KR20100013763A - System and method for processing settlement by account relay and recording medium - Google Patents

Abstract

PURPOSE: A method for payment transaction through the account relay, and a system and a recording medium thereof are provided to proceed the cache base payment between the real account of the client name and tune account with the remote bridge. CONSTITUTION: The cooperation company information, and the customer account information and investment amount information are received from the account bridge system(920). The specialty for deposit to the fund use account of the account of customer amount of money. The account of customer is bridged with the customer account. Specialty is delivered to the account system. The transaction detail information is transmitted to the account bridge system(925).

Description

System and Method for Processing Settlement by Account Relay and Recording Medium}

1 is a diagram illustrating a configuration of an account bridge based cache payment system according to an embodiment of the present invention.

2 is a diagram illustrating an account registration system for account bridge based cache payment according to an embodiment of the present invention.

3 is a diagram illustrating a process of transmitting and receiving account registration information for a remote account bridge between an affiliate cache system and an account relay system according to an embodiment of the present invention.

4 is a diagram illustrating a remote account bridge process between an affiliate cache system and an account relay system according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a remote account bridge process between an affiliate cache system and an account relay system according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a remote account bridge based cache payment system between an affiliate cache system and an account system according to a first embodiment of the present invention.

7 is a diagram illustrating a remote account bridge-based cache payment request process between the affiliate cache system and the account system according to the first embodiment of the present invention.

FIG. 8 is a diagram illustrating a non-face transaction validity verification process for remote account bridge-based cache settlement between an affiliate cache system and an account system according to a first embodiment of the present invention.

9 is a diagram illustrating a remote account bridge based cache settlement process between an affiliate cache system and an account system according to the first embodiment of the present invention.

FIG. 10 illustrates a remote account bridge based reservation payment system between an affiliate cache system and an account system according to a first embodiment of the present invention.

FIG. 11 is a diagram illustrating a remote account bridge based reservation payment request process between an affiliate cache system and an account system according to a first embodiment of the present invention.

12 is a diagram illustrating a non-face-to-face transaction validity verification process for reservation settlement based on a remote account bridge between an affiliate cache system and an account system according to the first embodiment of the present invention.

13A and 13B are diagrams illustrating a cash payment process of a withdrawal payment method after a pre-booking through a remote account bridge between an affiliate cache system and an account system according to a first embodiment of the present invention.

14A and 14B are diagrams illustrating a cache settlement process of a reservation payment method after a prepayment through a remote account bridge between an affiliate cache system and an account system according to the first embodiment of the present invention.

FIG. 15 illustrates a remote account bridge based cache payment system between an account system and an affiliate cache system according to an embodiment of the present invention.

FIG. 16 illustrates a remote account bridge based cache settlement process between an account system and an affiliate cache system according to a first embodiment of the present invention.

FIG. 17 illustrates a remote account bridge based cache payment system between an affiliate cache system and an account system according to a second embodiment of the present invention.

18 is a diagram illustrating a remote account bridge-based cache payment request process between an affiliate cache system and an account system according to a second embodiment of the present invention.

19 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache settlement between an affiliate cache system and an account system according to a second embodiment of the present invention.

20 is a diagram illustrating a remote account bridge-based cache settlement process between an affiliate cache system and an account system according to a second embodiment of the present invention.

FIG. 21 is a diagram illustrating a remote account bridge-based reservation payment system between an affiliate cache system and an account system according to a second embodiment of the present invention.

FIG. 22 is a diagram illustrating a remote account bridge based reservation payment request process between an affiliate cache system and an account system according to a second embodiment of the present invention.

FIG. 23 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based reservation payment between an affiliate cache system and an account system according to a second embodiment of the present invention.

24A and 24B are diagrams illustrating a cash payment process of a withdrawal payment method after a pre-booking through a remote account bridge between an affiliate cache system and an account system according to a second embodiment of the present invention.

25A and 25B are diagrams illustrating a cache settlement process of a reservation payment method after a prepayment through a remote account bridge between an affiliate cache system and an account system according to a second embodiment of the present invention.

FIG. 26 illustrates a remote account bridge based cache payment system between an account system and an affiliate cache system according to a second embodiment of the present invention.

FIG. 27 illustrates a remote account bridge based cache settlement process between an account system and an affiliate cache system according to a second embodiment of the present invention.

FIG. 28 illustrates a remote account bridge based cache payment system between an affiliate cache system and an account system according to a third embodiment of the present invention.

FIG. 29 is a diagram illustrating a remote account bridge-based cache payment request process between an affiliate cache system and an account system according to a third embodiment of the present invention.

30 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache payment between an affiliate cache system and an account system according to a third embodiment of the present invention.

FIG. 31 is a diagram illustrating a remote account bridge based cache settlement process between an affiliate cache system and an account system according to a third embodiment of the present invention.

32 is a diagram illustrating a remote account bridge based reservation payment system between an affiliate cache system and an account system according to a third embodiment of the present invention.

33 is a diagram illustrating a remote account bridge-based reservation payment request process between an affiliate cache system and an account system according to a third embodiment of the present invention.

FIG. 34 is a view illustrating a process of validating a non-face-to-face transaction for cache settlement based on a remote account bridge between an affiliate cache system and an account system according to a third embodiment of the present invention.

35A and 35B illustrate a cash payment process of a withdrawal payment method after a pre-booking through a remote account bridge between an affiliate cache system and an account system according to a third embodiment of the present invention.

36A and 36B illustrate a cash payment process of a reservation payment method after a prepayment through a remote account bridge between an affiliate cache system and an account system according to a third embodiment of the present invention.

FIG. 37 illustrates a remote account bridge based cache payment system between an account system and an affiliate cache system according to a third embodiment of the present invention.

FIG. 38 illustrates a remote account bridge based cache settlement process between an account system and an affiliate cache system according to a third embodiment of the present invention.

<Description of main parts of drawing>

100: affiliate server 105: affiliate cache system

110: account bridge system 115: gateway

120: account relay system 125: accounting system

130: customer terminal

The present invention provides an accounting system of a financial company that opens and operates a fund management account under one or more client accounts and affiliate names, and an affiliate cash system that manages funds deposited in the fund management account through one or more client accounts (or a cash management account). Payment requested through the customer account (or cache operating account) through an account bridge system for remotely bridging the customer account (or cache operating account) and the customer account in association with the system and the affiliate cache system. In the method for relaying the payment to the customer account (Relay) to the payment process, if the customer terminal requests payment through one or more affiliate cache system, from the account bridge system and the affiliate information and customer account (or cash management account) information And the amount to be withdrawn from the customer account bridged with the customer account (or cash management account). Receiving a report, generating a telegram to withdraw (or transfer) the amount from the client account bridged with the client account (or a cash management account) to the fund management account; Transmitting to the account system, generating transaction history information corresponding to the preamble in association with the account system, and transmitting the transaction history information to the account bridge system. It is about.

With the continued development of information and communication technology, the economic activity of online has become commonplace, and websites requiring online payment service have a payment platform that provides card payment and wire transfer payment, or a payment agency's payment platform. Although the lease is used, the card payment and bank transfer payment service includes a problem of providing a fee (or a predetermined amount) of a payment amount to a payment issuer or a payment agent.

Therefore, in case of some large websites requiring large payment service, in addition to the payment platform that provides the card payment and bank transfer payment, a certain amount is charged and the payment is made within the payment limit without additional fees. It operates with a rechargeable payment means that provides services.

Here, the most common form of the rechargeable payment means is that when a customer deposits a deposit in a fund management account of a website operator, the website operator deposits the funds in the fund management account in a database associated with the website. After depositing a cash or cyber money corresponding to the customer's reimbursement of the amount in a cash account (or a customer account) of the customer's name, the cash account (or a customer account) is charged. It includes its own cache system that provides payment services on the website through a cache (or cyber money).

The self-cache system has advantages of saving fees and securing funds in advance for the website operator, but the use of the cache filled in the own cache system is limited to the use of only the website and payment. It is not activated due to the inconvenience of having to recharge the cache account (or customer account) of the cache system beforehand.

In particular, the inconvenience of the pre-charge for the pre-payment in the cache system itself, rather than the payment for the charge (for example, credit card payment, bank transfer, etc.) from the customer's point of view, rather than payment for purchase Not only is the perception of doing so, but there is also a widespread rejection of pre-charging their own funds, which may be used at any time in the cache system itself.

Of course, recently, a portion of the profits from the fee reduction through the own cache system is refunded to the customer, and the customer is strongly encouraged to use the own cache system rather than other payment methods. There are still some difficult problems to deal with.

An object of the present invention for solving the above problems, the account management system of the financial company that opens and operates one or more customer accounts and the funds management account of the affiliate name, and the money management account through one or more customer accounts (or cash management account) The customer account (or through an affiliate cache system for managing funds deposited in the bank) and an account bridge system for remotely bridging the client account (or cache operating account) and the client account in association with the affiliate cache system. A system for processing a payment by relaying a payment requested through a cash management account) to the customer account. When a payment request is made through at least one affiliate cache system in a client terminal, the affiliate information and the affiliate information are transmitted from the account bridge system. Customer account (or cached account) information and the client account (or cached account) Information receiving means for receiving information on the amount of money to be withdrawn from the bridged customer account, and a full text to withdraw (or transfer) the amount from the customer account (or cash management account) and the bridged customer account to the fund management account Full text generating means for generating, transaction processing means for delivering the generated full text to the account system, history generating means for generating transaction history information corresponding to the full text in association with the account system and the account bridge system It is to provide a payment processing system through an account relay including a history transmission means for transmitting transaction details information.

An accounting system of a financial institution that opens and operates a fund management account under one or more client accounts and affiliate names according to the present invention, and an affiliate operating the funds deposited in the fund management account through one or more customer accounts (or a cash management account). A request made through the client account (or cache operating account) through a cache system and an account bridge system that remotely bridges the client account (or cache operating account) and the client account in association with the affiliate cache system. The method of relaying a payment to the customer account and processing the payment may include requesting payment through at least one affiliate cash system from the client terminal, and the affiliate information and the customer account (or cache operating account) information from the account bridge system. And an amount to be withdrawn from the customer account bridged with the customer account (or cash management account). Receiving a report, generating a telegram to withdraw (or transfer) the amount from the client account bridged with the client account (or a cash management account) to the fund management account; And transmitting the transaction history information to the account bridge system, generating transaction history information corresponding to the full text, and transmitting the transaction history information to the account bridge system.

On the other hand, operating the funds deposited in the funds management account through the accounting system of the financial company that opens and operates the funds management account of one or more customer accounts and affiliate names in accordance with the present invention, and one or more customer accounts (or cash management account) The customer account (or cache management account) through an affiliate cache system for linking the customer account (or cache operating account) and the customer account remotely in association with the affiliate cache system and the affiliate cache system. The method for processing a payment by relaying the requested payment through the customer account is performed by storing affiliate information and funds management account information in a storage medium in association with the customer account (or a cash management account) provided in the affiliate cache system. Information stored in a storage medium by linking the customer account information bridged with the customer account (or cache operating account). When the client terminal requests payment through one or more affiliate cache systems, the customer bridges the affiliate information, the customer account (or cache operating account) information, and the customer account (or cache operating account) from the account bridge system. Receiving amount information to be withdrawn from the account, checking customer account information associated with customer account (or cache operating account) information and the fund management account associated with the affiliate information in association with the storage medium; Generating a telegram that withdraws the amount from a customer account and deposits (or transfers) the funds to the fund management account; transferring the generated telegram to the accounting system; and responding to the telegram in association with the accounting system. Generating transaction history information and transmitting the transaction history information to the account bridge system. Including the step of: characterized in that formed.

In the payment processing method through the account relay according to the present invention, the step of receiving the non-face-to-face authentication result information through the account bridge system, and reading the non-face-to-face authentication result information to confirm the transaction validity for the full text It is characterized in that it further comprises.

The payment processing method using the account relay according to the present invention comprises the steps of: receiving non-face-to-face authentication information for authenticating transaction validity through a face-to-face authentication system of a financial institution; It characterized in that it further comprises the step of confirming the validity of the transaction for the full text.

In accordance with another aspect of the present invention, a payment processing method through an account relay includes: checking a charging history configuration for each affiliate cache system corresponding to the affiliate information and processing the generated transaction history configuration into a structure matching the charging history configuration; It is characterized in that it further comprises.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the payment processing method through the above-described account relay.

On the other hand, operating the funds deposited in the funds management account through the accounting system of the financial company that opens and operates the funds management account of one or more customer accounts and affiliate names in accordance with the present invention, and one or more customer accounts (or cash management account) Through the customer account (or cache operating account) through an affiliated cache system and an account bridge system for remotely bridging the customer account (or cache operating account) and the customer account in association with the affiliate cache system. The system for processing a payment by relaying the requested payment to the customer account may request the payment through at least one affiliate cache system in the client terminal, and the affiliate information and the customer account (or the cash management account) from the account bridge system. Information and a withdrawal from a customer account bridged with the customer account (or cash management account). An information receiving means for receiving money information, and a text generation means for generating a full text for withdrawing (or transferring) the money from the customer account bridged with the customer account (or a cash management account) and depositing (or transferring) the money into the money management account; Transaction processing means for delivering the generated telegram to the account system, history generating means for generating transaction history information corresponding to the telegram in association with the account system, and history for transmitting the transaction history information to the account bridge system; Characterized in that it comprises a transmission means.

On the other hand, operating the funds deposited in the funds management account through the accounting system of the financial company that opens and operates the funds management account of one or more customer accounts and affiliate names in accordance with the present invention, and one or more customer accounts (or cash management account) Through the customer account (or cache operating account) through an affiliated cache system and an account bridge system for remotely bridging the customer account (or cache operating account) and the customer account in association with the affiliate cache system. The system for processing a payment by relaying the requested payment to the customer account stores the affiliate information and the fund management account information in association with each other, and stores the customer account (or cache operation account) information provided in the affiliate cache system and the information. A storage medium that stores and stores the customer account information bridged with the customer account (or cache operation account); If the payment request is made through one or more affiliate cache systems, the amount of money to be withdrawn from the affiliate information and the customer account (or cash management account) information and the customer account bridged with the customer account (or cash management account) from the account bridge system. Information receiving means for receiving information, account identification means for confirming customer account information associated with customer account (or cache operating account) information and the fund management account associated with the affiliate information in association with the storage medium, and the customer; Full text generation means for generating a full text to withdraw (or transfer) the money from the account to the fund management account, Transaction processing means for delivering the generated full text to the account system, and in conjunction with the account system History generation means for generating transaction history information corresponding to a full text and the account bridge system As characterized by comprising the history transmission means for transmitting the transaction history information.

In the payment processing system through the account relay in accordance with the present invention, the history generating means, check the charging history configuration for each affiliate cache system corresponding to the affiliate information, matching the generated transaction history configuration with the charging history configuration Characterized in that the structure is generated.

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 configuration of an account bridge based cache payment system according to an embodiment of the present invention.

In more detail, Figure 1 is associated with an affiliate server 100 (e.g., a shopping mall server) provided in a non-financial affiliate affiliated with a financial company, and is based on the funds deposited in a fund management account of a non-financial affiliate established in the financial company. Affiliate cache system 105 for processing cache-based payments and a financial account accounting system 125 for opening and operating a non-financial partner's fund management account and one or more customer accounts, the affiliate cache system 105 And remotely bridge the accounting system 125 to cache-based payments through the affiliate cache system 105 based on the account bridge without prepaying for the cache balance included in the affiliate cache system 105. Regarding the configuration of a payment system to process, those of ordinary skill in the art to which the present invention pertains, refer to FIG. 1 and / or In other words, various implementation methods (e.g., some implementations may be omitted, subdivided, or combined) for the account bridge based cache payment system configuration may be inferred. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to Figure 1 according to an embodiment of the present invention, the account bridge-based cash payment system, one or more payment means (eg credit card payment means, check card payment means, debit card payment means, cash card payment means, accounts Affiliate server that processes one or more payments through a payment system (e.g., credit card payment system, check card payment system, debit card payment system, cash card payment system, bank transfer payment system, etc.) And the affiliate server 100 through a communication network to purchase the type / intangible goods sold by the affiliate server 100, and settle a payment amount corresponding to the purchase price of the affiliate server 100. Is connected to the customer terminal 130, the affiliate server 100, and requested to be processed through the payment system provided in the) and opened in the financial company Affiliate cache system 105 that handles cache-based payments based on funds deposited in funds management accounts of established non-financial affiliates, and account accounts of financial institutions that open and operate non-financial affiliates' fund management accounts and one or more customer accounts. And system 125.

The affiliate server 100 sells one or more types or intangible goods through a communication network, and one or more payment means (eg, credit card payment means, check card payment means, debit card payment means, cash card payment means, account transfer). Payment system (e.g., credit card payment system, check card payment system, debit card payment system, cash card payment system, bank transfer payment system, etc.) As a generic term for a server that pays a purchase price, the affiliate server 100 may include a shopping mall server (or an open market server) selling tangible goods, a content providing server selling intangible goods, and a ticket reservation / booking server. It is preferable to include at least one broadcast content providing server, and the like, and it is common in the technical field to which the present invention belongs. If you have a formula, because you will be familiar with the technical features of the affiliate server 100 for processing one or more payments through a payment system corresponding to one or more payment means, a more detailed description thereof will be omitted for convenience. .

The client terminal 130 accesses the affiliate server 100 to purchase one or more types or intangible products, and requests payment of a purchase price for the product through a payment system associated with the affiliate server 100. As a generic term for a terminal, the wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a notebook computer connected to a web server, or a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based high speed Or at least one wireless terminal including at least one portable internet terminal connected to the wireless internet, Group characterized in that comprises a wired communication network or a TV apparatus (not shown) including a two-way communication is possible IP-TV or digital TV or the DMB at least one through any of the communication network of the wireless communication network at least one.

The affiliate cache system 105 is a cache (eg, electronic money or cyber money) that uses a separate monetary unit (or real money unit) based on the funds deposited in a fund management account of a non-financial affiliate established in a financial company. And a set of functional components (or means) for providing a cache payment means for the affiliate server 100 through the cache, the payment means (or customers) of the specific customer of the amount deposited in the fund management account And a cash management account (or customer account) for managing the cash balance converted from the amount of money deposited (or transferred) through the account.

Here, the cash management account (or customer account), the charge history for the cache that converted the amount of money (or transfer) deposited in the funds management account (or transfer) through a payment method (or customer account) of a specific customer in a predetermined currency unit And payment details for the cache used for payment in connection with the affiliate server 100 (or one or more payment systems associated with the affiliate cache system 105) through the charged cache, and corresponding to the charging details. It is preferred that the cache comprises one or more account numbers (or identification numbers) and member IDs (or identification codes) for storing, recording, and managing the cash balance deducting the cache corresponding to the payment details.

According to an exemplary embodiment of the present invention, the affiliate cache system 105 preferably includes a functional set of cache related program codes included in the affiliate server 100.

According to another exemplary embodiment of the present invention, the affiliate cache system 105 preferably includes a functional set of cache related program codes included in the cache server associated with the affiliate server 100.

According to another exemplary embodiment of the present invention, the affiliate cache system 105 may include a cache server associated with the affiliate server 100 or one or more cache related server groups.

The accounting system 125 may open, manage, and operate one or more accounts (eg, deposit / storage, financial accounts for investment banking, securities accounts for stock trading, etc.) established in financial companies affiliated with the non-financial partner. As a general term of a computer system, the accounting system operates in connection with an information system that stores, records, and manages information related to the account operation, and an external system that connects the account system with an external (or other accounting system 125 of another financial company). The account system comprises a ledger D / B for managing the customer ledger for opening, managing, and operating the account and the account ledger for each account (for example, the reception ledger, credit ledger, etc.). It is done.

According to the implementation method of the present invention, the account system 125, the funds management account in the name of the non-financial affiliates is preferably opened, managed, and operated, the cash management account (or customer) in the affiliate cache system 105 It is desirable to open, manage, and operate a customer account in the name of the registered customer.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the account management system 125 in which the funds management account or one or more customer accounts are opened, managed, and operated, and thus will be described in detail. Will be omitted for convenience.

Referring to FIG. 1, the account bridge-based cache payment system may be configured to remotely bridge the affiliate cache system 105 and the account accounting system 125 to a cache balance included in the affiliate cache system 105. In order to process the cache-based payment through the affiliate cache system 105 based on the account bridge without upfront charges, the affiliate terminal cache system 105 associated with the affiliate server 100 is connected to the customer terminal 130. An account bridge associated with the non-financial affiliate's affiliate cache system 105 to remotely bridge the affiliate's affiliate cache system 105 and the financial accounting system 125 when requesting payment through the cash balance through To remotely bridge the system 110 (Account Bridge System), the accounting system 125 of the financial company and the affiliate cache system 105 of the affiliate company; And an account relay system 120 connected to the accounting system 125 of the financial company, and a gateway connecting the account bridge system 110 to the account relay system 120. It is preferable to further comprise 115).

The account bridge system 110 remotely bridges the affiliate cache system 105 and the account accounting system 125 to establish an account bridge without precharging the cash balance provided in the affiliate cache system 105. Functional component (or means) provided to the non-financial affiliate to interwork with the account relay system 120 provided to the financial company through a communication network to process cache-based payment through the affiliate cache system 105 based on As a generic term, the account bridge system 110 stores an account bridge D / B (e.g., for account bridges) in association with and stores cache operation account (or customer account) information registered in the affiliate cache system 105. A storage medium provided to the financial affiliates), and the non-financial affiliates process payment of the settlement amount using the affiliate cache system 105. And calculating (or confirming) the recharge amount in association with the storage medium 1 in association with the account bridge D / B, and the cash management account (or customer account) through the accounting system 125 of the financial company. After processing the charge amount to be charged to the cache operating account (or customer account) through a bridged customer account, the account accounting system 125 charges from the customer account bridged with the cache operation account (or customer account) When the money is withdrawn and deposited (or transferred) into the partner's fund management account, the transaction information corresponding to the deposit (or transfer) transaction is received from the account system 125 and registered in the affiliate cache system 105. Process the charges of the cache operation account (or customer account), and use the cash balance corresponding to the charge amount through the affiliate cache system 105 The payment amount is characterized in that the processing to be settled.

According to the exemplary embodiment of the present invention, the account bridge system 110 preferably includes a functional set of account bridge related program codes provided in the affiliate cache system 105.

According to another exemplary embodiment of the present invention, the account bridge system 110 includes a functional set of account bridge-related program codes included in a server (or device) associated with the affiliate cache system 105. desirable.

According to another exemplary embodiment of the present invention, the account bridge system 110 may include one account bridge related server (or device) associated with the affiliate cache system 105 or one or more account bridge related servers (or It is preferred to include a set of devices).

According to an embodiment of the present invention, the account bridge system 110 may be provided in cooperation with the affiliate cache system 105 in an affiliate provided with the affiliate cache system 105 or on one or more affiliate cache systems on a communication network. 105 may be provided to interwork with a communication network, or some components of the account bridge system 110 may be provided in cooperation with an affiliate cache system 105 in each affiliate, and the remaining components may be provided in each affiliate cache system on the communication network. It is apparent that all of the components provided on the communication network in conjunction with 105 (or some of the components provided in the affiliated company) can be provided. In particular, when a part (or all) components of the account bridge system 110 is provided on the communication network, the account bridge system 110 is connected to the affiliate cache system 105 and the account system in an application service provider (ASP) manner. It is desirable to remote bridge the system 125.

The account relay system 120 remotely bridges the affiliate cache system 105 and the account accounting system 125 to establish an account bridge without precharging the balance remaining in the affiliate cache system 105. In order to process the cache-based payment through the affiliate cache system 105 on the basis, the affiliated cache system 105 is provided to the financial institution to be linked to the account bridge system 110 provided in the non-financial affiliates via a communication network Of a functional component (or means) that is processed by the financial institution to replace (or relay) the cash-based payment with a cash transfer-based payment through a customer account bridged with the cash management account (or customer account). Collectively, the account relay system 120 is affiliated with the affiliate cache system 105 and the cache management system. (Or customer account) information and the account relay D / B (eg, a storage medium provided to the financial company for the account bridge) for storing the customer account information in association with, the non-financial partner in the affiliate cache system 105 The payment amount information and the cache operation account (or the customer account) to be charged from the account bridge system 110 to the cache operation account (or the customer account) registered in the affiliated cache system 105 at the time of payment processing using the ) Receiving information, confirming customer account information bridged with the cache operating account (or customer account) information in association with the account relay D / B, and withdrawing the recharge amount from the customer account to manage the funds of the affiliated company; A full transaction request for depositing (or transferring) into an account is provided and provided to the accounting system 125 to collect the recharge amount from the customer account. After processing the financial transaction to withdraw (or transfer) the withdrawal (or transfer) to the partner's fund management account, the transaction history information corresponding to the deposit (or transfer) transaction is transmitted to the account bridge system (110). .

According to the method of the present invention, the account bridge system 110 is preferably provided between the accounting system 125 and the external system of the financial company equipped with the accounting system 125, in this case the external system. It is preferable to provide a communication interface for functionally connecting the account relay system 120 and the account bridge system 110 of the non-financial affiliate.

According to the method of the present invention, the account bridge system 110, the non-financial partner in the payment processing of the payment amount using the affiliate cache system 105, the cache-based payment through the affiliate cache system 105 It is preferable that the financial company is linked with a non-face-to-face authentication system (not shown) for the banking company to replace (or relay) the payment with a bank transfer-based payment through a customer account bridged with the cash management account (or customer account). The non-face-to-face authentication system operates the cache through at least one authentication means among encryption / decryption authentication means, authorized certificate authentication means, one time password (OTP) authentication means, transaction password authentication means, and account password authentication means. Replace (or relay) with account-based payments through a customer account bridged with an account (or client account) To treat a non-face-to-face authentication is preferred.

According to one embodiment of the invention, the account bridge system 110, preferably comprises a functional set of account relay-related program code provided in the computer system constituting the accounting system 125.

According to another exemplary embodiment of the present invention, the account bridge system 110 includes a functional set of account relay-related program codes included in a server (or device) associated with a computer system constituting the accounting system 125. It is preferable to comprise.

According to another embodiment of the present invention, the account bridge system 110, one account relay server (or device) associated with the computerized system constituting the accounting system 125, or one or more account relay It is preferable to include a set of related servers (or devices).

According to the implementation method inferred from the present invention, the account bridge system 110 provided in the non-financial partner can be linked to a plurality of account relay systems 120 provided in a plurality of financial companies, and also provided in the financial company. The account relay system 120 is capable of interworking with a plurality of account bridge systems 110 provided in a plurality of non-financial affiliates, and it will be apparent that the present invention includes all the inferred implementation methods.

It is difficult for the gateway 115 to accept that the account bridge system 110 and the account relay system 120 communicate directly with each other through a communication network (eg, a dedicated network) according to the policy of the financial company (or non-financial affiliate). Or a function provided in the account bridge system 110 (or the account relay system 120) between the account bridge system 110 and the account relay system 120 according to the policy of the financial company (or a non-financial affiliate). If necessary, some of the functional components (or means) provided between the account bridge system 110 and the account relay system 120 to process them, the account bridge system 110 and account relay It performs the function of the gateway 115 connecting the secure communication path between the systems 120, or in the embodiment shown below the account bridge system It characterized in that carried out with a part of the functions included in unit 110 and accounts relay system 120.

For example, if it is difficult to provide an account bridge-based cache payment interface from the affiliate cache system 105 to the client terminal 130, the account bridge system 110 may allow the customer through the affiliate cache system 105. It is preferable to perform a function of providing an account bridge-based cache payment interface to the terminal 130.

Alternatively, in addition to the non-face-to-face authentication system of the financial company, the account relay system 120 authenticates additional additional authentication means (eg, separate member authentication for account bridge-based cache payment, or wireless authentication through a customer wireless terminal). If it is necessary, it is preferable to perform the authentication function through the separate authentication means.

According to an embodiment of the present invention, when providing the account bridge system 110 to a non-financial partner in an ASP (Application Service Provider) method, the gateway 115 includes all the functions of the account bridge system 110. It will be apparent that the present invention comprises the account bridge system 110 of the ASP method.

2 is a diagram illustrating an account registration system for account bridge based cache payment according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when the customer terminal 265 accesses the account registration server 200 through a communication network, the account registration server 200 establishes a remote account bridge between the affiliate cache system 255 and the account relay system. Provides an account registration interface for the customer terminal 265, the customer account information registered in the affiliate cache system 255 through the account registration interface in the customer terminal 265 and a customer account registered in the accounting company of the financial company; When the account registration information including information is input (or selected) and transmitted, the account registration server 200 remotely bridges the affiliate cache system 255 and the account relay system through the account registration information. Specifically, the customer terminal 265 is a Hyper-Text Transfer Protocol (HTTP) compatible program through one or more browser programs. A terminal function for accessing the account registration server 200 by using a call, and the account registration server 200 includes a server function for providing an account registration interface in the form of a web page to the customer terminal 265. It shows the method of implementation.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the configuration of the account registration system for the account bridge-based cache payment by referring to and / or modifying this figure 2. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, the customer terminal 265 has a separate program provided with the account registration interface, and the account registration server 200 receives the account registration information through a program provided in the customer terminal 265. It is possible to have a function of remotely bridging the affiliate cache system 255 and the account relay system, and it is apparent that the present invention includes the inferable implementation method.

Referring to FIG. 2 according to the embodiment of the present invention, the account registration system for the account bridge-based cache payment, the customer terminal 265 having one or more browser programs, and connected to the communication network through the browser program, Is connected to the customer terminal 265 through the communication network, and when accessing through the communication network from the customer terminal 265, the account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system; If the customer terminal 265 is provided to the customer terminal 265 and the account registration information is input (or selected) through the account registration interface, the account registration information is transferred to the affiliate cache system 255 and the account relay through the account registration information. It comprises a account registration server 200 for bridging the system remotely.

However, in FIG. 2, the account registration server 200 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the account registration server 200 may have two or more components for each component. It is possible to include a functional name implemented in the form of a program code set or a server group, and the present invention is characterized by including all the inferred possible implementation methods.

According to an embodiment of the present invention, the account registration server 200 may include a functional name included in any one of the affiliate server, the affiliate cache system 255, and the account bridge system shown in FIG. It is preferable to include the functional name of the server associated with any one of the affiliate server, affiliate cache system 255, the account bridge system shown in FIG.

The customer terminal 265 is connected to a transmission control protocol / Internet protocol (TCP / IP) -based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), cable communication network). A mobile communication terminal including at least one wired terminal including a desktop computer or a notebook computer connected to the account registration server 200 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP-TV including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired or wireless communication networks. Or at least one TV device (not shown) including at least one digital TV or at least one DMB. And a browser program for receiving and outputting a web page including an account registration interface for remote account bridge between the affiliate cache system 255 and the account relay system through the communication network. do.

Those skilled in the art will be familiar with the technical features of the customer terminal 265 that includes one or more of the wired terminal or wireless terminal or TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the account registration server 200 includes web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 265. Characterized in that it comprises a database for storing the database, characterized in that the database is provided in a Database Management System (DBMS) associated with the account registration server 200.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided from the account registration server 200 to the customer terminal 265. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 265 may include Preferably, the tag string (or a combination of tag strings) is generated.

According to another exemplary embodiment of the present invention, a web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided to the customer terminal 265 by the account registration server 200. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page contents) may be included. In this case, the web page provided to the customer terminal 265 may include one or more web pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

Referring to FIG. 2, the account registration server 200 provides a web page to the customer terminal 265 using an HTTP compatible protocol corresponding to the communication network, or based on a web page provided to the customer terminal 265. It characterized in that it comprises a web interface unit 205 for connecting and managing a web interface for receiving (or selected) a variety of information input (or selected) from the customer terminal 265.

According to an embodiment of the present invention, when the customer terminal 265 is a wired terminal in which a communication channel is connected through a wired communication network based on TCP / IP, the web interface unit 205 may communicate with the customer terminal 265 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 265 through the communication channel. It is preferable to interface so that a web page in the form of) is provided or to receive the information input from the customer terminal 265 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the customer terminal 265 is a wireless terminal in which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 205 may communicate with the customer terminal 265 and CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 265 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or so that information input from the customer terminal 265 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 265 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 205 may be connected to the customer terminal 265 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or interface so that the information input from the customer terminal 265 is received in a GET / POST method.

Referring to FIG. 2, when the account registration server 200 accesses the account registration server 200 through the web interface unit 205 and requests an account bridge from the client terminal 265, the webpage operates. The web page operating unit 210 (or web page operating unit) for generating (or extracting) a web page to be provided to the customer terminal 265 based on data, and the web page operating unit 210 in conjunction with the And an interface providing unit 215 (or interface providing means) including an account registration interface for remote account bridge between the affiliate cache system 255 and the account relay system in the generated (or extracted) web page. The webpage operation unit 210 processes the webpage operation unit 210 to provide the generated (or extracted) webpage to the customer terminal 265 in association with the web interface unit 205. It features.

When the client terminal 265 accesses the account registration server 200 through the web interface unit 205 and requests an account bridge, the webpage operation unit 210 responds to the account bridge request. Identify a webpage link to be provided to 265, identify a webpage source and web content for generating (or extracting) a webpage corresponding to the identified webpage link from the webpage operation data, and confirming And generating (or extracting) a web page to be provided to the customer terminal 265 using the web page source and the web content.

When the web page operation unit 210 generates (or extracts) a web page to be provided to the customer terminal 265, the generated web page is generated between the affiliate cache system 255 and the account relay system. In the case of a web page for providing a remote account bridge, the interface providing unit 215 is provided to the customer terminal 265 including the account registration interface on the web page in association with the web page operation unit 210. It is characterized by processing as possible.

According to an embodiment of the present invention, the account registration interface preferably comprises a user interface for inputting (or selecting) account registration information through one or more form forms, and in the technical field to which the present invention pertains. Those skilled in the art will be familiar with the technical features of the form form for inputting (or selecting) the account registration information in the customer terminal 265 based on the information attribute of the account registration information. Detailed description of the form form corresponding to the account registration interface in FIG. 2 will be omitted for convenience.

Here, the account registration interface preferably comprises a user interface for inputting (or selecting) customer account information registered in the affiliate cache system 255 and customer account information registered in the accounting company of the financial company.

According to an embodiment of the present invention, the account registration interface, in addition to the customer account information and customer account information, the personal information of the customer (eg, customer name, social security number), customer wireless terminal information (eg, customer mobile phone number) It is preferable to comprise at least one more.

The customer terminal 265 receiving the web page including the account registration interface inputs (or selects) account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system through the account registration interface. And it is characterized in that for transmitting the input (or selected) account registration information to the account registration server 200 through a GET / POST method.

Referring to FIG. 2, when the account registration server 200 inputs (or selects) and transmits account registration information through the account registration interface in the customer terminal 265, the account registration server 200 is associated with the web interface unit 205. Validity of verifying the validity of the received account registration information in connection with the information receiving unit 220 (or information receiving means) for receiving the account registration information and the affiliated cache system 255 and the account system 250. Characterized in that it comprises a confirmation unit 225 (or validation means).

When the customer terminal 265 inputs (or selects) account registration information through the account registration interface and transmits the information through the GET / POST method, the information receiver 220 is connected to the web interface unit 205 to transmit the account registration information. Receive account registration information.

According to an embodiment of the present invention, the account registration information may include customer account information registered in the affiliate cache system 255 and customer account information registered in the accounting company of the financial company. It is preferable that the personal information and customer wireless terminal information for the customer corresponding to the customer account 0 is further included.

Here, the customer account information is a customer for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 255 Preferably, the identification number includes member ID information of the customer.

According to an embodiment of the present invention, the customer account information is an amount deposited (or transferred) through a payment means (or a customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cache system 255. It is preferable to perform the function of the identification code for storing, recording, and managing the cash balance converted into the currency unit.

According to another exemplary embodiment of the present invention, the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cash system 255 in the currency unit Storing, recording, and managing the converted cash balance can be processed through a separate cash management account in addition to the customer account.

The customer account information may include an account number and financial company information corresponding to a real account opened in the name of the customer in a financial institution affiliated with a non-financial affiliate provided with the affiliate cache system 255.

The customer personal information preferably includes an affiliate cache system 255 provided in the non-financial affiliate and a unique customer identification information capable of identifying a specific customer in the account relay system provided in the financial institution.

For example, the customer personal information preferably includes the name and resident registration number of the customer, and the customer personal information includes the member information D / B (not shown) of the affiliate cache system 255 and the customer of the account relay system. It is desirable to match the customer name and social security number stored in the ledger.

The customer wireless terminal information is a general term for wireless terminal identification information for performing a function of the wireless communication means or wireless authentication means of the customer, and preferably includes the mobile phone number of the customer.

When the account registration information is received through the information receiving unit 220, the validity checking unit 225 is the affiliate cache system 255 provided in the non-financial affiliates based on the customer account information included in the account registration information ) And confirming that the customer account information is valid.

If the account personal information is further included in the account registration information, the validity verification unit 225 preferably uses the customer personal information to check whether the customer account information is valid.

In addition, the validity verification unit 225 checks whether the customer account information is valid in connection with the account system 250 through an external system provided in the financial company based on the customer account information included in the account registration information. It is characterized by.

If the account personal information is further included in the account registration information, the validity verification unit 225 preferably uses the customer personal information to check whether the customer account information is valid.

Referring to FIG. 2, when the account registration server 200 stores, records, and manages a cash balance in the affiliate cache system 255 through a cache operating account in addition to the customer account, the non-financial affiliates operate the funds. Generate account information for storing, recording, and managing account information for storing, recording, and managing a cash balance of the amount deposited (or transferred) through a payment method (or customer account) of a specific customer among the amounts deposited in the account An account registration processing unit 235 which processes the unit 230 (or account information generating means) and the generated account information as cache operating account information that is remotely bridged with the customer account, and registers and processes it in the affiliate cache system 255. (Or an account registration processing means).

When the affiliate cache system 255 stores, records, and manages the cash balance in addition to the customer account through the cache management account, when the validity of the account registration information is confirmed by the validity checker 225, the The account information generation unit 230 converts the cash balance of the amount deposited (or transferred) through a payment method (or a customer account) of a specific customer among the amounts deposited in the fund management account of the non-financial partner. It is characterized by generating unique account information for storage, recording, and management.

Here, the account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 255, the account number system is remote from the customer account provided in the financial company It is preferable to include a virtual account number system for bridging.

According to an embodiment of the present invention, the account information includes one or more affiliate identification numbers for identifying the non-financial affiliates, one or more financial company identification numbers for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable.

When the account information is generated through the account information generation unit 230, the account registration processing unit 235 processes the generated account information as cache operating account information that is remotely bridged with a customer account provided at the financial company. It is characterized in that the registration processing to the cache operating account of the affiliate cache system (255).

If the affiliate cache system 255 includes the pre-registered cache account information for its own cash payment, the account registration processing unit 235 is cache operating account information that is remotely bridged the cache account information with the customer account It is preferable to replace with.

Referring to FIG. 2, the account registration server 200 may deposit (or transfer) payments through a payment means (or customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cache system 255. An account provided to the non-financial affiliate by linking customer account (or cache operating account) information and customer account information (eg, account number and financial company information) to store, record, and manage the cash balance converted from the monetary amount. It is processed to be stored in the bridge D / B (245), and the account relay provided to the financial company by linking the customer account (or cache operating account) information, the customer account information and the affiliate information provided with the affiliate cache system 255 And an information storage unit 240 (or information storage means) for processing to be stored in the D / B 260, wherein the customer account information and the cache operation account information are both It is possible that either one or stored, or to save both the customer account information, account information and cache operations.

The information storage unit 240 is a payment method (or a specific customer of the amount deposited in the fund management account in the affiliate cache system 255 for the remote account bridge between the affiliate cache system 255 and the account relay system) Customer account (or cache operating account) information and customer account information (e.g., account number and financial company information) that stores, records, and manages the cash balance converted from the amount deposited (or transferred) through the customer account into the currency unit. It is characterized in that for storing in the account bridge D / B (245) (for example, the storage medium provided in the non-financial partner for the account bridge) provided in the non-financial partner affiliate, the customer account information and the cash management account Either one of the information may be stored, or both the customer account information and the cache operation account information may be stored.

If the account registration information received through the information receiving unit 220 includes one or more customer personal information and customer wireless terminal information, the information storage unit 240 to the account bridge D / B (245) It is desirable to further store customer personal information and customer wireless terminal information in association.

According to the embodiment of the present invention, the account bridge D / B 245 is preferably provided in the account bridge system, or in the non-banking affiliates that can be linked through the network in the account bridge system.

In addition, the information storage unit 240 is a payment means of a specific customer of the amount deposited in the funds management account in the affiliate cache system 255 for the remote account bridge between the affiliate cache system 255 and the account relay system Customer account (or cash management account) information, customer account information and the affiliate cache system (storage) to store, record, and manage the cash balance converted from the amount deposited (or transferred) through the customer account (or customer account). 255, and stores the information in the account relay D / B 260 (e.g., a storage medium provided in the financial company for the account bridge) in connection with the affiliate information provided in the financial company. The cache management account information may be stored in either, or both the customer account information and the cache management account information may be stored.

If the account registration information received through the information receiving unit 220 includes one or more customer personal information and customer wireless terminal information, the information storage unit 240 to the account relay D / B (260) It is desirable to further store customer personal information and customer wireless terminal information in association.

According to the implementation method of the present invention, the account relay D / B 260 is preferably provided in the account bridge system, or in the non-banking affiliates that can be linked through the network in the account bridge system.

According to the present invention, the customer account (or cache operating account) information and the customer account information is stored in the account bridge D / B (245) provided in the non-financial partner affiliate, the account relay D / After the B (260) is stored in association with the customer account (or cache operating account) information, the customer account information and the affiliate information provided with the affiliate cache system 255, the account bridge system provided to the non-financial affiliates With reference to the account bridge D / B (245) interlocked with the account relay system provided to the financial company, the account relay system provided to the financial company is provided to the non-financial affiliates with reference to the account relay D / B (260) By interlocking with the established account bridge system, the affiliate cash system at the time of payment processing of the payment amount using the affiliate cache system 255 in the non-financial affiliates Remotely bridge 255 and the accounting system 250 to cache-based payments through the affiliate cache system 255 based on the account bridge without prepaying for the cache balance included in the affiliate cache system 255. Characterized in processing.

3 is a diagram illustrating a process of transmitting and receiving account registration information for a remote account bridge between an affiliate cache system 255 and an account relay system according to an embodiment of the present invention.

In more detail, FIG. 3 is connected to the account registration server 200 shown in FIG. 2 using an HTTP-compatible protocol in a client terminal 265 having one or more browser programs, and the affiliate cache system 255 and the account relay. When requesting an account registration interface for a system-to-system remote account bridge, the customer terminal 265 including the account registration interface in a web page provided by the account registration server 200 to the customer terminal 265 in response thereto. In this regard, the customer terminal 265 corresponds to a process of inputting (or selecting) account registration information through the account registration interface and transmitting the same to the account registration server 200. Those skilled in the art can refer to and / or modify this drawing to modify the affiliate cache system 255 and the account relay system. Various implementation methods for the process of transmitting and receiving account registration information for a remote account bridge between systems may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 3, the customer terminal 265 shown in FIG. 2 is referred to as "terminal" for convenience, and the account registration server 200 is referred to as "server" for convenience.

Referring to FIG. 3, the terminal accesses the server through a communication network, connects a communication channel through an HTTP compatible protocol (300), and transmits a webpage link to the server through the communication channel to display one or more webpages. Request 305, and correspondingly, the server generates (or extracts) a web page corresponding to the web page link (310).

If the web page is generated (or extracted), the server does not provide an account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system through the web page (315). (Or extracted) the web page is transmitted to the terminal through the communication channel and outputted (320). Then, the terminal selects (or clicks) any one or more web page links included in the web page, Repeat the process to send to the server.

On the other hand, when generating (or extracting) the web page, if the account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system is provided through the web page (315), the server generates the (Or extracted) a web page including an account registration interface for remote account bridge between the affiliate cache system 255 and the account relay system in the extracted web page (325) and including the account registration interface via the communication channel. The page is transmitted to the terminal and output (330).

According to an embodiment of the present invention, the account registration interface preferably comprises a user interface for inputting (or selecting) account registration information through one or more form forms, and in the technical field to which the present invention pertains. Those skilled in the art will be familiar with the technical features of the form form for inputting (or selecting) the account registration information in the customer terminal 265 based on the information attribute of the account registration information. In FIG. 3, a detailed description of the form form corresponding to the account registration interface will be omitted for convenience.

Here, the account registration interface preferably comprises a user interface for inputting (or selecting) customer account information registered in the affiliate cache system 255 and customer account information registered in the accounting company of the financial company.

According to an embodiment of the present invention, the account registration interface, in addition to the customer account information and customer account information, the personal information of the customer (eg, customer name, social security number), customer wireless terminal information (eg, customer mobile phone number) It is preferable to comprise at least one more.

Thereafter, the terminal checks whether the account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system is input (or selected) through the account registration interface included in the web page (335).

If the terminal does not enter (or select) account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system (340), the terminal links one or more web pages included in the web page. Repeat the process of selecting (or clicking) any one of and transmitting it to the server.

On the other hand, if the terminal registers (or selects) account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system (340), the terminal inputs (or selects) through the account registration interface. The account registration information is transmitted to the server through the communication channel (345).

According to an embodiment of the present invention, the account registration information may include customer account information registered in the affiliate cache system 255 and customer account information registered in the accounting company of the financial company. It is preferable that the personal information and customer wireless terminal information for the customer corresponding to the customer account 0 is further included.

Here, the customer account information is a customer identification number for identifying the amount deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the fund management account, the member ID of the customer It is preferable to include information.

According to an embodiment of the present invention, the customer account information is an amount deposited (or transferred) through a payment means (or a customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cache system 255. It is preferable to perform the function of the identification code for storing, recording, and managing the cash balance converted into the currency unit.

According to another exemplary embodiment of the present invention, the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cash system 255 is the monetary unit. Storing, recording, and managing the cash balance converted into can be processed through a separate cache operating account in addition to the customer account.

The customer account information may include an account number and financial company information corresponding to a real account opened in the name of the customer in a financial institution affiliated with a non-financial affiliate provided with the affiliate cache system 255.

The customer personal information preferably includes an affiliate cache system 255 provided in the non-financial affiliate and a unique customer identification information capable of identifying a specific customer in the account relay system provided in the financial institution.

For example, the customer personal information preferably includes the name and resident registration number of the customer, and the customer personal information includes the member information D / B (not shown) of the affiliate cache system 255 and the customer of the account relay system. It is desirable to match the customer name and social security number stored in the ledger.

The customer wireless terminal information is a general term for wireless terminal identification information for performing a function of the wireless communication means or wireless authentication means of the customer, and preferably includes the mobile phone number of the customer.

4 is a diagram illustrating a remote account bridge process between an affiliate cache system 255 and an account relay system according to an exemplary embodiment of the present invention.

In more detail, in FIG. 4, when the customer terminal 265 inputs (or selects) and transmits the account registration information through the account registration interface, the account illustrated in FIG. 2 is transmitted through the process illustrated in FIG. 3. The process of remotely bridging the affiliate cache system 255 and the account relay system through the account registration information in the registration server 200, specifically, the affiliate cache system in the customer account information included in the account registration information. To store, record, and manage the cash balance converted from the amount deposited (or transferred) through the payment means (or the customer's account) of the specific customer among the amounts deposited in the fund management account within 255. When the function of the identification code is included, the account bridge D / B provided to the non-financial partner by linking the customer account information and the customer account information (2 45) and the process of storing the affiliate information, the customer account information, and the customer account information in the account relay D / B 260 provided in the financial company.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to infer various implementation methods for the remote account bridge process between the affiliate cache system 255 and the account relay system. 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.

Hereinafter, in FIG. 4, the customer terminal 265 shown in FIG. 2 is referred to as "terminal" for convenience, and the account registration server 200 is referred to as "server" for convenience.

Referring to FIG. 4, when the terminal inputs (or selects) and transmits the account registration information through the account registration interface through the process illustrated in FIG. 3, the account registration server 200 may communicate with the user through a communication channel. The account registration information is received 400, and the validity of the received account registration information is verified 405.

According to an embodiment of the present invention, the server checks whether the customer account information is valid in association with the affiliate cache system 255 provided in the non-financial affiliate based on the customer account information included in the account registration information. Preferably, if the account registration information further includes the customer personal information, it is preferable that the server checks whether the customer account information is valid using the customer personal information.

In addition, the server checks whether the customer account information is valid in connection with the account system 250 through the external system provided in the financial institution based on the customer account information included in the account registration information, When the customer personal information is further included in the account registration information, the server preferably checks whether the customer account information is valid using the customer personal information.

If the validity of the account registration information is not confirmed (410), the server generates account registration validity error information and transmits it to the terminal (415).

