KR20100045024A - System and method for managing single settlement account connected with flural settlement way and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for managing a plurality of payment units connected with a single payment account and a recording medium therefor are provided to connect and manage various payment units using one payment account, thereby effectively managing the payment units. CONSTITUTION: If payment unit connecting application information is inputted, an information receiver(115) is connected with an interface unit(105) to receive the payment unit connecting application information. If a user interface for operating payment units is requested, an interface provider(110) obtains image contents corresponding to a payment unit connecting application form that a customer writes.

Description

System and Method for Managing Single Settlement Account Connected with Flural Settlement Way and Recording Medium}

1 is a diagram illustrating a system for connecting a payment means in a face-to-face manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention.

2 is a diagram showing the configuration of payment means connection information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the operation of multiple payment means associated with a single payment account according to an embodiment of the present invention.

3A and 3B illustrate a process of registering payment means connection application information in a face-to-face manner according to one embodiment of the present invention.

4A and 4B illustrate a process of registering payment means connection application information in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of registering payment means connection application information in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face payment means connection system for operating a plurality of payment means associated with a single payment account according to another embodiment of the present invention.

7 is a view showing the configuration of the payment means connection application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the operation of multiple payment means associated with a single payment account according to an embodiment of the present invention to be.

8A and 8B illustrate a process of registering payment means connection application information in a non-face-to-face manner to operate a plurality of payment means associated with a single payment account according to an embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of processing payment method connection application information through a non-face-to-face financial transaction channel for operating multiple payment methods associated with a single payment account according to one embodiment of the present invention. .

<Description of main parts of drawing>

100: payment method operating server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: information generation unit 135: electronic document generation unit

140: electronic document transmission unit 145: information storage unit

146: information confirmation unit 147: ledger processing unit

150: electronic document server 155: electronic document receiving unit

160: information generating unit 165: electronic document storage unit

170: electronic document D / B 175: storage medium

180: employee terminal 185: teller terminal

The present invention is a payment means ledger-check card payment means or electronic money payment means or mobile phone payment means or prepaid card payment means-through the payment account balance-check card payment means ledger or electronic money payment means ledger or mobile phone A method of operating a financial ledger in which a payment means ledger or a prepaid card payment means ledger-and an account ledger operating a payment account linked to the payment means in a one-to-one manner, comprising: a portion of a balance of a balance corresponding to the account ledger (Or the entire amount) is requested to connect to a new Nth (N = 2,3, ..., N) payment method using the payment method, or the Nth (N = 2,3, ..., N If a payment method linked account is requested to be changed to the payment account, whether one or more payment device ledgers that operate a payment method through the payment account balance are linked to the account ledger corresponding to the payment account. Checking the wealth; and if the check result indicates that one or more payment means ledgers are connected to the account ledger, generating payment means ledger information for operating the Nth payment means; and the Nth payment means Generating a payment means ledger corresponding to the above, adding to the N-th payment means ledger of the account ledger, and storing the generated payment means ledger information in the N-th payment means ledger added to the account ledger. It relates to a plurality of payment means operating method associated with a single payment account comprising the step of.

As the development of the financial industry and the development of information and communication technology are mutually fused, financial services, which have been provided by recording a paper with a bankbook in the past, are used by using an electronic bankbook, and moreover, various financial services using various cards are provided.

However, in the case of the card has a difficult problem that the customer should always have a wallet, but various tools such as mobile phones that the customer is always carrying around, also used as a new payment method through the development of information and communication technology to be.

However, in the case of various payment methods that are currently provided, the payment method provided by the telecommunications company is inconvenient, such as a limited amount of payment, which is collected through the carrier fee or is similar to the other payment methods. There is a difficult problem to manage.

An object of the present invention for solving the above problems, the payment means ledger-check card payment means operating a payment means-check card payment means or electronic money payment means or mobile phone payment means or prepaid card payment means-through the payment account balance A system for operating a ledger or electronic money payment means ledger or mobile phone payment means ledger or prepaid card payment means ledger-and a financial ledger connected one-to-one with an account ledger for operating a payment account associated with the payment means, the account A new Nth (N = 2,3, ..., N) payment method is requested to use a portion (or the entire amount) of the payment account balance corresponding to the ledger, or the Nth (N = 2,3, ..., N) When a payment means linked account is requested to be changed to the payment account, a payment method is operated through the payment account balance in the account ledger corresponding to the payment account. Means for checking whether or not the payment means ledger on the phone is connected and, if the at least one payment means ledger is connected to the account ledger, generating payment means ledger information for operating the N-th payment means Means for generating a payment means ledger corresponding to the N-th payment means, and adding and connecting the payment means ledger corresponding to the N-th payment means ledger of the account ledger; The present invention provides a plurality of payment means operating system associated with a single payment account including a means for storing the payment means ledger information.

Payment means ledger operating the payment means-check card payment means or electronic money payment means or mobile phone payment means or prepaid card payment means-check card payment means ledger or electronic money payment means ledger or The method of operating a financial ledger in which a mobile phone payment means ledger or a prepaid card payment means ledger-and a one-to-one connection with an account ledger for operating a payment account linked to the payment means includes a portion of the balance of the balance corresponding to the account ledger. (Or the entire amount) is requested to connect to a new Nth (N = 2,3, ..., N) payment method using the payment method, or the Nth (N = 2,3, ..., N If a payment method linked account is requested to be changed to the payment account, whether one or more payment device ledgers that operate a payment method through the payment account balance are linked to the account ledger corresponding to the payment account. And checking, if the one or more payment means ledgers are connected to the account ledger, generating payment means ledger information for operating the N th payment means, and the N th payment means. Generating a payment means ledger corresponding to the above, adding to the N-th payment means ledger of the account ledger, and storing the generated payment means ledger information in the N-th payment means ledger added to the account ledger. Characterized in that it comprises a step.

In the method of operating a plurality of payment means associated with a single payment account according to the present invention, the payment means for operating the N (N = 1) payment means, if the one or more payment means ledger connection is not confirmed in the account ledger And storing the ledger information in the first payment means ledger.

In the method of operating a plurality of payment means associated with a single payment account according to the present invention, the use of a payment account for the first to N-th payment means-use of each payment account for each N payment means, payment account available date and time, payment Generating first to N-th payment account usage right information for setting one or more account usage subjects; and using the generated first to N-th payment account permission information for each of the first to N th payment means. It characterized in that it further comprises the step of storing in the ledger.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording a program for executing the method of operating a plurality of payment means associated with the single payment account described above.

On the other hand, the payment means ledger for operating the payment means-check card payment means or electronic money payment means or mobile phone payment means or prepaid card payment means-through the payment account balance according to the present invention-check card payment means ledger or electronic money payment means The system for operating a financial institution ledger that connects a ledger or a mobile phone payment means ledger or a prepaid card payment means ledger with an account ledger that operates a payment account linked to the payment means in a one-to-one manner, the balance of the payment account corresponding to the account ledger A new N (N = 2,3, ..., N) payment method is requested to use a portion (or all) of the payment method to operate, or the N (N = 2,3, ... N) When a payment method linked account is requested to be changed to the payment account, one or more payment device ledgers that operate a payment method through the payment account balance are linked to the account ledger corresponding to the payment account. Means for confirming whether or not, means for generating payment means ledger information for operating the N-th payment means when one or more payment means ledgers are connected to the account ledger as a result of the checking; A means for generating a payment means ledger corresponding to a payment means, adding and connecting to the N-th payment means ledger of the account ledger, and the generated payment means ledger information in the N-th payment means ledger added to the account ledger. It characterized in that it comprises a means for storing.

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 thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating a system for connecting a payment means in a face-to-face manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer submits and submits a payment method connection application including at least one of customer information and payment account information in order to operate a plurality of payment methods associated with a single payment account. In step 185, a predetermined image content corresponding to the payment means connection application is obtained through a predetermined image acquisition device, and the payment means corresponding to the payment means connection application to the payment means connection system through a predetermined payment means connection request interface. When providing connection application information and the image contents obtained from the payment means connection application, a predetermined payment means connection application electronic document including the image content is generated and stored in a predetermined electronic document repository, and the payment means connection application Payment method based on the customer information, payment account information included in the information The present invention relates to a system configuration for processing a connection, and more particularly, to an implementation method in which the electronic document repository is provided on an external system associated with the payment means connection system through a predetermined communication means.

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 configuration of a payment means connection system for operating multiple payment means associated with a single payment account. As will be appreciated, the invention includes all implementations inferred, and are not limited to the implementation method illustrated in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the payment means connection 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.

In addition, according to the implementation method shown in FIG. 1, the payment means connection application electronic document corresponding to the payment means connection application is described as being generated on the server side on the payment means connection system. It is by no means limited, the payment means connection request electronic document may be generated on the terminal side obtained the image content corresponding to the payment method connection application via a predetermined image acquisition device (for example, the electronic device provided on the server side) The document generation function is provided on the terminal side to generate the payment means connection request electronic document), whereby the present invention is not limited.

Hereinafter, the payment means connection application information and image contents corresponding to the payment means connection application written by the customer are provided through a predetermined payment means connection request interface on the payment means connection system shown in FIG. Corresponds to at least one or more means and / or functional configuration of generating an electronic document and storing it in a predetermined electronic document repository and processing payment means connection based on the customer information and payment account information included in the payment means connection application information. The component to be referred to as "payment means operating server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a payment means connection system for operating a plurality of payment means associated with a single payment account is provided at at least one financial institution branch (or branch). It characterized in that it comprises an employee terminal 180 including a), the employee terminal 180 is a communication channel with the payment means operating server 100 provided on the payment means connection system through a predetermined financial network This is connected.

According to an embodiment of the present invention, the customer visits the financial institution branch (branch branch) for operating a plurality of payment means associated with the single payment account, and through a window provided in the financial institution branch branch (branch branch) ( Or through a teller to fill in at least one information item for a predetermined payment means linking application (eg, for operating a plurality of payment means associated with the single payment account) for operating a plurality of payment means associated with the single payment account. Form is provided), wherein the customer is to seal the seal of the customer for the legal basis for the payment instrument connection application.

Subsequently, when the customer submits the completed payment means connection application to the teller, the teller scans the payment means connection application through a predetermined image acquisition device to obtain predetermined image contents, and the predetermined teller terminal ( Input (or select) payment method connection application information including at least one image content obtained in response to the payment method connection application, customer information and payment account information written in the payment method connection application through 185), In response, the window terminal 185 preferably transmits the image content and the payment means connection application information to the payment means operating server 100 provided on the payment means connection system through the financial network.

Here, the window terminal 185 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the payment means operating server 100 connected to the window terminal 185 is the predetermined It is preferable to include a server (eg, ledger server, etc.) provided on the financial system of the, the financial network connecting the teller terminal 185 and the payment means operating server 100 is the teller terminal 185 It is preferable to include a party network for connecting the communication channel between the payment method operating server 100.

In the payment means connection system as described above, an image acquisition device for acquiring the image content corresponding to the payment means connection application written by the customer, the teller terminal 185 and the teller terminal 185 used by the employee and the The financial network connecting the payment means operation server 100 performs a function of a payment means connection request interface for registering the payment means connection application information for the customer to operate a plurality of payment means associated with the single payment account.

The storage medium 175 provided on the payment means connection system according to the present invention is the customer based on the payment means connection application information including one or more of the customer information, payment account information provided from the employee terminal 180 And storing payment means connection information including one or more customer information, payment account information, and payment means information according to one or more payment means connection.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who filled out the payment method connection application, and the member information of the customer (for example, Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the payment means linking system in response to the customer by subscribing as a financial transaction customer of the financial institution) It is preferable to include at least one or more.

The payment account information is a portion of the deposit deposited in the financial account in response to a request for payment through the requested connection method of the one or more financial accounts owned by the customer who made the payment method connection application (or It is preferable to include at least one or more of the account number, the account alias, the name of the account holder, etc. for the target financial account to be used for full payment).

The payment means information includes a type of payment means corresponding to the payment means (eg, check card payment means, electronic money payment means, mobile phone payment means, prepaid card payment means) and the type of payment means. It is preferable to include one or more corresponding additional information.

If the payment means is a check card payment means according to an embodiment of the present invention, the card number (eg, 16-digit card number) and the expiration date information (may be omitted in some cases) corresponding to the check card and the payment means is connected At least one card issuing organization information (or code) for processing is preferably made.

Or when the payment means is an electronic money payment means, operating account information corresponding to a charging account for charging the electronic money, valid period information corresponding to the valid period for the electronic money, and operating the electronic money. It is preferable to include at least one operator information.

Alternatively, when the payment means is a mobile phone payment means, when requesting payment through the mobile phone, it is preferable to include the mobile phone number information for processing, customer information corresponding to the mobile phone number according to the intention and purpose of those skilled in the art It may also be included.

Or if the payment means is a prepaid card payment means, account information corresponding to a prepaid card purchase payment deposit account for purchasing the prepaid card, expiration date information for the prepaid card, and sales information for selling the prepaid card. It is preferred to include one or more.

According to one embodiment of the invention, the storage medium 175 is preferably provided in a DBMS on a financial system provided on the payment means connection system (or associated with the payment means connection system), wherein the The storage medium 175 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 175 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the payment means connection system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The payment means operating server 100 provided on the payment means connection system according to the present invention is a generic term for the payment means connection system side components connected to the employee terminal 180 through a predetermined financial network, and at least one. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the employee terminal 180 is a window terminal 185 connected to a predetermined financial network, the payment means operating server 100 is the window terminal 185 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to an embodiment of the present invention, the payment means operating server 100 is provided with an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the employee terminal 180 through the financial network. Characterized in that made.

According to an embodiment of the present invention, if the employee terminal 180 is a window terminal 185 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. 185 and a predetermined communication channel, and providing a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 185. desirable.

Referring to FIG. 1, when the predetermined employee terminal 180 connects a predetermined communication channel with the payment means operating server 100 through the interface unit 105, In order to operate a plurality of payment means associated with a single payment account, through the predetermined image acquisition device provided in the employee terminal 180 to obtain the image content corresponding to the payment means connection application prepared by the customer, the payment means connection application Generate (or extract) at least one user interface for inputting (or selecting) payment method connection request information corresponding to the transmission to the payment method operating server 100, and in connection with the interface unit 105. An interface providing unit 110 (or interface providing means) for providing the generated (or extracted) user interface to the employee terminal 180, and the employee terminal ( In step 180, if the payment means connection request information corresponding to the payment method connection application via the user interface (or selected) and transmits, in connection with the interface unit 105 is transmitted from the employee terminal 180 An information receiving unit 115 (or an information receiving means) for receiving payment means connection request information, and the payment means connection application written by the customer through a predetermined image acquisition device based on the user interface in the employee terminal 180. Acquiring and transmitting the corresponding image content, characterized in that it comprises an image receiving unit 120 (or image receiving means) for receiving the image content corresponding to the payment means connection application in connection with the interface unit 105 do.

