KR20100103754A - System and method for processing card slip by using virtual ledger and program recording medium - Google Patents

Abstract

PURPOSE: A processing method using a virtual ledger, and a system and a recording medium therefore are provided to easily inquire the sale transaction detail of the member store without the confirmation of the payment particulars through the financial facilities. CONSTITUTION: An approval list confirming unit(515) confirms the payment approval particulars at a member store. A non-provision sale processing unit(520) includes the identified payment approval to the non-provision sale transaction detail. A slip purchase request unit(525) transmits the included payment approval particulars in the virtual ledger with the corresponding bill bury corporation.

Description

System and Method for Processing Card Slip by Using Virtual Ledger and Program Recording Medium}

1 is a view showing a financial account opening system for managing merchant deposit and withdrawal according to an embodiment of the present invention.

2 is a diagram illustrating a process of opening a financial account for managing merchant deposit and withdrawal according to one embodiment of the present invention.

3 is a diagram illustrating an information registration system for managing sales / purchase transaction details according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering affiliate store transaction management information for sales / purchase transaction management according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a ticket purchase processing system according to an embodiment of the present invention.

6 is a diagram illustrating a process of providing sales / purchase transaction history information through virtual ledger operation according to an embodiment of the present invention.

<Description of main parts of drawing>

100: card company server 130: ledger D / B

300: information registration server 500: server

505: virtual ledger generation unit 510: virtual ledger processing unit

515: Confirmation details approval unit 520: Unpaid sales processing unit

525: bill purchase unit 530: interface unit

535: interface providing unit 540: information receiving unit

545: Validation unit 550: Virtual ledger check unit

555: transaction history provider 560: virtual ledger

The present invention is to register the account information and the buyer account information for the sales / purchase transaction history management during the financial transaction through the financial account, the sales / purchase transaction history of the merchant in connection with the financial account ledger provided in the financial institution Generating a virtual ledger for management, in connection with the financial account ledger of the financial institution, receiving the sales / purchase transaction details from the financial transaction history of the financial account and including the virtual ledger in the generated virtual ledger; When the payment approval history is confirmed at the affiliated store in connection with a merchant terminal (or server), the confirmed payment approval history is regarded as unpaid sales transaction history, and included in the generated virtual ledger and the unpaid sales transaction history. The virtual ledger including the step of claiming the purchase of the document by transmitting the payment approval details contained in the virtual ledger to the corresponding document purchase company. It relates to a method of processing a slip.

As card transactions became active, merchants needed to manage and preserve their card transactions more effectively. In fact, in order to manage the card transaction history in the merchant, there was a hassle to ask the bank whether the payment of the card.

An object of the present invention for solving the above problems, virtual ledger generating means for generating a virtual ledger for managing the sales / purchase transaction history of the merchant in connection with the financial account ledger provided in the financial institution, and the merchant terminal (or server) Approval history confirmation means for confirming payment approval details at the affiliated store in connection with the payment; and payment payment processing means for including the identified payment approval details as unpaid sales transaction details and including them in the generated virtual ledger and the unpaid sales. It is to provide a document processing system using a virtual ledger that includes a bill purchase claim means for transferring the payment approval details contained in the virtual ledger as a transaction history to the corresponding purchase company.

In the document processing method using the virtual ledger according to the present invention, during the financial transaction through the financial account, the step of registering the account information and the buyer account information for sales / purchase transaction history management, and the financial account ledger provided in the financial institution Generating a virtual ledger for managing sales / purchase transaction details of the affiliated store in connection with the affiliated store; and receiving sales / purchase transaction details from the financial transaction details of the financial account in connection with the financial account ledger of the financial institution; Including the generated virtual ledger, and when the payment approval details of the affiliated store is confirmed in association with the affiliated terminal (or server), the confirmed payment approval details are regarded as unpaid sales transaction history, the generated virtual ledger Including the step and the payment approval details contained in the virtual ledger as the unpaid sales transaction details to the document purchase company to transfer the purchase Characterized in that it comprises a claim step.

According to the present invention, the voucher processing method using the virtual ledger, according to the request of the affiliated store checks the merchant sales / purchase transaction details for each specific period from the virtual ledger, and the merchant sales / purchase transaction details for the specific period confirmed It characterized in that it further comprises the step of providing to the merchant.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the slip processing method using the virtual ledger described above.

On the other hand, the slip processing system using a virtual ledger according to the present invention, the virtual ledger generating means for generating a virtual ledger for managing the sales / purchase transaction history of the affiliated stores in connection with the financial account ledger provided in the financial institution, and the merchant terminal ( Or the approval history confirmation means for confirming payment approval details at the affiliated store in association with the server), the unpaid sales processing means for considering the confirmed payment approval details as unpaid sales transaction details and including them in the generated virtual ledger; The payment approval details included in the virtual ledger as the unpaid sales transaction history is characterized in that it comprises a bill purchase claim means for claiming the purchase of the document by transferring to the corresponding document purchase company.

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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating a financial account opening system for managing merchant deposit and withdrawal according to one embodiment of the present invention.

In more detail, in FIG. 1, a predetermined customer (eg, a merchant owner) prepares an application for opening a financial account including at least one predetermined customer information and financial account property setting information, and submits it to a window provided at a predetermined financial institution. When the financial institution is configured to open the financial account for the merchant deposit and withdrawal management in a face-to-face based on the application for opening the financial account, specifically, the customer prepares the financial account opening application form at the counter. When submitted, at least one of the customer information and the financial account attribute setting information corresponding to the financial account opening application in connection with a predetermined terminal terminal provided at the window and a financial company server 100 provided on the financial account opening system. Managing the merchant deposit and withdrawal based on the financial account establishment application information including the above It is for the exemplary method of opening a prescribed financial account.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the configuration of the financial account opening system for managing the merchant deposit and withdrawal by referring to or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, a financial account including at least one financial account opening application and the corresponding customer information and financial account attribute setting information created by the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. 1. A component corresponding to at least one or more means or function configuration of opening the financial account for the merchant deposit and withdrawal management based on the application information is called "financial company server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a financial account for managing merchant deposit and withdrawal includes a terminal device 135 including a window terminal provided at at least one branch (or branch) of a financial institution. The terminal device 135 is connected to the financial company server 100 provided on the financial account opening system through a predetermined financial network is connected to the communication channel.

