KR100918420B1 - Merchant payment method and system using communication network and recording medium therefor - Google Patents

Abstract

The present invention relates to a non-affiliated payment method and system using a communication network and a recording medium therefor, wherein the non-affiliated payment method using a communication network according to the present invention includes predetermined store information and deposit account information at a predetermined store terminal. Transmitting payment request information including at least one payment amount information and customer terminal information to a financial institution server, transmitting the payment request information from the financial institution server to a customer terminal corresponding to the customer terminal information; Transmitting, at the client terminal, predetermined customer account information and predetermined customer approval information to approve the withdrawal of the payment amount from the customer account and deposit the money into the deposit account; and the customer approval at the financial company server. Verify the information and withdraw the payment amount from the customer account; And a step of depositing a.

Unauthorized, Payment

Description

Non-affiliated payment method and system using a communication network and a recording medium therefor {System and Method for Payment Settlement for Non-Affiliation using Network and Program Recording Medium}

1 is a diagram illustrating a non-affiliated merchant information registration system in a face-to-face manner for a merchant-free payment through a communication network according to an embodiment of the present invention.

2 is a diagram illustrating a process of registering an affiliated store registration information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face non-affiliated merchant information registration system for non-affiliated payment through a communication network according to another exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering non-affiliated store registration information in a non-face-to-face manner for non-affiliated payment through a communication network according to an exemplary embodiment of the present invention.

5A and 5B illustrate a process of registering non-affiliated store registration information in a non-face-to-face manner for non-affiliated payment through a communication network according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a system for registering a customer payment means in a face-to-face manner for payment of an affiliated store through a communication network according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a process of registering customer payment means registration information in a face-to-face manner according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a non-face-to-face customer payment method registration system for non-affiliated payment through a communication network according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a process of registering customer payment means registration information in a non-face-to-face manner for non-affiliated payment through a communication network according to one embodiment of the present invention.

10A and 10B are views illustrating a process of registering customer payment means registration information in a non-face-to-face manner for payment of an affiliated store through a communication network according to another exemplary embodiment of the present invention.

11 is a block diagram of an affiliated store payment system configuration through a wire transfer method communication network according to an embodiment of the present invention.

12 is a diagram illustrating a process for requesting payment of an affiliated store without a bank transfer method according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a process for requesting a merchant-free payment of an account transfer method according to another exemplary embodiment of the present invention. FIG.

14 is a view showing a merchant payment settlement process of the account transfer method according to an embodiment of the present invention.

15 illustrates a configuration of an affiliated store payment system through a communication network of a card payment method according to an embodiment of the present invention.

16 is a diagram illustrating a non-affiliated payment request process of the card payment method according to an embodiment of the present invention.

17 is a diagram illustrating a non-affiliated payment request process of a card payment method according to another embodiment of the present invention.

18 is a view showing a merchant payment processing process of the card payment method according to an embodiment of the present invention.

<Description of main parts of drawing>

1100: Merchant payment server 1105: Interface unit

1110: interface providing unit 1115: information receiving unit

1120: information confirmation unit 1125: information transmission unit

1130: customer payment approval information receiving unit 1135: validation unit

1140: payment processing unit 1145: payment history storage unit

1150: Payment History D / B 1155: Store Information D / B

1160: payment method D / B 1175: store terminal

1180: customer terminal

The present invention comprises the steps of transmitting to the financial institution server payment request information including at least one of predetermined store information, payment account information, payment amount information and customer terminal information in a predetermined store terminal, the customer terminal information in the financial company server; Transmitting the payment request information to a customer terminal corresponding to a predetermined customer approval information for approving the withdrawal of the predetermined customer account information and the payment amount from the customer account and depositing the money into the deposit account. Transmitting the payment to the financial institution server, and authenticating the customer approval information at the financial institution server, withdrawing the payment amount from the customer account and depositing the payment amount into the deposit account. In providing.

Due to the continuous development of information and communication technology, offline electronic payment service using electronic payment means such as credit card has become commonplace, and online electronic payment service using electronic payment means such as credit card is online even as the communication infrastructure has been greatly expanded recently. Is activated.

However, in order to use the electronic payment service in an online or offline store, a merchant must contract a financial institution with at least one of bansa, a payment agency, or a card company, and a payment terminal (or payment) for providing the electronic payment service. Program).

On the other hand, in the case of on-site payments such as door-to-door sales and courier service and surrogate operation, which has recently increased rapidly, in order to use the electronic payment service, the payment terminal has a problem.

The present invention for solving the above problems correspond to a store terminal for transmitting payment request information including at least one or more predetermined store information, payment account information, payment amount information, and customer terminal information to a financial company server, and corresponding to the customer terminal information. A financial company server for transmitting the payment request information to a customer terminal, and predetermined customer account information and predetermined customer approval information for withdrawing the payment amount from the customer account and depositing the money into the deposit account to the financial company server. And a customer terminal configured to authenticate the customer approval information, withdraw the payment amount from the customer account, and deposit the payment amount into the deposit account. Is in.

The non-affiliated payment system using the communication network according to the present invention includes a store terminal for transmitting payment request information including at least one of predetermined store information, payment account information, payment amount information, and customer terminal information to a financial company server; A financial institution server for transmitting the payment request information to a client terminal corresponding to the client terminal information, and predetermined client account information, and predetermined client approval information for approving the withdrawal of the payment amount from the client account and depositing the deposit into the deposit account. And a customer terminal for transmitting to the financial company server, wherein the financial company server authenticates the customer approval information, withdraws the payment amount from the customer account, and deposits the money into the deposit account. .

On the other hand, the affiliated payment system using the communication network according to the present invention, the store terminal for transmitting the payment request information including at least one or more of the predetermined store information, payment account information, payment amount information and customer terminal information to the financial company server; A financial company server for transmitting the payment request information to a customer terminal corresponding to the customer terminal information, and predetermined customer approval information for approving payment of the payment amount through predetermined customer card information and the customer card. And a customer terminal for transmitting to a server, wherein the financial institution server generates a full payment approval request message including the customer card information, customer approval information, and payment amount information to correspond to the customer card. It is characterized by requesting the payment approval by transmitting to the card company server.

On the other hand, in the non-affiliated payment method using a communication network according to the present invention, a predetermined store information, payment request information including at least one store information, payment account information, payment amount information and customer terminal information to a financial company server Transmitting the payment request information from the financial institution server to the customer terminal corresponding to the customer terminal information; and withdrawing the predetermined amount of customer account information and the payment amount from the customer account at the customer terminal. Transmitting predetermined customer approval information for approving the deposit to a deposit account to the financial institution server, authenticating the customer approval information at the financial institution server, withdrawing the payment amount from the customer account and depositing it into the deposit account. Characterized in that it comprises a step.

On the other hand, in the non-affiliated payment method using a communication network according to the present invention, a predetermined store information, payment request information including at least one store information, payment account information, payment amount information and customer terminal information to a financial company server Transmitting the payment request information from the financial institution server to a customer terminal corresponding to the customer terminal information; and paying the payment amount through predetermined customer card information and the customer card at the customer terminal. Transmitting predetermined customer approval information to the financial institution server, and generating a payment approval request message including the customer card information, customer approval information, and payment amount information from the financial company server to correspond to the customer card. Transmitting to a predetermined card company server; and the customer card information from the card company server. And processing payment approval for the payment amount through the customer approval information, and processing the settlement of the payment amount for the payment amount, and depositing the payment amount into the payment account at the financial institution server. .

On the other hand, the present invention includes a recording medium that records a program for executing an affiliated payment method using the aforementioned communication network.

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

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

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

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

1 is a diagram illustrating a non-affiliated merchant information registration system of a face-to-face for a merchant-free payment through a communication network according to an embodiment of the present invention.

In more detail, in Figure 1, a representative (or representative) of a predetermined merchant registration request store (hereinafter, referred to as "store owner" for convenience) is provided to a merchant information registration system through a predetermined information registration interface without a predetermined merchant contract. If the non-affiliate registration information including at least one or more store information, business registration information, and deposit account information is provided for the non-affiliate payment through the communication network, the store included in the non-affiliated store registration information provided by the non-affiliated store information registration system. The system configuration for storing the information and the business registration information and the payment account information in a predetermined store information D / B (130), if the person having ordinary knowledge in the technical field to which the present invention belongs, For configuring the Merchant Information Registration System for Merchant Payment through a communication network by referring to and / or modifying Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, in the case of providing an affiliated store payment request information including the store information, a business registration information, and a deposit account information in each merchant terminal in the non-affiliate payment process through the communication network, the non-affiliated store information shown in FIG. The registration of the affiliated store registration information through a registration system may be omitted, and the present invention is not limited thereto. However, the affiliated store information registration system shown in FIG. 1 is a store side of the affiliated store settlement process through a communication network. Characterized in that to simplify the information input procedure.

Hereinafter, at least one or more means for storing, in the store information D / B 130, the unregistered store registration information provided from the store owner through a predetermined information registration interface on the unregistered store information registration system shown in FIG. Or the component corresponding to the functional configuration is referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an affiliated store information registration system for an affiliated store payment through the communication network includes an information registration terminal 135 including a counter terminal provided in at least one financial institution branch. The information registration terminal 135 is connected to the information registration server 100 provided on the merchant information registration system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the shop owner visits the financial institution branch for payment of an affiliated store through the communication network, and is free of charge through a communication network (or through a teller) provided at the financial institution branch. When a prescribed application for merchant payment (e.g., a document having a form for filling in at least one information item for merchant payment through a communication network) is prepared, and the completed application is submitted to the counter employee, the counter employee Inputs (or selects) information written in the application through a predetermined counter terminal, and the counter terminal transmits the input (or selected) information to the affiliated store information registration system through the financial network. It is preferable to transmit to the registration server 100.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 100 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 100. Do.

In the franchise information registration system as described above, an application created by the shop owner, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 100 are connected to the store owner. Performs a function of an information registration interface for registering an unregistered merchant registration information for the unregistered merchant payment.

The store information D / B 130 provided on the affiliated store information registration system according to the present invention includes the store information and the business registration information and the deposit included in the affiliated store registration information provided from the information registration terminal 135. It is characterized in that the account information is stored in a predetermined shop information D / B (130) by linking processing, at least one or more of the store information, business registration information and deposit account information stored in the shop information D / B (130) The affiliated merchant registration information that is included is used for the merchant affiliated payment through the communication network.

The store information may include store name information, store address information, store representative information, at least one conversion number (or fax number, or e-mail) for an online store (or offline store) providing non-affiliated store payment through the communication network. And at least one store contact information including an address, etc.).

The business registration information may include a business registration number of an online store (or an offline store) that provides payment to an affiliated store through the communication network, and a business registration certificate such as business status / item information of the store according to the intention of a person skilled in the art. It is preferred to include at least one or more information contained in.

Preferably, the deposit account information includes an account number, a financial institution code, and a depositor's name to which a payment amount corresponding to an unregistered store payment through the communication network is to be deposited, and the deposit account information is provided through the communication network under the depositor's name. It is preferable to include the financial account information opened in a financial institution that provides merchants settlement.

According to one embodiment of the invention, the shop information D / B (130) is preferably provided in a DBMS on a financial system provided on the affiliated store information registration system (or associated with the affiliated store information registration system). At this time, the shop information D / B 130 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby This is not limited.

According to another exemplary embodiment of the present invention, the store information D / B 130 is provided on (or associated with) the affiliated store information registration system, and / or a telebanking system, and / or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the affiliated store information registration system according to the present invention is a generic term for the components of the affiliated store information registration system connected to the information registration terminal 135 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or 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 information registration terminal 135 is a window terminal connected to a predetermined financial network, the information registration server 100 is connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 135 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the interface unit 105 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through a predetermined information registration terminal 135 through the interface unit 105, and then the interface unit ( In connection with 105, the information registration terminal 135 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined merchant registration information and providing the information registration terminal 135 to the user. An information receiving unit for receiving predetermined affiliated store registration information that is input (or selected) and transmitted from the information providing terminal 135 through the user interface in cooperation with the interface providing unit 110 and the interface unit 105 ( 115), a validity checking unit 120 for checking the validity of the received affiliated store registration information, and the store information and business registration included in the validated non-affiliated store registration information. Processes the beam and transfer the account information associated with is characterized in that formed in an information storage unit 125 to store a given store information D / B (130).

The interface providing unit 110 is a predetermined information registration terminal 135 is connected to the information registration server 100 and the communication channel through the interface unit 105, the information registration terminal 135 is provided Corresponding to the functional configuration, create a predetermined user interface that can input (or select) the merchant registration information and transmit it to the information registration server 100 through the financial network, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 105 to the information registration terminal 135 through the financial network.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the affiliated store registration information to the information registration terminal 135 and transmitting the information to the information registration server 100 through the financial network is provided. When a predetermined information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 135 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 135 inputs (or selects) non-affiliated store registration information including at least one of the store information, the business registration information, and the deposit account information based on the user interface, and the input (or the selection). The affiliated store registration information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) non-affiliated store registration information including at least one of store information, business registration information, and deposit account information through the user interface at the information registration terminal 135 and the financial network. When transmitting through, it is characterized in that for receiving the affiliated store registration information in conjunction with the interface unit 105, and provides the received affiliated store registration information to the validity check unit 120.

The validity confirming unit 120 checks whether the unregistered merchant registration information received from the information registration terminal 135 satisfies the validity for the unregistered merchant payment through the communication network.

According to an embodiment of the present invention, the validity check of the affiliated store registration information includes registering at least one ledger information matching the affiliated store registration information in a ledger D / B on a financial system associated with the affiliated store information registration system. It is preferable to include checking whether it is done.

For example, the validity check of the affiliated store registration information confirms whether the deposit account information included in the affiliated store registration information matches an account ledger stored in the ledger D / B on the financial system linked to the affiliated store information registration system. It is preferable to include what is included.

In addition, the validation of the merchant registration information includes checking whether the business registration information included in the merchant registration information includes a valid business registration number included in the tax object of the tax office (or IRS). It is preferable to make.

When the validity of the affiliated store registration information is confirmed, the information storage unit 125 processes the store information included in the affiliated store registration information, the business registration information and the deposit account information in association with the store information D / B 130. And store the information when the store information D / B 130 is provided in the information registration server 100 or on the network associated with the information registration server 100. The unit 125 preferably stores and stores the store information D / B 130 in the store information D / B 130 by linking and processing the store information, the business registration information, and the deposit account information included in the received affiliated store registration information. When the B 130 is provided in the DBMS provided on the financial system, the information storage unit 125 stores the shop information, the business registration information and the deposit account information included in the received non-affiliated store registration information on the financial system. versus Through the system to provide information to step it is preferably stored in a DBMS provided on the financial system.

2 is a diagram illustrating a process of registering an affiliated store registration information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which the information registration server on the affiliated store information registration system shown in FIG. 1 has a ledger server (not shown) function on a financial system linked to a counter terminal through a predetermined financial network. After the counter terminal connects to the information registration server and connects a communication channel for registering an affiliated store according to the present invention, the store information, business registration information and deposit account information are transmitted to the information registration server through the communication channel. When the affiliated store registration information is transmitted, the store information, business registration information and deposit account information included in the received affiliated store registration information are processed in association with the information registration server and stored in a predetermined store information D / B. As for the implementation method, those skilled in the art to which the present invention pertains, reference and / or modification of this figure 2 It can be inferred various implementation methods for registering the affiliated store registration information with the information registration server in the window terminal, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited.

Hereinafter, in Fig. 2, the window terminal shown in Fig. 1 is referred to as a “terminal” for convenience, and the information registration server shown in Fig. 1 is referred to as a “server” for convenience, and is transmitted from the window terminal to the information registration server. The store information, the business registration information and the deposit account information to be referred to as "unregistered merchant registration information" for convenience.

Referring to FIG. 2, a window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the affiliated store registration information, and sets up an affiliated store payment through the communication network. When requesting registration of the affiliated store registration information for the server (200), the server generates (or extracts) a predetermined information registration interface for registering the affiliated store registration information (205), and generates the connection through the communication channel. The data registration interface (or extracted) is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) non-affiliated store registration information including at least one of the store information, business registration information and deposit account information in the terminal. It is preferable.

Thereafter, the terminal inputs (or selects) non-affiliated store registration information including at least one or more store information, business registration information, and deposit account information through the information registration interface (215).

If the non-affiliated store registration information including the store information, the business registration information and the deposit account information is input (or selected) through the information registration interface (220), the terminal receives the input through the financial network ( Alternatively, the affiliated store registration information including the selected store information, the business registration information and the deposit account information is transmitted to the server (225).

Thereafter, the server receives and reads the store information, the business registration information and the deposit account information through the financial network to check the validity of the non-affiliated store registration information (230).

According to an embodiment of the present invention, the validity check of the affiliated store registration information includes registering at least one ledger information matching the affiliated store registration information in a ledger D / B on a financial system associated with the affiliated store information registration system. It is preferable to include checking whether it is done.

