, the storage medium is the information When provided in the registration server 2100 or on the network associated with the information registration server 2100, the information storage unit 2125 is the merchant number, terminal number included in the received payment approval cancellation request information It is preferable to store the payment approval number and the document number in the storage medium in a linked process.

22 is a diagram illustrating a process of registering payment approval cancellation request information from a merchant to a payment approval institution for canceling payment approval according to an embodiment of the present invention.

In more detail, FIG. 22 shows a case where the information registration server 2100 on the information registration system shown in FIG. 21 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 2100 and connecting a communication channel for information registration according to the present invention, the merchant number, terminal number, payment approval number, slip number to the information registration server 2100 through the communication channel When the payment approval cancellation request information including the transmission, the information registration server 2100 to transmit the merchant number, terminal number, payment approval number, slip number included in the received payment approval cancellation request information to the bansa server As to those skilled in the art to which the present invention pertains, reference to or modification of this drawing 22 Various implementation methods of transmitting the payment approval cancellation request information transmitted from the client terminal to the information registration server 2100 to the bansa server may be inferred, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 22, the client terminal shown in FIG. 21 is referred to as "terminal" for convenience, and the information registration server 2100 shown in FIG. 21 is called "server" for convenience, and the information registration is performed in the client terminal. The merchant number, terminal number, payment approval number, and slip number transmitted to the server 2100 are referred to as "payment cancellation cancellation request information" for convenience.

Referring to Figure 22, the client terminal shown in Figure 21 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the payment cancellation request information by accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), and registering the payment cancellation request information for cancellation of the payment approval. Upon request (2200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the payment cancellation request information (2205), and generates (or extracts) through the communication channel. The transmitted web page is transmitted to the terminal and output (2210).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) payment approval cancellation request information including at least one of the affiliate store number, the terminal number, the payment approval number, and the slip number. It is preferable to comprise.

In addition, the web page transmission or output process is preferably performed at least once according to the payment approval cancellation request information registration procedure, thereby not limited to the present invention.

Thereafter, the terminal inputs (or selects) payment approval cancellation request information including at least one affiliate store number, terminal number, payment approval number, and slip number through the information registration interface (2215).

If the terminal receives (or selects) payment approval cancellation request information including the affiliated store number, terminal number, payment approval number, and slip number through the information registration interface (2220), the terminal receives the communication channel. The inputted (or selected) merchant number, terminal number, payment approval number, slip number is transmitted to the server (2225).

According to an embodiment of the present invention, transmitting the input (or selected) affiliated store number, terminal number, payment approval number, and slip number to the server through the communication channel is input (or selected) through the information registration interface. The payment approval cancellation request information may be further included by transmitting the digital signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the affiliate store number, the terminal number, the payment approval number, and the slip number through the communication channel to confirm the validity of the payment cancellation cancellation request information (2230).

According to an embodiment of the present invention, confirming the validity of the payment approval cancellation request information may include requesting the payment approval cancellation request when the payment approval cancellation request information is electronically signed or encrypted through a security module provided in the terminal. Decrypting the information, or may further comprise decoding the payment authorization cancellation request information.

According to an embodiment of the present invention, the validity confirmation of the payment approval cancellation request information includes registering at least one or more information matching the payment approval cancellation request information on payment approval D / B on the payment system associated with the information registration system. It is preferable to include checking whether it is done.

For example, the validity check on the payment approval cancellation request information may include checking whether the payment approval number included in the payment approval cancellation request information matches the payment approval number stored in the payment approval D / B.

If the validity of the payment approval cancellation request information is not authenticated (2235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2240), and the payment approval cancellation request information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the payment authorization cancellation request information is authenticated (2235), the server performs the information registration procedure corresponding to the payment authorization cancellation request information, so that the merchant number, terminal number, payment approval number, slip number The linkage process stores the data in a predetermined storage medium (2245).

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system).

In operation 2250, the server transmits payment approval cancellation request information including the affiliated store number, terminal number, payment approval number, and slip number to the bansa server.