On the other hand, if the validity of the account registration information is confirmed (410), the server deposits (or through the payment means (or customer account) of a specific customer of the amount deposited in the fund management account in the affiliate cache system 255 (or Account bridge D / A provided in the non-financial partner by linking customer account information (for example, account number and financial company information) that stores, records, and manages the cash balance converted from the transferred amount into the monetary unit. Store (420) (e.g., a storage medium provided to a non-financial affiliate for account bridge), and associate the customer account information with the customer account information and the affiliate information provided with the affiliate cache system 255. In operation 425, the data is stored in the account relay D / B 260 provided to the financial company (eg, a storage medium provided to the financial company for the account bridge).

If the account registration information includes one or more of the customer personal information and the customer wireless terminal information, the server is the account bridge D / B 245 and the account relay D / B (260) and the customer personal information and It is desirable to further store customer wireless terminal information in association.

According to another exemplary embodiment of the present invention, the process of linking the customer account information and the customer account information is stored in the account bridge D / B 245, the customer account information, the customer account information and the affiliate information by linking the The process of storing in the account relay D / B 260 can be changed in the order other than the order shown in Figure 4, or stored in a cross manner, thereby not limiting the present invention.

5 is a diagram illustrating a remote account bridge process between the affiliate cache system 255 and the account relay system according to another exemplary embodiment of the present invention.

In more detail, in FIG. 5, when the customer terminal 265 inputs (or selects) and transmits the account registration information through the account registration interface through the process illustrated in FIG. 3, the account illustrated in FIG. 2 is transmitted. The process of remotely bridging the affiliate cache system 255 and the account relay system through the account registration information in the registration server 200, specifically, deposited in the fund management account within the affiliate cache system 255. Generate a cash management account information for storing, recording, and managing the cash balance converted from the amount of money (or transfer) received through a payment method (or customer account) of a specific customer out of the amount of money to be made, and the cache operation The account information and the customer account information are linked and stored in the account bridge D / B 245 provided in the non-financial partner, and the affiliate information and the cache are stored. A diagram illustrating a process of storing in the relay account D / B (260) provided in the financial institution by connecting the zero customer account information and account information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for the remote account bridge process between the affiliate cache system 255 and the account relay system. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to include both the customer account information and the cache operating account information including the account bridge D provided in the non-financial affiliate. It may be inferred to implement the method of storing in / B (245) and in the account relay D / B (260) provided in the financial institution, but it is apparent that the present invention includes all the inferred implementation method It is a bar.

Hereinafter, in FIG. 5, the customer terminal 265 shown in FIG. 2 is referred to as "terminal" for convenience, and the account registration server 200 is referred to as "server" for convenience.

Referring to FIG. 5, when the terminal inputs (or selects) and transmits the account registration information through the account registration interface through the process illustrated in FIG. 3, the account registration server 200 may communicate with the user through a communication channel. The account registration information is received 500, and the validity of the received account registration information is verified 505.

According to an embodiment of the present invention, the server checks whether the customer account information is valid in association with the affiliate cache system 255 provided in the non-financial affiliate based on the customer account information included in the account registration information. Preferably, if the account registration information further includes the customer personal information, it is preferable that the server checks whether the customer account information is valid using the customer personal information.

In addition, the server checks whether the customer account information is valid in connection with the account system 250 through the external system provided in the financial institution based on the customer account information included in the account registration information, When the customer personal information is further included in the account registration information, the server preferably checks whether the customer account information is valid using the customer personal information.

If the validity of the account registration information is not confirmed (510), the server generates account registration validity error information and transmits it to the terminal (515).

On the other hand, if the validity of the account registration information is confirmed (510), the server bridges the customer account corresponding to the customer account information included in the account registration information (or a customer account of the customer name opened in the financial company) remotely Generate the cache management account information to be (520), and registers the generated cache management account information to the affiliate cache system 255 provided in the non-financial affiliates (525).

If the cash management account is registered in the affiliate cash system 255 provided in the non-financial affiliate, the server may settle the payment of a specific customer among the amounts deposited in the fund management account in the affiliate cache system 255. Linking customer account information (e.g. account number and financial company information) with cash management account information (e.g., account number and financial company information) that stores, records, and manages the cash balance converted from the deposit (or transfer) amount by means (or customer account) into the currency. And store in the account bridge D / B 245 (eg, a storage medium provided in the non-financial partner for the account bridge) provided to the non-financial partner (535), and the cache operating account information and the customer account information and the Affiliate cache system 255 is linked to the partner information provided in the account relay D / B (260) (e.g., storage medium provided to the financial company for the account bridge) Save (540).

If the account registration information includes one or more of the customer personal information and the customer wireless terminal information, the server is the account bridge D / B 245 and the account relay D / B (260) and the customer personal information and It is desirable to further store customer wireless terminal information in association.

According to another exemplary embodiment of the present invention, a process of linking the cache operating account information and the customer account information to store in the account bridge D / B 245, and linking the cache operating account information, the customer account information, and the affiliate information In the process of storing the account relay D / B 260 in addition to the order shown in FIG. 5, the order may be changed or stored in a cross manner, and the present invention is not limited thereto.

FIG. 6 illustrates a remote account bridge based cache payment system between an affiliate cache system 605 and an account system 690 according to a first embodiment of the present invention.

In more detail, Figure 6 is connected to the affiliate server 600 having an affiliate cache system 605 in the customer terminal (695) to purchase one or more types or intangible goods, and the purchase price for the purchased product When the payment request is made through the affiliate cache system 605, an account bridge based cache payment interface for providing an account bridge based cache payment is provided to the customer terminal 695, and an account bridge based cache is provided at the customer terminal 695. When the payment request information is input (or selected) through a payment interface, the payment request information is used to remotely bridge the affiliate cash system 605 provided to the non-financial affiliate and the account system 690 provided to the financial company. As a system configuration for processing a payment amount corresponding to the purchase price by the payment, specifically, the affiliate cache After a smaller amount of the balance of the customer account (or cache operating account) and the remotely bridged customer account of the system 605 and the preset charge setting amount is mirrored to the cache balance to be displayed as the cache balance, An implementation method of processing the requested payment within the cache balance limit.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 6 to provide a variety of remote account bridge based cache payment system configurations between the affiliate cache system 605 and the accounting system 690. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 6 according to an embodiment of the present invention, a remote account bridge based cache payment system between the affiliate cache system 605 and the account accounting system 690 may include one or more browser programs, and may be configured through the browser program. One or more types or intangibles of the customer terminal 695 connected to the communication network and the customer terminal 695 through the communication network, and when connected through the communication network from the customer terminal 695 to the customer terminal 695. Cache-based payment for the payment amount of the goods sold in the affiliate server 600 based on the funds deposited in the affiliate operating server 600 and the non-financial affiliated funds management account opened at the financial institution; Affiliate cache system 605 to process and payment for the purchase price for goods purchased in the customer terminal 695 through the affiliate cache system 605 Request to provide an account bridge-based cache payment interface for the account bridge-based cache payment to the client terminal 695, and input payment request information through the account bridge-based cache payment interface in the client terminal 695 (or Select) to transmit the payment amount corresponding to the purchase price by remotely bridging the affiliate cash system 605 provided to the non-financial partner and the account system 690 provided to the financial company through the payment request information. To work with the account bridge server 610 for processing the account bridge server 610 (= functional name of the account bridge system) and for remote account bridge based cache settlement between the affiliate cache system 605 and the account accounting system 690. Account relay server 683 (= functional name of account relay system) provided in financial institution and funds of the said non-financial partner Including gyejeonggye system 690 to operate for accounts with one or more customer accounts, characterized by comprising.

6, the account bridge server 610 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the account bridge server 610 may include two or more account bridge servers. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account bridge server 610 corresponds to the functional name of the account bridge system shown in FIG. 1 and is not limited to the physical name.

The customer terminal 695 may be configured through a transmission control protocol / Internet protocol (TCP / IP) based wired communication network (eg, an Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or a cable communication network). A mobile communication terminal including at least one wired terminal including a desktop computer or a notebook computer connected to the account bridge server 610 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP-TV including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired or wireless communication networks. Or at least one TV device (not shown) including at least one digital TV or at least one DMB. It characterized in that formed and to be that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Persons of ordinary skill in the art to which the present invention pertains know the technical features of the customer terminal 695 including at least one of the wired terminal or the wireless terminal or a TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 610 may include web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 695. It is characterized in that it comprises a database for storing the database, characterized in that the database is provided in a Database Management System (DBMS) associated with the account bridge server 610.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided to the customer terminal 695 from the account bridge server 610. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 695 may include the It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, the web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided to the customer terminal 695 from the account bridge server 610. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page contents) may be included. In this case, the web page provided to the customer terminal 695 may include one or more tag pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

According to another exemplary embodiment of the present invention, the webpage operation data is in addition to the account bridge server 610 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 695. It may be provided in any one of the affiliate server 600, affiliate cache system 605, gateway 680, the present invention is the web page operation data is the affiliate server 600, affiliate cache system 605 It is clear that the implementation includes all of the gateways 680.

According to an embodiment of the present invention, the account bridge server 610 stores and stores the customer account (or cache operating account) information and the customer account information registered through the account registration system shown in FIG. It is preferable to have an account bridge D / B 675 for storing information and at least one wireless terminal information in association with each other, or interworking through a network, and the account bridge D / B 675 is connected to the customer account ( Or store the cash balance information corresponding to the cash management account more in association with each other, or add the charge setting amount information and withdrawal limit amount information corresponding to the customer account information bridged with the customer account (or the cash management account) remotely. It is desirable to store in conjunction.

Here, the cash balance information is the balance information of the cache that is stored, recorded, and managed through the customer account (or a cache operating account) among the amounts deposited in the fund management account in the affiliate cache system 605. In the cache payment system through the cash balance mirroring shown in Fig. 2, the cash balance always includes '0'. When the cash balance is displayed on the customer terminal 695, the set amount of charge and the customer's account It is preferable that the smaller amount of the balance is represented by the cash balance.

According to another exemplary embodiment of the present invention, when the account balance server 610 checks the cash balance through the affiliate cache system 605, the cache balance information may be omitted in the account bridge D / B 675. The present invention is not limited thereto.

The charge setting amount information is withdrawn from the customer account bridged with the customer account (or cache operating account) when the non-financial partner payment processing of the payment amount using the affiliate cache system 605, the name of the non-banking partner name. An amount set to be deposited (or transferred) into a fund management account, and corresponds to a cash balance to be displayed by the customer terminal 695 in the cash payment system through the cash balance mirroring shown in FIG. The amount to be withdrawn (or transferred) from a customer account bridged with a customer account (or a cash management account) to a fund management account in the name of the non-financial partner is equal to the amount of the payment within the balance of the customer account (or withdrawal limit amount). It is preferable to set automatically.

The charging limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner pays the payment amount using the affiliate cash system 605. As the limit amount to be deposited (or transferred) into the fund management account, the charge limit amount preferably includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

If the charge setting amount information and the charge limit amount information is stored in the account relay D / B provided to the financial company, the charge setting amount information and charge limit amount information is stored in the account bridge D / B 675. It is possible to omit it, thereby not limiting the present invention.

Referring to FIG. 6, the account bridge server 610 provides a web page to the customer terminal 695 using an HTTP compatible protocol corresponding to the communication network, or based on a web page provided to the customer terminal 695. It characterized in that it comprises a web interface unit 615 for connecting and managing a web interface for receiving (or selected) a variety of information input (or selected) from the customer terminal (695).

According to an embodiment of the present invention, when the customer terminal 695 is a wired terminal in which a communication channel is connected through a TCP / IP-based wired communication network, the web interface unit 615 may communicate with the customer terminal 695 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 695 through the communication channel. It is preferable to interface so that a web page of a form of) is provided or to receive information input from the customer terminal 695 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the customer terminal 695 is a wireless terminal to which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 615 may communicate with the customer terminal 695 and the CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 695 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or so that the information input from the customer terminal 695 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 695 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 615 communicates with the customer terminal 695 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or the information input from the customer terminal 695 is preferably interfaced to be received in a GET / POST method.

According to another exemplary embodiment of the present invention, the web interface unit 615 provides the account bridge server 610 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 695. In addition to the affiliate server 600, the affiliate cache system 605, the gateway 680 may be provided in any one of the present invention, the web interface unit 615 is the affiliate server 600, affiliates It is apparent that the implementation includes both the cache system 605 and the gateway 680.

Referring to FIG. 6, the customer terminal 695 accesses an affiliate server 600 having an affiliate cache system 605 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 605, the account bridge server 610 generates (or extracts) a web page to be provided to the customer terminal 695 based on the web page operation data. Account bridge based cache payment for the account bridge based cache payment on the web page generated by the web page management unit 620 (or web page operation means) and the web page management unit 620 (or extracted) And an interface providing unit 625 (or an interface providing unit) including an interface, and the web page operating unit 620 includes the web interface. In connection with the unit 615, the generated (or extracted) web page is characterized in that the processing to be provided to the customer terminal (695).

According to another exemplary embodiment of the present invention, the webpage operation unit 620 and the interface provider 625 provide an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 695. In addition to the account bridge server 610, it is possible to be provided in any one of the affiliate server 600, affiliate cache system 605, gateway 680, the present invention is the web page operation unit 620 It is apparent that the interface providing unit 625 includes all the implementation methods provided in any one of the affiliate server 600, the affiliate cache system 605, and the gateway 680.

A payment means for accessing an affiliate server 600 having an affiliate cache system 605 in the customer terminal 695 to purchase one or more types or intangible products, and to process a purchase price for the purchased product. When the payment request corresponding to the purchase price is requested to be paid through the affiliate cache system 605 based on a payment method selection interface for selecting a payment, the web page operation unit 620 may execute the affiliate cache system 605. A web page link to be provided to the customer terminal 695 for remote account bridge based payment processing between the account system 690 and a web page corresponding to the confirmed web page link from the web page operation data. Identify the webpage source and web content for (or extract) and use the identified webpage source and web content to And a web page to provide the terminal (695) characterized in that the generating (or extraction).

When the web page operation unit 620 generates (or extracts) a web page to be provided to the customer terminal 695 for remote account bridge based payment processing between the affiliate cache system 605 and the account accounting system 690, The interface providing unit 625 may be configured to include the account bridge based cache payment interface on the web page to be provided to the customer terminal 695 in connection with the web page operation unit 620.

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 695 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 6 will be omitted for convenience.

In this case, the account bridge-based cache payment interface is a cash balance of the lesser of the balance of the customer account (or cache operating account) of the affiliated cash system 605 and the customer account that is remotely bridged and the predetermined charge setting amount It is preferable to include the cash balance information displayed by mirroring, it is preferable to display the payment amount corresponding to the purchase price, and to further display the customer account (or cache operating account) information for the cash balance, In accordance with the intention of the shopping cart is preferably made to further include information on the product.

According to an embodiment of the present invention, the account bridge-based cash payment interface compares the cash balance with the payment amount, and if the cash balance is smaller than the payment amount, within the balance limit (or withdrawal limit) amount of the customer account. It is preferable that further comprises a cache balance adjustment interface for mirroring by adding the cache balance above the payment amount.

In addition, the account bridge-based cache payment interface to pay the amount of payment through a remote account bridge between the affiliate cache system 605 and the account accounting system 690, or to cache the affiliate cache system 605 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system 685 provided in the financial company opened the customer account, authentication certificate authentication means, disposable It is preferable to include a non-face-to-face authentication interface corresponding to one time password (OTP) authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 685 provided in the financial company, register the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

Referring to FIG. 6, the account bridge server 610 is bridged with the customer account (or cache operating account) when the interface providing unit 625 generates (or extracts) the account bridge based cache payment interface. Check the charge setting amount information for the customer account information and the balance information of the customer account, and check the smaller amount of the charge setting amount information and the customer account balance as the cash balance information for the customer account (or the cache operating account) A cash balance check unit 630 (or a cash balance check unit) and a cash balance display unit 635 (or cash balance display unit) for displaying the checked cash balance information on the account bridge based cache payment interface. Characterized in that made.

When the interface providing unit 625 generates (or extracts) the account bridge based cache payment interface, the cash balance checking unit 630 may be connected to the account bridge D / B 675 to the customer account (or cache). Operating charge) and the charge setting amount information for the customer account information bridged, characterized in that, if the charge setting amount information is stored in the account relay server (683) provided in the financial institution, the cash balance check unit 630 is a charge setting for the customer account information associated with the customer account (or cache operating account) from the account relay server 683 through the remote account bridge between the affiliate cache system 605 and the account accounting system 690 Characterized in that the amount of money information.

In addition, the cash balance check unit 630 confirms the balance information of the customer account in connection with the account relay server 683 through a remote account bridge between the affiliate cache system 605 and the account accounting system 690. Characterized in that, if the customer account balance is stored in the account bridge D / B 675 through the remote account bridge between the affiliate cache system 605 and account accounting system 690, the cache balance checker ( 630 checks the balance information for the customer account bridged with the customer account (or cache operating account) from the account bridge D / B (675).

If the charge setting amount information for the customer account information bridged with the customer account (or cash management account) is confirmed, and the balance information for the customer account bridged with the customer account (or cash management account) is confirmed, the The cash balance checking unit 630 may check a smaller amount of the charge setting amount information and the customer account balance as the cash balance information for the customer account (or the cache operating account).

When the cash balance information for the customer account (or the cache operating account) is confirmed by the cash balance check unit 630, the cash balance display unit 635 transmits the checked cash balance information to the interface provider 625. Including (or extracted) in the account bridge-based cache payment interface, characterized in that the processing to be output through the customer terminal (695).

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

Referring to FIG. 6, the account bridge server 610 receives the payment request information when the customer terminal 695 transmits payment request information through a payment request interface included in the account bridge based cache payment interface. And an information receiving unit 640 (or information receiving means).

When the client terminal 695 receiving the webpage including the account bridge based cache payment interface transmits the payment request information for the account bridge based cache payment through the payment request interface included in the account bridge based cache payment interface The information receiving unit 640 may receive the payment request information.

According to the exemplary embodiment of the present invention, the payment request information may include one or more customer account (or cache operating account) information, payment amount information, and affiliate information for operating the affiliate cache system 605. .

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 605 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cash management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 605, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 695 by accessing the affiliate server 600. The payment amount information may be used for a cache-based payment processing. It is preferable that the cache information corresponding to the currency unit of the affiliate cache system 605 is included.

The affiliate information preferably includes affiliate identification information corresponding to the affiliate server 600 that operates the affiliate cache system 605.

Referring to FIG. 6, the account bridge server 610 inputs and transmits non-face-to-face authentication information through the non-face-to-face authentication interface included in the account bridge-based cache payment interface in the client terminal 695. The payment amount is paid through an information receiving unit 640 (or information receiving means) for receiving face-to-face authentication information and a remote account bridge between the affiliate cache system 605 and the account accounting system 690 through the non-face-to-face authentication information. Or replace (or relay) the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or the cash management account) to pay for the non-face-to-face transaction validity of the payment amount. It is characterized by comprising a transaction authentication processing unit 645 (or transaction authentication processing means) for authentication.

The client terminal 695 receiving the webpage including the account bridge based cache payment interface receives non-face-to-face authentication information for the account bridge based cache payment through the non-face authentication interface included in the account bridge based cache payment interface. When inputting (or selecting) and transmitting, the information receiving unit 640 may receive the non-face-to-face authentication information.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (685) provided in the financial company opened the customer account, authentication certificate based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered through the non-face-to-face authentication system 685 provided in the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 605 (or account bridge system).

When the non-face-to-face authentication information for the account bridge-based cache payment is received through the information receiver 640, the transaction authentication processor 645 is connected to the affiliate cache system 605 and the account through the received non-face-to-face authentication information. Payment of the payment amount via a remote account bridge between systems 690, or replacing the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or cache operating account) ) To authenticate the non-face-to-face transaction validity of the payment amount.

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 685 provided to the financial company is received through the information receiver 640 according to an embodiment of the present invention, the transaction authentication processor 645 is Processing the non-face-to-face authentication information to be transmitted to the non-face-to-face authentication system 685 provided at the financial company to settle the payment amount through a remote account bridge between the affiliate cache system 605 and the account accounting system 690, or It is preferable to replace (or relay) the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or the cache operating account) to authenticate the non-face-to-face transaction validity for the payment of the payment amount. Do.

According to another exemplary embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 645 generates an arbitrary authentication number to generate the customer wireless. Transmits to a terminal, receives an authentication number input through a non-face-to-face authentication interface included in the account bridge based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal with the received authentication number to cache the affiliated company cache. Payment of the payment amount via a remote account bridge between the system 605 and the accounting system 690, or a cache of the customer account bridged with the customer account (or cache operating account) by the cache of the affiliate cache system 605; Verifying the non-face-to-face transaction validity of the payment by replacing (or relaying) the balance Preferable.

When non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 605 (or the account bridge system) is received through the information receiver 640 according to another exemplary embodiment of the present invention. The transaction authentication processing unit 645 compares the non-face-to-face authentication information with ID / PW information stored in the member information D / B (not shown) to bridge the remote account between the affiliate cache system 605 and the account system 690. Paying the settlement amount through or replacing (or relaying) the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or cache operating account) to settle the settlement amount; It is desirable to certify non-face-to-face transaction validity for something.

Referring to FIG. 6, the payment request information is received from the customer terminal 695, and the non-face-to-face transaction validity for the payment through the remote account bridge between the affiliate cache system 605 and the account accounting system 690 is authenticated. The account bridge server 610 checks (or calculates) the amount of charge information to be withdrawn from the customer account bridged with the customer account (or cache management account) and charged to the customer account (or cache management account). Information transfer unit 655 for transmitting the amount of money confirmation unit 650 (or the amount of money confirmation means), the customer account (or cache operating account) information and the amount of money information to the account relay server 683 provided at the financial company (Or information transfer means) and from a customer account bridged with the customer account (or cache operating account) through the account accounting system 690 provided to the financial company in the account relay server 683. When the withdrawal of the prepaid amount is deposited (or transferred) into the fund management account of the non-financial partner, the history receiver 660 which receives transaction details corresponding to the deposit (or transfer) transaction from the account system 690. (Or details receiving means), a transaction approval confirming unit 665 (or transaction approval confirming means) for checking whether the deposit (or transfer) transaction is normally processed by reading the transaction history information, and the deposit (or transfer) transaction. When confirming the transaction approval for, confirm the customer account (or cache operating account) bridged with the customer account in association with the account bridge D / B (675), and the received transaction through the affiliate cache system (605) Through the history processing unit 670 (or history processing means) for processing the history information as the charge history of the customer account (or cache operating account) and the affiliate cache system 605 through the charging It is characterized by comprising a payment processing unit 673 (or payment processing means) for processing and applying the details as the account bridge-based payment history information, and transmits the payment history information to the customer terminal 695, When the transaction approval confirmation of the deposit (or transfer) transaction is not confirmed by the transaction approval confirmation unit 665, the payment processing unit 673 may transmit transaction history information including transaction unauthorized information on the deposit (or transfer) transaction to the account. It is characterized in that the processing based on the bridge-based payment history information transmitted to the customer terminal (695).

When the payment request information is received from the customer terminal 695, and the validity of the non-face-to-face transaction for payment through the remote account bridge between the affiliate cache system 605 and the account accounting system 690 is verified, the amount of the check Part 650 is a charge to withdraw (or transfer) money from the customer account bridged with the customer account (or cash management account) to the fund management account of the non-financial affiliates to be charged to the customer account (or cash management account). It is characterized by checking the amount information or calculating according to a preset calculation formula.

In the cache payment system using the cash balance mirroring shown in FIG. 6, the charge amount may include price information obtained by converting the cash corresponding to the payment amount information into real money units.

When the amount of money information to be withdrawn from the customer account bridged with the customer account (or cash management account) through the charge amount confirmation unit 650 to be charged to the customer account (or cash management account) is confirmed (or calculated), The information transmission unit 655 confirms the customer account (or cache operating account) information included in the payment request information, or the customer account (or cache operating account) in association with the account bridge D / B 675. The account relay server 683 checks the information and provides the customer account (or cache operating account) information and the charge amount information through the remote account bridge between the affiliate cache system 605 and the account accounting system 690. It characterized in that the transmission to.

Thereafter, the account relay server 683 withdraws the recharge amount from the customer account bridged with the customer account (or a cash management account) through the account accounting system 690 provided at the financial company to finance the non-financial affiliates. Deposit (or transfer) to the operating account, and transmits transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 610, and correspondingly, the details receiving unit 660 is the account system ( 690) from the transaction history information corresponding to the deposit (or transfer) transaction.

If transaction history information including transaction approval information is received through the history receiver 660, the transaction approval confirmation unit 665 reads the transaction history information and checks whether the deposit (or transfer) transaction is normally processed. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction is normally processed, the details processing unit 670 checks the customer account (or the cache operating account) bridged with the customer account in connection with the account bridge D / B 675. And processing the received transaction details through the affiliate cache system 605 as the charges of the customer account (or the cache operating account), thereby storing the affiliate transaction system 605. It is desirable that the actual payment procedure for remote account bridge based cache payment processing between the account system 690 is completed.

The payment processor 673 changes the charging details to the payment details (or stores them in a storage medium that stores payment details) for managing payment details through the affiliate cache system 605, thereby allowing the affiliate cache system 605. The payment amount is processed as a payment using the cash balance corresponding to the recharge amount, and the payment history information is transmitted to the customer terminal 695.

On the other hand, if it is confirmed that the deposit (or transfer) transaction is normally processed, the payment processor 673 converts the transaction history information including transaction unauthorized information on the deposit (or transfer) transaction into the account bridge based payment history information. Process and transmit to the customer terminal 695.

7 is a diagram illustrating a remote account bridge-based cache payment request process between the affiliate cache system 605 and the account accounting system 690 according to the first embodiment of the present invention.

In more detail, Figure 7 is connected to the affiliate server 600 having an affiliate cache system 605 in the customer terminal 695 to purchase one or more types or intangible goods, and the purchase price for the purchased product When the payment request is made through the affiliate cache system 605, the account bridge server 610 shown in FIG. 6 provides an account bridge based cache payment interface for the account bridge based cache payment from the account bridge server 610 to the customer terminal 695. And inputting (or selecting) payment request information through an account bridge based cache payment interface in the client terminal 695, and specifically, the affiliate cache system 605 in the account bridge based cache payment interface. The balance of the customer's account (or cached account) and the remotely bridged customer's account And a method of mirroring a smaller amount to the cache balance to display the cache balance.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to modify various aspects of the remote account bridge based cache payment request process between the affiliate cache system 605 and the account accounting system 690. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the customer terminal 695 shown in FIG. 6 is referred to as a "terminal" for convenience, and the account bridge server 610 is referred to as a "server" for convenience.

Referring to FIG. 7, the terminal accesses an affiliate server 600 having an affiliate cache system 605 to purchase one or more types or intangible products, and purchases the purchase price for the purchased products from the affiliate cache system. If requested to make a payment through 605 (700), the server correspondingly connects the communication channel with the terminal, and generates an account bridge-based cache payment interface to provide to the terminal for the account bridge-based cache payment (705).

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art will be familiar with the technical features of the form form for inputting (or selecting) the payment request information based on the information attribute of the payment request information. In FIG. 7, a detailed description of a form form corresponding to the account bridge based cache payment interface will be omitted for convenience.

In this case, the account bridge-based cache payment interface is a cash balance of the lesser of the balance of the customer account (or cache operating account) of the affiliated cash system 605 and the customer account that is remotely bridged and the predetermined charge setting amount It is preferable to include the cash balance information displayed by mirroring, it is preferable to display the payment amount corresponding to the purchase price, and to further display the customer account (or cache operating account) information for the cash balance, In accordance with the intention of the shopping cart is preferably made to further include information on the product.

According to an embodiment of the present invention, the account bridge-based cash payment interface compares the cash balance with the payment amount, and if the cash balance is smaller than the payment amount, within the balance limit (or withdrawal limit) amount of the customer account. It is preferable that further comprises a cache balance adjustment interface for mirroring by adding the cache balance above the payment amount.

In addition, the account bridge-based cache payment interface to pay the amount of payment through a remote account bridge between the affiliate cache system 605 and the account accounting system 690, or to cache the affiliate cache system 605 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system 685 provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 685 provided in the financial company, register the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

When the account bridge-based cache payment interface is generated (or extracted), the server may provide charge setting amount information for the customer account (or cache operating account) registered with the affiliate cache system 605 and the customer account information bridged. Check the balance information of the customer account (710).

According to an embodiment of the present invention, the server preferably checks the charge setting amount information for the customer account information bridged with the customer account (or cache operating account) in connection with the account bridge D / B 675. If the charge setting amount information is stored in the account relay server 683 provided at the financial institution, the server may be configured to perform the account relay server (e.g., a remote account bridge between the affiliate cache system 605 and the account accounting system 690). From 683, it is preferable to check the charge setting amount information for the customer account information associated with the customer account (or the cash management account).

The server may check balance information of the customer account in connection with the account relay server 683 through a remote account bridge between the affiliate cache system 605 and the account accounting system 690. If the customer account balance is stored in synchronization with the account bridge D / B 675 via a remote account bridge between the system 605 and the accounting system 690, the server may be configured from the account bridge D / B 675. It is preferable to check the balance information for the customer account bridged with the customer account (or cash management account).

If the charge setting amount information for the customer account information bridged with the customer account (or the cache operation account) is confirmed, and the balance information for the customer account bridged with the customer account (or the cache operation account) is confirmed (715) ), The server compares the charge setting amount information with the customer account balance information and checks the smaller amount as the cache balance information for the customer account (or the cache operating account) (720), and the account bridge based cache payment interface After displaying the confirmed cache balance information at 725, the account balance-based cache payment interface displaying the cache balance information is transmitted to the terminal (730).

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

The terminal provided with the account bridge based cache payment interface checks whether the account bridge based cache payment is requested through the account bridge based cache payment interface (735), and if the account bridge based cache payment is requested (740), The payment request information is transmitted to the server through the account bridge based cache payment interface (745).

According to the exemplary embodiment of the present invention, the payment request information may include one or more customer account (or cache operating account) information, payment amount information, and affiliate information for operating the affiliate cache system 605. .

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 605 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cash management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 605, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the terminal accessing the affiliate server 600, and the payment amount information is the affiliate cache system for cache-based payment processing. It is preferable to include the cache information corresponding to the monetary unit of 605.

The affiliate information preferably includes affiliate identification information corresponding to the affiliate server 600 that operates the affiliate cache system 605.

8 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache payment between the affiliate cache system 605 and the account system 690 according to the first embodiment of the present invention.

In more detail, in FIG. 8, an account bridge based cache payment interface is provided to the customer terminal 695 through the account bridge based cache payment request process shown in FIG. 7, or the account bridge from the customer terminal 695. After the payment request information is transmitted through the based cache payment interface, the remote account bridge between the affiliate cache system 605 and the accounting system 690 based on the non-face-to-face authentication interface included in the account bridge based cache payment interface. As a process of verifying non-face-to-face transaction validity for a cash payment based on the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 8 and the affiliate cache system 605. In the process of non-face-to-face transaction validation for remote account bridge-based cache payments between account systems 690 Would be able to infer a variety of exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the customer terminal 695 shown in FIG. 6 is referred to as "terminal" for convenience, and the account bridge server 610 is referred to as "server" for convenience.

Referring to FIG. 8, an account bridge based cache payment interface is provided to the customer terminal 695 through the account bridge based cache payment request process shown in FIG. 7, or the account bridge based from the customer terminal 695. After the payment request information is transmitted through the cache payment interface, the terminal uses the non-face-to-face authentication interface included in the account bridge based cache payment interface to establish a remote account bridge based between the affiliate cache system 605 and the account system 690. In operation 800, the non-face-to-face authentication information for checking the validity of the non-face-to-face transaction for cash payment is input.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (685) provided in the financial company opened the customer account, authentication certificate based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered through the non-face-to-face authentication system 685 provided in the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 605 (or account bridge system).

If non-face-to-face authentication information for confirming the face-to-face transaction validity for the remote account bridge-based cache payment between the affiliate cache system 605 and the account accounting system 690 is input through the face-to-face authentication interface (805), the The terminal transmits the input non-face-to-face authentication information to the server through the non-face-to-face authentication interface (810).

When the non-face-to-face authentication information includes one or more encryption / decryption-based authentication information, public certificate-based authentication information, one-time password, transaction password, and account password according to an embodiment of the present invention, the non-face-to-face authentication information may be used by the financial company. It is possible to be sent directly to the non-face-to-face authentication system 685, whereby the present invention is not limited.

Thereafter, the server pays the payment amount through the remote account bridge between the affiliate cache system 605 and the account accounting system 690 through the received non-face-to-face authentication information, or of the affiliate cache system 605. The cache is replaced (or relayed) with the balance of the customer account bridged with the customer account (or the cache operating account) to verify the non-face-to-face transaction validity for payment of the payment amount (815).

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 685 provided to the financial company is received according to an exemplary embodiment of the present invention, the server may provide the non-face-to-face authentication information to the financial company. 685 to transmit the payment amount through a remote account bridge between the affiliate cache system 605 and the account accounting system 690, or the cache of the affiliate cache system 605 is stored in the customer account ( Or by replacing (or relaying) the balance of the customer account bridged with the cash management account) and authenticating the non-face-to-face transaction validity for the payment of the payment amount.

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates a random authentication number and transmits it to the customer wireless terminal, Receives the authentication number entered through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal and the received authentication number and the affiliated cache system 605 Payment of the payment amount through a remote account bridge between account accounting systems 690, or replacing the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or cache operating account) It is preferable to authenticate the non-face-to-face transaction validity for the payment of the payment amount.

According to another exemplary embodiment of the present invention, when non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 605 (or the account bridge system) is received, the server provides the non-face-to-face authentication information. Comparing the ID / PW information stored in the member information D / B (not shown) to settle the payment amount through a remote account bridge between the affiliate cache system 605 and the account system 690, or the affiliate cache It is desirable to replace (or relay) the cache of the system 605 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for paying the payment amount.

If the non-face-to-face transaction validity for the account bridge based cache payment is not confirmed through the non-face-to-face authentication information (820), the server transmits the non-face-to-face authentication error information to the terminal through the communication channel (825).

On the other hand, if the non-face-to-face transaction validity for the account bridge-based cache payment is confirmed through the non-face-to-face authentication information (820), the server transmits the non-face-to-face authentication result information to the terminal through the communication channel (830).

9 is a diagram illustrating a remote account bridge based cache settlement process between the affiliate cache system 605 and the account accounting system 690 according to the first embodiment of the present invention.

In more detail, in FIG. 9, an account bridge based cache payment interface is provided to the customer terminal 695 through the account bridge based cache payment request process illustrated in FIG. 7, and then the account bridge based on the account bridge 695. When requesting an account bridge-based cash payment through the cache payment interface and validating the non-face-to-face transaction for the account bridge-based cash payment through the non-face-to-face transaction validation process shown in FIG. 8, the process shown in FIG. The account bridge server 610 interworks with the account relay server 683 provided to the financial company to remotely bridge the affiliate cache system 605 and the account accounting system 690 to process payment through the affiliate cache system 605. As for those skilled in the art to which the present invention pertains, reference is made to FIG. 9 and / or Alternatively, it may be modified to infer various implementation methods for the remote account bridge-based cache payment process between the affiliate cache system 605 and the account accounting system 690, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the customer terminal 695 shown in FIG. 6 is referred to as "terminal" for convenience, and the account bridge server 610 is referred to as "server" for convenience.

Referring to FIG. 9, the client terminal 695 requests an account bridge based cache payment through the account bridge based cache payment request process shown in FIG. 7, and performs a non-face-to-face transaction validation process shown in FIG. 8. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated, the server checks whether the account bridge based cache payment is requested from the terminal (900), and if the account bridge based cache payment request is verified ( In operation 905, the server checks (or calculates) the amount of charge information to be withdrawn from the customer account bridged with the customer account (or the cache operation account) and charged to the customer account (or the cache operation account) (910).

If the amount of money information to be withdrawn from the customer account bridged with the customer account (or cash management account) and charged to the customer account (or cash management account) is confirmed (or calculated) (915), the server caches the affiliate cache. Through the remote account bridge between the system 605 and the accounting system 690, the customer account (or cache operating account) information and the recharge amount information are transmitted to the account relay server 683 provided at the financial institution (920).

Thereafter, the server checks whether the transaction history information for the recharge amount information is received from the account relay server 683 provided in the financial company (925).

If the transaction history information on the charge amount information is received from the account relay server 683 (930), the server reads the transaction history information and confirms whether the transaction is approved (935).

If the transaction approval result is not confirmed in the verification result (940), the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system (605) (945). In operation 960, payment history information regarding the account bridge-based cache payment is transmitted to the terminal.

On the other hand, if the confirmation of the transaction approval of the transaction history information is confirmed (940), the server processes the transaction history information as the charging history of the affiliate cache system 605 and applies (950), the charge history After replacing and applying the payment details for the account bridge based cache payment (955), the payment history information for the account bridge based cache payment is transmitted to the terminal and output (960).

FIG. 10 illustrates a remote account bridge based reservation payment system between an affiliate cache system 1005 and an account system 1093 according to a first embodiment of the present invention.

In more detail, FIG. 10 illustrates that a customer terminal 1095 accesses an affiliate server 1000 having an affiliate cache system 1005 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When the payment request is made through the affiliate cache system 1005, an account bridge based cache payment interface is provided to the customer terminal 1095 for an account bridge based cache payment, and the account bridge based cache is provided at the customer terminal 1095. When the payment request information is input (or selected) through a payment interface, the payment request information is used to remotely bridge the affiliate cache system 1005 provided to the non-financial affiliate and the account system 1093 provided to the finance company. As a system configuration for pre-payment of the payment amount corresponding to the purchase price, specifically The smaller amount of the balance of the customer account (or cache operating account) and the remotely bridged customer account of the cash cache system 1005 and the preset charging setting amount is mirrored to the cache balance to be displayed as the cache balance. Thereafter, the withdrawal amount within the cash balance limit from the customer account (or the cash management account) and the remotely bridged customer account is withdrawn by prepayment or withdrawal payment by either prepayment or prepayment. It is about the implementation method.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 10 to make various arrangements for configuring a remote account bridge based reservation payment system between the affiliate cache system 1005 and the accounting system 1093. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, a remote account bridge based reservation payment system between the affiliate cache system 1005 and the account system 1093 includes one or more browser programs, and through the browser program. One or more types or intangibles of the customer terminal 1095 connected to a communication network and the customer terminal 1095 through the communication network, and when connected through the communication network from the customer terminal 1095 to the customer terminal 1095. Cache-based payment for the payment amount of the product sold by the affiliate server 1000 based on the funds deposited in the affiliate management server 1000 that sells the product and the non-financial partner's fund management account opened at the financial institution. Affiliate cache system 1005 to process and the purchase price for the goods purchased in the customer terminal 1095 through the affiliate cache system 1005 When requesting a non-payment, the client terminal 1095 provides an account bridge-based cache payment interface for account bridge-based cache payment, and the customer terminal 1095 receives payment request information through an account bridge-based cache payment interface. When inputting (or selecting) and transmitting, through the payment request information, the affiliate cash system 1005 provided to the non-financial partner and the account system 1093 provided to the financial company are remotely bridged to make payment corresponding to the purchase price. An account bridge server 1010 (= functional name of the account bridge system) that processes payments, and an account bridge server 1010 for remote account bridge based cache payments between the affiliate cache system 1005 and the account accounting system 1093 The account relay server 1087 (= functional name of the account relay system) provided to the financial company to interoperate with the non-financial sector; It is characterized in that it comprises an account management system 1093 for operating a partner's funds management account and one or more customer accounts.

However, in FIG. 10, the account bridge server 1010 is illustrated as being formed in one server form for convenience. However, the present invention is not limited thereto, and the account bridge server 1010 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

In other words, it is apparent that the account bridge server 1010 corresponds to a functional name of the account bridge system shown in FIG. 1 and is not limited to a physical name.

The customer terminal 1095 may be configured through a transmission control protocol / Internet protocol (TCP / IP) based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a notebook computer connected to the account bridge server 1010 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP-TV including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired or wireless communication networks. Or at least one TV device (not shown) including at least one digital TV or DMB. And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Persons of ordinary skill in the art to which the present invention pertains know the technical features of the customer terminal 1095 including one or more of the wired terminal or the wireless terminal or a TV device (not shown). The detailed description is omitted for convenience.

According to an embodiment of the present invention, the account bridge server 1010 may include web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 1095. And a database for storing the data, wherein the database is provided in a database management system (DBMS) associated with the account bridge server 1010.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided from the account bridge server 1010 to the customer terminal 1095. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 1095 It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, a web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided from the account bridge server 1010 to the customer terminal 1095. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page content) may be included. In this case, the web page provided to the customer terminal 1095 may include one or more web pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

According to another exemplary embodiment of the present invention, the webpage operation data is in addition to the account bridge server 1010 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 1095. The affiliated server 1000, the affiliated cache system 1005, and the gateway 1085 may be provided, and the present invention provides the webpage operation data to the affiliated server 1000 and the affiliated cache system 1005. It should be clear that the method includes any implementation method provided in any one of the gateways 1085.

According to an embodiment of the present invention, the account bridge server 1010 stores the customer account (or cache operating account) information and customer account information registered through the account registration system shown in FIG. It is preferable to have an account bridge D / B 1083 for storing information and at least one wireless terminal information in association with each other, or to interwork through a network, and the account bridge D / B 1083 may be used in the customer account ( Or store the cash balance information corresponding to the cash management account more in association with each other, or add the charge setting amount information and withdrawal limit amount information corresponding to the customer account information bridged with the customer account (or the cash management account) remotely. It is desirable to store in conjunction.

Here, the cache balance information is balance information of a cache stored, recorded, and managed through the customer account (or a cache operating account) among the amounts deposited in the fund management account in the affiliate cache system 1005. In the cash payment system using the cash balance mirroring shown in FIG. 3, the cash balance always includes '0' unless a refund of the previous reservation payment according to the reservation payment method occurs after the prepayment. When the cash balance is displayed as 1095, it is preferable that a smaller amount of the set amount of charge and the customer account balance is displayed as the cash balance.

If a refund of the previous reservation payment according to the reservation payment method occurs after the prepayment, the cash balance preferably includes a cash balance corresponding to the amount of the prepayment (= refund amount).

According to an exemplary embodiment of the present invention, when the cash balance includes a cash balance corresponding to a previously prepaid amount (= refund amount), the cash balance displayed on the account bridge based cache payment interface is set to the charge setting. The smaller amount of the amount and the customer account balance is preferably represented by the cash balance of the customer account (or cache operating account).

According to an exemplary embodiment of the present invention, when the cash balance includes a cash balance corresponding to a previously prepaid amount (= refund amount), the cash balance displayed on the account bridge based cache payment interface is set to the charge setting. It is preferable that the sum of the prepaid amount (= refund amount) added to the smaller amount of the amount and the customer account balance is displayed as the cash balance of the customer account (or the cash management account).

According to another exemplary embodiment of the present invention, when the account balance server 1010 checks the cash balance through the affiliate cache system 1005, the cache balance information may be omitted in the account bridge D / B 1083. The present invention is not limited thereto.

The charge setting amount information is withdrawn from the customer account bridged with the customer account (or cash management account) when the non-financial partner payment processing of the payment amount using the affiliate cache system 1005 in the name of the non-financial affiliate An amount set to be deposited (or transferred) into a fund management account, the cache setting system of the cash balance mirroring system shown in FIG. 10 corresponding to the cash balance to be displayed on the customer terminal 1095 in the cash setting system. The amount of money to be withdrawn (or transferred) from a customer account bridged with a customer account (or a cash management account) to a fund management account in the name of the non-financial partner is equal to the amount of payment within the customer account balance (or withdrawal limit amount). It is preferable to set automatically.

The withdrawal limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 1005. As the limit amount to be deposited (or transferred) into the fund management account, the withdrawal limit amount preferably includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

If the charge setting amount information and withdrawal limit amount information are stored in the account relay D / B provided to the financial company, the charge setting amount information and withdrawal limit amount information is stored in the account bridge D / B 1083. Can be omitted, and the present invention is not limited thereto.

Referring to FIG. 10, the account bridge server 1010 provides a web page to the customer terminal 1095 using an HTTP compatible protocol corresponding to the communication network, or based on a web page provided to the customer terminal 1095. It characterized in that it comprises a web interface unit 1015 for connecting and managing a web interface for receiving (or selected) a variety of information input (or selected) from the customer terminal (1095).

According to an embodiment of the present invention, when the customer terminal 1095 is a wired terminal in which a communication channel is connected through a TCP / IP based wired communication network, the web interface unit 1015 may communicate with the customer terminal 1095 and TCP /. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 1095 through the communication channel. It is preferable to interface so that a web page of a form of) is provided or to receive information input from the customer terminal 1095 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the customer terminal 1095 is a wireless terminal to which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 1015 may communicate with the customer terminal 1095 and CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 1095 through the communication channel. ) To interface with a web page in the form of an HTML compatible document (eg, * .wml, * .htm), or interface so that information input from the customer terminal 1095 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 1095 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 1015 may include the customer terminal 1095 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or the information input from the customer terminal 1095 is preferably interfaced to be received in a GET / POST method.

According to another exemplary embodiment of the present invention, the web interface unit 1015 provides the account bridge server 1010 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 1095. ), The affiliate server 1000, the affiliate cache system 1005, the gateway 1085 may be provided in any one of the present invention, the web interface unit 1015 is the affiliate server 1000, affiliates It is apparent that the cache system 1005 and the gateway 1085 include all implementation methods.

Referring to FIG. 10, the customer terminal 1095 accesses an affiliate server 1000 having an affiliate cache system 1005 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 1005, the account bridge server 1010 generates (or extracts) a webpage to be provided to the customer terminal 1095 based on the webpage operation data. Account bridge based cache payment for the account bridge based cache payment on the web page management unit 1020 (or web page operation means) and the web page generated (or extracted) in association with the web page operation unit 1020 And an interface providing unit 1025 (or an interface providing means) including an interface, wherein the web page operating unit 1020 is the web in. In conjunction with the interface unit 1015 to the Web page the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (1095).

According to another exemplary embodiment of the present invention, the webpage operation unit 1020 and the interface provider 1025 provide an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 1095. According to the account bridge server 1010, in addition to the affiliate server 1000, the affiliate cache system 1005, it may be provided in any one of the gateway 1085, the present invention is the web page management unit 1020 ) And the interface provider 1025 includes all the implementation methods provided in any one of the affiliate server 1000, the affiliate cache system 1005, and the gateway 1085.

A payment means for accessing an affiliate server 1000 having an affiliate cache system 1005 from the client terminal 1095 to purchase one or more types or intangible products, and to process a purchase price for the purchased product. When the payment request corresponding to the purchase price is requested to be paid through the affiliate cache system 1005 based on a payment method selection interface for selecting a payment, the webpage operation unit 1020 may execute the affiliate cache system 1005. A web page link to be provided to the customer terminal 1095 for remote account bridge-based payment processing between the account system 1093 and generating a web page corresponding to the confirmed web page link from the web page operation data. (Or extract) the web page source and the web content to be identified, and use the identified web page source and the web content to A web page to be provided in the customer terminal (1095) is characterized in that to generate (or extract).

When the webpage operation unit 1020 generates (or extracts) a webpage to be provided to the customer terminal 1095 for remote account bridge based payment processing between the affiliate cache system 1005 and the account accounting system 1093, The interface providing unit 1025 may be provided to the customer terminal 1095 including the account bridge based cache payment interface in connection with the webpage operation unit 1020. .

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those of ordinary skill in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 1095 based on the information attributes of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 10 will be omitted for convenience.

In this case, the account bridge-based cache payment interface is a cash balance of the lesser of the balance of the customer account (or cache operating account) and the customer account of the affiliated cache system 1005 and the customer account that is remotely bridged and the predetermined charge setting amount. It is preferable to include the cash balance information displayed by mirroring, it is preferable to display the payment amount corresponding to the purchase price, and to further display the customer account (or cache operating account) information for the cash balance, In accordance with the intention of the shopping cart is preferably made to further include information on the product.

According to an embodiment of the present invention, the account bridge-based cash payment interface compares the cash balance with the payment amount, and if the cash balance is smaller than the payment amount, within the balance limit (or withdrawal limit) amount of the customer account. It is preferable that further comprises a cache balance adjustment interface for mirroring by adding the cache balance above the payment amount.