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

Subsequently, when the customer submits the completed financial account opening application form to the teller, the teller requests the image content obtained in response to the application for opening the financial account and the customer entered in the application for opening the financial account through a predetermined teller terminal. Input (or select) financial account establishment application information including at least one of information and financial account attribute setting information, and the counter terminal transmits the image content and financial account establishment application information to the financial network through the financial network. It is preferable to transmit to the financial institution server 100 provided on the account opening system.

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

In the financial account opening system as described above, a bank terminal used by the employee and a financial network connecting the window terminal and the financial company server 100 may include a financial account opening interface for the customer to register the financial account opening application information. Performs the function of.

The financial company server 100 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 135 through a predetermined financial network. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 135 is a window terminal connected to a predetermined financial network, the financial company server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial institution server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 135 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 135 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined window 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 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when a predetermined terminal device 135 connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial institution server 100 may use the terminal device 135. Generate (or extract) at least one user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application prepared by the customer and transmitting the information to the financial institution server 100 through the request; An interface providing unit 110 providing the generated (or extracted) user interface to the terminal device 135 in association with the interface unit 105, and the financial account through the user interface in the terminal device 135. When the financial account opening application information corresponding to the opening application is input (or selected) and transmitted, the terminal device 135 is transmitted from the terminal device 135 in association with the interface unit 105. And an information receiving unit 115 for receiving a financial account opening application group information is characterized in that formed.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the user interface to the financial institution server 100. At least one user for inputting (or selecting) financial account opening application information corresponding to the financial account opening application through the terminal device 135 and transmitting the information to the financial company server 100 through the financial network. Creating an interface or extracting from a predetermined database (not shown) and providing the generated (or extracted) user interface to the terminal device 135 through the financial network in conjunction with the interface unit 105. It features.

Thereafter, the terminal device 135 inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface, and inputs (or selects) the financial information. Account opening application information is transmitted to the financial institution server 100 through the financial network. In response, the information receiving unit 115 is connected to the interface unit 105 to transmit the financial information transmitted from the terminal device 135. It is characterized by receiving the account opening application information.

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

The financial account attribute setting information includes basic attribute information such as a financial account type (for example, free withdrawal or savings, etc.) to be opened through the financial account opening application information for managing the merchant deposit and withdrawal, and transfer to the financial account. (Or withdrawal) It is preferable to include extended attribute information such as a ceiling amount and at least one financial instrument attribute information linked to the financial account when the financial account is an account linked to an investmentable financial instrument.

Referring to FIG. 1, when the financial account opening request information transmitted from the terminal device 135 is received through the information receiving unit 115, the financial institution server 100 receives the financial account opening request information. Characterized in that it comprises a validity authentication unit for confirming whether the satisfaction for the merchant deposit and withdrawal management.

According to an exemplary embodiment of the present invention, the validity check of the financial account opening application information may include at least one matching with the financial account opening application information in the ledger D / B 130 on the financial system linked to the financial account opening system. It is preferable to include checking whether the above ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in / B (130).

Referring to FIG. 1, when the financial institution opening application information received through the information receiving unit 115 is authenticated through the validity confirming unit 120, the financial institution server 100 may verify the validity of the financial institution. And an account opening unit 125 for opening a financial account in a customer's name including the financial account property setting information based on the customer information and the financial account property setting information included in the account opening application information. .

When the validity of the financial account opening application information is confirmed by the validity confirming unit 120, the account opening unit 125 includes the customer information included in the financial account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger which is already matched with the customer information), and generating the predetermined account ledger information including the financial account attribute included in the financial account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, it is characterized in that to open a financial account for the merchant deposit and withdrawal management corresponding to the financial account opening application information.

Referring to Figure 1, the ledger information provided in the ledger D / B 130 provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account ledger associated with the customer ledger (eg, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person of ordinary skill in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 130 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, detailed description thereof will be omitted for convenience.

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

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

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

2 is a diagram illustrating a process of opening a financial account for managing merchant deposit and withdrawal according to one embodiment of the present invention.

In more detail, FIG. 2 is a window terminal in which a terminal device 135 on a financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with a teller terminal, a predetermined customer (eg, a merchant owner) includes at least one predetermined customer information and financial account attribute setting information. The present invention relates to a system for opening a bank account for managing merchant deposit and withdrawal in a face-to-face manner based on the bank account application form, when an account opening application is prepared and submitted to a window provided at a predetermined financial institution. Specifically, when the customer completes the application for opening the financial account and submits it to the window, the window terminal receives the financial account. Input (or select) financial account opening application information corresponding to a new application and transmit it to the financial institution server 100, and in response, the financial institution server 100 transmits at least one of the customer information and the financial account attribute setting information. The present invention relates to an implementation method of opening a predetermined financial account for managing the merchant deposit and withdrawal based on the application information for opening the financial account included.

Those skilled in the art to which the present invention pertains can infer various implementation methods for providing the financial account opening application information from the window terminal to the financial company server 100 by referring to or modifying the drawing 2. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the window terminal shown in FIG. 1 will be referred to as a "terminal" for convenience, and the financial company server 100 shown in FIG. 1 will be referred to as a "server" for convenience, and the financial company server ( The customer information and the financial account attribute setting information transmitted to 100 are referred to as "financial account opening application information" for convenience.