Here, the payment approval cancellation request information is configured to further include the Bansa information, or to transmit the payment approval cancellation request information to the bansa server, or the payment approval number and bansa information is stored in association with the payment approval D / B. It is possible to configure as possible.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2255), thereby completing the procedure of registering the payment cancellation request information transmitted from the terminal.

FIG. 23 is a diagram illustrating a configuration of an affiliated store instant payment system in which a payment approval cancellation limit is set according to an exemplary embodiment of the present invention.

More specifically, FIG. 23 is shown after opening a payment account for which a payment cancellation limit is set for immediate payment of a merchant through an account opening system shown in FIG. 1 or FIG. 6, or through FIG. 10 or FIG. 15. After the registration of the merchant payment account and the payment cancellation limit for the payment of the payment amount is registered, the system for instant payment processing for the payment occurring at the merchant and the processing of the payment cancellation limit restriction processing according to the set payment cancellation limit For those of ordinary skill in the art to which the present invention pertains, the payment approval is canceled according to the instant payment processing and the set payment cancellation limit for the payment occurring in the affiliated store by referring to or modifying the drawing 23. It would be possible to infer various implementations of the system configuration for the limit restriction processing. The present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 23.

Referring to FIG. 23 according to an exemplary embodiment of the present invention, the immediate payment system includes an affiliated store terminal 2315 provided in an affiliated store that has set the payment authorization cancellation limit, and a settlement approval corresponding to a settlement activity occurring at the affiliated store. Bansa server 2300 for receiving the request message, and confirms the card company information corresponding to the received payment approval request message, and forwards the payment approval request message to the confirmed card company server 2305, and the bansa server When the payment approval request message is transmitted from 2300, the payment approval request message is read, and the merchant information included in the payment approval request message is checked, and when the confirmed merchant information is the payment target merchant immediately, the affiliate store It is characterized in that it comprises a card company server (2305) for processing the payment immediately to the payment price payment account.

In particular, the immediate payment system, the merchant terminal 2315 to generate the payment approval cancellation request message to the bansa server 2300 through the communication network, and the payment approval cancellation request message transmitted from the merchant terminal 2315 corresponding card company Check the bansa server 2300 to be transmitted to the server 2305 and the merchant information (or merchant terminal terminal 2315 information) included in the full payment approval cancellation request message sent from the bansa server 2300, and confirmed the merchant Check the payment amount of the approval cancellation limit information corresponding to the information (or information of the merchant terminal 2315) from the storage medium, and determine whether the amount of approval cancellation included in the payment cancellation request request text satisfies the approval cancellation limit information. As a result of the determination, if the authorization cancellation limit is exceeded, the card company server 2305, which does not process the payment approval cancellation request corresponding to the full payment approval cancellation request message, is included. Characterized in that eojineun.

According to another exemplary embodiment of the present invention, the immediate payment system receives an affiliated store terminal 2315 provided in an affiliated store that has set the payment authorization cancellation limit, and a payment approval request message corresponding to a settlement action occurring at the affiliated store. And read the payment approval request text and confirm the merchant information and the card company information corresponding to the payment approval request text, and if the merchant is an immediate merchant to be paid, the payment is immediately made to the confirmed card company server 2305. When the Bansa server 2300 for delivering the payment approval request for the full and the payment approval request for the immediate payment from the bansa server 2300 is delivered, the payment processing is immediately deposited to the merchant payment billing account. It characterized in that it comprises a card company server 2305 to be.

Particularly, the immediate payment system includes a merchant terminal 2315 for generating a payment approval cancellation request message and transmitting it to the bansa server 2300 through a communication network, and the payment approval cancellation request message transmitted from the merchant terminal 2315. Confirm merchant information (or merchant terminal 2315 information), and confirm payment settlement approval cancellation limit information corresponding to the confirmed merchant information (or merchant terminal 2315 information) from a storage medium, and request the payment approval cancellation Determining whether the amount of approval cancellation included in the full text satisfies the information on the approval cancellation limit, and when the determination result is greater than the approval cancellation limit, the payment authorization cancellation response message including the payment approval cancellation request disapproval details is included in the merchant terminal. A bansa document which transmits the full payment approval cancellation request message to the card company server 2305 when it is satisfied with the limit of the cancellation of authorization. 2300, and when the payment approval cancellation request message is received from the bansa server 2300, a card company server 2305 for performing the payment approval cancellation processing corresponding to the received payment approval cancellation request message. It features.