In addition, the account bridge-based cache payment interface to pay the payment amount through a remote account bridge between the affiliate cache system 1005 and the account accounting system 1093, or to cache the affiliate cache system 1005 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (1090) provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system (1090) provided in the financial company registers the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

In addition, the account bridge-based cash payment interface further includes a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (eg, withdrawal payment after advance reservation or reservation payment after advance payment). It is preferable to comprise.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

Referring to FIG. 10, the account bridge server 1010 is bridged with the customer account (or cache operating account) when the interface providing unit 1025 generates (or extracts) the account bridge based cache payment interface. Check the charge setting amount information for the customer account information and the balance information of the customer account, and check the smaller amount of the charge setting amount information and the customer account balance as the cash balance information for the customer account (or the cache operating account) A cash balance check unit 1030 (or a cash balance check unit) and a cash balance display unit 1035 (or cache balance display unit) for displaying the checked cash balance information on the account bridge based cache payment interface. Characterized in that made.

When the interface providing unit 1025 generates (or extracts) the account bridge based cache payment interface, the cash balance checking unit 1030 is linked with the account bridge D / B 1083 to the customer account (or cache). Operating charge) and the charge setting amount information for the bridged customer account information, characterized in that, if the charge setting amount information is stored in the account relay server (1087) provided in the financial company, the cash balance check unit 1030 is a charge setting for the customer account information associated with the customer account (or cache operating account) from the account relay server 1087 through a remote account bridge between the affiliate cache system 1005 and the account accounting system 1093. Characterized in that the amount of money information.

In addition, the cash balance check unit 1030 confirms the balance information of the customer account in connection with the account relay server 1087 through a remote account bridge between the affiliate cache system 1005 and the account accounting system 1093. Characterized in that, if the customer account balance is stored in the account bridge D / B (1083) through the remote account bridge between the affiliate cache system 1005 and account accounting system 1093, the cache balance check unit ( 1030 may check the balance information of the customer account bridged with the customer account (or cache operating account) from the account bridge D / B (1083).

If the charge setting amount information for the customer account information bridged with the customer account (or cash management account) is confirmed, and the balance information for the customer account bridged with the customer account (or cash management account) is confirmed, the The cash balance checking unit 1030 may check a smaller amount of the charge setting amount information and the customer account balance as the cache balance information for the customer account (or the cache operating account).

When the cash balance information for the customer account (or cache operating account) is confirmed by the cash balance check unit 1030, the cash balance display unit 1035 may provide the checked cache balance information to the interface provider 1025. It is characterized in that the processing to be output through the customer terminal 1095 by including in the account bridge-based cache payment interface generated (or extracted).

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

Referring to FIG. 10, the account bridge server 1010 receives the payment request information when the customer terminal 1095 transmits the payment request information through the payment request interface included in the account bridge based cache payment interface. And an information receiving unit 1040 (or information receiving means).

When the client terminal 1095 receiving the webpage including the account bridge based cache payment interface transmits the payment request information for the account bridge based cache payment through the payment request interface included in the account bridge based cache payment interface The information receiving unit 1040 may receive the payment request information.

According to the exemplary embodiment of the present invention, the payment request information may include one or more customer account (or cache operating account) information, payment amount information, and affiliate information for operating the affiliate cache system 1005. According to the intention of the person skilled in the art, the purchase product information, payment method selection information through the payment method selection interface may be further included.

Here, the customer account information is a customer for identifying the amount deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system (1005) Preferably, the identification number includes member ID information of the customer.

Alternatively, the cache operation account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 1005, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The payment amount information, the customer terminal 1095 preferably comprises the purchase price information corresponding to the product purchased by accessing the affiliate server 1000, the payment amount information for cache-based payment processing Preferably, the affiliate cache system 1005 includes cache information corresponding to a currency unit.

Preferably, the affiliate information includes affiliate identification information corresponding to the affiliate server 1000 that operates the affiliate cache system 1005.

Referring to FIG. 10, if the account bridge server 1010 inputs and transmits non-face-to-face authentication information through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, the non-face-to-face authentication information is transmitted from the client terminal 1095. The payment amount is settled through an information receiving unit 1040 (or information receiving means) receiving face-to-face authentication information and a remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 through the non-face-to-face authentication information. Or replace (or relay) the cache of the affiliate cache system 1005 with the balance of the customer account bridged with the customer account (or cache operating account) to pay for the non-face-to-face transaction validity of the payment amount. It is characterized by comprising a transaction authentication processing unit 1045 (or transaction authentication processing means) for authenticating.

The client terminal 1095 provided with the webpage including the account bridge based cache payment interface receives non-face-to-face authentication information for the account bridge based cache payment through the non-face authentication interface included in the account bridge based cache payment interface. When inputting (or selecting) and transmitting, the information receiving unit 1040 may receive the non-face-to-face authentication information.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information, authentication certificate-based authentication information, for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system (1090) provided in the financial company opened the customer account, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered through the non-face-to-face authentication system 1090 provided in the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 1005 (or the account bridge system).

When the non-face-to-face authentication information for the account bridge-based cache payment is received through the information receiver 1040, the transaction authentication processor 1045 is connected to the affiliate cache system 1005 and the account system through the received non-face-to-face authentication information. Payment of the payment amount via a remote account bridge between systems 1093, or replacing the cache of the affiliate cache system 1005 with the balance of a customer account bridged with the customer account (or cache operating account) Relay) to authenticate the non-face-to-face transaction validity to pay the payment amount.

According to an embodiment of the present invention, when the non-face-to-face authentication information associated with the non-face-to-face authentication system 1090 provided in the financial company is received through the information receiving unit 1040, the transaction authentication processing unit 1045 is the non- Processing the face-to-face authentication information to be transmitted to the non-face-to-face authentication system 1090 provided in the financial company to settle the payment amount through a remote account bridge between the affiliate cache system 1005 and the accounting system 1093, or It is desirable to replace (or relay) the cache of the affiliate cache system 1005 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for the payment of the payment amount. .

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 1045 generates a random authentication number to the customer wireless Transmits to a terminal, receives an authentication number input through a non-face-to-face authentication interface included in the account bridge based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal with the received authentication number to cache the affiliated company cache. Payment of the payment amount through a remote account bridge between the system 1005 and the accounting system 1093, or the cache of the affiliate cache system 1005 of the customer account bridged with the customer account (or cache operating account) Verifying non-face-to-face transaction validity for paying the payment by replacing (or relaying) with the balance desirable.

According to another exemplary embodiment of the present invention, when the non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 1005 (or the account bridge system) is received through the information receiving unit 1040, The transaction authentication processing unit 1045 compares the non-face-to-face authentication information with ID / PW information stored in member information D / B (not shown) to establish a remote account bridge between the affiliate cache system 1005 and the account system 1093. To pay the amount of the payment through the payment, or to replace (or relay) the cache of the affiliate cache system 1005 with the balance of the customer account bridged with the customer account (or the cash management account) to settle the payment amount. It is desirable to authenticate non-face to face transactions.

Referring to FIG. 10, the account bridge server 1010 checks the charge amount information to be withdrawn from the customer account bridged with the customer account (or cache operating account) and charged to the customer account (or cache operating account) ( Or calculating) a charge amount confirmation unit 1050 (or charge amount confirmation means).

The recharge amount confirmation unit 1050 deposits the funds from the customer account bridged with the customer account (or the cash management account) to the customer account (or the cash management account) and transfers the funds to the fund management account of the non-financial affiliate. The amount of charge information to be transferred) is confirmed or calculated according to a preset calculation formula.

If a refund of the previous reservation payment according to the reservation payment method occurs after the prepayment occurs, the cash balance of the customer account (or the cash management account) includes the cash balance corresponding to the amount previously paid (= refund amount). In this case, the amount of the charge is preferably adjusted to the amount after deducting the cash balance from the confirmed (or calculated) amount.

In the cache payment system using the cash balance mirroring shown in FIG. 10, the charge amount may include price information in which a cash corresponding to the payment amount information is converted into real money units.

Referring to FIG. 10, the account bridge server 1010 may make a payment for the payment request information through a remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 in advance withdrawal payment method. To this end, the payment request information is received from the customer terminal 1095, the non-face-to-face transaction validity for payment through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is authenticated, the charging When the amount of money information to be withdrawn from the customer account bridged with the customer account (or cash management account) through the amount check unit 1050 to be charged to the customer account (or cash management account) is confirmed (or calculated), the payment To process the payment amount included in the request information within a predetermined time through the remote account bridge between the affiliate cache system 1005 and the account accounting system 1093. An information generating unit 1075 (or information generating means) for generating payment reservation information, and an account bridge D / B 1083 (by linking the customer account (or cache operating account) information, the charge amount information, and the payment reservation information); Or the information storage unit 1077 (or information storage means) stored in the affiliate cache system 1005, the payment amount through the payment reservation information and the customer communication means, and the affiliate cache system 1005 and the account system 1093. It is characterized in that it comprises a customer approval confirmation unit 1080 (or customer approval confirmation means) for confirming the customer approval for payment processing through the remote account bridge.

The payment request information is received from the customer terminal 1095, and the validity of the non-face-to-face transaction for payment through the remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 is authenticated, and the recharge amount is confirmed. When the amount of money information to be withdrawn from the customer account bridged with the customer account (or cache operating account) through the unit 1050 to be charged to the customer account (or cache operating account) is confirmed (or calculated), the information generating unit 1075 is a reservation payment expiration date information and automatic payment setting information for processing a payment amount included in the payment request information through a remote account bridge between the affiliate cache system 1005 and the accounting system 1093 within a predetermined time; , Payment instruction information, customer approval password, customer communication means information one or more, and included in the payment request information according to the intention of the skilled person The amount of information to include (or the charged amount information) and affiliate information and purchases more information characterized by generating a payment schedules.

Here, the reservation payment expiration date and time information includes one or more date information and time information when the reservation payment of the withdrawal payment method expires after the pre-booking, and the payment amount included in the payment request information after the reservation payment expiration date and time. It is preferable that the payment processing for is automatically canceled or processed so as to be automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing through the remote account bridge between the affiliate cache system 1005 and the accounting system 1093 is preferably automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or generated) or registered through an information registration procedure such as an account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 1000 (or affiliate cache system 1005). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable to include terminal information, and it is preferable to include one or more information for receiving customer approval request information (or message), such as customer mail address information, messenger account information, etc. according to the intention of a person skilled in the art.

When payment reservation information is generated through the information generation unit 1075, the information storage unit 1077 generates the customer account (or cache operating account) information, the charge amount information, and the information generation unit 1075. The payment reservation information is linked and stored in the account bridge D / B 1083 (or affiliate cache system 1005).

The information storage unit 1077 stores the customer account (or cache operating account) information, the charge amount information, and the payment reservation information in the account bridge D / B 1083 (or the affiliate cache system 1005). When the customer approval confirmation unit 1080 checks the reservation payment expiration date and time information included in the payment reservation information in connection with the account bridge D / B 1083 (or the affiliate cache system 1005), the reservation is made. Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a payment expiration date and including a password input interface for inputting and transmitting the customer approval password; Characterized in that the transmission to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including a callback UEL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 1080 is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to the customer wireless terminal information, or Receive the customer approval password input through the password input interface from the terminal receiving the mail, or a terminal using a messenger, and the received customer approval password and the account bridge D / B (1083) (or affiliate cache system ( 1005) to confirm the customer approval for payment processing through the remote account bridge between the affiliate cash system (1005) and the account system (1093) by comparing with the customer approval password of the payment reservation information stored in .

Referring to FIG. 10, the account bridge server 1010 may confirm the customer approval for the reservation payment by the customer approval confirming unit 1080 or may be performed by the automatic payment processing information included in the payment reservation information. If the reservation payment is automatically approved, the information transmission unit 1055 (or information transmission means) for transmitting the customer account (or cache operating account) information and the amount of charge information to the account relay server 1087 provided in the financial company; In the account relay server 1087, withdraw the charge from the customer account bridged with the customer account (or cache operating account) through the account system 1093 provided to the financial company, the fund management account of the non-financial affiliate In the case of depositing (or transferring) the transaction, the details receiving unit 1060 (or the details) for receiving transaction details corresponding to the deposit (or transfer) transaction from the account system 1093. New means), a transaction approval confirming unit 1065 (or transaction approval confirming means) which reads the transaction history information and confirms that the deposit (or transfer) transaction is normally processed, and a transaction for the deposit (or transfer) transaction. Upon confirming the approval, confirm the customer account (or cache operating account) bridged with the customer account in association with the account bridge D / B 1083, and receive the received transaction history information through the affiliate cache system 1005. Process the charges as the account bridge-based payment history information through the history processing unit 1073 (or a history processing means) to process the charges of the customer account (or cache operating account) and the affiliate cache system 1005. And a payment processing unit (or payment processing means) for transmitting the payment history information to the customer terminal 1095, and the transaction. When the transaction approval for the deposit (or transfer) transaction is not confirmed by the approval confirmation unit 1065, the payment processing unit transfers the transaction history information including the transaction unauthorized information for the deposit (or transfer) transaction to the account bridge-based payment history. The information is processed and transmitted to the customer communication means.

When the customer approval for the reservation payment is confirmed by the customer approval confirming unit 1080 or the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, the information transmitting unit 1055 Checks the customer account (or cache operating account) information included in the payment request information, or checks the customer account (or cache operating account) information in association with the account bridge D / B 1083, and the affiliate The customer account (or cache operating account) information and the charge amount information are transmitted to the account relay server 1087 provided at the financial institution through the remote account bridge between the cache system 1005 and the accounting system 1093. .

Thereafter, the account relay server 1087 withdraws the recharge amount from the customer account bridged with the customer account (or a cash management account) through the account system 1093 provided at the financial company to fund the non-financial partner. Deposit (or transfer) an operating account, and transmit transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 1010. In response, the history receiving unit 1060 transmits the account system 1093. ) From the transaction history information corresponding to the deposit (or transfer) transaction.

If transaction history information including transaction approval information is received through the history receiver 1060, the transaction approval confirmation unit 1065 reads the transaction history information to check whether the deposit (or transfer) transaction is normally processed. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction has been processed normally, the details processing unit 1073 checks the customer account (or cache operating account) bridged with the customer account in connection with the account bridge D / B 1083. And, through the affiliate cache system 1005 characterized in that the received transaction history information to be processed and stored as the charge history of the customer account (or cache operating account).

The payment processing unit changes the charging details to the payment details (or stores them in a storage medium that stores payment details) for managing payment details through the affiliate cache system 1005, and thereby through the affiliate cache system 1005. The payment amount is processed as a payment using the cash balance corresponding to the charge amount, and the payment history information is transmitted to the customer terminal 1095.

On the other hand, when it is confirmed that the deposit (or transfer) transaction is processed normally, the payment processing unit processes the transaction history information including transaction unauthorized information on the deposit (or transfer) transaction as the account bridge based payment history information to the customer. Characterized in that the transmission to the communication means.

Referring to FIG. 10, the account bridge server 1010 may make a payment for the payment request information through a remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 in a prepaid and after payment method. To this end, the payment request information is received from the customer terminal 1095, the non-face-to-face transaction validity for payment through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is authenticated, the charging When the amount of money information to be withdrawn from the customer account bridged with the customer account (or cash management account) through the amount check unit 1050 to be charged to the customer account (or cash management account) is confirmed (or calculated), the customer Information transmission unit 1055 (or information transmission means) for transmitting the account (or cache operating account) information and the amount of charge information to the account relay server 1087 provided in the financial institution In the account relay server 1087, withdraw the charge from the customer account bridged with the customer account (or cache operating account) through the account system 1093 provided to the financial company to manage the funds of the non-financial affiliates. When depositing (or transferring) into an account, a history receiver 1060 (or a history receiving unit) for receiving transaction details corresponding to the deposit (or transfer) transaction from the account system 1093 and the transaction history information. After reading and confirming the transaction approval confirmation unit 1065 (or transaction approval confirming means) for confirming that the deposit (or transfer) transaction is normally processed, and confirming the transaction approval for the deposit (or transfer) transaction, the payment request information Example of payment for processing the included payment amount through the remote account bridge between the affiliate cache system 1005 and account accounting system 1093 within a predetermined time An information generation unit 1075 (or information generating means) for generating medicine information, and an account bridge D / B 1083 (or information) by linking the customer account (or cache operating account) information, the charge amount information, and the payment reservation information. An information storage unit 1077 (or information storage means) stored in the affiliate cache system 1005, and the affiliate cash system 1005 and the account system 1093 through the payment reservation information and the customer communication means. It is characterized in that it comprises a customer approval confirmation unit 1080 (or customer approval confirmation means) for confirming the customer approval for payment processing through the remote account bridge, the deposit by the transaction approval confirmation unit 1065 ( Or transfer) when transaction approval is not confirmed for the transaction, the transaction history information including transaction unauthorized information on the deposit (or transfer) transaction is processed as the account bridge-based payment history information. Characterized in that obtained by having a payment processing unit for transmission by the communication means.

The payment request information is received from the customer terminal 1095, the non-face-to-face transaction validity for the payment through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is authenticated, the charge amount When the information about the amount of money to be withdrawn from the customer account bridged with the customer account (or the cash management account) through the verification unit 1050 and charged to the customer account (or the cash management account) is confirmed (or calculated), the information is transmitted. The unit 1055 confirms the customer account (or cache operating account) information included in the payment request information or checks the customer account (or cache operating account) information in connection with the account bridge D / B 1083. In addition, the financial institution includes the customer account (or cache operating account) information and the charge amount information through the remote account bridge between the affiliate cache system 1005 and the account system 1093. It characterized in that it sent to the relay server account (1087).

Thereafter, the account relay server 1087 withdraws the recharge amount from the customer account bridged with the customer account (or a cash management account) through the account system 1093 provided at the financial company to fund the non-financial partner. Deposit (or transfer) an operating account, and transmit transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 1010. In response, the history receiving unit 1060 transmits the account system 1093. ) From the transaction history information corresponding to the deposit (or transfer) transaction.

If transaction history information including transaction approval information is received through the history receiver 1060, the transaction approval confirmation unit 1065 reads the transaction history information and checks whether the deposit (or transfer) transaction is normally processed. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction is normally processed, the information generating unit 1075 may determine the amount of payment included in the payment request information between the affiliate cache system 1005 and the account system 1093 within a predetermined time. Includes one or more transaction history information, reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, customer communication means information received through the history receiver 1060 to process payment through a remote account bridge And, according to the intention of those skilled in the art characterized in that the payment reservation information further comprises the payment information (or the charge amount information), the partner information and the purchase product information included in the payment request information.

Here, the transaction history information is the customer account (or cache operation) to process the payment amount included in the payment request information through the remote account bridge between the affiliate cache system 1005 and accounting system 1093 within a predetermined time period. Account) and a transaction history of withdrawing (or transferring) the charged amount from the customer account bridged with the non-financial partner's fund management account.

The reservation payment expiration date and time information includes one or more date information and time information when the reservation payment of the withdrawal reservation method expires, and after the reservation payment expiration date, the payment amount included in the payment request information It is preferable to process the payment processing to be automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing through the remote account bridge between the affiliate cache system 1005 and the accounting system 1093 is preferably automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or generated) or registered through an information registration procedure such as an account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 1000 (or affiliate cache system 1005). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When payment reservation information is generated through the information generation unit 1075, the information storage unit 1077 generates the customer account (or cache operating account) information, the charge amount information, and the information generation unit 1075. The payment reservation information is linked and stored in the account bridge D / B 1083 (or affiliate cache system 1005).

According to another exemplary embodiment of the present invention, the information storage unit 1077 may process the transaction history information as a charge history for the charge amount information and store the transaction details in the affiliate cache system 1005, thereby. The present invention is not limited.

The information storage unit 1077 stores the customer account (or cache operating account) information, the charge amount information, and the payment reservation information in the account bridge D / B 1083 (or the affiliate cache system 1005). When the customer approval confirmation unit 1080 checks the reservation payment expiration date and time information included in the payment reservation information in connection with the account bridge D / B 1083 (or the affiliate cache system 1005), the reservation is made. Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a payment expiration date and including a password input interface for inputting and transmitting the customer approval password; Characterized in that the transmission to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 1080 is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to the customer wireless terminal information, or Receive the customer approval password input through the password input interface from the terminal receiving the mail, or a terminal using a messenger, and the received customer approval password and the account bridge D / B (1083) (or affiliate cache system ( 1005) to check the customer approval to process the payment through the remote account bridge between the affiliate cash system (1005) and account accounting system (1093) by comparing with the customer approval password of the payment reservation information stored in It is done.

Referring to FIG. 10, the account bridge server 1010 may confirm the customer approval for the reservation payment by the customer approval confirming unit 1080 or may be performed by the automatic payment processing information included in the payment reservation information. If the reservation payment is automatically approved, check the customer account (or cache operating account) bridged with the customer account in conjunction with the account bridge D / B (1083), and the transaction history information included in the payment reservation information; Through the details processing unit 1073 (or details processing means) for processing the charges of the customer account (or cache operation account) and the affiliate cache system 1005 to process the charges as the account bridge-based payment history information And the payment processing information (or payment processing means) as the customer communication means.

When the customer approval for the reservation payment is confirmed by the customer approval confirmation unit 1080, or when the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, the details processing unit 1073 Check the customer account (or cache operating account) bridged with the customer account in connection with the account bridge D / B 1083, and the transaction history information included in the payment reservation information is stored in the customer account (or cache operating account). It is characterized in that the processing to be stored in the charging history.

The payment processing unit changes the charging details to the payment details (or stores them in a storage medium that stores payment details) for managing payment details through the affiliate cache system 1005, and thereby through the affiliate cache system 1005. The payment amount is processed as a payment using the cash balance corresponding to the charge amount, and the payment history information is transmitted to the customer communication means.

If the reservation payment is not approved until the reservation payment expiration date or canceled by the customer, the payment processing unit refunds the transaction history information to the customer account (or the cache operating account) through the affiliate cache system 1005. It characterized in that the processing to be stored by processing, and to transmit the refund history information to the customer communication means.

11 is a diagram illustrating a remote account bridge based reservation payment request process between the affiliate cache system 1005 and the account system 1093 according to the first embodiment of the present invention.

In more detail, in FIG. 11, a customer terminal 1095 accesses an affiliate server 1000 having an affiliate cache system 1005 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 1005, the account bridge server 1010 shown in FIG. 10 provides an account bridge based cache payment interface for account bridge based cache payment from the account bridge server 1010 to the customer terminal 1095. And inputting (or selecting) payment request information through an account bridge based cache payment interface in the client terminal 1095, and specifically, the affiliate cache system 1005 in the account bridge based cache payment interface. Balances of customer accounts (or cached accounts) and remotely bridged customer accounts, and preset charge settings The present invention relates to a method of mirroring a smaller amount of money to the cache balance and displaying it as the cache balance.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to provide a variety of remote account bridge based reservation payment request processes between the affiliate cache system 1005 and the accounting system 1093. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In FIG. 11, the customer terminal 1095 shown in FIG. 10 is referred to as "terminal" for convenience, and the account bridge server 1010 is referred to as "server" for convenience.

Referring to FIG. 11, the terminal accesses an affiliate server 1000 having an affiliate cache system 1005 to purchase one or more types or intangible products, and purchases the purchase price for the purchased products from the affiliate cache. When requesting payment through the system 1005 (1100), the server correspondingly connects the communication channel with the terminal and provides an account bridge based cache payment interface to provide to the terminal for the account bridge based cache payment. Create 1105.

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art will be familiar with the technical features of the form form for inputting (or selecting) the payment request information based on the information attribute of the payment request information. In FIG. 11, a detailed description of a form form corresponding to the account bridge based cache payment interface will be omitted for convenience.

In this case, the account bridge-based cache payment interface is a cash balance of the lesser of the balance of the customer account (or cache operating account) of the affiliate cache system 1005 and the customer account bridged remotely and the predetermined charge setting amount It is preferable to include the cash balance information displayed by mirroring, it is preferable to display the payment amount corresponding to the purchase price, and to further display the customer account (or cache operating account) information for the cash balance, According to the intention of the person skilled in the art, it is preferable that the shopping cart further includes the purchase information.

According to an embodiment of the present invention, the account bridge-based cash payment interface compares the cash balance with the payment amount, and if the cash balance is smaller than the payment amount, within the balance limit (or withdrawal limit) amount of the customer account. It is preferable that further comprises a cache balance adjustment interface for mirroring by adding the cache balance above the payment amount.

In addition, the account bridge-based cache payment interface to pay the payment amount through a remote account bridge between the affiliate cache system 1005 and the account accounting system 1093, or to cache the affiliate cache system 1005 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (1090) provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system (1090) provided in the financial company registers the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

In addition, the account bridge-based cash payment interface further includes a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (eg, withdrawal payment after advance reservation or reservation payment after advance payment). It is preferable to comprise.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

When the account bridge-based cache payment interface is generated (or extracted), the server provides charge setting amount information for the customer account (or cache operating account) registered with the affiliate cache system 1005 and the customer account information bridged. Check the balance information of the customer account (1110).

According to an embodiment of the present invention, the server preferably checks the charge setting amount information for the customer account information bridged with the customer account (or cache operating account) in connection with the account bridge D / B 1083. If the charge setting amount information is stored in the account relay server 1087 provided at the financial company, the server may transmit the account relay server through a remote account bridge between the affiliate cache system 1005 and the account system 1093. 1087) it is preferable to check the charge setting amount information for the customer account information associated with the customer account (or cache operating account).

The server may check balance information of the customer account in connection with the account relay server 1087 through a remote account bridge between the affiliate cache system 1005 and the account accounting system 1093. If the customer account balance is stored and stored in the account bridge D / B 1083 via a remote account bridge between the system 1005 and the accounting system 1093, the server may be deactivated from the account bridge D / B 1083. It is preferable to check the balance information for the customer account bridged with the customer account (or cash management account).

If the charge setting amount information for the customer account information bridged with the customer account (or the cache operation account) is confirmed, and the balance information for the customer account bridged with the customer account (or the cache operation account) is confirmed (1115) The server compares the charge setting amount information with the customer account balance information and checks the smaller amount as the cash balance information for the customer account (or the cache operating account) (1120), and the account bridge based cache payment interface. After displaying the checked cache balance information at 1125, an account bridge-based cache payment interface displaying the cache balance information is transmitted to the terminal (1130).

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

The terminal provided with the account bridge based cache payment interface checks whether the account bridge based cache payment is requested through the account bridge based cache payment interface (1135), and if the account bridge based cache payment is requested (1140), The payment request information is transmitted to the server through the account bridge based cache payment interface (1145).

According to the exemplary embodiment of the present invention, the payment request information may include one or more customer account (or cache operating account) information, payment amount information, and affiliate information for operating the affiliate cache system 1005. According to the intention of the person skilled in the art, the purchase product information, payment method selection information through the payment method selection interface may be further included.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 1005 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operation account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 1005, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the terminal accessing the affiliate server 1000, and the payment amount information is the affiliate cache system for cache-based payment processing. It is preferable to include the cache information corresponding to the monetary unit of (1005).

Preferably, the affiliate information includes affiliate identification information corresponding to the affiliate server 1000 that operates the affiliate cache system 1005.

12 is a diagram illustrating a non-face-to-face transaction validity verification process for reservation settlement based on a remote account bridge between the affiliate cache system 1005 and the account system 1093 according to the first embodiment of the present invention.

In more detail, in FIG. 12, an account bridge based cache payment interface is provided to the customer terminal 1095 through the account bridge based cache payment request process shown in FIG. 11, or the account bridge from the customer terminal 1095. After the payment request information is transmitted through the based cache payment interface, the remote account bridge based cache between the affiliate cache system 1005 and the accounting system 1093 based on the non-face authentication interface included in the account bridge based cache payment interface. Regarding the process of verifying the non-face-to-face transaction validity for payment, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to account for the affiliate cache system 1005 and the account system. Validation of non-face-to-face transactions for remote account bridge-based reservation payments between systems 1093 and Various implementation methods for the definition may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

12, the customer terminal 1095 shown in FIG. 10 is referred to as " terminal " for convenience, and the account bridge server 1010 is referred to as " server " for convenience.

Referring to FIG. 12, an account bridge based cache payment interface is provided to the customer terminal 1095 through the account bridge based cache payment request process shown in FIG. 11, or from the customer terminal 1095. After the payment request information is transmitted through the cache payment interface, the terminal uses a non-face-to-face authentication interface included in the account bridge based cache payment interface to establish a remote account bridge based between the affiliate cache system 1005 and the account system 1093. It is checked whether the non-face-to-face authentication information for checking the validity of the non-face-to-face transaction for the cache settlement is input (1200).

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system 1090 provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered through the non-face-to-face authentication system 1090 provided in the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 1005 (or the account bridge system).

If the non-face-to-face authentication information for confirming the non-face-to-face transaction validity for the remote account bridge-based cache payment between the affiliate cache system 1005 and the account accounting system 1093 is input through the non-face-to-face authentication interface (1205), The terminal transmits the input non-face-to-face authentication information to the server through the non-face-to-face authentication interface (1210).

When the non-face-to-face authentication information includes one or more encryption / decryption-based authentication information, public certificate-based authentication information, one-time password, transaction password, and account password according to an embodiment of the present invention, the non-face-to-face authentication information may be used by the financial company. It is possible to be sent directly to the non-face-to-face authentication system 1090, whereby the present invention is not limited.

Thereafter, the server pays the payment amount through the remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 through the received non-face-to-face authentication information, or of the affiliate cache system 1005. The cache is replaced (or relayed) with the balance of the customer account bridged with the customer account (or the cash management account) to verify the non-face-to-face transaction validity for payment of the payment amount (1215).

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 1090 provided to the financial company is received according to an exemplary embodiment of the present invention, the server may provide the non-face-to-face authentication information to the financial company. 1090 to process the payment to the payment through the remote account bridge between the affiliate cache system 1005 and the account system 1093, or the cache of the affiliate cache system 1005 to the customer account ( Or by replacing (or relaying) the balance of the customer account bridged with the cash management account) and authenticating the non-face-to-face transaction validity for payment of the payment amount.

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates a random authentication number and transmits it to the customer wireless terminal, Receive the authentication number entered through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal with the received authentication number and the affiliated cache system 1005 Payment of the payment amount through a remote account bridge between account accounting systems 1093, or replacing the cache of the affiliate cache system 1005 with the balance of the customer account bridged with the customer account (or cache operating account) It is preferable to authenticate the non-face-to-face transaction validity for the payment of the payment amount.

According to another exemplary embodiment of the present invention, when non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 1005 (or the account bridge system) is received, the server provides the non-face-to-face authentication information. Comparing the ID / PW information stored in the member information D / B (not shown) to settle the payment amount through a remote account bridge between the affiliate cache system 1005 and the account system 1093, or the affiliate cache It is desirable to replace (or relay) the cache of the system 1005 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for paying the payment amount.

If the non-face-to-face transaction validity for the account bridge based cache payment is not confirmed through the non-face-to-face authentication information (1220), the server transmits the face-to-face authentication error information to the terminal through the communication channel (1225).

On the other hand, if the non-face-to-face transaction validity for the account bridge based cache payment is confirmed through the non-face-to-face authentication information (1220), the server transmits the non-face-to-face authentication result information to the terminal through the communication channel (1230).

13A and 13B illustrate a cash payment process of a withdrawal payment method after a pre-booking through a remote account bridge between an affiliate cache system 1005 and an account system 1093 according to the first embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate that an account bridge based cache payment interface is provided to the client terminal 1095 through the account bridge based cache payment request process shown in FIG. When requesting an account bridge-based cache payment through an account bridge-based cache payment interface and validating the non-face-to-face transaction for the account bridge-based cache payment through the non-face-to-face transaction validation process shown in FIG. The account bridge server 1010 shown in FIG. 10 generates payment reservation information for the payment request and stores it in the account bridge D / B 1083 (or the affiliate cache system 1005), and then the customer wins the payment reservation. Affiliate cache system 1005 and accounting system in conjunction with account relay server 1087 provided at a financial institution based on the in (or auto-approval) This is a process of remotely bridging 1093 and processing payment through the affiliate cache system 1005. Those skilled in the art to which the present invention pertains may refer to FIGS. 13A and 13B. And / or may be modified to infer various implementation methods for the cash payment process of the withdrawal payment after advance reservation through the remote account bridge bridge between the affiliate cache system 1005 and the account system 1093. All the inferred implementation methods are included, and the present invention is not limited to the implementation methods shown in FIGS. 13A and 13B.

For example, those of ordinary skill in the art to which the present invention pertains, with reference to the drawings 13a and 13b immediately cash payment process of the payment method (for example, payment reservation information generation and storage process and customer approval confirmation process is omitted) Process) can be inferred, and the present invention is characterized in that it comprises all the possible inference method.

13A and 13B illustrate and explain (or calculate) the charge amount information during the pre-booking process, but the present invention is not limited thereto, and the charge amount information is the post-payment process. May be calculated after the payment amount information based on (in this case, the charge amount information may be omitted (or replaced with the payment amount information) when the payment reservation information is stored), and the present invention includes all the inferred implementation methods. It is obvious.

In the following FIGS. 13A and 13B, the customer terminal 1095 shown in FIG. 10 is referred to as "terminal" for convenience, and the account bridge server 1010 is referred to as "server" for convenience.

Referring to FIGS. 13A and 13B, the client terminal 1095 requests an account bridge based cache payment through the account bridge based cache payment request process shown in FIG. 11, and the non-face-to-face transaction validity illustrated in FIG. 12. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated through the verification process, the server checks whether the account bridge based cache payment of the withdrawal payment method is requested from the terminal (1300).

If a payment method other than the account bridge-based cache payment of the withdrawal payment method is requested from the terminal (eg, a withdrawal payment method or an immediate payment method), the server corresponds to the requested payment method. It is desirable to process the payment.

If the bank bridge-based cash payment request of the withdrawal payment method after the pre-booking is confirmed (1305), the server withdraws from the customer account bridged with the customer account (or cash management account) and the customer account (or cash management account). In operation 1310, the amount of charge information to be charged is checked (or calculated).

If information about the amount of money to be withdrawn from the customer account bridged with the customer account (or the cash management account) and charged to the customer account (or the cash management account) is confirmed (or calculated) (1315), the server reserves the advance reservation. After the payment withdrawal payment method generates the payment reservation information for the account bridge-based cache payment (1320).

According to an embodiment of the present invention, the payment reservation information includes one or more reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, and customer communication means information. Preferably, the information further includes payment amount information (or the charged amount information), affiliate information, and purchase product information.

Here, the reservation payment expiration date and time information includes one or more date information and time information when the reservation payment of the withdrawal payment method expires after the pre-booking, and the payment amount included in the payment request information after the reservation payment expiration date and time. It is preferable that the payment processing for is automatically canceled or processed so as to be automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing through the remote account bridge between the affiliate cache system 1005 and the accounting system 1093 is preferably automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or generated) or registered through an information registration procedure such as an account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 1000 (or affiliate cache system 1005). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When the payment reservation information is generated, the server links the customer account (or cache operating account) information, the charge amount information, and the generated payment reservation information to the account bridge D / B 1083 (or the affiliate cache system 1005). () 1325).

Thereafter, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005), and before the reservation payment expiration date and time. The customer approval of the reservation payment is checked at least once through the payment reservation information (1330).

According to an embodiment of the present invention, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005), and makes the reservation. Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a payment expiration date and including a password input interface for inputting and transmitting the customer approval password; It is preferable to transmit to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the server is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to the customer wireless terminal information, or a terminal receiving mail; Or a terminal using a messenger) to receive a customer approval password entered through the password input interface, and the payment stored in the received customer approval password and the account bridge D / B 1083 (or affiliate cache system 1005). It is preferable to confirm the customer approval for processing the payment through the remote account bridge between the affiliate cash system 1005 and the account accounting system 1093 in comparison with the customer approval password of the reservation information.

If the customer approval for the reservation payment is not confirmed (1335), the server is linked with the account bridge D / B (1083) (or affiliate cache system 1005), the reservation payment expiration date and time included in the payment reservation information (1340), and if the reservation expiration date and time has passed (1345), it is included in the payment reservation information in association with the account bridge D / B (1083) (or affiliate cache system 1005) The automatic payment processing information is read to confirm automatic cancellation or automatic approval of the reservation payment (1350).

If the automatic cancellation of the reservation payment is confirmed (1355), the server processes the payment cancellation information for the automatic cancellation by the affiliate cache system 1005 as payment history information (that is, including payment cancellation information). Payment history) and transmits the payment history information to the customer communication means (1365).

On the other hand, if the customer approval of the reservation payment is confirmed (1335) or the automatic approval of the reservation payment is confirmed (1355), the server establishes a remote account bridge between the affiliate cache system 1005 and the accounting system 1093. The customer account (or cache operating account) information and the charge amount information are transmitted to the account relay server 1087 provided in the financial company (1370).

Thereafter, the server checks whether transaction history information for the recharge amount information is received from the account relay server 1087 included in the financial company (1375).

If the transaction history information on the recharge amount information is received from the account relay server 1087 (1380), the server reads the transaction history information and checks whether the transaction is approved (1385).

If the transaction approval result is not confirmed in the verification result (1390), the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system (1005) (1392). In operation 1398, payment history information regarding the account bridge-based cache payment is transmitted to the customer communication unit.

On the other hand, if the transaction approval of the transaction history information is confirmed (1390), the server processes the transaction history information as the charging history of the affiliate cache system (1005) and applies (1394), the charge history After the application is replaced with payment history for the account bridge based cache payment (1396), the payment history information for the account bridge based cache payment is transmitted to the terminal and output (1398).

14A and 14B illustrate a cache payment process of a reservation payment method after a prepayment through a remote account bridge between an affiliate cache system 1005 and an account system 1093 according to the first embodiment of the present invention.

In more detail, FIGS. 14A and 14B illustrate that an account bridge based cache payment interface is provided to the customer terminal 1095 through the account bridge based cache payment request process shown in FIG. When requesting an account bridge-based cache payment through an account bridge-based cache payment interface and validating the non-face-to-face transaction for the account bridge-based cache payment through the non-face-to-face transaction validation process shown in FIG. In the account bridge server 1010 shown in FIG. 10, the affiliate cash system 1005 and the account system 1010 are remotely linked with the account relay server 1087 provided at the financial institution to withdraw the money from the customer account. After depositing (or transferring) to the operating account, the payment reservation information for the payment request is generated to the account bridge D / B (10). 83) (or affiliate cache system 1005), and processing the payment through the affiliate cache system 1005 based on the customer approval (or automatic approval) for the payment reservation, Those skilled in the art may refer to and / or modify the drawings 14a and 14b and thereafter, with advance payment through a remote account bridge bridge between the affiliate cache system 1005 and the accounting system 1093. Various implementation methods for the cache payment process of the reservation payment method 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. 14A and 14B.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, the cash payment process of the instant payment method (for example, payment reservation information generation and storage process and customer approval confirmation process are omitted with reference to FIGS. 14A and 14B). It can be inferred that the present invention), and the present invention is characterized by including all the possible inference method.

In the following Figures 14A and 14B, the customer terminal 1095 shown in Figure 10 is referred to as "terminal" for convenience, and the account bridge server 1010 is referred to as "server" for convenience.

Referring to FIGS. 14A and 14B, the client terminal 1095 requests the account bridge based cache payment through the account bridge based cache payment request process shown in FIG. 11, and the non-face-to-face transaction validity illustrated in FIG. 12. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated through the verification process, the server checks whether the account bridge based cache payment of the reservation payment method is requested from the terminal in advance (1400).

If a payment method other than the account bridge-based cash payment of the reservation payment method after the withdrawal is requested from the terminal (eg, a withdrawal payment method after the pre-booking or an immediate payment method), the server corresponds to the requested payment method. It is desirable to process the payment.

If an account bridge-based cache payment request of the reservation payment method is confirmed after the withdrawal (1405), the server withdraws from the customer account bridged with the customer account (or cash management account) and the customer account (or cash management account). Check (or calculate) the charge amount information to be charged (1410).

If information about the amount of money to be withdrawn from the customer account bridged with the customer account (or the cash management account) and charged to the customer account (or the cash management account) is confirmed (or calculated) (1415), the server caches the affiliate cache. The customer account (or cache operating account) information and the charge amount information are transmitted to the account relay server 1087 provided at the financial institution through the remote account bridge between the system 1005 and the accounting system 1093 (1420).

Thereafter, the server checks whether transaction history information for the recharge amount information is received from the account relay server 1087 included in the financial company (1425).

If the transaction history information on the charge amount information is received from the account relay server 1087 (1430), the server reads the transaction history information and checks whether the transaction is approved (1435).

If the transaction confirmation is not confirmed with the transaction result information (1440), the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system (1005) (1445). In operation 1450, payment history information regarding the account bridge-based cache payment is transmitted to the customer communication means.

On the other hand, if the transaction approval of the transaction history information is confirmed (1440), the server generates payment reservation information for the account bridge-based cache payment of the reservation payment method after the prepayment (1455).

According to the implementation method of the present invention, the payment reservation information includes the transaction details information, reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, customer communication means information, one or more According to the present invention, the payment amount information (or the charge amount information) included in the payment request information, preferably, the partner information and the purchase product information is further included.

Here, the transaction history information is the customer account (or cache operation) to process the payment amount included in the payment request information through the remote account bridge between the affiliate cache system 1005 and accounting system 1093 within a predetermined time period. Account) and a transaction history of withdrawing (or transferring) the charged amount from the customer account bridged with the non-financial partner's fund management account.

The reservation payment expiration date information includes one or more date information and time information when the reservation payment method of the reservation payment method expires after the prepayment, and after the reservation payment expiration date, the payment amount included in the payment request information It is desirable to process the payment to be automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 1005 and the account accounting system 1093 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing through the remote account bridge between the affiliate cache system 1005 and the accounting system 1093 is preferably automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or generated) or registered through an information registration procedure such as an account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 1000 (or affiliate cache system 1005). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When the payment reservation information is generated, the server links the customer account (or cache operating account) information, the charge amount information, and the generated payment reservation information to the account bridge D / B 1083 (or the affiliate cache system 1005). (1460).

Thereafter, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005) and before the reservation payment expiration date and time. Check the customer approval for the reservation payment at least once through the payment reservation information (1465).

According to an embodiment of the present invention, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005), and makes the reservation. Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a payment expiration date and including a password input interface for inputting and transmitting the customer approval password; It is preferable to transmit to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the server is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to the customer wireless terminal information, or a terminal receiving mail; Or a terminal using a messenger) to receive a customer approval password entered through the password input interface, and the payment stored in the received customer approval password and the account bridge D / B 1083 (or affiliate cache system 1005). It is preferable to confirm the customer approval for processing the payment through the remote account bridge between the affiliate cash system 1005 and the account accounting system 1093 in comparison with the customer approval password of the reservation information.

If the customer approval for the reservation payment is not confirmed (1470), the server expires the reservation payment included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005). Check whether the date and time has passed (1475), and if the reservation payment expiration date has passed (1480), it is included in the payment reservation information in association with the account bridge D / B 1083 (or affiliate cache system 1005). The automatic payment processing information is read to confirm automatic cancellation or automatic approval of the reservation payment (1482).

If the automatic cancellation of the reservation payment is confirmed (1484), the server processes the transaction history information included in the payment reservation information as the refund history of the affiliate cache system 1005 in response to the automatic cancellation (1486). The refund history information is transmitted to the customer communication means (1488).

On the other hand, if the customer approval of the reservation payment is confirmed (1470) or the automatic approval of the reservation payment is confirmed (1484), the server bridges the account bridge D / B 1083 (or the affiliate cache system 1005). Check the transaction history information included in the payment reservation information in connection with (1490), and process the transaction history information as the charge history of the affiliate cache system (1005) (1492), the charge history is the account After replacing and applying the payment history for the bridge-based cache payment (1494), the payment history information for the account bridge-based cache payment is transmitted to the terminal and output (1496).

FIG. 15 illustrates a remote account bridge based cache payment system between an account system 1565 and an affiliate cache system 1505 according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates that the customer terminal 1570 accesses an affiliate server 1500 having an affiliate cache system 1505 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. If the account bridge server 1510 shown in FIG. 6 or FIG. 10 transmits the customer account (or cache operating account) information and the charge amount information by requesting payment through the affiliate cache system 1505, the customer Check the account (or cache operating account) information and the bridged customer account information, and configure the transaction request full text to withdraw (or transfer) the withdrawal amount from the customer account to the partner's fund management account and the account accounting system A financial transaction provided at 1565 to withdraw the charged amount from the customer account and deposit (or transfer) the funds to the partner's fund management account. After processing the system configuration for transmitting the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 1510, if one of ordinary skill in the art to which the present invention belongs 15 and / or modified to infer various implementation methods for configuring a remote account bridge based cache payment system between the accounting system 1565 and the affiliate cache system 1505, but the present invention is directed to all such inferred implementations. It includes a method, and is not limited to the embodiment method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, a remote account bridge based cache payment system between the account system 1565 and the affiliate cache system 1505 includes one or more browser programs, The customer terminal 1570 connected to the communication network through, and the customer terminal 1570 through the communication network, when connected through the communication from the customer terminal 1570, at least one type or to the customer terminal 1570 or Cache-based payment for the payment amount of the product sold by the affiliate server 1500 based on the funds deposited in the partner's server 1500 selling intangible goods and the funds management account of the non-financial partner opened in the financial company Affiliate cache system (1505) for processing the, and the purchase price for the goods purchased in the customer terminal (1570) through the affiliate cache system (1505) When requesting for payment, the client terminal 1570 includes an account bridge-based cache payment interface for account bridge-based cache payment, and the payment request information through the account bridge-based cache payment interface in the customer terminal 1570. If the user inputs (or selects) and transmits, the account bridge server 1510 for transmitting the customer account (or cache operating account) information and the recharge amount information to the account relay server 1520 provided in the financial institution through the payment request information ( = Functional name of the account bridge system), the customer account (or cache operating account) information and the bridged customer account information, and withdraw the charge amount from the customer account and deposits (or the funds management account of the partner) (or Transfer the entire transaction request and provide it to the accounting system 1565 to provide the recharge amount from the customer account. The account relay server 1520 which withdraws money, processes a financial transaction that deposits (or transfers) the funds in the partner's fund management account, and then transmits transaction details corresponding to the deposit (or transfer) transaction to the account bridge server 1510. (= Functional name of the account relay system), and an account accounting system 1565 that operates a fund management account of the non-financial partner and one or more customer accounts.

In FIG. 15, the account relay server 1520 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the account relay server 1520 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account relay server 1520 corresponds to the functional name of the account relay system shown in FIG. 1 and is not limited to the physical name.

The client terminal 1570, the affiliate server 1500, the affiliate cache system 1505, and the account bridge server 1510 will refer to the contents shown in FIG. 6 or FIG. 10, and detailed descriptions thereof will be given in FIG. 15. Description will be omitted for convenience.

According to an embodiment of the present invention, the account relay server 1520 stores and stores affiliated partner information, customer account (or cache operating account) information, and customer account information registered through the account registration system shown in FIG. It is preferable to have an account relay D / B (1560) for storing the customer personal information and the customer wireless terminal information in association with one or more, or to interwork through a network, the account relay D / B (1560) is the Non-financial partner's fund management account information is further linked and stored, or the customer account balance information for the customer account bridged with the customer account (or cache operating account) is further linked or stored, or the customer account (or cash management) Account) and charge setting amount information corresponding to the remotely bridged customer account information and withdrawal limit amount information is preferably stored in association with each other. The.

Here, the money management account information is account information in the name of a non-financial partner operating the funds of the affiliate cash system 1505, and the money management account is preferably opened in the account system 1565.

According to another exemplary embodiment of the present invention, the funds management account may be opened in the external account system 1565, and the present invention is not limited thereto.

The customer account balance information may include a balance amount of a customer account opened in the account accounting system 1565, and the account relay server 1520 may link the account balance with the account accounting system 1565. It is desirable to update the customer account balance periodically (or in response to a customer account balance change event through the accounting system 1565).

If the account relay server 1520 inquires in real time the customer account balance information in connection with the account accounting system 1565, the customer account balance information may be omitted in the account relay D / B 1560, The present invention is not limited by this.

The charge setting amount information is withdrawn from the customer account bridged with the customer account (or cache operating account) when the non-financial partner payment processing of the payment amount using the affiliate cache system 1505, It is preferable to include the amount set to deposit (or transfer) to the funds management account, and if provided in the account bridge D / B shown in Figure 6 or 10, the account relay D / B (1560) The charge setting amount information can be omitted, and the present invention is not limited thereto.