Referring to FIG. 2, when a predetermined customer (eg, a merchant owner) prepares and submits an application for opening a financial account including at least one of customer information and financial account property setting information, the window terminal shown in FIG. When a user interface corresponding to the financial account opening application is requested (200) while the predetermined communication channel is connected to the server through a financial network of the server, the server is connected with the customer information corresponding to the financial account opening application. Generate (or extract) a user interface for inputting (or selecting) financial account opening application information including at least one financial account property setting information and transmitting the same to the server (205), and generating the user interface through the financial network ( Alternatively, the extracted user interface is transmitted to the terminal and output (210).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface (215).

If the financial account opening application information including at least one of the customer information and the financial account property setting information is input (or selected) through the user interface (220), the terminal inputs the input to the server through the financial network. (Or selection) transmits the application information for opening the financial account (225).

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information and the financial account property setting information through the financial network to check the validity of the financial account opening application information (230). .

According to an embodiment of the present invention, the validity of the financial account opening application information is at least one or more matching with the financial account opening application information in the ledger D / B (130) on the financial system associated with the financial account opening system It is preferable to include checking whether the ledger information is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include a check that matches the customer ledger stored in / B (130).

If the validity of the financial account opening application information is not authenticated (235), the server generates predetermined financial account opening error information and transmits it to the terminal (240), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is authenticated (235), the server generates predetermined account ledger information corresponding to the financial account opening application information for managing the merchant deposit and withdrawal (245), the financial system In operation 255, a financial account of the customer's name including the account ledger information is opened (250), and a predetermined financial account opening detail information is generated (or extracted) and transmitted to the terminal (255).

3 is a diagram illustrating an information registration system for managing sales / purchase transaction details according to an exemplary embodiment of the present invention.

In more detail, in FIG. 3, a customer (for example, a franchise owner, etc.) who has opened a financial account through the account opening system of FIG. 1 uses the information registration interface to manage the sales / purchase transaction details. When providing merchant transaction history management information including at least one of merchant information, financial account information, customer account information, and purchaser information, the merchant information and financial account information included in the merchant transaction history management information provided by the information registration system. , Which relates to a system configuration for linking and processing the sales information and the purchasing information to a predetermined storage medium 330. If a person having ordinary knowledge in the technical field to which the present invention pertains is referred to or modified with reference to FIG. It would be possible to infer various implementation methods for the establishment of the information registration system for the management of purchase transactions. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing, in the storage medium 330, merchant transaction history management information provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. The component is referred to as "information registration server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the information registration system for managing sales / purchase transactions includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 300 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 300 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When the merchant transaction history management information for the sales / purchase transaction history is input (or selected) through at least one user interface provided by the registration server 300, the client terminal registers the information through a predetermined network means. It is preferable to transmit to the information registration server 300 provided on the system.

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

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

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

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

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the information registration server 300. The customer performs a function of an information registration interface for registering the merchant transaction history management information for the sales / purchase transaction history management.

The storage medium 330 provided on the information registration system according to the present invention is the processing associated with the merchant information, financial account information, customer information, purchase information included in the merchant transaction history management information provided from the information registration terminal. And store at least one of the affiliated store information, financial account information, customer account information, and purchaser information stored in the storage medium 330. Used to manage sales / purchase transactions.

The affiliated store information preferably includes at least one of a name, an affiliated store number, an address, a telephone number, etc. of an affiliated store operated by the customer.

Preferably, the financial account information includes an account number corresponding to a financial account opened by the customer name (or affiliate store name) registered by the customer for management of merchant sales / purchase transaction details.

Preferably, the account information includes the name of a client, a transaction account number, etc., in which the sales of the affiliated store are generated.

The purchase destination information preferably includes a name of a customer, a transaction account number, etc., in which the purchase of the affiliated store occurs.

According to one embodiment of the invention, the storage medium 330 is preferably provided in the DBMS provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 May be a predetermined database or virtual ledger associated with the DBMS, whereby the present invention is not limited.

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based application program) provided by the information registration server 300, the interface unit 305 and the client terminal based on the CDMA protocol It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined merchant transaction history management information from the information registration terminal in association with the information registration terminal; An information receiving unit 315 for receiving predetermined merchant transaction history management information input (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the interface unit 305, and the received merchant transaction history; Save information stored in a predetermined storage medium 330 by linking and processing the merchant information, financial account information, customer information, and purchase information included in management information. Characterized in that formed by having a portion (325).

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Create a predetermined user interface capable of inputting (or selecting) merchant transaction management information to the information registration server 300 through the network means, or extracting from a predetermined database (not shown), and extracting the interface. In operation 305, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) blind point transaction history management information including at least one of the affiliate store information, the financial account information, the customer information, and the purchase information, based on the user interface, and the input (or Selected) stores the merchant transaction history management information to the information registration server 300 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the merchant transaction history management information to the information registration terminal and transmitting the information to the information registration server 300 through the network means. If the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, thereby the present invention is not limited.

The information receiving unit 315 inputs (or selects) merchant transaction history management information including at least one of merchant information, financial account information, customer account information, and purchase destination information through the user interface at the information registration terminal. When transmitting through, it is characterized in that for receiving the merchant transaction history management information in conjunction with the interface unit 305, and provides the received merchant transaction history management information to the validity check unit 320.

The validity verification unit 320 is characterized by checking whether the merchant transaction history management information received from the information registration terminal satisfies the validity for the sales / purchase transaction history management.

According to an exemplary embodiment of the present invention, validation of the affiliated store transaction management information may be performed in the storage medium 330 (or D / B) associated with the information registration system and the affiliated store transaction management information. It is preferable to include checking whether at least one matching information is registered.