For example, the validity check of the affiliated store registration information confirms whether the deposit account information included in the affiliated store registration information matches an account ledger stored in the ledger D / B on the financial system linked to the affiliated store information registration system. It is preferable to include what is included.

In addition, the validity verification of the non-affiliate registration information is carried out including checking whether the business registration information contained in the non-affiliate registration information includes a valid business registration number included in the tax target of the tax office (or IRS). It is preferable.

If the validity of the affiliated store registration information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240), and the information registration procedure corresponding to the affiliated store registration information. Do not do it.

On the other hand, if the validity of the affiliated store registration information is authenticated (235), the server performs an information registration procedure corresponding to the affiliated store registration information, thereby linking the store information, the business registration information and the payment account information to predetermined Store information in the store D / B (245).

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

According to another exemplary embodiment of the present invention, the store information D / B is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the merchant information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the affiliated store registration information transmitted from the terminal.

3 is a diagram illustrating a non-face-to-face non-affiliated merchant information registration system for non-affiliated payment through a communication network according to another exemplary embodiment of the present invention.

In more detail, Figure 3 shows that a representative (or representative) of a given merchant registration request store (hereinafter referred to as "store owner" for convenience) is a merchant-free information registration system without a predetermined merchant contract through a predetermined information registration interface. If the non-affiliate registration information including at least one or more store information, business registration information, and deposit account information is provided for the non-affiliate payment through the communication network, the store included in the non-affiliated store registration information provided by the non-affiliated store information registration system. The system configuration for storing the information and the business registration information and the payment account information in a predetermined store information D / B (330), if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 3 For configuring the Merchant Information Registration System for Merchant Payment through a communication network by referring to and / or modifying Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, in the case of providing the merchant information, the business registration information and the deposit account information in the predetermined merchant payment request information at each store terminal in the process of the merchant free payment through the communication network, the merchant information shown in FIG. Registering the affiliated store registration information through a registration system may be omitted, whereby the present invention is not limited, but the affiliated store information registration system shown in FIG. Characterized in that to simplify the information input procedure.

Hereinafter, at least one or more means for storing, in the store information D / B 330, the unregistered store registration information provided from the store owner through a predetermined information registration interface on the unregistered store information registration system shown in FIG. Alternatively, the component corresponding to the functional configuration is referred to as "information registration server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an affiliated store information registration system for an affiliated store payment through the communication network includes a client terminal including at least one wired terminal and / or a wireless terminal used by a store owner. Characterized in that it comprises at least one or more information registration terminal 335, the information registration terminal 335 is an information registration server 300 provided on the affiliated store information registration system through a predetermined network means And communication channel are connected.

According to one embodiment of the present invention, the shop owner connects to the information registration server 300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the non-affiliate registration information for the non-affiliate payment is input through the at least one user interface provided by the information registration server 300 (or selected), the client terminal transmits the non-affiliated registration information through a predetermined network means. It is preferable to transmit to the information registration server 300 provided on the merchant information registration 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 includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless A wireless data communication terminal connected to the emitter, such as communication network preferably comprises at least one.

In addition, the information registration server 300 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 300 is a CDMA based mobile communication network and / or IEEE 802.16x based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind 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 information registration server 300, and inputs and / or selects at least one or more information through the user interface 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 and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the affiliated store information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the store owner, and at least one wireline connecting the client terminal and the information registration server 300. The communication network and / or the wireless communication network perform a function of an information registration interface for the store owner to register the affiliated store registration information for the merchant free payment through the communication network.

According to another exemplary embodiment of the present invention, the information registration terminal 335 is an automatic teller machine (ATM), a cash automatic, connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further comprise an automated teller machine (not shown) including a Cash Dispenser (CD), and / or a fixed line such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the telephone network, and / or a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or Or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and the present invention is not limited thereto.

In the franchise information registration system as described above, when the information registration terminal 335 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the information are provided. The financial network connecting the registration server 300 performs a function of an information registration interface for the merchant to register the affiliated store registration information for the merchant free payment through the communication network, and / or the information registration terminal 335 In the case of the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 300 may be used by the store owner. The financial device that performs the function of the information registration interface for registering the merchant registration information for the merchant-free payment through, and / or the information registration terminal 335 In the case of a terminal (and / or server) (not shown) provided in an organization affiliated with the terminal, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) are registered with the information. The network connecting the server 300 performs a function of an information registration interface for the store owner to register the affiliated store registration information for the affiliated store payment through the communication network.

The store information D / B 330 provided on the affiliated store information registration system according to the present invention includes the store information and the business registration information and the deposit included in the affiliated store registration information provided from the information registration terminal 335. It is characterized in that the linked account information to be stored in the predetermined shop information D / B (330), at least one or more of the store information, business registration information and deposit account information stored in the shop information D / B (330) The affiliated merchant registration information that is included is used for the merchant affiliated payment through the communication network.

The store information may include store name information, store address information, store representative information, at least one conversion number (or fax number, or e-mail) for an online store (or offline store) providing non-affiliated store payment through the communication network. And at least one store contact information including an address, etc.).

The business registration information may include a business registration number of an online store (or an offline store) that provides a merchant free payment through the communication network. Business registration such as business status / item information of the store according to the intention of the skilled person It is preferred to include at least one or more information included in the certificate.

Preferably, the deposit account information includes an account number, a financial institution code, and a depositor's name to which a payment amount corresponding to an unregistered store payment through the communication network is to be deposited, and the deposit account information is provided through the communication network under the depositor's name. It is preferable to include the financial account information opened in a financial institution that provides merchants settlement.

According to one embodiment of the present invention, the store information D / B 330 is preferably provided in a DBMS on a financial system provided on the affiliated store information registration system (or associated with the affiliated store information registration system). In this case, the shop information D / B 330 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the store information D / B 330 may be provided on (or associated with) the affiliated store information registration system, and / or a telebanking system, and / or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 300 provided on the affiliated store information registration system according to the present invention is a generic term for the components of the affiliated store information registration system connected to the information registration terminal 335 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the invention is not limited thereto. .

According to an embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 300 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 300 is the wireless Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 335 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 335 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 300 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the 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 335 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

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. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program 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 exemplary embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with 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 exemplary embodiment of the present invention, when the information registration terminal 335 is a financial automation device connected to a predetermined financial network, the interface unit 305 is based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the automated teller machine and using a communication protocol defined in a financial transaction related program included in the automated teller machine. Do.

According to another embodiment of the present invention, when the information registration terminal 335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 305 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another embodiment of the present invention, when the information registration terminal 335 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 305 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or two-way digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or two-way digital TV) to use at least one information ( Or data) communication interface for transmitting and receiving.

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through a predetermined information registration terminal 335 through the interface unit 305, and then the interface unit ( In operation 305, the information registration terminal 335 generates (or extracts) a predetermined user interface for inputting (or selecting) and sending predetermined merchant registration information to the information registration terminal 335. An information receiving unit for receiving predetermined merchant registration information input (or selected) and transmitted from the information providing terminal 335 through the user interface in cooperation with the interface providing unit 310 and the interface unit 305 ( 315) and an information storage unit 325 for storing the information on the store information D / B 330 by linking and processing the store information, the business registration information and the deposit account information included in the received merchant registration information. It is characterized by comprising.

The interface providing unit 310 is provided in the information registration terminal 335 after a predetermined information registration terminal 335 connects the communication channel with the information registration server 300 through the interface unit 305. A predetermined user interface capable of inputting (or selecting) the affiliated store registration information corresponding to the function configuration and transmitting the information to the information registration server 300 through the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 305 to the information registration terminal 335 through the network means.

Thereafter, the information registration terminal 335 inputs (or selects) non-affiliated store registration information including at least one of the store information, the business registration information, and the deposit account information based on the user interface, and the input (or selection). The affiliated store registration information is transmitted to the information registration server 300 through the financial network.

When the information registration terminal 335 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network according to an embodiment of the present invention, the interface providing unit 310 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 305 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a financial automation device connected to a predetermined financial network, the interface providing unit 310 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal 335 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / 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 335 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 310 is the call terminal (shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS-based user interface) through the interface unit 305 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 335 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 310 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 305. Do.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the affiliated store registration information to the information registration terminal 335 and transmitting the information to the information registration server 300 through the network means is provided. When a predetermined information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal 335 may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs (or selects) non-affiliated store registration information including at least one of store information, business registration information, and deposit account information through the user interface at the information registration terminal 335 to the network means. When transmitting through, it is characterized in that for receiving the affiliated store registration information in conjunction with the interface unit 305, and provides the received affiliated store registration information to the validity check unit 320.

The validity confirming unit 320 is characterized by checking whether the unregistered merchant registration information received from the information registration terminal 335 satisfies the validity for the unregistered merchant payment through the communication network.

According to an embodiment of the present invention, the validity check of the affiliated store registration information includes registering at least one ledger information matching the affiliated store registration information in a ledger D / B on a financial system associated with the affiliated store information registration system. It is preferable to include checking whether it is done.

For example, the validity check of the affiliated store registration information confirms whether the deposit account information included in the affiliated store registration information matches an account ledger stored in the ledger D / B on the financial system linked to the affiliated store information registration system. It is preferable to include what is included.

In addition, the validity verification of the non-affiliate registration information is carried out including checking whether the business registration information contained in the non-affiliate registration information includes a valid business registration number included in the tax target of the tax office (or IRS). It is preferable.

When the validity of the affiliated store registration information is confirmed, the information storage unit 325 processes the store information included in the affiliated store registration information, the business registration information and the deposit account information in association with the store information D / B 330. And store the shop information D / B 330 in the information registration server 300 or on the network associated with the information registration server 300. Storage unit 325 is preferably stored in the shop information D / B (330) by processing the link information store information and business registration information and deposit account information contained in the received merchant registration information, the shop information D If / B (330) is provided in the DBMS provided on the financial system, the information storage unit 325 is the financial system to store information, business registration information and deposit account information included in the received merchant registration information received On Pinterest It is preferable to provide the information system through the external system and store it in the DBMS provided on the financial system.

4 is a diagram illustrating a process of registering an affiliated store registration information in a non-face-to-face manner for settlement of an affiliated store through a communication network according to one embodiment of the present invention.

In more detail, FIG. 4 shows a case in which the information registration server on the affiliated store 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 a registration server and connecting a communication channel for registering an affiliated store according to the present invention, the merchant registration information including the store information, business registration information and deposit account information to the information registration server through the communication channel When transmitting the information, the information registration server to the store information contained in the received merchant registration information received and business registration information and deposit account information to process and store in a predetermined store information D / B, Those skilled in the art to which the invention pertains may refer to and / or modify this drawing. By way of example, various implementation methods for registering the affiliated store registration information from the client terminal to the information registration server may be inferred. However, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited.

Hereinafter, in FIG. 4, the client terminal shown in FIG. 3 is referred to as "terminal" for convenience, and the information registration server shown in FIG. 3 is called "server" for convenience, and is transmitted from the client terminal to the information registration server. The store information, the business registration information and the deposit account information to be referred to as "unregistered merchant registration 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 registration information by accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc., and registering the affiliated store for payment of the affiliated store through the communication network. When requesting information registration (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the affiliated store registration information (405), and generates (or retrieves) through the communication channel. 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) non-affiliated store registration information including at least one of the store information, business registration information and deposit account information in the terminal. It is preferable.

In addition, the web page transmission and / or output process is preferably performed at least one or more times in accordance with the merchant registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) non-affiliated store registration information including at least one or more store information, business registration information, and deposit account information through the information registration interface (415).

If the non-affiliated store registration information including the store information, the business registration information and the deposit account information is input (or selected) through the information registration interface in the terminal (420), the terminal receives the input through the communication channel ( Alternatively, the selected store information, business registration information and payment account information are transmitted to the server (425).

According to an embodiment of the present invention, the transmission (or selection) of the store information, the business registration information, and the deposit account information input through the communication channel to the server may be input (or selection) through the information registration interface. Further, the method may further include transmitting the unregistered merchant registration information to the server by electronic signature and / or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the store information, the business registration information and the deposit account information through the communication channel to confirm the validity of the affiliated store registration information (430).

According to an embodiment of the present invention, checking the validity of the affiliated store registration information may include: when the affiliated store registration information is electronically signed and / or encrypted through a security module provided in the terminal, the affiliated store registration information. Decrypting, and / or decrypting the affiliated store registration information may be made.

According to an embodiment of the present invention, the validity check of the affiliated store registration information includes registering at least one ledger information matching the affiliated store registration information in a ledger D / B on a financial system associated with the affiliated store information registration system. It is preferable to include checking whether it is done.

For example, the validity check of the affiliated store registration information confirms whether the deposit account information included in the affiliated store registration information matches the account ledger stored in the ledger D / B on the financial system linked to the affiliated store information registration system. It is preferable that it consists of including.

In addition, the validity verification of the non-affiliate registration information is carried out including checking whether the business registration information contained in the non-affiliate registration information includes a valid business registration number included in the tax target of the tax office (or IRS). It is preferable.

If the validity of the affiliated store registration 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 corresponds to the affiliated store registration information. Do not perform the information registration procedure.

On the other hand, if the validity of the affiliated store registration information is authenticated (435), the server performs an information registration procedure corresponding to the affiliated store registration information, thereby linking the store information, the business registration information and the payment account information predetermined Store in the store information D / B (445).

According to one embodiment of the invention, the store information D / B is preferably provided in a DBMS on a financial system provided on the merchant information registration system (or associated with the merchant information registration system), At this time, the store information D / B may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the store information D / B is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the merchant information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

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 registration information transmitted from the terminal.

5A and 5B illustrate a process of registering non-affiliated store registration information in a non-face-to-face manner for non-affiliated payment through a communication network according to another exemplary embodiment of the present invention.

In more detail, FIGS. 5A and 5B illustrate that the client terminal is based on TCP / IP in the case where the affiliated store information registration system shown in FIG. 3 is realized through an Internet banking system among non-face-to-face channel based banking systems. After accessing the Internet banking server through a network (for example, the Internet) and performing a predetermined member authentication procedure, the client terminal transfers predetermined affiliated store registration information to the Internet banking server for payment of an affiliated store through a communication network. When the affiliated store registration information including the store information, the business registration information, and the deposit account information is transmitted, the store information, the business registration information, and the deposit account information included in the received affiliated store registration information are linked by the information registration server. The present invention relates to an implementation method for processing and storing in predetermined store information D / B. Is a person having ordinary skill in the art, it is possible to infer various implementation methods for registering the affiliated store registration information from the client terminal to the information registration server by referring to and / or modified in the drawings 5a and 5b. However, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 5A and 5B. Based on the implementation method for connecting the Internet banking-based financial transaction channel for registering the merchant registration information between the client terminal and the Internet banking server, if the person of ordinary skill in the art to which the present invention belongs Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 5A and 5B and between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Merchants, etc. Although an implementation method of linking an internet banking-based financial transaction channel for information registration may be inferred, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby limiting the present invention. Not.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 5a and 5b, a telebanking system And / or a method of connecting a non-facing channel-based financial transaction channel for registration of an affiliated store registration in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. The system and / or wireless banking system and / or TV banking system and / or future non-face-to-face channel banking system, including all kinds of non-face-to-channel based financial transactions, including the technical configuration of the present invention 5a It is by no means limited to the case of Internet banking shown in FIG. 5B.

5A and 5B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server is referred to as " server " for convenience.

5A and 5B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (500a), the server communicates between the terminal and the server through the browser. (505a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (510a).

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

If a predetermined security module is to be installed and / or updated in the terminal (515a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (520a).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (525a), or if the terminal does not need to load and / or update the security module for internet banking (515a), the server may By activating the security module for internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (530a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, confirming the digital signature in the terminal and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (and / or decoding algorithm) corresponding to the rhythm), and the information to be provided from the terminal to the server for registration of the affiliated store registration information. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the terminal may provide the server to register the affiliated store registration information with the server. Attach certain electronic signatures to information (or data) and / or at least one or more Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature on the server and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking member authentication procedure through the browser program (535a).

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

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

Thereafter, the terminal inputs (or generates) predetermined member authentication data in response to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking member authentication. Request 540a, the server (and / or authentication server) authenticates the member accessing through the terminal as an Internet banking member for non-face-to-face channel based financial transactions based on the member authentication data received from the terminal. (545a).

If the Internet banking member authentication fails (550a), the server blocks the Internet banking security channel for the terminal (555a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking member authentication is successful (550a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (560a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined affiliated store registration information for settlement of an affiliated store through the communication network from the terminal to the server.

Subsequently, when the terminal requests internet banking-based affiliated store registration information registration to the server through the inter-banking-based financial transaction channel to register the affiliated store registration information (500b), the server registers the affiliated store registration information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (505b), and the generated (or extracted) web page is transmitted to the terminal and output through the internet banking-based financial transaction channel (510b). ).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) non-affiliated store registration information including at least one of store information, business registration information and deposit account information in the terminal. And / or a predetermined password (e.g., account password, etc.) and / or security code (e.g., for verifying the validity of an internet banking member requesting registration of the affiliated store registration information and / or the affiliated store registration information). OTP certification provided to a member by a financial institution, a security code printed on a security card issued to a member during the internet banking application process, and / or a one time password (eg, an internet banking application process (or after an internet banking application)). Interface (or one-time password generated through the OTP authentication program) is further included. It is desirable to.