The charging limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 1505. As the limit amount to be deposited (or transferred) into the fund management account, the charge limit amount preferably includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

Referring to FIG. 15, when the account relay server 1520 transmits customer account (or cache operating account) information and charge amount information from the account bridge server 1510 illustrated in FIG. 6 or FIG. An information receiving unit 1525 (or information receiving means) for receiving account (or cache operating account) information and charge amount information, and the customer account (or cache operating account) information is received, the customer account (or cache operating account). ) The account confirmation unit 1530 (or account verification means) for confirming the customer account information bridged with the information, and confirms the funds management account information of the affiliated partner associated with the customer account (or cache operating account) information; A professional generation unit 1540 (or a professional generation means) for generating a transaction request message for depositing (or transferring) the funds from the account and depositing (or transferring) the funds to the partner's fund management account; A transaction processing unit 1545 (or transaction processing means) which provides a pre-account accounting system 1565 to process the financial transaction to withdraw (or transfer) the remittance amount from the customer account to the fund management account of the affiliated party; A history generation unit 1550 (or a history generation unit) for generating transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information checked from the account system 1565; and the generated transaction history. And a details transmission unit 1555 (or a details transmission means) for transmitting the information to the account bridge server 1510, wherein the information regarding the customer account (or cache operating account) and the customer account bridged is provided. It is preferable to further comprise a transaction validity confirming unit 1535 (or transaction validity confirming means) for confirming the validity of the transaction.

When the account bridge server 1510 shown in FIG. 6 or 10 transmits the customer account (or cache operating account) information and the charge amount information for the account bridge-based payment processing, the information receiving unit 1525 receives the account. And receiving the customer account (or cache operating account) information and the charge amount information from the bridge server 1510, wherein the information receiving unit 1525 is an external system provided to the financial company or is linked with the external system. It is preferable to receive the customer account (or cash management account) information and the charge amount information.

According to an exemplary embodiment of the present invention, the information receiving unit 1525 includes the customer account (or cache operating account) information and the charge amount information through a communication network connecting the account bridge server 1510 and the account relay server 1520. It is desirable to receive.

According to another exemplary embodiment of the present invention, the information receiving unit 1525 is the customer account (or cache operating account) via the gateway 1515 relaying the account bridge server 1510 and the account relay server 1520. It is possible to receive information and charge amount information, whereby the present invention is not limited.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 1505 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operation account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 1505, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The recharge amount information may include an amount to be withdrawn from the customer account bridged with the customer account (or a cash management account) and deposited (or transferred) into the fund management account of the partner for account bridge-based payment processing. Do.

According to an embodiment of the present invention, the account bridge server 1510 shown in FIG. 6 or 10 may be identified through the non-face-to-face authentication system of the financial company for account bridge-based payment processing, or may use customer wireless terminal information. It is preferable to further transmit the non-face-to-face authentication result information confirmed through the wireless authentication means used, in this case, the information receiving unit 1525 preferably further receives the non-face-to-face authentication result information from the account bridge server 1510 Do.

According to an embodiment of the present invention, the account bridge server 1510 illustrated in FIG. 6 or 10 may further transmit non-face-to-face authentication information received from the customer terminal 1570 for account bridge based payment processing. In this case, the information receiving unit 1525 preferably receives the non-face-to-face authentication information, and the transaction validity checking unit 1535 connects to the financial company's face-to-face authentication system through the non-face-to-face authentication information. It is desirable to verify transaction validity for account bridge based payment processing.

According to an embodiment of the present invention, the account bridge server 1510 illustrated in FIG. 6 or 10 may transmit only the customer account (or cache operating account) information for account bridge-based payment processing. In this case, Preferably, the information receiving unit 1525 receives the customer account (or cache operating account) information from the account bridge server 1510, and the account checking unit 1530 stores the customer account (or cache operating account) information. It is preferable to check the customer account information bridged with, and the account relay server 1520 checks at least one of the customer account balance information, charge setting amount information, withdrawal limit amount information for the customer account information to bridge the account It is preferable to further include an information transmission unit for transmitting to the server 1510.

When the customer account (or cache operating account) information and the charge amount information are received through the information receiving unit 1525, the account checking unit 1530 is connected with the account relay D / B 1560 to the customer account ( Or checking the cache operating account) information and the bridged customer account information.

In addition, the account verification unit 1530 confirms the partner information associated with the customer account (or cache operating account) information in connection with the account relay D / B 1560, and the affiliated company associated with the affiliate information It is characterized by checking the information of the fund management account.

When the customer account information is confirmed through the account verification unit 1530, the transaction validity verification unit 1535 is connected to the account relay D / B 1560 (or the account account system 1565 in which the customer account is opened). The customer account balance is checked in association with each other, and if the customer account balance is greater than the charge amount, the transaction validity is confirmed by comparing the charge amount information with the customer account balance.

In addition, the transaction validity check unit 1535 checks the withdrawal limit amount information for the customer account in connection with the account relay D / B (1560), and compares the withdrawal amount information and the withdrawal limit amount of the withdrawal If the limit amount is larger than the recharge amount, the transaction is treated as confirmed.

When the non-face-to-face authentication result information is received from the account bridge server 1510 through the information receiver 1525 according to an embodiment of the present invention, the transaction validity checker 1535 reads the non-face-to-face authentication result information. It is desirable to confirm the transaction validity for the account bridge based payment processing.

Alternatively, when the non-face-to-face authentication information is received through the information receiving unit 1525, the transaction validity checking unit 1535 is connected to the non-face-to-face authentication system of the financial company through the non-face-to-face authentication information to perform the account bridge based payment processing. It is advisable to check the validity of the transaction for.

When the customer account information bridged with the customer account (or the cache operating account) is confirmed through the account verification unit 1530, and the fund management account information of the affiliated company is confirmed, the professional generation unit 1540 may perform the customer account. It is characterized in that for configuring the transaction request telegram to withdraw (or transfer) the withdrawal amount from the funds management account of the partner, the transaction request telegram includes a professional structure recognizable in the accounting system (1565) It is preferable to make.

Those skilled in the art to which the present invention pertains, because they will be familiar with the specialized structure defined in the accounting system for each financial company 1565, a detailed description thereof will be omitted for convenience.

When the transaction request message is configured through the message generation unit 1540, the transaction processing unit 1545 provides the transaction request message to the account system 1565 to withdraw the recharge amount from the customer account. Characterized in that the financial transaction to deposit (or transfer) to the partner's funds management account is processed, characterized in that for receiving the transaction result information corresponding to the full transaction request from the account system (1565).

The history generation unit 1550 may generate transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information checked from the account system 1565.

In this case, the transaction history information preferably includes an information structure that can be easily changed (or replaced) with the charge history information included in the affiliate cache system 1505 bridged remotely with the account system 1565.

For example, when the account relay server 1520 interworks with an account bridge server 1510 associated with two or more different affiliate cache systems 1505, the history generator 1550 may be a customer corresponding to the transaction information. It is possible to check the account bridge server 1510 and the affiliate cache system 1505 that have transmitted the account (or cache operating account) information, and to easily change (or replace) the charge information for each of the confirmed affiliate cache systems 1505. It is preferable to generate transaction history information including the information structure.

When the transaction history information is generated, the history transmission unit 1555 transmits the generated transaction history information to the account bridge server 1510. In response, the account bridge server 1510 may transmit the transaction information. It is preferable to receive the transaction history information, process the received transaction history information as the charging history of the affiliate cache system 1505 and apply it to the affiliate cache system 1505.

FIG. 16 illustrates a remote account bridge based cache settlement process between the account system 1565 and the affiliate cache system 1505 according to the first embodiment of the present invention.

In more detail, FIG. 16 illustrates that the customer terminal 1570 accesses an affiliate server 1500 equipped with an affiliate cache system 1505 to purchase one or more types or intangible products, and purchase price for the purchased product. If the account bridge server 1510 shown in FIG. 6 or FIG. 10 transmits the customer account (or cache operating account) information and the recharge amount information by requesting payment through the affiliate cache system 1505, The account relay server 1520 shown in FIG. 15 confirms the customer account information bridged with the customer account (or cache operating account) information, and withdraws the recharge amount from the customer account to the fund management account of the affiliated company. Complete the transaction request for depositing (or transferring) the transaction request and providing it to the accounting system 1565 to withdraw the charge from the customer account. After processing the financial transaction to deposit (or transfer) the company's funds management account, the transaction history information corresponding to the deposit (or transfer) transaction is transmitted to the account bridge server 1510 shown in FIG. For those of ordinary skill in the art to which the present invention pertains, a remote account bridge based cache payment process between the accounting system 1565 and the affiliate cache system 1505 by referring to and / or modifying the drawing 16 is made. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above and is not limited to the implementation method shown in FIG.

In the following figure 16, the account relay server 1520 shown in FIG. 15 is referred to as " server " for convenience.

The customer terminal 1570 accesses an affiliate server 1500 equipped with an affiliate cache system 1505 to purchase one or more types or intangible products, and purchases the purchase price for the purchased products from the affiliate cache system 1505. By sending the customer account (or cache operating account) information and the charge amount information from the account bridge server 1510 shown in FIG. 6 or FIG. 10 by requesting to make a payment through the server, the server bridges the account of the affiliated company. In operation 1600, the server 1510 receives customer account (or cache operating account) information and charge amount information from the server.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 1505 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operation account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 1505, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The recharge amount information may include an amount to be withdrawn from the customer account bridged with the customer account (or a cash management account) and deposited (or transferred) into the fund management account of the partner for account bridge-based payment processing. Do.

According to an exemplary embodiment of the present invention, the account bridge server 1510 illustrated in FIG. 6 or 10 may be identified through the non-face-to-face authentication system of the financial company for account bridge-based payment processing, or by using customer wireless terminal information. Preferably, the non-face-to-face authentication result information confirmed through the wireless authentication means is further transmitted. In this case, the account relay server 1520 further receives the non-face-to-face authentication result information from the account bridge server 1510. Do.

According to an embodiment of the present invention, the account bridge server 1510 illustrated in FIG. 6 or 10 may further transmit non-face-to-face authentication information received from the customer terminal 1570 for account bridge based payment processing. In this case, the account relay server 1520 receives the non-face-to-face authentication information, and confirms the transaction validity for the account bridge based payment processing through the non-face-to-face authentication information in connection with the face-to-face authentication system of the financial company. It is desirable to.

According to an embodiment of the present invention, the account bridge server 1510 illustrated in FIG. 6 or 10 may transmit only the customer account (or cache operating account) information for account bridge based payment processing. In this case, the account relay server 1520 receives the customer account (or cache operating account) information from the account bridge server 1510, checks the customer account information bridged with the customer account (or cache operating account) information, and Preferably, at least one of customer account balance information, charge setting amount information, and withdrawal limit amount information regarding the customer account information is transmitted to the account bridge server 1510.

When the customer account (or cache operating account) information and the charge amount information are received, the server checks the customer account information bridged with the customer account (or cache operating account) information, and the customer account (or cache operating account) Check the partner's fund management account information associated with the information (1605).

According to an embodiment of the present invention, the server preferably checks the customer account information bridged with the customer account (or cache operating account) information in association with the account relay D / B 1560.

In addition, the server checks affiliate information associated with the customer account (or cache operating account) information in connection with the account relay D / B 1560, and transmits the fund management account information of the affiliate linked to the affiliate information. It is desirable to confirm.

If the customer account information and the partner's money management account information is confirmed (1610), the server checks the validity of the transaction for the customer account bridged with the customer account (or cache operating account) information (1615), the affiliate If the account bridge server 1510 authenticates the non-face-to-face transaction validity for the account bridge-based cache payment may be omitted.

According to an embodiment of the present invention, the server checks the customer account balance in association with the account relay D / B 1560 (or the account system 1565 in which the customer account is opened), It is preferable to process the validity of the transaction if the customer account balance is greater than the recharge amount by comparing the customer account balance.

In addition, the server checks the withdrawal limit amount information for the customer account in connection with the account relay D / B (1560), the withdrawal amount is compared to the withdrawal amount information and the withdrawal limit amount is the charge amount If larger, it is preferable to treat the transaction as confirmed.

When the non-face-to-face authentication result information is received from the account bridge server 1510 according to the embodiment of the present invention, the server reads the non-face-to-face authentication result information to confirm transaction validity for the account bridge based payment processing. It is preferable.

Alternatively, when non-face-to-face authentication information is received from the account bridge server 1510, the server confirms a transaction validity for the account bridge-based payment processing through the non-face-to-face authentication information in connection with the face-to-face authentication system of the financial company. It is desirable to.

If the transaction validity is not confirmed (1620), the server generates transaction history information including account validity error information corresponding to the transaction validation result (1625), and bridges the transaction history information to the account bridge of the affiliated company. And transmits to server 1510 (1660).

On the other hand, if the validity of the transaction is not confirmed (1620), the server generates (or configures) a full transaction request message that withdraws the recharge amount from the customer account and deposits (or transfers) the funds management account of the partner (1630). ).

In this case, the transaction request message may include a specialized structure recognizable by the account system 1565.

Those skilled in the art to which the present invention pertains, because they will be familiar with the specialized structure defined in the accounting system for each financial company 1565, a detailed description thereof will be omitted for convenience.

If a transaction request message is generated from the customer account to deposit (or transfer) the funds to the partner's fund management account (1635), the server provides the transaction request message to the account system 1565. As a result (1640), withdrawal of the recharge amount from the customer account to process a financial transaction to deposit (or transfer) to the partner's fund management account.

If the account transaction system 1565 withdraws the recharge amount from the customer account and deposits (or transfers) the funds to the partner's fund management account (1645), the server receives the account from the account system 1565. Receives the transaction result information corresponding to the transaction request message (1650), and generates transaction history information corresponding to the deposit (or transfer) transaction based on the received transaction result information (1655).

In this case, the transaction history information preferably includes an information structure that can be easily changed (or replaced) with the charge history information included in the affiliate cache system 1505 bridged remotely with the account system 1565.

For example, when the account relay server 1520 interworks with an account bridge server 1510 associated with two or more different affiliate cache systems 1505, the history generator 1550 may be a customer corresponding to the transaction information. It is possible to check the account bridge server 1510 and the affiliate cache system 1505 that have transmitted the account (or cache operating account) information, and to easily change (or replace) the charge information for each of the confirmed affiliate cache systems 1505. It is preferable to generate transaction history information including the information structure.

Thereafter, the server transmits the generated transaction history information to the account bridge server 1510 of the affiliated company (1660).

FIG. 17 is a diagram illustrating a remote account bridge based cache payment system between an affiliate cache system 1705 and an account system 1785 according to a second embodiment of the present invention.

In more detail, FIG. 17 illustrates that the customer terminal 1790 accesses an affiliate server 1700 having an affiliate cache system 1705 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When the payment request is made through the affiliate cache system 1705, an account bridge based cache payment interface is provided to the customer terminal 1790 for an account bridge based cache payment, and the account bridge based cache is provided by the customer terminal 1790. When the payment request information is input (or selected) through a payment interface, the payment request information is used to remotely access the company cache system 1705 provided to the non-financial partner and the accounting system 1785 provided to the financial company. A system configuration for processing a payment amount corresponding to the purchase price by bridging, specifically, the affiliate Check the cash balance information corresponding to the customer account (or cache operating account) of the cache system 1705 and the charge setting amount for the customer account bridged with the customer account (or cache operating account), and correspond to the purchase price. After withdrawing the larger amount of the payment amount (or the amount corresponding to the cash balance from the payment amount) and the charge setting amount from the customer account and automatically recharges the customer account (or the cash management account), And an implementation method for processing the requested payment within the automatically charged cache balance limit.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 17 to provide a variety of remote account bridge based cache payment system configurations between the affiliate cache system 1705 and the accounting system 1785. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 17 in accordance with an embodiment of the present invention, a remote account bridge-based cache payment system between the affiliate cache system 1705 and the accounting system 1785 includes one or more browser programs, and through the browser program. A customer terminal 1790 connected to a communication network and the customer terminal 1790 are connected through the communication network, and when connected through the communication network from the customer terminal 1790, one or more types or to the customer terminal 1790. Cache-based payment for the payment amount of the product sold by the affiliate server 1700 based on the funds deposited in the partner's server 1700 that sells intangible goods and the funds management account of the non-financial affiliate established in the financial company Affiliate cache system (1705) for processing the, and the purchase price for the purchased goods in the customer terminal (1790) through the affiliate cache system (1705) When requesting payment, the client terminal 1790 provides an account bridge based cache payment interface for account bridge based cache payment, and the customer terminal 1790 inputs payment request information through an account bridge based cache payment interface. (Or select) and transmit the payment amount corresponding to the purchase price by remotely bridging the affiliate cash system 1705 provided to the non-financial affiliate and the account account system 1785 provided to the financial company through the payment request information. The account bridge server 1710 (= functional name of the account bridge system) for payment processing, and the account bridge server 1710 for remote account bridge-based cache payments between the affiliate cache system 1705 and the account accounting system 1785; The account relay server 1780 (= functional name of the account relay system) provided to the financial company to interlock with the non-financial sector. It is characterized in that it comprises an account management system (1785) for operating a partner's funds management account and one or more customer accounts.

However, in FIG. 17, the account bridge server 1710 is illustrated as being formed in one server form for convenience. However, the present invention is not limited thereto, and the account bridge server 1710 may include two or more account components. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account bridge server 1710 corresponds to the functional name of the account bridge system shown in FIG. 1 and is not limited to the physical name.

The customer terminal 1790 is connected to a transmission control protocol / Internet protocol (TCP / IP) -based wired communication network (eg, ASL (Asymmetric Digital Subscriber Line) / VDSL (Very High-data Rate Digital Subscriber Line) or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a notebook computer connected to the account bridge server 1710 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP-TV including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired or wireless communication networks. Or at least one TV device (not shown) including at least one digital TV or DMB. And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Persons of ordinary skill in the art to which the present invention pertains know the technical features of the customer terminal 1790 including at least one of the wired terminal or the wireless terminal or a TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 1710 may include web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 1790. And a database for storing the database, wherein the database is provided in a database management system (DBMS) associated with the account bridge server 1710.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided to the customer terminal 1790 from the account bridge server 1710. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 1790 is It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, the web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided from the account bridge server 1710 to the customer terminal 1790. For example, a web document source file including one or more tag strings and scripts and information content corresponding to the web page contents) may be included. In this case, the web page provided to the customer terminal 1790 may include one or more web pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

According to another exemplary embodiment of the present invention, the webpage operation data may be provided to the customer terminal 1790 according to a location of providing an account bridge-based cache payment interface for the account bridge-based cache payment. In addition, the affiliate server 1700, the affiliate cache system 1705, the gateway 1777 may be provided in any one of the present invention, the web page operation data is the affiliate server 1700, affiliate cache system ( 1705 and the gateway 1777, it will be apparent that all implementation methods are included.

According to the method of the present invention, the account bridge server 1710 stores the customer account (or cache operating account) information and customer account information registered through the account registration system shown in FIG. It is preferable to have an account bridge D / B (1775) for storing information and at least one wireless terminal information in association with each other, or to interwork through a network, the account bridge D / B (1775) is the customer account ( Or store the cash balance information corresponding to the cash management account more in association with each other, or add the charge setting amount information and withdrawal limit amount information corresponding to the customer account information bridged with the customer account (or the cash management account) remotely. It is desirable to store in conjunction.

Here, the cash balance information is balance information of a cache stored, recorded, and managed through the customer account (or a cash management account) among the amounts deposited in the money management account in the affiliate cash system 1705. The balance corresponding to the payment history is preferably included in the cash corresponding to the charge corresponding to the customer account (or the cache operating account) of the system 1705.

According to another exemplary embodiment of the present invention, when the account balance server 1710 checks the cash balance through the affiliate cache system 1705, the cache balance information may be omitted in the account bridge D / B 1175. The present invention is not limited thereto.

The charge setting amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner pays the payment amount using the affiliate cash system 1705. The amount set to be deposited (or transferred) to the fund management account, wherein the set amount of the recharge is preferably set by the customer or set according to the policy of the account bridge server 1710.

The charging limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 1705. As the limit amount to be deposited (or transferred) into the fund management account, it is preferable that the charge limit amount includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

If the charge setting amount information and the charge limit amount information is stored in the account relay D / B provided to the financial company, the charge setting amount information and the charge limit amount information is stored in the account bridge D / B (1775) It is possible to omit it, thereby not limiting the present invention.

Referring to FIG. 17, the account bridge server 1710 may provide a web page to the customer terminal 1790 using an HTTP compatible protocol corresponding to the communication network, or may be based on a web page provided to the customer terminal 1790. It characterized in that it comprises a web interface unit 1715 for connecting and managing a web interface for receiving (or selected) the various information input (or selected) from the customer terminal (1790).

According to an embodiment of the present invention, when the customer terminal 1790 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the web interface 1715 is connected to the customer terminal 1790 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 1790 through the communication channel. It is preferable to interface so that a web page of a form of) is provided or to receive information input from the customer terminal 1790 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the customer terminal 1790 is a wireless terminal in which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 1715 may include the CDMA 1790 and the CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 1790 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or so that the information input from the customer terminal 1790 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 1790 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 1715 is connected to the customer terminal 1790 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or the information input from the customer terminal 1790 is preferably interfaced to be received in a GET / POST method.

According to another exemplary embodiment of the present invention, the web interface unit 1715 provides the account bridge server 1710 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 1790. ), The affiliate server 1700, the affiliate cache system 1705, the gateway 1777 may be provided in any one of the present invention, the web interface unit 1715 is the affiliate server 1700, affiliates It is apparent that all the implementation methods included in the cache system 1705 and the gateway 1777 are included.

Referring to FIG. 17, the customer terminal 1790 accesses an affiliate server 1700 having an affiliate cache system 1705 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 1705, the account bridge server 1710 generates (or extracts) a web page to be provided to the customer terminal 1790 based on the web page operation data. Account bridge based cache payment for the account bridge based cache payment on the web page generated (or extracted) in connection with the web page operation unit 1720 (or web page operation means) and the web page operation unit 1720. And an interface providing unit 1725 (or an interface providing means) including an interface, wherein the web page operation unit 1720 is configured to include the web in. In conjunction with the interface unit 1715 to the Web page the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (1790).

According to another exemplary embodiment of the present invention, the webpage operation unit 1720 and the interface providing unit 1725 provide an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 1790. In addition to the account bridge server 1710, the affiliate server 1700, the affiliate cache system 1705, and the gateway 1777 may be provided according to a location, and the present invention may be provided in the webpage operation unit 1720. ) And the interface provider 1725 include all the implementation methods provided in any one of the affiliate server 1700, the affiliate cache system 1705, and the gateway 1777.

A payment means for accessing an affiliate server 1700 having an affiliate cache system 1705 at the customer terminal 1790 to purchase one or more types or intangible products, and to process a purchase price for the purchased product. When the payment request corresponding to the purchase price is requested to be paid through the affiliate cache system 1705 based on a payment method selection interface for selecting a payment, the web page operation unit 1720 may execute the affiliate cache system 1705. A web page link to be provided to the customer terminal 1790 for remote account bridge based payment processing between the accounting system and the accounting system 1785, and generates a web page corresponding to the confirmed web page link from the web page operation data. (Or extract) the web page source and the web content to be identified, and use the identified web page source and the web content to A web page to be provided in the customer terminal (1790) is characterized in that to generate (or extract).

When the webpage operation unit 1720 generates (or extracts) a webpage to be provided to the customer terminal 1790 for remote account bridge based payment processing between the affiliate cache system 1705 and the account accounting system 1785, The interface providing unit 1725 may be provided to the customer terminal 1790 including the account bridge-based cache payment interface in the web page in association with the web page operation unit 1720.

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 1790 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 17 will be omitted for convenience.

Here, the account bridge based cache payment interface is the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 1705 and withdrawal from the customer account automatically to the customer account (or cache operating account) It is preferable to include the automatic recharge amount information to be charged, it is preferable to display the payment amount corresponding to the purchase price, and to further display the customer account (or cache operating account) information for the cash balance, According to the intention, it is preferable that the shopping cart further includes information on the purchased product.

In addition, the account bridge-based cache payment interface to pay the payment amount through a remote account bridge between the affiliate cache system 1705 and account accounting system 1859, or to cache the affiliate cache system 1705 of the customer. A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system (1783) provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system (1783) provided in the financial company, register the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

Referring to FIG. 17, when the account bridge server 1710 generates (or extracts) the account bridge-based cache payment interface in the interface provider 1725, a customer account (or an account) of the affiliate cache system 1705 may be used. Checking the cash balance information corresponding to the cash management account), comparing the amount corresponding to the cash balance information with the payment amount, and validating the payment amount through the cash balance (for example, insufficient cash balance); The cache payment validity verification unit 1730 (or the cache payment validity confirming means) for confirming, and when the cache payment validity check (or cash balance shortage), in conjunction with the affiliate cache system 1705 through the cache balance And a payment processing unit 1773 (or payment processing means) for payment processing of the payment amount.

When the interface providing unit 1725 generates (or extracts) the account bridge based cache payment interface, the cache payment validity checking unit 1730 is the account bridge D / B (1775) (or affiliate cache system 1705) Check the cash balance information corresponding to the customer account (or cache management account) of the affiliate cache system 1705, and the cash balance information corresponding to the customer account (or cache management account) If it is confirmed, the amount corresponding to the cash balance information and the payment amount may be compared to check the validity (for example, insufficient cash balance) for processing the payment amount through the cash balance.

When the cache payment validity is confirmed by the cache payment validity confirming unit 1730, the payment processing unit 1773 performs payment processing through the cash balance in connection with the affiliate cache system 1705. In response, the affiliate cache system 1705 (or the payment processing unit 1773) provides the customer terminal 1790 with a cache payment interface for processing the payment amount through the cash balance. desirable.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 17, the account bridge server 1710 bridges the customer account (or cache operating account) when the cache payment validity verification unit 1730 does not check the cache payment validity (or the cash balance is insufficient). Check the set amount of the customer account, and set a larger amount of the set amount corresponding to the purchase price (or the amount corresponding to the cash balance from the set amount) and the set amount; A recharge amount checking unit 1735 (or recharge amount checking means) for checking with automatic recharge amount information to be automatically recharged to the customer account (or a cash management account), and the confirmed recharge amount information and the customer account; An information display unit 1740 (or information display means) for displaying the cash balance information corresponding to the (or cache operating account) on the account bridge based cache payment interface. Characterized in that formed by having.

If the cache settlement validity is not confirmed by the cache settlement validity verification unit 1730 (eg, if the cash balance is insufficient), the recharge amount confirmation unit 1735 is the account bridge D / B 1775 (or In connection with the account relay server (1780) provided in the financial company, it is characterized in that the charge set amount for the customer account (or cache operating account) and the bridged customer account.

When the cash balance information corresponding to the customer account (or the cache operation account) of the affiliate cache system 1705 and the charge setting amount for the customer account bridged with the customer account (or the cache operation account) are confirmed, the charge amount is confirmed. The unit 1735 may withdraw the larger amount of the payment amount corresponding to the purchase price (or the amount corresponding to the cash balance from the payment amount) and the charge setting amount from the customer account and the customer account ( Or check the automatic recharge amount information to be automatically recharged to the cash management account).

According to another exemplary embodiment of the present invention, the charge amount checking unit 1735 may automatically check the charge setting amount for the customer account bridged with the customer account (or the cache operating account) as the automatic charge amount information. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the recharge amount confirmation unit 1735 may automatically check the payment amount or the amount deducting an amount corresponding to the cash balance from the payment amount with the automatic recharge amount information. The present invention is not limited thereto.

When the cash balance information and the automatic recharge amount information corresponding to the customer account (or the cache operating account) are confirmed by the recharge amount confirmation unit 1735, the information display unit 1740 is the customer account (or the cache operating account). Cash balance information and automatic charge amount information corresponding to the included in the account bridge-based cache payment interface generated (or extracted) by the interface provider 1725 is processed to be output through the customer terminal 1790 do.

According to an exemplary embodiment of the present invention, the information display unit 1740 preferably displays the cache balance information and the automatic charge amount information in separate display areas.

According to another exemplary embodiment of the present invention, the information display unit 1740 preferably adds the automatic charge amount information to the cache balance information and displays the information on the cache balance information.

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

Referring to FIG. 17, the account bridge server 1710 receives the payment request information when the customer terminal 1790 transmits the payment request information through the payment request interface included in the account bridge based cache payment interface. And an information receiving unit 1745 (or information receiving means).

The client terminal 1790 receiving the webpage including the account bridge based cache payment interface transmits the payment request information for the account bridge based cache payment through the payment request interface included in the account bridge based cache payment interface. In this case, the information receiving unit 1745 may receive the payment request information.

According to an exemplary embodiment of the present invention, the payment request information includes one or more customer account (or cache operating account) information, payment amount information, automatic recharge amount information, and affiliate information for operating the affiliate cache system 1705. It is preferable to make it.

Here, the customer account information, customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 1705 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operating account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 1705, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 1790 by accessing the affiliate server 1700. The payment amount information may be used for a cache-based payment processing. Preferably, the affiliate cache system 1705 includes cache information corresponding to a currency unit.

The automatic charge amount information may include a larger amount of a payment amount corresponding to the purchase price (or an amount less the amount corresponding to the cash balance) from the payment amount and a charge setting amount. It is preferable that the automatic charge amount information does not exceed the customer account balance (or charge limit amount).

The affiliate information preferably includes affiliate identification information corresponding to the affiliate server 1700 that operates the affiliate cache system 1705.

Referring to FIG. 17, when the account bridge server 1710 inputs and transmits non-face-to-face authentication information through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, the account terminal 1790 transmits the request. The payment amount is received through an information receiving unit 1745 (or information receiving means) for receiving non-face-to-face authentication information and a remote account bridge between the affiliate cache system 1705 and the account accounting system 1785 through the non-face-to-face authentication information. Non-face-to-face transaction validity for making a payment or replacing (or relaying) the cache of the affiliate cache system 1705 with the balance of a customer account bridged with the customer account (or cache operating account) It is characterized by comprising a transaction authentication processing unit 1750 (or transaction authentication processing means) for authenticating the.

The client terminal 1790 receiving the webpage including the account bridge based cache payment interface receives non-face-to-face authentication information for the account bridge based cache payment through the non-face authentication interface included in the account bridge based cache payment interface. When inputting (or selecting) and transmitting, the information receiving unit 1745 may receive the non-face-to-face authentication information.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (1783) provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered based on one non-face-to-face transaction authentication through the non-face-to-face authentication system 1783 provided to the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 1705 (or the account bridge system).

When the non-face-to-face authentication information for the account bridge-based cache payment is received through the information receiving unit 1745, the transaction authentication processor 1750 is connected to the affiliate cache system 1705 and the account system through the received non-face-to-face authentication information. Payment of the payment amount via a remote account bridge between systems 1785, or the cache of the affiliate cache system 1705 is replaced (or relayed) with the balance of the customer account bridged with the customer account (or cache operating account) ) To authenticate the non-face-to-face transaction validity of the payment amount.

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 1783 included in the financial company is received through the information receiver 1745 according to an exemplary embodiment of the present invention, the transaction authentication processor 1750 is configured to perform the non-face authentication. Processing the face-to-face authentication information to be transmitted to the non-face-to-face authentication system 1783 provided at the financial company to settle the payment amount through a remote account bridge between the affiliate cache system 1705 and the account accounting system 1785, or It is preferable to replace (or relay) the cache of the affiliate cache system 1705 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for the payment of the payment amount. .

According to another exemplary embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 1750 generates an arbitrary authentication number to generate the customer wireless. Transmits to a terminal, receives an authentication number input through a non-face-to-face authentication interface included in the account bridge based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal with the received authentication number to cache the affiliated company cache. Payment of the payment amount through a remote account bridge between the system 1705 and the accounting system 1785, or a cache of the affiliate account cache system 1705 with the customer account (or cache operating account) Verifying non-face-to-face transaction validity for paying the payment by replacing (or relaying) with the balance desirable.

When non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 1705 (or the account bridge system) is received through the information receiving unit 1745 according to another embodiment of the present invention, The transaction authentication processing unit 1750 compares the non-face-to-face authentication information with ID / PW information stored in the member information D / B (not shown) to establish a remote account bridge between the affiliate cache system 1705 and the account system 1785. To settle the settlement amount through the payment of the settlement amount, or to replace (or relay) the cache of the affiliate cache system 1705 with the balance of the customer account bridged with the customer account (or the cache management account). It is desirable to authenticate non-face to face transactions.

Referring to FIG. 17, the payment request information is received from the customer terminal 1790, and the non-face-to-face transaction validity for the payment through the remote account bridge between the affiliate cache system 1705 and the account accounting system 1785 is authenticated. The account bridge server 1710 may transmit the customer account (or cache operating account) information and the automatic recharge amount information to the account relay server 1780 provided in the financial institution 1755 (or the information). The automatic recharge amount from the customer account bridged with the customer account (or the cash management account) through the account relay system 1780 and the account relay system 1785 provided to the financial company in the account relay server 1780. Details of receiving transaction details corresponding to the deposit (or transfer) transaction from the account system 1785 when depositing (or transferring) the partner's fund management account. Receiving unit 1760 (or details receiving means), the transaction approval confirmation unit 1765 (or transaction approval confirming means) for reading the transaction history information to confirm whether the deposit (or transfer) transaction has been processed normally, and the deposit (Or transfer) When confirming a transaction approval for a transaction, in association with the account bridge D / B (1775) to check the customer account (or cache operating account) bridged with the customer account, and the affiliate cache system (1705) The details processing unit 1770 (or details processing means) for processing the received transaction details through the charge history of the customer account (or cache operating account) and the partner cache system 1705 corresponding to the charge history An automatic recharge amount is included in a cash balance corresponding to the customer account (or a cash management account), the payment amount is processed through the cash balance, and the affiliate cache system 1705 The payment processing unit 1773 (or payment processing means) for transmitting the payment history information corresponding to the cache-based payment processing through the customer terminal 1790, characterized in that the transaction approval confirmation unit 1765 When the transaction approval is not confirmed for the deposit (or transfer) transaction, the payment processing unit 1773 processes the transaction history information including the transaction unauthorized information for the deposit (or transfer) transaction as the account bridge based payment history information. It characterized in that the transmission to the customer terminal (1790).

The payment request information is received from the customer terminal 1790, the non-face-to-face transaction validity for the payment through the remote account bridge between the affiliate cache system 1705 and the account accounting system (1785) is authenticated, and the charge amount confirmation When the automatic charge amount information for the account bridge-based cache payment is confirmed by the unit 1735, the information transmission unit 1755 checks the customer account (or cache operating account) information included in the payment request information or Or check the customer account (or cache operating account) information in connection with the account bridge D / B 1175 and through the remote account bridge between the affiliate cache system 1705 and the accounting system 1785. (Or cache operating account) information and automatic recharge amount information is characterized in that it is transmitted to the account relay server 1780 provided in the financial institution.

Thereafter, the account relay server 1780 withdraws the automatic recharge amount from the customer account bridged with the customer account (or the cash management account) through the account accounting system 1785 included in the financial company, and thereby the non-banking affiliate company. Deposit (or transfer) the funds in the fund management account, and transmit transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 1710. In response, the history receiving unit 1760 receives the accounting system ( And from 1785, transaction history information corresponding to the deposit (or transfer) transaction.

If transaction history information including transaction approval information is received through the history receiver 1760, the transaction approval confirmation unit 1765 reads the transaction history information and checks whether the deposit (or transfer) transaction is normally processed. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction is processed normally, the details processing unit 1770 checks the customer account (or cache operating account) bridged with the customer account in connection with the account bridge D / B 1175. And processing the received transaction details through the affiliate cache system 1705 as the charges of the customer account (or the cache operating account), thereby storing the affiliate transaction system 1705. The actual payment procedure for the remote account bridge based cache payment processing between the account system 1785 is preferably completed.

The payment processing unit 1773 includes (eg, cache balance balancing) the automatic recharge amount corresponding to the charge history through the affiliate cache system 1705 in the cache balance corresponding to the customer account (or cache operation account). And payment processing of the payment amount through the cash balance including the automatic recharge amount, and if the payment history information corresponding to the cache-based payment processing is stored in the affiliate cache system 1705, the cache-based payment The payment history information corresponding to the processing may be transmitted to the customer terminal 1790.

On the other hand, if it is confirmed that the deposit (or transfer) transaction is normally processed, the payment processing unit 1773 converts the transaction history information including transaction unauthorized information of the deposit (or transfer) transaction into the account bridge based payment history information. Process and transmit to the customer terminal (1790).

FIG. 18 is a diagram illustrating a remote account bridge-based cache payment request process between an affiliate cache system 1705 and an account system 1785 according to a second embodiment of the present invention.

In more detail, FIG. 18 illustrates that the customer terminal 1790 accesses an affiliate server 1700 having an affiliate cache system 1705 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 1705, the account bridge server 1710 shown in FIG. 17 provides an account bridge based cache payment interface for account bridge based cache payment from the account bridge server 1710 to the customer terminal 1790. And a process of inputting (or selecting) payment request information through an account bridge-based cache payment interface in the customer terminal 1790, and a person having ordinary knowledge in the technical field to which the present invention belongs. Remote account bridge based cache payment between the affiliate cache system 1705 and the accounting system 1785 with reference to and / or variations of FIG. Would be able to infer a variety of exemplary methods for the blue course, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 18.

Hereinafter, in this figure 18, the customer terminal 1790 shown in Fig. 17 is referred to as "terminal" for convenience, and the account bridge server 1710 is referred to as "server" for convenience.

Referring to FIG. 18, the terminal accesses an affiliate server 1700 having an affiliate cache system 1705 to purchase one or more types or intangible products, and purchases the purchase price for the purchased products from the affiliate cache system. When requesting payment through 1705 (1800), the server correspondingly connects the communication channel with the terminal and generates an account bridge based cache payment interface to be provided to the terminal for the account bridge based cache payment. (1805).

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 1790 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge-based cache payment interface in FIG. 18 will be omitted for convenience.

Here, the account bridge based cache payment interface is the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 1705 and withdrawal from the customer account automatically to the customer account (or cache operating account) It is preferable to include the automatic recharge amount information to be charged, it is preferable to display the payment amount corresponding to the purchase price, and to further display the customer account (or cache operating account) information for the cash balance, According to the intention, it is preferable that the shopping cart further includes information on the purchased product.

In addition, the account bridge-based cache payment interface to pay the payment amount through a remote account bridge between the affiliate cache system 1705 and account accounting system 1859, or to cache the affiliate cache system 1705 of the customer. A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system (1783) provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system (1783) provided in the financial company, register the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

When the account bridge based cache payment interface is generated (or extracted), the server checks the cache balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 1705 and corresponds to the cache balance information. The amount of money is compared with the payment amount to check the validity (for example, insufficient cash balance) to process the payment amount through the cash balance (1810).

If the cache payment validity is confirmed (1815), the server is linked to the affiliate cache system 1705 to process the payment amount through the cash balance (1820), and correspondingly the affiliate cache system ( 1705 preferably provides a cash payment interface to the customer terminal 1790 to process the payment amount through the cash balance.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

On the other hand, if the cache payment validity is not confirmed (1815), the server checks the charge setting amount for the customer account bridged with the customer account (or cache operating account), and the payment amount corresponding to the purchase price (or the The amount greater than the amount corresponding to the cash balance from the payment amount and the set amount of the charge is withdrawn from the customer account to confirm the automatic amount of charge information to be automatically charged into the customer account (or the cash management account). (1825).

According to another exemplary embodiment of the present invention, the charge amount checking unit 1735 may automatically check the charge setting amount for the customer account bridged with the customer account (or the cache operating account) as the automatic charge amount information. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the recharge amount confirmation unit 1735 may automatically check the payment amount or the amount deducting an amount corresponding to the cash balance from the payment amount with the automatic recharge amount information. The present invention is not limited thereby.

If the cash balance information and the automatic recharge amount information corresponding to the existing customer account (or the cache operation account) are confirmed (1830), the server corresponds to the confirmed automatic recharge amount information and the customer account (or the cache operation account). After displaying the cash balance information on the account bridge based cache payment interface (1835), the account bridge based cache payment interface on which the cash balance information is displayed is transmitted to the terminal (1840).

According to an exemplary embodiment of the present invention, the server preferably displays the cache balance information and the automatic charge amount information in separate display areas.

According to another exemplary embodiment of the present invention, the server preferably adds the automatic recharge amount information to the cache balance information and displays the cache balance information in the display area.

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

The terminal provided with the account bridge based cache payment interface checks whether the account bridge based cache payment is requested through the account bridge based cache payment interface (1845), and if the account bridge based cache payment is requested (1850), The payment request information is transmitted to the server through the account bridge based cache payment interface (1855).

According to an exemplary embodiment of the present invention, the payment request information includes one or more customer account (or cache operating account) information, payment amount information, automatic recharge amount information, and affiliate information for operating the affiliate cache system 1705. It is preferable to make it.

Here, the customer account information, customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 1705 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operating account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 1705, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 1790 by accessing the affiliate server 1700. The payment amount information may be used for a cache-based payment processing. Preferably, the affiliate cache system 1705 includes cache information corresponding to a currency unit.

The automatic charge amount information may include a larger amount of a payment amount corresponding to the purchase price (or an amount less the amount corresponding to the cash balance) from the payment amount and a charge setting amount. It is preferable that the automatic charge amount information does not exceed the customer account balance (or charge limit amount).

The affiliate information preferably includes affiliate identification information corresponding to the affiliate server 1700 that operates the affiliate cache system 1705.

19 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge based cache settlement between the affiliate cache system 1705 and the account accounting system 1785 according to the second embodiment of the present invention.

In more detail, in FIG. 19, an account bridge based cache payment interface is provided to the customer terminal 1790 through the account bridge based cache payment request process shown in FIG. 18, or the account bridge from the customer terminal 1790. After the payment request information is transmitted through the based cache payment interface, the remote account bridge based cache between the affiliate cache system 1705 and the account system 1785 based on the non-face-to-face authentication interface included in the account bridge based cache payment interface. As a process for checking the validity of non-face-to-face transactions for payment, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 19 and the affiliate cache system 1705 and the account accounting system. (1785) Non-face-to-face transaction validation for remote account bridge-based cache payments and Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 19.

In this figure 19, the customer terminal 1790 shown in Fig. 17 is referred to as "terminal" for convenience, and the account bridge server 1710 is referred to as "server" for convenience.

Referring to FIG. 19, an account bridge based cache payment interface is provided to the customer terminal 1790 through the account bridge based cache payment request process shown in FIG. 18, or the account bridge based from the customer terminal 1790. After the payment request information is transmitted through the cache payment interface, the terminal uses a non-face-to-face authentication interface included in the account bridge based cache payment interface to establish a remote account bridge based between the affiliate cache system 1705 and the account system 1785. In operation 1900, the non-face-to-face authentication information for checking the validity of the non-face-to-face transaction for cash payment is input.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (1783) provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered based on one non-face-to-face transaction authentication through the non-face-to-face authentication system 1783 provided to the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 1705 (or the account bridge system).

If the non-face-to-face authentication information for confirming the validity of the non-face-to-face transaction for the remote account bridge-based cache payment between the affiliate cache system 1705 and the account system 1785 through the non-face-to-face authentication interface (1905), the The terminal transmits the input non-face-to-face authentication information to the server through the non-face-to-face authentication interface (1910).

When the non-face-to-face authentication information includes one or more encryption / decryption-based authentication information, public certificate-based authentication information, one-time password, transaction password, and account password according to an embodiment of the present invention, the non-face-to-face authentication information may be used by the financial company. It is possible to be sent directly to the non-face-to-face authentication system 1783, whereby the present invention is not limited.

Thereafter, the server pays the amount of payment through the remote account bridge between the affiliate cache system 1705 and the account accounting system 1785 through the received non-face-to-face authentication information, or of the affiliate cache system 1705. The cache is replaced (or relayed) with the balance of the customer account bridged with the customer account (or cache operating account) to verify the non-face-to-face transaction validity of the payment amount (1915).

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 1783 included in the financial company is received according to an embodiment of the present invention, the server provides the non-face-to-face authentication system provided to the financial company. (1783) processing to be sent to the payment through the remote account bridge between the affiliate cache system 1705 and the account accounting system (1785), or the cache of the affiliate cache system 1705 to the customer account ( Or by replacing (or relaying) the balance of the customer account bridged with the cash management account) and authenticating the non-face-to-face transaction validity for payment of the payment amount.

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates a random authentication number and transmits it to the customer wireless terminal, Receive the authentication number entered through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal with the received authentication number and the affiliated cache system 1705 Payment of the payment amount via a remote account bridge between accounting systems 1785, or replacing the cache of the affiliate cache system 1705 with the balance of the customer account bridged with the customer account (or cache operating account) It is preferable to authenticate the non-face-to-face transaction validity for the payment of the payment amount.

According to another exemplary embodiment of the present invention, when non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 1705 (or the account bridge system) is received, the server provides the non-face-to-face authentication information. Comparing the ID / PW information stored in the member information D / B (not shown) to settle the payment amount through a remote account bridge between the affiliate cache system 1705 and the account system 1785, or the affiliate cache It is desirable to replace (or relay) the cache of the system 1705 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for paying the payment amount.

If the non-face-to-face transaction validity for the account bridge-based cache payment is not confirmed through the non-face-to-face authentication information (1920), the server transmits the non-face-to-face authentication error information to the terminal through a communication channel (1925).

On the other hand, if the non-face-to-face transaction validity for the account bridge-based cache payment is confirmed through the non-face-to-face authentication information (1920), the server transmits the non-face-to-face authentication result information to the terminal through the communication channel (1930).

20 is a diagram illustrating a remote account bridge-based cache payment process between the affiliate cache system 1705 and the account account system 1785 according to the second embodiment of the present invention.

In more detail, in FIG. 20, an account bridge based cache payment interface is provided to the customer terminal 1790 through the account bridge based cache payment request process shown in FIG. 18, and then the account bridge based on the account bridge 1790. When requesting an account bridge-based cash payment through the cache payment interface and validating the non-face-to-face transaction for the account bridge-based cash payment through the non-face-to-face transaction validation process shown in FIG. 19, the process shown in FIG. The account bridge server 1710 processes the payment through the affiliate cache system 1705 by remotely bridging the affiliate cache system 1705 and the account system 1785 in conjunction with the account relay server 1780 provided to the financial company. As a process for doing so, those of ordinary skill in the art to which the present invention belongs, By reference and / or modification, one may infer various implementation methods for the remote account bridge based cache payment process between the affiliate cache system 1705 and the accounting system 1785, but the present invention includes all such implementation methods inferred. The present invention is not limited to the implementation method illustrated in FIG. 20.

20, the customer terminal 1790 shown in FIG. 17 is referred to as "terminal" for convenience, and the account bridge server 1710 is referred to as "server" for convenience.

Referring to FIG. 20, the client terminal 1790 requests an account bridge based cache payment through the account bridge based cache payment request process illustrated in FIG. 18, and performs a non-face-to-face transaction validation process illustrated in FIG. 19. If the non-face-to-face transaction validity for the account bridge based cache payment is authenticated, the server checks whether the account bridge based cache payment is requested from the terminal (2000), and if the account bridge based cache payment request is verified ( 2005, the server may be configured to provide the account relay server with the customer account (or cache operating account) information and the automatic recharge amount information through the remote account bridge between the affiliate cache system 1705 and the account accounting system 1785 ( 1780) (2010).

Thereafter, the server checks whether the transaction history information for the automatic recharge amount information is received from the account relay server 1780 provided in the financial company (2015).

If transaction history information on the charge amount information is received from the account relay server 1780 (2020), the server reads the transaction history information to confirm whether the transaction is approved (2025).

If the transaction approval result is not confirmed with the transaction result information (2030), the server processes the transaction history including transaction unauthorized information as payment history information by the affiliate cache system (1705) (2035). In operation 2060, payment history information regarding the account bridge-based cache payment is transmitted to the terminal.

On the other hand, if the transaction approval of the transaction history information is confirmed (2030), the server processes the transaction information as the charging history of the affiliate cache system 1705 and applies (2040), the affiliate cache system In connection with the charge 1705, the automatic charge amount corresponding to the charge is included in the cash balance corresponding to the customer account (or the cache operating account) (for example, the balance of the cash balance) (2045), and the affiliate cache system 1705. In step 2050, the payment amount is processed through the cash balance including the automatic recharge amount.

If the payment amount is processed through the cash balance including the automatic recharge amount (2055), the server transmits and outputs the payment history information for the account bridge-based cache payment to the terminal (2060).

FIG. 21 illustrates a remote account bridge based reservation payment system between an affiliate cache system 2105 and an account system 2193 according to a second embodiment of the present invention.