The interface providing unit 110 after the employee terminal 180 connects a predetermined communication channel with the payment means operating server 100 through the interface unit 105, the payment means operating server 100 When requesting a user interface for operating a plurality of payment means associated with the single payment account, the image content corresponding to the payment means connection application written by the customer through the predetermined image acquisition device provided in the employee terminal 180 At least one user interface for obtaining and inputting (or selecting) payment means connection application information corresponding to the payment means connection application form to be transmitted to the payment means operating server 100 through the financial network; and And / or a user interface extracted from a predetermined database (not shown) and generated (or extracted) in conjunction with the interface unit 105. A characterized in that provided in the staff terminal 180 through the financial network.

According to another exemplary embodiment of the present invention, the employee terminal 180 acquires image contents corresponding to the payment means connection application written by the customer through a predetermined image acquisition device, and connects the payment means corresponding to the payment means connection application. When a predetermined payment means connection application program having at least one user interface for inputting (or selecting) application information to be transmitted to the payment means operating server 100 through the financial network is provided, Acquire image contents corresponding to the payment means connection application written by the customer through the image acquisition device of the user, and input (or select) payment means connection application information corresponding to the payment means connection application; Create (or extract) a user interface to transmit to the employee terminal 180 The interface providing unit 110 may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal 180 inputs (or selects) payment means connection application information including at least one of the customer information and payment account information through the user interface, and connects the input (or selected) payment means. The application information is transmitted to the payment means operating server 100 through the financial network. In response, the information receiving unit 115 is connected to the interface unit 105 and the payment transmitted from the employee terminal 180. Receiving means for requesting connection information;

In addition, the employee terminal 180 obtains the image content corresponding to the payment means connection application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 120 receives the image contents corresponding to the payment means connection application in connection with the interface unit 105.

According to another exemplary embodiment of the present invention, the employee terminal 180 acquires image contents corresponding to the payment means connection application written by the customer through a predetermined image acquisition device, and is provided to the employee terminal 180 ( Or, if stored in a predetermined storage device, the employee terminal 180 is an image corresponding to the payment means connection application written by the customer of the at least one or more image content previously stored in the storage device through the user interface Select content and transmit the content to the payment means operating server 100 through the financial network. In response, the image receiving unit 120 is linked with the interface unit 105 to correspond to the payment means connection application. It is desirable to receive.

According to another embodiment of the present invention, the employee terminal 180 through the user interface to the image content corresponding to the payment means connection application written by the customer and the payment means connection application information corresponding to the payment means connection application When transmitting together, the information receiver 115 may receive the image content corresponding to the payment means connection application and payment means connection application information together with the interface unit 105 (for example, the image receiver ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the payment means connection request information transmitted from the employee terminal 180 is received through the information receiving unit 115, the payment means operation server 100 receives the payment means connection request information. Is characterized in that it comprises a validity confirming unit 125 (or validity confirming means) for confirming whether to satisfy the validity for operating a plurality of payment means associated with the single payment account.

According to an embodiment of the present invention, the validity of the payment means connection request information is at least one or more ledger information matching the payment method connection request information in the ledger D / B on the financial system associated with the payment method connection system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the payment means connection application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the payment method connection system D / It is preferable to include checking whether the match with the customer ledger stored in B.

Alternatively, the validity confirmation of the payment means connection request information is the information contained in the payment method connection request information, the payment account information is stored in the ledger D / B on the financial system linked to the payment method connection system and It is desirable to include checking that it matches the linked ledger.

Alternatively, the validity confirmation of the payment means connection request information may include the account ledger stored in the ledger D / B on the financial system linked to the payment method connection system, among the information included in the payment means connection request information. It is desirable to include checking that a match is found.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

In more detail, in Figure 1, a predetermined customer submits and submits a payment method connection application including at least one of customer information and payment account information in order to operate a plurality of payment methods associated with a single payment account. In step 185, a predetermined image content corresponding to the payment means connection application is obtained through a predetermined image acquisition device, and the payment means corresponding to the payment means connection application to the payment means connection system through a predetermined payment means connection request interface. When providing connection application information and the image contents obtained from the payment means connection application, a predetermined payment means connection application electronic document including the image content is generated and stored in a predetermined electronic document repository, and the payment means connection application Payment method based on the customer information, payment account information included in the information The present invention relates to a system configuration for processing a connection, and more particularly, to an implementation method in which the electronic document repository is provided on an external system associated with the payment means connection system through a predetermined communication means.

Referring to FIG. 1, when the validity of the payment means connection request information is authenticated through the validity checker 125, the payment means operation server 100 corresponds to a payment account included in the payment means connection request information. The information checking unit 146 (or information confirmation) for checking whether the account ledger is connected to one or more payment device ledgers operating a payment method for processing transaction approval through a portion (or the entire amount) of the payment account balance. Means) and a payment means for operating the payment means requested by the customer when the payment means ledger corresponding to one or more payment means is connected to the account ledger corresponding to the payment account in response to the verification result. Create a ledger information and a payment means ledger for storing the payment means ledger information, the number of payments associated with the generated payment means ledger to the account ledger After adding and connecting to a new payment means ledger other than the ledger, the new payment means ledger is provided with a ledger processing unit 147 (or ledger processing means) for processing to store the generated payment means ledger information do.

When the validity of the payment means connection application information is authenticated through the validity confirmation unit 125, the information checking unit 146 is the payment account in the account ledger corresponding to the payment account included in the payment means connection application information. It is characterized by checking whether one or more payment means ledgers operating a payment means for processing transaction approval through a portion (or the total amount) of the balance.

According to the method of the present invention, it is determined whether one or more payment means ledgers operating a payment means for processing transaction approval are connected through the balance of the payment account included in the payment means connection application information. By first confirming the account ledger corresponding to the payment account included in the means linking application information, and confirming one or more ledgers associated with the confirmed account ledger, the transaction approval through the balance of the payment account included in the payment means linking application information It is preferable to check whether at least one payment ledger operating a payment means for processing the connection is connected.

Here, the payment means ledger preferably comprises one or more electronic money payment means ledger or mobile phone payment means ledger or prepaid card payment means ledger corresponding to each payment means.

The ledger processing unit 147 may be configured to operate a payment means requested by the customer when the payment means ledger corresponding to one or more payment means is connected to the account ledger corresponding to the payment account in response to the verification result. After generating the payment means ledger information and the payment means ledger to be stored, the payment means ledger information is added, and after connecting the generated payment means ledger to a new payment means ledger other than the payment means ledger connected to the account ledger, The new payment means ledger is characterized in that the processing to be stored in the generated ledger information.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to an account ledger corresponding to a payment account included in the received payment means connection request information, the After the customer generates a payment means ledger corresponding to the payment method requested to be linked, the created payment means ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) payment means ledger. And, it is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect to the generated payment means ledger is generated and stored.

In addition, when the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the payment means ledger information for operating the payment means requested by the customer to generate and And generating a payment means ledger corresponding to the payment means, and then adding the generated payment means ledger to the account ledger corresponding to the payment account as a first payment means ledger, and connecting the generated payment means ledger to the generated ledger means. It is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect is generated and stored.

In this case, when there is no first payment means ledger corresponding to the first payment means, the first payment means ledger for storing payment ledger information for operating the payment means requested by the customer is generated. It is preferable to store the generated payment means ledger information on the generated first payment means ledger.

That is, when a customer who has a first payment method that uses a portion (or all) of the payment account balance for transaction approval requests a second payment method connection that uses a portion (or all) of the payment account balance for transaction approval, After generating the payment means ledger information for operating the second payment means in the account ledger corresponding to the payment account, generating the payment means ledger corresponding to the second payment means, the second payment means of the account ledger In addition to the ledger connected, it is preferable to process to include the generated payment means ledger information on the second payment means ledger.

Here, when the customer requests to set payment account usage rights for one or more payment means connected to the payment account, the payment account usage right information for each of the payment means is generated, and the generated payment account use right information is It is preferable to be stored in the payment means ledger corresponding to the payment means.

Referring to FIG. 1, the payment means operating server 100 receives the image content transmitted from the employee terminal 180 through the image receiving unit 120, and the payment through the validity checking unit 125. When the validity of the means connection request information is authenticated, the electronic document generating unit 135 (or electronic document generating means) for generating a predetermined payment means connection request electronic document including the received image content, and the generated payment The means connection request electronic document is characterized in that it comprises an electronic document transmission unit 140 (or electronic document transmission means) for transmitting to the electronic document storage associated with the payment means connection system.

The electronic document generating unit 135 is characterized in that for generating a payment means connection request electronic document including the image content received from the employee terminal 180 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generating unit 135 stores an image file including the image content received from the employee terminal 180 through the image receiving unit 120 and the single payment account. It is desirable to process the payment method connection application electronic document for the operation of linked multiple payment methods.

Alternatively, the electronic document generation unit 135 is included in the payment means connection request information received through the information receiving unit 115 to the image content received from the employee terminal 180 through the image receiving unit 120. Generate a payment method connection request electronic document for operating a plurality of payment methods associated with the single payment account image file corresponding to the image content including at least one or more information of the customer information, payment account information by the watermarking method It is desirable to.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 may include a predetermined document file (eg, PDF) including the image content received from the employee terminal 180 through the image receiving unit 120. (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to generate a payment method connection application electronic document for operating a plurality of payment means associated with.

Alternatively, the electronic document generation unit 135 is included in the payment means connection request information received through the information receiving unit 115 to the image content received from the employee terminal 180 through the image receiving unit 120. Generating an image content including at least one of customer information and payment account information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to operate multiple payment methods associated with the single payment account. It is desirable to generate a payment method connection request electronic document for.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 receives the image content and the information receiving unit 115 received from the employee terminal 180 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the payment method connection request information, or MHT By generating a web document file, including), it is preferable to generate a payment means connection application electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the electronic document generation unit 135 is included in the payment means connection request information received through the information receiving unit 115 to the image content received from the employee terminal 180 through the image receiving unit 120. Generates image content including at least one of customer information and payment account information by a watermarking method, and includes a predetermined document file (eg, PDF) including the generated image content and the payment means connection application information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to generate an electronic document for requesting payment method connection for operating a plurality of linked payment methods.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 135 is a technical feature of generating a payment means connection application electronic document of the image file format and / or a predetermined document file format, and Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the payment method connection request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 140 transmits and stores the payment means connection request electronic document generated by the electronic document generation unit 135 to a predetermined electronic document storage space associated with the payment means connection system. do.

As shown in FIG. 1, the electronic document repository is connected to a payment method operating server 100 on the payment method connection system and a predetermined electronic document server 150 and an electronic document D / B ( 170, the electronic document transmission unit 140 includes the payment means connection request electronic document generated by the electronic document generation unit 135 through the communication means. 150) characterized in that the transmission.

Here, when the electronic document server 150 and the electronic document D / B (170) is provided outside the payment means connection system, the electronic document server 150 and the electronic document D / B (170) It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the payment means connection system, the electronic document transmitting unit 140 is generated by the electronic document generating unit 135. It is possible to store the payment means connection request electronic document in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided in the payment means connection system, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 140 may use the electronic document related information (eg, payment means corresponding to the image content) to generate predetermined electronic document management information in the electronic document server 150. The customer information on which the application for connection was made, and / or financial institution information for transmitting the payment means connection request electronic document, and / or electronic document file format information, and / or the payment method connection request information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the payment means operating server 100 includes a plurality of payment means associated with the single payment account, through which the payment means connection application information received through the information receiver 115 is validated. If the validity for the operation is authenticated, processing the payment means connection based on the payment means connection application information that has been validated, and at least one customer information, payment account information, payment means information corresponding to the payment means connection processing result And an information storage unit 145 (or information storage means) for storing the payment means connection information, including the payment means connection information, in the storage medium 175.

When the validity of the payment means connection request information is confirmed by the validity checker 125, the information storage unit 145 processes the payment means connection based on the payment means connection request information, and connects the payment means. And storing payment method connection information including one or more customer information, payment account information, and payment method information corresponding to a processing result in the storage medium 175, wherein the storage medium 175 operates the payment method. When provided in the server 100 or provided on the network associated with the payment means operating server 100, the information storage unit 145 processes the payment means connection based on the received payment means connection application information. The storage medium 175 includes payment means connection information including one or more customer information, payment account information, and payment means information corresponding to the payment means connection processing result. Preferably, the storage medium 175 is provided in the DBMS provided on the financial system, the information storage unit 145 processes the payment means connection based on the received payment means connection application information and And providing payment means connection information including one or more customer information, payment account information, and payment means information corresponding to the payment means connection processing result to the information system through an external system on the financial system to a DBMS provided on the financial system. It is desirable to store.

Referring to FIG. 1, a predetermined payment means connection request electronic document is received from the payment means operation server 100 provided on the payment means connection system, and stored and managed in a predetermined electronic document D / B 170. The electronic document server 150 includes an electronic document receiving unit 155 (or electronic document receiving means) for receiving a predetermined payment means connection request electronic document from the payment means operating server 100 through a predetermined communication means, and An information generating unit 160 (or information generating means) for generating predetermined electronic document management information for storing and managing the received payment means connection request electronic document in the electronic document D / B 170; And an electronic document storage unit 165 (or electronic document storage means) configured to link management information with the payment method connection request electronic document and store it in a predetermined electronic document D / B 170.

The electronic document receiving unit 155 may receive the payment means connection request electronic document in the form of an image file and / or a document file from the payment means operating server 100 through the communication means.

According to an exemplary embodiment of the present invention, the payment method connection request electronic document received by the electronic document receiving unit 155 through the communication means is an image received by the payment means operation server 100 from the employee terminal 180. It is preferable that the image file including the content is included as it is.