For example, the validation of the affiliated store transaction management information may be performed in a storage medium 330 (or D / B) associated with (or provided) the affiliated store information included in the affiliated store transaction management information. It is desirable to include verifying that it matches the stored information.

In addition, the validity of the merchant transaction history management information is determined by the storage medium 330 (or D / B) in which the financial account information included in the merchant transaction history management information is associated with (or provided with) the information registration system. It is preferable to include a check that matches the information stored in.

When the validity of the affiliated store transaction management information is confirmed, the information storage unit 325 processes the affiliated store information, financial account information, customer information, and purchaser information included in the affiliated store transaction management information in association with the storage medium ( And the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300. 325 is preferably stored in the storage medium 330 by integrating the merchant information, financial account information, customer account information, purchase destination information included in the received merchant transaction history management information.

4 is a diagram illustrating a process of registering affiliate store transaction management information for sales / purchase transaction management according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 to connect the communication channel for registering the merchant transaction history management information according to the present invention, through the communication channel to the information registration server 300, the merchant information, financial account information, sales office When the affiliated store transaction management information including information and purchaser information is transmitted, the affiliated store information, financial account information, vendor information, and purchaser information included in the received merchant transaction history management information are linked from the information registration server 300. The present invention relates to a method of processing and storing the same in a predetermined storage medium 330, which is commonly known in the art. If you have, it will be able to infer various implementation methods for registering the merchant transaction history management information from the client terminal to the information registration server 300 by referring to or modifying this figure 4, the present invention is all inferred It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The merchant information, financial account information, customer information, and purchase information transmitted to the server 300 is referred to as "merchant transaction history management information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the affiliated store transaction management information by connecting to the server through a communication network or an IEEE 802.16x based portable Internet, etc., and managing the affiliated store transaction for managing the sales / purchase transaction details. When requesting information registration (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the merchant transaction history management information (405), and generates the web page through the communication channel ( Alternatively, the extracted web page is transmitted to the terminal for output (410).

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

In addition, the web page transmission or output process is preferably performed at least once according to the merchant transaction history management information registration procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) merchant transaction history management information including at least one merchant information, financial account information, customer account information, and purchaser information through the information registration interface (415).

If the terminal enters (or selects) merchant transaction history management information including the merchant information, the financial account information, the customer information, and the purchaser information through the information registration interface (420), the terminal communicates through the communication channel. The inputted (or selected) merchant information, financial account information, customer information, and purchase information is transmitted to the server (425).

According to an embodiment of the present invention, transmitting the input (or selection) of merchant information, financial account information, customer information, and purchase information to the server is input (or selected) through the information registration interface. The method may further include transmitting the electronic signature or the encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the affiliated store information, the financial account information, the customer information, and the purchaser information through the communication channel to check the validity of the affiliated store transaction management information (430).

According to an exemplary embodiment of the present invention, checking the validity of the affiliated store transaction management information may include managing the affiliated store transaction history when the affiliated store transaction management information is electronically signed or encrypted through a security module provided in the terminal. Decoding the information, or may further comprise decoding the merchant transaction history management information.

According to an exemplary embodiment of the present invention, validation of the affiliated store transaction management information may be performed in the storage medium 330 (or D / B) associated with the information registration system and the affiliated store transaction management information. It is preferable to include checking whether at least one matching information is registered.

For example, the validation of the affiliated store transaction management information may be performed in a storage medium 330 (or D / B) associated with (or provided) the affiliated store information included in the affiliated store transaction management information. It is desirable to include verifying that it matches the stored information.

In addition, the validity of the merchant transaction history management information is determined by the storage medium 330 (or D / B) in which the financial account information included in the merchant transaction history management information is associated with (or provided with) the information registration system. It is preferable to include a check that matches the information stored in.

If the validity of the merchant transaction history management information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), and the merchant transaction history management information. Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the merchant transaction history management information is authenticated (435), the server performs the information registration procedure corresponding to the merchant transaction history management information, the merchant information, financial account information, customer information, purchase information In operation 445, the data is stored in a predetermined storage medium 330.

According to one embodiment of the invention, the storage medium 330 is preferably provided in the DBMS provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 May be a predetermined database provided in the DBMS or linked thereto, and the present invention is not limited thereto.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the affiliated store transaction management information transmitted from the terminal.

5 is a diagram illustrating a ticket purchase processing system according to an embodiment of the present invention.

In more detail, Figure 5 is a customer (for example, merchants, etc.) who opened a financial account through the account opening system of Figure 1 to manage the transaction history, sales / purchase-related transactions among the transaction history generated through the financial account In order to provide merchant transaction history management information through the information registration system shown in FIG. 3, the virtual ledger 560 for managing sales / purchase related transaction history of the customer using the provided merchant transaction history management information is provided. ), In the process of managing the sales / purchase-related transaction history of the transaction generated through the financial account using the generated virtual ledger 560, the payment approval history of the customer (merchant) is not paid It is regarded as the sales transaction history, and included in the sales transaction history on the virtual ledger 560, and then a system configuration for processing the purchase of the document for the payment approval details. As one of those skilled in the art to which the present invention pertains, the purchase or purchase transaction processing system for the sales / purchase transaction history management and bill purchase request including the unpaid sales transaction history by referring to or modifying the figure 5 Various implementation methods (e.g., implementation methods in which some components are omitted, subdivided, or combined) may be inferred, but the present invention includes all implementation methods inferred from the above, and is illustrated in FIG. It is not limited to the method alone.