In more detail, FIG. 21 illustrates that the customer terminal 2195 accesses an affiliate server 2100 having an affiliate cache system 2105 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When the payment request is made through the affiliate cache system 2105, an account bridge based cache payment interface is provided to the customer terminal 2195 for an account bridge based cache payment, and the account bridge based cache is provided at the customer terminal 2195. When the payment request information is input (or selected) through a payment interface, the payment request information is used to remotely bridge the affiliate cache system 2105 provided in the non-financial affiliate and the account system 2193 provided in the financial company. As a system configuration for pre-payment of the payment amount corresponding to the purchase price, specifically Check the cash balance information corresponding to the customer account (or cache operating account) of the cash flow system 2105 and the charge setting amount for the customer account bridged with the customer account (or the cache operating account), and correspond to the purchase price. After confirming the larger amount of the payment amount (or the amount corresponding to the cash balance from the payment amount) and the charge setting amount to the automatic charge amount, and then bridged remotely with the customer account (or cache operating account) The present invention relates to a method for processing a payment by withdrawing the automatic recharge amount from a customer account by using either a prepayment withdrawal payment or a prepayment with a reservation payment method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 21 to provide a variety of remote account bridge based reservation payment system configurations between the affiliate cache system 2105 and the accounting system 2193. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 21 according to an embodiment of the present invention, a remote account bridge-based reservation payment system between the affiliate cache system 2105 and the account system 2193 includes one or more browser programs, and through the browser program. One or more types or intangibles of a customer terminal 2195 connected to a communication network and the customer terminal 2195 through the communication network, and when connected through the communication network from the customer terminal 2195 to the customer terminal 2195. Cache-based payment for the payment amount of the product sold by the affiliate server 2100 based on the funds deposited in the partner's server 2100 selling non-financial affiliates' funds management accounts opened at the financial institution; Affiliate cache system 2105 to process and the purchase price for the purchases in the customer terminal 2195 through the affiliate cache system 2105 If a request is made for non-payment, an account bridge-based cache payment interface for account bridge-based cache payment is provided to the customer terminal 2195, and payment request information is input through the account bridge-based cache payment interface at the customer terminal 2195. (Or the selection), the payment amount corresponding to the purchase price by remotely bridging the affiliate cash system 2105 provided to the non-financial partner and the account system 2193 provided to the financial company through the payment request information. The account bridge server 2110 (= functional name of the account bridge system) for payment processing, and the account bridge server 2110 for remote account bridge-based cache payment between the affiliate cache system 2105 and the account accounting system 2193; The account relay server 2187 (= functional name of the account relay system) provided to the financial company to interlock with the non-financial sector. It is characterized in that it comprises an account management system (2193) for operating a partner's fund management account and one or more customer accounts.

However, in FIG. 21, the account bridge server 2110 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the account bridge server 2110 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account bridge server 2110 corresponds to the functional name of the account bridge system shown in FIG. 1 and is not limited to the physical name.

The customer terminal 2195 is connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a notebook computer connected to the account bridge server 2110 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP- including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or bi-directional communication through any one of the wired or wireless communication network- At least one TV device (not shown) including at least one TV or digital TV or DMB And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Persons of ordinary skill in the art to which the present invention pertains know the technical features of the customer terminal 2195 including at least one of the wired terminal, the wireless terminal, or the TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 2110 may include web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 2195. And a database for storing the database, wherein the database is provided in a database management system (DBMS) associated with the account bridge server 2110.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided from the account bridge server 2110 to the customer terminal 2195. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 2195 It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, a web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided from the account bridge server 2110 to the customer terminal 2195. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page contents) may be included. In this case, the web page provided to the customer terminal 2195 may include one or more web pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

According to another exemplary embodiment of the present invention, the webpage operation data is in addition to the account bridge server 2110 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 2195. It is possible to be provided in any one of the affiliate server 2100, affiliate cache system 2105, gateway 2185, the present invention is the web page operation data is the affiliate server 2100, affiliate cache system 2105 It is apparent that the implementation method included in any one of the gateways 2185 is included.

According to an embodiment of the present invention, the account bridge server 2110 stores and stores customer account information (or cache operating account) information and customer account information registered through the account registration system shown in FIG. It is preferable to have an account bridge D / B 2183 for storing information and at least one wireless terminal information in association with each other, or to interwork through a network, and the account bridge D / B 2183 may be configured as the customer account ( Or store the cash balance information corresponding to the cash management account more in association with each other, or add the charge setting amount information and withdrawal limit amount information corresponding to the customer account information bridged with the customer account (or the cash management account) remotely. It is desirable to store in conjunction.

Here, the cash balance information is balance information of a cache stored, recorded, and managed through the customer account (or a cache operating account) among the amounts deposited in the fund management account in the affiliate cache system 2105. It is preferable to include a balance in which the cash corresponding to the payment is deducted from the cache corresponding to the charge corresponding to the customer account (or the cache operating account) of the system 2105.

According to another embodiment of the present invention, when the account bridge server 2110 checks the cash balance through the affiliate cache system 2105, the cash balance information may be omitted in the account bridge D / B 2183. The present invention is not limited thereto.

The charge setting amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner pays the payment amount using the affiliate cash system 2105. As an amount set to be deposited (or transferred) into a fund management account, the set amount is preferably set by the customer or set according to a policy of the account bridge server 2110.

The withdrawal limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 2105. As the limit amount to be deposited (or transferred) into the funds management account of the, the withdrawal limit amount preferably includes one or more of the limit amount of one-time limit, daily limit amount, weekly limit amount, monthly limit amount.

If the charge setting amount information and withdrawal limit amount information are stored in the account relay D / B provided to the financial company, the charge setting amount information and withdrawal limit amount information is stored in the account bridge D / B 2183. It is possible to omit it, thereby not limiting the invention.

Referring to FIG. 21, the account bridge server 2110 provides a web page to the customer terminal 2195 using an HTTP compatible protocol corresponding to the communication network, or based on a web page provided to the customer terminal 2195. It characterized in that it comprises a web interface unit 2115 for connecting and managing a web interface for receiving (or selected) a variety of information input (or selected) from the customer terminal (2195).

According to an exemplary embodiment of the present invention, when the customer terminal 2195 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the web interface unit 2115 may communicate with the customer terminal 2195 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, *. It is preferable to interface so that the web page of xml) is provided, or to receive the information input from the customer terminal 2195 in a GET / POST method.

According to another exemplary embodiment of the present invention, when the customer terminal 2195 is a wireless terminal to which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 2115 may communicate with the customer terminal 2195 and CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 2195 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or so that the information input from the customer terminal 2195 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 2195 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 2115 may connect with the customer terminal 2195 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. It is preferable to interface so that the web page of xml) is provided or to receive the information input from the customer terminal 2195 in a GET / POST manner.

According to another exemplary embodiment of the present invention, the web interface unit 2115 provides the account bridge server 2110 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 2195. ), In addition to the affiliate server 2100, affiliate cache system 2105, gateway 2185 may be provided, the present invention is the web interface unit 2115 is the affiliate server 2100, affiliates It is evident that the implementation includes both the cache system 2105 and the gateway 2185.

Referring to FIG. 21, the customer terminal 2195 accesses an affiliate server 2100 having an affiliate cache system 2105, purchases one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 2105, the account bridge server 2110 generates (or extracts) a web page to be provided to the customer terminal 2195 based on the web page operation data. Account bridge based cache payment for the account bridge based cache payment on the web page generated by the web page operating unit 2120 (or web page operating means) and the web page operating unit 2120 (or extracted) And an interface providing unit 2125 (or an interface providing unit) including an interface, wherein the web page operating unit 2120 is the web in. In conjunction with the interface unit 2115 to the Web page the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (2195).

According to another exemplary embodiment of the present invention, the webpage operating unit 2120 and the interface providing unit 2125 provide an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 2195. In addition to the account bridge server 2110, the affiliate server 2100, the affiliate cache system 2105, the gateway 2185 may be provided in any one of the present invention, the present invention is the web page management unit 2120 It is apparent that the interface providing unit 2125 includes all implementation methods provided in any one of the affiliate server 2100, the affiliate cache system 2105, and the gateway 2185.

A payment means for accessing an affiliate server 2100 having an affiliate cache system 2105 at the customer terminal 2195 to purchase one or more types or intangible products, and to process a purchase price for the purchased product. When the payment amount corresponding to the purchase price is requested to be paid through the affiliate cache system 2105 based on a payment method selection interface for selecting a payment, the web page operation unit 2120 may execute the affiliate cache system 2105. A web page link to be provided to the customer terminal 2195 for remote account bridge based payment processing between the accounting system 2193 and a web page corresponding to the confirmed web page link from the web page operation data. (Or extract) the web page source and the web content to be identified, and use the identified web page source and the web content to It is characterized by generating (or extracting) a web page to be provided to the customer terminal 2195.

When the webpage manager 2120 generates (or extracts) a webpage to be provided to the customer terminal 2195 for remote account bridge based payment processing between the affiliate cache system 2105 and the account accounting system 2193, The interface providing unit 2125 may be configured to include the account bridge based cache payment interface on the web page to be provided to the customer terminal 2195 in connection with the web page operation unit 2120.

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 2195 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 21 will be omitted for convenience.

Here, the account bridge-based cache payment interface is the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 2105 and withdrawal from the customer account automatically to the customer account (or cache operating account) It is preferable to include the automatic recharge amount information to be charged, it is preferable to display the payment amount corresponding to the purchase price, and to further display the customer account (or cache operating account) information for the cash balance, According to the intention, it is preferable that the shopping cart further includes information on the purchased product.

In addition, the account bridge-based cache payment interface to pay the payment amount through a remote account bridge between the affiliate cache system 2105 and account accounting system 2193, or to cache the affiliate cache system 2105 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system 2190 provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 2190 provided in the financial company registers the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

In addition, the account bridge-based cash payment interface further includes a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (eg, withdrawal payment after advance reservation or reservation payment after advance payment). It is preferable to comprise.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

Referring to FIG. 21, when the account bridge server 2110 generates (or extracts) the account bridge-based cache payment interface, the account bridge server 2110 may generate a customer account (or an account) of the affiliate cache system 2105. Checking the cash balance information corresponding to the cash management account), comparing the amount corresponding to the cash balance information with the payment amount, and validating the payment amount through the cash balance (for example, insufficient cash balance); The cache payment validity confirming unit 2130 (or the cache payment validity confirming means) for checking the cache payment validity check (or the cash balance is insufficient), in conjunction with the affiliate cache system 2105 through the cache balance in the It is characterized by comprising a payment processing unit 2173 (or payment processing means) for payment processing the payment amount.

When the interface providing unit 2125 generates (or extracts) the account bridge based cache payment interface, the cache payment validity checking unit 2130 may perform the account bridge D / B 2183 (or an affiliate cache system 2105). Check the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 2105, and the cash balance information corresponding to the customer account (or cache operating account) If it is confirmed, the amount corresponding to the cash balance information and the payment amount may be compared to check the validity (for example, insufficient cash balance) for processing the payment amount through the cash balance.

When the cache payment validity is confirmed by the cache payment validity confirming unit 2130, the payment processing unit 2173 performs payment processing through the cash balance in connection with the affiliate cache system 2105. In response, the affiliate cache system 2105 (or the payment processing unit 2173) provides the customer terminal 2195 with a cache payment interface for processing the payment amount through the cash balance. desirable.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 21, the account bridge server 2110 bridges the client account (or cache operating account) when the cache payment validity verification unit 2130 does not check the cache payment validity (or the cash balance is insufficient). Check the set amount of the customer account, and set a larger amount of the set amount corresponding to the purchase price (or the amount corresponding to the cash balance from the set amount) and the set amount; A recharge amount confirmation unit 2135 (or recharge amount checking means) for checking with automatic recharge amount information to be automatically recharged to the customer account (or a cash management account); and the checked recharge amount information and the customer account. An information display unit 2140 (or information display means) for displaying the cash balance information corresponding to the (or cache operating account) on the account bridge based cache settlement interface. Characterized in that formed by having.

If the cache settlement validity is not confirmed by the cache settlement validity confirming unit 2130 (eg, when the cash balance is insufficient), the payment amount confirming unit 2135 may perform the account bridge D / B 2183 (or In connection with the account relay server (2187) provided in the financial company, it is characterized in that the charge setting amount for the customer account (or cache operating account) and the bridged customer account.

When the cash balance information corresponding to the customer account (or the cache operation account) of the affiliate cache system 2105 and the charge setting amount for the customer account bridged with the customer account (or the cache operation account) are confirmed, the charge amount is confirmed. The unit 2135 may withdraw the larger amount of a payment amount (or an amount corresponding to the cash balance from the payment amount) and a charge setting amount corresponding to the purchase price from the customer account and the customer account ( Or check the automatic recharge amount information to be automatically recharged to the cash management account).

According to another exemplary embodiment of the present invention, the charge amount checking unit 2135 may automatically check the charge setting amount for the customer account bridged with the customer account (or cache operating account) as the automatic charge amount information. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the recharge amount confirming unit 2135 may automatically check the payment amount or the amount deducting the amount corresponding to the cash balance from the payment amount with the automatic recharge amount information. The present invention is not limited thereto.

When the cash balance information and the automatic recharge amount information corresponding to the customer account (or the cache operating account) are confirmed by the recharge amount confirmation unit 2135, the information display unit 2140 may display the customer account (or the cache operating account). Cash balance information and automatic charge amount information corresponding to the included in the account bridge-based cache payment interface generated (or extracted) by the interface provider 2125 to process the output through the customer terminal 2195 do.

According to an exemplary embodiment of the present invention, the information display unit 2140 preferably displays the cache balance information and the automatic charge amount information in separate display areas.

According to another exemplary embodiment of the present invention, the information display unit 2140 preferably displays the cache balance information by adding the automatic charge amount information to the cache balance information.

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

Referring to FIG. 21, the account bridge server 2110 receives the payment request information when the customer terminal 2195 transmits payment request information through a payment request interface included in the account bridge based cache payment interface. And an information receiving unit 2145 (or information receiving means).

When the client terminal 2195 provided with the webpage including the account bridge based cache payment interface transmits the payment request information for the account bridge based cache payment through the payment request interface included in the account bridge based cache payment interface The information receiving unit 2145 may receive the payment request information.

According to an embodiment of the present invention, the payment request information may include one or more customer account (or cache operating account) information, payment amount information, automatic recharge amount information, and affiliate information for operating the affiliate cache system 2105. It is preferable to be made, and the purchase method information, payment method selection information through the payment method selection interface may be further included according to the intention of those skilled in the art.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 2105 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliated cache system 2105, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 2195 by accessing the affiliate server 2100. The payment amount information may be used for a cache-based payment processing. It is preferable that the cache information corresponding to the currency unit of the affiliate cache system 2105 is included.

The automatic charge amount information may include a larger amount of a payment amount corresponding to the purchase price (or an amount less the amount corresponding to the cash balance) from the payment amount and a charge setting amount. It is preferable that the automatic recharge amount information does not exceed the customer account balance (or withdrawal limit amount).

Preferably, the affiliate information includes affiliate identification information corresponding to the affiliate server 2100 that operates the affiliate cache system 2105.

Referring to FIG. 21, when the account bridge server 2110 inputs and transmits non-face-to-face authentication information through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, the non-face-to-face authentication information is transmitted from the client terminal 2195. The payment amount is settled through an information receiving unit 2145 (or information receiving means) for receiving face-to-face authentication information and a remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 through the non-face-to-face authentication information. Or replace (or relay) the cache of the affiliate cache system 2105 with the balance of the customer account bridged with the customer account (or cache operating account) to pay for the non-face-to-face transaction validity of the settlement amount. It is characterized by comprising a transaction authentication processing unit 2150 (or transaction authentication processing means) for authenticating.

The client terminal 2195 receiving the webpage including the account bridge based cache payment interface receives non-face-to-face authentication information for the account bridge based cache payment through the non-face authentication interface included in the account bridge based cache payment interface. When inputting (or selecting) and transmitting, the information receiving unit 2145 may receive the non-face-to-face authentication information.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (2190) provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered through the non-face-to-face authentication system 2190 provided in the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 2105 (or the account bridge system).

When the non-face-to-face authentication information for the account bridge-based cache payment is received through the information receiving unit 2145, the transaction authentication processor 2150, through the received non-face-to-face authentication information and the affiliate cache system 2105 and account system Payment of the payment amount via a remote account bridge between systems 2193, or replacing the cache of the affiliate cache system 2105 with the balance of the customer account bridged with the customer account (or cache operating account) ) To authenticate the non-face-to-face transaction validity of the payment amount.

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 2190 provided in the financial company is received through the information receiver 2145 according to an embodiment of the present invention, the transaction authentication processor 2150 is the non-face authentication. Processing the face-to-face authentication information to be transmitted to the non-face-to-face authentication system 2190 provided in the financial company to settle the payment amount through a remote account bridge between the affiliate cache system 2105 and the account accounting system 2193, or It is preferable to replace (or relay) the cache of the affiliate cache system 2105 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for the payment of the payment amount. .

According to another exemplary embodiment of the present invention, when authenticating the non-face-to-face transaction validity using a wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 2150 generates an arbitrary authentication number to generate the customer wireless. Transmits to a terminal, receives an authentication number input through a non-face-to-face authentication interface included in the account bridge based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal with the received authentication number to cache the affiliated company cache. Payment of the payment amount via a remote account bridge between system 2105 and accounting system 2193, or a cache of the affiliate account cache system 2105 with a customer account bridged with the customer account (or cache operating account) Verifying non-face-to-face transaction validity for paying the payment by replacing (or relaying) with the balance desirable.

When non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 2105 (or the account bridge system) is received through the information receiving unit 2145 according to another embodiment of the present invention, The transaction authentication processor 2150 compares the non-face-to-face authentication information with ID / PW information stored in member information D / B (not shown) to establish a remote account bridge between the affiliate cache system 2105 and the account system 2193. To pay the amount of the payment through the payment, or to replace (or relay) the cache of the affiliate cache system 2105 with the balance of the customer account bridged with the customer account (or the cash management account) to settle the payment amount. It is desirable to authenticate non-face to face transactions.

Referring to FIG. 21, the account bridge server 2110 may make a payment for the payment request information through a remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 in advance withdrawal payment method. To this end, the payment request information is received from the customer terminal 2195, the non-face-to-face transaction validity for payment through the remote account bridge between the affiliate cache system 2105 and the account system 2193 is authenticated, the charging When the automatic payment amount information for the account bridge-based cash payment is confirmed by the amount checking unit 2135, the affiliate cash system 2105 and the account accounting system 2193 check the payment amount included in the payment request information within a predetermined time. An information generation unit 2175 (or information generating means) for generating payment reservation information for payment processing through a remote account bridge between the customer account ( The information storage unit 2177 (or information storage means) for storing the information in the account bridge D / B (2183) (or affiliate cache system 2105) in association with the cache operating account) information, automatic recharge amount information and payment reservation information And a customer approval confirmation unit 2180 for confirming customer approval for processing the payment through the remote account bridge between the affiliate cash system 2105 and the account accounting system 2193 through the payment reservation information and the customer communication means. (Or a customer approval confirmation means) characterized by comprising.

The payment request information is received from the customer terminal 2195, and the validity of the non-face-to-face transaction for payment through the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 is authenticated, and the charge amount is confirmed. When the automatic charge amount information for the account bridge based cache payment is confirmed by the unit 2135, the information generation unit 2175 may set the payment amount included in the payment request information within the predetermined time in the affiliate cache system 2105. Reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, customer communication means information for processing the payment through the remote account bridge between the account system 2193, according to the intention of the skilled person It further includes payment amount information (or the automatic recharge amount information) included in the payment request information, affiliate information and purchase product information. The features that create a payment schedule information.

Here, the reservation payment expiration date and time information includes one or more date information and time information when the reservation payment of the withdrawal payment method expires after the pre-booking, and the payment amount included in the payment request information after the reservation payment expiration date and time. It is preferable that the payment processing for is automatically canceled or processed so as to be automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is preferably automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or created) or registered through an information registration procedure such as the account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 2100 (or affiliate cache system 2105). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When payment reservation information is generated through the information generation unit 2175, the information storage unit 2177 is generated by the customer account (or cache operating account) information, automatic charge amount information, and the information generation unit 2175. Linked payment reservation information is stored in the account bridge D / B (2183) (or affiliate cache system 2105).

The account storage D / B 2183 (or the affiliate cache system 2105) is linked to the account bridge D / B 2183 (or the affiliate cache system 2105) by the information storage unit 2177, the automatic recharge amount information, and the payment reservation information. When stored, the customer approval confirmation unit 2180 checks the reservation payment expiration date and time information included in the payment reservation information in connection with the account bridge D / B 2183 (or the affiliate cache system 2105), and Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a reservation payment expiration date and including a password input interface for inputting and transmitting the customer approval password; Characterized in that the transmission to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 2180 is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to customer wireless terminal information, or Receive the customer approval password entered through the password input interface from the terminal receiving the mail, or a terminal using a messenger, and the received customer approval password and the account bridge D / B (2183) (or affiliate cache system ( 2105) to confirm the customer approval for processing the payment through the remote account bridge between the affiliate cash system 2105 and the account accounting system 2193 by comparing with the customer approval password of the payment reservation information stored in the 2105). .

Referring to FIG. 21, the account bridge server 2110 checks whether the customer approval for the reservation payment is confirmed by the customer approval confirming unit 2180 or by the automatic payment processing information included in the payment reservation information. When the reservation payment is automatically approved, the information transmission unit 2155 (or information transmission means) for transmitting the customer account (or cache operating account) information and the automatic recharge amount information to the account relay server 2187 provided at the financial institution. And withdraw the automatic recharge amount from the customer account bridged with the customer account (or a cash management account) through the account accounting system 2193 provided to the financial company in the account relay server 2187 to fund the non-financial partner. When depositing (or transferring) to a management account, the history receiver 2160 for receiving transaction details corresponding to the deposit (or transfer) transaction from the account system 2193 ( Is a transaction receiving confirmation unit 2165 (or transaction approval confirming means) for confirming whether the deposit (or transfer) transaction has been normally processed by reading the transaction history information, the transaction history information, and the deposit (or transfer) transaction. When confirming the transaction approval for, confirm the customer account (or cache operating account) bridged with the customer account in association with the account bridge D / B (2183), and the received transaction through the affiliate cache system (2105) Through the history processing unit 2170 (or history processing means) for processing the history information as the charge history of the customer account (or cache operating account) and the affiliated cash system 2105, the automatic charge amount corresponding to the charge history Included in the cash balance corresponding to the customer account (or cash management account), the payment amount is processed through the cash balance, the cache through the affiliate cache system 2105 It comprises a payment processing unit 2173 (or payment processing means) for transmitting the payment history information corresponding to the semi-payment processing to the customer terminal (2195), the deposit by the transaction approval confirmation unit 2165 (Or transfer) When the transaction approval for the transaction is not confirmed, the payment processing unit 2173 processes the transaction history information including the transaction unauthorized information on the deposit (or transfer) transaction as the account bridge-based payment history information to the customer. Characterized in that the transmission to the communication means.

When the customer approval for the reservation payment is confirmed by the customer approval confirmation unit 2180 or the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, the information transmission unit 2155 Checks the customer account (or cache operating account) information included in the payment request information, or checks the customer account (or cache operating account) information in association with the account bridge D / B 2183, the affiliate The customer account (or cache operating account) information and the automatic recharge amount information are transmitted to the account relay server 2187 provided at the financial institution through the remote account bridge between the cache system 2105 and the accounting system 2193. It is done.

Thereafter, the account relay server 2187 withdraws the automatic recharge amount from the customer account bridged with the customer account (or cache operating account) through the account accounting system 2193 provided at the financial company, and thereby the non-banking affiliate company. Deposit (or transfer) the funds in the fund management account, and transmit transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 2110, and correspondingly, the history receiver 2160 is the account accounting system ( 2193), the transaction history information corresponding to the deposit (or transfer) transaction is received.

If transaction history information including transaction approval information is received through the history receiver 2160, the transaction approval confirmation unit 2165 reads the transaction history information to check whether the deposit (or transfer) transaction is normally processed. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction is normally processed, the details processing unit 2170 checks the customer account (or the cache operating account) bridged with the customer account in connection with the account bridge D / B 2183. And, through the affiliate cache system 2105 is characterized in that the received transaction history information to be processed and stored as the charge history of the customer account (or cache operating account).

The payment processing unit 2173 includes (eg, cache balance balancing) an automatic recharge amount corresponding to the charges in the cache balance corresponding to the customer account (or a cache operating account) through the affiliate cache system 2105. And payment processing of the payment amount through the cash balance including the automatic recharge amount, and if the payment history information corresponding to the cache-based payment processing is stored in the affiliate cache system 2105, the cache-based payment The payment history information corresponding to the processing is transmitted to the customer terminal 2195.

On the other hand, when it is confirmed that the deposit (or transfer) transaction is processed normally, the payment processing unit 2173 processes the transaction history information including transaction unauthorized information on the deposit (or transfer) transaction as the account bridge based payment history information. To transmit to the customer communication means.

Referring to FIG. 21, the account bridge server 2110 may make a payment for the payment request information through a remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 in a withdrawal reservation method. To this end, the payment request information is received from the customer terminal 2195, the non-face-to-face transaction validity for payment through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is authenticated, When the automatic payment amount information for the account bridge-based cash payment is confirmed by the payment amount confirmation unit 2135, an account relay server provided with the customer account (or cache operating account) information and the automatic payment amount information in the financial company ( 2187, an information transmitting unit 2155 (or information transmitting means) and an accounting system 2193 provided to the financial company in the account relay server 2187. When the withdrawal (or transfer) of the automatic recharge amount from the customer account bridged with the customer account (or the cash management account) to the fund management account of the non-financial partner, the deposit (or transfer) from the account system 2193 Transfer) A history reception unit 2160 (or a history reception unit) for receiving transaction history information corresponding to a transaction, and a transaction approval confirmation unit 2165 for checking whether the deposit (or transfer) transaction is normally processed by reading the transaction history information. (Or transaction approval confirming means) and the transaction approval for the deposit (or transfer) transaction, the payment amount included in the payment request information within the predetermined time within the affiliate cache system 2105 and the account accounting system 2193 Information generation unit 2175 (or information generating means) for generating payment reservation information for payment processing through a remote account bridge between the first and second customer accounts ( Or an information storage unit 2177 (or information storage means) that stores information in the account bridge D / B 2183 (or the affiliate cache system 2105) in association with the cache operating account information, the automatic recharge amount information, and the payment reservation information. And a customer approval confirmation unit 2180 for confirming customer approval for processing the payment through the remote account bridge between the affiliate cash system 2105 and the account accounting system 2193 through the payment reservation information and the customer communication means. (Or customer approval confirmation), and when the transaction approval is not confirmed for the deposit (or transfer) transaction by the transaction approval confirmation unit 2165, the transaction for the deposit (or transfer) transaction And a payment processing unit 2173 for processing transaction history information including unauthorized information as the account bridge-based payment history information and transmitting the same to the customer communication means. It characterized.

The payment request information is received from the customer terminal 2195, and the validity of the non-face-to-face transaction for payment through the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 is authenticated, and the charge amount is confirmed. When the automatic charge amount information for the account bridge-based cache payment is confirmed by the unit 2135, the information transmission unit 2155 checks the customer account (or cache operating account) information included in the payment request information, Or check the customer account (or cache operating account) information in connection with the account bridge D / B (2183), and through the remote account bridge between the affiliate cache system 2105 and account accounting system (2193) Or the cash management account) information and the automatic recharge amount information to the account relay server 2187 provided in the financial company.

Thereafter, the account relay server 2187 withdraws the automatic recharge amount from the customer account bridged with the customer account (or cache operating account) through the account accounting system 2193 provided at the financial company, and thereby the non-banking affiliate company. Deposit (or transfer) the funds in the fund management account, and transmit transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 2110, and correspondingly, the history receiver 2160 is the account accounting system ( 2193), the transaction history information corresponding to the deposit (or transfer) transaction is received.

If transaction history information including transaction approval information is received through the history receiver 2160, the transaction approval confirmation unit 2165 reads the transaction history information to check whether the deposit (or transfer) transaction is normally processed. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction is normally processed, the information generating unit 2175 may set the payment amount included in the payment request information between the affiliate cache system 2105 and the account system 2193 within a predetermined time. It includes one or more transaction history information, reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, customer communication means information received through the history receiving unit 2160 for payment processing through a remote account bridge And, according to the intention of the skilled in the art characterized in that the payment reservation information further comprises the payment information (or the automatic charge amount information), the affiliate information and the purchase product information included in the payment request information.

The transaction history information may include the customer account (or cache) to process a payment amount included in the payment request information through a remote account bridge between the affiliate cache system 2105 and the account system 2193 within a predetermined time. It is preferable to include a transaction history withdrawal (or transfer) the automatic recharge amount from the customer account bridged with the operating account) to the fund management account of the non-financial partner.

The reservation payment expiration date and time information includes one or more date information and time information when the reservation payment of the withdrawal reservation method expires after the withdrawal, and after the reservation payment expiration date, the payment amount included in the payment request information It is preferable to process the payment processing to be automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is preferably automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or created) or registered through an information registration procedure such as the account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 2100 (or affiliate cache system 2105). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable to include the wireless terminal information, it is preferable to include one or more information for receiving customer approval request information (or message), such as customer mail address information, messenger account information, etc. according to the intention of the skilled person.

When payment reservation information is generated through the information generation unit 2175, the information storage unit 2177 is generated by the customer account (or cache operating account) information, automatic charge amount information, and the information generation unit 2175. Linked payment reservation information is stored in the account bridge D / B (2183) (or affiliate cache system 2105).

According to another exemplary embodiment of the present invention, the information storage unit 2177 may process the transaction history information as a charge history for the charge amount information and store the transaction details in the affiliate cache system 2105, thereby. The present invention is not limited.

The account storage D / B 2183 (or the affiliate cache system 2105) is linked to the account bridge D / B 2183 (or the affiliate cache system 2105) by the information storage unit 2177, the automatic recharge amount information, and the payment reservation information. When stored, the customer approval confirmation unit 2180 checks the reservation payment expiration date and time information included in the payment reservation information in connection with the account bridge D / B 2183 (or the affiliate cache system 2105), and Generate customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before the reservation payment expiration date and including a password input interface for inputting and transmitting the customer approval password. To transmit to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 2180 is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to customer wireless terminal information, or Receive the customer approval password entered through the password input interface from the terminal receiving the mail, or a terminal using a messenger, and the received customer approval password and the account bridge D / B (2183) (or affiliate cache system ( 2105) to confirm the customer approval for processing the payment through the remote account bridge between the affiliate cash system 2105 and the account accounting system 2193 by comparing with the customer approval password of the payment reservation information stored in the 2105). .

Referring to FIG. 21, the account bridge server 2110 checks whether the customer approval for the reservation payment is confirmed by the customer approval confirming unit 2180 or by the automatic payment processing information included in the payment reservation information. If the reservation payment is automatically approved, check the customer account (or cache operating account) bridged with the customer account in connection with the account bridge D / B (2183), and the transaction history information included in the payment reservation information; Through the history processing unit 2170 (or the history processing means) for processing the charges of the customer account (or cache operating account) and the affiliate cache system 2105, the automatic charge amount corresponding to the charges through the customer account (or A cash balance corresponding to a cash management account), the payment amount is processed through the cash balance, and the cache-based payment processing is performed through the affiliate cache system 2105. And a payment processing unit 2173 (or payment processing means) for transmitting the corresponding payment details to the customer terminal 2195, and deposits (or transfers) the transaction approval confirmation unit 2165. When the transaction approval for the transaction is not confirmed, the payment processing unit 2173 processes the transaction history information including the transaction unauthorized information on the deposit (or transfer) transaction as the account bridge-based payment history information to the customer communication means. Characterized in that the transmission.

When the customer approval for the reservation payment is confirmed by the customer approval confirmation unit 2180 or the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, the details processing unit 2170 Check the customer account (or cache operating account) bridged with the customer account in association with the account bridge D / B 2183 and exchange the transaction details included in the payment reservation information with the customer account (or cache operating account). Characterized in that the processing to be stored in the charging history.

The payment processing unit 2173 includes (eg, cache balance balancing) an automatic recharge amount corresponding to the charges in the cache balance corresponding to the customer account (or a cache operating account) through the affiliate cache system 2105. And payment processing of the payment amount through the cash balance including the automatic recharge amount, and if the payment history information corresponding to the cache-based payment processing is stored in the affiliate cache system 2105, the cache-based payment The payment history information corresponding to the processing is transmitted to the customer communication means.

If the reservation payment is not approved until the reservation payment expiration date or canceled by the customer, the payment processing unit 2173 transfers the transaction history information to the customer account (or the cash management account) through the affiliate cache system 2105. Characterized in that the processing to be stored by processing the refund history, characterized in that for transmitting the refund history information to the customer communication means.

22 is a diagram illustrating a remote account bridge based reservation payment request process between the affiliate cache system 2105 and the account system 2193 according to the second embodiment of the present invention.

In more detail, FIG. 22 illustrates that the customer terminal 2195 accesses an affiliate server 2100 having an affiliate cache system 2105 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When the payment request is made through the affiliate cache system 2105, the account bridge server 2110 shown in FIG. 6 provides an account bridge based cache payment interface for account bridge based cache payment from the account bridge server 2110 to the customer terminal 2195. And a process of inputting (or selecting) payment request information through an account bridge-based cache payment interface in the customer terminal 2195, and a person having ordinary knowledge in the technical field to which the present invention belongs. 22 and / or modification of a remote account bridge based reservation payment between the affiliate cache system 2105 and the accounting system 2193 with reference to and / or modification of FIG. Would be able to infer a variety of exemplary methods for the blue course, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 22.

In this figure 22, the customer terminal 2195 shown in FIG. 6 is referred to as "terminal" for convenience, and the account bridge server 2110 is referred to as "server" for convenience.

Referring to FIG. 22, the terminal accesses an affiliate server 2100 having an affiliate cache system 2105, purchases one or more types or intangible products, and purchases a purchase price for the purchased product from the affiliate cache system. When requesting for payment through 2105 (2200), the server correspondingly connects the communication channel with the terminal and generates an account bridge based cache payment interface to provide to the terminal for the account bridge based cache payment. (2205).

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 2195 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 22 will be omitted for convenience.

Here, the account bridge-based cache payment interface is the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 2105 and withdrawal from the customer account automatically to the customer account (or cache operating account) It is preferable to include the automatic recharge amount information to be charged, it is preferable to display the payment amount corresponding to the purchase price, and to further display the customer account (or cache operating account) information for the cash balance, According to the intention, it is preferable that the shopping cart further includes information on the purchased product.

In addition, the account bridge-based cache payment interface to pay the payment amount through a remote account bridge between the affiliate cache system 2105 and account accounting system 2193, or to cache the affiliate cache system 2105 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system 2190 provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 2190 provided in the financial company registers the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

In addition, the account bridge-based cash payment interface further includes a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (eg, withdrawal payment after advance reservation or reservation payment after advance payment). It is preferable to comprise.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

When the account bridge based cache payment interface is generated (or extracted), the server checks the cache balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 2105 and corresponds to the cache balance information. The amount of money is compared with the payment amount to check the validity (for example, insufficient cash balance) for the payment processing through the cash balance (2210).

If the cache payment validity is confirmed (2215), the server is linked to the affiliate cache system 2105 to process the payment amount through the cash balance (2220), correspondingly the affiliate cache system ( 2105 preferably provides the customer terminal 2195 with a cash payment interface for processing the payment amount through the cash balance.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

On the other hand, if the cache payment validity is not confirmed (2215), the server checks the charge setting amount for the customer account bridged with the customer account (or cache operating account), and the payment amount corresponding to the purchase price (or the The amount greater than the amount corresponding to the cash balance from the payment amount and the set amount of the charge is withdrawn from the customer account to confirm the automatic amount of charge information to be automatically charged into the customer account (or the cash management account). (2225).

According to another exemplary embodiment of the present invention, the charge amount checking unit 2135 may automatically check the charge setting amount for the customer account bridged with the customer account (or the cache operating account) as the automatic charge amount information. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the recharge amount confirming unit 2135 may automatically check the payment amount or the amount deducting the amount corresponding to the cash balance from the payment amount with the automatic recharge amount information. The present invention is not limited thereto.

If the cash balance information and the automatic recharge amount information corresponding to the existing customer account (or the cache operation account) are confirmed (2230), the server corresponds to the checked automatic recharge amount information and the customer account (or the cache operation account). After the cache balance information is displayed on the account bridge based cache payment interface (2235), the account bridge based cache payment interface on which the cache balance information is displayed is transmitted to the terminal (2240).

According to an exemplary embodiment of the present invention, the server preferably displays the cache balance information and the automatic charge amount information in separate display areas.

According to another exemplary embodiment of the present invention, the server preferably adds the automatic recharge amount information to the cache balance information and displays the cache balance information in the display area.

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

The terminal provided with the account bridge based cache payment interface checks whether the account bridge based cache payment is requested through the account bridge based cache payment interface (2245), and if the account bridge based cache payment is requested (2250), The payment request information is transmitted to the server through the account bridge based cache payment interface (2255).

According to the method of the present invention, the payment request information, the customer account (or cache operating account) information, payment amount information, automatic recharge amount information and affiliate information for operating the affiliate cache system 2105 one or more It is preferable to include, the purchase product information, payment method selection information through the payment method selection interface may be further included according to the intention of those skilled in the art.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 2105 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliated cache system 2105, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 2195 in connection with the affiliate server 2100. The payment amount information may be used for a cache-based payment processing. It is preferable that the cache information corresponding to the currency unit of the affiliate cache system 2105 is included.

The automatic charge amount information may include a larger amount of a payment amount corresponding to the purchase price (or an amount less the amount corresponding to the cash balance) from the payment amount and a charge setting amount. It is preferable that the automatic charge amount information does not exceed the customer account balance (or charge limit amount).

Preferably, the affiliate information includes affiliate identification information corresponding to the affiliate server 2100 that operates the affiliate cache system 2105.

FIG. 23 is a diagram illustrating a non-face-to-face transaction validity verification process for reservation settlement based on a remote account bridge between the affiliate cache system 2105 and the account system 2193 according to the second embodiment of the present invention.

In more detail, in FIG. 23, an account bridge based cache payment interface is provided to the customer terminal 2195 through the account bridge based cache payment request process shown in FIG. 7, or the account bridge from the customer terminal 2195. After payment request information is transmitted through the base cache payment interface, based on the non-face-to-face authentication interface included in the account bridge based cache payment interface, the remote account bridge based between the affiliate cache system 2105 and the account system 2193 As a process for checking the validity of non-face-to-face transactions for cash payments, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 23 to account for the affiliate cache system 2105 and the account system. Non-face-to-face transaction validation for remote account bridge-based reservation payment between systems 2193 and Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 23.

23, the customer terminal 2195 shown in FIG. 6 is referred to as " terminal " for convenience, and the account bridge server 2110 is referred to as " server " for convenience.

Referring to FIG. 23, an account bridge based cache payment interface is provided to the customer terminal 2195 through the account bridge based cache payment request process shown in FIG. 7, or the account bridge based from the customer terminal 2195. After the payment request information is transmitted through the cache payment interface, the terminal uses the non-face-to-face authentication interface included in the account bridge based cache payment interface to establish a remote account bridge based between the affiliate cache system 2105 and the account system 2193. It is checked whether non-face-to-face authentication information for checking the validity of the non-face-to-face transaction for cash payment is input (2300).

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (2190) provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered through the non-face-to-face authentication system 2190 provided in the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 2105 (or the account bridge system).

If the non-face-to-face authentication information for confirming the non-face-to-face transaction validity for the remote account bridge-based cache payment between the affiliate cache system 2105 and the account system 2193 is input through the face-to-face authentication interface (2305), the The terminal transmits the input non-face-to-face authentication information to the server through the non-face-to-face authentication interface (2310).

When the non-face-to-face authentication information includes one or more encryption / decryption-based authentication information, public certificate-based authentication information, one-time password, transaction password, and account password according to an embodiment of the present invention, the non-face-to-face authentication information may be used by the financial company. It is possible to be sent directly to the non-face-to-face authentication system 2190, whereby the present invention is not limited.

Thereafter, the server pays the payment amount through the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 through the received non-face-to-face authentication information, or of the affiliate cache system 2105. The cache is replaced (or relayed) with the balance of the customer account bridged with the customer account (or cache operating account) to verify the non-face-to-face transaction validity of the payment amount (2315).

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 2190 provided to the financial company is received according to an embodiment of the present invention, the server provides the non-face-to-face authentication system provided to the financial company. (2190) processing to be transmitted to the payment through the remote account bridge between the affiliate cache system 2105 and account accounting system 2193, or the cache of the affiliate cache system 2105 to the customer account ( Or by replacing (or relaying) the balance of the customer account bridged with the cash management account) and authenticating the non-face-to-face transaction validity for payment of the payment amount.

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates a random authentication number and transmits it to the customer wireless terminal, Receives the authentication number entered through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal and the received authentication number and the affiliated cache system 2105 Payment of the payment amount through a remote account bridge between account system 2193, or replacing the cache of the affiliate cache system 2105 with the balance of the customer account bridged with the customer account (or cache operating account) It is preferable to authenticate the non-face-to-face transaction validity for the payment of the payment amount.

According to another exemplary embodiment of the present invention, when non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 2105 (or an account bridge system) is received, the server provides the non-face-to-face authentication information. Comparing the ID / PW information stored in the member information D / B (not shown) to settle the payment amount through a remote account bridge between the affiliate cache system 2105 and the account system 2193, or the affiliate cache It is desirable to replace (or relay) the cache of the system 2105 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for payment of the payment amount.

If the non-face-to-face transaction validity for the account bridge based cache payment is not confirmed through the non-face-to-face authentication information (2320), the server transmits the non-face-to-face authentication error information to the terminal through the communication channel (2325).

On the other hand, if the non-face-to-face transaction validity for the account bridge based cache payment is confirmed through the non-face-to-face authentication information (2320), the server transmits the non-face-to-face authentication result information to the terminal through the communication channel (2330).

24A and 24B illustrate a cash payment process of a withdrawal payment method after advance reservation through a remote account bridge between an affiliate cache system 2105 and an account system 2193 according to the second embodiment of the present invention.

In more detail, FIGS. 24A and 24B illustrate that an account bridge based cache payment interface is provided to the customer terminal 2195 through the account bridge based cache payment request process shown in FIG. 7. When requesting an account bridge-based cache payment through the account bridge-based cache payment interface and validating the non-face-to-face transaction for the account bridge-based cache payment through the non-face-to-face transaction validation process illustrated in FIG. The account bridge server 2110 shown in FIG. 3 generates payment reservation information for the payment request, stores it in the account bridge D / B 2183 (or the affiliate cache system 2105), and then accepts the customer for the payment reservation. (Or auto-approval) in conjunction with the account relay server (2187) provided in the financial company affiliate cache system (2105) and account system (2) 193 is a process for remotely bridging and processing payment through the affiliate cache system 2105. Those skilled in the art to which the present invention pertains may refer to FIGS. 24A and 24B. And / or may be modified to infer various implementation methods for the cash payment process of the withdrawal payment method after the pre-booking through the remote account bridge between the affiliate cache system 2105 and the account system 2193, but the present invention infers the above All the implementation methods are included, and the present invention is not limited to the implementation methods shown in FIGS. 24A and 24B.

For example, those of ordinary skill in the art to which the present invention pertains may refer to the instant payment method cache payment process (for example, payment reservation information generation and storage process) with reference to FIGS. Customer approval confirmation process) may be inferred, and the present invention is characterized by including all the possible inference method.

In the following Figures 24a and 24b, the customer terminal 2195 shown in Figure 6 is referred to as a "clothing" terminal, and the account bridge server 2110 is referred to as a "server" for convenience.

Referring to FIGS. 24A and 24B, the client terminal 2195 requests an account bridge based cache payment through the account bridge based cache payment request process illustrated in FIG. 7, and the non-face-to-face transaction validity illustrated in FIG. 8. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated through the checking process, the server checks whether the account bridge based cache payment of the withdrawal payment method is requested from the terminal (2400).

If a payment method other than the account bridge-based cache payment of the withdrawal payment method is requested from the terminal (eg, a withdrawal payment method or an immediate payment method), the server corresponds to the requested payment method. It is desirable to process the payment.

If the account bridge-based cache payment request of the withdrawal payment method after the pre-booking is confirmed (2405), the server generates payment reservation information for the account bridge-based cache payment of the withdrawal payment method after the pre-booking (2410).

According to an embodiment of the present invention, the payment reservation information includes one or more reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, and customer communication means information, and according to the intention of the person skilled in the art, the payment request Preferably, the information further includes payment amount information (or the automatic recharge amount information), affiliate information, and purchase product information.

Here, the reservation payment expiration date and time information includes one or more date information and time information when the reservation payment of the withdrawal payment method expires after the pre-booking, and the payment amount included in the payment request information after the reservation payment expiration date and time. It is preferable that the payment processing for is automatically canceled or processed so as to be automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is preferably automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or created) or registered through an information registration procedure such as the account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 2100 (or affiliate cache system 2105). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable to include terminal information, and it is preferable to include one or more information for receiving customer approval request information (or message), such as customer mail address information, messenger account information, etc. according to the intention of a person skilled in the art.

When the payment reservation information is generated, the server associates the customer account (or cache operating account) information with the automatic recharge amount information and the generated payment reservation information to form an account bridge D / B 2183 (or an affiliate cache system ( 2105) (2415).

Thereafter, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105), and before the reservation payment expiration date and time, Check the customer approval for the reservation payment at least once through the payment reservation information (2420).

According to an embodiment of the present invention, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105), and makes the reservation. Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a payment expiration date and including a password input interface for inputting and transmitting the customer approval password; It is preferable to transmit to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the server is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to the customer wireless terminal information, or a terminal receiving mail; Or a terminal that uses a messenger to receive a customer approval password entered through the password input interface, and is stored in the received customer approval password and the account bridge D / B 2183 (or affiliate cache system 2105). It is preferable to confirm the customer approval for payment processing through the remote account bridge between the affiliate cash system 2105 and the account accounting system 2193 in comparison with the customer approval password of the payment reservation information.

If the customer approval of the reservation payment is not confirmed (2425), the server is linked with the account bridge D / B (2183) (or affiliate cache system 2105), the reservation payment expiration date and time included in the payment reservation information (2430), and if the reservation expiration date and time has passed (2435), it is included in the payment reservation information in association with the account bridge D / B 2183 (or affiliate cache system 2105). The automatic payment processing information is read to confirm automatic cancellation or automatic approval of the reservation payment (2440).

If the automatic cancellation of the reservation payment is confirmed (2445), the server processes the payment cancellation information for the automatic cancellation by the affiliate cache system 2105 as payment history information (that is, including payment cancellation information). Payment details) and transmits the payment details information to the customer communication means (2455).

On the other hand, if the customer approval of the reservation payment is confirmed (2435) or the automatic approval of the reservation payment is confirmed (2445), the server establishes a remote account bridge between the affiliate cache system 2105 and the accounting system 2193. The customer account (or cache operating account) information and the automatic recharge amount information are transmitted to the account relay server 2187 provided in the financial company (2460).

Thereafter, the server checks whether transaction details information regarding the automatic recharge amount information is received from the account relay server 2187 provided in the financial company (2465).

If transaction history information on the recharge amount information is received from the account relay server 2187 (2470), the server reads the transaction history information and checks whether the transaction is approved (2475).

If the transaction approval result is not confirmed (2480), the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system 2105 (2485). In operation 2498, payment history information regarding the account bridge-based cache payment is transmitted to the customer communication unit.

On the other hand, if the transaction approval of the transaction history information is confirmed (2480), the server processes the transaction history information as the charging history of the affiliate cache system 2105 and applies (2490), the affiliate cache system In connection with 2105, an automatic recharge amount corresponding to the charge is included in the cash balance corresponding to the customer account (or the cache operating account) (eg, the cash balance balancing) (2492), and the affiliate cache system ( In connection with step 2105, the payment amount is settled through the cash balance including the automatic recharge amount (2494).

If the payment amount is processed through the cash balance including the automatic recharge amount (2496), the server transmits and outputs the payment history information for the account bridge based cache payment to the customer communication means (2498). .

25A and 25B illustrate a cache payment process of a reservation payment method after a prepayment through a remote account bridge between an affiliate cache system 2105 and an account system 2193 according to a second embodiment of the present invention.

In more detail, FIGS. 25A and 25B illustrate an account bridge-based cache payment interface provided to the customer terminal 2195 through the account bridge-based cache payment request process shown in FIG. When requesting an account bridge-based cache payment through an account bridge-based cache payment interface and validating the non-face-to-face transaction for the account bridge-based cache payment through the non-face-to-face transaction validation process shown in FIG. In the account bridge server 2110 shown in FIG. 2, the affiliated cash system 2105 and the account system 2193 are remotely linked with the account relay server 2187 provided at the financial company to withdraw the automatic recharge amount from the customer account. After depositing (or transferring) to the fund management account, the payment reservation information for the payment request is generated and the account bridge D / Store in B 2183 (or affiliate cache system 2105) and process payment through the affiliate cache system 2105 based on customer approval (or automatic approval) for the payment reservation. For those skilled in the art to which the present invention pertains, advance withdrawal via a remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 by referring to and / or modifying the figures 25a and 25b. It will be able to infer various implementation methods for the cache payment process of the post-payment method, but the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 25A and 25B.