Alternatively, the payment means connection request electronic document received by the electronic document receiving unit 155 through the communication means is connected to the payment means to the image content received by the payment means operation server 100 from the employee terminal 180. It is preferable to include an image file corresponding to an image content including at least one or more information of customer information and payment account information included in the application information by a watermarking method.

According to another exemplary embodiment of the present invention, the payment means connection request electronic document received by the electronic document receiving unit 155 through the communication means is received by the payment means operating server 100 from the employee terminal 180. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the payment means connection request electronic document received by the electronic document receiving unit 155 through the communication means is the payment means operation server 100, the payment means connection request to the image content received from the employee terminal 180 A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more of customer information and payment account information included in the information by a watermarking method. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the payment method connection request electronic document received by the electronic document receiving unit 155 through the communication means is received by the payment means operation server 100 from the employee terminal 180. A word including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including an image content and the payment means connection information. Processor file, or a web document file including MHT).

Alternatively, the payment means connection request electronic document received by the electronic document receiving unit 155 through the communication means is the payment means operation server 100, the payment means connection request to the image content received from the employee terminal 180 Image content including at least one or more of customer information and payment account information included in the information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF)) containing the payment method connection application information. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

The information generating unit 160 uses a predetermined electronic document unique number (or unique information) to be assigned to the payment means connection request electronic document received through the electronic document receiving unit 155 and through the electronic document receiving unit 155. And generating electronic document management information including electronic document storage date and time information including a date and time when the payment method connection request electronic document is received (or a date and time at which the payment method connection request electronic document is stored). .

According to the exemplary embodiment of the present invention, the information generating unit 160 refers to the payment means operating server 100 that has transmitted the payment means connection request electronic document received through the electronic document receiving unit 155 to make the payment. It is preferable to identify the financial institution that has sent the electronic document for requesting the connection of the means, and to generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the payment means operating server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received information. Electronic document related information (e.g., customer information for filling out a payment means linking application corresponding to the image content, and / or financial institution information for transmitting the payment means linking request electronic document, and / or electronic document file format information, and And / or the electronic document management information further including the payment means connection application information).

The electronic document storage unit 165 processes the electronic document management information generated through the information generation unit 160 and the payment means connection request electronic document received through the electronic document receiving unit 155 in a predetermined electronic document. It is characterized in that the storage in the D / B (170).

According to the exemplary embodiment of the present invention, the payment means connection application electronic document stored in the electronic document storage unit 165 in the electronic document D / B 170 is the payment means operating server 100 is the employee terminal ( It is preferable that the image file including the image content received from (180) is included as it is.

Alternatively, the payment method connection request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is the image received by the payment means operation server 100 from the employee terminal 180. Preferably, the contents include an image file corresponding to the image contents including at least one or more of customer information and payment account information included in the payment means connection application information in a watermarking manner.

According to another exemplary embodiment of the present invention, the payment means connection application electronic document stored in the electronic document storage unit 165 in the electronic document D / B 170, the payment means operating server 100 is the employee terminal A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including image content received from 180, Or a web document file including the MHT).

Alternatively, the payment method connection request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is an image content received from the employee terminal 180 by the payment means operation server 100. A predetermined document file (for example, a Portable Document Format (PDF) file) including image content including at least one or more of customer information and payment account information included in the payment method connection request information in a watermarking manner. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the payment means connection request electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the payment means operating server 100 is the employee At least a predetermined document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content received from the terminal 180 and the payment method connection request information. And at least one word processor file or web document file including MHT).

Alternatively, the payment method connection request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is an image content received from the employee terminal 180 by the payment means operation server 100. Image content including at least one or more of the customer information and payment account information included in the payment means connection request information in a watermarking manner and a predetermined document file including the payment means connection request information (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by linking the electronic document storage unit 165 with the payment means connection request electronic document is connected to the payment means. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by the electronic document storage unit 165 in association with the payment means connection request electronic document is stored in the payment means. It is preferable that the financial institution further includes information on the financial institution that transmitted the payment means connection application electronic document confirmed with reference to the payment means operating server 100 that sent the connection request electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the payment means operating server 100, the electronic document storage unit 165 is associated with the payment means connection request electronic document. The electronic document management information that is processed and stored in the electronic document D / B 170 may include the received electronic document related information (for example, customer information for which a payment means connection application corresponding to the image content is made, and / or the payment). Financial institution information, and / or electronic document file format information, and / or the payment means connection application information, etc.) for transmitting the electronic means for linking means.

Figure 2 illustrates the configuration of payment means connection information stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the operation of multiple payment means associated with a single payment account according to an embodiment of the present invention Drawing.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 175 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. After the payment means connection processing based on the payment means connection application information including the customer information, payment account information, and shows the configuration of the information on the implementation method for storing the payment means connection information corresponding thereto, the present invention Those skilled in the art may refer to and / or modify this drawing to infer various information construction methods for storing the payment method connection application information in the ledger D / B 200. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

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

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

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

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

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

Referring to FIG. 2, the payment method connection application information provided through the payment method connection system shown in FIG. 1 is stored in the form of additional information added to the account ledger. It comprises at least one information, payment account information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who filled out the payment method connection application, and the member information of the customer (for example, Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the payment means linking system in response to the customer by subscribing as a financial transaction customer of the financial institution) It is preferable to include at least one or more.

The payment account information is a portion of the deposit deposited in the financial account in response to a request for payment through the requested connection method of the one or more financial accounts owned by the customer who made the payment method connection application (or It is preferable to include at least one or more of the account number, the account alias, the name of the account holder, etc. for the target financial account to be used for full payment).

The payment means information includes a type of payment means corresponding to the payment means (eg, check card payment means, electronic money payment means, mobile phone payment means, prepaid card payment means) and the type of payment means. It is preferable to include one or more corresponding additional information.

If the payment means is a check card payment means according to an embodiment of the present invention, the card number (eg, 16-digit card number) and the expiration date information (may be omitted in some cases) corresponding to the check card and the payment means is connected At least one card issuing organization information (or code) for processing is preferably made.

Or when the payment means is an electronic money payment means, operating account information corresponding to a charging account for charging the electronic money, valid period information corresponding to the valid period for the electronic money, and operating the electronic money. It is preferable to include at least one operator information.

Alternatively, when the payment means is a mobile phone payment means, when the payment is requested through the mobile phone, it is preferable to include the mobile phone number information for processing, customer information corresponding to the mobile phone number according to the intention and purpose of those skilled in the art May be further included.

Or if the payment means is a prepaid card payment means, account information corresponding to a prepaid card purchase payment deposit account for purchasing the prepaid card, expiration date information for the prepaid card, and sales information for selling the prepaid card. It is preferable to include one or more.

According to another exemplary embodiment of the present invention, the payment means connection application information is stored in the form of information included in the account ledger (not shown), and / or to other ledgers (eg, customer ledgers) other than the account ledger. It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

3A and 3B illustrate a process of registering payment means connection application information in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show the employee terminal 180 on the payment method connection system shown in FIG. 1 is a teller terminal 185 provided at a financial institution branch (or a branch), and the payment means operating server ( In the case where 100) has a ledger server (not shown) function on the financial system associated with the counter terminal 185 through a predetermined financial network, a predetermined customer may operate a plurality of payment means associated with a single payment account. When a payment method connection application form including at least one of customer information and payment account information is prepared and submitted, predetermined image contents corresponding to the payment method connection application form are obtained through a predetermined image acquisition device at a predetermined window terminal 185. And obtaining the payment means connection application information corresponding to the payment means connection application to the payment means connection system through a predetermined payment means connection request interface. When providing the image content obtained from the means connection application form, generates a predetermined payment means connection application electronic document containing the image content and store in a predetermined electronic document storage, the payment included in the payment means connection application information The present invention relates to an implementation method of linking and processing customer information and payment account information in a predetermined storage medium 175. Specifically, the counter terminal 185 corresponds to the payment means connection application through a predetermined image acquisition device. After acquiring a predetermined image content and transmitting it to the payment means operating server 100, inputting (or selecting) payment means connection application information corresponding to the payment means connection application is transmitted to the payment means operating server 100. It shows an implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 3a and 3b, and the payment means connection application information from the window terminal 185 to the payment method operating server 100. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in Figures 3a and 3b.

For example, in the embodiment shown in FIGS. 3A and 3B, the window terminal 185 acquires predetermined image contents corresponding to the payment means connection application through a predetermined image acquisition device, and / or the payment means. Although a user interface for inputting (or selecting) payment method connection application information corresponding to a connection application is illustrated and provided from the payment method operation server 100, the payment terminal connection request for a predetermined payment method is applied to the counter terminal 185. When the program is provided, the user interface may not be provided from the payment means operating server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 185 shown in FIG. 1 in FIGS. 3A and 3B will be referred to as "terminal" for convenience, and the payment means operating server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and payment account information transmitted from the window terminal 185 to the payment method operating server 100 is referred to as "payment means connection application information" for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer prepares and submits a payment method connection application including at least one of customer information and payment account information in order to operate a plurality of payment methods associated with a single payment account, the drawing 1 The window terminal 185 shown in FIG. 1 is a user for operating a plurality of payment means associated with a single payment account corresponding to the payment means connection application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. When requesting the interface (300), the server corresponding to the user interface for obtaining the predetermined image content corresponding to the payment means connection application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. Generate (or extract) 305 and access the generated (or extract) user interface via the financial network. Transmitting and outputting to the terminal (310).

Thereafter, the terminal acquires image content corresponding to the payment means connection application through a predetermined image obtaining apparatus based on the user interface (315).

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

Thereafter, the server inputs (or selects) payment method connection request information including at least one of customer information and payment account information corresponding to a payment method connection application matched with the image content, and transmits the user interface to the server. The method generates (or extracts) 330 and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs the generated user interface (335).

Thereafter, the terminal inputs (or selects) payment means connection application information including at least one of the customer information and payment account information through the user interface (340).

If the payment means connection request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (345), the terminal inputs (or the input to the server through the financial network) Selected) transmits the payment method connection application information (350).

Thereafter, the server receives and reads payment means connection request information including at least one of the customer information and payment account information through the financial network to check the validity of the payment means connection request information (355).

According to an embodiment of the present invention, the validity check of the payment means connection request information is at least one or more matching the payment means connection request information to the ledger D / B (200) on the financial system associated with the payment means connection system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the payment means connection application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the payment method connection system D / It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity check of the payment means connection request information is the information contained in the payment method connection request information, the payment account information is stored in the ledger D / B (200) on the financial system associated with the payment method connection system It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity check of the payment means connection request information is the information contained in the payment method connection request information, the payment account information is stored in the ledger D / B (200) on the financial system associated with the payment method connection system It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the payment means connection request information is not authenticated (358), the server generates error information for a predetermined payment means connection request to the terminal (360), the payment means connection request information Do not perform the corresponding payment method linking procedure.

On the other hand, if the validity of the payment means connection request information is verified (358), the server checks the account ledger corresponding to the payment account included in the payment method connection request information (361), and the A part (or full amount) of the payment account balance checks whether one or more payment ledgers operating a payment method for processing transaction approval are connected (362).

According to the method of the present invention, it is determined whether one or more payment means ledgers operating a payment means for processing transaction approval are connected through the balance of the payment account included in the payment means connection application information. By first confirming the account ledger corresponding to the payment account included in the means linking application information, and confirming one or more ledgers associated with the confirmed account ledger, the transaction approval through the balance of the payment account included in the payment means linking application information It is preferable to check whether at least one payment ledger operating a payment means for processing the connection is connected.

Here, the payment means ledger preferably comprises one or more electronic money payment means ledger or mobile phone payment means ledger or prepaid card payment means ledger corresponding to each payment means.

If the payment means ledger is not connected to the account ledger corresponding to the payment account in response to the confirmation result (363), the server generates payment means ledger information for operating the payment means requesting the connection; In operation 364, the generated payment means ledger information is stored in the first payment means ledger (365).

On the other hand, when the payment means ledger is connected to the account ledger corresponding to the payment account in response to the verification result (363), the server generates payment means ledger information for operating the payment means requested by the customer to connect. (366), after generating a payment means ledger corresponding to the payment means to be connected with the payment account (367), and adds the generated payment means ledger as the N-th payment means ledger of the account ledger corresponding to the payment account; In operation 369, the generated payment means ledger information is stored in the connected N-th payment instrument ledger (369).

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to an account ledger corresponding to a payment account included in the received payment means connection request information, the After the payment means ledger corresponding to the payment method requested by the customer is linked, the created payment means ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) payment means ledger. And, it is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect to the generated payment means ledger is generated and stored.

In addition, when the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the payment means ledger information for operating the payment means requested by the customer to generate and And generating a payment means ledger corresponding to the payment means, and then adding the generated payment means ledger to the account ledger corresponding to the payment account as a first payment means ledger, and connecting the generated payment means ledger to the generated ledger means. It is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect is generated and stored.

In this case, when there is no first payment means ledger corresponding to the first payment means, the first payment means ledger for storing payment ledger information for operating the payment means requested by the customer is generated. It is preferable to store the generated payment means ledger information on the generated first payment means ledger.

That is, when a customer having a first payment means that uses a portion (or all) of the payment account balance to approve a transaction requests a connection of a second payment method that uses a portion (or all) of the payment account balance for the transaction approval, After generating the payment means ledger information for operating the second payment means in the account ledger corresponding to the payment account, generating the payment means ledger corresponding to the second payment means, and then the second payment means ledger of the account ledger In addition to the connection, it is preferable to process to include the generated payment means ledger information on the second payment means ledger.

Here, when the customer requests to set payment account usage rights for one or more payment means connected to the payment account, the payment account usage right information for each of the payment means is generated, and the generated payment account use right information is It is preferable to be stored in the payment means ledger corresponding to the payment means.

Thereafter, the server generates a predetermined payment means connection request electronic document including the image content (370).

According to an embodiment of the present invention, the server operates a plurality of payment means associated with the single payment account as it is the image file including the image content received from the employee terminal 180 through the image receiving unit 120 It is desirable to process the payment method for electronic documents for connection.

Alternatively, the server may include customer information and payment account information included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. It is preferable to generate an image file corresponding to the image content including at least one or more of the information by a watermarking method before the application for payment method connection application for the operation of multiple payment methods associated with the single payment account.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the employee terminal 180 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to operate multiple payment methods associated with the single payment account. It is desirable to generate a payment method connection request electronic document for.

Alternatively, the server may include customer information and payment account information included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. E) a file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), and the like. It is desirable to create a document.