According to another exemplary embodiment of the present invention, the immediate payment system receives a payment authorization cancellation request information transmitted from the affiliated wired or wireless terminal for requesting payment approval cancellation, the affiliated store terminal 2315 as shown in FIG. 21, Check the card company server 2305 for transmitting the payment approval cancellation request information to the corresponding bansa, and the merchant information (or merchant terminal terminal 2315 information) included in the payment approval cancellation request information transmitted from the card company server 2305. And confirming the payment amount approval cancellation limit information corresponding to the confirmed merchant information (or the merchant terminal 2315 information) from a storage medium, and the amount of approval cancellation included in the payment approval cancellation request message is the approval cancellation limit information. If it is determined that the satisfies the result, and the result of the determination exceeds the limit of cancellation of approval, the card company server 230 shows the details of the unauthorized payment cancellation request. 5) or comprises a Bansa server 2300 to be delivered to the merchant terminal 2315.

FIG. 24 is a view illustrating a configuration of a bansa server 2300 and a card company server 2305 on an affiliated payment system in which payment settlement cancellation limits are set according to an embodiment of the present invention.

In more detail, the drawing 24 receives a payment approval request message corresponding to a payment act occurring at the merchant on the merchant instant payment system in which the payment approval cancellation limit shown in FIG. 23 is set, and receives the payment approval request message. Checking the corresponding card company information, if the functional configuration of the Bansa server 2300 for delivering the payment approval request message to the confirmed card company server 2305 and the payment approval request message from the bansa server 2300, the Read the payment approval request text, and confirm the merchant information included in the payment approval request text, and if the confirmed merchant information is a payment target merchant immediately, to process the payment payment to the merchant payment payment account immediately; As shown in the functional configuration of the card company server 2305, the general knowledge in the technical field to which the present invention belongs If it is a pendulum, the bansa server (2300) configuration and card company server for the instant payment processing and payment cancellation limit limit processing according to the set payment approval cancellation limit for the payment occurring in the merchant by referring to or modifying this drawing 24 Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 24, the illustrated bansa server 2300 immediately receives a specialized payment unit 2400 for receiving a payment approval request message transmitted from an affiliated store terminal 2315 provided in an affiliated store that has set a payment approval cancellation limit. And a professional processing unit for transmitting the payment approval request message to the card company server 2305 corresponding to the information confirmation unit 2405 for confirming the payment card information included in the payment approval request message and the confirmed payment card information ( 2410) and when a payment approval response corresponding to the payment approval request message is received from the card company server 2305, a message for transmitting a payment approval response message including the payment approval response to the affiliated store terminal 2315. It is characterized by comprising a transmission unit 2415.

According to the present invention, the specialized receiver 2400 further receives a payment approval cancellation request message transmitted from the affiliated store terminal 2315 provided in the affiliated store that has set a payment approval cancellation limit among the immediate payment affiliated stores. The received payment approval cancellation request message is provided to the information confirming unit 2405.

The information confirming unit 2405 reads the payment approval cancellation request message received through the information receiving unit, and confirms the payment card information included in the payment approval cancellation request message. The confirmed payment card information Is provided to the specialized processor 2410.

The specialized processing unit 2410 is characterized in that for transmitting the payment approval cancellation request message to the card company server 2305 corresponding to the payment card information confirmed through the information confirming unit 2405.

On the other hand, the illustrated card company server 2305 is a professional receiving unit 2420 for receiving the payment approval request message transmitted from the bansa server 2300, and read the received payment approval request message, to the payment approval request message A professional reader 2425 for checking the merchant information included, an affiliated store identification unit 2430 for determining whether the identified merchant information is an immediate payment target merchant, and the merchant payment price when the affiliated merchant is an immediate payment target merchant It is characterized in that it comprises an information processing unit (2435) for depositing the payment immediately to the payment account.