For example, those of ordinary skill in the art to which the present invention pertains may refer to the instant payment type cache payment process (for example, payment reservation information generation and storage process) with reference to FIGS. Customer approval confirmation process) may be inferred, and the present invention is characterized by including all the possible inference method.

In the following Figures 25a and 25b, the customer terminal 2195 shown in Figure 6 is referred to as "terminal" for convenience, and the account bridge server 2110 is referred to as "server" for convenience.

Referring to FIGS. 25A and 25B, the client terminal 2195 requests an account bridge based cache payment through the account bridge based cache payment request process illustrated in FIG. 7, and the non-face-to-face transaction validity illustrated in FIG. 8. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated through the checking process, the server checks whether the account bridge based cache payment of the reservation payment method is requested from the terminal (2500).

If a payment method other than the account bridge-based cash payment of the reservation payment method after the withdrawal is requested from the terminal (eg, a withdrawal payment method after the pre-booking or an immediate payment method), the server corresponds to the requested payment method. It is desirable to process the payment.

If the account bridge-based cache payment request of the reservation payment method after the prepayment is confirmed (2505), the server via the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193, the customer account (or cache) Operation account) information and automatic recharge amount information is transmitted to the account relay server (2187) provided in the financial company (2510).

Thereafter, the server checks whether the transaction history information for the automatic recharge amount information is received from the account relay server 2187 included in the financial company (2515).

If transaction history information on the recharge amount information is received from the account relay server 2187 (2520), the server reads the transaction history information and checks whether the transaction is approved (2525).

If the transaction approval result is not confirmed (2530), the server processes the transaction history including transaction unauthorized information as payment history information by the affiliate cache system 2105 (2535). In operation 2540, payment history information regarding the account bridge based cache payment is transmitted to the customer communication unit.

On the other hand, if the transaction approval of the transaction history information is confirmed (2530), the server generates payment reservation information for the account bridge-based cache payment of the reservation payment method after the prepayment (2545).

According to an embodiment of the present invention, the payment reservation information includes one or more reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, and customer communication means information. Preferably, the information further includes payment amount information (or the automatic recharge amount information), affiliate information, and purchase product information.

Here, the reservation payment expiration date information includes one or more date information and time information when the reservation payment method of the reservation payment method expires after the prepayment, and the payment amount included in the payment request information after the reservation payment expiration date and time. It is preferable that the payment processing for is automatically canceled or processed so as to be automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing through the remote account bridge between the affiliate cache system 2105 and the account accounting system 2193 is preferably automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or created) or registered through an information registration procedure such as the account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 2100 (or affiliate cache system 2105). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When the payment reservation information is generated, the server associates the customer account (or cache operating account) information with the automatic recharge amount information and the generated payment reservation information to form an account bridge D / B 2183 (or an affiliate cache system ( 2105) (2550).

Thereafter, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105), and before the reservation payment expiration date and time, Check the customer approval for the reservation payment at least once through the payment reservation information (2555).

According to an embodiment of the present invention, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105), and makes the reservation. Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a payment expiration date and including a password input interface for inputting and transmitting the customer approval password; It is preferable to transmit to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the server is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to the customer wireless terminal information, or a terminal receiving mail; Or a terminal using a messenger) and receives a customer approval password entered through the password input interface, and stores the received customer approval password and the payment stored in the account bridge D / B 2183 (or affiliate cache system 2105). It is preferable to confirm the customer approval for processing the payment through the remote account bridge between the affiliate cash system 2105 and the account accounting system 2193 in comparison with the customer approval password of the reservation information.

If the customer approval for the reservation payment is not confirmed (2560), the server is linked with the account bridge D / B (2183) (or affiliate cache system 2105), the reservation payment expiration date and time included in the payment reservation information (2565), and if the reservation payment expiration date has elapsed (2570), it is included in the payment reservation information in association with the account bridge D / B 2183 (or affiliate cache system 2105). The automatic payment processing information is read to confirm automatic cancellation or automatic approval of the reservation payment (2575).

If the automatic cancellation of the reservation payment is confirmed (2580), the server processes the transaction history information included in the payment reservation information as the refund history of the affiliate cache system 2105 in response to the automatic cancellation (2582). ), The refund history information is transmitted to the customer communication means (2584).

On the other hand, if the customer approval confirmation of the reservation payment (2560) or the automatic approval of the reservation payment is confirmed (2580), the server is the account bridge D / B (2183) (or affiliate cache system 2105) The transaction history information included in the payment reservation information is confirmed in connection with the transaction (2586), the transaction history information is processed and applied to the charge history of the affiliate cache system (2105) (2588), and the affiliate cache system (2105) The automatic recharge amount corresponding to the charges in the cache balance corresponding to the customer account (or the cache operating account) (eg, the balance of the balance) (2590), and the affiliate cache system 2105. In operation 2592, the payment amount is processed through the cash balance including the automatic recharge amount.

If the payment amount is processed through the cash balance including the automatic recharge amount (2594), the server transmits and outputs the payment history information for the account bridge-based cache payment to the customer communication means (2596). .

FIG. 26 illustrates a remote account bridge based cache payment system between an account system 2665 and an affiliate cache system 2605 according to a second embodiment of the present invention.

In more detail, FIG. 26 illustrates that a customer terminal 2670 accesses an affiliate server 2600 having an affiliate cache system 2605 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When the account bridge server 2610 shown in FIG. 17 or 21 transmits the customer account (or cache operating account) information and the automatic recharge amount information by requesting the payment through the affiliate cache system 2605, the Check the customer account (or cache operating account) information and the bridged customer account information, and configure the transaction request full text to withdraw (or transfer) the automatic recharge amount from the customer account to the funds management account of the affiliated company; Provided to the account system 2665 to withdraw the automatic recharge amount from the customer account and deposit the funds to the partner's fund management account (or The present invention relates to a system configuration for transmitting transaction details information corresponding to the deposit (or transfer) transaction to the account bridge server 2610 after processing a financial transaction. It will be appreciated that various implementation methods for the remote account bridge based cache payment system configuration between the accounting system 2665 and the affiliate cache system 2605 may be inferred by referring to and / or modifying the present invention. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 26 according to an embodiment of the present invention, a remote account bridge-based cache payment system between the account system 2665 and the affiliate cache system 2605 may include one or more browser programs, and through the browser program. One or more types or intangibles of the customer terminal 2670 connected to a communication network and the customer terminal 2670 through the communication network, and when connected through the communication network from the customer terminal 2670, to the customer terminal 2670. Cache-based payment for a payment amount of a product sold by the affiliate server 2600 based on funds deposited in a partner's server 2600 that sells the product of the company and a non-financial partner's fund management account opened at the financial institution. Affiliate cache system 2605 to process and the purchase price for the goods purchased in the customer terminal (2670) through the affiliate cache system (2605) If the payment request is made, the customer terminal 2670 includes an account bridge based cache payment interface for account bridge based cache payment, and the payment request information through the account bridge based cache payment interface at the customer terminal 2670. If the user inputs (or selects) and transmits, the account bridge server 2610 for transmitting the customer account (or cache operating account) information and the automatic recharge amount information to the account relay server 2620 provided at the financial institution through the payment request information. (= Functional name of the account bridge system), the customer account (or cache operating account) information and the bridged customer account information, and withdraw the automatic recharge amount from the customer account and deposits it into the fund management account of the affiliated company (Or transfer) a full text of the transaction request to the accounting system 2665 and configured to provide the An account that transfers the transaction information corresponding to the deposit (or transfer) transaction after processing a financial transaction to withdraw (or transfer) an automatic recharge amount to the partner's fund management account. And a relay server 2620 (= functional name of the account relay system), and an account system 2665 for operating a fund management account of the non-financial partner and one or more customer accounts.

However, in FIG. 26, the account relay server 2620 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the account relay server 2620 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account relay server 2620 corresponds to the functional name of the account relay system shown in FIG. 1 and is not limited to the physical name.

The client terminal 2670, the affiliate server 2600, the affiliate cache system 2605, and the account bridge server 2610 will refer to the contents shown in FIG. 17 or 21, and detailed descriptions thereof will be given in FIG. 26. Description will be omitted for convenience.

According to an embodiment of the present invention, the account relay server 2620 stores and stores affiliated partner information, customer account (or cache operating account) information, and customer account information registered through the account registration system shown in FIG. It is preferable to have an account relay D / B (2660) for storing the customer personal information and the customer wireless terminal information in association with one or more, or to interwork through a network, the account relay D / B (2660) is the Non-financial partner's fund management account information is further linked and stored, or the customer account balance information for the customer account bridged with the customer account (or cache operating account) is further linked or stored, or the customer account (or cash management) Account) and charge setting amount information corresponding to the remotely bridged customer account information and withdrawal limit amount information is preferably stored in association with each other. The.

Here, the money management account information is account information in the name of a non-financial partner operating the funds of the affiliate cash system 2605, and the funds management account is preferably opened in the account system 2665.

According to another exemplary embodiment of the present invention, the funds management account may be opened in the external account system 2665, and the present invention is not limited thereto.

The customer account balance information may include a balance amount of a customer account opened in the account system 2665, and the account relay server 2620 may link the account balance with the account system 2665. It is desirable to update the customer account balance periodically (or in response to a customer account balance change event through the accounting system 2665).

If the account relay server 2620 inquires the customer account balance information in real time in connection with the account accounting system 2665, the account balance information may be omitted in the account relay D / B 2660. The present invention is not limited by this.

The charge setting amount information is withdrawn from the customer account bridged with the customer account (or cash management account) when the non-financial partner payment processing of the payment amount using the affiliate cache system (2605) It is preferable to include the amount set to deposit (or transfer) to the funds management account, and if provided in the account bridge D / B shown in Figure 17 or 21, the account relay D / B (2660) The charge setting amount information can be omitted, and the present invention is not limited thereto.

The charging limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 2605. As the limit amount to be deposited (or transferred) into the fund management account, the charge limit amount preferably includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

Referring to FIG. 26, when the account relay server 2620 transmits customer account (or cache operating account) information and automatic recharge amount information from the account bridge server 2610 illustrated in FIG. 17 or 21, An information receiving unit 2625 (or information receiving means) for receiving customer account (or cache operating account) information and automatic recharge amount information, and the customer account (or cache operating account) information is received. An account verification unit 2630 (or an account verification means) for confirming the customer account information bridged with the operation account information and confirming the funds management account information of the affiliated partner associated with the customer account (or cache operation account) information; A full text generation unit 2640 (or full text generation means) for generating a transaction request text for withdrawing (or transferring) the automatic recharge amount from the customer account and depositing (or transferring) the funds to the affiliated funds management account; Transaction processing unit 2645 (or transaction) for providing a full text of the request to the account system 2665 to withdraw the automatic recharge amount from the customer account and to deposit (or transfer) the funds to the partner's fund management account (or transaction). Processing means), a history generation unit 2650 (or history generation means) for generating transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information confirmed by the accounting system 2665; And a details transmitter 2655 (or a details transmission means) for transmitting the generated transaction history information to the account bridge server 2610, and the customer account (or cache operating account) information and the bridge. It is preferable to further comprise a transaction validity confirmation unit 2635 (or transaction validity confirming means) for confirming the validity of the transaction for the customer account.

When the account bridge server 2610 shown in FIG. 17 or FIG. 21 transmits the customer account (or cache operating account) information and the automatic recharge amount information for the account bridge-based payment processing, the information receiving unit 2625 receives the information. And receiving the customer account (or cache operating account) information and the automatic recharge amount information from the account bridge server 2610, wherein the information receiving unit 2625 is an external system provided to the financial company or the external system It is preferable to receive the customer account (or cache operating account) information and the automatic charge amount information in connection with.

According to an exemplary embodiment of the present invention, the information receiving unit 2625 includes the customer account (or cache operating account) information and the automatic recharge amount through a communication network connecting the account bridge server 2610 and the account relay server 2620. It is desirable to receive the information.

According to another exemplary embodiment of the present invention, the information receiving unit 2625 includes the customer account (or cache operating account) via the gateway 2615 which relays the account bridge server 2610 and the account relay server 2620. It is possible to receive information and automatic recharge amount information, whereby the present invention is not limited.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system (2605) As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cash management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 2605, the account number system and the customer account provided to the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The automatic recharge amount information includes an amount to be withdrawn (or transferred) from the customer account bridged with the customer account (or the cash management account) for the account bridge-based payment processing, and transferred to the partner's money management account. desirable.

According to an embodiment of the present invention, the account bridge server 2610 shown in FIG. 17 or 21 may be identified through the non-face-to-face authentication system of the financial company for account bridge-based payment processing, or by using customer wireless terminal information. Preferably, the non-face-to-face authentication result information confirmed through the wireless authentication means is further transmitted. In this case, the information receiver 2625 may further receive the non-face-to-face authentication result information from the account bridge server 2610. .

According to an embodiment of the present invention, the account bridge server 2610 shown in FIG. 17 or 21 may further transmit non-face-to-face authentication information received from the customer terminal 2670 for account bridge based payment processing. In this case, the information receiving unit 2625 preferably receives the non-face-to-face authentication information, and the transaction validity checking unit 2635 is connected to the financial company's face-to-face authentication system through the non-face-to-face authentication information. It is desirable to verify transaction validity for account bridge based payment processing.

According to an embodiment of the present invention, the account bridge server 2610 shown in FIG. 17 or 21 may transmit only the customer account (or cache operating account) information for account bridge based payment processing. In this case, Preferably, the information receiving unit 2625 receives the customer account (or cache operating account) information from the account bridge server 2610, and the account checking unit 2630 stores the customer account (or cache operating account) information. Preferably, the account relay server 2620 is bridged with the account relay server 2620. The account bridge server checks at least one of customer account balance information, charge setting amount information, and withdrawal limit amount information for the customer account information. It is preferable to further include an information transmitting unit for transmitting to (2610).

When the customer account (or cache operating account) information and the automatic recharge amount information are received through the information receiving unit 2625, the account checking unit 2630 is connected with the account relay D / B 2660 to the customer account. (Or a cash management account) information and bridge the customer account information is characterized in that it is confirmed.

In addition, the account verification unit 2630 checks the partner information associated with the customer account (or cache operating account) information in connection with the account relay D / B (2660), and the affiliated company associated with the affiliate information It is characterized by checking the information of the fund management account.

When the customer account information is confirmed through the account verification unit 2630, the transaction validity verification unit 2635 may correspond to the account relay D / B 2660 (or the account system 2665 in which the customer account is opened). The customer account balance is checked in association with each other, and if the customer account balance is greater than the automatic charge amount by comparing the automatic charge amount information with the customer account balance, the transaction validity is determined.

In addition, the transaction validity confirmation unit 2635 confirms the withdrawal limit amount information for the customer account in connection with the account relay D / B 2660, and compares the automatic recharge amount information with the withdrawal limit amount. If the withdrawal limit amount is greater than the automatic recharge amount, the transaction validity is regarded as confirmed.

When the non-face-to-face authentication result information is received from the account bridge server 2610 through the information receiver 2625 according to an embodiment of the present invention, the transaction validity verification unit 2635 reads the non-face-to-face authentication result information. It is desirable to confirm the transaction validity for the account bridge based payment processing.

Alternatively, when non-face-to-face authentication information is received through the information receiving unit 2625, the transaction validity checking unit 2635 is connected to the non-face-to-face authentication system of the financial company through the account bridge based payment processing. It is advisable to check the validity of the transaction for.

When the customer account information bridged with the customer account (or the cache operating account) is confirmed through the account verification unit 2630, and the fund management account information of the affiliated company is confirmed, the professional generation unit 2640 may execute the customer account. And withdrawing the automatic recharge amount from the bank to configure a transaction request message for depositing (or transferring) the funds to the partner's fund management account, and the transaction request message includes a specialized structure recognizable by the accounting system 2665. It is preferable to make it.

Those skilled in the art to which the present invention pertains will be familiar with the specialized structure defined in the accounting system for each financial company 2665, so the detailed description thereof will be omitted for convenience.

When the transaction request message is configured through the message generation unit 2640, the transaction processing unit 2645 provides the transaction request message to the account system 2665 to withdraw the automatic recharge amount from the customer account. Characterized in that the financial transaction to deposit (or transfer) to the partner's funds management account is processed, characterized in that for receiving the transaction result information corresponding to the full transaction request from the account system (2665).

The history generation unit 2650 may generate transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information checked from the account system 2665.

In this case, the transaction history information preferably includes an information structure that can be easily changed (or replaced) with the charge history information included in the affiliate cache system 2605 bridged with the account system 2665 remotely.

For example, when the account relay server 2620 is linked with an account bridge server 2610 associated with two or more different affiliate cache systems 2605, the history generator 2650 may correspond to the customer corresponding to the transaction information. It is possible to check the account bridge server 2610 and the affiliate cache system 2605 that have transmitted the account (or cache operating account) information, and to easily change (or replace) the charge information for each confirmed affiliate cache system 2605. It is preferable to generate transaction history information including the information structure.

When the transaction history information is generated, the history transmission unit 2655 transmits the generated transaction history information to the account bridge server 2610, and correspondingly, the account bridge server 2610 It is preferable to receive the transaction history information, process the received transaction history information as the charging history of the affiliate cache system 2605, and apply it to the affiliate cache system 2605.

FIG. 27 illustrates a remote account bridge based cache settlement process between the account system 2665 and the affiliate cache system 2605 according to the second embodiment of the present invention.

More specifically, Figure 27 is connected to the affiliate server (2600) having an affiliate cache system (2605) in the customer terminal (2670) to purchase one or more types or intangible goods, the purchase price for the purchased product If the account bridge server 2610 shown in FIG. 17 or 21 transmits the customer account (or cache operating account) information and the automatic recharge amount information by requesting payment through the affiliate cache system 2605, In the account relay server 2620 shown in FIG. 26, the client account information bridged with the customer account (or cache operating account) information is checked, and the withdrawal of the automatic recharge amount from the customer account is performed. The transaction request for depositing (or transferring) the transaction is provided and provided to the accounting system 2665 to withdraw the automatic recharge amount from the customer account. After processing a financial transaction that deposits (or transfers) funds to the partner's fund management account, and then transfers transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 2610 shown in FIG. 17 or 21. As a person of ordinary skill in the art to which the present invention pertains, a remote account bridge between the accounting system 2665 and the affiliate cache system 2605 by referring to and / or modifying the drawing 27 is provided. Various implementation methods for the base cache payment process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following figure 27, the account relay server 2620 shown in FIG. 26 is referred to as " server " for convenience.

The customer terminal 2670 accesses an affiliate server 2600 having an affiliate cache system 2605 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product from the affiliate cache system 2605. By sending the customer account (or cache operating account) information and the automatic recharge amount information from the account bridge server 2610 shown in FIG. 17 or 21 by requesting to make a payment through From the bridge server 2610, the server receives customer account (or cache operating account) information and automatic recharge amount information (2700).

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system (2605) As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cash management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 2605, the account number system and the customer account provided to the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The automatic recharge amount information includes an amount to be withdrawn (or transferred) from the customer account bridged with the customer account (or the cash management account) for the account bridge-based payment processing, and transferred to the partner's money management account. desirable.

According to an embodiment of the present invention, the account bridge server 2610 shown in FIG. 17 or 21 may be identified through the non-face-to-face authentication system of the financial company for account bridge-based payment processing, or by using customer wireless terminal information. Preferably, the non-face-to-face authentication result information confirmed through the wireless authentication means is further transmitted. In this case, the account relay server 2620 may further receive the non-face-to-face authentication result information from the account bridge server 2610. Do.

According to an embodiment of the present invention, the account bridge server 2610 shown in FIG. 17 or 21 may further transmit non-face-to-face authentication information received from the customer terminal 2670 for account bridge based payment processing. In this case, the account relay server 2620 receives the non-face-to-face authentication information, and confirms the transaction validity of the account bridge based payment processing through the non-face-to-face authentication information in connection with the face-to-face authentication system of the financial company. It is desirable to.

According to an embodiment of the present invention, the account bridge server 2610 shown in FIG. 17 or 21 may transmit only the customer account (or cache operating account) information for account bridge based payment processing. In this case, The account relay server 2620 receives the customer account (or cache operating account) information from the account bridge server 2610, checks the customer account information bridged with the customer account (or cache operating account) information, It is preferable to check one or more of customer account balance information, charge set amount information, and withdrawal limit amount information about the customer account information and transmit the same to the account bridge server 2610.

When the customer account (or cache operating account) information and automatic recharge amount information are received, the server checks the customer account information bridged with the customer account (or cache operating account) information, and the customer account (or cache operating account) Check the partner's fund management account information associated with the information (2705).

According to an embodiment of the present invention, the server preferably checks the customer account information bridged with the customer account (or cache operating account) information in association with the account relay D / B 2660.

In addition, the server checks the affiliate information associated with the customer account (or cache operating account) information in connection with the account relay D / B (2660), and the fund management account information of the affiliate associated with the affiliate information It is desirable to confirm.

If the customer account information and the partner's money management account information is confirmed (2710), the server checks the validity of the transaction for the customer account bridged with the customer account (or cache operating account) information (2715), the affiliate If the account bridge server 2610 of the authentication of the non-face-to-face transaction validity for the account bridge-based cache payment may be omitted.

According to an embodiment of the present invention, the server checks the customer account balance in association with the account relay D / B 2660 (or the account system 2665 in which the customer account is opened), and the automatic recharge amount information. It is preferable that the transaction validity is verified when the customer account balance is greater than the automatic recharge amount by comparing with the customer account balance.

In addition, the server checks the withdrawal limit amount information for the customer account in connection with the account relay D / B (2660), and compares the automatic recharge amount information and the withdrawal limit amount of the withdrawal limit amount is the automatic If it is larger than the recharge amount, it is preferable to treat the transaction as confirmed.

When the non-face-to-face authentication result information is received from the account bridge server 2610 according to an embodiment of the present invention, the server reads the non-face-to-face authentication result information to confirm transaction validity for the account bridge based payment processing. It is preferable.

Alternatively, when non-face-to-face authentication information is received from the account bridge server 2610, the server confirms transaction validity for the account bridge-based payment processing through the non-face-to-face authentication information in connection with the face-to-face authentication system of the financial company. It is desirable to.

If the transaction validity is not confirmed (2720), the server generates transaction history information including the account validation error information corresponding to the transaction validation result (2725), and the transaction history information to the account of the affiliate The transmission is performed to the bridge server 2610 (2760).

On the other hand, if the validity of the transaction is not confirmed (2720), the server generates (or configures) a transaction request message for withdrawing (or transferring) the automatic recharge amount from the customer account to the fund management account of the affiliated company ( 2730).

In this case, the transaction request text may include a specialized structure recognizable by the account system 2665.

Those skilled in the art to which the present invention pertains will be familiar with the specialized structure defined in the accounting system for each financial company 2665, so the detailed description thereof will be omitted for convenience.

If a transaction request message is generated (2735) to withdraw (or transfer) the automatic recharge amount from the customer account to the fund management account of the affiliated company, the server transfers the transaction request message to the accounting system 2665. By providing (2740), withdrawal of the automatic recharge amount from the customer account allows the financial transaction to deposit (or transfer) the funds management account of the partner.

If the account transaction system 2665 processes a financial transaction to withdraw (or transfer) the automatic recharge amount from the customer account to the fund management account of the affiliate (2745), the server from the account account system (2665) Receive transaction result information corresponding to the transaction request message (2750), and generate transaction detail information corresponding to the deposit (or transfer) transaction based on the received transaction result information (2755).

In this case, the transaction history information preferably includes an information structure that can be easily changed (or replaced) with the charge history information included in the affiliate cache system 2605 bridged with the account system 2665 remotely.

For example, when the account relay server 2620 is linked with an account bridge server 2610 associated with two or more different affiliate cache systems 2605, the history generator 2650 may correspond to the customer corresponding to the transaction information. It is possible to check the account bridge server 2610 and the affiliate cache system 2605 that have transmitted the account (or cache operating account) information, and to easily change (or replace) the charge information for each confirmed affiliate cache system 2605. It is preferable to generate transaction history information including the information structure.

Thereafter, the server transmits the generated transaction history information to the account bridge server 2610 of the affiliate (2760).

FIG. 28 illustrates a remote account bridge based cache payment system between an affiliate cache system 2805 and an account system 2890 according to a third embodiment of the present invention.

In more detail, FIG. 28 shows that the customer terminal 2895 accesses an affiliate server 2800 having an affiliate cache system 2805 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When the payment request is made through the affiliate cache system 2805, an account bridge based cache payment interface is provided to the customer terminal 2895 for an account bridge based cache payment, and the account bridge based cache is provided at the customer terminal 2895. When the payment request information is input (or selected) through a payment interface, the payment request information is used to remotely bridge the affiliate cash system 2805 provided to the non-financial affiliate and the account system 2890 provided to the financial company. As a configuration of a system for processing a payment amount corresponding to the purchase price to be specifically, the affiliate When the payment is processed through the cash balance corresponding to the customer account (or the cache operating account) of the cache system 2805, if the cash balance is greater than the payment amount, the payment is processed through the cash balance, but the cash balance If this is insufficient, the customer account (or cache operating account) provided in the affiliate cache system 2805 is replaced (or relayed) with the customer account bridged with the customer account (or cache operating account) and the payment is made through the account transfer method. An embodiment of the present invention relates to an implementation method of processing an amount of money and reflecting the result of the payment process in the affiliate cache system 2805.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 28 to configure various remote account bridge based cache payment systems between the affiliate cache system 2805 and the accounting system 2890. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 28 according to an embodiment of the present invention, the remote account bridge-based cache payment system between the affiliate cache system 2805 and the account accounting system 2890 includes one or more browser programs, and through the browser program. One or more types or intangibles of the customer terminal 2895 connected to the communication network and the customer terminal 2895 through the communication network, when connected through the communication network from the customer terminal 2895 to the customer terminal 2895. Cache-based payment for the payment amount of the product sold by the affiliate server 2800 based on the funds deposited in the partner's server 2800 selling non-financial affiliates' funds management accounts opened at the financial institution; Affiliate cache system 2805 to process and the purchase price for the goods purchased in the customer terminal (2895) through the affiliate cache system (2805) If a request is made for non-payment, an account bridge based cache payment interface is provided to the customer terminal 2895 for an account bridge based cache payment, and the payment request information is input through the account bridge based cache payment interface at the customer terminal 2895. (Or select) to transmit, the cash balance is compared with the payment amount, and if the cash balance is greater than the payment amount to process the payment amount through the cash balance, if the cash balance is insufficient, The customer account (or cash management account) provided in the affiliate cash system 2805 is replaced (or relayed) with the customer account bridged with the customer account (or cash management account), and the payment amount is processed by the account transfer method. Account bridge server 2810 (= at the time of account bridge) to reflect the payment processing result to the affiliate cache system 2805; System functional name) and an account relay server 2883 provided to a financial institution to interwork with an account bridge server 2810 for remote account bridge based cache payments between the affiliate cache system 2805 and the account accounting system 2890 (= A functional name of the account relay system), an account management system 2890 for operating a fund management account of the non-financial partner and one or more customer accounts.

However, in FIG. 28, the account bridge server 2810 is illustrated as being formed in one server form for convenience. However, the present invention is not limited thereto, and the account bridge server 2810 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account bridge server 2810 corresponds to the functional name of the account bridge system shown in FIG. 1 and is not limited to the physical name.

The customer terminal 2895 is connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a notebook computer connected to the account bridge server 2810 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP-TV including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired or wireless communication networks. Or at least one TV device (not shown) including at least one digital TV or DMB. And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Persons of ordinary skill in the art to which the present invention pertains know the technical features of the customer terminal 2895 including at least one of the wired terminal or the wireless terminal or a TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 2810 may include web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 2895. It characterized in that it comprises a database for storing the database, characterized in that the database is provided in a Database Management System (DBMS) associated with the account bridge server 2810.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided to the customer terminal 2895 by the account bridge server 2810. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 2895 It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, a web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided from the account bridge server 2810 to the customer terminal 2895. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page contents) may be included. In this case, the web page provided to the customer terminal 2895 may include one or more web pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

According to another exemplary embodiment of the present invention, the webpage operation data is in addition to the account bridge server 2810 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 2895. It is possible to be provided in any one of the affiliate server 2800, affiliate cache system 2805, gateway 2880, the present invention is the web page operation data is the affiliate server 2800, affiliate cache system 2805 It is apparent that the implementation includes all the implementation methods of any one of the gateways 2880.

According to an embodiment of the present invention, the account bridge server 2810 stores and stores customer account information (or cache operating account) information and customer account information registered through the account registration system shown in FIG. It is preferable to have an account bridge D / B 2877 for storing information and at least one wireless terminal information in association with each other, or to interwork through a network, and the account bridge D / B 2877 may be configured as the customer account ( Or store the cash balance information corresponding to the cash management account) in addition, or further recommend the withdrawal amount information and the withdrawal limit amount information corresponding to the customer account information bridged with the customer account (or the cash management account) remotely. It is desirable to store in conjunction.

Here, the cash balance information includes balance information of caches stored, recorded, and managed through the customer account (or cache operating account) among the amounts deposited in the fund management account in the affiliate cache system 2805. desirable.

According to the exemplary embodiment of the present invention, the cash balance information may be calculated by subtracting the cash corresponding to the payment history from the cache corresponding to the charge corresponding to the customer account (or the cache operating account) of the affiliate cache system 2805. It is preferable to include, but in this figure 28, the cash balance is not pre-charged separately, so as to withdraw more than the amount required for payment from the customer account (or cash operating account) bridged with the customer account in the previous payment process In this case, the cash balance is preferably made to include '0'.

According to another embodiment of the present invention, when the account bridge server 2810 checks the cash balance through the affiliate cache system 2805, the cache balance information may be omitted in the account bridge D / B 2877. The present invention is not limited thereto.

The recommended withdrawal amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 2805. As the amount to recommend (or transfer) to the fund management account, the withdrawal amount of the recommendation is preferably set by the customer or according to the policy of the account bridge server 2810, according to the intention of the skilled person It can be omitted.

The withdrawal limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner pays the payment amount using the affiliate cash system 2805. As the limit amount to be deposited (or transferred) into the fund management account, the withdrawal limit amount preferably includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

If the recommended withdrawal amount information and withdrawal limit amount information are stored in the account relay D / B provided to the financial company, the recommended withdrawal amount information and withdrawal limit amount information is stored in the account bridge D / B 2877. It is possible to omit it, thereby not limiting the present invention.

Referring to FIG. 28, the account bridge server 2810 may provide a web page to the customer terminal 2895 using an HTTP-compatible protocol corresponding to the communication network, or based on the web page provided to the customer terminal 2895. It characterized in that it comprises a web interface unit 2815 for connecting and managing a web interface for receiving (or selected) a variety of information input (or selected) from the customer terminal (2895).

According to an embodiment of the present invention, when the customer terminal 2895 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the web interface 2815 is connected to the customer terminal 2895 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 2895 through the communication channel. It is preferable to interface so that a web page of a form of) is provided or to receive the information input from the customer terminal 2895 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the customer terminal 2895 is a wireless terminal to which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 2815 may connect the customer terminal 2895 and the CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 2895 through the communication channel. ) To interface with a web page in the form of an HTML-compatible document (eg, * .wml, * .htm), or to interface the information input from the customer terminal 2895 to be received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 2895 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 2815 is connected to the customer terminal 2895 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or interface so that the information input from the customer terminal (2895) is received in a GET / POST method.

According to another exemplary embodiment of the present invention, the web interface unit 2815 may provide the account bridge server-based cache payment interface for the account bridge-based cache payment to the customer terminal 2895 according to the location of the account bridge server 2810. ), The affiliate server 2800, the affiliate cache system 2805, the gateway 2880 may be provided in any one of the present invention, the web interface unit 2815 is the affiliate server (2800), It is apparent that the implementation method included in any one of the affiliate cache system 2805 and the gateway 2880 is included.

Referring to FIG. 28, the customer terminal 2895 accesses an affiliate server 2800 having an affiliate cache system 2805 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 2805, the account bridge server 2810 generates (or extracts) a webpage to be provided to the customer terminal 2895 based on the webpage operation data. Account bridge based cache payment for the account bridge based cache payment on the web page generated by the web page operation unit 2820 (or web page operation means) and the web page operation unit 2820 (or extracted) And an interface providing unit 2825 (or an interface providing unit) including an interface, wherein the web page operating unit 2820 is configured to include the web in. In conjunction with the interface unit (2815) to a Web page that the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (2895).

According to another exemplary embodiment of the present invention, the webpage operation unit 2820 and the interface providing unit 2825 provide an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 2895. In addition to the account bridge server 2810, the affiliate server 2800, the affiliate cache system 2805, the gateway 2880 may be provided in any one of the present invention, the present invention is the web page operation unit 2820 And the interface providing unit 2825 includes all the implementation methods provided in any one of the affiliate server 2800, the affiliate cache system 2805, and the gateway 2880.

A payment means for accessing an affiliate server 2800 having an affiliate cache system 2805 in the customer terminal 2895 to purchase one or more types or intangible products, and to process a purchase price for the purchased product. When the payment request corresponding to the purchase price is requested to be paid through the affiliate cache system 2805 based on a payment method selection interface for selecting a payment, the web page operation unit 2820 may execute the affiliate cache system 2805. A web page link to be provided to the customer terminal 2895 for remote account bridge based payment processing between the account system 2890 and a web page corresponding to the confirmed web page link from the web page operation data. (Or extract) the web page source and the web content to be identified, and use the identified web page source and the web content to A web page to be provided in the customer terminal (2895) is characterized in that to generate (or extract).

When the web page management unit 2820 generates (or extracts) a web page to be provided to the customer terminal 2895 for remote account bridge based payment processing between the affiliate cache system 2805 and the account accounting system 2890. The interface provider 2825 is configured to include the account bridge-based cache payment interface on the web page to be provided to the customer terminal 2895 in connection with the web page operation unit 2820.

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 2895 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 28 will be omitted for convenience.

In this case, the account bridge-based cache payment interface is preferably made to include the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 2805, and displays the payment amount corresponding to the purchase price And, it is preferable to further display the customer account (or cache operating account) information for the cash balance, it is preferable to further comprise the shopping cart information for the purchase goods according to the intention of the skilled person.

In addition, the account bridge-based cache payment interface, if the cash balance for payment processing is insufficient, the customer account (or cache operating account) provided in the affiliate cache system 2805, the customer account (or cache operation) It is preferable to further include a withdrawal amount input interface for inputting the withdrawal amount information for processing the payment amount by replacing (or relaying) with a customer account bridged with the account); The interface preferably displays the recommended withdrawal amount information.

In addition, the account bridge-based cache payment interface to pay the payment amount through a remote account bridge between the affiliate cache system 2805 and account accounting system 2890, or to cache the affiliate cache system 2805 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (2885) provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 2885 provided in the financial company, registers the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

Referring to FIG. 28, the account bridge server 2810 may generate, or extract, the account bridge-based cache payment interface from the interface provider 2825. Checking the cash balance information corresponding to the cash management account, comparing the amount corresponding to the cash balance information with the payment amount, and validity (for example, insufficient cash balance) to process the payment amount through the cash balance; ), The cache payment validity verification unit 2830 (or the cache payment validity checking means), and the cache payment validity check (or the cash balance shortage), in conjunction with the affiliate cache system 2805 through the cache balance It is characterized by comprising a payment processing unit 2835 (or payment processing means) for payment processing the payment amount.

When the interface providing unit 2825 generates (or extracts) the account bridge based cache payment interface, the cache payment validity checking unit 2830 may perform the account bridge D / B 2877 (or an affiliate cache system 2805). Check the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 2805, and the cash balance information corresponding to the customer account (or cache operating account) If it is confirmed, the amount corresponding to the cash balance information and the payment amount may be compared to check the validity (for example, insufficient cash balance) for processing the payment amount through the cash balance.

When the cache payment validity is confirmed by the cache payment validity confirming unit 2830, the payment processing unit 2835 performs payment processing through the cash balance in connection with the affiliate cache system 2805. In response, the affiliate cache system 2805 (or the payment processing unit 2835) provides the customer terminal 2895 with a cache payment interface for processing the payment amount through the cash balance. desirable.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 28, when the cache settlement validity is not verified by the cache settlement validity verification unit 2830 (or the cache balance is insufficient), the interface provider 2825 may connect the affiliate cache system to the account bridge based cache settlement interface. Account withdrawal for payment processing of the payment amount by a transfer account method by replacing (or relaying) a customer account (or a cash management account) provided at 2805 with a customer account bridged with the customer account (or cash management account) And a withdrawal amount input interface for inputting amount information, wherein the account bridge server 2810 checks a withdrawal amount for checking a withdrawal amount for a customer account bridged with the customer account (or a cash management account). Amount checking unit 2840 (or withdrawal amount checking means), the confirmed withdrawal amount information and the customer account (or cash management system) And an information display unit 2845 (or information display means) for displaying the cash balance information corresponding to the left) on the withdrawal amount input interface included in the account bridge based cache payment interface. Accordingly, the withdrawal amount checking unit 2840 and the information display unit 2845 can be omitted.

If the cache payment validity is not confirmed by the cache payment validity verification unit 2830 (eg, if the shortage of the cash balance is confirmed), the interface provider 2825 may add the affiliate cache system to the account bridge based cache payment interface. Account withdrawal for payment processing of the payment amount by a transfer account method by replacing (or relaying) a customer account (or a cash management account) provided at 2805 with a customer account bridged with the customer account (or cash management account) The apparatus may further include a withdrawal amount input interface for inputting the amount information.

In addition, the withdrawal amount confirmation unit 2840 is linked to the account bridge D / B (2877) (or account relay server 2883 provided in a financial company) bridged with the customer account (or cash management account) It is characterized in that for checking the recommended withdrawal amount.

When the cash balance information and the recommended withdrawal amount information corresponding to the customer account (or the cache operating account) are confirmed by the withdrawal amount checking unit 2840, the information display unit 2845 may display the customer account (or the cache operating account). The cash balance information and the recommended withdrawal amount information corresponding to are displayed on the withdrawal amount input interface included in the account bridge-based cache payment interface, and are output through the customer terminal 2895.

According to an exemplary embodiment of the present invention, the information display unit 2845 preferably displays the cash balance information and the recommended withdrawal amount information in a separate display area.

According to another exemplary embodiment of the present invention, the information display unit 2845 preferably adds the recommended withdrawal amount information to the cache balance information and displays the information on the cache balance information.

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

Referring to FIG. 28, the account bridge server 2810 receives the payment request information when the customer terminal 2895 transmits the payment request information through the payment request interface included in the account bridge based cache payment interface. And an information receiving unit 2850 (or information receiving means).

The customer terminal 2895 receiving the web page including the account bridge based cache payment interface inputs (or selects) the withdrawal amount information through the withdrawal amount input interface included in the account bridge based cache payment interface; When the payment request information for the account bridge based cache payment is transmitted through the payment request interface included in the account bridge based cache payment interface, the information receiving unit 2850 may receive the payment request information.

According to an exemplary embodiment of the present invention, the payment request information includes one or more customer account (or cache operating account) information, payment amount information, account withdrawal amount information, and affiliate information for operating the affiliate cache system 2805. It is preferable to make it.

Here, the customer account information, customer identification for identifying the amount deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 2805 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operating account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliated cache system 2805, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 2895 accessing the affiliate server 2800, and the payment amount information is used for cache-based payment processing. It is preferable that the cache information corresponding to the currency unit of the affiliate cache system 2805 is included.

The account withdrawal amount information, the account transfer method by replacing (or relaying) a customer account (or a cash management account) provided in the affiliate cache system (2805) with a customer account bridged with the customer account (or cash management account) It is preferable that the amount to be withdrawn from the customer account in order to process the payment amount.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

Preferably, the affiliate information includes affiliate identification information corresponding to the affiliate server 2800 that operates the affiliate cache system 2805.

Referring to FIG. 28, when the account bridge server 2810 inputs and transmits non-face-to-face authentication information through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, the non-face-to-face authentication information is transmitted. The payment amount is settled through an information receiving unit 2850 (or information receiving means) for receiving face-to-face authentication information and a remote account bridge between the affiliate cache system 2805 and the account accounting system 2890 through the non-face-to-face authentication information. Or replace (or relay) the cache of the affiliate cache system 2805 with the balance of the customer account bridged with the customer account (or cache operating account) to pay for the non-face-to-face transaction validity of the payment amount. It is characterized by comprising a transaction authentication processing unit 2855 (or transaction authentication processing means) for authenticating.

Non-face-to-face authentication information for the account bridge-based cache payment through the non-face-to-face authentication interface included in the account bridge-based cache payment interface in the customer terminal (2895) receiving the web page including the account bridge-based cache payment interface After inputting (or selecting) and transmitting, the information receiving unit 2850 may receive the non-face-to-face authentication information.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system (2885) provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered based on one non-face-to-face transaction authentication through the non-face-to-face authentication system 2885 provided to the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 2805 (or account bridge system).

When the non-face-to-face authentication information for the account bridge-based cache payment is received through the information receiver 2850, the transaction authentication processor 2855 may be connected to the affiliate cache system 2805 through the received non-face-to-face authentication information. Payment of the payment amount through a remote account bridge between account system 2890, or replacing the cache of the affiliate cache system 2805 with the balance of the customer account bridged with the customer account (or cache operating account) Relay) to authenticate the non-face-to-face transaction validity to pay the payment amount.

According to an embodiment of the present invention, when the non-face-to-face authentication information associated with the non-face-to-face authentication system 2885 provided to the financial company is received through the information receiver 2850, the transaction authentication processor 2855 is the non-face. Processing the face-to-face authentication information to be transmitted to a non-face-to-face authentication system 2885 provided at the financial company to settle the payment amount through a remote account bridge between the affiliate cache system 2805 and the account accounting system 2890, or It is preferable to replace (or relay) the cache of the affiliate cache system 2805 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for the payment of the payment amount. .

According to another exemplary embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 2855 generates an arbitrary authentication number to generate the customer wireless. Transmitting to the terminal, receiving an authentication number input through a non-face-to-face authentication interface included in the account bridge-based cache payment interface, and comparing the received authentication number with the authentication number transmitted to the customer wireless terminal to cache the affiliated company. Payment of the payment amount through a remote account bridge between the system 2805 and the accounting system 2890, or a cache of the customer account bridged with the customer account (or cache operating account) by the cache of the affiliate cache system 2805; Verifying non-face-to-face transaction validity for paying the payment by replacing (or relaying) with the balance desirable.

When non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 2805 (or the account bridge system) is received through the information receiving unit 2850 according to another embodiment of the present invention, The transaction authentication processing unit 2855 compares the non-face-to-face authentication information with ID / PW information stored in member information D / B (not shown) to establish a remote account bridge between the affiliate cache system 2805 and the account system 2890. To pay the amount of the payment through the payment, or to replace (or relay) the cache of the affiliate cache system 2805 with the balance of the customer account bridged with the customer account (or the cash management account) to settle the payment amount. It is desirable to authenticate non-face to face transactions.

Referring to FIG. 28, the payment request information is received from the customer terminal 2895, and the non-face-to-face transaction validity for payment through the remote account bridge between the affiliate cache system 2805 and the account accounting system 2890 is authenticated. In response, the account bridge server 2810 transmits the customer account (or cache operating account) information and the account withdrawal amount information to an account relay server 2883 provided at the financial institution (2860) (or Information transfer means) and withdraw the account withdrawal amount from the customer account bridged with the customer account (or cache operating account) through the account accounting system 2890 provided to the financial company in the account relay server 2883. When depositing (or transferring) to a fund management account of a financial partner, receiving transaction details corresponding to the deposit (or transferring) transaction from the account system 2890. A transaction approval confirmation unit 2870 (or transaction approval confirmation means) for confirming whether the deposit (or transfer) transaction has been normally processed by reading a receiver (or a history reception means), the transaction history information, and the deposit (or transfer) When confirming the transaction approval for the transaction, confirm the customer account (or cache operating account) bridged with the customer account in association with the account bridge D / B (2877), and the received through the affiliate cache system (2805) A history processing unit 2873 (or a history processing means) for processing transaction details as a charge of the customer account (or a cash management account), a withdrawal amount corresponding to the charge history and the customer account (or a cash management account); Cash balance corresponding to the cash balance corresponding to the customer account (or cash management account), the sum of the cash balance corresponding to It is characterized in that it comprises a processing unit (2875) (or cash balance processing means), when the transaction approval confirmation for the deposit (or transfer) transaction by the transaction approval confirmation unit 2870, the payment processing unit 2835 The payment information for the account bridge-based cache payment corresponding to the cache balance processing is generated in association with the affiliate cache system 2805 and applied to the private interest cache system 2805, and the generated account bridge-based payment history information. Is transmitted to the customer terminal 2895, and if the transaction approval is not confirmed by the transaction approval confirmation unit 2870 for the deposit (or transfer) transaction, the payment processing unit 2835 for the deposit (or transfer) transaction The transaction history information including transaction unauthorized information is processed as the account bridge-based payment history information, and is transmitted to the customer terminal 2895.

The payment request information is received from the customer terminal 2895, and the validity of the non-face-to-face transaction for payment through the remote account bridge between the affiliate cache system 2805 and the account accounting system 2890 is verified, and the withdrawal amount is confirmed. When the account withdrawal amount information for the account bridge based cache payment is confirmed by the unit 2840, the information transmission unit 2860 checks the customer account (or cache operating account) information included in the payment request information, Or check the customer account (or cache operating account) information in connection with the account bridge D / B (2877), and through the remote account bridge between the affiliate cache system 2805 and account accounting system (2890) Or the cash management account) information and the withdrawal amount information to the account relay server 2883 provided in the financial company.

Thereafter, the account relay server 2883 withdraws the account withdrawal amount from the customer account bridged with the customer account (or a cash management account) through the account accounting system 2890 provided in the financial company, and the non-banking affiliate company. Deposit (or transfer) a funds management account, and transmit transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 2810, and correspondingly, the history receiving unit from the account system 2890. Characterized in that the transaction history information corresponding to the deposit (or transfer) transaction.

If transaction history information including transaction approval information is received through the history receiver, the transaction approval confirmation unit 2870 reads the transaction history information to confirm whether the deposit (or transfer) transaction has been processed normally. do.

If it is confirmed that the deposit (or transfer) transaction is processed normally, the details processing unit 2873 checks the customer account (or cache operating account) bridged with the customer account in connection with the account bridge D / B 2877. And, through the affiliate cache system (2805) is characterized in that the received transaction history information to be processed and stored as the charge history of the customer account (or cache operating account).

The cash balance processing unit 2875 subtracts the payment amount from the sum of the amount of the withdrawal amount corresponding to the charge and the cash balance corresponding to the customer account (or the cash management account), and then subtracts the deducted amount. It is characterized in that it is applied to the account bridge D / B (2877) (or affiliate cache system 2805) by processing the cash balance corresponding to the customer account (or cache operating account).

When the transaction approval for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 2870, the payment processing unit 2835 is linked with the affiliate cache system 2805 to bridge the account corresponding to the cash balance processing. Generate payment history for the base cash payment and apply to the private affiliate cache system 2805, and transmits the generated account bridge-based payment history information to the customer terminal (2895), the transaction approval confirmation If the transaction approval for the deposit (or transfer) transaction is not confirmed by the unit 2870, the payment processing unit 2835 bridges the transaction history information including the transaction disapproval information for the deposit (or transfer) transaction. Based on the payment history information characterized in that the transmission to the customer terminal (2895).

29 is a diagram illustrating a remote account bridge-based cache payment request process between the affiliate cache system 2805 and the account accounting system 2890 according to the third embodiment of the present invention.

More specifically, FIG. 29 is connected to an affiliate server 2800 having an affiliate cache system 2805 at a customer terminal 2895 to purchase one or more tangible or intangible products, and the purchase price for the purchased product. When the payment request is made through the affiliate cache system 2805, the account bridge server 2810 shown in FIG. 28 provides an account bridge based cache payment interface for the account bridge based cache payment from the account bridge server 2810 to the customer terminal 2895. And, it is a process for inputting (or selecting) payment request information through the account bridge-based cache payment interface in the customer terminal (2895), if the person of ordinary skill in the art to which the present invention belongs Remote account bridge based cache payments between the affiliate cache system 2805 and the accounting system 2890 with reference to and / or variations of FIG. Would be able to infer a variety of exemplary methods for the blue course, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 29.

In the drawing 29, the customer terminal 2895 shown in the drawing 28 is referred to as "terminal" for convenience, and the account bridge server 2810 is referred to as "server" for convenience.