According to another embodiment of the present invention, the server is the image content received from the employee terminal 180 through the image receiving unit 120 and the payment means connection request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a payment means connection application electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the server may include customer information and payment account information included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. A predetermined document file (eg, a Portable Document Format (PDF) file) generating image content including at least one or more of the information by a watermarking method, and including the generated image content and the payment method connection request information; , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to operate multiple payment methods associated with the single payment account. It is desirable to generate a payment method connection request electronic document for.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a payment means connection request electronic document in the image file format and / or a predetermined document file format, and the payment means connection request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated payment means connection request electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the payment means connection system through a predetermined communication means. When provided in the, it is preferable that the server transmits the generated payment means connection request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170).

Alternatively, when the electronic document storage is provided on the DBMS provided in the payment means connection system, the server sends the generated payment means connection request electronic document to the electronic document storage on the DBMS provided in the payment means connection system. It is possible to store in the corresponding electronic document D / B 170, whereby the present invention is not limited.

According to the method of the present invention, storing the payment means connection request electronic document in the electronic document storage, as shown in Figure 1 by processing the generated payment means connection request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (170).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the payment means connection request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the payment means connection request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a payment method connection application corresponding to the image content is prepared, and / or financial institution information for transmitting the payment means connection application electronic document, and And / or electronic document file format information, and / or the payment means connection application information).

If the payment means connection request electronic document is stored in the electronic document storage (380), the server provides the terminal with the payment result connection application processing result (385).

4A and 4B illustrate a process of registering payment means connection application information in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show the employee terminal 180 on the payment method connection system shown in FIG. 1 as a window terminal 185 provided at a financial institution branch (or a branch), and the payment method operating server ( In the case where 100) has a ledger server (not shown) function on the financial system associated with the teller terminal 185 through a predetermined financial network, a given customer may operate for multiple payment means associated with a single payment account. When a payment method connection application form including at least one of customer information and payment account information is prepared and submitted, predetermined image contents corresponding to the payment method connection application form are obtained through a predetermined image acquisition device at a predetermined window terminal 185. And obtaining the payment means connection application information corresponding to the payment means connection application to the payment means connection system through a predetermined payment means connection request interface. When providing the image content obtained from the means connection application form, a predetermined payment means connection application electronic document containing the image content is generated and stored in a predetermined electronic document storage, the customer included in the payment means connection application information The method of the present invention relates to an implementation method of linking information and payment account information to a predetermined storage medium 175, and specifically inputs payment method connection application information corresponding to the payment method connection application in the window terminal 185. (Or select) the transmission to the payment means operating server 100, and then obtains predetermined image contents corresponding to the payment means connection application through a predetermined image acquisition device and transmits the predetermined image content to the payment means operating server 100. It shows an implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 4a and 4b and the payment means connection application information from the terminal 185 to the payment method operating server 100. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 4a and 4b.

For example, in the implementation method shown in FIGS. 4A and 4B, the window terminal 185 acquires predetermined image contents corresponding to the payment means connection application through a predetermined image acquisition device, and / or the payment means. Although a user interface for inputting (or selecting) payment method connection application information corresponding to a connection application is illustrated and provided from the payment method operation server 100, the payment terminal connection request for a predetermined payment method is applied to the counter terminal 185. When the program is provided, the user interface may not be provided from the payment means operating server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 185 shown in FIG. 1 in FIGS. 4A and 4B will be referred to as "terminal" for convenience, and the payment means operating server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and payment account information transmitted from the window terminal 185 to the payment method operating server 100 is referred to as "payment means connection application information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer prepares and submits a payment method connection application including at least one of customer information and payment account information for the operation of multiple payment methods associated with a single payment account, FIG. The window terminal 185 shown in FIG. 1 is a user for operating a plurality of payment means associated with a single payment account corresponding to the payment means connection application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. When requesting an interface (400), the server inputs (or selects) payment means connection request information including at least one of customer information and payment account information corresponding to the payment means connection application written by the customer. Create (or extract) a user interface for transmission to a server (405), and generate (or extract) the user through the financial network; And outputs to send the user interface to the mobile station 410. The

Thereafter, the terminal inputs (or selects) payment means connection application information including at least one of the customer information and payment account information through the user interface (415).

If the payment means connection request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (420), the terminal inputs (or the input to the server through the financial network) Selected) transmits the payment method connection application information (425).

Thereafter, the server receives and reads payment means connection request information including at least one of the customer information and payment account information through the financial network to check the validity of the payment means connection request information (430).

According to an embodiment of the present invention, the validity check of the payment means connection request information is at least one or more matching the payment means connection request information to the ledger D / B (200) on the financial system associated with the payment means connection system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the payment means connection application information, the customer information (customer information, personal information, etc.) of the ledger on the financial system associated with the payment method connection system D / It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity check of the payment means connection request information is the information contained in the payment means connection request information, the payment account information is sent to the ledger D / B (200) on the financial system associated with the payment method connection system It is desirable to include a check that matches the account ledger associated with the stored customer ledger.

Alternatively, the validity check of the payment means connection request information is the information contained in the payment method connection request information, the payment account information is stored in the ledger D / B (200) on the financial system associated with the payment method connection system It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the payment means connection request information is not authenticated (435), the server generates error information for a predetermined payment means connection request and transmits the error information to the terminal (440), the payment method connection request information Do not perform the corresponding payment method linking procedure.

On the other hand, if the validity of the payment means connection request information is authenticated (435), the server checks the account ledger corresponding to the payment account included in the payment method connection request information (441), and the confirmed account ledger A part (or full amount) of the payment account balance checks whether at least one payment ledger operating a payment method for processing transaction approval is connected (442).

According to the method of the present invention, it is determined whether one or more payment means ledgers operating a payment means for processing transaction approval are connected through the balance of the payment account included in the payment means connection application information. By first confirming the account ledger corresponding to the payment account included in the means linking application information, and confirming one or more ledgers associated with the confirmed account ledger, the transaction approval through the balance of the payment account included in the payment means linking application information It is preferable to check whether at least one payment ledger operating a payment means for processing the connection is connected.

Here, the payment means ledger preferably comprises one or more electronic money payment means ledger or mobile phone payment means ledger or prepaid card payment means ledger corresponding to each payment means.

If the payment means ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (443), the server generates payment means ledger information for operating the payment means requesting the connection; In operation 444, the generated payment means ledger information is included and stored in the first payment means ledger (445).

On the other hand, when a payment means ledger is connected to the account ledger corresponding to the payment account in response to the verification result (443), the server generates payment means ledger information for operating the payment means requested by the customer to connect. (446), after generating a payment means ledger corresponding to the payment means to be connected with the payment account (447), and adds the generated payment means ledger as the N payment instrument ledger of the account ledger corresponding to the payment account; In operation 448, the generated payment means ledger information is stored in the connected Nth payment means ledger and stored in operation 449.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to an account ledger corresponding to a payment account included in the received payment means connection request information, the After the payment means ledger corresponding to the payment method requested by the customer is linked, the created payment means ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) payment means ledger. And, it is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect to the generated payment means ledger is generated and stored.

In addition, when the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the payment means ledger information for operating the payment means requested by the customer to generate and And after generating a payment means ledger corresponding to the payment means, adding the created payment means ledger to the account ledger corresponding to the payment account as the first payment means ledger, and connecting the generated payment means ledger to It is preferable to process so that payment means ledger information for operating the payment means requested by the customer is generated and stored.

In this case, when there is no first payment means ledger corresponding to the first payment means, the first payment means ledger for storing payment ledger information for operating the payment means requested by the customer is generated. It is preferable to store the generated payment means ledger information on the generated first payment means ledger.

That is, when a customer having a first payment means that uses a portion (or all) of the payment account balance to approve a transaction requests a connection of a second payment method that uses a portion (or all) of the payment account balance for the transaction approval, After generating the payment means ledger information for operating the second payment means in the account ledger corresponding to the payment account, generating the payment means ledger corresponding to the second payment means, and then the second payment means ledger of the account ledger In addition to the connection, it is preferable to process to include the generated payment means ledger information on the second payment means ledger.

Here, when the customer requests to set payment account usage rights for one or more payment means connected to the payment account, the payment account usage information for each of the payment means is generated, and the generated payment account usage information is displayed. It is preferable to be stored in the payment means ledger corresponding to the payment means.

Subsequently, the server generates (or extracts) a user interface for acquiring predetermined image content corresponding to the payment means connection application written by the customer through the predetermined image obtaining apparatus from the terminal and transmitting the predetermined image content to the server (450). In operation 452, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Thereafter, the terminal acquires image content corresponding to the payment means connection application through a predetermined image acquisition device based on the user interface (455).

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

The server receiving the payment means connection request information and the image content from the terminal generates a predetermined payment means connection request electronic document including the image content (470).

According to an embodiment of the present invention, the server operates a plurality of payment means associated with the single payment account as it is the image file including the image content received from the employee terminal 180 through the image receiving unit 120 It is desirable to process the payment method for electronic documents for connection.

Alternatively, the server may include customer information and payment account information included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. It is preferable to generate a payment means connection application electronic document for operating a plurality of payment means associated with the single payment account image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the employee terminal 180 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to operate multiple payment methods associated with the single payment account. It is desirable to generate a payment method connection request electronic document for.

Alternatively, the server may include customer information and payment account information included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. E) a file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), and the like. It is desirable to create a document.

According to another embodiment of the present invention, the server is the image content received from the employee terminal 180 through the image receiving unit 120 and the payment means connection request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a payment means connection application electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the server may include customer information and payment account included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. Generates image content including at least one or more of the information by a watermarking method, and includes a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the payment means connection application information. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or a web document file including an MHT), thereby creating a plurality of payment means associated with the single payment account. It is desirable to generate an electronic document for requesting connection of a payment method for operation.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a payment means connection request electronic document in the image file format and / or a predetermined document file format, and the payment means connection request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated payment means connection request electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the payment means connection system through a predetermined communication means. When provided in the, it is preferable that the server transmits the generated payment means connection request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170).

Alternatively, when the electronic document storage is provided on the DBMS provided in the payment means connection system, the server sends the generated payment means connection request electronic document to the electronic document storage on the DBMS provided in the payment means connection system. It is possible to store in the corresponding electronic document D / B 170, whereby the present invention is not limited.

According to the method of the present invention, storing the payment means connection request electronic document in the electronic document storage, as shown in Figure 1 by processing the generated payment means connection request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (170).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the payment means connection request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the payment means connection request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a payment method connection application corresponding to the image content is prepared, and / or financial institution information for transmitting the payment means connection application electronic document, and And / or electronic document file format information, and / or the payment means connection application information).

If the payment means connection request electronic document is stored in the electronic document storage box (480), the server provides the payment means connection request processing result to the terminal (485).

5A and 5B illustrate a process of registering payment means connection application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 5a and 5b is a terminal terminal 185 provided at the financial institution branch (or branch) of the employee terminal 180 on the payment method connection system shown in Figure 1, the payment means operating server ( In the case where 100) has a ledger server (not shown) function on the financial system associated with the teller terminal 185 through a predetermined financial network, a given customer may operate a plurality of payment means associated with a single payment account. In order to prepare and submit a payment means connection application including at least one of customer information and payment account information, predetermined image contents corresponding to the payment means connection application through a predetermined image acquisition device at a predetermined window terminal 185 Acquires the payment means connection request information corresponding to the payment means connection application to the payment means connection system through a predetermined payment means connection request interface; When providing the image content obtained from the means connection application form, generates a predetermined payment means connection application electronic document containing the image content and store in a predetermined electronic document storage, the payment included in the payment means connection application information The present invention relates to an implementation method of linking and processing customer information and payment account information in a predetermined storage medium 175. Specifically, the counter terminal 185 corresponds to the payment means connection application through a predetermined image acquisition device. A method of acquiring predetermined image content, inputting (or selecting) payment means connection application information corresponding to the payment means connection application, and transmitting the same to the payment method operating server 100 is illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b and the payment means connection application information from the window terminal 185 to the payment method operating server 100. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 5a and 5b.

For example, in the implementation method shown in FIGS. 5A and 5B, the window terminal 185 acquires predetermined image contents corresponding to the payment means connection application through a predetermined image acquisition device, and / or the payment means. Although a user interface for inputting (or selecting) payment method connection application information corresponding to a connection application is illustrated and provided from the payment method operation server 100, the payment terminal connection request for a predetermined payment method is applied to the counter terminal 185. When the program is provided, the user interface may not be provided from the payment means operating server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 185 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the payment means operating server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information and payment account information transmitted from the window terminal 185 to the payment method operating server 100 is referred to as "payment means connection application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer prepares and submits a payment method connection application including at least one of customer information and payment account information for the operation of multiple payment methods associated with a single payment account, the drawing 1 The window terminal 185 shown in FIG. 1 is a user for operating a plurality of payment means associated with a single payment account corresponding to the payment means connection application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. When requesting the interface (500), the server correspondingly inputs (or selects) payment means connection application information corresponding to the payment means connection application written by the customer in the terminal, and through the predetermined image acquisition device Generating a user interface for acquiring the predetermined image content corresponding to the means connection application form and transmitting it to the server ( Extracts), and 505, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (510).

Thereafter, the terminal inputs (or selects) payment means connection application information including at least one of the customer information and payment account information through the user interface (515).

If the payment means connection request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (520), the terminal uses a predetermined image acquisition apparatus based on the user interface. In operation 525, image contents corresponding to the payment means connection application are obtained.

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

Thereafter, the server receives and reads payment means connection request information including at least one of the customer information and payment account information through the financial network to check the validity of the payment means connection request information (540).

According to an embodiment of the present invention, the validity check of the payment means connection request information is at least one or more matching the payment means connection request information to the ledger D / B (200) on the financial system associated with the payment means connection system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the payment means connection application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the payment method connection system D / It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity check of the payment means connection request information is the information contained in the payment method connection request information, the payment account information is stored in the ledger D / B (200) on the financial system associated with the payment method connection system It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity confirmation of the payment means connection request information is the information contained in the payment method connection request information, the payment account information is stored in the ledger D / B (200) on the financial system associated with the payment method connection system It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the payment means connection request information is not authenticated (545), the server generates error information for a predetermined payment means connection request to the terminal (550), and the payment means connection request information Do not perform the corresponding payment method linking procedure.