In addition, the web page transmission and / or output process is preferably performed at least one or more times in accordance with the merchant registration information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) franchise registration information including at least one of the store information, the business registration information, and the deposit account information through the information registration interface (515b).

If the non-affiliate registration information including the store information, the business registration information and the deposit account information is input (or selected) through the information registration interface (520b), the terminal inputs the information through the financial transaction channel. (Or the selected) the affiliated store registration information is transmitted to the server (525b).

According to an embodiment of the present invention, transmitting the input (or selection) of the affiliated store registration information input through the financial transaction channel to the server may include registering the affiliated store registration information input (or selecting) through the information registration interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the affiliated store registration information through the financial transaction channel and checks the validity of the affiliated store registration information (530b).

According to an embodiment of the present invention, checking the validity of the affiliated store registration information may include: when the affiliated store registration information is electronically signed and / or encrypted through a security module provided in the terminal, the affiliated store registration information. Decrypting, and / or decrypting the affiliated store registration information may be made.

In addition, the verification of the validity of the affiliated store registration information, preferably further comprises authenticating the password and / or security code and / or OTP included in the affiliated store registration information.

According to an embodiment of the present invention, the validity check of the affiliated store registration information includes registering at least one ledger information matching the affiliated store registration information in a ledger D / B on a financial system associated with the affiliated store information registration system. It is preferable to include checking whether it is done.

For example, the validity check of the affiliated store registration information confirms whether the deposit account information included in the affiliated store registration information matches an account ledger stored in the ledger D / B on the financial system linked to the affiliated store information registration system. It is preferable to include what is included.

In addition, the validity verification of the non-affiliate registration information is carried out including checking whether the business registration information contained in the non-affiliate registration information includes a valid business registration number included in the tax target of the tax office (or IRS). It is preferable.

If the validity of the affiliated store registration information is not authenticated (535b), the server generates a web page including predetermined affiliated store registration information registration error information and transmits it to the terminal (540b), and the affiliated store registration Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the affiliated store registration information is authenticated (535b), the server performs an information registration procedure corresponding to the affiliated store registration information, so that the store information and business registration information and deposits included in the affiliated store registration information The account information is linked and stored in the predetermined shop information D / B (545b).

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

According to another exemplary embodiment of the present invention, the store information D / B is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the merchant information registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates a web page including predetermined affiliated store registration information registration history information and transmits the generated webpage to the terminal (550b), thereby completing registration of the affiliated store registration information transmitted from the terminal.

FIG. 6 is a diagram illustrating a system for registering a customer payment means in a face-to-face manner for a merchant-free payment through a communication network according to an exemplary embodiment of the present invention.

In more detail, Figure 6 is a predetermined customer through a predetermined information registration interface to the customer payment means registration system includes at least one or more customer information, customer terminal information and customer payment means information for the non-affiliate payment through the communication network If the customer payment means registration information is provided, the customer payment means registration system by linking the customer information and the customer terminal information and customer payment means information included in the provided customer payment means registration information predetermined payment means D / B Regarding the system configuration to store at 630, if those of ordinary skill in the art to which the present invention pertains, the customer payment means registration system for merchants payment through the communication network by referring to and / or modifying the Figure 6 Various implementation methods for the configuration may be inferred, but the present invention is intended to implement all It includes a method shall not be limited to the exemplary method shown in the figure 6.

For example, in the case of providing the customer payment means information to the predetermined customer payment approval information in each customer terminal in the payment process of the merchant-free through the communication network, the customer payment through the customer payment means registration system shown in FIG. The registration of the means registration information may be omitted, whereby the present invention is not limited, but the customer payment means registration system shown in FIG. 6 simplifies the customer-side information input procedure of the merchant payment process through the communication network. It is characterized by.

Hereinafter, at least one or more means for storing the customer payment means registration information provided from the customer in the payment means D / B (630) through a predetermined information registration interface on the customer payment means registration system shown in FIG. And / or a component corresponding to the functional configuration is referred to as " information registration server 600 " for convenience.

Referring to this figure 6 according to the embodiment of the present invention, the customer payment means registration system for the merchant-free payment through the communication network, the information registration terminal 635 including a teller terminal provided in at least one financial institution branch The information registration terminal 635 is connected to the information registration server 600 provided on the customer payment means registration system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch for payment of an affiliated store through the communication network, and receives no communication through a communication network (or through a teller) provided at the financial institution branch. When a prescribed application for merchant payment (e.g., a document having a form for filling in at least one information item for merchant payment through a communication network) is prepared, and the completed application is submitted to the counter employee, the counter employee Inputs (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal transmits the input (or selected) information to the customer payment means registration system through the financial network. It is preferable to transmit to the registration server 600.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 600 connected to the teller terminal is ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 600 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 600. Do.

In the customer payment means registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 600 are connected to the customer. It performs a function of an information registration interface for registering customer payment method registration information for merchants payment through.

The payment means D / B (630) provided on the customer payment means registration system according to the present invention and the customer information and the customer terminal information included in the customer payment means registration information provided from the information registration terminal 635 The customer payment means information is linked to the predetermined payment means D / B (630) characterized in that the storage means, the customer information stored in the payment means D / B (630), customer terminal information and customer payment means information Customer payment means registration information that includes at least one or more is used for the merchant-free payment through the communication network.

Preferably, the customer information includes personal information of the customer who purchased the tangible / intangible goods in the store (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc. of the customer). Member information (e.g., when the customer payment means includes predetermined customer account information, the member ID information, or CIF, provided in the customer ledger on the financial system by opening the customer account of the financial institution. (Customer Information File) number or, if the customer payment means includes predetermined customer card information, card company member information corresponding to the customer card, etc.) and the like.

The customer terminal information preferably comprises at least one communication means information owned by the customer (or used by the customer at the point of non-affiliate payment) to transmit the non-affiliate payment request information through a predetermined communication network.

According to one embodiment of the invention, the customer terminal information preferably comprises the customer owned wireless terminal information (for example, wireless terminal telephone number, or wireless terminal address information, etc.).

According to another exemplary embodiment of the present invention, the customer terminal information may include messenger ID information and mail for the customer to receive the affiliated store payment request information to confirm the affiliated store payment request information through a predetermined terminal device. It is preferable to include at least one or more address information.

The customer payment means information includes customer account information including the financial account information of the customer name opened in a predetermined financial institution, at least one credit card, check card, debit card, prepaid card issued by a predetermined card company It is preferable to include the customer card information including one or more.

Here, the customer account information preferably comprises at least one account number, financial institution code and account holder information for the financial account in the name of the customer to be withdrawn the payment amount contained in the merchant affiliated payment request information.

The customer card information may include at least one or more credit card information, check card information, debit card information, and prepaid card information owned by the customer who has processed the payment amount included in the non-member payment request information. Do.

According to one embodiment of the invention, the payment means D / B 630 is preferably provided in the DBMS on the financial system provided on the customer payment means registration system (or associated with the customer payment means registration system). In this case, the payment means D / B 630 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the payment means D / B 630 is an internet banking system, and / or a telebanking system provided on (or associated with) the customer payment means registration system, and / or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 600 provided on the customer payment means registration system according to the present invention is a generic term for the customer payment means registration system side components connected to the information registration terminal 635 and a predetermined financial network, It may be implemented by including at least one server (or device), and / or 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 information registration terminal 635 is a window terminal connected to a predetermined financial network, the information registration server 600 is connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the embodiment of the present invention, the information registration server 600 is characterized in that it comprises an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal 635 through the financial network. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 635 is a window terminal connected to a predetermined financial network, the interface unit 605 may be connected to the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 6, the information registration server 600 connects a communication channel with the information registration server 600 through a predetermined information registration terminal 635 through the interface unit 605, and then the interface unit ( In operation 605, the information registration terminal 635 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer payment means registration information to the information registration terminal 635. Information for receiving predetermined customer payment means registration information transmitted from the information providing terminal 635 through the user interface in connection with the interface providing unit 610 and the interface unit 605. Receiving unit 615, validity check unit 620 for checking the validity of the received customer payment means registration information, and the customer included in the customer payment means registration information is confirmed validity And an information storage unit 625 for storing the information, the customer terminal information, and the customer payment means information in a predetermined payment means D / B 630.

The interface providing unit 610 is provided in the information registration terminal 635 after a predetermined information registration terminal 635 connects the communication channel with the information registration server 600 through the interface unit 605. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the customer payment means registration information and transmitting it to the information registration server 600 through the financial network, and / or a predetermined database (shown in FIG. And extract the generated (or extracted) user interface in cooperation with the interface unit 605 to the information registration terminal 635 through the financial network.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the customer payment means registration information to the information registration terminal 635 and transmitting the information to the information registration server 600 through the financial network. When the predetermined information registration program is provided, the interface providing unit 610 for providing the user interface to the information registration terminal 635 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 635 inputs (or selects) customer payment means registration information including at least one of the customer information, the customer terminal information, and the customer payment means information based on the user interface, and the input ( Or the selected customer payment means registration information is transmitted to the information registration server 600 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 635 is a window terminal connected to a predetermined financial network, the interface providing unit 610 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 605.

The information receiving unit 615 inputs (or selects) customer payment means registration information including at least one of customer information, customer terminal information, and customer payment means information through the user interface at the information registration terminal 635. When transmitting through the financial network, the customer payment means registration information is received in conjunction with the interface unit 605, and provides the received customer payment means registration information to the validity verification unit 620.

The validity confirming unit 620 is characterized by checking whether the customer payment means registration information received from the information registration terminal 635 satisfies the validity for the merchant-free payment through the communication network.

According to an embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer account information, the validation of the customer payment means registration information is included in the customer payment means registration information It is preferable to include whether it is established in the financial system corresponding to the financial institution code corresponding to the customer account information corresponding to the customer payment means.

According to another exemplary embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer card information, the validity check on the customer payment means registration information may be performed on the customer payment means registration information. It is preferable that the card company corresponding to the customer card information corresponding to the customer payment means included to check whether the customer card issued to the customer.

When the validity of the customer payment method registration information is confirmed, the information storage unit 625 processes the customer information, the customer terminal information and the customer payment method information included in the customer payment method registration information by the payment means D / And store the payment means D / B 630 in the information registration server 600 or on the network associated with the information registration server 600. The information storage unit 625 is preferably stored in the payment means D / B (630) by processing the customer information, the customer terminal information and the customer payment means information included in the received customer payment means registration information, When the payment means D / B 630 is provided in the DBMS provided on the financial system, the information storage unit 625 is the customer information, customer terminal information and customer payment included in the received customer payment means registration information Sudan Information It is desirable to provide to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

7 is a diagram illustrating a process of registering customer payment means registration information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a case where the information registration server on the customer payment means registration system shown in FIG. 6 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. After the counter terminal accesses the information registration server and connects a communication channel for registering customer payment means information according to the present invention, the customer information, customer terminal information, and customer payment to the information registration server through the communication channel. When the customer payment means registration information including the means information is transmitted, the predetermined payment means by the customer registration information and the customer terminal information and the customer payment means information included in the received customer payment means registration information in the information registration server A method of storing in D / B, and a person of ordinary skill in the art to which the present invention pertains, By referring to and / or modifying page 7, it is possible to infer various implementation methods for registering the customer payment means registration information from the teller terminal to the information registration server, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the window terminal shown in FIG. 6 is referred to as "terminal" for convenience, and the information registration server shown in FIG. 6 is called "server" for convenience, and is transmitted from the window terminal to the information registration server. The customer information, the customer terminal information and the customer payment means information is referred to as "customer payment means registration information" for convenience.

Referring to FIG. 7, the teller terminal shown in FIG. 6 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the customer payment means registration information, and the affiliated store through the communication network. When requesting to register the customer payment method registration information for payment (700), the server generates (or extracts) a predetermined information registration interface for registering the customer payment method registration information (705), and establishes the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal through the output (710).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) customer payment means registration information including at least one of the customer information, customer terminal information, and customer payment means information in the terminal. It is preferable to make it.

Thereafter, the terminal inputs (or selects) customer payment means registration information including at least one or more customer information, customer terminal information, and customer payment means information through the information registration interface (715).

If the terminal inputs (or selects) customer payment means registration information including the customer information, the customer terminal information, and the customer payment means information through the information registration interface (720), the terminal transmits the information through the financial network. Customer payment means registration information including input (or selected) customer information, customer terminal information and customer payment means information is transmitted to the server (725).

Thereafter, the server receives and reads the customer information, the customer terminal information, and the customer payment means information through the financial network to check the validity of the customer payment means registration information (730).

According to an embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer account information, the validation of the customer payment means registration information is included in the customer payment means registration information It is preferable to include whether it is established in the financial system corresponding to the financial institution code corresponding to the customer account information corresponding to the customer payment means.

According to another exemplary embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer card information, the validity check on the customer payment means registration information may be performed on the customer payment means registration information. It is preferable that the card company corresponding to the customer card information corresponding to the customer payment means included to check whether the customer card issued to the customer.

If the validity of the customer payment method registration information is not authenticated (735), the server generates a predetermined information registration error information and transmits it to the terminal (740), the information registration corresponding to the customer payment method registration information Do not perform the procedure.

On the other hand, if the validity of the customer payment method registration information is authenticated (735), the server performs the information registration procedure corresponding to the customer payment method registration information, thereby linking the customer information and the customer terminal information and customer payment means information Processing is stored in the predetermined payment method D / B (745).

According to one embodiment of the invention, the payment means D / B is preferably provided in a DBMS on the financial system provided on the customer payment method registration system (or associated with the customer payment method registration system), At this time, the payment means D / B may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the payment means D / B is an Internet banking system, and / or a tele banking system, and / or a wireless banking system provided on (or associated with) the customer payment means registration system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (750), thereby completing the procedure of registering the customer payment means registration information transmitted from the terminal.

FIG. 8 is a diagram illustrating a non-face-to-face customer payment method registration system for non-affiliated payment through a communication network according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates that a predetermined customer includes at least one customer information, a customer terminal information, and a customer payment method information for a non-affiliated payment through the communication network to a customer payment method registration system through a predetermined information registration interface. When the customer payment means registration information is provided, the customer payment means registration system links the customer information, the customer terminal information, and the customer payment means information included in the provided customer payment means registration information to a predetermined payment means D / B. Regarding the system configuration to be stored at 830, a person having ordinary knowledge in the technical field to which the present invention belongs, the customer payment means registration system for merchants payment through the communication network by referring to and / or modified with reference to FIG. Various implementation methods for the configuration may be inferred, but the present invention is intended to implement all It includes a method shall not be limited to the exemplary method shown in the figure 8.

For example, in the case of providing the customer payment means information to the predetermined customer payment approval information in each customer terminal in the payment process of the affiliated store through the communication network, the customer payment through the customer payment means registration system shown in FIG. The registration of the means registration information may be omitted, whereby the present invention is not limited, but the customer payment means registration system shown in FIG. 8 simplifies the customer-side information input procedure of the merchant payment process through the communication network. It is characterized by.

Hereinafter, at least one or more means for storing customer payment means registration information provided from the customer in the payment means D / B (830) through a predetermined information registration interface on the customer payment means registration system shown in FIG. The component corresponding to the functional configuration is referred to as "information registration server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a customer payment means registration system for an affiliated store payment through the communication network includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. Characterized in that it comprises at least one information registration terminal 835, the information registration terminal 835 is an information registration server 800 provided on the customer payment means registration system through a predetermined network means And communication channel are connected.

According to an embodiment of the present invention, the customer accesses the information registration server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Input (or select) customer payment means registration information for the merchant-free payment through the communication network through at least one user interface provided by the information registration server 800, the client terminal through the predetermined network means It is preferable to transmit to the information registration server 800 provided on the customer payment method registration 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 includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or at least one kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless day It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

In addition, the information registration server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 800 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind 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 information registration server 800, and inputs and / or selects at least one or more information through the user interface to the information registration server 800. 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 800, 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 and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the customer payment means registration system as described above, the client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, and at least one wired to connect the client terminal and the information registration server 800 The communication network and / or the wireless communication network perform a function of an information registration interface for the customer to register customer payment means registration information for the non-affiliate payment through the communication network.

According to another exemplary embodiment of the present invention, the information registration terminal 835 is an automatic teller machine (ATM), a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the customer payment means registration system as described above, when the information registration terminal 835 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the The financial network connecting the information registration server 800 performs a function of an information registration interface for the customer to register customer payment means registration information for the non-affiliate payment through the communication network, and / or the information registration terminal ( If 835 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 800 may be used by the customer. Performing a function of an information registration interface for registering customer payment means registration information for the merchant-free payment through the communication network, and / or the information registration terminal 835 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the loan institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the The network connecting the information registration server 800 performs a function of an information registration interface for the customer to register customer payment means registration information for the merchant-free payment through the communication network.