That is, the voucher purchase processing system including the virtual ledger 560 according to the present invention may be provided in a VAN company, or in a specific institution associated with the VAN company, and the server 500 on the voucher purchase processing system is In order to synchronize the virtual ledger 560 generated for managing sales / purchase-related transaction history of the customer (merchant) and the account ledger on the financial system, transaction history information for managing the sales / purchase-related transaction history is periodically provided. Characterized in that it is provided, but characterized in that the payment approval history as the unpaid sales transaction history to include on the virtual ledger 560, but is not limited thereto.

In addition, the voucher purchase processing system, according to the intention of those skilled in the art reveals that the financial system can periodically provide transaction history information corresponding to the account requested (or registered) by the server 500.

Hereinafter, a virtual ledger 560 for managing sales / purchase-related transaction details of the customer (merchant) is linked to the account ledger on the financial system that opened the financial account on the document purchase processing system shown in FIG. After the payment is approved, the payment transaction details are included in the virtual ledger 560, the bill purchase request for the payment approval details is processed, and the sales / purchase through the operation of the virtual ledger 560. Components corresponding to at least one or more means or functional configurations for providing the relevant transaction details to the customer are referred to as " server 500 " for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, a slip purchase processing system for managing sales / purchase transactions including the payment approval details as unpaid sales transactions and included in the virtual ledger 560 may include the above drawings. A customer who opens a financial account for sales / purchase transaction history management through the financial account opening system shown in 1 is provided with the sales / purchase transaction details managed through the operation of the virtual ledger 560 of the document purchase processing system. And at least one wired terminal or a wireless terminal, wherein the customer terminal has a communication channel with a server 500 provided on the ticket purchase processing system through a communication network including at least one wired or wireless communication network. Connected.

In addition, the voucher purchase processing system is characterized in that the communication channel is connected to the financial system having a customer financial account ledger opened through the financial account opening system shown in Figure 1 and a dedicated network or a financial network.

The server 500 provided on the ticket purchase processing system according to the present invention is a generic term for the component of the ticket purchase processing system connected to the financial system through a communication network, and includes one or more servers 500 (or devices). Or one or more programs recorded on a recording medium provided in the server 500 (or apparatus), and it will be apparent that the present invention is not limited thereto.

According to an embodiment of the present invention, the server 500 is a web server 500 linked to a financial institution to which the client terminal is connected, or a program provided in the web server 500, or the web server. A server 500 (or device) on a ledger system (or financial system or VAN system) accessible through 500 or on a ledger system (or financial system or VAN system) accessible through the web server 500. It is preferable to include it, and this invention is not limited by this.

Referring to FIG. 5, the server 500 manages the sales / purchase transaction history associated with the financial account based on the merchant transaction history management information registered by the customer (merchant) through the information registration system of FIG. 3. And a virtual ledger generation unit 505 (or virtual ledger 560 generating means) for generating the ledger 560.

According to the exemplary embodiment of the present invention, the virtual ledger generation unit 505 registers the affiliated store transaction history management information including the affiliated store information, the financial account information, the seller information, and the purchaser information, when the customer (the affiliated store) registers the registered affiliated store. The virtual ledger 560 may be generated on the financial system based on the transaction history management information for interworking with the actual financial account of the customer.

According to the implementation method of the present invention, the virtual ledger 560 corresponds to a financial account registered by the customer (merchant), so that the financial account is operated on the financial system, and is deposited from the account of the beneficiary from the financial system. It is characterized in that it serves as a storage medium (or database) for selectively receiving and storing only the details, which are withdrawn to the account of the purchase destination.

Referring to FIG. 5, the server 500 is a virtual ledger 560 generated in association with the financial system and an actual customer ledger on the financial system. Merchants) virtual ledger processing unit 510 (or virtual ledger 560 processing means) for selectively synchronizing the details deposited from the account of the paying party corresponding to the merchant transaction history management information registered by the merchant, and the details withdrawn to the account of the purchaser; It is characterized by comprising a.

According to the implementation method of the present invention, the virtual ledger processing unit 510 corresponds to the financial account registered by the customer (merchant), only the deposit history from the account registered as the customer and the withdrawal history to the account registered as the purchase destination; By periodically requesting to receive, the virtual ledger 560 is updated by receiving the payment history from the payer account and the withdrawal history to the purchaser account corresponding to the financial account provided from the financial system.

In addition, according to another embodiment of the present invention, the virtual ledger processing unit 510 registers the financial account information registered by the customer (merchant), the account information registered as a paying party in correspondence with the financial account and the account information registered as a purchase destination. The virtual ledger 560 may be updated by registering with the system and receiving the payment history from the payer account corresponding to the financial account and the withdrawal history to the purchaser account from the financial system.

In addition, according to another embodiment of the present invention, when the server 500 is provided in the financial system, the virtual ledger processing unit 510 from the account holder of the financial account corresponding to the financial account from the ledger of the financial account; It is characterized in that the virtual ledger 560 is updated by checking (or extracting) the deposit history and the withdrawal history to the purchase destination account.

Referring to FIG. 5, the server 500 is connected to an affiliated store terminal or a VAN company server 500 to confirm an approval history confirmation unit 515 (or approval history confirming means) for confirming payment approval details processed at the affiliated store. It characterized by comprising a.

The approval history confirmation unit 515 periodically checks the approval number, approval date, merchant number, terminal number, transaction amount, the purchase information of the slip for the payment that has been successfully approved payment confirmation, the confirmation The approved number, date and time of approval, merchant number, terminal number, transaction amount, the information of the purchase company information is provided to the unpaid sales processing unit 520 and the bill purchase claim unit 525.

Referring to FIG. 5, the server 500 regards the payment approval history confirmed through the approval confirmation unit 515 as an unpaid sales item, and includes the unpaid sales processing unit on the generated virtual ledger 560. 520 (or unpaid sales processing means).