On the other hand, if the validity of the payment means connection request information is authenticated (545), the server checks the account ledger corresponding to the payment account included in the payment method connection request information (551), the confirmed account ledger A partial (or full) portion of the payment account balance determines whether one or more payment ledgers that operate a payment method for processing transaction approval are connected (552).

According to an embodiment of the present invention, it is possible to determine whether one or more payment unit members operating a payment means for processing transaction approval are connected through the balance of the payment account included in the payment means connection application information. By first confirming the account ledger corresponding to the payment account included in the means linking application information, and confirming one or more ledgers associated with the confirmed account ledger, the transaction approval through the balance of the payment account included in the payment means linking application information It is preferable to check whether at least one payment ledger operating a payment means for processing the connection is connected.

Here, the payment means ledger preferably comprises one or more electronic money payment means ledger or mobile phone payment means ledger or prepaid card payment means ledger corresponding to each payment means.

If the payment means ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (553), the server generates payment means ledger information for operating the payment means requesting the connection; In operation 554, the generated payment means ledger information is included in the first payment means ledger and stored (555).

On the other hand, when the payment means ledger is connected to the account ledger corresponding to the payment account (553) in response to the verification result, the server generates payment means ledger information for operating the payment means requested by the customer to connect. (556), after generating a payment means ledger corresponding to the payment means to be connected with the payment account (557), and adds the generated payment means ledger as the Nth payment means ledger of the account ledger corresponding to the payment account; In operation 558, the generated payment means ledger information is stored in the connected Nth payment means ledger (559).

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to an account ledger corresponding to a payment account included in the received payment means connection request information, the After the payment means ledger corresponding to the payment method requested by the customer is linked, the created payment means ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) payment means ledger. And, it is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect to the generated payment means ledger is generated and stored.

In addition, when the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the payment means ledger information for operating the payment means requested by the customer to generate and And generating a payment means ledger corresponding to the payment means, and then adding the generated payment means ledger to the account ledger corresponding to the payment account as a first payment means ledger, and connecting the generated payment means ledger to the generated ledger means. It is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect is generated and stored.

In this case, when there is no first payment means ledger corresponding to the first payment means, the first payment means ledger for storing payment ledger information for operating the payment means requested by the customer is generated. It is preferable to store the generated payment means ledger information on the generated first payment means ledger.

That is, when a customer having a first payment means that uses a portion (or all) of the payment account balance to approve a transaction requests a connection of a second payment method that uses a portion (or all) of the payment account balance for the transaction approval, After generating the payment means ledger information for operating the second payment means in the account ledger corresponding to the payment account, generating the payment means ledger corresponding to the second payment means, and then the second payment means ledger of the account ledger In addition to the connection, it is preferable to process to include the generated payment means ledger information on the second payment means ledger.

Here, when the customer requests to set payment account usage rights for one or more payment means connected to the payment account, the payment account usage right information for each of the payment means is generated, and the generated payment account use right information is It is preferable to be stored in the payment means ledger corresponding to the payment means.

Thereafter, the server generates a predetermined payment means connection request electronic document including the image content (560).

According to an embodiment of the present invention, the server operates a plurality of payment means associated with the single payment account as it is the image file including the image content received from the employee terminal 180 through the image receiving unit 120 It is desirable to process the payment method for electronic documents for connection.

Alternatively, the server may include customer information and payment account information included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. It is preferable to generate a payment means connection application electronic document for operating a plurality of payment means associated with the single payment account image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the employee terminal 180 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to operate multiple payment methods associated with the single payment account. It is desirable to generate a payment method connection request electronic document for.

Alternatively, the server may include customer information and payment account information included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. E) a file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), and the like. It is desirable to create a document.

According to another embodiment of the present invention, the server is the image content received from the employee terminal 180 through the image receiving unit 120 and the payment means connection request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a payment means connection application electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the server may include customer information and payment account included in the payment means connection application information received through the information receiver 115 in the image content received from the employee terminal 180 through the image receiver 120. Generates image content including at least one or more of the information by a watermarking method, and includes a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the payment means connection application information. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or a web document file including an MHT), thereby creating a plurality of payment means associated with the single payment account. It is desirable to generate an electronic document for requesting connection of a payment method for operation.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a payment means connection request electronic document in the image file format and / or a predetermined document file format, and the payment means connection request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated payment means connection request electronic document in a predetermined electronic document storage (565).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the payment means connection system through a predetermined communication means. When provided in the, it is preferable that the server transmits the generated payment means connection request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170).

Alternatively, when the electronic document storage is provided on the DBMS provided in the payment means connection system, the server sends the generated payment means connection request electronic document to the electronic document storage on the DBMS provided in the payment means connection system. It is possible to store in the corresponding electronic document D / B 170, whereby the present invention is not limited.

According to the method of the present invention, storing the payment means connection request electronic document in the electronic document storage, as shown in Figure 1 by processing the generated payment means connection request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (170).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the payment means connection request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the payment means connection request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a payment method connection application corresponding to the image content is prepared, and / or financial institution information for transmitting the payment means connection application electronic document, and And / or electronic document file format information, and / or the payment means connection application information).

If the payment means connection request electronic document is stored in the electronic document storage box (570), the server provides the payment means connection request processing result to the terminal (575).

6 is a diagram illustrating a non-face-to-face payment means connection system for operating a plurality of payment means associated with a single payment account according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a payment in which a predetermined customer includes at least one customer information and payment account information for operating a plurality of payment methods associated with the single payment account through a payment method connection system through a predetermined payment method connection interface. When the means connection request information is provided, the payment means connection system generates a predetermined payment means connection request electronic document including the provided payment means connection request information and stores in a predetermined electronic document repository, and the payment means connection request A system configuration for processing a payment means connection based on the customer information and payment account information included in the information. Specifically, the electronic document repository on the external system associated with the payment means connection system through a predetermined communication means It is about the implementation method provided in the.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for configuring a payment means connection system for operating multiple payment means associated with a single payment account. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the payment means connection 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.

In addition, according to the implementation method shown in FIG. 6, the payment means connection request electronic document is illustrated as being generated on the server side on the payment means connection system, but the present invention is not limited thereto. The payment means connection request electronic document may be generated on the terminal side which inputs (or selects) the payment means connection request information (for example, the electronic document generation function provided on the server side is provided on the terminal side. Generates a payment means connection application electronic document), thereby the present invention is not limited.

Hereinafter, the payment means connection application information is received from the customer through a predetermined payment means connection interface on the payment means connection system shown in FIG. 6 to generate a predetermined payment means connection request electronic document to a predetermined electronic document repository. And at least one means for processing a payment means connection based on the customer information and payment account information included in the payment means connection request information, and / or a component corresponding to a functional configuration, for convenience. 600) ".

Referring to FIG. 6 according to an embodiment of the present invention, a payment means connection system for operating a plurality of payment means associated with a single payment account includes a client including at least one wired terminal and / or a wireless terminal used by a customer. And a staff terminal 675 including at least one terminal, etc., wherein the staff terminal 675 is a payment means connection server 600 provided on the payment means connection system through a predetermined network means. ) And the communication channel are connected.

According to one embodiment of the present invention, the customer connects to the payment means connection server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When inputting (or selecting) payment means connection application information for operating a plurality of payment means associated with the single payment account through at least one user interface provided by the payment means connection server 600, It is preferable to transmit to the payment means connection server 600 provided on the payment means connection system through the network means of.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

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

Also, the payment means connection server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and the network means. Or, and / or comprises a separate web server for connecting the payment means.

In addition, the network means for connecting the client terminal and the payment means connection server 600 is a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the payment means connection server 600, and input and / or select at least one or more information through the user interface to the payment means connection server 600 It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function communicating with the payment means connection server 600, etc.) for transmitting to the mobile station is provided.

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

In the payment means connection system as described above, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, and at least one wired connecting the client terminal and the payment means connection server 600. The communication network and / or the wireless communication network perform a function of a payment means connection interface for the customer to register payment means connection application information for operating a plurality of payment means associated with the single payment account.

According to another exemplary embodiment of the present invention, the employee terminal 675 may, in addition to the client terminal, have an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the payment means connection system as described above, when the employee terminal 675 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) are connected to the payment means. The financial network connecting the server 600 performs a function of a payment means connection interface for registering payment means connection application information for the customer to operate multiple payment means associated with the single payment account, and / or the employee When the terminal 675 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the payment means connection server 600 may be used. The customer performs a function of a payment means connection interface for registering payment means connection application information for operating a plurality of payment means associated with the single payment account, and / or When the employee terminal 675 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or Server) (not shown) and the network connecting the payment means connection server 600 of the payment means connection interface for registering the payment means connection application information for the customer to operate a plurality of payment means associated with the single payment account; Perform the function.

The storage medium 670 provided on the payment means connection system according to the present invention is the customer based on the payment means connection application information including one or more of the customer information, payment account information provided from the employee terminal 675; After connecting the payment means to, characterized in that for storing the payment means connection information including one or more customer information, payment account information, payment means information according to the payment means connection.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the payment means connection system in response to the customer; It is preferable to make.

The payment account information is a portion of the deposit deposited in the financial account in response to a request for payment through the requested connection method of the one or more financial accounts owned by the customer who made the payment method connection application (or It is preferable to include at least one or more of the account number, the account alias, the name of the account holder, etc. for the target financial account to be used for full payment).

The payment means information includes a type of payment means corresponding to the payment means (eg, check card payment means, electronic money payment means, mobile phone payment means, prepaid card payment means) and the type of payment means. It is preferable to include one or more corresponding additional information.

If the payment means is a check card payment means according to an embodiment of the present invention, the card number (eg, 16-digit card number) and the expiration date information (may be omitted in some cases) corresponding to the check card and the payment means is connected At least one card issuing organization information (or code) for processing is preferably made.

Or when the payment means is an electronic money payment means, operating account information corresponding to a charging account for charging the electronic money, valid period information corresponding to the valid period for the electronic money, and operating the electronic money. It is preferable to include at least one operator information.

Alternatively, when the payment means is a mobile phone payment means, when requesting payment through the mobile phone, it is preferable to include the mobile phone number information for processing, customer information corresponding to the mobile phone number according to the intention and purpose of those skilled in the art It may also be included.

Or if the payment means is a prepaid card payment means, account information corresponding to a prepaid card purchase payment deposit account for purchasing the prepaid card, expiration date information for the prepaid card, and sales information for selling the prepaid card. It is preferable to include one or more.

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According to one embodiment of the invention, the storage medium 670 is preferably provided in a DBMS on a financial system provided on the payment means connection system (or associated with the payment means connection system), wherein The storage medium 670 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 670 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the payment means connection system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The payment means connection server 600 provided on the payment means connection system according to the present invention is a generic term for the payment means connection system side components connected to the employee terminal 675 through a predetermined network means, at least one It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the employee terminal 675 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the payment means connection server 600 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the payment means connection server 600 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the payment means connection server 600 is connected to the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the payment means connection server 600 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the payment means connection server 600 is provided with an interface unit 605 (or interface means) for connecting and managing a predetermined communication channel with the employee terminal 675 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the employee terminal 675 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 605 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the payment means connection server 600, the interface unit 605 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a financial automation device connected to a predetermined financial network, the interface unit 605 may perform the financial automation based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with a communication program (eg, IC chip based banking program) provided by the payment means connection server 600, the interface unit 605 is based on the CDMA protocol the client terminal And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 6, when the payment means connection server 600 connects a predetermined communication channel with the payment means connection server 600 through the interface unit 605, a predetermined employee terminal 675 is connected to the payment means connection server 600. At least one user interface for inputting (or selecting) predetermined payment means connection application information from the employee terminal 675 to operate the multiple payment means associated with a single payment account and transmitting the information to the payment method connection server 600. Interface providing unit 610 (or interface providing means) for generating (or extracting) and providing the generated (or extracted) user interface to the employee terminal 675 in association with the interface unit 605; When the employee terminal 675 inputs (or selects) the payment means connection request information through the user interface and transmits the information, the employee unit in association with the interface unit 605. And an information receiving unit 615 (or information receiving means) for receiving the payment means connection application information transmitted from the horse 675.

The interface providing unit 610 is connected to the payment means connection server 600 and the payment means connection server 600 through the employee terminal 675, the interface unit 605, the payment means connection server 600 When requesting a user interface for operating a plurality of payment means associated with the single payment account, the employee terminal 675 inputs (or selects) predetermined payment means connection application information to connect the payment means through the network means. Generate at least one user interface to be transmitted to the server 600, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 605. It is characterized in that it provides to the employee terminal 675 through the network means.

According to an embodiment of the present invention, when the employee terminal 675 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 provides the financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 605.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may call the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the generated (or extracted) user interface (eg, ARS-based user interface) through the interface unit 605 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the employee terminal 675 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 610 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

At least one user for inputting (or selecting) predetermined payment means connection application information to the employee terminal 675 according to another embodiment of the present invention and transmitting the predetermined payment means connection request information to the payment means connection server 600 through the network means. When a predetermined payment means connection application program having an interface is provided, a user interface for inputting (or selecting) predetermined payment means connection application information is transmitted to the payment means connection server 600 as described above ( Alternatively, the interface providing unit 610 provided to the staff terminal 675 may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal 675 inputs (or selects) payment means connection application information including at least one of the customer information and payment account information through the user interface, and connects the input (or selected) payment means. The application information is transmitted to the payment means connection server 600 through the network means, and correspondingly, the information receiving unit 615 is connected to the interface unit 605 in response to the payment transmitted from the employee terminal 675. Receiving means for requesting connection information;

According to the implementation method of the present invention, the employee terminal 675 is connected to the payment method connection request information from the payment method connection server 600 to the payment method connection application information including at least one of the customer information, payment account information. At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to check the validity of the connection means for connecting the payment means through the network means. It is preferable to transmit to the server 600.

According to an embodiment of the present invention, the employee terminal 675 may include at least one encryption method (eg, a symmetric key-based encryption method) and / or connection method information for applying the payment means including at least one of the customer information and payment account information. Or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.), and / or attach a predetermined electronic signature to the payment means connection request information. It is preferable to transmit to the payment method connection server 600 through, for this purpose, the employee terminal 675 is provided with at least one encryption key corresponding to the encryption method, and / or at least one encryption key When a predetermined official certificate is included, and / or when the official certificate is provided on a predetermined IC chip (or IC card). In this case, it is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

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

Referring to FIG. 6, when the payment method connection request information transmitted from the employee terminal 675 is received through the information receiving unit 615, the payment method connection server 600 receives the payment method connection request information. Is characterized in that it comprises a validity confirming unit 620 (or validity confirming means) for confirming whether to satisfy the validity for operating a plurality of payment means associated with the single payment account.