The payment means D / B (830) provided on the customer payment means registration system according to the present invention and the customer information and customer terminal information included in the customer payment means registration information provided from the information registration terminal 835 Characterize and store the customer payment means information in a predetermined payment means D / B (830), and the customer information stored in the payment means D / B (830), customer terminal information and customer payment means information Customer payment means registration information that includes at least one or more is used for the merchant-free payment through the communication network.

Preferably, the customer information includes personal information of the customer who purchased the tangible / intangible goods in the store (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc. of the customer). Member information (e.g., when the customer payment means includes predetermined customer account information, the member ID information, or CIF, provided in the customer ledger on the financial system by opening the customer account of the financial institution. (Customer Information File) number or, if the customer payment means includes predetermined customer card information, card company member information corresponding to the customer card, etc.) and the like.

The customer terminal information preferably comprises at least one communication means information owned by the customer (or used by the customer at the point of non-affiliate payment) to transmit the non-affiliate payment request information through a predetermined communication network.

According to one embodiment of the invention, the customer terminal information preferably comprises the customer owned wireless terminal information (for example, wireless terminal telephone number, or wireless terminal address information, etc.).

According to another exemplary embodiment of the present invention, the customer terminal information may include messenger ID information and mail for receiving the blind spot payment request information by the customer to confirm the non-participant payment request information through a predetermined terminal device. It is preferable to include at least one or more address information.

The customer payment means information includes customer account information including the financial account information of the customer name opened in a predetermined financial institution, at least one credit card, check card, debit card, prepaid card issued by a predetermined card company It is preferable to include the customer card information including one or more.

Here, the customer account information preferably comprises at least one account number, financial institution code and account holder information for the financial account in the name of the customer to be withdrawn the payment amount contained in the merchant affiliated payment request information.

The customer card information may include at least one or more credit card information, check card information, debit card information, and prepaid card information owned by the customer who has processed the payment amount included in the non-member payment request information. Do.

According to one embodiment of the invention, the payment means D / B (830) is preferably provided in the DBMS on the financial system provided on the customer payment means registration system (or associated with the customer payment means registration system). In this case, the payment means D / B 830 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, the payment means D / B 830 is an Internet banking system, and / or a telebanking system provided on (or associated with) the customer payment method registration system, and / or wireless. It is possible to be provided in a DBMS on at least one banking system of a banking system, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the customer payment means registration system according to the present invention is a generic term for the customer payment means registration system side components connected to the information registration terminal 835 through a predetermined network means, It may be implemented by including at least one server (or device), and / or 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 information registration terminal 835 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 800 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 835 is a wired terminal (or two-way digital TV) connectable with a TV banking server on a predetermined TV banking system, the information registration server 800 is the A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 835 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 800, the interface unit 805 is connected with 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 exemplary embodiment of the present invention, when the information registration terminal 835 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the automated teller machine and using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. To provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 8, the information registration server 800 connects a communication channel with the information registration server 800 through a predetermined information registration terminal 835 through the interface unit 805, and then the interface unit ( In operation 805, the information registration terminal 835 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer payment means registration information to the information registration terminal 835. Information for receiving predetermined customer payment means registration information transmitted from the information registration terminal 835 through the user interface in connection with the interface providing unit 810 and the interface unit 805. Receiving unit 815, the customer information contained in the received customer payment method registration information and the customer terminal information and the customer payment means information to process and store in the predetermined payment means D / B (830) An information storage unit 825 is provided.

The interface providing unit 810 is provided in the information registration terminal 835 after a predetermined information registration terminal 835 connects the communication channel with the information registration server 800 through the interface unit 805. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the customer payment means registration information and transmitting the information to the information registration server 800 through the network means, and / or a predetermined database (shown in FIG. And extract the generated (or extracted) user interface in cooperation with the interface unit 805 to the information registration terminal 835 through the network means.

Thereafter, the information registration terminal 835 inputs (or selects) customer payment means registration information including at least one of the customer information, the customer terminal information, and the customer payment means information based on the user interface, and the input ( Or the selected customer payment means registration information is transmitted to the information registration server 800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 810 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided to the client terminal, and generates the generated (or extracted) user interface through the interface unit 805 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 835 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 835 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface provider 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the customer payment means registration information to the information registration terminal 835 and transmitting the information to the information registration server 800 through the network means. When a predetermined information registration program is provided, the interface providing unit 810 for providing the user interface to the information registration terminal 835 may be omitted, and the present invention is not limited thereto.

The information receiving unit 815 inputs (or selects) customer payment means registration information including at least one of customer information, customer terminal information, and customer payment means information through the user interface at the information registration terminal 835. When transmitting through a network means, the customer payment means registration information is received in conjunction with the interface unit 805, and provides the received customer payment means registration information to the validity verification unit 820.

The validity confirming unit 820 is characterized by checking whether the customer payment means registration information received from the information registration terminal 835 satisfies the validity for the merchant-free payment through the communication network.

According to an embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer account information, the validation of the customer payment means registration information is included in the customer payment means registration information It is preferable to include whether it is established in the financial system corresponding to the financial institution code corresponding to the customer account information corresponding to the customer payment means.

According to another exemplary embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer card information, the validity check on the customer payment means registration information may be performed on the customer payment means registration information. It is preferable that the card company corresponding to the customer card information corresponding to the customer payment means included to check whether the customer card issued to the customer.

When the validity of the customer payment method registration information is confirmed, the information storage unit 825 processes the customer information, the customer terminal information and the customer payment method information included in the customer payment method registration information by the payment means D / And store the payment means D / B 830 in the information registration server 800 or on a network associated with the information registration server 800. The information storage unit 825 preferably processes the customer information, the customer terminal information and the customer payment means information included in the received customer payment means registration information to store in the payment means D / B (830), When the payment means D / B (830) is provided in the DBMS provided on the financial system, the information storage unit 825 is the customer information, customer terminal information and customer payment included in the received customer payment means registration information Sudan Information Through the FEP system on the financial system provided to step information it is preferably stored in a DBMS provided on the financial system.

9 is a diagram illustrating a process of registering customer payment means registration information in a non-face-to-face manner for non-affiliated payment through a communication network according to an embodiment of the present invention.

In more detail, FIG. 9 shows a case where the information registration server on the customer payment means registration system shown in FIG. 8 has a web server function to which a client terminal can be connected through a predetermined network means. Connecting a communication channel for registering customer payment means information according to the present invention by accessing a registration server, and then including the customer information, customer terminal information, and customer payment means information to the information registration server through the communication channel. When the payment means registration information is transmitted, the information registration server performs a process of linking the customer information, the customer terminal information and the customer payment means information included in the received customer payment method registration information to store in a predetermined payment method D / B As to a method, one of ordinary skill in the art to which the present invention pertains, 9 and / or modified to infer various implementation methods for registering the customer payment means registration information from the client terminal to the information registration server, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the client terminal shown in FIG. 8 is referred to as "terminal" for convenience, and the information registration server shown in FIG. 8 is called "server" for convenience, and is transmitted from the client terminal to the information registration server. The customer information, the customer terminal information and the customer payment means information is referred to as "customer payment means registration information" for convenience.

Referring to Figure 9, the client terminal shown in Figure 8 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 customer payment means registration information by accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc., and for the customer blind payment through the communication network. When requesting to register means registration information (900), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the customer payment means registration information (905), and through the communication channel The generated (or extracted) web page is transmitted to the terminal for output (910).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) customer payment means registration information including at least one of the customer information, customer terminal information, and customer payment means information in the terminal. It is preferable to make it.

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

Thereafter, the terminal inputs (or selects) customer payment means registration information including at least one or more customer information, customer terminal information, and customer payment means information through the information registration interface (915).

If the terminal inputs (or selects) customer payment means registration information including the customer information, the customer terminal information, and the customer payment means information through the information registration interface (920), the terminal transmits the information through the communication channel. Input (or selected) the customer information, customer terminal information and customer payment means information is transmitted to the server (925).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, the customer terminal information, and the customer payment means information to the server through the communication channel is input (or selected) through the information registration interface. The electronic payment and / or encryption through the security module provided in the terminal can be made by transmitting the customer payment means registration information to the server.

Thereafter, the server receives and reads the customer information, the customer terminal information, and the customer payment means information through the communication channel to check the validity of the customer payment means registration information (930).

According to an embodiment of the present invention, checking the validity of the customer payment means registration information, if the customer payment means registration information is electronic signature and / or encrypted through the security module provided in the terminal, the customer payment Decrypting the means registration information, and / or decrypting the customer payment means registration information.

According to an embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer account information, the validity check of the customer payment means registration information, the customer payment means registration information It is preferable to include whether it is established in the financial system corresponding to the financial institution code corresponding to the customer account information corresponding to the included customer payment means.

According to another exemplary embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer card information, the validity check on the customer payment means registration information may be performed on the customer payment means registration information. It is preferable that the card company corresponding to the customer card information corresponding to the customer payment means included to check whether the customer card issued to the customer.

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

On the other hand, if the validity of the customer payment method registration information is authenticated (935), the server performs the information registration procedure corresponding to the customer payment method registration information, thereby linking the customer information, customer terminal information and customer payment method information The process stores the data in a predetermined payment method D / B (945).

According to one embodiment of the invention, the payment means D / B is preferably provided in the DBMS on the financial system provided on the customer payment means registration system (or associated with the customer payment means registration system), When the payment means D / B may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the payment means D / B is an Internet banking system, and / or a tele banking system, and / or a wireless banking system provided on (or associated with) the customer payment means registration system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (950), thereby completing the procedure of registering the customer payment means registration information transmitted from the terminal.

10A and 10B illustrate a process of registering customer payment means registration information in a non-face-to-face manner for payment without an affiliated store through a communication network according to another exemplary embodiment of the present invention.

In more detail, FIGS. 10A and 10B illustrate a case in which the client payment means registration system shown in FIG. 8 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet (eg, the Internet, etc.), the client terminal transmits predetermined customer payment means registration information for payment to an affiliated store through the communication network to the Internet banking server. When the customer payment means registration information including the customer information, customer terminal information and customer payment method information is transmitted, the customer information, customer terminal information and customer payment included in the customer payment method registration information received from the information registration server It relates to an implementation method of linking and processing means information to a predetermined payment method D / B. As one of ordinary skill in the art to which the present invention pertains, various implementations of registering the customer payment means registration information from the client terminal to the information registration server by referring to and / or modifying the drawings 10a and 10b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 10A and 10B.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 10A and 10B, the browser program Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the customer payment means registration information between the client terminal and the Internet banking server based on the present invention, if one of ordinary skill in the art Refer to and / or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 10A and 10B and between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal. On customer Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registration of a payment means registration information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 10a and 10b, a telebanking system And / or a method of connecting a non-facing channel-based financial transaction channel for registering customer payment method registration information in another banking system, such as a wireless banking system and / or a TV banking system, may be inferred. A banking system and / or a wireless banking system and / or a TV banking system and / or a non-face-to-face channel banking system, which will be proposed in the future, include all kinds of non-face-to-channel based financial transactions, and the technical configuration of the present invention is shown in FIG. It is not limited to the case of Internet banking shown in Figure 10b.

10A and 10B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server is referred to as " server " for convenience.

10A and 10B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1000a), the server communicates between the terminal and the server through the browser. (1005a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1010a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (1015a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1025a), or if the terminal does not need to install and / or update the Internet banking security module (1015a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1030a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the terminal may provide the server to register the customer payment means registration information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1035a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1040a), the server (and / or authentication server) authenticates the customer connected through the terminal as an internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1045a).

If the Internet banking customer authentication fails (1050a), the server blocks the Internet banking security channel for the terminal (1055a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1050a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (1060a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined customer payment means registration information for payment of an affiliated store through the communication network from the terminal to the server.

Subsequently, when the terminal requests internet banking based customer payment means registration information registration to the server through the inter-banking-based financial transaction channel to register customer payment means registration information (1000b), the server registers the customer payment means. A web page corresponding to a predetermined information registration interface for information registration is generated (or extracted) (1005b), and the web page generated (or extracted) is transmitted to the terminal through the internet banking-based financial transaction channel for output. 1010b.

According to an embodiment of the present invention, the information registration interface comprises an interface for inputting (or selecting) customer payment means registration information including at least one of customer information, customer terminal information, and customer payment means information in the terminal. Preferably, and / or a predetermined password (e.g., account password, etc.) and / or to verify the validity of the internet banking customer requesting registration of the customer payment method registration information and / or the customer payment method registration information. A security code (e.g., a security code printed on a security card issued to a customer during the internet banking application process) and / or a One Time Password (e.g., an internet banking application process (or after an internet banking application)) Enter a one-time password generated by the provided OTP authenticator (or OTP authentication program). It may further include a face.

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

Thereafter, the terminal inputs (or selects) customer payment means registration information including at least one of the customer information, the customer terminal information, and the customer payment means information through the information registration interface (1015b).

If the terminal inputs (or selects) customer payment means registration information including the customer information, the customer terminal information, and the customer payment means information through the information registration interface (1020b), the terminal receives the financial transaction channel. The input (or selected) customer payment means registration information is transmitted to the server (1025b).

According to an embodiment of the present invention, transmitting the customer payment means registration information input (or selected) to the server through the financial transaction channel, registers the customer payment means input (or selected) through the information registration interface. And transmitting the information to the server by digitally signing and / or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the customer payment means registration information through the financial transaction channel to check the validity of the customer payment means registration information (1030b).

According to an embodiment of the present invention, checking the validity of the customer payment means registration information, if the customer payment means registration information is electronic signature and / or encrypted through the security module provided in the terminal, the customer payment Decrypting the means registration information, and / or decrypting the customer payment means registration information.

According to an embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer account information, the validation of the customer payment means registration information is included in the customer payment means registration information It is preferable to include whether it is established in the financial system corresponding to the financial institution code corresponding to the customer account information corresponding to the customer payment means.

According to another exemplary embodiment of the present invention, when the customer payment means information included in the customer payment means registration information includes customer card information, the validity check on the customer payment means registration information may be performed on the customer payment means registration information. It is preferable that the card company corresponding to the customer card information corresponding to the customer payment means included to check whether the customer card issued to the customer.

If the validity of the customer payment method registration information is not authenticated (1035b), the server generates a web page including predetermined customer payment method registration information registration error information and transmits it to the terminal (1040b), the customer The information registration procedure corresponding to the payment means registration information is not performed.

On the other hand, if the validity of the customer payment method registration information is authenticated (1035b), the server performs an information registration procedure corresponding to the customer payment method registration information, the customer information and the customer terminal included in the customer payment method registration information The information is linked to the customer payment means information and stored in the predetermined payment means D / B (1045b).

According to one embodiment of the invention, the payment means D / B is preferably provided in a DBMS on the financial system provided on the customer payment method registration system (or associated with the customer payment method registration system), At this time, the payment means D / B may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the payment means D / B is an Internet banking system, and / or a tele banking system, and / or a wireless banking system provided on (or associated with) the customer payment means registration system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

Thereafter, the server generates a web page including predetermined customer payment method registration information registration history information and transmits the generated web page to the terminal (1050b), thereby completing the registration of the customer payment method registration information transmitted from the terminal.

Figure 11 shows a configuration of a merchant-free payment system through a wire transfer method communication network according to an embodiment of the present invention.

More specifically, FIG. 11 shows store information, business registration information, deposit account information, payment amount information, and customer terminal information through a predetermined communication network in a predetermined store terminal 1175 provided in a store on-offline without a predetermined merchant contract. 1180) If the non-affiliate payment request information including at least one information is transmitted, the server side provided in the financial institution providing the non-affiliated payment receives the non-affiliated payment request information, the payment information to the non-affiliated merchant request information; After transmitting the payment information of the affiliated store through a predetermined communication network based on the included information of the customer terminal 1180, the customer terminal 1180 includes at least one of customer information, customer account information and customer approval information. When the customer payment approval information is transmitted, the server side equipped with the financial institution withdraws the payment amount from the customer account (Or after a predetermined fee is settled) for a non-merchant payment system configuration that transfers to the deposit account, if the person of ordinary skill in the art belongs, refer to and / or modify this figure 11 to the account Various implementation methods for the configuration of a merchant-free payment system through a transfer method communication network may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features only by the implementation method shown in FIG. This is not limited.

Hereinafter, after receiving the merchant-less payment request information from the store terminal 1175 on the merchant-less payment system shown in FIG. 11 and transmitting it to the customer terminal 1180 through a predetermined communication network, the customer terminal 1180 Receive the customer payment approval information corresponding to the affiliated store payment request information from the at least one means and / or functional components for payment processing by account transfer method for convenience and " unauthorized store payment server 1100 " It is called.

As shown in FIG. 11, an affiliated store payment system for providing an affiliated store payment using an account transfer method includes at least one or more store terminals 1175 connected to a predetermined communication network, and an affiliated store transmitted from the store terminal 1175. After receiving payment request information and transmitting to the customer terminal 1180 through a predetermined communication network, and receives the customer payment approval information corresponding to the payment request information from the merchant affiliated from the customer terminal 1180 to pay by account transfer method The merchant-less payment server 1100 to process, and the banking system including the deposit account included in the merchant-free payment request information is characterized in that it is made.