The unpaid sales processing unit 520 classifies the payment approval details confirmed through the approval confirmation unit 515 into a corresponding seller (slip purchase company or card company), checks the payment approval amount, and checks the virtual ledger 560 on the virtual ledger 560. It is characterized in that to be stored in association with the customer information.

Referring to FIG. 5, when the confirmed payment approval details are processed as unpaid sales and recorded as sales transactions in the virtual ledger 560, the payment approval details are transferred to the corresponding purchase company (or card company). It is characterized in that it is provided with a slip purchase billing unit 525 (or slip purchase billing means) for periodically providing a bill purchase.

Referring to FIG. 5, the voucher purchase processing system includes a client terminal including at least one wired terminal or a wireless terminal used by the customer (merchant) to check the sales / purchase transaction details through the operation of the virtual ledger 560. Characterized in that it comprises at least one information request terminal, the information registration terminal is connected to the communication channel and the server 500 provided on the ticket purchase processing system through a predetermined network means.

According to one embodiment of the invention, the customer (merchant) is connected to the server 500 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, When the merchant 500 inputs (or selects) the merchant sales / purchase details confirmation request information for confirming the sales / purchase transaction details through at least one user interface provided by the server 500, the client terminal transmits the information through a predetermined network means. It is preferable to transmit to the server 500 provided on the slip purchase processing system.

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

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

The network means for connecting the client terminal and the server 500 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless data communication network, depending on the type of wireless communication network to which the client terminal is connected. Either one of the above, or it is preferable to include 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 server 500, and inputs or selects at least one or more information through the user interface to transmit the selected information to the server 500 (eg, , A browser program and a communication function, or a predetermined communication program and a communication function to communicate with the server 500 are preferably provided.

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

In the slip purchase processing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the server 500. The customer performs a function of an information providing interface for receiving the merchant sales / purchase history confirmation request information for confirming the sales / purchase transaction details.

According to an embodiment of the present invention, the affiliated store sales / purchase history confirmation request information includes the financial account information and the affiliated store's unique information, the merchant financial account information, and the sales / purchase history confirmation period information that registered the account and the account of the purchaser / purchaser. desirable.

The server 500 provided on the ticket purchase processing system according to the present invention is a generic term for the ticket purchase processing system side components connected to the information request terminal through a predetermined network means, and includes at least one server 500. (Or a device), or may be implemented as at least one or more programs recorded on a recording medium provided in a predetermined server 500 (or a device), by which the present invention is not limited.

According to the exemplary embodiment of the present invention, the server 500 is provided with an interface unit 530 (or interface means) for connecting and managing a predetermined communication channel with the information requesting terminal through the network means. do.

According to an embodiment of the present invention, when the information request terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 530 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 530 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the server 500, the interface unit 530 establishes a communication channel with the client terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information requesting terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 530 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 530 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip based application program) provided by the server 500, the interface unit 530 communicates with the client terminal based on the CDMA protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information request terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 530 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 530 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 5, the server 500 connects a communication channel with the server 500 through the interface unit 530 through a predetermined information request terminal, and then interworks with the interface unit 530 to provide the information. Interface providing unit 535 (or interface) for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending predetermined merchant sales / purchase history confirmation request information from the requesting terminal to the information requesting terminal. Providing means), and the information receiving unit 540 for receiving a predetermined merchant sales / purchase history confirmation request information that is input (or selected) and transmitted from the information request terminal through the user interface in conjunction with the interface unit 530. (Or information receiving means) and the affiliated store that has registered the financial account information and the seller / purchase account included in the received affiliated store sales / purchase history confirmation request information. The virtual ledger verification unit 550 (or the virtual ledger 560 checking means) for confirming the virtual ledger 560 information corresponding to the unique information, the merchant financial account information, and the sales / purchase confirmation period information, and the confirmed sales It is characterized in that it comprises a transaction history providing unit 555 (or transaction history providing means) for providing the purchase transaction history information to the information requesting terminal.

The interface provider 535 connects a communication channel with the server 500 through the interface unit 530 through a predetermined information request terminal, and then responds to the affiliate store sales in response to the functional configuration provided in the information request terminal. Generate a predetermined user interface that can input (or select) purchase confirmation information to be transmitted to the server 500 through the network means, or extract from a predetermined database (not shown), In operation 530, the generated (or extracted) user interface may be provided to the information requesting terminal through the network means.

Subsequently, the information request terminal manages at least one affiliate transaction history including at least one affiliate store specific information, an affiliate store financial account information, and a sales / purchase confirmation period information on which the financial account information and the customer / purchaser account are registered based on the user interface. Information is inputted (or selected), and the inputted (or selected) merchant sales / purchase history confirmation request information is transmitted to the server 500 through the network means.

According to an embodiment of the present invention, when the information requesting terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 535 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 530.

According to another embodiment of the present invention, when the information requesting terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 535 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 530.

According to another exemplary embodiment of the present invention, when the information request terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 535 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 530. desirable.

According to another exemplary embodiment of the present invention, the information requesting terminal includes at least one user interface for inputting (or selecting) the affiliated store sales / purchase history confirmation request information to the server 500 through the network means. When a predetermined information registration program is provided, the interface providing unit 535 for providing the user interface to the information request terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 540 includes at least one affiliated store's unique information, an affiliate store's financial account information, and sales / purchase history information registered at the information requesting terminal through the user interface. When the sales / purchase history confirmation request information is input (or selected) and transmitted through the network means, the affiliated store 530 receives the request for confirmation of purchase / purchase history information in association with the interface unit 530. Merchants sales / purchase history confirmation request information is provided to the validity verification unit 545.

The validity verification unit 545 is characterized by checking whether the merchant sales / purchase history confirmation request information received from the information request terminal satisfies the validity for providing the sales / purchase transaction details.