According to an embodiment of the present invention, the payment means connection request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the validity confirming unit 620 may include at least one decryption method (eg, a symmetric key based decryption method) corresponding to the encryption method. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received payment means connection application information.

Alternatively, when a predetermined electronic signature is attached to the payment means connection request information, the validity checker 620 checks the electronic signature attached to the payment means connection request information, thereby receiving the received payment means connection request information. It is desirable to certify validity.

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

When the payment means connection request information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the payment means connection request information, the validity confirming unit In operation 620, it is preferable to authenticate the validity of the received payment means connection request information by comparing and authenticating the password included in the payment means connection request information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the payment method connection request information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the payment method connection request information, the validity checking unit 620 Compares and authenticates the security card information included in the payment means connection request information with the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received payment means connection request information. desirable.

Alternatively, when the payment method connection request information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the payment method connection request information, the validity checking unit 620 By comparing and authenticating the received OTP code included in the payment means connection request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received payment means connection request information It is desirable to authenticate the validity of the.

According to an embodiment of the present invention, the validity of the payment means connection request information is at least one or more ledger information matching the payment method connection request information in the ledger D / B on the financial system associated with the payment method connection system It is preferable to include checking whether it is registered.

For example, the validity checker 620 is the information contained in the payment means connection application information, the customer information (customer information, personal information, etc.) of the ledger on the financial system associated with the payment method connection system D / It is preferable to include checking whether the match with the customer ledger stored in B.

Alternatively, the validity confirmation of the payment means connection request information is the information contained in the payment means connection request information, the payment account information is stored in the ledger D / B on the financial system linked to the payment method connection system and It is desirable to include checking that it matches the linked ledger.

Alternatively, the validity confirmation of the payment means connection request information may include the account ledger stored in the ledger D / B on the financial system linked to the payment method connection system, among the information included in the payment means connection request information. It is desirable to include checking that a match is found.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

Referring to FIG. 1, when the validity of the payment method connection application information is authenticated through the validity checker 620, the payment method connection server 600 corresponds to a payment account included in the payment method connection application information. An information checking unit 643 (or information checking means) for checking whether the account ledger is connected with one or more payment means ledgers operating a payment method for processing transaction approval through a portion (or the entire amount) of the payment account balance. ) And a payment means ledger for operating the payment means requested by the customer when the payment means ledger corresponding to one or more payment means is connected to the account ledger corresponding to the payment account in response to the verification result. Generating a payment means ledger for storing information and the payment means ledger information, and converting the generated payment means ledger to the account ledger; However, after adding and connecting to a new payment means ledger other than the ledger, the new payment means ledger is provided with a ledger processing unit 644 (or ledger processing means) for processing the generated payment means ledger information is stored. It is done.

When the validity of the payment means connection application information is authenticated through the validity confirmation unit 620, the information checking unit 643 is the payment account in the account ledger corresponding to the payment account included in the payment means connection application information. It is characterized by checking whether one or more payment means ledgers operating a payment means for processing the transaction approval are part (or the entire amount) of the balance.

According to the implementation method of the present invention, whether the one or more payment means ledgers that operate the payment means for processing the transaction approval through the balance of the payment account included in the payment means connection application information is connected, the payment By first confirming the account ledger corresponding to the payment account included in the means linking application information, and confirming one or more ledgers associated with the confirmed account ledger, the transaction approval through the balance of the payment account included in the payment means linking application information It is preferable to check whether at least one payment ledger operating a payment means for processing the connection is connected.

Here, the payment means ledger preferably comprises one or more electronic money payment means ledger or mobile phone payment means ledger or prepaid card payment means ledger corresponding to each payment means.

The ledger processing unit 644 may operate the payment means requested by the customer when the payment means ledger corresponding to one or more payment means is connected to the account ledger corresponding to the payment account in response to the verification result. After generating the payment means ledger information and the payment means ledger to be stored, the payment means ledger information is stored, and after adding the generated payment means ledger to a new payment means ledger other than the payment means ledger connected to the account ledger, And processing the generated payment means ledger information to be stored in the new payment means ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the After the customer creates a payment means ledger corresponding to the payment method requested to be linked, the created payment means ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) payment means ledger. And, it is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect to the generated payment means ledger is generated and stored.

In addition, when the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the payment means ledger information for operating the payment means requested by the customer is generated and Generating a payment means ledger corresponding to the payment means, and then adding the generated payment means ledger to the account ledger corresponding to the payment account as a first payment means ledger; It is preferable to process the payment means ledger information for operating the payment means that the customer requested to connect is generated and stored.

In this case, when there is no first payment means ledger corresponding to the first payment means, the first payment means ledger for storing payment ledger information for operating the payment means requested by the customer is generated. It is preferable to store the generated payment means ledger information on the generated first payment means ledger.

That is, when a customer having a first payment means that uses a portion (or all) of the payment account balance to approve a transaction requests a connection of a second payment method that uses a portion (or all) of the payment account balance for the transaction approval, After generating the payment means ledger information for operating the second payment means in the account ledger corresponding to the payment account, generating the payment means ledger corresponding to the second payment means, the second payment means ledger of the account ledger In addition, it is preferable to connect to, and to include the generated payment means ledger information on the second payment means ledger.

Here, when the customer requests to set payment account usage rights for one or more payment means connected to the payment account, the payment account usage right information for each of the payment means is generated, and the generated payment account use right information is It is preferable to include the payment means corresponding to the payment means to be stored in the ledger.

Referring to FIG. 6, when the validity of the payment means connection request information is authenticated through the validity checker 620, the payment means connection server 600 includes a predetermined payment means connection request information. Electronic document generation unit 625 (or electronic document generating means) for generating a payment means connection request electronic document, and the electronic device for transmitting the generated payment means connection application electronic document to the electronic document storage associated with the payment method connection system And a document transmission unit 635 (or electronic document transmission means).

The electronic document generating unit 625 generates a payment means connection request electronic document including the payment means connection request information received from the employee terminal 675 through the information receiving unit 615.

According to an exemplary embodiment of the present invention, the electronic document generating unit 625 may include at least one document information including customer information and payment account information included in the payment means connection application information received through the information receiving unit 615. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as a payment method connection application electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the electronic document generator 625 generates document content including at least one of customer information and payment account information included in the payment means connection application information received through the information receiver 615, and the document content. After at least one of the customer information and payment account information included in the payment means connection request information in a watermarking method (Watermarking) method, the document file containing the document content including the watermarking (for example, PDF ( A portable document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the payment method connection request electronic document for the operation of the means.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the payment means connection application information received through the information receiving unit 615, and the document An electronic document for requesting payment method connection for operating a plurality of payment methods associated with the single payment account with an image file including captured image content (eg, image content generated by capturing the document content on a memory) It is preferable to treat with.

Alternatively, the electronic document generator 625 generates document content including at least one of customer information and payment account information included in the payment means connection application information received through the information receiver 615, and the document content. Watermarking at least one of customer information and payment account information included in the payment means connection application information to the captured image content (for example, image content generated by capturing the document content on a memory). After the method is included, it is preferable to process the image file including the image content including the watermarking as a payment method connection request electronic document for operating a plurality of payment methods associated with the single payment account.

According to another exemplary embodiment of the present invention, the electronic document generation unit 625 includes at least one document including customer information and payment account information included in the payment means connection application information received through the information receiving unit 615. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to operate multiple payment methods associated with the single payment account. It is desirable to process the payment method for electronic documents for connection.

Alternatively, the electronic document generator 625 generates document content including at least one of customer information and payment account information included in the payment means connection application information received through the information receiver 615, and the document content. Watermarking at least one of customer information and payment account information included in the payment means connection application information to the captured image content (for example, image content generated by capturing the document content on a memory). To generate an image content including an image content, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking. Generating a word processor file including at least one or a web document file including an MHT) The payment means connected to a plurality of payment means operating in conjunction with application it is desirable to handle electronically.

According to another exemplary embodiment of the present invention, the electronic document generating unit 625 includes at least one customer information and payment account information included in the payment means connection application information received through the information receiving unit 615. A predetermined document file including document content generated, image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory) and the payment means connection request information ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process a payment method connection application electronic document for operating multiple payment methods associated with a payment account.

Alternatively, the electronic document generator 625 generates document content including at least one of customer information and payment account information included in the payment means connection application information received through the information receiver 615, and the document content. Watermarking at least one of customer information and payment account information included in the payment means connection application information to the captured image content (for example, image content generated by capturing the document content on a memory). A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including image content including the watermarking, and the image content including the watermarking and the payment method connection request information. , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). Castle by, it is preferred to process a payment method, an electronic document application connection for a plurality of payment means operating in conjunction with the single payment account.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 625 is a technical feature of generating an electronic document payment means connection application of the image file format and / or a predetermined document file format, and Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the payment method connection request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 635 transmits and stores the payment means connection request electronic document generated by the electronic document generation unit 625 to a predetermined electronic document storage space associated with the payment means connection system. do.

As shown in FIG. 6, the electronic document repository is connected to a payment means connection server 600 on the payment means connection system and a predetermined electronic document server 645 and electronic document D / B (linked through a predetermined communication means). 665, the electronic document transmission unit 635, the electronic document server (625) through the communication means for the payment means connection request electronic document generated by the electronic document generation unit 625; 645).

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

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the payment means connection system, the electronic document transmitting unit 635 is generated by the electronic document generating unit 625. It is possible to store the payment means connection request electronic document in the electronic document D / B 665 corresponding to the electronic document storage on the DBMS provided in the payment means connection system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 635 inputs electronic document related information (eg, the payment means connection request information) for generating predetermined electronic document management information in the electronic document server 645. (Optional) customer information, and / or financial institution information for transmitting the payment means connection request electronic document, and / or electronic document file format information, and / or the payment means connection request information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 6, the payment means connection server 600 includes a plurality of payment means in which payment method connection application information received through the information receiving unit 615 is associated with the single payment account through the validity checking unit 620. When the validity for the operation is authenticated, the information storage unit 640 (or the storage unit 640) for storing the stored information in the predetermined storage medium 670 by linking the customer information and payment account information included in the payment means connection application information of the validity is verified (or Information storage means).

When the validity check unit 620 confirms the validity of the payment means connection application information, the information storage unit 640 processes the customer information and payment account information included in the payment means connection application information to the When the storage medium 670 is provided in the payment means connection server 600, or provided on the network associated with the payment means connection server 600, The information storage unit 640 preferably stores and stores the customer information and payment account information included in the received payment means connection application information in the storage medium 670, and the storage medium 670 is financed. When provided in the DBMS provided on the system, the information storage unit 640 is set through the external system on the financial system to the customer information, payment account information included in the received payment means connection application information It is desirable to provide as a complementary and store in the DBMS provided on the financial system.

Referring to FIG. 6, a predetermined payment means connection request electronic document is received from the payment means connection server 600 provided on the payment means connection system, and stored and managed in a predetermined electronic document D / B 665. The electronic document server 645 is an electronic document receiving unit 650 (or electronic document receiving means) for receiving a predetermined payment means connection request electronic document from the payment means connection server 600 through a predetermined communication means, and An information generating unit 655 (or information generating means) for generating predetermined electronic document management information for storing and managing the received payment means connection request electronic document in the electronic document D / B 665; And an electronic document storage unit 660 (or electronic document storage means) configured to link management information with the payment means connection request electronic document and store it in a predetermined electronic document D / B 665.

The electronic document receiving unit 650 may receive the payment means connection request electronic document in the form of an image file and / or a document file from the payment means connection server 600 through the communication means.

According to an exemplary embodiment of the present invention, the payment method connection request electronic document received by the electronic document receiving unit 650 through the communication means is a payment method that the payment method connection server 600 receives from the employee terminal 675. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document contents including at least one of customer information and payment account information included in the means connection application information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the payment means connection request electronic document received by the electronic document receiving unit 650 through the communication means is included in the payment means connection application information received by the payment means connection server 600 from the employee terminal 675. After the watermarking method includes at least one or more of the customer information and the payment account information included in the payment means connection application information in the document content including at least one or more customer information, payment account information, A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files).

Alternatively, the payment means connection request electronic document received by the electronic document receiving unit 650 through the communication means is included in the payment means connection application information received by the payment means connection server 600 from the employee terminal 675. It is preferable to include an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information. .

Alternatively, the payment means connection request electronic document received by the electronic document receiving unit 650 through the communication means is included in the payment means connection application information received by the payment means connection server 600 from the employee terminal 675. Customer information included in the payment means connection application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information. Preferably, the watermarking method includes at least one or more information of payment account information, and then includes an image file including image content including the watermarking.

According to another exemplary embodiment of the present invention, the payment means connection request electronic document received by the electronic document receiving unit 650 through the communication means is received by the payment means connection server 600 from the employee terminal 675. Predetermined image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the payment method connection request information. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the payment means connection request electronic document received by the electronic document receiving unit 650 through the communication means is included in the payment means connection application information received by the payment means connection server 600 from the employee terminal 675. Customer information included in the payment means connection application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information. Generating image content including at least one or more information of payment account information by a watermarking method, and including a document file (eg, a PDF (Portable Document Format) file) including the watermarking-containing image content, or EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, etc., or MHT Be made, including also the web document file) is preferred.

According to another exemplary embodiment of the present invention, the payment method connection request electronic document received by the electronic document receiving unit 650 through the communication means is received by the payment means connection server 600 from the employee terminal 675. Image content (eg, image content generated by capturing the document content on a memory) and the payment that capture document content including at least one of customer information and payment account information included in a payment method connection request information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including the request information for connection, or an MHT. Web document files, etc.).

Alternatively, the payment means connection request electronic document received by the electronic document receiving unit 650 through the communication means is included in the payment means connection application information received by the payment means connection server 600 from the employee terminal 675. Customer included in the payment means connection application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information. A document file including image information including at least one of information and payment account information by a watermarking method, the document file including the watermarking image content and the payment method connection request information (eg, PDF); (Portable Document Format) files, EDI (Electronic Data Interchange) files, or at least one including HWP / DOC Word processor files, or web document files containing MHT).