The financial system may be configured to perform a computer processing process corresponding to a financial transaction (eg, a deposit transaction, withdrawal transaction, transfer transaction, etc.) service for an affiliated store payment through the communication network on the affiliated store payment system.

Generally, the financial system is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (eg, a branch network) to manage ledgers and compute for face-to-face financial transaction processing. It is desirable to provide a processing function.

The financial system may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or branch) of the financial institution, and / or at least one affiliated with the financial institution. At least one financial terminal provided in at least one other financial institution (or branch of another financial institution), and / or at least one financial terminal provided in a public place and connected through a predetermined financial network (eg, a CD common network) It is desirable to provide ledger management and computerized processing for non-face-to-face financial transactions.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet It is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with a laptop and / or a mobile terminal having a connection and browsing function).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Ledger management and computer processing function for non-face-to-face financial transaction processing in connection with System for Mobile terminal and / or PDA (Personal Digital Assistant) and / or Smart Phone and / or Telematics) It is desirable to provide.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or non-face-to-face finance in connection with at least one wireless terminal (e.g., wireless terminal equipped with a finance IC chip) connected to the IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. It is desirable to provide ledger management and computer processing functions for transaction processing.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., cellular and / or PCS) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network); / Or GSM terminal and / or smart phone, etc.) It is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ), It is desirable to provide ledger management and computerized processing for non-face-to-face financial transactions.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server In conjunction with terrestrial DMB terminals), it is desirable to provide ledger management and computerized processing for non-face-to-face financial transaction processing.

Referring to FIG. 11, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, TV banking, etc.) to the financial system, and / Is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), the financial system is the interface between components in the financial system Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

The store terminal 1175 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the merchant payment server 1100 and / or a code division multiple access (CDMA) based network. A mobile communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based mobile communication network, and / or a portable Internet terminal connected to a high-speed wireless Internet based on IEEE 802.16x, and / or a wireless LAN network based on IEEE 802.11x. Characterized in that it comprises at least one or more wireless terminals including at least one WLAN terminal, the store terminal 1175 is the Outputs at least one affiliated store payment request information input interface provided by the affiliated store payment server 1100 (or included in the affiliated store payment program provided in the store terminal 1175), and inputs the affiliated store payment request information The merchant affiliate payment server 1100 inputs (or selects) the merchant information request information including at least one of store information, business registration information, payment account information, payment amount information, and customer terminal 1180 information through an interface. It is desirable to have a functional configuration for transmitting to.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the shop terminal 1175 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the store terminal 1175 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the store terminal 1175 is a wireless terminal, the communication network The CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

The customer terminal 1180 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A mobile communication network based on at least one wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the merchant payment server 1100 and / or a code division multiple access (CDMA) based network. A mobile communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based mobile communication network, and / or a portable Internet terminal connected to a high-speed wireless Internet based on IEEE 802.16x, and / or a wireless LAN network based on IEEE 802.11x. Characterized in that it comprises at least one or more wireless terminals including at least one WLAN terminal, the customer terminal 1180 is Receive merchant information request information including at least one store information, business registration information, payment account information, payment amount information and customer terminal (1180) information from the merchant payment server 1100, the merchant payment server ( Outputting at least one customer payment approval information input interface provided by the 1100 (or included in the unregistered merchant payment program included in the customer terminal 1180), and the customer information and the customer through the customer payment approval information input interface; It is preferable that a function configuration for inputting (or selecting) customer payment approval information including at least one account information and customer approval information is transmitted to the affiliated store payment server 1100.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 1180 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the customer terminal 1180 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the customer terminal 1180 is a wireless terminal, the communication network The CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

According to the exemplary embodiment of the present invention, the merchant free payment server 1100 provides a communication interface corresponding to the store terminal 1175 and a communication network, and establishes a predetermined communication channel with the store terminal 1175 through the communication network. And an interface unit 1105 for connecting and managing the web, whereby the merchant payment server 1100 is connected to the store terminal 1175 through a wired communication network and / or a wireless communication network. It has the function of a server.

According to an embodiment of the present invention, when the store terminal 1175 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the interface unit 1105 may be connected to the store terminal 1175 and the HTTP ( Connecting a predetermined communication channel based on a Hyper-Text Transfer Protocol (IP) protocol, and entering the non-affiliated payment request information input interface in the form of a Hyper-Text Markup Language (HTML) compatible document to the store terminal 1175 through the communication channel; And / or transmits and outputs an information providing screen and receives and processes predetermined affiliated store payment request information input (or selected) through the affiliated store payment request information input interface from the store terminal 1175. desirable.

According to another exemplary embodiment of the present invention, when the store terminal 1175 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 1105 is connected to the store terminal 1175 and a WAP (Wireless). It connects a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the wireless terminal is connected to the store terminal 1175 via WML (Wireless Markup Language) and / or HTML compatible document. Transmits and outputs a merchant payment request information input interface and / or an information providing screen and receives and processes predetermined merchant payment information from the merchant terminal 1175 corresponding to the merchant payment request information input interface. It is desirable to.

According to another exemplary embodiment of the present invention, when the store terminal 1175 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1105 may be connected to the store terminal 1175. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit a predetermined affiliated store payment request information input interface and / or an information providing screen to the store terminal 1175 through the communication channel. And store and output a predetermined affiliated store payment request information corresponding to the affiliated store payment request information input interface from the store terminal 1175, and / or the store terminal 1175 When the communication channel is connected through the IEEE 802.11x based wireless communication network, the interface unit 1105 is connected to the store terminal 1175 and the IEE. Connect a predetermined communication channel based on a wireless protocol corresponding to the E 802.11x standard, and transmit a predetermined affiliated store payment request information input interface and / or information providing screen to the store terminal 1175 through the communication channel. It is preferable to perform a function for outputting and receiving and processing predetermined affiliated store payment request information corresponding to the affiliated store payment request information input interface from the store terminal 1175.

Referring to FIG. 11, the affiliated store payment server 1100 is connected with the interface unit 1105 when a predetermined store terminal 1175 connects to the affiliated store payment server 1100 through the interface unit 1105. Interface providing unit 1110 which generates (or extracts) a predetermined affiliated payment request information input interface for inputting (or selecting) predetermined affiliated payment request information from the store terminal 1175 and transmitting the same. And store information, business registration information, deposit account information, and payment amount information inputted (or selected) and transmitted from the merchant terminal 1175 through the non-affiliate payment request information input interface in association with the interface unit 1105. And an information receiving unit 1115 for receiving the affiliated store payment request information including at least one information of the customer terminal 1180.

The interface providing unit 1110 has a functional configuration (eg, provided in the store terminal 1175 when a predetermined store terminal 1175 is connected to the affiliated store payment server 1100 through the interface unit 1105). Pre-specified non-affiliated payment request information (or selected) corresponding to a browser program provided in the store terminal 1175, and transmits to the non-affiliated payment server 1100 through the communication network. Generate an information input interface and / or extract it from a predetermined database (not shown), and link the generated merchant payment request information input interface generated (or extracted) with the interface unit 1105 through the communication network. Characterized in that provided to the store terminal 1175.

Thereafter, the store terminal 1175 inputs (or selects) predetermined non-affiliate payment request information based on the non-affiliate payment request information input interface, and confirms that the non-affiliated payment information is input (or selected). When the store terminal 1175 transmits the input (or selection) of the affiliated store payment request information to the affiliated store payment server 1100 through the communication network.

Those skilled in the art to which the present invention pertains to, the merchant terminal 1175 through the at least one form (Form) form included in the merchant payment request information input interface in the merchant merchant request information (non-merchant) payment request Be familiar with the technical features of inputting (or selecting) and the technical features of transmitting the input (or selection) of the affiliated store payment request information input (or selected) through the communication protocol provided by the communication network. Therefore, detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, when the store terminal 1175 includes a predetermined affiliated store payment program including the affiliated store payment request information input interface, the interface unit 1105 stores the store terminal 1175. Providing the merchant-free payment request information input interface may be omitted, and the present invention is not limited thereto.

The store terminal 1175 receiving (or outputting) the merchant-free payment request information input interface receives the store information, the business registration information, the payment account information, the payment amount information, and the customer terminal through the merchant-free payment request information input interface. (1180) input (or select) the affiliated store payment request information including at least one information, and transmit the affiliated store payment request information to the affiliated store payment server 1100 through the communication network, wherein the information receiving unit ( 1115, in connection with the interface unit 1105, receives the affiliated store payment request information including at least one of the store information, the business registration information, the deposit account information, the payment amount information, and the customer terminal 1180 information. It is done.

The store information may include store name information, store address information, store representative information, at least one conversion number (or fax number, or e-mail) for an online store (or offline store) providing non-affiliated store payment through the communication network. And at least one store contact information including an address, etc.), and the store information is stored in the store information D / B 1155 through the affiliated store information registration system shown in FIG. 1 or 3. If already registered, it is possible to omit the shop information from the merchant affiliated payment request information, whereby the present invention is not limited.

The business registration information may include a business registration number of an online store (or an offline store) that provides payment to an affiliated store through the communication network, and a business registration certificate such as business status / item information of the store according to the intention of a person skilled in the art. It is preferable to include at least one or more information included in the case, when the business registration information is pre-registered in the store information D / B (1155) through the merchant information registration system shown in Figure 1 or 3 In addition, the business registration information may be omitted from the non-affiliate payment request information, and the present invention is not limited thereto.

Preferably, the deposit account information includes an account number, a financial institution code, and a depositor's name to which a payment amount corresponding to an unregistered store payment through the communication network is to be deposited, and the deposit account information is provided through the communication network under the depositor's name. It is preferable to include the financial account information opened in the financial institution that provides the merchant-free payment, the deposit to the store information D / B (1155) through the merchant information registration system shown in Figure 1 or Figure 3 If the account information is already registered, it is possible to omit the deposit account information from the merchant affiliated payment request information, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the affiliated store registration information is registered in the store information D / B 1155 through the affiliated store information registration system shown in FIG. The information preferably includes at least one or more of the store information, the business registration information, and the deposit account information.

The payment amount information is preferably made to include a payment request amount for the sold product after selling the tangible / intangible product to a predetermined customer in the store.

The customer terminal 1180 information includes at least one communication means information owned by the customer (or used by the customer at the point of non-merchant payment) to transmit the non- merchant payment request information through a predetermined communication network. desirable.

According to an exemplary embodiment of the present invention, the customer terminal 1180 information may include the customer-owned wireless terminal information (for example, wireless terminal telephone number or wireless terminal address information).

According to another exemplary embodiment of the present invention, the customer terminal 1180 information is a messenger capable of receiving the merchant-less payment request information by the customer to confirm the merchant-less payment request information through a predetermined terminal device. Preferably, at least one of ID information, mail address information, and the like is included.

Referring to FIG. 11, when the affiliated store payment request information is received from the store terminal 1175, the affiliated store payment server 1100 corresponds to the information of the customer terminal 1180 included in the affiliated store payment request information. After confirming the customer communication means and the communication network corresponding to the customer communication means, and transmits the merchant-free payment request information to the customer communication means, customer payment approval information corresponding to the merchant-free payment request information from the customer communication means Information confirmation unit 1120 for confirming that it is possible to receive the customer payment approval information from the customer communication means, the customer terminal 1180 corresponding to the customer communication means through the confirmed communication network At least one store information, business registration information, payment account information, payment amount information and customer terminal (1180) information Customer payment approval information for receiving merchant payment request information including at least one of the customer information, customer account information and customer approval information from the information transmission unit 1125 for transmitting the merchant payment request information; A receiving unit 1130, a validity checking unit 1135 for confirming whether the customer payment approval information includes valid information for the merchant payment processing, and customer payment approval information whose validity is confirmed in connection with the financial system In the payment processing unit 1140 for transferring the payment amount from the customer account included in the merchant payment request information contained in the payment request information, and the transfer transaction details and the merchant payment request information corresponding to the payment amount transfer transaction Payment history information that stores payment history information including the store information (or business registration information) included in a predetermined storage medium. And a book 1145, wherein the information transmitter 1125 transmits the transaction history information to the customer terminal 1180 through each communication network, or to the store terminal 1175. It is characterized by.

The merchant reception request information including at least one of the store information, the business registration information, the payment account information, the payment amount information, and the customer terminal 1180 information is received from the store terminal 1175 through the information receiving unit 1115. If so, the information checking unit 1120 extracts the customer terminal 1180 information included in the affiliated store payment request information, and transmits the information to the customer communication means information and the customer communication means corresponding to the customer terminal 1180 information. Identifying a corresponding communication network, characterized in that the communication function provided in the information transmission unit 1125 (or wireless message sending server (not shown) associated with the information transmission unit 1125, automatic response server (not shown) ), A mail server (not shown), a messenger interworking server (not shown), etc.) is transmitted to the customer communication means, and then to the customer communication means. Emitter characterized in that it can ensure that customers receive a payment authorization information corresponding to the non-merchant payment request information.

According to an embodiment of the present invention, the communication function provided in the information transmitter 1125 includes a predetermined wireless message sending function (or the information transmitting unit 1125 is connected to a predetermined wireless message sending server (not shown)). Connection), receiving a predetermined wireless message in which customer communication means information corresponding to the information of the customer terminal 1180 includes the non-affiliated payment request information, and approving the customer payment through a predetermined callback URL. If the information includes wireless terminal information that can be transmitted to the affiliated store payment server 1100, the information check unit 1120 is the merchant communication request information to the customer communication means corresponding to the customer terminal 1180 information After transmitting, it is preferable to check whether customer payment approval information corresponding to the affiliated store payment request information can be received from the customer communication means.

According to another exemplary embodiment of the present invention, the communication function provided in the information transmitter 1125 includes a predetermined autoresponder function (or the information transmitter 1125 is associated with a predetermined autoresponder server (not shown)). ), The customer communication means information corresponding to the information of the customer terminal 1180 receives a predetermined voicement including the affiliated store payment request information, and receives the customer payment approval information by a predetermined complex frequency encoding method. If the non-merchant payment server 1100 includes a phone number that can be transmitted, the information check unit 1120 transmits the non-merchant payment request information to the customer communication means corresponding to the customer terminal 1180 information; It is preferable to check whether customer payment approval information corresponding to the affiliated store payment request information can be received from the customer communication means.

According to another exemplary embodiment of the present invention, the communication function included in the information transmitter 1125 includes a predetermined messenger interworking function (or the information transmitter 1125 is connected to a predetermined messenger interworking server (not shown)). Link), the customer communication means information corresponding to the information of the customer terminal 1180 receives a message including the non-member payment request information, and the customer payment approval information through the messenger payment server ( If it includes the messenger ID information that can be transmitted to 1100, the information check unit 1120 transmits the non-member merchant payment request information to the customer communication means corresponding to the information of the customer terminal 1180, the customer communication It is preferable to confirm whether customer payment approval information corresponding to the affiliated store payment request information can be received from the means.

As a result of confirming the information confirming unit 1120, the non-affiliate payment request information is transmitted to the customer communication means corresponding to the information of the customer terminal 1180, and then corresponding to the non- merchant payment request information from the customer communication means. When it is possible to receive customer payment approval information, the information transmission unit 1125 is connected to the customer terminal 1180 corresponding to the customer communication means through the confirmed communication network and the store information, business registration information and deposit account information Characterized in that the non-merchant payment request information including at least one or more payment amount information and the customer terminal (1180) information.

According to an exemplary embodiment of the present invention, the information transmitter 1125 may include the non-affiliate payment request information in a predetermined wireless message and transmit the information to the customer terminal 1180 corresponding to the customer communication means. In this case, the customer terminal 1180 checks the non-affiliate payment request information, and then inputs customer payment approval information including at least one of predetermined customer information, customer account information, and customer approval information. It is preferable to transmit the connected communication network to the affiliated store payment server 1100.

According to another exemplary embodiment of the present invention, the information transmission unit 1125 connects the voice call channel with the customer terminal 1180 corresponding to the customer communication means, and includes a voice announcement including the affiliated store payment request information. It is preferable to transmit to the customer terminal (1180), in this case, the customer terminal (1180) after confirming the non-affiliate payment request information, and includes at least one predetermined customer information, customer account information and customer approval information. Preferably, the customer payment approval information is input in a complex frequency encoding method to transmit the communication network to which the customer terminal 1180 is connected to the affiliated store payment server 1100.

According to another exemplary embodiment of the present invention, the information transmitting unit 1125 may include the non-affiliated payment request information in a predetermined mail (or messenger message) and correspond to the mail address (or messenger) corresponding to the customer communication means. ID), and in this case, the customer terminal 1180 confirms the non-affiliate payment request information, and includes at least one predetermined customer information, customer account information, and customer approval information. It is preferable to transmit the communication network to which the customer terminal 1180 is connected by inputting the information to the affiliated store payment server 1100.