According to an exemplary embodiment of the present invention, the validation of the affiliated store sales / purchase history confirmation request information may be performed on the affiliated store sales / purchase history in a storage medium (or D / B) associated with (or equipped with) the ticket purchase processing system. It is preferable to include checking whether at least one information matching the confirmation request information is registered.

For example, the validity of the affiliated store sales / purchase history confirmation request information may be determined by the virtual ledger 560 in which the affiliated store information included in the affiliated store sales / purchase history confirmation request information is associated with (or provided with) the ticket purchase processing system. It is preferable to include checking whether or not match the information stored in (or the storage medium or D / B).

In addition, the validity of the affiliated store sales / purchase history confirmation request information is the virtual ledger 560 in which the financial account information included in the affiliated store sales / purchase history confirmation request information is associated with (or equipped) with the voucher purchase processing system. And / or checking whether the information matches the information stored in the storage medium or D / B.

When the validity of the affiliated store sales / purchase history confirmation request information is confirmed, the virtual ledger verification unit 550 registers the financial account information and the customer / purchaser account included in the received affiliated store sales / purchase history confirmation information. Characterized in the merchant specific information, merchant financial account information, sales / purchase history characterized in that the identification (or extraction) of the information in the virtual ledger 560 corresponding to period information.

The transaction history providing unit 555 may provide the sales / purchase transaction history information checked (or extracted) through the virtual ledger confirmation unit 550 to the information requesting terminal.

6 is a diagram illustrating a process of providing sales / purchase transaction history information through the operation of the virtual ledger 560 according to one embodiment of the present invention.

In more detail, FIG. 6 illustrates that a customer (for example, a franchise owner, etc.) who opened a financial account through the account opening system of FIG. 1 manages a transaction history related to sales / purchase of transactions generated through the financial account. In order to provide merchant transaction history management information through the information registration system shown in FIG. 3, the virtual ledger 560 for managing sales / purchase related transaction history of the customer using the provided merchant transaction history management information is provided. ), In the process of managing the sales / purchase-related transaction history of the transaction generated through the financial account using the generated virtual ledger 560, the payment approval history of the customer (merchant) is not paid Regarding the sales transaction history, and including the sales transaction history on the virtual ledger 560, the process of processing the purchase of the document for the payment approval history As a person of ordinary skill in the art to which the present invention pertains, the process of buying and selling transaction for sales / purchase transaction history and bill purchase request including the unpaid sales transaction history by referring to or modifying the drawing 6 Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the server 500 illustrated in FIG. 5 is referred to as a “server 500” for convenience, and the client terminal illustrated in FIG. 5 is referred to as a “terminal” for convenience. Merchants unique information, merchant financial account information, sales / purchase history confirmation period information registered in the financial account information and the account / purchaser account transmitted from the terminal to the server 500 is referred to as "merchant sales / purchase history confirmation request information" for convenience. do.

Referring to FIG. 6, after the merchant transaction management information is provided from the server 500 through the information registration system shown in FIG. 3, the sales / purchase related transaction of the customer using the provided merchant transaction history management information. The virtual ledger 560 for managing the details is generated (600).

When the virtual ledger 560 is generated, the server 500 of the virtual ledger 560 and the actual customer ledger on the financial system in association with the financial system, the customer is the information registration system of FIG. Through the process of selectively depositing the details deposited from the account of the paying party corresponding to the merchant transaction history management information registered by the customer (the affiliated store), the details withdrawn to the account of the purchaser (605).

According to the implementation method of the present invention, the server 500 periodically responds to the financial account registered by the customer (merchant), withdrawal details from the account registered as the payer and withdrawal details to the account registered as the purchaser to the financial system. By requesting to receive, the virtual ledger 560 to update the virtual ledger 560 by receiving the payment history from the account and the account corresponding to the financial account provided from the financial system received from the account.

In addition, according to another embodiment of the present invention, the server 500 provides the financial system with the financial account information registered by the customer (merchant), the account information registered with the paying party and the account information registered with the purchaser in the financial system. And register and receive the payment history from the paying account account corresponding to the financial account and the withdrawal history to the buying account from the financial system to update the virtual ledger 560.

In addition, according to another embodiment of the present invention, when the server 500 is provided in the financial system, the server 500 deposits from the account of the account corresponding to the financial account from the ledger of the financial account And updating (or extracting) the virtual ledger 560 by checking (or extracting) the withdrawal history to the purchase destination account.

On the other hand, the server 500 is connected to the affiliated store terminal or VAN company server 500, and periodically checks the payment approval history processed in the merchant (610).

According to an embodiment of the present invention, the server 500 periodically checks the approval number, approval date, merchant number, terminal number, transaction amount, and purchase company information for the payment that has been successfully processed. And, it is preferable to check the confirmed approval number, approval date, merchant number, terminal number, transaction amount, slip purchase company information.

When the payment approval details are confirmed (615), the server 500 regards the checked payment approval details as unpaid sales items and includes them on the generated virtual ledger 560 (620).

According to an exemplary embodiment of the present invention, the server 500 classifies the confirmed payment approval details into a corresponding seller (a purchase company or a card company), checks a payment approval amount, and corresponds to the corresponding seller information on the virtual ledger 560. It is characterized in that to be stored in association with the processing.

When the confirmed payment approval details are processed as unpaid sales and recorded as sales transaction details in the virtual ledger 560, the server 500 periodically provides the payment approval details to the corresponding purchase company (or card company) to purchase a slip. (625).