Here, the specialized receiver 2420 may receive a payment approval cancellation request message transmitted from the bansa server 2300, and the received payment approval cancellation request message may be provided to the expert reading unit 2425.

The specialized reading unit 2425 reads the payment approval cancellation request message transmitted from the bansa server 2300, and includes merchant information (or merchant terminal 2315 information) and cancellation amount information included in the payment approval cancellation request message. It is characterized in that, and the confirmed merchant information (or merchant terminal 2315 information) and cancellation amount information is provided to the limit check unit 2440.

The limit checking unit 2440 checks the payment price approval cancellation limit information corresponding to the merchant information (or the merchant terminal 2315 information) confirmed through the specialized reading unit 2425 from the storage medium 2445. It is characterized in that it is determined whether the amount of approval cancellation included in the payment approval cancellation request text satisfies the approval cancellation limit information, and the determination result is provided to the information processing unit 2435.

The information processing unit 2435 may approve the payment approval cancellation request corresponding to the full payment approval cancellation request message when the payment approval cancellation amount exceeds the approval cancellation limit according to the determination result of the limit confirmation unit 2440. On the other hand, if the payment approval cancellation amount satisfies the approval cancellation limit, it is characterized in that for performing the payment approval cancellation processing corresponding to the full payment approval cancellation request.

FIG. 25 is a view illustrating a process for promptly paying and canceling an affiliated store in which a payment approval cancellation limit is set according to an exemplary embodiment of the present invention.

In more detail, FIG. 25 is based on the account opening system shown in FIG. 1 or FIG. 6, after opening a payment account for which a payment authorization cancellation limit is set for immediate payment of a merchant, or through FIG. 10 or FIG. After the merchant payment account and the payment approval cancellation limit are registered for the payment, the process of performing the transfer payment immediately for the payment occurring at the merchant and the payment cancellation limit restriction processing according to the set payment cancellation limit. For those of ordinary skill in the art to which the present invention pertains, the payment approval is canceled according to the instant payment processing and the set payment cancellation limit for the payment occurring in the affiliated store by referring to or modifying the drawing 25. Although various implementation methods for limit restriction processing may be inferred, the present invention is inferred from the above. Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 25.

Referring to FIG. 25, when a terminal generates a payment approval request message and transmits it to a bansa server 2300 through a communication network (2500), the bansa server 2300 reads the payment approval request message transmitted from the terminal. The card company information corresponding to the payment card is checked (2505).

The bansa server 2300 transmits the payment approval request message to the confirmed card company server 2305 (2510), and the card company server 2305 receives the payment approval request message received from the bansa server 2300. It reads and confirms merchant information (2515).

Then, the card company server 2305 checks whether the identified merchant is a payment target merchant immediately (2520), and if the merchant is not a payment merchant immediately payment (2525), according to the conventional payment payment process of payment Deposit processing is performed (2530).

On the other hand, if the affiliated merchant is a payment target merchant immediately (2525), the card company server 2305 checks the payment account payment account of the merchant, and immediately deposits the payment (2535).

Thereafter, when the payment approval cancellation request message is received from the terminal (2540), the bansa server 2300 provides the payment approval cancellation request message received from the terminal to the card company server 2305 (2545).

Then, the card company server 2305 reads the received payment approval cancellation request text to confirm the payment approval cancellation amount and cancellation request merchant information (2550), and cancel the payment price approval corresponding to the confirmed cancellation request merchant information. The limit information is checked from the storage medium 2445 (2555).

In addition, the card company server 2305 determines whether the payment authorization cancellation amount corresponds to the confirmed payment authorization cancellation limit information (2560), and if the payment authorization cancellation amount is included in the confirmed payment authorization approval limit information. If it does not match (2565), the card company server 2305 generates a response message containing the details of the cancellation of payment authorization and transmits to the bansa server (2300) (2570).

On the other hand, if the payment authorization cancellation amount is matched with the confirmed payment price authorization cancellation limit information, the card company server 2305 performs the payment authorization cancellation process (2575).