When the customer payment approval information is transmitted from the customer terminal 1180, the customer payment approval information receiving unit 1130 includes at least one customer payment information, customer account information and customer approval information through the communication network. And receiving information.

Here, the customer information is the personal information of the customer who purchased the tangible / intangible goods in the store (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer ( For example, it is preferable that the customer includes at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger on the financial system by opening the customer account of the financial institution. .

Preferably, the customer account information includes at least one account number, a financial institution code, and an account holder information of a financial account of a customer's name in which the payment amount included in the affiliated store payment request information is to be withdrawn. When the customer's account information is registered in the customer's payment means D / B 1160 through the customer payment means registration system shown in FIG. 8, the customer account information is registered. It is possible to omit the information, whereby the present invention is not limited.

The customer approval information includes authentication information for allowing the customer to withdraw the payment amount included in the affiliated store payment request information from the customer account and transfer the payment amount included in the affiliated store payment request information. desirable.

According to the method of the present invention, the customer approval information preferably comprises an account password (or withdrawal password) corresponding to the customer account, the security card provided to the customer by the financial institution according to the intention of the skilled person It is preferable to further include the security code information provided in, or further comprises an OTP code generated by the OTP (One Time Password) generator provided to the customer by the financial institution, the customer terminal (1180) In the case where an official certificate for financial transactions is provided, it is preferable that the public certificate further includes authentication information.

According to an exemplary embodiment of the present invention, when the information transmission unit 1125 transmits the non-affiliated payment request information to the customer terminal 1180 in a wireless message including a predetermined callback UEL, the customer payment approval The information receiving unit 1130 preferably receives customer payment approval information including at least one of the customer information, the customer account information, and the customer approval information through the wireless Internet corresponding to the callback UEL.

According to another exemplary embodiment of the present invention, when the information transmission unit 1125 transmits the non-affiliated payment request information to the customer terminal 1180 in a voicement through a predetermined automatic response method, the customer payment. The approval information receiver 1130 may receive customer payment approval information including at least one of the customer information, the customer account information, and the customer approval information by the complex frequency encoding method.

According to another exemplary embodiment of the present invention, when the information transmission unit 1125 transmits the affiliated store payment request information to the customer terminal 1180 through a predetermined mail (or messenger), the customer payment approval The information receiving unit 1130 preferably receives customer payment approval information including at least one of the customer information, the customer account information, and the customer approval information through the mail (or messenger).

When the customer payment approval information including at least one of the customer information, the customer account information, and the customer approval information is received through the customer payment approval information receiving unit 1130, the validity confirming unit 1135 determines that the customer payment approval information is Characterized by checking whether the validity for the merchant merchant payment processing is satisfied.

According to an exemplary embodiment of the present invention, when the financial institution code corresponding to the customer account information matches the financial system, the validity check of the customer payment approval information may be performed by the customer account corresponding to the customer account information. It is preferable to include at least one account validation to check whether the financial system is established, and a deposit validation to confirm whether a sufficient amount to withdraw the payment amount is deposited in the customer account.

According to another exemplary embodiment of the present invention, when the financial institution code corresponding to the customer account information matches the financial system of the other financial institution, the validity check of the customer payment approval information may be performed using a predetermined financial common network ( Or through the Korea Financial Services Agency) to verify the account validity that the customer account corresponding to the customer account information is opened in the financial system, and to confirm whether a sufficient amount to withdraw the payment amount is deposited in the customer account. Preferably, at least one deposit validation is made.

In addition, the validity confirmation of the customer payment approval information, it is preferable to include the verification of the validity of the customer approval information included in the customer payment approval information.

According to an embodiment of the present invention, when the customer approval information includes an account password (or a withdrawal password) corresponding to the predetermined customer account, the validity of the customer payment approval information may be determined by the financial statement in which the customer account is opened. Preferably in connection with the system comparing and authenticating the account password (or withdrawal password).

If the customer approval information includes predetermined security code information, an OTP code, and an authentication certificate authentication information, the validation of the customer payment approval information is performed by the security code information authentication, OTP code authentication, and authentication certificate authentication procedure. It is preferable that it further comprises.

When the validity of the customer payment approval information is confirmed, the payment processing unit 1140 withdraws the payment amount from the customer account included in the confirmed customer payment approval information in association with the financial system in which the customer account is opened. To transfer to the deposit account included in the merchant affiliated payment request information.

When the withdrawal of the payment amount from the customer account is transferred to the deposit account included in the affiliated merchant payment request information, the payment history storage unit 1145 stores the transfer transaction details contained in the merchant affiliated payment request information And generate predetermined payment history information associated with the business registration information, and store the generated payment history information in a predetermined storage medium, wherein the payment history information corresponds to tax information of the store. It is preferable to include the function of the electronic sales statement.

The information transmitter 1125 transmits the payment history information to the customer terminal 1180 through each communication network or to the store terminal 1175.

12 is a diagram illustrating a process for requesting payment of an affiliated store without an account transfer method according to an embodiment of the present invention.

In more detail, FIG. 12 shows at least store information, business registration information, payment account information, payment amount information, and customer terminal information through a predetermined communication network in a store terminal of an accountless payment system. When sending the affiliated store payment request information including one or more to the affiliated store payment server, the affiliated store payment request is transmitted through the predetermined communication network based on the customer terminal information included in the affiliated store payment request information. After receiving the information, the process of receiving customer payment approval information including at least one or more customer information, customer account information and customer approval information from the customer terminal, specifically the store terminal to the merchant merchant payment server Access to receive a predetermined merchant payment request information input interface, Through the merchant-free payment request information input interface, the merchant-free payment request information including at least one of the store information, the business registration information, the deposit account information, the payment amount information, and the customer terminal information is transmitted to the merchant payment server. It's about how.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 12 to infer various implementation methods for the request process for merchant-free payment of the account transfer method. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the merchant-less payment server on the merchant-less payment system of the account transfer method shown in FIG. 11 is referred to as a "server" for convenience.

Referring to FIG. 12, the store terminal accesses the server through a predetermined communication network, connects a communication channel for payment processing of an affiliated store, and stores information, a business registration information, and a deposit account information to the server through the communication channel. And a predetermined merchant payment request information input interface (for example, the store information and business registration) for inputting (or selecting) the affiliated store payment request information including at least one payment amount information and customer terminal information and transmitting the same to the server. A web page including a user interface for inputting (or selecting) non-affiliate payment request information including at least one of information, payment account information, payment amount information, and customer terminal information (1200); The server generates (or extracts) a predetermined merchant payment request information input interface for the predetermined And it transmits it to the shop terminal over a communication channel group 1205.

Thereafter, the store terminal inputs the affiliated store payment request information including at least one of the store information, the business registration information, the deposit account information, the payment amount information, and the customer terminal information through the non- merchant payment request information input interface (or Check 1210).

The store information may include store name information, store address information, store representative information, at least one conversion number (or fax number, or e-mail) for an online store (or offline store) providing non-affiliated store payment through the communication network. And at least one store contact information including an address, etc.), and the store information is pre-registered in the store information D / B through the unregistered store information registration system shown in FIG. 1 or 3. In this case, it is possible to omit the shop information from the merchant affiliated payment request information, whereby the present invention is not limited.

The business registration information may include a business registration number of an online store (or an offline store) that provides payment to an affiliated store through the communication network. It is preferable to include at least one or more information included in the registration certificate, and when the business registration information is registered in the store information D / B through the non-affiliated store information registration system shown in Figure 1 or 3, It is possible to omit the business registration information from the merchant-free payment request information, whereby the present invention is not limited.

Preferably, the deposit account information includes an account number, a financial institution code, and a depositor's name to which a payment amount corresponding to an unregistered store payment through the communication network is to be deposited, and the deposit account information is provided through the communication network under the depositor's name. It is preferable to include the financial account information opened in a financial institution that provides a merchant affiliated payment, the deposit account information is stored in the store information D / B through the merchant information registration system shown in Figure 1 or Figure 3 If already registered, it is possible to omit the deposit account information from the merchant affiliated payment request information, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the affiliated store registration information is previously registered in the store information D / B through the affiliated store information registration system shown in FIG. 1 or 3, the affiliated store payment request information is It is preferable to include at least one or more information of the store information, business registration information and the payment account information.

The payment amount information is preferably made to include a payment request amount for the sold product after selling the tangible / intangible product to a predetermined customer in the store.

The customer terminal information preferably comprises at least one communication means information owned by the customer (or used by the customer at the point of non-affiliate payment) to transmit the non-affiliate payment request information through a predetermined communication network.

According to one embodiment of the invention, the customer terminal information preferably comprises the customer owned wireless terminal information (for example, wireless terminal telephone number, or wireless terminal address information, etc.).

According to another exemplary embodiment of the present invention, the customer terminal information may include messenger ID information and mail for the customer to receive the affiliated store payment request information to confirm the affiliated store payment request information through a predetermined terminal device. It is preferable to include at least one or more address information.

If the affiliated store payment request information is input (or selected) (1215), the store terminal transmits the affiliated store payment request information to the server through the communication channel (1220), and the server correspondingly In operation 1225, the merchant-free payment validity of the customer terminal information included in the received merchant-free payment request information is checked.

According to an embodiment of the present invention, the server checks the customer communication means corresponding to the customer terminal information included in the non-affiliate payment request information and the communication network corresponding to the customer communication means, and the affiliated store as the customer communication means. After transmitting the payment request information, it is preferable to check whether the customer payment approval information corresponding to the affiliated store payment request information can be received from the customer communication means.

According to an embodiment of the present invention, when the communication function provided in the server includes a predetermined wireless message sending function (or the server is associated with a predetermined wireless message sending server (not shown)), A wireless terminal capable of receiving a predetermined wireless message in which the corresponding customer communication means information includes the affiliated store payment request information and transmitting the customer payment approval information to the affiliated store payment server through a predetermined callback URL. If the information is included, the information confirming unit transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal information, customer payment approval information corresponding to the non-affiliate payment request information from the customer communication means It is desirable to check whether it can be received.

According to another exemplary embodiment of the present invention, when the communication function provided in the server includes a predetermined auto-response function (or the server is linked with a predetermined auto-response server (not shown)), the server corresponds to the customer terminal information. If the customer communication means information receives a predetermined voicement including the affiliated store payment request information and includes a telephone number for transmitting the customer payment approval information to the affiliated store payment server in a predetermined complex frequency encoding scheme; The information checking unit may receive the customer payment approval information corresponding to the affiliated store payment request information from the customer communication unit after transmitting the affiliated store payment request information to the customer communication unit corresponding to the customer terminal information. It is desirable to check.

According to another embodiment of the present invention, when the communication function provided in the server includes a predetermined messenger interworking function (or the server is linked with a predetermined messenger interworking server (not shown)), If the corresponding customer communication means information includes a message containing the non-affiliate payment request information and includes the messenger ID information for transmitting the customer payment approval information to the non-affiliated payment server through the messenger, the information is confirmed. The unit transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal information, and then confirms whether the customer payment approval information corresponding to the non-affiliate payment request information is received from the customer communication means. desirable.

If the non-affiliate payment validity of the customer terminal information included in the non-affiliate payment request information is not confirmed (1230), the server generates predetermined customer terminal error information and transmits the predetermined terminal error information to the store terminal through the communication channel. (1235), the merchant does not terminate the payment process.

On the other hand, if the non-affiliate payment validity of the customer terminal information included in the non-affiliated merchant payment request information is confirmed (1230), the server sends the non-affiliated merchant payment request information to the customer terminal through a communication network corresponding to the customer terminal information. In operation 1240, a customer payment approval information input interface for transmitting and receiving customer payment approval information from the customer terminal in response to the affiliated store payment request information is provided.

According to an exemplary embodiment of the present invention, the server preferably includes the non-affiliated payment request information in a predetermined wireless message and transmits the same to the customer terminal corresponding to the customer communication means, in which case the customer terminal is free of the request. After checking the merchant payment request information, inputting customer payment approval information including at least one predetermined customer information, customer account information and customer approval information, and transmitting the communication network connected to the customer terminal to the merchant payment server. desirable.

According to another exemplary embodiment of the present invention, the server connects a voice call channel with a customer terminal corresponding to the customer communication means, and transmits a voicement including the affiliated party payment request information to the customer terminal. Preferably, in this case, after confirming the payment information of the affiliated store, the customer terminal inputs customer payment approval information including at least one of predetermined customer information, customer account information, and customer approval information by using a complex frequency encoding method. It is preferable to transmit the communication network to which the customer terminal is connected to the affiliated store payment server.

According to another exemplary embodiment of the present invention, the server transmits the mail address (or messenger ID) corresponding to the customer communication means by including the unsolicited merchant payment request information in a predetermined mail (or messenger message). Preferably, in this case, the customer terminal checks the non-affiliate payment request information, inputs customer payment approval information including at least one of predetermined customer information, customer account information, and customer approval information to access the customer terminal. It is preferable to transmit a communication network to the merchant free payment server.

Thereafter, the customer terminal inputs (or selects) customer payment approval information including at least one of the customer information, the customer account information, and the customer approval information through the customer payment approval information input interface (1245), and the customer payment. When the approval information is input (or selected) (1250), the customer payment approval information is transmitted to the server through the communication network (1255).

Here, the customer information is the personal information of the customer who purchased the tangible / intangible goods in the store (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer ( For example, it is preferable that the customer includes at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger on the financial system by opening the customer account of the financial institution. .

Preferably, the customer account information includes at least one account number, a financial institution code, and an account holder information of a financial account of a customer's name in which the payment amount included in the affiliated store payment request information is to be withdrawn. When the customer's account information is registered in the customer's payment means D / B through the customer payment means registration system shown in FIG. 8, the customer account information is omitted from the customer payment approval information. It is possible that the present invention is not limited thereby.

The customer approval information includes authentication information for allowing the customer to withdraw the payment amount included in the affiliated store payment request information from the customer account and transfer the payment amount included in the affiliated store payment request information. desirable.

According to the implementation method of the present invention, the customer approval information preferably comprises an account password (or withdrawal password) corresponding to the customer account, the security card provided to the customer by the financial institution according to the intention of the skilled person It is preferably made further comprising the security code information provided in, or further comprises an OTP code generated by the OTP (One Time Password) generator provided to the customer by the financial institution, the financial transaction in the customer terminal If a public certificate is provided, it is preferable that the public certificate further comprises authentication information.

According to an exemplary embodiment of the present invention, when the server transmits the wireless message corresponding to the callback UEL to the customer terminal, the wireless message corresponding to the callback UEL is included in the wireless message including the predetermined callback UEL. It is preferable to receive customer payment approval information including at least one of the customer information, customer account information and customer approval information through.

According to another exemplary embodiment of the present invention, when the server transmits the non-affiliated payment request information to the client terminal through a predetermined automatic response method, the server transmits the information to the client terminal using the complex frequency encoding method. It is preferable to receive customer payment approval information including at least one information, customer account information and customer approval information.

According to another exemplary embodiment of the present invention, when the server transmits the affiliated store payment request information to the customer terminal through a predetermined mail (or messenger), the server sends the message through the mail (or messenger). It is preferable to receive customer payment approval information including at least one of customer information, customer account information and customer approval information.

13 is a diagram illustrating a process for requesting payment of an affiliated store without an account transfer method according to another exemplary embodiment of the present invention.

In more detail, in FIG. 13, at least one store information, a business registration information, a deposit account information, a payment account information, and a customer terminal information are stored in a store terminal of the merchant transfer payment system of the account transfer method shown in FIG. When sending the affiliated store payment request information including one or more to the affiliated store payment server, the affiliated store payment request is transmitted through the predetermined communication network based on the customer terminal information included in the affiliated store payment request information. After transmitting the information, the process of receiving the customer payment approval information including at least one or more customer information, customer account information and customer approval information from the customer terminal, specifically, a predetermined merchant payment request to the store terminal If a merchant payment program including an information input interface is provided, The merchant terminal payment request information including at least one of the store information, the business registration information, the payment account information, the payment amount information, and the customer terminal information through the affiliated store payment program included in the store terminal to the affiliated store payment server. It is about the implementation method to transmit.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various implementation methods for the request process for merchant-free payment of the account transfer method. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the merchant-less payment server on the merchant-less payment system of the account transfer method shown in FIG. 11 is referred to as a "server" for convenience.

Referring to FIG. 13, the store terminal has a predetermined nothing to input (or select) non-affiliated merchant payment request information including at least one of store information, business registration information, deposit account information, payment amount information, and customer terminal information. Outputting a merchant payment request information input interface (eg, a merchant payment program) (1300), and the store information, business registration information, payment account information, payment amount information, and customer terminal information through the merchant payment request information input interface. In operation 1305, it is determined whether to input (or select) the affiliated store payment request information including at least one or more.

The store information may include store name information, store address information, store representative information, at least one conversion number (or fax number, or the like) for an online store (or offline store) that provides merchants payment through the communication network. And at least one store contact information including an e-mail address, etc., and the store information is pre-registered with the store information D / B through the unregistered store information registration system shown in FIG. 1 or 3. In this case, it is possible to omit the shop information from the merchant affiliated payment request information, whereby the present invention is not limited.