Subsequently, after the bill purchase request is successfully made (630), the customer (merchant) is connected to the server 500 to check the merchant sales / purchase transaction details through the operation of the virtual ledger 560, the merchant When connecting a predetermined communication channel for registering the sales / purchase history confirmation request information, and requests registration of the merchant / purchase history confirmation request information for confirming the sales / purchase transaction history (635), the server 500 Generates (or extracts) a web page corresponding to a predetermined information request interface for registering the affiliated store transaction management information (640), and transmits the generated (or extracted) web page to the terminal through the communication channel. And output (645).

According to an exemplary embodiment of the present invention, the information request interface includes at least one affiliate store-specific information, merchant store financial account information, sales / purchase history confirmation period information that registers the financial account information and the customer / purchaser account in the terminal. It is preferable to include a user interface for inputting (or selecting) the sales / purchase history confirmation request information.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the registration procedure of the merchant sales / purchase history confirmation request information, whereby the present invention is not limited.

Thereafter, the terminal acquires at least one merchant account / purchase history confirmation request information including at least one or more financial account information and merchant / purchasing account registration information, merchant bank account information, and sales / purchase confirmation period information through the information request interface. Enter (or select) 650.

If the terminal inputs the merchant sales / purchase history confirmation information including the merchant specific information, the merchant financial account information, and the sales / purchase confirmation period information, which register the financial account information and the seller / purchase account through the information request interface. If (or selected) (655), the terminal receives the input (or selection) of the financial account information and the merchant specific information registered merchant account / purchase account through the communication channel, merchant financial account information, sales / purchase history confirmation period information To transmit to the server 500 (660).

According to an embodiment of the present invention, through the communication channel through the input (or selected) financial account information and merchant / merchant account registration information registered merchant, merchant account information, sales / purchase history confirmation period information to the server ( 500), the electronic store signing or encrypting the merchant sales / purchase history confirmation request information input (or selected) through the information request interface and transmitting the electronic signature or encryption to the server 500 through a security module provided in the terminal. It may further comprise.

Thereafter, the server 500 receives and reads the affiliate store information, the financial account information, the seller information, and the purchase destination information through the communication channel to check the validity of the affiliate store transaction management information (665).

According to an embodiment of the present invention, confirming the validity of the affiliated store sales / purchase history confirmation request information is when the affiliated store sales / purchase history confirmation request information is electronically signed or encrypted through a security module provided in the terminal. The method may further include decoding the affiliated store sales / purchase history confirmation request information or decoding the affiliated store sales / purchase history confirmation request information.

According to an embodiment of the present invention, validation of the merchant sales / purchase history confirmation request information may be performed on the merchant sales / purchase history in a storage medium (or D / B) associated with (or equipped with) the ticket purchase processing system. It is preferable to include checking whether at least one information matching the confirmation request information is registered.

For example, the validity of the affiliated store sales / purchase history confirmation request information may be determined by the virtual ledger 560 in which the affiliated store information included in the affiliated store sales / purchase history confirmation request information is associated with (or provided with) the ticket purchase processing system. It is preferable to include checking whether or not match the information stored in (or the storage medium or D / B).

In addition, the validity of the affiliated store sales / purchase history confirmation request information is the virtual ledger 560 in which the financial account information included in the affiliated store sales / purchase history confirmation request information is associated with (or equipped) with the voucher purchase processing system. And / or checking whether the information matches the information stored in the storage medium or D / B.

If the validity of the affiliated store sales / purchase history confirmation request information is not authenticated (670), the server 500 generates a web page including predetermined information provision error information and transmits the generated webpage to the terminal (675). The information providing procedure corresponding to the affiliated store sales / purchase confirmation information is not performed.

On the other hand, if the validity of the merchant sales / purchase history confirmation request information is verified (670), the server 500 checks the transaction history information corresponding to the merchant sales / purchase history confirmation request information from the virtual ledger 560 (Or extracting) 680 and generating and transmitting a web page including transaction history information corresponding to the confirmed (or extracted) merchant sales / purchase history confirmation request information to the terminal (685). Complete the procedure of providing a sales / purchase transaction history corresponding to the merchant sales / purchase history confirmation request information sent from.

According to the present invention, by extracting (or confirming) only the sales / purchase transaction details of the affiliated store from the financial institution ledger and providing a separate virtual ledger to the company, the sales / purchase transaction of the merchant without cumbersome confirmation of deposit and withdrawal details through the financial institution. It has the advantage of easy history inquiry.

Claims (4)

Registering a bank account information and a bank account information for managing sales / purchase transaction details during a financial transaction through a financial account; Generating a virtual ledger for managing sales / purchase transaction details of the affiliated store in connection with the financial account ledger provided in the financial institution; In connection with the financial account ledger of the financial institution, receiving the sales / purchase transaction details from the financial transaction details of the financial account and including the transaction data in the generated virtual ledger; If the payment approval details are confirmed at the affiliated store in connection with an affiliated store terminal (or server), including the identified payment approval details as unpaid sales transaction details and including them in the generated virtual ledger; And And sending a payment approval statement included in the virtual ledger as the unpaid sales transaction history to the corresponding document purchaser and requesting the purchase of the document. The method of claim 1, Confirming, from the virtual ledger, details of affiliate store sales / purchase transactions for a specific period at the request of the affiliate store; And providing the confirmed merchant sales / purchase transaction details for the particular period to the affiliated store. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Virtual ledger generating means for generating a virtual ledger for managing sales / purchase transaction details of affiliated stores in association with a financial account ledger provided in a financial institution; Approval history confirmation means for confirming payment approval details at the affiliated store in association with an affiliated store terminal (or server); Unpaid sales processing means for considering the confirmed payment approval history as unpaid sales transaction history and including it in the generated virtual ledger; And Slips processing system using the virtual ledger, characterized in that comprises; the purchase payment means for claiming the purchase of the document by transmitting the payment approval details contained in the virtual ledger as the unpaid sales transaction history.

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