FIG. 26 is a diagram illustrating a configuration of a bansa server 2300 and a card company server 2305 on an affiliated payment system in which a payment cancellation limit is set according to another embodiment of the present invention.

More specifically, FIG. 26 receives a payment approval request message corresponding to a payment activity occurring at the affiliate store on the merchant instant payment system in which the payment approval cancellation limit shown in FIG. 23 is set, and receives the received payment approval request message. After reading and confirming the merchant information and the card company information corresponding to the payment approval request text, if the merchant is a payment target merchant immediately, transfer the payment approval request text for the immediate payment to the confirmed card company server 2305. Card company server for the functional configuration of the bansa server 2300, and when the payment approval request for the immediate payment from the bansa server 2300 transfers the payment payment to the merchant payment account payment account immediately ( 2305) shows the functional configuration, if one of ordinary skill in the art to which the present invention belongs By referring to or modifying page 26, the Bansa server 2300 and the card company server 2305 for the instant transfer processing for the payments generated in the affiliated store and the processing for canceling the payment cancellation limit according to the set payment cancellation limit. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 26, the illustrated bansa server 2300 immediately receives a specialized payment unit 2600 for receiving a payment approval request message transmitted from an affiliated store terminal 2315 provided in an affiliated store that has set a payment approval cancellation limit. ), An information confirmation unit 2605 for confirming payment card information and affiliate store information included in the payment approval request text, and an affiliated store confirmation unit 2615 for confirming whether the confirmed affiliate store is a payment affiliate store immediately, and the affiliate store In the case of an immediate payment merchant, the payment approval from the specialized processor 2610 and the card company server 2305 which delivers the payment approval request message requesting the immediate payment to the card company server 2305 corresponding to the confirmed payment card information. When a payment approval response corresponding to the request message is received, a specialized transmission unit for transmitting the payment approval response message including the payment approval response details to the affiliated store terminal 2315. It is characterized by comprising (2620).

According to the present invention, the specialized receiving unit 2600 is characterized in that further receiving the payment approval cancellation request message sent from the merchant terminal 2315 provided in the merchant set the payment approval cancellation limit of the immediate payment merchants; The received payment approval cancellation request message is provided to the information confirming unit 2605.

The information checking unit 2605 reads the payment approval cancellation request message received through the information receiving unit, and confirms payment card information, merchant information and payment cancellation cancellation information included in the payment approval cancellation request message. The confirmed payment card information is provided to the specialized processor 2610, and the confirmed merchant information and payment authorization cancellation amount information are provided to the limit checker 2625.

The limit checking unit 2625 checks the payment authorization cancellation limit information corresponding to the merchant information (or the merchant terminal 2315 information) confirmed through the information checking unit 2605 from the storage medium 2645. It is characterized in that it is determined whether the amount of approval cancellation included in the payment approval cancellation request text satisfies the approval cancellation limit information, and the determination result is provided to the specialized processing unit 2610.

The specialized processing unit 2610 is characterized in that through the limit check unit (2625) transmits to the card company server (2305) the payment approval cancellation request message including the details of the approval cancellation limit.

On the other hand, the illustrated card company server 2305 is a professional receiving unit 2630 for receiving the payment approval request message for immediate payment transmitted from the bansa server 2300, and read the received payment approval request message, the payment It is characterized in that it comprises a specialized reading unit (2635) for confirming the merchant information included in the approval request full text, and the information processing unit (2640) to immediately process the payment payment to the merchant payment payment account.

Here, the specialized receiver 2630 is characterized in that for receiving the payment approval cancellation request message transmitted from the bansa server 2300, the received payment approval cancellation request statement is provided to the specialized reader 2635. .

The specialized reading unit 2635 reads the payment approval cancellation request message transmitted from the bansa server 2300, checks the details of the approval cancellation limit decision included in the payment approval cancellation request message, and determines the approval cancellation limit decision. Is provided to the information processing unit 2640.