The information generating unit 655 is a predetermined electronic document unique number (or unique information) to be assigned to the payment means connection request electronic document received through the electronic document receiving unit 650, and through the electronic document receiving unit 650 And generating electronic document management information including electronic document storage date and time information including a date and time when the payment method connection request electronic document is received (or a date and time at which the payment method connection request electronic document is stored). .

According to the exemplary embodiment of the present invention, the information generating unit 655 refers to the payment means connection server 600 which has transmitted the payment means connection request electronic document received through the electronic document receiving unit 650 to make the payment. It is preferable to check the financial institution that sent the electronic document connection request means, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the payment means connection server 600 through the electronic document receiving unit 650, the information generating unit 655 receives the received information. Electronic document related information (eg, customer information transmitted by inputting (selecting) the payment means connection request information, and / or financial institution information transmitting the payment means connection request electronic document, and / or electronic document file format information) And / or the payment means connection application information).

The electronic document storage unit 660 processes the electronic document management information generated by the payment means connection request electronic document received through the electronic document receiving unit 650 and the information generating unit 655 in a predetermined electronic document. It stores in the D / B (665).

According to the exemplary embodiment of the present invention, the payment method connection request electronic document stored in the electronic document storage unit 660 in the electronic document D / B 665 is the payment means connection server 600 is the employee terminal ( A document file (eg, a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file) containing document content including at least one of customer information and payment account information included in the payment method connection application information received from 675). File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the payment means connection request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is a payment means received by the payment means connection server 600 from the employee terminal 675. Document information including at least one of customer information and payment account information included in the connection application information includes at least one or more of the customer information and payment account information included in the payment method connection application information in a watermarking manner. Then, a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing the document content including the watermarking, Or a web document file including the MHT).

Alternatively, the payment means connection request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is a payment means received by the payment means connection server 600 from the employee terminal 675. An image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the connection request information. It is preferable to comprise.

Alternatively, the payment means connection request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is a payment means received by the payment means connection server 600 from the employee terminal 675. Request to connect the payment method to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information included in the connection request information. After at least one of customer information and payment account information included in the information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the payment method connection request electronic document stored in the electronic document storage unit 660 in the electronic document D / B 665 is the payment means connection server 600 is the employee terminal Image content (e.g., an image generated by capturing the document content on a memory) by capturing document content including at least one of customer information and payment account information included in the payment means connection application information received from 675. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including MHT. Document files).

Alternatively, the payment means connection request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is a payment received by the payment means connection server 600 from the employee terminal 675. Linking the payment means to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the request information. A document file including image information including at least one of customer information and payment account information included in the application information by a watermarking method and including the watermarking image content (eg, PDF ( A portable document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or MHT. Web document files, etc.) to be included.

According to another embodiment of the present invention, the payment means connection request electronic document stored in the electronic document storage unit 660 in the electronic document D / B 665 is the payment means connection server 600 is the employee Image content (e.g., generated by capturing the document content in memory by capturing document content including at least one of customer information and payment account information included in the payment method connection request information received from the terminal 675). A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including an image content) and the payment method connection request information; File, or a web document file including MHT).

Alternatively, the payment means connection request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is a payment means received by the payment means connection server 600 from the employee terminal 675. Request to connect the payment method to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information and payment account information included in the connection request information. Document content including at least one or more of the customer information and payment account information included in the information by watermarking (Watermarking) method, the document containing the watermarking image content and the payment method connection application information At least one file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC). It comprises a web page file, and so on) that include the word-processor file, or MHT is preferred.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 665 by the electronic document storage unit 660 in association with the payment means connection request electronic document is connected to the payment means. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 665 by the electronic document storage unit 660 in association with the payment means connection request electronic document is stored in the payment means. It is preferable that the payment method connection server 600 that sent the connection request electronic document further comprises the financial institution information that sent the payment means connection request electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the payment means connection server 600, the electronic document storage unit 660 processes the connection with the payment means connection request electronic document. The electronic document management information stored in the electronic document D / B 665 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the payment means connection request information), and / or the Financial institution information for transmitting the payment means connection request electronic document, and / or electronic document file format information, and / or the payment means connection request information, etc.).

Figure 7 illustrates the configuration of the payment means connection application information stored in the ledger D / B (700) provided in the DBMS on the financial system in a non-face-to-face for the operation of multiple payment means associated with a single payment account according to an embodiment of the present invention Figure is shown.

In more detail, in FIG. 7, when the storage medium 670 shown in FIG. 6 is the ledger D / B 700 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 700 is used. FIG. 7 illustrates an information structure for an implementation method in which payment means connection application information including the customer information and payment account information is stored, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. 7. And / or may be modified to infer various information construction methods for storing the payment method connection application information in the ledger D / B 700, but the present invention includes all the inferred implementation methods, and FIG. It is not limited only to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 700 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 700 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. The.

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

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

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

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

Referring to FIG. 7, the payment means connection application information provided through the payment means connection system shown in FIG. 6 is stored in the form of additional information added to the account ledger, and the payment means connection application information is It comprises at least one information, payment account information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the payment means connection system in response to the customer. It is preferable to make it.

The payment account information is a portion of the deposit deposited in the financial account in response to a request for payment through the requested connection method of the one or more financial accounts owned by the customer who made the payment method connection application (or It is preferable to include at least one or more of the account number, the account alias, the name of the account holder, etc. for the target financial account to be used for full payment).

The payment means information includes a type of payment means corresponding to the payment means (eg, check card payment means, electronic money payment means, mobile phone payment means, prepaid card payment means) and the type of payment means. It is preferable to include one or more corresponding additional information.

If the payment means is a check card payment means according to an embodiment of the present invention, the card number (eg, 16-digit card number) and the expiration date information (may be omitted in some cases) corresponding to the check card and the payment means is connected At least one card issuing organization information (or code) for processing is preferably made.

Or when the payment means is an electronic money payment means, account information corresponding to a charging account for charging the electronic money, and when there is an expiration date for the electronic money, corresponding expiration date information and the electronic money. It is preferable to include one or more operating institution information.

Alternatively, when the payment means is a mobile phone payment means, when requesting payment through the mobile phone, it is preferable to include the mobile phone number information for processing, customer information corresponding to the mobile phone number according to the intention and purpose of those skilled in the art It may also be included.

Or if the payment means is a prepaid card payment means, account information corresponding to a prepaid card purchase payment deposit account for purchasing the prepaid card, expiration date information for the prepaid card, and sales information for selling the prepaid card. It is preferable to include one or more.

According to another exemplary embodiment of the present invention, the payment means connection application information is stored in the form of information included in the account ledger (not shown), and / or to other ledgers (eg, customer ledgers) other than the account ledger. It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

8A and 8B illustrate a process of registering payment means connection application information in a non-face-to-face manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention.

In more detail, FIGS. 8A and 8B show that the employee terminal 675 on the payment method connection system shown in FIG. 6 is a client terminal, and the payment method connection server 600 is connected to a client terminal through a predetermined network means. In the case of having a web server function, payment means connection request information including at least one customer information and payment account information through the client terminal for a predetermined customer to operate a plurality of payment means associated with the single payment account. If provided, the payment means connection system generates a predetermined payment means connection application electronic document containing the provided payment means connection application information and store in a predetermined electronic document storage, the payment means connection request information contained in the An implementation method of linking customer information and payment account information to a predetermined storage medium 670 For those of ordinary skill in the art to which the present invention pertains, the payment means connection application information from the client terminal to the payment means connection server 600 by referring to and / or modifying the drawings 8a and 8b. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 8a and 8b.

For example, in the implementation method shown in FIGS. 8A and 8B, a predetermined web page provided by the payment method connection server 600 provides a user interface for the client terminal to input (or select) the payment method connection application information. Although described as being provided through, but when a predetermined payment means connection application program is provided in the client terminal, the user interface may not be provided from the payment means connection server 600, whereby the present invention is limited Not.

Hereinafter, in FIG. 8A and FIG. 8B, the client terminal shown in FIG. 6 is referred to as "terminal" for convenience, and the payment means connection server 600 shown in FIG. 6 is called "server" for convenience, and said client terminal In the payment means connection server 600 to the customer information, payment account information is referred to as "payment means connection application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Accessing the server through a CDMA-based (and / or HSDPA-based) mobile communication network, and / or an IEEE 802.16x-based portable Internet, and / or an IEEE 802.11x-based wireless LAN, etc. to connect a predetermined communication channel, When a web page including a user interface for operating a plurality of payment methods associated with a payment account is requested (800), the server correspondingly requests payment means connection request information including at least one of the customer information and payment account information. Generate (or extract) a web page including a user interface for input (or selection) and sending it to the server (805), and the number of networks A transmits a web page including the generated user interface (or extract) to the terminal to output through 810.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the payment means connection application information processing procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) payment method connection request information including at least one or more customer information and payment account information through the user interface included in the web page (815).

If the terminal inputs (or selects) payment means connection request information including the customer information and payment account information through the user interface (820), the terminal inputs (or selects) the communication channel. Customer information and payment account information is transmitted to the server (825).

According to an embodiment of the present invention, the terminal includes a predetermined password for confirming the validity of the payment means connection request information in the server to the payment means connection request information including at least one of the customer information and payment account information. And / or at least one or more security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based information) for requesting connection information for payment means including at least one of the customer information and payment account information. An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the payment means connection request information to the server through the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or If the certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) It is desirable to have a card reader for verifying the public certificate.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based information) for requesting connection information for payment means including at least one of the customer information and payment account information. An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, etc.) and transmit the same to the server through the network means. In the case of having at least one encryption key, and / or a predetermined public certificate including at least one or more encryption keys, and / or the public certificate is provided in a predetermined IC chip (or IC card), It is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

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

Thereafter, the server receives and reads the customer information and payment account information through the communication channel to check the validity of the payment means connection application information (830).

According to an embodiment of the present invention, the payment means connection request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may include the at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is desirable to authenticate the validity of the received payment means connection application information.

Alternatively, when a predetermined electronic signature is attached to the payment means connection request information, the server verifies the validity of the received payment means connection request information by checking the electronic signature attached to the payment means connection request information. It is preferable.

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

When the payment means connection request information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the payment means connection request information, the server is It is preferable to authenticate the validity of the received payment means connection request information by comparing and authenticating the password included in the payment means connection request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the payment means connection request information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the payment means connection request information, the server connects the payment means. It is preferable to authenticate the validity of the received payment means connection application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the payment means connection request information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the payment means connection request information, the server requests the payment means connection request. The validity of the received payment means connection request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the payment means connection request information is at least one or more matching the payment means connection request information to the ledger D / B 700 on the financial system associated with the payment means connection system It is preferable to include checking whether the ledger information is registered.

For example, the validity checker 620 is the information contained in the payment means connection application information, the customer information (customer information, personal information, etc.) of the ledger on the financial system associated with the payment method connection system D / It is preferably made to include matching with the customer ledger stored in B (700).

Alternatively, the validity of the payment means connection request information is the information contained in the payment means connection request information, the payment account information is stored in the ledger D / B 700 on the financial system associated with the payment method connection system It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity of the payment means connection request information is the information contained in the payment means connection request information, the payment account information is stored in the ledger D / B 700 on the financial system associated with the payment method connection system It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the payment means connection request information is not authenticated (835), the server generates a web page containing the error information for a predetermined payment means connection request and transmits to the terminal (840), the payment The payment method linking procedure corresponding to the means linking application information is not performed.

On the other hand, if the validity of the payment means connection application information is authenticated (835), the server checks the account ledger corresponding to the payment account included in the payment method connection application information (841), and the confirmed account ledger A part (or all) of the payment account balance checks whether one or more card ledgers that operate a payment method for processing transaction approval are connected (842).

According to an embodiment of the present invention, it is possible to determine whether one or more card ledgers operating a payment means for processing transaction approval are connected through the balance of the payment account included in the payment means connection application information. By first confirming the account ledger corresponding to the payment account included in the consolidation application information, and confirming one or more ledgers linked to the confirmed account ledger, transaction approval is made through the balance of the payment account included in the payment instrument connection application information. It is desirable to check whether one or more card ledgers that operate a payment method are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (843), the server generates card ledger information for operating the payment means requesting the connection (844). In operation 845, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the verification result (843), the server generates card ledger information for operating the payment means that the customer requested to connect ( 846) after generating a card ledger corresponding to the payment means to be connected to the customer (847), and adding the generated card ledger to the Nth card ledger of the account ledger corresponding to the payment account (848), The generated card ledger information is stored in the connected N-th card ledger (849).

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to an account ledger corresponding to a payment account included in the received payment means connection request information, the customer After generating the card ledger corresponding to the payment means requesting the connection, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger and connected. The card ledger is preferably processed to generate and store card ledger information for operating the payment means that the customer requested to connect to the ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the card ledger information for operating the payment means requested by the customer is generated, and After generating the card ledger corresponding to the payment means, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the payment requested by the customer to the generated card ledger. It is preferable to process so that the card ledger information for operating the means is generated and stored.

Here, if there is no first card ledger corresponding to the first payment means as a result of the check, the first card ledger for storing the card ledger information for operating the payment method requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer having a first payment means that uses a portion (or all) of the payment account balance to approve a transaction requests a connection of a second payment method that uses a portion (or all) of the payment account balance for the transaction approval, After generating the card ledger information for operating the second payment means in the account ledger corresponding to the payment account, generating the card ledger corresponding to the second payment means, and adding it to the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more payment means connected to the payment account, the payment account usage information for each of the payment means is generated, and the generated payment account usage information is displayed. It is preferable to be stored in the card ledger corresponding to the payment means.

Subsequently, the server generates predetermined document content including at least one or more customer information and payment account information including the payment means connection request information (850), and the predetermined payment means connection request electronic including the document content. Generate a document (852).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received payment means connection request information, and includes a document file including the document content ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. It is desirable to process the payment method connection application electronic document for the operation of linked multiple payment methods.

Alternatively, the server generates document content including at least one or more customer information included in the received payment means connection request information, payment account information, customer information included in the payment means connection request information in the document content, After including at least one or more information of the payment account information (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) as an electronic document for requesting payment method connection for operating multiple payment methods associated with the single payment account. It is preferable.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the image content (eg, the document). It is preferable to process the image file including the image content generated by capturing the content on the memory as a payment method connection application electronic document for operating a plurality of payment methods associated with the single payment account.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the image content (eg, the document). Image content generated by capturing contents on a memory) including at least one or more information of customer information and payment account information included in the payment means connection application information by a watermarking method, and then including the watermarking image. It is preferable to process the image file including the contents as a payment method connection request electronic document for operating a plurality of payment means associated with the single payment account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or more, or a web document file including the MHT, etc.), it is preferable to process as a payment method connection application electronic document for operating multiple payment methods associated with the single payment account. .