Referring to FIG. 29, the terminal accesses an affiliate server 2800 having an affiliate cache system 2805, purchases one or more types or intangible products, and purchases a purchase price for the purchased product from the affiliate cache system. When requesting payment through 2805 (2900), the server correspondingly connects the communication channel with the terminal and generates an account bridge based cache payment interface to be provided to the terminal for the account bridge based cache payment. (2905)

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 2895 based on the information attribute of the payment request information. In this figure, a detailed description of the form form corresponding to the account bridge-based cache payment interface will be omitted for convenience.

In this case, the account bridge-based cache payment interface is preferably made to include the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 2805, and displays the payment amount corresponding to the purchase price And, it is preferable to further display the customer account (or cache operating account) information for the cash balance, it is preferable to further comprise the shopping cart information for the purchase goods according to the intention of the skilled person.

In addition, the account bridge-based cache payment interface, if the cash balance for payment processing is insufficient, the customer account (or cache operating account) provided in the affiliate cache system 2805, the customer account (or cache operation) It is preferable to further include a withdrawal amount input interface for inputting the withdrawal amount information for processing the payment amount by replacing (or relaying) with a customer account bridged with the account); The interface preferably displays the recommended withdrawal amount information.

In addition, the account bridge-based cache payment interface to pay the payment amount through a remote account bridge between the affiliate cache system 2805 and account accounting system 2890, or to cache the affiliate cache system 2805 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (2885) provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 2885 provided in the financial company, registers the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

When the account bridge based cache payment interface is generated (or extracted), the server checks the cache balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 2805 and corresponds to the cache balance information. The amount of money is compared with the payment amount to check the validity (for example, insufficient cash balance) to process the payment amount through the cash balance (2910).

If the cache payment validity is confirmed (2915), the server is linked to the affiliate cache system (2805) to process the payment amount through the cash balance (2920), corresponding to the affiliate cache system ( 2805 may preferably provide a cash payment interface to the customer terminal 2895 to process the payment amount through the cash balance.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

On the other hand, if the validity of the cache payment is not confirmed (2915), the server stores the customer account (or cache operating account) provided in the affiliate cache system 2805 in the account bridge based cache payment interface to the customer account (or cache operation). And a withdrawal amount input interface for inputting withdrawal amount information for processing the settlement amount by payment (bank transfer) by replacing (or relaying) with a customer account bridged with the account; After checking the recommended withdrawal amount for the bridged customer account and the confirmed withdrawal amount information and the cash balance information corresponding to the customer account (or the cache operating account), the account bridge-based cache payment interface is included. The account with which the withdrawal amount input interface is displayed (2925) and including the withdrawal amount input interface. The bridge-based cache payment interface is transmitted to the terminal (2930).

According to an embodiment of the present invention, the account bridge-based cache payment interface may include the cash balance information, payment amount information corresponding to the purchase price, customer account (or cache operating account) information on the cash balance, and the purchase product. It is preferable to display at least one shopping cart information.

The terminal provided with the account bridge based cache payment interface receives a customer account (or a cache operating account) provided in the affiliate cache system 2805 through the withdrawal amount input interface included in the account bridge based cache payment interface. (Or cash) the customer account bridged with (or relayed) and checks whether the withdrawal amount is entered to process the payment amount by account transfer (2935).

Here, the account withdrawal amount information, by replacing (or relaying) a customer account (or a cash management account) provided in the affiliate cache system 2805 with a customer account bridged with the customer account (or cash management account) It is preferable to include an amount to be withdrawn from the customer account in order to process the payment amount by the transfer method.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

If the withdrawal amount is input through the withdrawal amount input interface included in the account bridge based cache payment interface (2940), the terminal checks whether the account bridge based cache payment is requested through the account bridge based cache payment interface. In operation 2945, if the account bridge based cache payment is requested (2950), payment request information is transmitted to the server through the account bridge based cache payment interface (2955).

According to an exemplary embodiment of the present invention, the payment request information includes one or more customer account (or cache operating account) information, payment amount information, account withdrawal amount information, and affiliate information for operating the affiliate cache system 2805. It is preferable to make it.

Here, the customer account information, customer identification for identifying the amount deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 2805 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operating account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliated cache system 2805, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 2895 accessing the affiliate server 2800, and the payment amount information is used for cache-based payment processing. It is preferable that the cache information corresponding to the currency unit of the affiliate cache system 2805 is included.

The account withdrawal amount information, the account transfer method by replacing (or relaying) a customer account (or a cash management account) provided in the affiliate cache system (2805) with a customer account bridged with the customer account (or cash management account) It is preferable that the amount to be withdrawn from the customer account in order to process the payment amount.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

Preferably, the affiliate information includes affiliate identification information corresponding to the affiliate server 2800 that operates the affiliate cache system 2805.

30 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache payment between the affiliate cache system 2805 and the account system 2890 according to the third embodiment of the present invention.

In more detail, in FIG. 30, an account bridge-based cache payment interface is provided to the customer terminal 2895 through the account bridge-based cache payment request process shown in FIG. 29, or the account bridge from the customer terminal 2895. After the payment request information is transmitted through the based cache payment interface, the remote account bridge based cache between the affiliate cache system 2805 and the account accounting system 2890 based on the non-face-to-face authentication interface included in the account bridge based cache payment interface. As a process for checking the validity of non-face-to-face transactions for payment, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 30 and the affiliate cache system 2805 and the account accounting system. (2890) Non-face-to-face transaction validation for remote account bridge-based cache payments and Various implementation methods for the definition may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

30, the customer terminal 2895 shown in FIG. 28 is referred to as " terminal " for convenience, and the account bridge server 2810 is referred to as " server " for convenience.

Referring to FIG. 30, an account bridge based cache payment interface is provided to the customer terminal 2895 through the account bridge based cache payment request process shown in FIG. 29, or from the customer terminal 2895. After the payment request information is transmitted through the cache payment interface, the terminal uses a non-face-to-face authentication interface included in the account bridge based cache payment interface to establish a remote account bridge based between the affiliate cache system 2805 and the account system 2890. It is checked whether non-face-to-face authentication information for checking the validity of the non-face-to-face transaction for the cache settlement is input (3000).

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system (2885) provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered based on one non-face-to-face transaction authentication through the non-face-to-face authentication system 2885 provided to the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 2805 (or account bridge system).

If the non-face-to-face authentication information for verifying the non-face-to-face transaction validity for the remote account bridge-based cache payment between the affiliate cache system 2805 and the account accounting system 2890 is input through the face-to-face authentication interface (3005), the The terminal transmits the input non-face-to-face authentication information to the server through the non-face-to-face authentication interface (3010).

When the non-face-to-face authentication information includes one or more encryption / decryption-based authentication information, authorized certificate-based authentication information, one-time password, transaction password, and account password according to an embodiment of the present invention, the non-face-to-face authentication information is the above. It is possible to be transmitted directly to the non-face-to-face authentication system 2885 of the financial company, whereby the present invention is not limited.

Thereafter, the server pays the payment amount through the remote account bridge between the affiliate cache system 2805 and the account accounting system 2890 through the received non-face-to-face authentication information, or of the affiliate cache system 2805. The cash is replaced (or relayed) with the balance of the customer account bridged with the customer account (or the cash management account) to verify the non-face-to-face transaction validity of the payment amount (3015).

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 2885 provided to the financial company is received according to an embodiment of the present invention, the server provides the non-face-to-face authentication information provided to the financial company. (2885) processing to be transmitted to the payment through the remote account bridge between the affiliate cache system 2805 and account accounting system 2890, or the cache of the affiliate cache system 2805 to the customer account ( Or by replacing (or relaying) the balance of the customer account bridged with the cash management account) and authenticating the non-face-to-face transaction validity for payment of the payment amount.

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using a wireless authentication means using the customer wireless terminal information, the server generates a random authentication number and transmits it to the customer wireless terminal. Receiving the authentication number entered through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal and the received authentication number in the affiliate cache system 2805 Payment of the payment amount through a remote account bridge between the account system 2890 or the cash exchange of the affiliate cache system 2805 with the balance of the customer account bridged with the customer account (or cache operating account) ( Or relay) to authenticate the non-face-to-face transaction validity of the payment amount.

According to another exemplary embodiment of the present invention, when non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 2805 (or the account bridge system) is received, the server provides the non-face-to-face authentication information. Comparing the ID / PW information stored in the member information D / B (not shown) to settle the payment amount through a remote account bridge between the affiliate cache system 2805 and the account system 2890, or the affiliate cache It is desirable to replace (or relay) the cache of the system 2805 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for paying the payment amount.

If the non-face-to-face transaction validity for the account bridge based cache payment is not confirmed through the non-face-to-face authentication information (3020), the server transmits the non-face-to-face authentication error information to the terminal through the communication channel (3025). .

On the other hand, if the non-face-to-face transaction validity for the account bridge-based cache payment is confirmed through the non-face-to-face authentication information (3020), the server transmits the non-face-to-face authentication result information to the terminal through the communication channel (3030).

31 is a diagram illustrating a remote account bridge based cache settlement process between the affiliate cache system 2805 and the account accounting system 2890 according to the third embodiment of the present invention.

In more detail, FIG. 31 illustrates that an account bridge based cache payment interface is provided to the customer terminal 2895 through the account bridge based cache payment request process shown in FIG. 29, and then the account bridge based on the account bridge 2895. When requesting an account bridge-based cash payment through the cache payment interface and validating the non-face-to-face transaction for the account bridge-based cash payment through the non-face-to-face transaction validation process shown in FIG. 30, the process shown in FIG. The account bridge server 2810 remotely bridges the affiliate cache system 2805 and the account accounting system 2890 by interworking with the account relay server 2883 included in the financial institution to process payment through the affiliate cache system 2805. As a matter of course, those of ordinary skill in the art to which the present invention pertains, While reference and / or modification may infer various implementation methods for the remote account bridge based cache payment process between the affiliate cache system 2805 and the accounting system 2890, the present invention may infer all of the inferred implementation methods. It is not limited to the implementation method shown in FIG.

In the drawing 31, the customer terminal 2895 shown in the drawing 28 is referred to as "terminal" for convenience, and the account bridge server 2810 is referred to as "server" for convenience.

Referring to FIG. 31, the client terminal 2895 requests an account bridge based cache payment through the account bridge based cache payment request process shown in FIG. 29, and performs a non-face-to-face transaction validation process shown in FIG. 30. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated, the server checks whether the account bridge based cache payment is requested from the terminal (3100), and if the account bridge based cache payment request is verified ( 3105), the server may be configured to provide the account relay server with the customer account (or cache operating account) information and withdrawal amount information through the remote account bridge between the affiliate cache system 2805 and the account accounting system 2890; 2883 (3110).

Thereafter, the server checks whether the transaction history information for the account withdrawal amount information is received from the account relay server 2883 provided in the financial company (3115).

If transaction history information on the recharge amount information is received from the account relay server 2883 (3120), the server reads the transaction history information and checks whether the transaction is approved (3125).

If the transaction result of the transaction confirmation information is not confirmed (3130), the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system (2805) (3135). In operation 3155, payment history information regarding the account bridge-based cache payment is transmitted to the terminal.

On the other hand, if the confirmation of the transaction approval of the transaction history information is confirmed (3130), the server processes the transaction history information as the charging history of the affiliate cache system (2805) and applies (3140), the charge history The amount obtained by subtracting the payment amount from the sum of the corresponding withdrawal amount and the cash balance corresponding to the customer account (or the cash management account) is processed as the new cash balance corresponding to the customer account (or the cash management account). The processing to apply to the account bridge D / B (2877) (or affiliate cache system 2805) (3145), and in conjunction with the affiliate cache system 2805 account bridge based cache corresponding to the cache balance processing The payment history is generated for the payment (3150), and the payment history information for the account bridge-based cache payment is transmitted to the terminal and output (3155).

32 is a diagram illustrating a remote account bridge based reservation payment system between an affiliate cache system 3205 and an account system 3295 according to a third embodiment of the present invention.

In more detail, FIG. 32 illustrates that the customer terminal 3297 accesses an affiliate server 3200 having an affiliate cache system 3205, purchases one or more types or intangible products, and purchases a purchase price for the purchased product. When the payment request is made through the affiliate cache system 3205, the client terminal 3297 provides an account bridge based cache payment interface for account bridge based cache payment, and the customer terminal 3297 uses the account bridge based cache. When the payment request information is input (or selected) through a payment interface, the payment request information is used to remotely bridge the affiliate cash system 3205 provided in the non-financial partner and the account system 3295 provided in the financial company. As a system configuration for pre-payment of the payment amount corresponding to the purchase price, specifically When the payment is processed through the cash balance corresponding to the customer account (or the cache operating account) of the cash cache system 3205, if the cash balance is greater than the payment amount, the payment is processed through the cash balance, and the cache If the balance is insufficient, the customer account (or cash management account) provided in the affiliate cache system 3205 is replaced (or relayed) with the customer account bridged with the customer account (or cash management account) to pay by account transfer. After confirming the amount of the withdrawal to be processed, the amount of the withdrawal from the customer's account (or the cash management account) and the remotely bridged customer's account can be paid either by advance reservation or withdrawal, or by prepayment. It is about the method of conducting withdrawal and payment processing.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 32 to provide a variety of remote account bridge based reservation payment system configurations between the affiliate cache system 3205 and the accounting system 3295. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 32 in accordance with an embodiment of the present invention, a remote account bridge based reservation payment system between the affiliate cache system 3205 and the accounting system 3295 includes one or more browser programs, and through the browser program. One or more types or intangibles of the customer terminal 3297 connected to a communication network and the customer terminal 3297 through the communication network, and when connected through the communication network from the customer terminal 3297, to the customer terminal 3297. Cache-based payment for the payment amount of the product sold by the affiliate server 3200 based on the funds deposited in the partner's server 3200 and the non-financial partner's fund management account opened at the financial institution. Affiliate cache system 3205 to process and the purchase price for the goods purchased in the customer terminal 3297 through the affiliate cache system 3205 When requesting a non-payment, the client terminal 3297 provides an account bridge-based cache payment interface for the account bridge-based cache payment, and the customer terminal 3297 sends the payment request information through the account bridge-based cache payment interface. In the case of inputting (or selecting) the data, the cash balance is compared with the settlement amount, and if the cash balance is greater than the settlement amount, the settlement amount is processed through the cash balance, but if the cash balance is insufficient, The customer account (or cash management account) provided in the affiliate cash system 3205 is replaced (or relayed) with the customer account bridged with the customer account (or cash management account), and the payment amount is processed by the account transfer method. Account bridge server 3210 (= at the time of account bridge) to reflect the payment processing result to the affiliate cache system 3205 System functional name) and an account relay server 3290 provided at a financial institution to interface with an account bridge server 3210 for remote account bridge based cache payment between the affiliate cache system 3205 and the accounting system 3295 (= A functional name of the account relay system), an account management system 3295 for operating a fund management account of the non-financial partner and one or more customer accounts.

However, in FIG. 32, the account bridge server 3210 is illustrated as being formed in one server form for convenience. However, the present invention is not limited thereto, and the account bridge server 3210 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account bridge server 3210 corresponds to the functional name of the account bridge system shown in FIG. 1 and is not limited to the physical name.

The customer terminal 3297 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a notebook computer connected to the account bridge server 3210 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP-TV including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired or wireless communication networks. Or at least one TV device (not shown) including at least one digital TV or DMB. And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the customer terminal 3297 including one or more of the wired terminal or wireless terminal or TV device (not shown), Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 3210 may include web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 3297. And a database for storing the database, wherein the database is provided in a database management system (DBMS) associated with the account bridge server 3210.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided to the customer terminal 3297 by the account bridge server 3210. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 3297 It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, a web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided from the account bridge server 3210 to the customer terminal 3297. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page contents) may be included. In this case, the web page provided to the customer terminal 3297 may include one or more web pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

According to another exemplary embodiment of the present invention, the webpage operation data is in addition to the account bridge server 3210 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 3297. It may be provided in any one of the affiliate server 3200, affiliate cache system 3205, gateway 3287, the present invention is the web page operation data is the affiliate server 3200, affiliate cache system 3205 It is apparent that the implementation includes all of the gateways 3287.

According to the embodiment of the present invention, the account bridge server 3210 stores the customer account (or cache operating account) information and customer account information registered through the account registration system shown in FIG. It is preferable to have an account bridge D / B 3285 for storing information and at least one wireless terminal information in association with each other, or to interwork through a network, and the account bridge D / B 3285 may be configured as the customer account ( Or store the cash balance information corresponding to the cash management account) in addition, or further recommend the withdrawal amount information and the withdrawal limit amount information corresponding to the customer account information bridged with the customer account (or the cash management account) remotely. It is desirable to store in conjunction.

Here, the cash balance information includes balance information of caches stored, recorded, and managed through the customer account (or a cache operating account) among the amounts deposited in the fund management account in the affiliate cache system 3205. desirable.

According to the exemplary embodiment of the present invention, the cash balance information may be calculated by subtracting the cash corresponding to the payment history from the cache corresponding to the charge corresponding to the customer account (or the cache operating account) of the affiliate cache system 3205. In this case, the cash balance is not pre-charged separately in FIG. 32, so that the user account (or the cash management account) bridged with the customer account (or the cash management account) in the previous payment process does not withdraw more than necessary amount for payment. In this case, the cash balance preferably comprises '0'.

According to another exemplary embodiment of the present invention, when the account balance server 3210 checks the cash balance through the affiliate cache system 3205, the cash balance information may be omitted in the account bridge D / B 3285. The present invention is not limited thereto.

The recommended withdrawal amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 3205. As the amount to recommend (or transfer) to the fund management account, the withdrawal amount of the recommendation is preferably set by the customer or according to the policy of the account bridge server 3210, according to the intention of the skilled person It can be omitted.

The withdrawal limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 3205. As the limit amount to be deposited (or transferred) into the fund management account, the withdrawal limit amount preferably includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

If the recommended withdrawal amount information and withdrawal limit amount information are stored in the account relay D / B provided to the financial company, the recommended withdrawal amount information and withdrawal limit amount information is stored in the account bridge D / B 3285. It is possible to omit it, thereby not limiting the present invention.

Referring to FIG. 32, the account bridge server 3210 provides a web page to the customer terminal 3297 using an HTTP compatible protocol corresponding to the communication network, or based on the web page provided to the customer terminal 3297. It characterized in that it comprises a web interface unit 3215 for connecting and managing a web interface for receiving (or selected) the various information input (or selected) from the customer terminal (3297).

According to an exemplary embodiment of the present invention, when the customer terminal 3297 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the web interface 3215 is connected to the customer terminal 3297 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 3297 through the communication channel. It is preferable to interface so that a web page of a form) is provided, or the information input from the customer terminal 3297 is received in a GET / POST method.

According to another exemplary embodiment of the present invention, when the customer terminal 3297 is a wireless terminal in which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 3215 may communicate with the customer terminal 3297 and CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 3297 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or so that the information input from the customer terminal 3297 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 3297 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface 3215 is connected to the customer terminal 3297 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or interface so that the information input from the customer terminal 3297 is received in a GET / POST method.

According to another exemplary embodiment of the present invention, the web interface unit 3215 may be configured to provide the account bridge server with the account bridge server based on a location of providing an account bridge-based cache payment interface for the account bridge-based cache payment to the customer terminal 3297. In addition to the 3210, the affiliate server 3200, the affiliate cache system 3205, the gateway 3287 may be provided in any one of the present invention, the web interface unit 3215, the affiliate server 3200, It is apparent that the implementation method included in any one of the affiliate cache system 3205 and the gateway 3287 is included.

Referring to FIG. 32, the customer terminal 3297 accesses an affiliate server 3200 having an affiliate cache system 3205, purchases one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 3205, the account bridge server 3210 generates (or extracts) a web page to be provided to the customer terminal 3297 based on the web page operation data. Account bridge-based cache payment for the account bridge-based cache payment on the web page management unit 3220 (or web page operation means) and the web page generated (or extracted) in association with the web page operation unit 3220 And an interface providing unit 3225 (or an interface providing means) including an interface, wherein the web page operation unit 3220 is configured to include the web in. In conjunction with the interface unit 3215 to the Web page the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (3297).

According to another exemplary embodiment of the present invention, the webpage operation unit 3220 and the interface provider 3225 provide an account bridge-based cache payment interface for the account bridge-based cache payment to the customer terminal 3297. In addition to the account bridge server 3210, it is possible to be provided in any one of the affiliate server 3200, affiliate cache system 3205, gateway 3287, the present invention is the web page operation unit 3220 It is apparent that the interface providing unit 3225 includes all of the implementation methods provided in any one of the affiliate server 3200, the affiliate cache system 3205, and the gateway 3287.

Payment means for accessing the affiliate server 3200 having the affiliate cache system 3205 in the customer terminal 3297 to purchase one or more types or intangible products, and to process the purchase price for the purchased product. When the payment request corresponding to the purchase price is requested to be paid through the affiliate cache system 3205 based on a payment method selection interface for selecting a payment, the web page operation unit 3220 may execute the affiliate cache system 3205. A web page link to be provided to the customer terminal 3297 for remote account bridge-based payment processing between the accounting system 3295 and a web page corresponding to the confirmed web page link from the web page operation data. (Or extract) the web page source and the web content to be identified, and use the identified web page source and the web content to A web page to be provided in the customer terminal (3297) is characterized in that to generate (or extract).

When the webpage operation unit 3220 generates (or extracts) a webpage to be provided to the customer terminal 3297 for remote account bridge-based payment processing between the affiliate cache system 3205 and the account accounting system 3295, The interface providing unit 3225 may be configured to include the account bridge-based cache payment interface in the web page to be provided to the customer terminal 3297 in connection with the web page operation unit 3220.

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 3297 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 32 will be omitted for convenience.

Here, the account bridge-based cache payment interface is preferably made to include the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 3205, and displays the payment amount corresponding to the purchase price And, it is preferable to further display the customer account (or cache operating account) information for the cash balance, it is preferable to further comprise the shopping cart information for the purchase goods according to the intention of the skilled person.

In addition, the account bridge-based cache payment interface, if there is not enough cash balance to process the payment amount, the customer account (or cache operating account) provided in the affiliate cache system 3205, the customer account (or cache operation) It is preferable to further include a withdrawal amount input interface for inputting the withdrawal amount information for processing the payment amount by replacing (or relaying) with a customer account bridged with the account); The interface preferably displays the recommended withdrawal amount information.

In addition, the account bridge-based cache payment interface to pay the amount of payment through a remote account bridge between the affiliate cache system 3205 and account accounting system 3295, or to cache the affiliate cache system 3205 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (3293) provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 3293 provided in the financial company, registers the customer wireless terminal information for non-face-to-face authentication based on one non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

In addition, the account bridge-based cash payment interface further includes a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (eg, withdrawal payment after advance reservation or reservation payment after advance payment). It is preferable to comprise.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

Referring to FIG. 32, when the account bridge server 3210 generates (or extracts) the account bridge based cache payment interface in the interface provider 3325, the account bridge server 3210 may generate a customer account (or an account) of the affiliate cache system 3205. Checking the cash balance information corresponding to the cash management account), comparing the amount corresponding to the cash balance information with the payment amount, and validating the payment amount through the cash balance (for example, insufficient cash balance); The cache payment validity verification unit 3230 (or the cache payment validity verification means) for confirming, and when the cache payment validity check (or cash balance shortage), in conjunction with the affiliate cache system 3205 through the cache balance It is characterized by comprising a payment processing unit 3235 (or payment processing means) for payment processing the payment amount.

When the interface providing unit 3225 generates (or extracts) the account bridge based cache payment interface, the cache payment validity checking unit 3230 may perform the account bridge D / B 3285 (or an affiliate cache system 3205). Check the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 3205, and the cash balance information corresponding to the customer account (or cache operating account) If it is confirmed, the amount corresponding to the cash balance information and the payment amount may be compared to check the validity (for example, insufficient cash balance) for processing the payment amount through the cash balance.

When the cache payment validity is confirmed by the cache payment validity checking unit 3230, the payment processing unit 3235 processes the payment amount through the cash balance in connection with the affiliate cache system 3205. In response, the affiliate cache system 3205 (or the payment processing unit 3235) provides the customer terminal 3297 with a cache payment interface for processing the payment amount through the cash balance. desirable.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 32, when the cache settlement validity is not verified by the cache settlement validity confirming unit 3230 (or the cache balance is insufficient), the interface provider 3325 may attach the affiliate cache system to the account bridge based cache settlement interface. Account withdrawal for processing the payment amount by a transfer account method by replacing (or relaying) a customer account (or a cash management account) provided at 3205 with a customer account bridged with the customer account (or cash management account). And a withdrawal amount input interface for inputting amount information, wherein the account bridge server 3210 checks a withdrawal amount for checking a withdrawal amount for a customer account bridged with the customer account (or a cash management account). Amount checking unit 3240 (or withdrawal amount checking means), the confirmed withdrawal amount information and the customer account (or cash management) And an information display unit 3245 (or information display means) for displaying the cash balance information corresponding to the left) on the withdrawal amount input interface included in the account bridge based cache payment interface. Accordingly, the withdrawal amount checking unit 3240 and the information display unit 3245 can be omitted.

If the cache payment validity is not verified by the cache payment validity checking unit 3230 (for example, if the cash balance is insufficient), the interface provider 3225 may transmit the affiliate cache system to the account bridge based cache payment interface. Account withdrawal for processing the payment amount by a transfer account method by replacing (or relaying) a customer account (or a cash management account) provided at 3205 with a customer account bridged with the customer account (or cash management account). The apparatus may further include a withdrawal amount input interface for inputting the amount information.

In addition, the withdrawal amount checking unit 3240 is linked to the account bridge D / B (3285) (or account relay server 3290 provided in the financial institution) and the customer account bridged with the customer account (or cache operating account) It is characterized in that for checking the recommended withdrawal amount.

When the cash balance information and the recommended withdrawal amount information corresponding to the customer account (or the cache operating account) are confirmed by the withdrawal amount checking unit 3240, the information display unit 3245 is connected to the customer account (or the cache operating account). The cash balance information and the recommended withdrawal amount information corresponding to are displayed on the withdrawal amount input interface included in the account bridge-based cache payment interface, and are output through the customer terminal 3297.

According to an exemplary embodiment of the present invention, the information display unit 3245 preferably displays the cash balance information and the recommended withdrawal amount information in a separate display area.

According to another exemplary embodiment of the present invention, the information display unit 3245 preferably adds the recommended withdrawal amount information to the cache balance information and displays the information on the cache balance information.

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

Referring to FIG. 32, the account bridge server 3210 receives the payment request information when the customer terminal 3297 transmits the payment request information through the payment request interface included in the account bridge based cache payment interface. And an information receiving unit 3250 (or information receiving means).

The customer terminal 3297 receiving the webpage including the account bridge based cache payment interface inputs (or selects) the withdrawal amount information through the withdrawal amount input interface included in the account bridge based cache payment interface; When the payment request information for the account bridge based cache payment is transmitted through the payment request interface included in the account bridge based cache payment interface, the information receiving unit 3250 may receive the payment request information.

According to an embodiment of the present invention, the payment request information includes one or more customer account (or cache operating account) information, payment amount information, account withdrawal amount information, and affiliate information for operating the affiliate cache system 3205. It is preferable to be made, and the purchase method information, payment method selection information through the payment method selection interface may be further included according to the intention of those skilled in the art.

Here, the customer account information is a customer for identifying the amount deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system (3205) Preferably, the identification number includes member ID information of the customer.

Alternatively, the cash management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 3205, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 3297 by accessing the affiliate server 3200, and the payment amount information is used for cache-based payment processing. Preferably, the affiliate cache system 3205 includes cache information corresponding to a currency unit.

The account withdrawal amount information, the account transfer method by replacing (or relaying) a customer account (or a cash management account) provided in the affiliate cache system (3205) with a customer account bridged with the customer account (or cash management account) It is preferable that the amount to be withdrawn from the customer account in order to process the payment amount.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

Preferably, the affiliate information includes affiliate identification information corresponding to the affiliate server 3200 that operates the affiliate cache system 3205.

Referring to FIG. 32, when the account bridge server 3210 inputs and transmits non-face-to-face authentication information through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, the non-face-to-face authentication information is transmitted from the client terminal 3297. The payment amount is settled through an information receiving unit 3250 (or information receiving means) for receiving face-to-face authentication information and a remote account bridge between the affiliate cache system 3205 and the account accounting system 3295 through the non-face-to-face authentication information. Or replace (or relay) the cache of the affiliate cache system 3205 with the balance of the customer account bridged with the customer account (or cache operating account) to pay for the non-face-to-face transaction validity of the payment amount. It is characterized by comprising a transaction authentication processing unit 3255 (or transaction authentication processing means) for authentication.

The customer terminal 3297 receiving the webpage including the account bridge based cache payment interface receives non-face-to-face authentication information for the account bridge based cache payment through the non-face authentication interface included in the account bridge based cache payment interface. When inputting (or selecting) and transmitting, the information receiving unit 3250 may receive the non-face-to-face authentication information.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system (3293) provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered based on one non-face-to-face transaction authentication through the non-face-to-face authentication system 3293 provided at the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 3205 (or the account bridge system).

When the non-face-to-face authentication information for the account bridge-based cache payment is received through the information receiver 3250, the transaction authentication processor 3255 may be connected to the affiliate cache system 3205 and the account system through the received non-face-to-face authentication information. Payment of the payment amount via a remote account bridge between systems 3295, or replacing the cache of the affiliate cache system 3205 with the balance of the customer account bridged with the customer account (or cache operating account) ) To authenticate the non-face-to-face transaction validity of the payment amount.

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 3293 provided in the financial company is received through the information receiver 3250 according to an exemplary embodiment of the present invention, the transaction authentication processor 3255 is configured to perform the non-face authentication. Processing the face-to-face authentication information to be transmitted to a non-face-to-face authentication system 3293 provided at the financial company to settle the payment amount through a remote account bridge between the affiliate cache system 3205 and the account accounting system 3295, or It is preferable to replace (or relay) the cache of the affiliate cache system 3205 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for the payment of the payment amount. .

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 3255 generates an arbitrary authentication number to generate the customer wireless. Transmits to a terminal, receives an authentication number input through a non-face-to-face authentication interface included in the account bridge based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal with the received authentication number to cache the affiliated company cache. Payment of the payment amount through a remote account bridge between system 3205 and accounting system 3295, or a cache of the customer account bridged with the customer account (or cache operating account) by caching the affiliate cache system 3205 Verifying non-face-to-face transaction validity for paying the payment by replacing (or relaying) with the balance desirable.

According to another exemplary embodiment of the present invention, when non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 3205 (or the account bridge system) is received through the information receiving unit 3250, The transaction authentication processor 3255 compares the non-face-to-face authentication information with ID / PW information stored in member information D / B (not shown) to establish a remote account bridge between the affiliate cache system 3205 and the account system 3295. Paying the amount of payment through the payment, or by replacing (or relaying) the cache of the affiliate cache system 3205 with the balance of the customer account bridged with the customer account (or cash management account) It is desirable to certify non-face-to-face transaction validity for something.

Referring to FIG. 32, the account bridge server 3210 makes payment for the payment request information through a remote account bridge between the affiliate cache system 3205 and the account accounting system 3295 in a prepayment and withdrawal payment method. In order to receive the payment request information from the customer terminal 3297, the non-face-to-face transaction validity for payment through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is authenticated, the withdrawal When the money withdrawal amount information for the account bridge-based cash payment is confirmed by the amount checking unit 3240, the affiliate cash system 3205 and the account accounting system 3295 check the payment amount included in the payment request information within a predetermined time. An information generator 3277 (or information generating means) for generating payment reservation information for payment processing through a remote account bridge between the client and the account; The information storage unit 3280 (or information storage means) for storing in the account bridge D / B (3285) (or affiliate cache system 3205) in association with the cache operating account) information, the account withdrawal amount information and payment reservation information And a customer approval confirmation unit 3283 confirming customer approval for processing the payment through the remote account bridge between the affiliate cash system 3205 and the account accounting system 3295 through the payment reservation information and the customer communication means. (Or a customer approval confirmation means) is characterized in that it is made.

The payment request information is received from the customer terminal 3297, and the validity of the non-face-to-face transaction for payment through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is verified, and the withdrawal amount is confirmed. When the account withdrawal amount information for the account bridge-based cache settlement is confirmed by the unit 3240, the information generation unit 3277 stores the payment amount included in the payment request information within a predetermined time in the affiliate cache system 3205. Reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, customer communication means information for processing the payment through the remote account bridge between the account system 3295, according to the intention of the skilled person It further includes payment amount information (or the account withdrawal amount information) included in the payment request information, affiliate information and purchase product information. The features that create a payment schedule information.

Here, the reservation payment expiration date and time information includes one or more date information and time information when the reservation payment of the withdrawal payment method expires after the pre-booking, and the payment amount included in the payment request information after the reservation payment expiration date and time. It is preferable that the payment processing for is automatically canceled or processed so as to be automatically approved.

The automatic payment setting information preferably includes information for automatically canceling or automatically approving a payment process for a payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing via the remote account bridge between the affiliate cache system 3205 and the account accounting system 3295 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Preferably, payment processing via the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or created) or registered through an information registration procedure such as an account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 3200 (or affiliate cache system 3205). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When the payment reservation information is generated through the information generator 3277, the information storage unit 3280 is generated by the customer account (or cache operating account) information, the withdrawal amount information, and the information generator 3277. Linked payment reservation information is stored in the account bridge D / B (3285) (or affiliate cache system 3205).

The account storage D / B 3285 (or the affiliate cache system 3205), the customer account (or cache operating account) information, the withdrawal amount information, and the payment reservation information are stored in the account bridge D / B 385 by the information storage unit 3280. When stored in association, the customer approval confirmation unit 3283 checks the reservation expiration date and time information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205), Generate customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before the reservation payment expiration date and including a password input interface for inputting and transmitting the customer approval password. To transmit to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirming unit 3283 is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to customer wireless terminal information, or Receive the customer approval password entered through the password input interface from the terminal receiving the mail, or a terminal using a messenger, and the received customer approval password and the account bridge D / B (3285) (or affiliate cache system ( 3205) to confirm the customer approval for payment processing through the remote account bridge between the affiliate cash system 3205 and the account system 3295 by comparing with the customer approval password of the payment reservation information stored in the 3205). .

Referring to FIG. 32, the account bridge server 3210 is confirmed by the customer approval confirmation unit 3283 to confirm the customer approval for the reservation or by the automatic payment processing information included in the payment reservation information. When the reservation payment is automatically approved, the information transmission unit 3260 (or information transmission means) for transmitting the customer account (or cash management account) information and the withdrawal amount information to the account relay server 3290 provided at the financial company. And withdraws the account withdrawal amount from the customer account bridged with the customer account (or a cash management account) through the account accounting system 3295 provided to the financial company in the account relay server 3290 to fund the non-financial partner. When depositing (or transferring) to the operating account, the history receiver 3265 for receiving transaction details corresponding to the deposit (or transfer) transaction from the account system 3295 ( The transaction approval confirmation unit 3270 (or transaction approval confirmation means) for checking whether the deposit (or transfer) transaction has been processed normally by reading the transaction history information, the transaction history information, and the deposit (or transfer) transaction. When confirming the transaction approval, check the customer account (or cache operating account) bridged with the customer account in association with the account bridge D / B 3285, and the received transaction history through the affiliate cache system 3205 In the details processing unit 3273 (or details processing means) for processing the information as the charge of the customer account (or cache operating account), the withdrawal amount corresponding to the charge history and the customer account (or cache operating account) Cash balance processing unit 327 for processing the cash amount corresponding to the customer account (or cache operating account) by subtracting the payment amount from the sum of the corresponding cash balances. 5) (or cash balance processing means), and when confirming the transaction approval for the deposit (or transfer) transaction by the transaction approval confirmation unit 3270, the payment processing unit 3235 is the affiliated company. In connection with the cache system 3205, the payment history for the account bridge-based cache payment corresponding to the cache balance processing is generated and applied to the affiliate cache system 3205, and the generated account bridge-based payment history information is generated. When the transaction approval is not confirmed by the transaction approval confirmation unit 3270, and the transaction approval for the deposit (or transfer) transaction, the payment processing unit 3235, the transaction approval information for the deposit (or transfer) transaction It characterized in that the transaction history information including the transaction processing to the account bridge-based payment history information to the customer communication means.

When the customer approval for the reservation payment is confirmed by the customer approval confirmation unit 3283 or when the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, the information transmission unit 3260. Checks the customer account (or cache operating account) information included in the payment request information, or checks the customer account (or cache operating account) information in association with the account bridge D / B 3285, and the affiliate The customer account (or cache operating account) information and the withdrawal amount information are transmitted to the account relay server 3290 provided at the financial institution through a remote account bridge between the cache system 3205 and the accounting system 3295. do.

Thereafter, the account relay server 3290 may withdraw the account withdrawal amount from the customer account bridged with the customer account (or a cash management account) through the account accounting system 3295 provided at the financial company, and thus the non-banking affiliate company. Deposit (or transfer) the funds in the fund management account, and transmit transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 3210, and in response, the history receiving unit 3265 transmits the accounting system ( 3295) the transaction history information corresponding to the deposit (or transfer) transaction.

If transaction history information including transaction approval information is received through the history receiver 3265, the transaction approval confirmation unit 3270 reads the transaction history information to check whether the deposit (or transfer) transaction has been processed normally. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction is processed normally, the details processing unit 3273 checks the customer account (or cache operating account) bridged with the customer account in connection with the account bridge D / B 3285. And, through the affiliate cache system 3205 characterized in that the received transaction history information to be processed and stored as the charge history of the customer account (or cache operating account).

The cash balance processor 3275 subtracts the payment amount from the sum of the amount of the account withdrawal amount corresponding to the charging history and the cash balance corresponding to the customer account (or the cash management account), and then subtracts the deducted amount. It is characterized in that it is applied to the account bridge D / B (3285) (or affiliate cache system 3205) by processing the cash balance corresponding to the customer account (or cache operating account).

When the transaction approval for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 3270, the payment processing unit 3235 is linked with the affiliate cache system 3205 to correspond to the cash balance processing. Generate payment history for the bridge-based cache payment to apply to the affiliate cache system 3205, and transmits the generated account bridge-based payment history information to the customer communication means, the transaction approval confirmation unit If the transaction approval for the deposit (or transfer) transaction is not confirmed by the 3270, the payment processing unit 3235 may transfer the transaction history information including the transaction disapproval information for the deposit (or transfer) transaction based on the account bridge. Characterized in the payment history information characterized in that the transmission to the customer communication means.

Referring to FIG. 32, the account bridge server 3210 may make a payment for the payment request information through a remote account bridge between the affiliate cache system 3205 and the account accounting system 3295 using a prepaid and prepaid payment method. In order to receive the payment request information from the customer terminal 3297, the non-face-to-face transaction validity for payment through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is authenticated, the withdrawal When the account withdrawal amount information for the account bridge-based cash payment is confirmed by the amount checking unit 3240, the account relay server 3290 provided with the customer account (or cash management account) information and the withdrawal amount information in the financial company; Information transfer unit (3260) (or information transmission means) to be transmitted to, and the account relay system (3295) provided in the financial company in the account relay server (3290) When the withdrawal amount is withdrawn from the customer account bridged with the customer account (or the cash management account) and deposited (or transferred) into the fund management account of the non-financial partner, the deposit (or transfer) from the account system 3295 Transfer) A history reception unit 3265 (or a history reception unit) for receiving transaction history information corresponding to a transaction, and a transaction approval confirmation unit 3270 for checking whether the deposit (or transfer) transaction is normally processed by reading the transaction history information. (Or transaction approval confirming means) and the transaction approval for the deposit (or transfer) transaction, the payment amount included in the payment request information within the predetermined time within the affiliate cache system 3205 and account accounting system 3295 An information generation unit 3277 (or information generating means) for generating payment reservation information for payment processing through a remote account bridge between the two; (Or cache operating account) information storage unit 3280 (or information storage means) for storing in the account bridge D / B (3285) (or affiliate cache system 3205) by linking the information information withdrawal amount and payment reservation information And a customer approval confirmation unit 3283 confirming customer approval for processing the payment through the remote account bridge between the affiliate cash system 3205 and the account accounting system 3295 through the payment reservation information and the customer communication means. (Or customer approval confirming means), and when the transaction approval is not confirmed for the deposit (or transfer) transaction by the transaction approval confirming unit 3270, the transaction for the deposit (or transfer) transaction And a payment processing unit 3235 for processing transaction history information including unauthorized information as the account bridge-based payment history information and transmitting it to the customer communication means. It characterized.

The payment request information is received from the customer terminal 3297, and the validity of the non-face-to-face transaction for payment through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is verified, and the withdrawal amount is confirmed. When the account withdrawal amount information for the account bridge-based cache payment is confirmed by the unit 3240, the information transmission unit 3260 checks the customer account (or cache operating account) information included in the payment request information, Or check the customer account (or cache operating account) information in conjunction with the account bridge D / B (3285), and through the remote account bridge between the affiliate cache system 3205 and account accounting system (3295) Or the cash management account) information and the withdrawal amount information to the account relay server 3290 provided in the financial company.

Thereafter, the account relay server 3290 may withdraw the account withdrawal amount from the customer account bridged with the customer account (or a cash management account) through the account accounting system 3295 provided at the financial company, and thus the non-banking affiliate company. Deposit (or transfer) the funds in the fund management account, and transmit transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 3210, and in response, the history receiving unit 3265 transmits the accounting system ( 3295) the transaction history information corresponding to the deposit (or transfer) transaction.

If transaction history information including transaction approval information is received through the history receiver 3265, the transaction approval confirmation unit 3270 reads the transaction history information to check whether the deposit (or transfer) transaction has been processed normally. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction is normally processed, the information generation unit 3277 may transfer the payment amount included in the payment request information between the affiliate cache system 3205 and the account system 3295 within a predetermined time. It includes one or more transaction history information, reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, customer communication means information received through the history receiving unit 3265 to process payment through a remote account bridge And, according to the intention of those skilled in the art is characterized in that the payment reservation information (or the withdrawal amount information) included in the payment request information further comprises the partner information and purchase product information to generate payment reservation information.

Here, the transaction history information is the customer account (or cache operation) to process the payment amount included in the payment request information through a remote account bridge between the affiliate cache system 3205 and accounting system 3295 within a predetermined time period. Account) and the transaction details of withdrawing (or transferring) the withdrawal amount from the customer account bridged with the funds management account of the non-financial partner.

The reservation payment expiration date information includes one or more date information and time information when the reservation payment method of the reservation payment method expires after the prepayment, and after the reservation payment expiration date, the payment amount included in the payment request information It is desirable to process the payment to be automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. The payment processing via the remote account bridge between the affiliate cache system 3205 and the account accounting system 3295 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Preferably, payment processing via the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or created) or registered through an information registration procedure such as an account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 3200 (or affiliate cache system 3205). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When the payment reservation information is generated through the information generator 3277, the information storage unit 3280 is generated by the customer account (or cache operating account) information, the withdrawal amount information, and the information generator 3277. Linked payment reservation information is stored in the account bridge D / B (3285) (or affiliate cache system 3205).

According to another exemplary embodiment of the present invention, the information storage unit 3280 may process the transaction history information as a charge history for the charged amount information and store the transaction history information in the affiliate cache system 3205, thereby. The present invention is not limited.

The account storage D / B 3285 (or the affiliate cache system 3205) is linked to the account bridge D / B 3285 (or the affiliate cache system 3205) by the customer account (or cache operating account) information, the amount of the withdrawal information and the payment reservation information. When stored, the customer approval confirmation unit 3283 checks the reservation payment expiration date and time information included in the payment reservation information in connection with the account bridge D / B 3285 (or the affiliate cache system 3205). Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a reservation payment expiration date and including a password input interface for inputting and transmitting the customer approval password; Characterized in that the transmission to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirming unit 3283 is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to customer wireless terminal information, or Receive the customer approval password entered through the password input interface from the terminal receiving the mail, or a terminal using a messenger, and the received customer approval password and the account bridge D / B (3285) (or affiliate cache system ( 3205) to confirm the customer approval for processing the payment through the remote account bridge between the affiliate cash system (3205) and account accounting system (3295) compared to the customer approval password of the payment reservation information stored in do.

Referring to FIG. 32, the account bridge server 3210 is confirmed by the customer approval confirmation unit 3283 to confirm the customer approval for the reservation or by the automatic payment processing information included in the payment reservation information. If the reservation payment is automatically approved, check the customer account (or cache operating account) bridged with the customer account in conjunction with the account bridge D / B (3285), and the transaction history information included in the payment reservation information; A history processing unit 3273 (or a history processing means) for processing charges of a customer account (or a cash management account), a cash amount corresponding to the charge history and a cash corresponding to the customer account (or a cash management account); The cash balance processor 3275 (or the cash balance), which processes the cash amount corresponding to the customer account (or the cache operating account) by subtracting the payment amount from the sum of the balances. Processing means), and when the transaction approval is confirmed by the transaction approval confirmation unit 3270 for a deposit (or transfer) transaction, the cash balance is processed in association with the affiliate cache system 3205. A payment processing unit 3235 which generates payment history for a corresponding account bridge based cache payment and applies it to the affiliate cache system 3205 and transmits the generated account bridge based payment history information to the customer communication means. Characterized in that made.

When the customer approval for the reservation payment is confirmed by the customer approval confirmation unit 3283, or when the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, the details processing unit 3273 Check the customer account (or cache operating account) bridged with the customer account in conjunction with the account bridge D / B (3285), and the transaction history information included in the payment reservation information to the customer account (or cache operating account) Characterized in that the processing to be stored in the charge history.

The cash balance processor 3275 subtracts the payment amount from the sum of the amount of the account withdrawal amount corresponding to the charging history and the cash balance corresponding to the customer account (or the cash management account), and then subtracts the deducted amount. It is characterized in that it is applied to the account bridge D / B (3285) (or affiliate cache system 3205) by processing the cash balance corresponding to the customer account (or cache operating account).

When the transaction approval for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 3270, the payment processing unit 3235 is linked with the affiliate cache system 3205 to bridge the account corresponding to the cache balance processing. It generates a payment history for the base cache payment and apply to the affiliate cache system 3205, and transmits the generated account bridge-based payment history information to the customer communication means.

If the reservation payment is not approved until the reservation payment expiration date or canceled by the customer, the payment processing unit 3235 transfers the transaction history information to a customer account (or a cash management account) through the affiliate cache system 3205. Characterized in that the processing to be stored by processing the refund history, characterized in that for transmitting the refund history information to the customer communication means.

33 is a diagram illustrating a remote account bridge based reservation payment request process between the affiliate cache system 3205 and the account system 3295 according to the third embodiment of the present invention.

In more detail, FIG. 33 illustrates that a customer terminal 3297 accesses an affiliate server 3200 having an affiliate cache system 3205, purchases one or more types or intangible products, and purchases a purchase price for the purchased product. When the payment request is made through the affiliate cache system 3205, the account bridge server 3210 shown in FIG. 32 provides the account bridge based cache payment interface for the account bridge based cache payment from the account bridge server 3210 to the customer terminal 3297. And, it is a process for inputting (or selecting) the payment request information through the account bridge-based cache payment interface in the customer terminal (3297), if one of ordinary skill in the art to which the present invention belongs 33 and / or modification of the remote account bridge based reservation payment between the affiliate cache system 3205 and the accounting system 3295 with reference to FIG. Would be able to infer a variety of exemplary methods for the blue course, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 33.

33, the customer terminal 3297 shown in FIG. 32 is referred to as " terminal " for convenience, and the account bridge server 3210 is referred to as " server "

Referring to FIG. 33, the terminal accesses an affiliate server 3200 having an affiliate cache system 3205 to purchase one or more tangible or intangible products, and purchases the purchase price for the purchased product from the affiliate cache system. When requesting payment through 3205 (3300), the server correspondingly connects the communication channel with the terminal and generates an account bridge based cache payment interface to provide to the terminal for the account bridge based cache payment (3305).

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 3297 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 33 will be omitted for convenience.

Here, the account bridge-based cache payment interface is preferably made to include the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 3205, and displays the payment amount corresponding to the purchase price And, it is preferable to further display the customer account (or cache operating account) information for the cash balance, it is preferable to further comprise the shopping cart information for the purchase goods according to the intention of the skilled person.

In addition, the account bridge-based cache payment interface, if there is not enough cash balance to process the payment amount, the customer account (or cache operating account) provided in the affiliate cache system 3205, the customer account (or cache operation) It is preferable to further include a withdrawal amount input interface for inputting the withdrawal amount information for processing the payment amount by replacing (or relaying) with a customer account bridged with the account); The interface preferably displays the recommended withdrawal amount information.