The information processing unit 2640, according to the result of confirming the approval cancellation limit determination history of the expert reading unit 2635, when the payment approval cancellation amount exceeds the approval cancellation limit, the payment corresponding to the payment approval cancellation request message; If the approval cancellation request is not approved, but the payment cancellation cancellation amount satisfies the approval cancellation limit, the payment approval cancellation processing corresponding to the payment approval cancellation request message may be performed.

FIG. 27 is a view illustrating a process for promptly paying and canceling an affiliated store in which a payment approval cancellation limit is set according to another embodiment of the present invention.

More specifically, Figure 27 is after opening a payment account set for the payment authorization cancellation limit for the immediate payment of the merchant through the account opening system shown in Figure 1 or 6, or through the drawing 10 or 15 After the blind point payment account and the payment cancellation cancellation limit are registered for the payment, the process of performing the immediate payment transfer for the payment occurring at the affiliated store and the processing of the payment cancellation limit restriction according to the set payment cancellation limit. As an embodiment of the present invention, those skilled in the art to which the present invention pertains may refer to or modify this drawing 27 to immediately process payment for payments occurring in the affiliated store and to the set limit of payment approval cancellation. According to the present invention, various implementation methods may be inferred for the purpose of limiting the payment cancellation cancellation limit. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 27, when the terminal generates a payment approval request message and transmits it to the bansa server 2300 through a communication network (2700), the bansa server 2300 reads the payment approval request message transmitted from the terminal. The card company information and the affiliated store information corresponding to the payment card are checked (2705).

In addition, the bansa server 2300 checks whether the identified merchant is an immediate payment target affiliate store (2710), and if the affiliate is not an immediate payment target affiliate store (2715), the payment price according to the conventional payment payment process. Deposit processing is performed (2720).

On the other hand, if the affiliated merchant is the target payment immediately (2715), the bansa server 2300 transmits the payment approval request for the immediate payment to the card company server 2305 (2725).

The card company server 2305 reads the payment approval request text received from the bansa server 2300 to confirm the merchant information (2730), and checks the payment payment account of the merchant, and immediately deposits the payment price. (2735).

Subsequently, when the payment approval cancellation request message is received from the terminal (2740), the bansa server 2300 reads the payment approval cancellation request message received from the terminal to check the payment approval cancellation amount and cancellation request merchant information. In operation 2750, the payment price approval cancellation limit information corresponding to the confirmed cancellation request merchant information may be confirmed from the storage medium 2645 (2750).

In addition, the bansa server 2300 determines whether the payment authorization cancellation amount corresponds to the confirmed payment authorization approval limit information (2755), and if the payment authorization cancellation amount is determined in the confirmed payment authorization approval limit information. If it does not match (2760), the bansa server 2300 transmits to the card company server (2305) the payment approval cancellation request message including the details of the payment cancellation cancellation (2770).

On the other hand, if the payment approval cancellation amount is matched with the confirmed payment amount approval cancellation limit information, the bansa server (2300) transmits the payment approval cancellation request message including the limit compliance details to the card company server (2305) (2765) The card company server 2305 performs the payment approval cancellation process by referring to the limit matching details included in the payment cancellation cancellation request message (2775).

According to the present invention, the merchant can recover the payment quickly, there is an advantage that can be diversified cash flow.

In addition, by setting the sales cancellation limit, there is an advantage that can be prevented in advance damage to the cancellation caused by the merchant.

Claims (4)