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the payment means connection application information by a watermarking method. A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. To generate a web document file, etc.) to operate a plurality of payment means associated with the single payment account. It is preferable to process the payment method connection request electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content (eg, image content generated by capturing the document content on a memory) and the payment means connection request information. Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT)), by applying for payment method connection for operating multiple payment methods associated with the single payment account It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the payment means connection application information by a watermarking method. Word containing at least one or more document files (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content including the marking and the payment method connection request information Processor file, or a web document file containing MHT) The it is desirable to process a payment means connected to the electronic document application for multiple payment methods operate.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a payment means connection request electronic document in the image file format and / or a predetermined document file format, and the payment means connection request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated payment means connection request electronic document in a predetermined electronic document storage (855).

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

Alternatively, when the electronic document storage is provided on the DBMS provided in the payment means connection system, the server sends the generated payment means connection request electronic document to the electronic document storage on the DBMS provided in the payment means connection system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the payment means connection request electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated payment means connection request electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the payment means connection request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the payment means connection request electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the payment means connection application information, and / or financial institutions that transmit the payment method connection request electronic document) Information, and / or electronic document file format information, and / or the payment means connection application information).

If the payment means connection request electronic document is stored in the electronic document storage (860), the server provides the payment means connection request processing result to the terminal (865).

9A, 9B and 9C illustrate a process of processing payment method connection application information through a non-face-to-face financial transaction channel for operating multiple payment methods associated with a single payment account according to one embodiment of the present invention. .

In more detail, FIGS. 9A, 9B, and 9C are examples when the payment means connection system shown in FIG. 6 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, the payment means connection shown in FIG. 6). In the case where the payment method connection server 600 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. After performing, when the client terminal transmits predetermined payment means connection application information for operating a plurality of payment means associated with a single payment account to the Internet banking server, the Internet banking server receives the received payment means connection application information. Generate a predetermined payment means connection application electronic document including and store in a predetermined electronic document storage, the payment means An embodiment of the present invention relates to an implementation method of linking and processing the customer information and payment account information included in the application information in a predetermined storage medium 670, and a person having ordinary knowledge in the technical field to which the present invention pertains. 9a and 9b and 9c may be inferred from various implementations of registering the payment means connection application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the present invention. It includes an implementation method, and is not limited to the implementation method shown in FIGS. 9A, 9B, and 9C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A, 9B, and 9C, Although an implementation method of connecting an internet banking-based financial transaction channel for processing payment means connection application information between the client terminal and the Internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9a, 9b, and 9c. And internet banking standing Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for processing payment information connection application information between the present invention, the present invention includes an internet banking-based financial transaction provided based on the Internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method of linking non-face-to-face channel-based financial transactions channels for processing payment instrument connection information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in FIGS. 9A, 9B, and 9C.

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

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

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (915a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (930a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or a decryption algorithm) corresponding to the rhythm), and also provided by the terminal to the server for processing the payment means connection application information. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and transmitted by at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for processing of payment means connection application information. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

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

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945a).

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

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined payment means connection application information for operating a plurality of payment means associated with a single payment account from the terminal to the server.

Thereafter, when the terminal requests a web page including a user interface for operating a plurality of payment means associated with the single payment account to the server through an internet banking-based financial transaction channel (900b), the server correspondingly Generate (or extract) a web page including a user interface for inputting (or selecting) payment method connection request information including at least one of customer information and payment account information to the server (905b), and the Internet; In operation 910b, a web page including the generated (or extracted) user interface is transmitted to the terminal through a banking-based financial transaction channel.

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) payment means connection application information including at least one of customer information and payment account information in the terminal, and And / or certain password and / or security card information (e.g., security printed on a security card issued to a customer during the internet banking application process to verify the validity of the Internet banking customer requesting to register the payment method connection request information. Card information) and / or one time password (OTP) (e.g., a one-time password generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include a user interface for input.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the payment means connection application information processing procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) payment means connection application information including at least one of the customer information and payment account information through the payment means connection interface (915b).

If the terminal inputs (or selects) payment means connection application information including the customer information and payment account information through the user interface (920b), the terminal inputs (or selects) through the financial transaction channel. The payment means connection request information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal includes a predetermined password for confirming the validity of the payment means connection request information in the server to the payment means connection request information including at least one of the customer information and payment account information. And / or at least one or more security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based information) for requesting connection information for payment means including at least one of the customer information and payment account information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or If the certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC card) It is desirable to have a card reader for verifying the public certificate.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method, and / or a public key based information) for requesting connection information for payment means including at least one of the customer information and payment account information. An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. If the certificate has at least one encryption key and / or has a predetermined certificate containing at least one encryption key, and / or is provided with a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

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

Thereafter, the server receives and reads the payment means connection request information through the financial transaction channel to check the validity of the payment means connection request information (930b).

According to an embodiment of the present invention, the payment means connection request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may include the at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is desirable to authenticate the validity of the received payment means connection application information.

Alternatively, when a predetermined electronic signature is attached to the payment means connection request information, the server verifies the validity of the received payment means connection request information by checking the electronic signature attached to the payment means connection request information. It is preferable.

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

When the payment means connection request information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the payment means connection request information, the server is It is preferable to authenticate the validity of the received payment means connection request information by comparing and authenticating the password included in the payment means connection request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the payment means connection request information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the payment means connection request information, the server connects the payment means. It is preferable to authenticate the validity of the received payment means connection application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the payment means connection request information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the payment means connection request information, the server requests the payment means connection request. The validity of the received payment means connection request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an embodiment of the present invention, the validity check of the payment means connection request information is at least one or more matching the payment means connection request information to the ledger D / B 700 on the financial system associated with the payment means connection system It is preferable to include checking whether the ledger information is registered.

For example, the validity checker 620 is the information contained in the payment means connection application information, the customer information (customer information, personal information, etc.) of the ledger on the financial system associated with the payment method connection system D / It is preferably made to include matching with the customer ledger stored in B (700).

Alternatively, the validity of the payment means connection request information is the information contained in the payment means connection request information, the payment account information is stored in the ledger D / B 700 on the financial system associated with the payment method connection system It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity of the payment means connection request information is the information contained in the payment means connection request information, the payment account information is stored in the ledger D / B 700 on the financial system associated with the payment method connection system It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the payment means connection request information is not authenticated (935b), the server generates a web page including the predetermined information processing error information and transmits it to the terminal (940b), the payment method connection request Do not perform the payment method linking procedure corresponding to the information.

On the other hand, if the validity of the payment means connection request information is authenticated (935b), the server checks the account ledger corresponding to the payment account included in the payment method connection request information (941b), the confirmed account ledger It is checked whether or not one or more card ledgers that operate a payment method for processing transaction approval are connected through a portion (or the entire amount) of the payment account balance (942b).

According to an embodiment of the present invention, it is possible to determine whether one or more card ledgers operating a payment means for processing transaction approval are connected through the balance of the payment account included in the payment means connection application information. By first confirming the account ledger corresponding to the payment account included in the consolidation application information, and confirming one or more ledgers linked to the confirmed account ledger, transaction approval is made through the balance of the payment account included in the payment instrument connection application information. It is desirable to check whether one or more card ledgers that operate a payment method are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (943b), the server generates card ledger information for operating the payment means requesting the connection (944b). In operation 945b, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the verification result (943b), the server generates the card ledger information for operating the payment means that the customer requested to connect ( 946b), after generating a card ledger corresponding to the payment means to be connected to the customer (947b), and adding the generated card ledger to the Nth card ledger of the account ledger corresponding to the payment account (948b), The generated card ledger information is stored in the connected N-th card ledger (949b).

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to an account ledger corresponding to a payment account included in the received payment means connection request information, the customer After generating the card ledger corresponding to the payment means requesting the connection, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger and connected. The card ledger is preferably processed to generate and store card ledger information for operating the payment means that the customer requested to connect to the ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the card ledger information for operating the payment means requested by the customer is generated, and After generating the card ledger corresponding to the payment means, the generated card ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the payment requested by the customer to the generated card ledger. It is preferable to process so that the card ledger information for operating the means is generated and stored.

Here, if there is no first card ledger corresponding to the first payment means as a result of the check, the first card ledger for storing the card ledger information for operating the payment method requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer having a first payment means that uses a portion (or all) of the payment account balance to approve a transaction requests a connection of a second payment method that uses a portion (or all) of the payment account balance for the transaction approval, After generating the card ledger information for operating the second payment means in the account ledger corresponding to the payment account, generating the card ledger corresponding to the second payment means, and adding it to the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more payment means connected to the payment account, the payment account usage information for each of the payment means is generated, and the generated payment account usage information is displayed. It is preferable to be stored in the card ledger corresponding to the payment means.

Subsequently, the server generates predetermined document content including at least one or more customer information and payment account information including the payment means connection request information (950c), and the predetermined payment means connection request electronic including the document content. Generate a document (953c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received payment means connection request information, and includes a document file including the document content ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. It is desirable to process the payment method connection application electronic document for the operation of linked multiple payment methods.

Alternatively, the server generates document content including at least one or more customer information included in the received payment means connection request information, payment account information, customer information included in the payment means connection request information in the document content, After including at least one or more information of the payment account information (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) File, a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) as an electronic document for requesting payment method connection for operating multiple payment methods associated with the single payment account. It is preferable.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the image content (eg, the document). It is preferable to process the image file including the image content generated by capturing the content on the memory as a payment method connection application electronic document for operating a plurality of payment methods associated with the single payment account.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the image content (eg, the document). Image content generated by capturing contents on a memory) including at least one or more information of customer information and payment account information included in the payment means connection application information by a watermarking method, and then including the watermarking image. It is preferable to process the image file including the contents as a payment method connection request electronic document for operating a plurality of payment means associated with the single payment account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or more, or a web document file including the MHT, etc.), it is preferable to process as a payment method connection application electronic document for operating multiple payment methods associated with the single payment account. .

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the payment means connection application information by a watermarking method. A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. To generate a web document file, etc.) to operate a plurality of payment means associated with the single payment account. It is preferable to process the payment method connection request electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content (eg, image content generated by capturing the document content on a memory) and the payment means connection request information. Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT)), by applying for payment method connection for operating multiple payment methods associated with the single payment account It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received payment means connection request information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the payment means connection application information by a watermarking method. Word containing at least one or more document files (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content including the marking and the payment method connection request information Processor file, or a web document file containing MHT) The it is desirable to process a payment means connected to the electronic document application for multiple payment methods operate.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a payment means connection request electronic document in the image file format and / or a predetermined document file format, and the payment means connection request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated payment means connection request electronic document in a predetermined electronic document storage box (955c).

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

Alternatively, when the electronic document storage is provided on the DBMS provided in the payment means connection system, the server sends the generated payment means connection request electronic document to the electronic document storage on the DBMS provided in the payment means connection system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the payment means connection request electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated payment means connection request electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the payment means connection request electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the payment means connection request electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the customer information transmitted by inputting (selecting) the payment means connection application information, and / or financial institutions that transmit the payment method connection request electronic document) Information, and / or electronic document file format information, and / or the payment means connection application information).

If the payment means connection request electronic document is stored in the electronic document storage (960c), the server provides the terminal the payment means connection request processing result (965c).

According to the present invention, by connecting and managing a variety of payment means using a single payment account, there is an advantage that it is possible to effectively manage payment methods and payment amount.

Claims (5)

Payment method ledger that operates a payment method-check card payment method or electronic money payment method or mobile phone payment method or prepaid card payment method-the check card payment method ledger or electronic money payment method ledger or mobile phone payment method ledger Or a method of operating a financial ledger in which a prepaid card payment ledger is connected one-to-one with an account ledger that operates a payment account associated with the payment means. A new Nth (N = 2,3, ..., N) payment method is requested to use a portion (or all) of the payment account balance corresponding to the account ledger, or the Nth ( N = 2,3, ..., N) When a payment method linked account is requested to be changed to the payment account, one or more payment methods for operating a payment method through the payment account balance in the account ledger corresponding to the payment account. Checking whether the ledger is connected; Generating payment means ledger information for operating the N-th payment means when one or more payment means ledgers are connected on the account ledger; Generating a payment means ledger corresponding to the N-th payment means and connecting to the N-th payment means ledger of the account ledger; And storing the generated payment means ledger information in the N-th payment means ledger added to the account ledger. The method of claim 1, If the at least one payment means ledger connection is not confirmed to the account ledger, storing the payment means ledger information for operating the Nth (N = 1) payment means in the first payment means ledger; Method of operating a plurality of payment means associated with a single payment account, characterized in that comprises a. The method of claim 1, First to Nth payments for setting payment account usage rights for the first to Nth payment methods, including use of each payment account for each N payment methods, available date for the payment account, and one or more targets for using the payment account. Generating account permission information; And storing the generated first to Nth payment account usage right information in each of the first to Nth payment means ledgers; and operating a plurality of payment means associated with a single payment account. Way. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Payment method ledger that operates a payment method-check card payment method or electronic money payment method or mobile phone payment method or prepaid card payment method-through the remaining account balance-check card payment method ledger or electronic money payment ledger or mobile phone payment ledger Or a system for operating a financial institution ledger in which a prepaid card payment means ledger and an account ledger operating a payment account linked to the payment means are connected one-to-one. A new Nth (N = 2,3, ..., N) payment method is requested to use a portion (or all) of the payment account balance corresponding to the account ledger, or the Nth ( N = 2,3, ..., N) When a payment method linked account is requested to be changed to the payment account, one or more payment methods for operating a payment method through the payment account balance in the account ledger corresponding to the payment account. Means for checking whether the ledger is connected; Means for generating payment means ledger information for operating the N-th payment means when one or more payment means ledgers are connected on the account ledger as a result of the checking; Means for generating a payment means ledger corresponding to the N-th payment means and additionally connecting to the N-th payment means ledger of the account ledger; And means for storing the generated payment means ledger information in the N-th payment means ledger added to the account ledger, wherein the plurality of payment means operating system is linked to a single payment account.

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