In addition, the account bridge-based cache payment interface to pay the amount of payment through a remote account bridge between the affiliate cache system 3205 and account accounting system 3295, or to cache the affiliate cache system 3205 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of the customer account bridged with the account (or the cash management account). It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transaction in connection with the non-face-to-face authentication system (3293) provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 3293 provided in the financial company, registers the customer wireless terminal information for non-face-to-face authentication based on one non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

In addition, the account bridge-based cash payment interface further includes a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (eg, withdrawal payment after advance reservation or reservation payment after advance payment). It is preferable to comprise.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

When the account bridge based cache payment interface is generated (or extracted), the server checks the cache balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 3205 and corresponds to the cache balance information. The amount of money is compared with the payment amount to check the validity (eg, insufficient cash balance) to process the payment amount through the cash balance (3310).

If the cache payment validity is confirmed (3315), the server in association with the affiliate cache system 3205 to process the payment amount through the cash balance (3320), correspondingly the affiliate cache system ( 3205 preferably provides a cash payment interface to the customer terminal 3297 to process the payment amount through the cash balance.

Those skilled in the art will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience. .

On the other hand, if the validity of the cache payment is not verified (3315), the server stores the customer account (or cache operating account) provided in the affiliate cache system 3205 in the account bridge-based cache payment interface to the customer account (or cache operation). A withdrawal amount input interface for inputting withdrawal amount information for processing the settlement amount by payment (transferring) by replacing (or relaying) with a customer account bridged with an account) (3325); After checking the recommended withdrawal amount for the bridged customer account and the confirmed withdrawal amount information and the cash balance information corresponding to the customer account (or the cache operating account), the account bridge-based cache payment interface is included. An account with the withdrawal amount input interface (3325) and including the withdrawal amount input interface; The bridge-based cache payment interface is transmitted to the terminal (3330).

According to an embodiment of the present invention, the account bridge-based cache payment interface may include the cash balance information, payment amount information corresponding to the purchase price, customer account (or cache operating account) information on the cash balance, and the purchase product. It is preferable to display at least one shopping cart information.

The terminal provided with the account bridge based cache payment interface receives a customer account (or a cache operating account) included in the affiliate cache system 3205 through the withdrawal amount input interface included in the account bridge based cache payment interface. (Or cache) a customer account bridged with the cash management account (or a relay) to check whether an account withdrawal amount for payment processing of the payment amount is input through an account transfer method (3335).

Here, the account withdrawal amount information, by replacing (or relaying) a customer account (or a cash management account) provided in the affiliate cache system (3205) with a customer account bridged with the customer account (or cash management account) It is preferable to include an amount to be withdrawn from the customer account in order to process the payment amount by the transfer method.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

If the withdrawal amount is input through the withdrawal amount input interface included in the account bridge based cache payment interface (3340), the terminal checks whether the account bridge based cache payment is requested through the account bridge based cache payment interface. In operation 3355, if the account bridge based cache payment is requested 3350, payment request information is transmitted to the server through the account bridge based cache payment interface (3355).

According to an embodiment of the present invention, the payment request information includes one or more customer account (or cache operating account) information, payment amount information, account withdrawal amount information, and affiliate information for operating the affiliate cache system 3205. It is preferable to be made, and the purchase method information, payment method selection information through the payment method selection interface may be further included according to the intention of those skilled in the art.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 3205 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cash management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 3205, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 3297 by accessing the affiliate server 3200, and the payment amount information is used for cache-based payment processing. Preferably, the affiliate cache system 3205 includes cache information corresponding to a currency unit.

The account withdrawal amount information, the account transfer method by replacing (or relaying) a customer account (or a cash management account) provided in the affiliate cache system (3205) with a customer account bridged with the customer account (or cash management account) It is preferable that the amount to be withdrawn from the customer account in order to process the payment amount.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

Preferably, the affiliate information includes affiliate identification information corresponding to the affiliate server 3200 that operates the affiliate cache system 3205.

34 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache payment between the affiliate cache system 3205 and the account system 3295 according to the third embodiment of the present invention.

In more detail, in FIG. 34, an account bridge based cache payment interface is provided to the customer terminal 3297 or an account bridge from the customer terminal 3297 through the account bridge based cache payment request process shown in FIG. 33. After the payment request information is transmitted through the based cache payment interface, the remote account bridge based cache between the affiliate cache system 3205 and the account system 3295 based on the non-face authentication interface included in the account bridge based cache payment interface. As a process for confirming the validity of non-face-to-face transactions for payment, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 34 and the affiliate cache system 3205 and the account system. (3295) Non-face-to-face transaction validation for remote account bridge-based reservation payments and Various implementation methods for the definition may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

34, the customer terminal 3297 shown in FIG. 32 is referred to as " terminal " for convenience, and the account bridge server 3210 is referred to as " server "

Referring to FIG. 34, an account bridge based cache payment interface is provided to the customer terminal 3297 through the account bridge based cache payment request process shown in FIG. 33, or the account bridge based from the customer terminal 3297. After the payment request information is transmitted through the cache payment interface, the terminal uses the non-face-to-face authentication interface included in the account bridge based cache payment interface to establish a remote account bridge based between the affiliate cache system 3205 and the account system 3295. In operation 3400, the non-face-to-face authentication information for checking the validity of the non-face-to-face transaction for cash payment is input.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system (3293) provided in the financial company opened the customer account, authentication certificate-based authentication information, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered based on one non-face-to-face transaction authentication through the non-face-to-face authentication system 3293 provided at the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 3205 (or the account bridge system).

If the non-face-to-face authentication information for confirming the validity of the face-to-face transaction for the remote account bridge-based cache payment between the affiliate cache system 3205 and the account system 3295 is input through the face-to-face authentication interface (3405), The terminal transmits the input non-face-to-face authentication information to the server through the non-face-to-face authentication interface (3410).

When the non-face-to-face authentication information includes one or more encryption / decryption-based authentication information, authorized certificate-based authentication information, one-time password, transaction password, and account password according to an embodiment of the present invention, the non-face-to-face authentication information is the above. It is possible to be transmitted directly to the non-face-to-face authentication system 3293 of the financial company, whereby the present invention is not limited.

Thereafter, the server pays the payment amount through a remote account bridge between the affiliate cache system 3205 and the account accounting system 3295 through the received non-face-to-face authentication information, or of the affiliate cache system 3205. The cache is replaced (or relayed) with the balance of the customer account bridged with the customer account (or cache operating account) to verify the non-face-to-face transaction validity for paying the payment amount (3415).

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 3293 included in the financial company is received according to an embodiment of the present invention, the server may provide the non-face-to-face authentication information to the financial company. The payment amount through the remote account bridge between the affiliate cache system 3205 and the account accounting system 3295, or the cache of the affiliate cache system 3205 is stored in the customer account (3293). Or by replacing (or relaying) the balance of the customer account bridged with the cash management account) and authenticating the non-face-to-face transaction validity for payment of the payment amount.

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using a wireless authentication means using the customer wireless terminal information, the server generates a random authentication number and transmits it to the customer wireless terminal. Receiving the authentication number entered through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal and the received authentication number to the affiliate cache system (3205) Payment of the payment amount via a remote account bridge between the account system 3295 or replacing the cache of the affiliate cache system 3205 with the balance of the customer account bridged with the customer account (or cache operating account) ( Or relay) to authenticate the non-face-to-face transaction validity of the payment amount.

According to another exemplary embodiment of the present invention, when non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 3205 (or the account bridge system) is received, the server provides the non-face-to-face authentication information. Comparing the ID / PW information stored in the member information D / B (not shown) to settle the payment amount through a remote account bridge between the affiliate cache system 3205 and the account system 3295, or the affiliate cache It is desirable to replace (or relay) the cache of the system 3205 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for payment of the payment amount.

If the non-face-to-face transaction validity for the account bridge based cache payment is not confirmed through the non-face-to-face authentication information (3420), the server transmits non-face-to-face authentication error information to the terminal through the communication channel (3425). .

On the other hand, if the non-face-to-face transaction validity for the account bridge-based cache payment is confirmed through the non-face-to-face authentication information (3420), the server transmits the non-face-to-face authentication result information to the terminal through the communication channel (3430).

35A and 35B illustrate a cash payment process of a withdrawal payment method after advance reservation through a remote account bridge between an affiliate cache system 3205 and an account system 3295 according to a third exemplary embodiment of the present invention.

In more detail, FIGS. 35A and 35B illustrate that an account bridge based cache payment interface is provided to the customer terminal 3297 through the account bridge based cache payment request process shown in FIG. When requesting an account bridge-based cache payment through an account bridge-based cache payment interface and validating the non-face-to-face transaction for the account bridge-based cache payment through the non-face-to-face transaction validation process shown in FIG. 34, the diagram 32 The account bridge server 3210 shown in FIG. 3 generates payment reservation information for the payment request and stores it in the account bridge D / B 3285 (or the affiliate cache system 3205), and then accepts the customer for the payment reservation. (Or automatic approval) in connection with the account relay server 3290 provided in the financial institution, affiliate cash system 3205 and account system The process of processing payment through the affiliate cache system 3205 by remotely bridging the 3295, and those skilled in the art to which the present invention pertains, will refer to FIGS. 35a and 35b. And / or may be modified to infer various implementation methods for the cash payment process of the withdrawal payment method after the pre-booking through the remote account bridge between the affiliate cache system 3205 and the account system 3295. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 35A and 35B.

For example, those of ordinary skill in the art to which the present invention pertains, with reference to the drawings 35a and 35b instant cash payment process (eg, payment reservation information generation and storage process and customer approval confirmation process is omitted) Process) can be inferred, and the present invention is characterized in that it comprises all the possible inference method.

In the following Figures 35a and 35b, the customer terminal 3297 shown in Figure 32 is referred to as "terminal" for convenience, and the account bridge server 3210 is referred to as "server" for convenience.

Referring to FIGS. 35A and 35B, the client terminal 3297 requests an account bridge based cache payment through the account bridge based cache payment request process illustrated in FIG. 33, and the non-face-to-face transaction validity illustrated in FIG. 34. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated through the verification process, the server checks whether the account bridge based cache payment of the withdrawal payment method is requested from the terminal (3500).

If a payment method other than the account bridge-based cache payment of the withdrawal payment method is requested from the terminal (eg, a withdrawal payment method or an immediate payment method), the server corresponds to the requested payment method. It is desirable to process the payment.

If an account bridge based cache payment request of the withdrawal payment method is confirmed after the pre-booking (3505), the server generates payment reservation information for the account bridge based cache payment of the withdrawal payment method after the pre-booking (3510).

According to an embodiment of the present invention, the payment reservation information includes one or more reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, and customer communication means information. Preferably, the information further includes payment amount information (or the account withdrawal amount information), affiliate information, and purchase product information.

Here, the reservation payment expiration date and time information includes one or more date information and time information when the reservation payment of the withdrawal payment method expires after the pre-booking, and the payment amount included in the payment request information after the reservation payment expiration date and time. It is preferable that the payment processing for is automatically canceled or processed so as to be automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing via the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Preferably, payment processing via the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or created) or registered through an information registration procedure such as an account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 3200 (or affiliate cache system 3205). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When the payment reservation information is generated, the server associates the customer account (or cash management account) information with the account withdrawal amount information and the generated payment reservation information to form an account bridge D / B 3285 (or an affiliate cache system ( 3205) (3515).

Thereafter, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) and before the reservation payment expiration date and time. Check the customer approval for the reservation payment at least once through the payment reservation information (3520).

According to an embodiment of the present invention, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205), and makes the reservation. Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a payment expiration date and including a password input interface for inputting and transmitting the customer approval password; It is preferable to transmit to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the server is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to the customer wireless terminal information, or a terminal receiving mail; Or a terminal using a messenger) and receives a customer approval password input through the password input interface, and stores the received customer approval password and the payment stored in the account bridge D / B 3285 (or affiliate cache system 3205). It is preferable to confirm the customer approval for processing the payment through the remote account bridge between the affiliate cash system 3205 and the account accounting system 3295 compared to the customer approval password of the reservation information.

If the customer approval of the reservation payment is not confirmed (3525), the server is linked with the account bridge D / B (3285) (or affiliate cache system 3205), the reservation payment expiration date and time included in the payment reservation information (3530), and if the reservation expiration date and time has passed (3535), it is included in the payment reservation information in association with the account bridge D / B (3285) (or affiliate cache system 3205) The automatic payment processing information is read to confirm automatic cancellation or automatic approval of the reservation payment (3540).

If the automatic cancellation for the reservation payment is confirmed (3545), the server processes the payment cancellation information for the automatic cancellation by the affiliate cache system 3205 as payment history information (that is, including payment cancellation information). Payment details) and transmits the payment details information to the customer communication means (3555).

On the other hand, if the customer approval of the reservation payment is confirmed (3525) or the automatic approval of the reservation payment is confirmed (3545), the server establishes a remote account bridge between the affiliate cache system 3205 and the accounting system 3295. The customer account (or cache operating account) information and the withdrawal amount information are transmitted to the account relay server 3290 provided at the financial institution (3560).

Thereafter, the server checks whether transaction details information regarding the account withdrawal amount information is received from the account relay server 3290 provided in the financial company (3565).

If transaction history information on the account withdrawal amount information is received from the account relay server 3290 (3570), the server reads the transaction history information and checks whether the transaction is approved (3575).

If the transaction result of the transaction confirmation information is not confirmed (3580), the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system (3205) (3585). In operation 3596, payment history information regarding the account bridge-based cache payment is transmitted to the terminal.

On the other hand, if the transaction approval of the transaction history information is confirmed (3580), the server processes the transaction history information as the charging history of the affiliate cache system (3205) and applies (3590), the charge history The amount obtained by subtracting the payment amount from the sum of the corresponding withdrawal amount and the cash balance corresponding to the customer account (or the cash management account) is processed as the new cash balance corresponding to the customer account (or the cash management account). The processing to apply to the account bridge D / B (3285) (or affiliate cache system 3205) (3592), in conjunction with the affiliate cache system 3205 account bridge based cache corresponding to the cache balance processing Generate payment history for the payment (3594), and transmits and outputs the payment history information for the account bridge-based cache payment to the customer communication means (3596).

36A and 36B illustrate a cash payment process of a reservation payment method after a prepayment through a remote account bridge between an affiliate cache system 3205 and an account system 3295 according to a third embodiment of the present invention.

In more detail, FIGS. 36A and 36B illustrate that an account bridge based cache payment interface is provided to the customer terminal 3297 through the account bridge based cache payment request process shown in FIG. When requesting an account bridge-based cache payment through an account bridge-based cache payment interface and validating the non-face-to-face transaction for the account bridge-based cache payment through the non-face-to-face transaction validation process shown in FIG. 34, the diagram 32 In the account bridge server 3210 shown in FIG. 3, the affiliate cashing system 3205 and the account accounting system 3295 are remotely linked with the account relay server 3290 provided at a financial institution to withdraw funds from the customer account. After depositing (or transferring) to the operating account, the payment reservation information for the payment request is generated to bridge the account Stored in the D / B 3285 (or affiliate cache system 3205) and processing payment through the affiliate cache system 3205 based on the customer approval (or automatic approval) for the payment reservation. For example, those skilled in the art may refer to and / or modify the drawings 36a and 36b to establish a remote account bridge between the affiliate cache system 3205 and the accounting system 3295. Various implementation methods may be inferred for the cash payment process of the reservation payment method after the withdrawal through the present invention, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 36A and 36B. No.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may immediately omit a cash payment process (eg, payment reservation information generation and storage process and customer approval process) of an instant payment method with reference to FIGS. 36a and 36b. Process) can be inferred, and the present invention is characterized in that it comprises all the possible inference method.

In the following Figures 36a and 36b, the customer terminal 3297 shown in Figure 32 is referred to as "terminal" for convenience, and the account bridge server 3210 is referred to as "server" for convenience.

Referring to FIGS. 36A and 36B, the client terminal 3297 requests an account bridge based cache payment through the account bridge based cache payment request process illustrated in FIG. 33, and the non-face-to-face transaction validity illustrated in FIG. 34. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated through the checking process, the server checks whether the account bridge based cache payment of the reservation payment method is requested from the terminal (3600).

If a payment method other than the account bridge-based cash payment of the reservation payment method after the withdrawal is requested from the terminal (eg, a withdrawal payment method after the pre-booking or an immediate payment method), the server corresponds to the requested payment method. It is desirable to process the payment.

If the account bridge-based cache payment request of the reservation payment method after the prepayment is confirmed (3605), the server via the remote account bridge between the affiliate cache system 3205 and account accounting system (3295) the customer account (or cache) Operation account) information and account withdrawal amount information is transmitted to the account relay server 3290 provided in the financial company (3610).

Thereafter, the server checks whether the transaction history information for the account withdrawal amount information is received from the account relay server 3290 provided in the financial company (3615).

If transaction history information on the account withdrawal amount information is received from the account relay server 3290 (3670), the server reads the transaction history information and checks whether the transaction is approved (3625).

If the confirmation result does not confirm the transaction approval for the transaction information (3630), the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system (3205) (3635). In operation 3640, the payment history information for the account bridge based cache payment is transmitted to the terminal.

On the other hand, if the transaction approval of the transaction history information is confirmed (3630), the server generates payment reservation information for the account bridge-based cache payment of the reservation payment method after the prepayment (3645).

According to an embodiment of the present invention, the payment reservation information includes one or more reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, and customer communication means information. Preferably, the information further includes payment amount information (or the account withdrawal amount information), affiliate information, and purchase product information.

Here, the reservation payment expiration date information includes one or more date information and time information when the reservation payment method of the reservation payment method expires after the prepayment, and the payment amount included in the payment request information after the reservation payment expiration date and time. It is preferable that the payment processing for is automatically canceled or processed so as to be automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving payment processing for the payment amount included in the payment request information after the reservation payment expiration date and time.

If automatic cancellation is set after a reservation payment expiration date and time through the automatic payment setting information according to an embodiment of the present invention, the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Payment processing via the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is preferably canceled automatically.

According to an exemplary embodiment of the present invention, when automatic approval is set after a reservation payment expiration date through the automatic payment setting information, even if the customer approval through the customer approval password is not confirmed until the reservation payment expiration date included in the payment reservation information. Preferably, payment processing via the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically processed and approved.

The payment instruction information may include an identification number (or unique code) for identifying a reservation payment for a payment amount included in the payment request information among a plurality of reservation payments or for a reservation payment for acquiring a customer approval through customer communication means. It is preferable to comprise).

The customer approval password is a password registered to confirm customer approval for the reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time, and the customer approval password is registered in the form of a one-time password at each reservation payment time. (Or created) or registered through an information registration procedure such as an account registration system shown in FIG. 2, or a password of member information registered in the affiliate server 3200 (or affiliate cache system 3205). It is preferable to use.

The customer communication means information is information for transmitting customer approval request information (or message) to the customer to confirm the customer approval for the payment processing, and is registered through the account registration system shown in FIG. It is preferable that the terminal information is included, and at least one information for receiving customer approval request information (or a message), such as customer mail address information, messenger account information, etc., according to the intention of a person skilled in the art.

When the payment reservation information is generated, the server associates the customer account (or cash management account) information with the account withdrawal amount information and the generated payment reservation information to form an account bridge D / B 3285 (or an affiliate cache system ( 3205) (3650).

Thereafter, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) and before the reservation payment expiration date and time. The customer approval of the reservation payment is confirmed at least once through the payment reservation information (3655).

According to an embodiment of the present invention, the server checks the reservation payment expiration date and time information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205), and makes the reservation. Generating customer approval request information (or message) including payment instruction information included in the payment reservation information at least once before a payment expiration date and including a password input interface for inputting and transmitting the customer approval password; It is preferable to transmit to the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) is a callback for providing a wireless page for inputting a customer approval password to the payment instruction information and the customer wireless terminal. It is preferable to include a wireless message including the UAL.

Alternatively, when the customer communication means information includes the customer e-mail address information, the customer approval request information (or message) includes a web page for inputting a customer approval password to a terminal of a customer who checks the payment instruction information and the mail. It is preferable to include a mail including a link address for providing (or directly including a password input interface for inputting and transmitting the customer approval password).

According to an embodiment of the present invention, the customer approval request information (or message) may further include one or more payment amount information, affiliate information (eg, shopping mall information, etc.) and purchase product information included in the payment reservation information. desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the server is a terminal corresponding to the customer communication means (for example, a wireless terminal corresponding to the customer wireless terminal information, or a terminal receiving mail; Or a terminal using a messenger) and receives a customer approval password input through the password input interface, and stores the received customer approval password and the payment stored in the account bridge D / B 3285 (or affiliate cache system 3205). It is preferable to confirm the customer approval for processing the payment through the remote account bridge between the affiliate cash system 3205 and the account accounting system 3295 compared to the customer approval password of the reservation information.

If the customer approval for the reservation payment is not confirmed (3660), the server is linked with the account bridge D / B (3285) (or affiliate cache system 3205), the reservation payment expiration date and time included in the payment reservation information Check whether the elapsed time (3665), and if the reservation payment expiration date (3670) elapsed (3670), in conjunction with the account bridge D / B (3285) (or affiliate cache system 3205) included in the payment reservation information The automatic payment processing information is read to confirm automatic cancellation or automatic approval of the reservation payment (3675).

If the automatic cancellation of the reservation payment is confirmed (3680), the server processes the transaction history information included in the payment reservation information in response to the automatic cancellation as the refund history of the affiliate cache system 3205 (3682). The refund history information is transmitted to the customer communication means (3684).

On the other hand, if the customer approval of the reservation payment is confirmed (3660), or the automatic approval of the reservation payment is confirmed (3680), the server is the account bridge D / B (3285) (or affiliate cache system 3205) Check the transaction history information included in the payment reservation information in connection with (3686), process the transaction history information as the charging history of the affiliate cache system (3205), and apply (3688) the corresponding transaction details. The amount obtained by subtracting the payment amount from the sum of the account withdrawal amount and the cash balance corresponding to the customer account (or the cash management account) is treated as the new cash balance corresponding to the customer account (or the cash management account). Process to apply to the account bridge D / B 3285 (or affiliate cache system 3205) (3690), and in conjunction with the affiliate cache system 3205, an account corresponding to the cache balance processing; Generating a payment history of the ridge and billing based cache (3692), and transmits and outputs the billing history information for the payment to the customer account based cache bridge communication means (3694).

FIG. 37 illustrates a remote account bridge based cache payment system between an account system 3765 and an affiliate cache system 3705 according to a third embodiment of the present invention.

In more detail, Figure 37 is connected to the affiliate server 3700 with the affiliate cache system 3705 in the customer terminal 3770 to purchase one or more types or intangible goods, and the purchase price for the purchased product If the account bridge server 3710 illustrated in FIG. 28 or 32 transmits the customer account (or cache operating account) information and the account withdrawal amount information by requesting payment through the affiliate cache system 3705, Check the customer account (or cash management account) information and the bridged customer account information, and configure the transaction request text to withdraw (or transfer) the withdrawal amount from the customer account and transfer (or transfer) the funds to the partner's fund management account. Provided to the account system 3765 to withdraw the account withdrawal amount from the customer account and deposit (or transfer) to the fund management account of the affiliated company The present invention relates to a system configuration for transmitting transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 3710 after processing a financial transaction, and having ordinary knowledge in the art to which the present invention pertains. It will be possible to infer various implementation methods for configuring a remote account bridge-based cache payment system between the account system 3765 and the affiliate cache system 3705 by referring to and / or modifying the drawing 37. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Referring to FIG. 37 according to an embodiment of the present invention, a remote account bridge-based cache payment system between the account system 3765 and the affiliate cache system 3705 includes one or more browser programs, and through the browser program. One or more types or intangibles of the customer terminal 3770 connected to a communication network and the customer terminal 3770 through the communication network, and when connected to the customer terminal 3770 from the customer terminal 3770 through the communication network. Cache-based payment for a payment amount of a product sold by the affiliate server 3700 based on the funds deposited in the partner's server 3700 selling non-financial partner affiliates opened at a financial institution The affiliate cache system 3705 and the purchase price for the purchased product in the customer terminal 3770 are processed through the affiliate cache system 3705. If the payment request is made, the customer terminal 3770 includes an account bridge based cache payment interface for account bridge based cache payment, and the payment request information through the account bridge based cache payment interface at the customer terminal 3770. If the user inputs (or selects) and transmits, the account bridge server 3710 which transmits the customer account (or cache operating account) information and the withdrawal amount information to the account relay server 3720 provided at the financial institution through the payment request information. (= Functional name of the account bridge system), the customer account (or cache operating account) information and the bridged customer account information is confirmed, withdraw the account withdrawal amount from the customer account and deposits it into the fund management account of the affiliated company. (Or transfer) a full transaction request to the accounting system 3765 by configuring and providing the Withdraw the amount of account withdrawal, process the financial transaction to deposit (or transfer) to the partner's fund management account, and then transfer the transaction details corresponding to the deposit (or transfer) transaction to the account bridge server 3710. And a relay server 3720 (= functional name of the account relay system), and an account system 3765 that manages a fund management account of the non-financial partner and one or more customer accounts.

However, in FIG. 37, the account relay server 3720 is shown as one server for convenience. However, the present invention is not limited thereto, and the account relay server 3720 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account relay server 3720 corresponds to the functional name of the account relay system shown in FIG. 1 and is not limited to the physical name.

The client terminal 3770, the affiliate server 3700, the affiliate cache system 3705, and the account bridge server 3710 will refer to the contents shown in FIG. 28 or 32, and detailed descriptions thereof will be given in FIG. Description will be omitted for convenience.

According to an embodiment of the present invention, the account relay server 3720 stores the affiliate information, the customer account (or cache operating account) information, and the customer account information registered through the account registration system shown in FIG. It is preferable to have an account relay D / B (3760) for storing the customer personal information and the customer wireless terminal information in association with one or more, or to interwork through a network, the account relay D / B (3760) is the Non-financial partner's fund management account information is further linked and stored, or the customer account balance information for the customer account bridged with the customer account (or cache operating account) is further linked or stored, or the customer account (or cash management) Account) and recommended withdrawal amount information and withdrawal limit amount information corresponding to the remotely bridged customer account information are preferably stored in association with each other. The.

Here, the money management account information is account information in the name of a non-financial partner operating the funds of the affiliate cash system 3705, and the money management account is preferably opened in the account system 3765.

According to another exemplary embodiment of the present invention, the fund management account may be opened in the external account system 3765, and the present invention is not limited thereto.

The customer account balance information may include a balance amount of a customer account opened in the account system 3765, and the account relay server 3720 may link the account balance with the account system 3765. It is desirable to update the customer account balance periodically (or in response to a customer account balance change event through the accounting system 3765).

If the account relay server 3720 inquires in real time the customer account balance information in connection with the account accounting system 3765, the cash balance information in the account relay D / B 3760 can be omitted, thereby The present invention is not limited.

The recommended withdrawal amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner pays the payment amount using the affiliate cash system 3705. It is preferable to include the amount set to deposit (or transfer) to the fund management account, it can be omitted according to the intention of those skilled in the art.

The charging limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 3705. As the limit amount to be deposited (or transferred) into the fund management account, it is preferable that the charge limit amount includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

Referring to FIG. 37, when the account relay server 3720 transmits customer account (or cache operating account) information and account withdrawal amount information from the account bridge server 3710 illustrated in FIG. 28 or 32, An information receiving unit 3725 (or information receiving means) for receiving customer account (or cache operating account) information and account withdrawal amount information, and the customer account (or cache operating account) information is received. An account verification unit 3730 (or an account verification means) for verifying the customer account information bridged with the operation account information and confirming the funds management account information of the affiliated partner associated with the customer account (or cache operation account) information; A full text generation unit 3740 (or full text generation means) for generating a full text of a transaction request for withdrawing (or transferring) the account withdrawal amount from the customer account and depositing (or transferring) the funds to the partner's money management account; A transaction processing unit 3475 (or a transaction) for providing a full request to the account system 3765 to process a financial transaction to withdraw (or transfer) the account withdrawal amount from the customer account to the fund management account of the affiliated company; Processing means), a history generating unit 3750 (or history generating means) for generating transaction details corresponding to the deposit (or transfer) transaction based on the transaction result information confirmed by the accounting system 3765; And a history transmission unit 3755 (or a history transmission means) for transmitting the generated transaction history information to the account bridge server 3710, wherein the customer account (or cache operating account) information and the bridge are provided. It is preferable to further comprise a transaction validity verification unit 3735 (or a transaction validity confirming means) for confirming the validity of the transaction for the customer account.

When the account bridge server 3710 shown in FIG. 28 or 32 transmits the customer account (or cache operating account) information and the account withdrawal amount information for the account bridge-based payment processing, the information receiving unit 3725 receives the information. And receiving the customer account (or cache operating account) information and the account withdrawal amount information from an account bridge server 3710, wherein the information receiving unit 3725 is an external system provided to the financial company or the external system. It is preferable to receive the customer account (or cash management account) information and withdrawal amount information in connection with.

According to an exemplary embodiment of the present invention, the information receiving unit 3725 includes the customer account (or cache operating account) information and an account withdrawal amount through a communication network connecting the account bridge server 3710 and the account relay server 3720. It is desirable to receive the information.

According to another exemplary embodiment of the present invention, the information receiving unit 3725 may perform the customer account (or cache operating account) via the gateway 3715 relaying the account bridge server 3710 and the account relay server 3720. It is possible to receive information and account withdrawal amount information, whereby the present invention is not limited.

Here, the customer account information is a customer for identifying the amount deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system (3705) Preferably, the identification number includes member ID information of the customer.

Alternatively, the cache operation account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 3705, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The account withdrawal amount information includes an amount of money to be withdrawn (or transferred) from the customer account bridged with the customer account (or a cash management account) for the account bridge-based payment processing, and to the funds management account of the affiliated company. desirable.

According to an embodiment of the present invention, the account bridge server 3710 shown in FIG. 28 or 32 is identified through the non-face-to-face authentication system of the financial institution for account bridge-based payment processing, or by using customer wireless terminal information. Preferably, the non-face-to-face authentication result information confirmed through the wireless authentication means is further transmitted. In this case, the information receiving unit 3725 may further receive the non-face-to-face authentication result information from the account bridge server 3710. .

According to an embodiment of the present invention, the account bridge server 3710 shown in FIG. 28 or 32 may further transmit non-face-to-face authentication information received from the customer terminal 3770 for account bridge based payment processing. In this case, the information receiving unit 3725 preferably receives the non-face-to-face authentication information, and the transaction validity checking unit 3735 is connected to the non-face-to-face authentication system of the financial company through the non-face-to-face authentication information. It is desirable to verify transaction validity for account bridge based payment processing.

According to an embodiment of the present invention, the account bridge server 3710 illustrated in FIG. 28 or 32 may transmit only the customer account (or cache operating account) information for account bridge-based payment processing. The information receiving unit 3725 may receive the customer account (or cache operating account) information from the account bridge server 3710, and the account checking unit 3730 may provide the customer account (or cache operating account) information. It is preferable to check the customer account information bridged with, and the account relay server 3720 checks one or more of the customer account balance information, recommended withdrawal amount information, withdrawal limit amount information for the customer account information to the account bridge server It is preferable to further include an information transmitting unit for transmitting to (3710).

When the customer account (or cache operating account) information and the account withdrawal amount information are received through the information receiving unit 3725, the account checking unit 3730 is connected with the account relay D / B 3760 to the customer account. (Or a cash management account) information and bridge the customer account information is characterized in that it is confirmed.

In addition, the account verification unit 3730 checks the partner information associated with the customer account (or cache operating account) information in connection with the account relay D / B (3760), and the affiliated company associated with the affiliate information It is characterized by checking the information of the fund management account.

When the customer account information is confirmed through the account verification unit 3730, the transaction validity verification unit 3735 is connected to the account relay D / B 3760 (or an account system 3765 in which the customer account is opened). The client account balance is checked in association with each other, and when the account balance is greater than the account withdrawal amount by comparing the account withdrawal amount information and the customer account balance, the transaction validity is confirmed.

In addition, the transaction validity verification unit 3735 checks the withdrawal limit amount information for the customer account in connection with the account relay D / B (3760), and compares the withdrawal amount information and the withdrawal limit amount If the withdrawal amount is greater than the withdrawal amount, the transaction is considered to be valid.

When the non-face-to-face authentication result information is received from the account bridge server 3710 through the information receiving unit 3725 according to an embodiment of the present invention, the transaction validity checking unit 3735 reads the non-face-to-face authentication result information. It is desirable to confirm the transaction validity for the account bridge based payment processing.

Alternatively, when non-face-to-face authentication information is received through the information receiving unit 3725, the transaction validity checking unit 3735 may perform the account bridge-based payment processing through the non-face-to-face authentication information in association with the non-face-to-face authentication system of the financial company. It is advisable to check the validity of the transaction for.

When the customer account information bridged with the customer account (or cache operating account) is confirmed through the account verification unit 3730, and the fund management account information of the affiliated company is confirmed, the professional generation unit 3740 may be configured as the customer account. And withdraw the amount of the account withdrawal from the account to constitute a transaction request message for depositing (or transferring) the funds to the partner's fund management account, wherein the transaction request message includes a specialized structure recognizable by the account system 3765. It is preferable to make it.

Those skilled in the art to which the present invention pertains, because they will be familiar with the specialized structure defined in the accounting system for each financial company (3765), detailed description thereof will be omitted for convenience.

When the transaction request message is configured through the message generation unit 3740, the transaction processing unit 3475 provides the transaction request message to the account system 3765 to withdraw the account withdrawal amount from the customer account. Characterized in that the financial transaction to deposit (or transfer) to the partner's fund management account is processed, characterized in that for receiving the transaction result information corresponding to the full transaction request from the account system (3765).

The history generator 3750 may generate transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information checked from the account system 3765.

In this case, the transaction history information preferably includes an information structure that can be easily changed (or replaced) with the charge history information included in the affiliate cache system 3705 bridged remotely with the account system 3765.

For example, when the account relay server 3720 interlocks with an account bridge server 3710 associated with two or more affiliate cache systems 3705, the history generator 3750 may correspond to the customer. It is possible to check the account bridge server 3710 and the affiliate cache system 3705 that have transmitted the account (or cache operating account) information, and to easily change (or replace) the charge history information for the confirmed affiliate cache system 3705. It is preferable to generate transaction history information including the information structure.

When the transaction history information is generated, the history transmission unit 3555 transmits the generated transaction history information to the account bridge server 3710, and correspondingly, the account bridge server 3710 It is preferable to receive the transaction history information, process the received transaction history information as the charging history of the affiliate cache system 3705 and apply it to the affiliate cache system 3705.

38 is a diagram illustrating a remote account bridge-based cache settlement process between the account system 3765 and the affiliate cache system 3705 according to the third embodiment of the present invention.

In more detail, FIG. 38 illustrates that the customer terminal 3770 accesses an affiliate server 3700 having an affiliate cache system 3705 to purchase one or more types or intangible products, and the purchase price for the purchased product. If the account bridge server 3710 shown in FIG. 28 or 32 transmits the customer account (or cache operating account) information and the account withdrawal amount information by requesting payment through the affiliate cache system 3705, The account relay server 3720 illustrated in FIG. 37 confirms the customer account information bridged with the customer account (or cache operating account) information, and withdraws the account withdrawal amount from the customer account. The transaction request for depositing (or transferring) the transaction to the account system 3765 and providing the full amount of the transaction withdrawal from the customer account. Process the financial transaction to deposit (or transfer) the funds to the partner's fund management account, and then display the transaction details corresponding to the deposit (or transfer) transaction in the account bridge server 3710 shown in FIG. As a person of ordinary skill in the art to which the present invention pertains, a remote account bridge between the accounting system 3765 and the affiliate cache system 3705 by referring to and / or modifying the drawing 38 is provided. Various implementation methods for the base cache payment process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following figure 38, the account relay server 3720 shown in FIG. 37 is referred to as " server " for convenience.

The customer terminal 3770 accesses an affiliate server 3700 having an affiliate cache system 3705 to purchase one or more types or intangible products, and purchases the purchase price for the purchased product from the affiliate cache system 3705. By sending the customer account (or cash management account) information and withdrawal amount information from the account bridge server 3710 shown in FIG. 28 or 32 by requesting payment through the The server receives customer account (or cache operating account) information and withdrawal amount information from the bridge server 3710 (3800).

Here, the customer account information, customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system (3705) As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operation account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 3705, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The account withdrawal amount information includes an amount of money to be withdrawn (or transferred) from the customer account bridged with the customer account (or a cash management account) for the account bridge-based payment processing, and to the funds management account of the affiliated company. desirable.

According to an embodiment of the present invention, the account bridge server 3710 shown in FIG. 28 or 32 is identified through the non-face-to-face authentication system of the financial institution for account bridge-based payment processing, or by using customer wireless terminal information. Preferably, the non-face-to-face authentication result information confirmed through the wireless authentication means is further transmitted. In this case, the account relay server 3720 may further receive the non-face-to-face authentication result information from the account bridge server 3710. Do.

According to an embodiment of the present invention, the account bridge server 3710 shown in FIG. 28 or 32 may further transmit non-face-to-face authentication information received from the customer terminal 3770 for account bridge based payment processing. In this case, the account relay server 3720 receives the non-face-to-face authentication information, and confirms the transaction validity of the account bridge based payment processing through the non-face-to-face authentication information in connection with the face-to-face authentication system of the financial company. It is desirable to.

According to an embodiment of the present invention, the account bridge server 3710 illustrated in FIG. 28 or 32 may transmit only the customer account (or cash management account) information for account bridge based payment processing. In this case, the account relay server 3720 receives the customer account (or cache operating account) information from the account bridge server 3710, checks the customer account information bridged with the customer account (or cache operating account) information, and Preferably, at least one of customer account balance information, recommended withdrawal amount information, and withdrawal limit amount information regarding the customer account information is transmitted to the account bridge server 3710.

When the customer account (or cache operating account) information and the withdrawal amount information is received, the server checks the customer account information bridged with the customer account (or cache operating account) information, and the customer account (or cache operating account) Check the partner's fund management account information (3805);

According to an embodiment of the present invention, the server preferably checks the customer account information bridged with the customer account (or cache operating account) information in association with the account relay D / B 3760.

In addition, the server checks the affiliate information associated with the customer account (or cache operating account) information in connection with the account relay D / B (3760), and the fund management account information of the affiliate associated with the affiliate information It is desirable to confirm.

If the customer account information and the partner's money management account information is confirmed (3810), the server checks the validity of the transaction for the customer account bridged with the customer account (or cache operating account) information (3815), the affiliate If the account bridge server 3710 authenticates the non-face-to-face transaction validity for the account bridge-based cache payment may be omitted.

According to an embodiment of the present invention, the server checks the customer account balance in connection with the account relay D / B 3760 (or the account system 3765 in which the customer account is opened), and the account withdrawal amount information. And comparing the customer account balance, if the customer account balance is greater than the account withdrawal amount, it is preferable to treat the transaction as confirmed.

In addition, the server checks the withdrawal limit amount information for the customer account in connection with the account relay D / B (3760), and compares the withdrawal amount information and the withdrawal limit amount is the withdrawal limit amount is the account If it is larger than the withdrawal amount, it is preferable to treat the transaction as confirmed.

When the non-face-to-face authentication result information is received from the account bridge server 3710 according to an embodiment of the present invention, the server reads the non-face-to-face authentication result information to confirm transaction validity for the account bridge based payment processing. It is preferable.

Alternatively, when non-face-to-face authentication information is received from the account bridge server 3710, the server confirms a transaction validity of the account bridge-based payment processing through the non-face-to-face authentication information in connection with the face-to-face authentication system of the financial company. It is desirable to.

If the transaction validity is not confirmed (3820), the server generates transaction history information including the account validity error information corresponding to the transaction validation result (3825), and bridges the transaction history information to the account bridge of the affiliated company. And transmits to server 3710 (3860).

On the other hand, if the validity of the transaction is not confirmed (3820), the server generates (or configures) a full transaction request message that withdraws the account withdrawal amount from the customer account and deposits (or transfers) the funds to the partner's fund management account ( 3830).

In this case, the transaction request message may include a specialized structure recognizable by the account system 3765.

Those skilled in the art to which the present invention pertains, because they will be familiar with the specialized structure defined in the accounting system for each financial company (3765), detailed description thereof will be omitted for convenience.

If a transaction request message is generated (3835) to withdraw (or transfer) the account withdrawal amount from the customer account to the partner's fund management account, the server transfers the transaction request message to the accounting system 3765. By providing (3840), the withdrawal amount of the account withdrawal from the customer account is processed so that the financial transaction of depositing (or transferring) the funds to the partner's fund management account is processed.

If the account transaction system 3765 processes a financial transaction to withdraw (or transfer) the account withdrawal amount from the customer account to the partner's fund management account (3845), the server from the account accounting system 3765 Receive transaction result information corresponding to the transaction request message (3850), and generate transaction detail information corresponding to the deposit (or transfer) transaction based on the received transaction result information (3855).

In this case, the transaction history information preferably includes an information structure that can be easily changed (or replaced) with the charge history information included in the affiliate cache system 3705 bridged remotely with the account system 3765.

For example, when the account relay server 3720 interlocks with an account bridge server 3710 associated with two or more affiliate cache systems 3705, the history generator 3750 may correspond to the customer. It is possible to check the account bridge server 3710 and the affiliate cache system 3705 that have transmitted the account (or cache operating account) information, and to easily change (or replace) the charge history information for the confirmed affiliate cache system 3705. It is preferable to generate transaction history information including the information structure.

Thereafter, the server transmits the generated transaction history information to the account bridge server 3710 of the affiliated company (3860).

According to the present invention, after remotely bridging a customer account (or a cache operating account) included in the affiliate cash system of the non-financial affiliate with a real account of a customer name opened in a financial company, the cache-based payment using the affiliate cache system On the basis of the account bridge, the cash-based instant payment (or reservation payment) by replacing (or relaying) the customer account (or cash management account) provided in the affiliate cache system with the real account of the customer name opened in the financial company By processing, there is an advantage of conveniently and securely providing the cache-based instant payment (or reservation payment) to the customer account (or the cash management account) through one or more payment means without prepaying a predetermined amount.

According to the present invention, by remotely bridging a customer account (or a cash management account) provided in the affiliate cache system with a real account in the name of a customer opened in a financial institution, the cache-based instant payment (or reservation payment) through the affiliate cache system. ), One or more payment means by mirroring the balance (or charge set amount) deposited in the real account of the customer name to the cash balance of the customer account (or cache operating account) provided in the affiliate cache system. Through the customer account (or cash management account) through a certain amount of charge is always charged without a prepayment, the customer's discomfort and rejection of the affiliate cache system to completely eliminate the affiliate cache system There is an advantage of actively activating payment through.

According to the present invention, by remotely bridging a customer account (or a cache operating account) provided in the affiliate cache system with a real account in the name of a customer opened in a financial institution, the cache-based instant payment (or reservation payment) through the affiliate cache system. In the processing, by automatically replenishing the amount of money that is automatically confirmed from the real account of the customer name with the cash balance of the customer account (or cache operating account) provided in the affiliate cache system, the customer account through one or more payment means (Or a cash management account) treats a certain amount as always charged without prepayment, completely eliminating customer inconvenience and rejection of the affiliate cache system, thereby making payment through the affiliate cache system. There is an advantage to actively activate.

According to the present invention, by remotely bridging a customer account (or a cash management account) provided in the affiliate cache system with a real account in the name of a customer opened in a financial institution, the cache-based instant payment (or reservation payment) through the affiliate cache system. ), When the cash balance corresponding to the customer account (or cache management account) is insufficient, bridge the customer account (or cache management account) provided in the affiliate cache system with the customer account (or cache management account). It is possible to actively activate the payment through the affiliate cache system by completely eliminating the inconvenience and rejection of the customer to the affiliate cache system by replacing the payment (or relay) with the customer account and processing the payment amount by the account transfer method. There is an advantage.

According to the present invention, due to the activation of the affiliate cash system of the non-financial affiliates, the non-financial affiliates have the advantage of reducing the commission due to payment.

Claims (9)

An accounting system of a financial institution that opens and operates a fund management account under one or more client accounts and affiliate names, an affiliate cash system that manages funds deposited in the fund management account through one or more client accounts (or cash management accounts); The customer requests payment through the customer account (or cache operating account) through an account bridge system that remotely bridges the customer account (or cache operating account) and the customer account in association with the affiliate cache system. In the method of relaying the payment process to the account, When the client terminal requests payment through one or more affiliate cache systems, the withdrawal from the affiliate information, the customer account (or cache operating account) information, and the customer account bridged with the customer account (or cache operating account) from the account bridge system. Receiving amount information to be performed; Generating a telegram to withdraw (or transfer) the money from the customer account bridged with the customer account (or a cash management account) to the fund management account; Transferring the generated telegram to the accounting system; Generating transaction history information corresponding to the full text in association with the account system; And And transmitting the transaction history information to the account bridge system. An accounting system of a financial institution that opens and operates a fund management account under one or more client accounts and affiliate names, an affiliate cash system that manages funds deposited in the fund management account through one or more client accounts (or cash management accounts); The customer requests payment through the customer account (or cache operating account) through an account bridge system that remotely bridges the customer account (or cache operating account) and the customer account in association with the affiliate cache system. In the method of relaying the payment process to the account, Link the partner information and the fund management account information and store them in a storage medium, and link the customer account (or cache operating account) information provided in the affiliate cache system with the customer account information bridged with the customer account (or cache operating account). Storing the data in a storage medium; When the client terminal requests payment through one or more affiliate cache systems, the withdrawal from the affiliate information, the customer account (or cache operating account) information, and the customer account bridged with the customer account (or cache operating account) from the account bridge system. Receiving amount information to be performed; Identifying a customer account information associated with a customer account (or a cache operating account) information and a fund management account associated with the affiliate information in association with the storage medium; Generating a telegram to withdraw (or transfer) the amount from the customer account to the fund management account; Transferring the generated telegram to the accounting system; Generating transaction history information corresponding to the full text in association with the account system; And And transmitting the transaction history information to the account bridge system. The method according to claim 1 or 2, Receiving non-face-to-face authentication result information through the account bridge system; And reading the non-face-to-face authentication result information to confirm the validity of the transaction for the full text. The method according to claim 1 or 2, Receiving non-face-to-face authentication information for authenticating a transaction validity through a non-face-to-face authentication system of a financial company; Confirming a transaction validity of the full text through the non-face-to-face authentication information in association with the non-face-to-face authentication system. The method according to claim 1 or 2, Checking the charging history configuration for each affiliate cache system corresponding to the affiliate information, and processing the generated transaction history configuration as a structure matching the charging history configuration; Treatment method. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 5. An accounting system of a financial institution that opens and operates a fund management account under one or more client accounts and affiliate names, an affiliate cash system that manages funds deposited in the fund management account through one or more client accounts (or cash management accounts); The customer requests payment through the customer account (or cache operating account) through an account bridge system that remotely bridges the customer account (or cache operating account) and the customer account in association with the affiliate cache system. In the system that processes the payment by relaying to the account, When the client terminal requests payment through one or more affiliate cache systems, the withdrawal from the affiliate information, the customer account (or cache operating account) information, and the customer account bridged with the customer account (or cache operating account) from the account bridge system. Information receiving means for receiving the amount of money information; Full-text generating means for generating a full-text for withdrawing (or transferring) the money from the customer account bridged with the customer account (or cash management account) and depositing (or transferring) the money into the fund management account; Transaction processing means for transferring the generated telegram to the account system; History generation means for generating transaction history information corresponding to the full text in association with the account system; And And a history transmission means for transmitting the transaction history information to the account bridge system. An accounting system of a financial institution that opens and operates a fund management account under one or more client accounts and affiliate names, an affiliate cash system that manages funds deposited in the fund management account through one or more client accounts (or cash management accounts); Recalling the requested payment through the customer account (or cache operating account) through an account bridge system for remotely bridging the customer account (or cache operating account) and the customer account in association with the affiliate cache system. In the system for processing payment by relaying to a customer account, Storing affiliate information and funds management account information, and storing the customer account (or cache operating account) information provided in the affiliate cache system and the customer account information bridged with the customer account (or cache operating account). Storage media; When the client terminal requests payment through one or more affiliate cache systems, the withdrawal from the affiliate information, the customer account (or cache operating account) information, and the customer account bridged with the customer account (or cache operating account) from the account bridge system. Information receiving means for receiving the amount of money information; Account identification means for verifying customer account information associated with customer account (or cache operating account) information and a fund management account associated with the affiliate information in association with the storage medium; Full text generation means for generating a full text for withdrawing (or transferring) the money from the customer account to the money management account; Transaction processing means for transferring the generated telegram to the account system; History generation means for generating transaction history information corresponding to the full text in association with the account system; And And payment history transmission means for transmitting the transaction details information to the account bridge system. The method of claim 7 or 8, wherein the history generating means, Checking the charging history configuration for each affiliate cache system corresponding to the affiliate information, and the payment processing system through the account relay, characterized in that for generating the generated transaction history configuration in a structure matching the configuration.

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