Associating the payment target affiliate information and the payment cancellation limit information with the terminal information and payment account information immediately and storing them in a storage medium; Reading payment approval cancellation request text (or information) received from the affiliated store terminal, and confirming payment settlement cancellation request amount information and affiliated store (or affiliated store terminal) information; Extracting (or confirming) payment cancellation limit information of the affiliated store stored in the storage medium; Determining whether the payment authorization cancellation request amount corresponds to the extracted (or confirmed) merchant cancellation cancellation limit; And If the payment authorization cancellation request amount does not match the merchant payment cancellation limit, the step of not approving the payment authorization cancellation request; Merchant payment approval cancellation processing method comprising the. The method of claim 1, Opening a merchant-only account in which a payment cancellation limit amount is set; And affiliated processing the opened merchant-specific account information and affiliated store (or affiliated store terminal) information and storing them in a storage medium. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Information storage means for immediately processing the affiliated payment information and payment cancellation limit information including terminal information and payment account information, and storing the information in a storage medium; Information receiving means for receiving a full payment approval cancellation request from a merchant terminal (or bansa server); Information checking means for reading the received payment approval cancellation request text (or information) and confirming payment approval cancellation request amount information and affiliated store (or affiliated store terminal) information; Information extracting means for extracting payment cancellation limit information of the affiliated store stored in the storage medium; Information determination means for determining whether the payment approval cancellation request amount is matched with the extracted (or confirmed) payment cancellation limit of the affiliated store; And Merchant payment settlement cancellation processing system characterized in that it comprises a; information processing means that does not approve the payment authorization cancellation request, if the payment authorization cancellation request amount does not match the merchant payment cancellation limit.
KR1020080065744A 2008-07-07 2008-07-07 System and method for processing affiliated store's payment approval cancel and program recording medium KR20100005635A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020080065744A KR20100005635A (en) 2008-07-07 2008-07-07 System and method for processing affiliated store's payment approval cancel and program recording medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020080065744A KR20100005635A (en) 2008-07-07 2008-07-07 System and method for processing affiliated store's payment approval cancel and program recording medium

Publications (1)

Publication Number Publication Date
KR20100005635A true KR20100005635A (en) 2010-01-15

Family

ID=41814990

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020080065744A KR20100005635A (en) 2008-07-07 2008-07-07 System and method for processing affiliated store's payment approval cancel and program recording medium

Country Status (1)

Country Link
KR (1) KR20100005635A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222177A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method for providing card company integrated approval proxy service, and card company server performing same

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017222177A1 (en) * 2016-06-20 2017-12-28 비씨카드(주) Method for providing card company integrated approval proxy service, and card company server performing same

Similar Documents

Publication Publication Date Title
KR20100045059A (en) System and method for managing settlement account connected with plural affiliated store card&#39;s virtual account and recording medium
KR20100077574A (en) System and method for processing overseas remittance and program recording medium
KR101135553B1 (en) System and Method for Loan Service Linked with Financial Goods of Client and Program Recording Medium
KR20090001688A (en) System and method for financial transaction using phone number account and program recording medium
KR101093127B1 (en) Method for Establishing Import Finance Representation Limit
KR20100005635A (en) System and method for processing affiliated store&#39;s payment approval cancel and program recording medium
KR20090036039A (en) Method for balancing between cyber account and circulating account and program recording medium
KR100873346B1 (en) System and Method for Transferring Fund of Unopened Online Account and Program Recording Medium
KR100873350B1 (en) System and Method for Transferring Fund of Unopened Account and Program Recording Medium
KR101014678B1 (en) System and Method for Managing Financial Account using Remote Transaction Channel and Program Recording Medium
KR100876592B1 (en) How to process a beneficiary account transfer and record program
KR101093129B1 (en) System and Method for Settling Financial Related Contents Charge and Recording Medium
KR20090023444A (en) System for managing account
KR20090023449A (en) System for processing capital transfer approval with swift preamble
KR20090076858A (en) Method for financial transaction using phone number account
KR20090001869A (en) System and method for asset backed securitization investment process and program recording medium
KR20090001922A (en) System and method for judging auto-delaying of giving credit and program recording medium
KR20090021052A (en) System and method for processing funds and recording medium
KR20100045043A (en) System and method for managing plural settlement account connected with single affiliated store&#39;s card and recording medium
KR20090036614A (en) System and method for managing gift certificate account with loan agreement and program recording medium
KR20100027717A (en) System and method for taking intangible assets as security and program recording medium
KR20100045027A (en) System and method for managing single stock account connected with flural settlement way and recording medium
KR20100045051A (en) System and method for managing settlement account connected with plural check-card&#39;s virtual account and recording medium
KR20100045024A (en) System and method for managing single settlement account connected with flural settlement way and recording medium
KR20090020968A (en) System and method for transferring gift certificate account and program recording medium

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application
E601 Decision to refuse application