The business registration information may include a business registration number of an online store (or an offline store) that provides payment to an affiliated store through the communication network, and a business registration certificate such as business status / item information of the store according to the intention of a person skilled in the art. It is preferable to include at least one or more information included in, if the business registration information is registered in the store information D / B through the non-affiliate store information registration system shown in Figure 1 or 3, It is possible to omit the business registration information from the merchant payment request information, whereby the present invention is not limited.

Preferably, the deposit account information includes an account number, a financial institution code, and a depositor's name to which a payment amount corresponding to an unregistered store payment through the communication network is to be deposited, and the deposit account information is provided through the communication network under the depositor's name. It is preferable to include the financial account information opened in a financial institution that provides a merchant affiliated payment, the deposit account information is stored in the store information D / B through the merchant information registration system shown in Figure 1 or Figure 3 If already registered, it is possible to omit the deposit account information from the merchant affiliated payment request information, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the affiliated store registration information is previously registered in the store information D / B through the affiliated store information registration system shown in FIG. 1 or 3, the affiliated store payment request information is It is preferable to include at least one or more information of the store information, business registration information and the payment account information.

The payment amount information is preferably made to include a payment request amount for the sold product after selling the tangible / intangible product to a predetermined customer in the store.

The customer terminal information preferably comprises at least one communication means information owned by the customer (or used by the customer at the point of non-affiliate payment) to transmit the non-affiliate payment request information through a predetermined communication network.

According to one embodiment of the present invention, the customer terminal information preferably comprises the customer-owned wireless terminal information (for example, wireless terminal telephone number, or wireless terminal address information, etc.).

According to another exemplary embodiment of the present invention, the customer terminal information may include messenger ID information and mail for the customer to receive the affiliated store payment request information to confirm the affiliated store payment request information through a predetermined terminal device. It is preferable to include at least one or more address information.

If the non-merchant payment request information is input (or selected) (1310), at least one store information, business registration information, payment account information, payment amount information and customer terminal information to the server through a predetermined communication network; Connect a communication channel for transmitting the affiliated store payment request information (1315), and transmit the affiliated store payment request information to the server through the communication channel (1320), and correspondingly, the server receives the received affiliated store The merchant verification for the customer terminal information included in the payment request information is checked (1325).

According to an embodiment of the present invention, the server checks the customer communication means corresponding to the customer terminal information included in the non-affiliate payment request information and the communication network corresponding to the customer communication means, and the affiliated store as the customer communication means. After transmitting the payment request information, it is preferable to check whether the customer payment approval information corresponding to the affiliated store payment request information can be received from the customer communication means.

According to an embodiment of the present invention, when the communication function provided in the server includes a predetermined wireless message sending function (or the server is associated with a predetermined wireless message sending server (not shown)), A wireless terminal capable of receiving a predetermined wireless message in which the corresponding customer communication means information includes the affiliated store payment request information and transmitting the customer payment approval information to the affiliated store payment server through a predetermined callback URL. If the information is included, the information confirming unit transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal information, customer payment approval information corresponding to the non-affiliate payment request information from the customer communication means It is desirable to check whether it can be received.

According to another embodiment of the present invention, when the communication function provided in the server includes a predetermined auto-response function (or when the server is linked with a predetermined auto-response server (not shown)), the terminal responds to the customer terminal information. If the customer communication means information receives a predetermined voicement including the affiliated store payment request information and includes a telephone number for transmitting the customer payment approval information to the affiliated store payment server in a predetermined complex frequency encoding scheme; The information checking unit may receive the customer payment approval information corresponding to the affiliated store payment request information from the customer communication unit after transmitting the affiliated store payment request information to the customer communication unit corresponding to the customer terminal information. It is desirable to check.

According to another embodiment of the present invention, when the communication function provided in the server includes a predetermined messenger interworking function (or the server is linked with a predetermined messenger interworking server (not shown)), If the corresponding customer communication means information includes a message containing the non-affiliate payment request information and includes the messenger ID information for transmitting the customer payment approval information to the non-affiliated payment server through the messenger, the information is confirmed. The unit transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal information, and then confirms whether the customer payment approval information corresponding to the non-affiliate payment request information is received from the customer communication means. desirable.

If the non-affiliate payment validity of the customer terminal information included in the non-affiliate payment request information is not confirmed (1330), the server generates predetermined customer terminal error information and transmits the predetermined terminal error information to the store terminal through the communication channel. (1335), the merchant does not terminate the payment process.

On the other hand, when the validity of the non-affiliate payment for the customer terminal information included in the non-affiliate payment request information is confirmed (1330), the server transmits the non-affiliated payment information to the customer terminal through a communication network corresponding to the customer terminal information. In operation 1340, a customer payment approval information input interface for transmitting and receiving predetermined customer payment approval information from the customer terminal in response to the affiliated store payment request information is provided.

According to an exemplary embodiment of the present invention, the server preferably includes the non-affiliated payment request information in a predetermined wireless message and transmits the same to the customer terminal corresponding to the customer communication means, in which case the customer terminal is free of the request. After checking the merchant payment request information, inputting customer payment approval information including at least one predetermined customer information, customer account information and customer approval information, and transmitting the communication network connected to the customer terminal to the merchant payment server. desirable.

According to another exemplary embodiment of the present invention, the server connects a voice call channel with a customer terminal corresponding to the customer communication means, and transmits a voicement including the affiliated party payment request information to the customer terminal. Preferably, in this case, after confirming the payment information of the affiliated store, the customer terminal inputs customer payment approval information including at least one of predetermined customer information, customer account information, and customer approval information by using a complex frequency encoding method. It is preferable to transmit the communication network to which the customer terminal is connected to the merchant free payment server.

According to another exemplary embodiment of the present invention, the server transmits the mail address (or messenger ID) corresponding to the customer communication means by including the unsolicited merchant payment request information in a predetermined mail (or messenger message). Preferably, in this case, after confirming the payment information of the affiliated store, the customer terminal inputs customer payment approval information including at least one of predetermined customer information, customer account information, and customer approval information. It is preferable to transmit the connected communication network to the affiliated store payment server.

Thereafter, the customer terminal inputs (or selects) customer payment approval information including at least one of the customer information, the customer account information, and the customer approval information through the customer payment approval information input interface (1345), and the customer payment. When the approval information is input (or selected) (1350), the customer payment approval information is transmitted to the server through the communication network (1355).

Here, the customer information is the personal information of the customer who purchased the tangible / intangible goods in the store (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer ( For example, it is preferable that the customer includes at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger on the financial system by opening the customer account of the financial institution. .

Preferably, the customer account information includes at least one account number, a financial institution code, and an account holder information of a financial account of a customer's name in which the payment amount included in the merchant affiliated payment request information is to be withdrawn. Alternatively, the customer account information is omitted from the customer payment approval information when the customer payment method information is registered to the payment method D / B by including the customer account information in the payment method D / B. The present invention is not limited thereto.

The customer approval information includes authentication information for allowing the customer to withdraw the payment amount included in the affiliated store payment request information from the customer account and transfer the payment amount included in the affiliated store payment request information. desirable.

According to the method of the present invention, the customer approval information preferably comprises an account password (or withdrawal password) corresponding to the customer account, the security card provided to the customer by the financial institution according to the intention of the skilled person It is preferably made further comprising the security code information provided in, or further comprises an OTP code generated by the OTP (One Time Password) generator provided to the customer by the financial institution, the financial transaction in the customer terminal If a public certificate is provided, it is preferable that the public certificate further comprises authentication information.

According to an embodiment of the present invention, when the server transmits the wireless terminal including the predetermined callback UEL to the customer terminal including the non-participant payment request information, the server corresponds to the wireless callback UEL. It is preferable to receive customer payment approval information including at least one of the customer information, customer account information and customer approval information through the Internet.

According to another exemplary embodiment of the present invention, when the server transmits the non-affiliated payment request information to the client terminal through a predetermined automatic response method, the server transmits the information to the client terminal using the complex frequency encoding method. It is preferable to receive customer payment approval information including at least one information, customer account information and customer approval information.

According to another exemplary embodiment of the present invention, when the server transmits the affiliated store payment request information to the customer terminal through a predetermined mail (or messenger), the server sends the message through the mail (or messenger). It is preferable to receive customer payment approval information including at least one of customer information, customer account information and customer approval information.

14 is a view showing a merchant payment processing process of the account transfer method according to an embodiment of the present invention.

More specifically, FIG. 14 shows the customer information, the customer account information, and the customer approval from the customer terminal on the non-affiliated merchant payment system of the account transfer method shown in FIG. When the customer payment approval information including at least one information is received, the account information and customer account information included in the customer payment approval information and the customer account information included in the customer payment approval information and the payment account information included in the non- merchant payment request information; Regarding the process of processing a merchant transfer payment of the account transfer method based on the payment amount information, those skilled in the art to which the present invention pertains, refer to and / or modify the drawing 14 and the account transfer method It will be possible to infer various implementation methods for the merchant's payment processing process of the present invention, the present invention Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 14.

In the following figure 14, the merchant-free payment server on the merchant-less payment system of the account transfer method shown in FIG. 11 is referred to as " server " for convenience.

Referring to FIG. 14, when customer payment approval information including at least one of the customer information, the customer account information, and the customer approval information is received from the customer terminal through the non-affiliate payment request process illustrated in FIG. 12 or 13. In operation 1405, the server verifies the validity of the merchant-free payment processing for the customer approval information (1405).

According to an exemplary embodiment of the present invention, when the financial institution code corresponding to the customer account information matches the financial system, the validity check of the customer payment approval information may be performed by the customer account corresponding to the customer account information. It is preferable to include at least one account validation to check whether the financial system is established, and a deposit validation to confirm whether a sufficient amount to withdraw the payment amount is deposited in the customer account.

According to another exemplary embodiment of the present invention, when the financial institution code corresponding to the customer account information matches the financial system of the other financial institution, the validity check of the customer payment approval information may be performed using a predetermined financial common network ( Or through the Korea Financial Services Agency) to verify the account validity that the customer account corresponding to the customer account information is opened in the financial system, and to confirm whether a sufficient amount to withdraw the payment amount is deposited in the customer account. Preferably, at least one deposit validation is made.

In addition, the validity confirmation of the customer payment approval information, it is preferable to include the verification of the validity of the customer approval information included in the customer payment approval information.

According to an embodiment of the present invention, when the customer approval information includes an account password (or a withdrawal password) corresponding to the predetermined customer account, the validity of the customer payment approval information may be determined by the financial statement in which the customer account is opened. Preferably in connection with the system comparing and authenticating the account password (or withdrawal password).

If the customer approval information includes predetermined security code information, an OTP code, and an authentication certificate authentication information, the validation of the customer payment approval information is performed by the security code information authentication, OTP code authentication, and authentication certificate authentication procedure. It is preferable that it further comprises.

If the non-affiliate payment processing validity of the customer approval information is not confirmed (1410), the server transmits predetermined non-affiliated payment error information to the customer terminal and the store terminal through each communication network (1415), the account The payment process of the merchant-free transfer method is terminated.

On the other hand, if the validity of the merchant payment processing for the customer approval information is confirmed (1410), the server is linked to the financial system in which the customer account is opened, the payment from the customer account included in the customer payment approval information confirmed validity The withdrawal of the amount is performed by the affiliated party payment processing procedure of transferring the deposit to the deposit account included in the affiliated party payment request information (1420).

If the affiliated store payment processing is confirmed (1425), the server generates the predetermined payment history information associated with the store transaction information (or business registration information) included in the transfer transaction details contained in the affiliated store payment request information (1430) In operation 1435, the generated payment history information is stored in a predetermined storage medium.

Here, the payment history information preferably comprises a function of the electronic sales slip corresponding to the tax information for the store.

Thereafter, the server transmits the payment history information to the customer terminal through each communication network or to the store terminal (1440).

Figure 15 illustrates a configuration of an affiliated store payment system through a communication network of the card payment method according to an embodiment of the present invention.

In more detail, Figure 15 shows a store information, a business registration information, a payment account information, a payment amount information, and a customer terminal through a predetermined communication network in a predetermined store terminal 1575 provided in a store on-offline without a predetermined merchant contract. 1580) When transmitting the affiliated store payment request information including at least one information, the server side provided in the financial institution providing the affiliated store payment receives the affiliated store payment request information, and transmits the information to the affiliated store payment request information. After transmitting the payment information of the affiliated store through a predetermined communication network based on the included information of the customer terminal 1580, the customer terminal 1580 includes at least one of customer information, customer card information, and customer approval information. When the customer payment approval information is transmitted, the card company server 1570 that issued the customer card is transferred to a server provided in the financial institution. As a non-affiliated merchant payment system configuration for requesting payment approval for a payment amount, a person having ordinary knowledge in the technical field to which the present invention pertains refers to and / or modifyes the communication system of the card payment method with reference to FIG. 15. Various implementation methods for the configuration of the merchant-free payment system can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method illustrated in FIG.

Hereinafter, after receiving the unregistered merchant payment request information from the store terminal 1575 on the unregistered merchant payment system shown in FIG. 15 and transmitting the received request information to the customer terminal 1580 through a predetermined communication network, the customer terminal 1580 Receiving the customer payment approval information corresponding to the affiliated store payment request information from the at least one means and / or a component corresponding to the functional configuration for the convenience of the card payment method for the " non-affiliated merchant payment server 1500 " It is called.

As shown in FIG. 15, an affiliated store payment system for providing an affiliated store payment using a card payment method includes at least one or more store terminals 1575 connected to a predetermined communication network, and a non-sent store payment unit 1575. After receiving the merchant payment request information and transmitting to the customer terminal 1580 through a predetermined communication network, and receives the customer payment approval information corresponding to the merchant payment request information from the customer terminal (1580) by the card payment method Merchant payment server 1500 for payment processing, and characterized in that it comprises a financial system opened a deposit account included in the merchant payment request information.

The financial system may be configured to perform a computer processing process corresponding to a financial transaction (eg, a deposit transaction, withdrawal transaction, transfer transaction, etc.) service for an affiliated store payment through the communication network on the affiliated store payment system.

Generally, the financial system is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (eg, a branch network) to manage ledgers and compute for face-to-face financial transaction processing. It is desirable to provide a processing function.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, and / or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or branch of another financial institution), and / or at least one financial terminal provided in a public place and connected through a predetermined financial network (eg, a CD common network). It is desirable to provide ledger management and computerized processing for face-to-face financial transactions.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet It is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with a laptop and / or a mobile terminal having a connection and browsing function).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Ledger management and computer processing function for non-face-to-face financial transaction processing in connection with System for Mobile terminal and / or PDA (Personal Digital Assistant) and / or Smart Phone and / or Telematics) It is desirable to provide.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or non-face-to-face finance in connection with at least one wireless terminal (e.g., wireless terminal equipped with a finance IC chip) connected to the IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. It is desirable to provide ledger management and computer processing functions for transaction processing.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., cellular and / or PCS) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network); / Or GSM terminal and / or smart phone, etc.) It is desirable to provide a ledger management and computer processing function for the non-face-to-face financial transaction processing.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ), It is desirable to provide ledger management and computerized processing for non-face-to-face financial transactions.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server In conjunction with terrestrial DMB terminals), it is desirable to provide ledger management and computerized processing for non-face-to-face financial transaction processing.

Referring to FIG. 15, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless) provided in at least one external communication network. Banking, telebanking, TV banking, etc.) access to the financial system, and / Is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), the financial system is the interface between components in the financial system Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

The store terminal 1575 may be a wired communication network based on a Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, an Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or a cable communication network). A wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the merchant payment server 1500 through a communication system, and / or a code division multiple access (CDMA) based mobile communication network (or A mobile communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based mobile communication network, and / or a portable Internet terminal connected to a high-speed wireless Internet based on IEEE 802.16x, and / or a wireless LAN network based on IEEE 802.11x. Characterized in that it comprises at least one or more wireless terminals including at least one WLAN terminal, the store terminal (1575) Outputs at least one affiliated store payment request information input interface provided by the affiliated store payment server 1500 (or included in the affiliated store payment program provided in the store terminal 1575), and inputs the affiliated store payment request information The merchant affiliated payment server 1500 may input (or select) non-affiliated merchant payment request information including at least one store information, a business registration information, a payment account information, a payment amount information, and a customer terminal 1580 information through an interface. It is desirable to have a functional configuration for transmitting to.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the shop terminal 1575 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the store terminal 1575 is a wired terminal, the communication network includes the TCP / IP based wired communication network, and when the store terminal 1575 is a wireless terminal, the communication network The CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

The customer terminal 1580 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). A wired terminal including at least one wired terminal including a desktop computer and / or a laptop connected to the merchant payment server 1500 through a communication system, and / or a code division multiple access (CDMA) based mobile communication network (or A mobile communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based mobile communication network, and / or a portable Internet terminal connected to a high-speed wireless Internet based on IEEE 802.16x, and / or a wireless LAN network based on IEEE 802.11x. Characterized in that it comprises at least one or more wireless terminals including at least one WLAN terminal, the customer terminal 1580 is the Receive merchant information request information including at least one store information, business registration information, payment account information, payment amount information and customer terminal (1580) information from the merchant payment server 1500, the merchant payment server ( And outputting at least one customer payment approval information input interface provided at 1500 (or included in the unregistered merchant payment program included in the customer terminal 1580), and the customer information and the customer through the customer payment approval information input interface. It is preferable that a function configuration for inputting (or selecting) customer payment approval information including at least one of card information and customer approval information is transmitted to the affiliated store payment server 1500.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 1580 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the customer terminal 1580 is a wired terminal, the communication network includes the TCP / IP-based wired communication network, and when the customer terminal 1580 is a wireless terminal, the communication network The CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

According to an embodiment of the present invention, the merchant free payment server 1500 may provide a communication interface corresponding to the store terminal 1575 and a communication network, and establish a predetermined communication channel with the store terminal 1575 through the communication network. And an interface unit 1505 for connecting and managing the web, whereby the merchant free payment server 1500 is connected to the store terminal 1575 via a wired communication network and / or a wireless communication network. It has the function of a server.

According to an embodiment of the present invention, when the store terminal 1575 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 1505 may be connected to the store terminal 1575 and the HTTP ( Connecting a predetermined communication channel based on a Hyper-Text Transfer Protocol (IP) protocol, and entering the merchant terminal request request information input interface in the form of a HTML (Hyper-Text Markup Language) compatible document through the communication channel; And / or transmits and outputs an information providing screen and receives and processes predetermined affiliated party payment request information input (or selected) through the affiliated store payment request information input interface from the store terminal 1575. desirable.

According to another exemplary embodiment of the present invention, when the store terminal 1575 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 1505 is connected to the store terminal 1575 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or the Mobile Explorer (ME) protocol, and connect the communication terminal to the store terminal 1575 in the form of a Wireless Markup Language (WML) and / or HTML compatible document. A function of transmitting and outputting a merchant payment request information input interface and / or an information providing screen and receiving and processing predetermined merchant merchant payment request information corresponding to the merchant merchant payment request information input interface from the store terminal 1575. It is preferable to carry out.

According to another exemplary embodiment of the present invention, when the store terminal 1575 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1505 may be connected to the store terminal 1575. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit a predetermined affiliated store payment request information input interface and / or an information providing screen to the store terminal 1575 through the communication channel. And outputs and receives and processes a predetermined affiliated store payment request information corresponding to the affiliated store payment request information input interface from the store terminal 1575, and / or the store terminal 1575. When the communication channel is connected through the IEEE 802.11x based wireless communication network, the interface unit 1505 is connected to the store terminal 1575 and the IEE. Connect a predetermined communication channel based on a wireless protocol corresponding to the E 802.11x standard, and transmit a predetermined affiliated store payment request information input interface and / or an information providing screen to the store terminal 1575 through the communication channel. It is preferable to perform a function for outputting and receiving and processing predetermined affiliated store payment request information corresponding to the affiliated store payment request information input interface from the store terminal 1575.

Referring to FIG. 15, the affiliated store payment server 1500 is connected to the interface store 1505 when a predetermined store terminal 1575 accesses the affiliated store payment server 1500 through the interface unit 1505. The interface provider 1510 generates (or extracts) a predetermined affiliated payment request information input interface for inputting (or selecting) predetermined affiliated payment request information from the store terminal 1575 and transmits the same. And store information, business registration information, deposit account information, and payment amount information, which are inputted (or selected) and transmitted from the merchant terminal 1575 through the unregistered merchant payment request information input interface in association with the interface unit 1505. And an information receiving unit 1515 for receiving the affiliated store payment request information including at least one information of the customer terminal 1580.

The interface providing unit 1510 has a functional configuration (eg, provided in the store terminal 1575 when a predetermined store terminal 1575 connects to the affiliated store payment server 1500 through the interface unit 1505). Pre-specified non-affiliate payment request information corresponding to a browser program provided in the store terminal 1575 (or selected) and transmits to the non-affiliated payment server 1500 through the communication network. Generate an information input interface and / or extract it from a predetermined database (not shown), and connect the generated merchant payment request information input interface generated (or extracted) with the interface unit 1505 through the communication network. Characterized in that provided by the store terminal (1575).

Thereafter, the store terminal 1575 inputs (or selects) predetermined non-affiliate payment request information based on the non-affiliate payment request information input interface, and confirms that the non-affiliated payment information is input (or selected). When the store terminal 1575 transmits the input (or selection) of the affiliated store payment request information to the affiliated store payment server 1500 through the communication network.

Those skilled in the art to which the present invention pertains to, the merchant terminal 1575 through the at least one form (Form) form included in the merchant payment request information input interface in the merchant merchant payment request information (form) Be familiar with the technical features of inputting (or selecting) and the technical features of transmitting the input (or selection) of the affiliated store payment request information input (or selected) through the communication protocol provided by the communication network. Therefore, detailed description thereof will be omitted for convenience.

According to another exemplary embodiment of the present invention, when a predetermined affiliated store payment program including the affiliated store payment request information input interface is provided in the store terminal 1575, the interface unit 1505 is connected to the store terminal 1575. Providing the merchant-free payment request information input interface may be omitted, and the present invention is not limited thereto.

The store terminal 1575 provided with (or outputted) the merchant-free payment request information input interface may store, business registration information, deposit account information, payment amount information, and customer terminal information through the merchant-free payment request information input interface. (1580) input (or select) the affiliated store payment request information including at least one information, and transmit the affiliated store payment request information to the affiliated store payment server 1500 through the communication network, wherein the information receiving unit ( 1515 may receive the affiliated party payment request information including at least one of the store information, the business registration information, the payment account information, the payment amount information, and the customer terminal 1580 information in association with the interface unit 1505. It is done.

The store information may include store name information, store address information, store representative information, at least one conversion number (or fax number, or e-mail) for an online store (or offline store) providing non-affiliated store payment through the communication network. And at least one store contact information including an address, etc.), and the store information is stored in the store information D / B 1560 through the affiliated store information registration system shown in FIG. 1 or 3. If already registered, it is possible to omit the shop information from the merchant affiliated payment request information, whereby the present invention is not limited.

The business registration information may include a business registration number of an online store (or an offline store) that provides payment for an unaffiliated store through the communication network. It is preferable to include at least one or more information included in the registration certificate, the business registration information is pre-registered in the store information D / B (1560) through the merchant information registration system shown in Figure 1 or 3 In this case, it is possible to omit the business registration information from the merchant affiliated payment request information, whereby the present invention is not limited.

Preferably, the deposit account information includes an account number, a financial institution code, and a depositor's name to which a payment amount corresponding to an unregistered store payment through the communication network is to be deposited, and the deposit account information is provided through the communication network under the depositor's name. It is preferable to include the financial account information opened in the financial institution that provides the merchant-free payment, the deposit to the store information D / B (1560) through the merchant information registration system shown in Figure 1 or Figure 3 If the account information is already registered, it is possible to omit the deposit account information from the merchant affiliated payment request information, whereby the present invention is not limited.

According to an embodiment of the present invention, when the affiliated store registration information is registered in the store information D / B 1560 through the affiliated store information registration system shown in FIG. The information preferably includes at least one or more of the store information, the business registration information, and the deposit account information.

The payment amount information is preferably made to include a payment request amount for the sold product after selling the tangible / intangible product to a predetermined customer in the store.

The customer terminal 1580 information includes at least one communication means information owned by the customer (or used by the customer at the point of non-merchant payment) to transmit the non- merchant payment request information through a predetermined communication network. desirable.

According to an exemplary embodiment of the present invention, the customer terminal 1580 information may include the customer-owned wireless terminal information (for example, wireless terminal telephone number or wireless terminal address information).

According to another exemplary embodiment of the present invention, the customer terminal 1580 information may be a messenger ID for receiving the payment information of the affiliated store so that the customer may check the affiliated store payment request information through a predetermined terminal device. It is preferable to include at least one or more information, mail address information and the like.

Referring to FIG. 15, if the affiliated store payment server 1500 receives the affiliated store payment request information from the store terminal 1575, the affiliated store payment server 1500 may correspond to the information of the customer terminal 1580 included in the merchant free payment request information. After confirming the customer communication means and the communication network corresponding to the customer communication means, and transmits the merchant-free payment request information to the customer communication means, customer payment approval information corresponding to the merchant-free payment request information from the customer communication means An information confirmation unit 1520 for confirming that it can be received; and a customer terminal 1580 corresponding to the customer communication means through the confirmed communication network when the customer payment approval information can be received from the customer communication means. At least one of the store information, business registration information, payment account information, payment amount information and customer terminal (1580) information Customer payment approval information for receiving a merchant payment request information for sending merchant payment request information, and customer payment approval information including at least one of the customer information, customer card information and customer approval information from the customer terminal (1580). Receiving unit 1530, a professional generation unit 1535 for generating a full payment approval request message including the customer card information and customer approval information included in the customer payment approval information and the payment amount information included in the merchant affiliated payment request information And, requesting the payment approval by transmitting the full payment approval request message to the card company server 1570 that issued the customer card corresponding to the customer card information included in the customer payment approval information, and receiving the payment from the card company server 1570. It includes either payment approval details (eg payment approval number) or payment error details (eg payment error code) corresponding to the payment authorization request. The payment approval request unit 1540 receives a payment approval response message, characterized in that the information transmission unit 1525 is a payment approval details (or payment error details) included in the payment approval response message. It is characterized in that the transmission to the shop terminal (1575) and the customer terminal (1580) through each communication network.

In addition, the merchant free payment server 1500 responds to the card payment approval after the payment approval response message including the payment approval details is received from the card company server 1570 by the payment approval request unit 1540. A payment history storage unit 1550 for storing payment approval information including payment approval details, store information (or business registration information) and payment account information included in the payment request information of the affiliated store in a predetermined storage medium; Characterized in that made.

In addition, the merchant free payment server 1500 is received by the payment approval request unit 1540 from the card company server 1570 after the payment approval response including the payment approval details, the card company server 1570 When a payment for the payment amount corresponding to the payment approval details is requested from, characterized in that it is provided with a cash settlement processing unit 1545 to settle the payment amount in connection with the financial system.

Merchant payment request information including at least one of the store information, business registration information, payment account information, payment amount information and customer terminal (1580) information from the store terminal 1575 through the information receiving unit 1515 When received, the information checking unit 1520 extracts the customer terminal 1580 information included in the affiliated store payment request information, and the customer communication means information and the customer communication means corresponding to the customer terminal 1580 information. And a communication function provided in the information transmitter 1525 (or a wireless message sending server (not shown) associated with the information transmitter 1525) and an automatic response server (shown). O), a mail server (not shown), a messenger interworking server (not shown), etc.), and transmits the affiliated store payment request information to the customer communication means, and then to the customer communication means. Emitter characterized in that it can ensure that customers receive a payment authorization information corresponding to the non-merchant payment request information.

According to an exemplary embodiment of the present invention, the communication function provided in the information transmitter 1525 includes a predetermined wireless message sending function (or the information transmitting unit 1525 is connected to a predetermined wireless message sending server (not shown)). Connection), receiving a predetermined wireless message in which customer communication means information corresponding to the information of the customer terminal 1580 includes the non-affiliated payment request information, and approving the customer payment through a predetermined callback URL. If the information includes wireless terminal information that can be transmitted to the affiliated store payment server 1500, the information check unit 1520 is the merchant communication request information to the customer communication means corresponding to the customer terminal 1580 information After transmitting, it is preferable to check whether customer payment approval information corresponding to the affiliated store payment request information can be received from the customer communication means.

According to another exemplary embodiment of the present invention, the communication function provided in the information transmitter 1525 includes a predetermined automatic response function (or the information transmission unit 1525 is associated with a predetermined automatic response server (not shown)). ), The customer communication means information corresponding to the information of the customer terminal 1580 receives a predetermined voicement including the affiliated store payment request information, and receives the customer payment approval information by a predetermined complex frequency encoding method. If it includes a phone number that can be transmitted to the merchant-free payment server 1500, the information verification unit 1520 transmits the merchant payment request information to the customer communication means corresponding to the information of the customer terminal (1580) It is preferable to check whether customer payment approval information corresponding to the affiliated store payment request information can be received from the customer communication means.

According to another exemplary embodiment of the present invention, the communication function provided in the information transmitter 1525 includes a predetermined messenger interworking function (or the information transmitter 1525 is connected to a predetermined messenger interworking server (not shown)). Link), the customer communication means information corresponding to the information of the customer terminal 1580 receives a message including the non-affiliate payment request information, and sends the customer payment approval information through the messenger to the non- merchant payment server ( 1500 includes the messenger ID information that can be transmitted, the information confirming unit 1520 transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal 1580 information, and then the customer communication. It is preferable to confirm whether customer payment approval information corresponding to the affiliated store payment request information can be received from the means.

As a result of confirming by the information checking unit 1520, after transmitting the affiliated store payment request information to the customer communication means corresponding to the information of the customer terminal 1580, the merchant communication request information from the customer communication means When the customer payment approval information can be received, the information transmission unit 1525 is connected to the customer terminal 1580 corresponding to the customer communication means through the confirmed communication network and the store information, business registration information and deposit account information; Characterized in that the information is transmitted to the affiliated store payment request information including at least one or more payment amount information and the customer terminal (1580) information.

According to an exemplary embodiment of the present invention, the information transmitter 1525 preferably includes the affiliated party payment request information in a predetermined wireless message and transmits the information to the customer terminal 1580 corresponding to the customer communication means. In this case, the customer terminal 1580 checks the non-affiliate payment request information, and then inputs customer payment approval information including at least one of predetermined customer information, customer card information, and customer approval information. It is preferable to transmit the connected communication network to the affiliated store payment server 1500.

According to another exemplary embodiment of the present invention, the information transmitting unit 1525 connects the voice terminal with the customer terminal 1580 corresponding to the customer communication unit, and then includes a voice including the affiliated party payment request information. It is preferable to transmit a comment to the customer terminal (1580), in this case, the customer terminal (1580) after confirming the non-merchant payment request information, at least one or more predetermined customer information, customer card information and customer approval information It is preferable to input the customer payment approval information including the complex frequency encoding method to transmit the communication network to which the customer terminal 1580 is connected to the merchant free payment server 1500.

According to another exemplary embodiment of the present invention, the information transmission unit 1525 includes the unsolicited merchant payment request information in a predetermined mail (or a message for a messenger) and corresponds to a mail address (or messenger) corresponding to the customer communication means. ID), and in this case, the customer terminal 1580 checks the non-affiliated merchant payment request information, and includes at least one predetermined customer information, customer card information, and customer approval information. It is preferable to transmit the communication network connected to the customer terminal 1580 to the merchant-free payment server 1500 by inputting.

When the customer payment approval information is transmitted from the customer terminal 1580, the customer payment approval information receiving unit 1530 includes at least one customer payment information, customer card information, and customer approval information through the communication network. And receiving information.

Here, the customer information is the personal information of the customer who purchased the tangible / intangible goods in the store (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer ( For example, the card company member information corresponding to the customer card, etc.) is preferably included.

Preferably, the customer card information includes at least one credit card information, a check card information, a debit card information, and a prepaid card information owned by the customer who has processed a payment amount included in the non- merchant payment request information. If the customer payment information is registered in the payment means D / B (1565) through the customer payment means registration system shown in FIG. It is possible to omit the customer card information, whereby the present invention is not limited.

Preferably, the customer approval information includes at least one card expiration date information and a card password for requesting the payment approval of the payment amount included in the non-affiliate payment request information through the customer card.

According to an embodiment of the present invention, when the information transmission unit 1525 includes the non-merchant payment request information in a wireless message including a predetermined callback UEL, the customer terminal 1580 transmits the customer payment. The approval information receiving unit 1530 may receive customer payment approval information including at least one of the customer information, the customer card information, and the customer approval information through the wireless Internet corresponding to the callback UEL.

According to another exemplary embodiment of the present invention, when the information transmission unit 1525 transmits the affiliated party payment request information to the customer terminal 1580 in a voice message through a predetermined automatic response method, the customer payment The approval information receiver 1530 may receive customer payment approval information including at least one of the customer information, the customer card information, and the customer approval information by the complex frequency encoding method.

According to another exemplary embodiment of the present invention, when the information transmission unit 1525 transmits the affiliated store payment request information to the customer terminal 1580 through a predetermined mail (or messenger), the customer payment approval The information receiving unit 1530 preferably receives customer payment approval information including at least one of the customer information, the customer card information, and the customer approval information through the mail (or messenger).

When the customer payment approval information including at least one of the customer information, the customer card information, and the customer approval information is received through the customer payment approval information receiving unit 1530, the full text generation unit 1535 is connected to the customer payment approval information. Characterized in that the payment approval request that includes the customer card information and customer approval information included and the payment amount information included in the merchant affiliated payment request information.

According to an embodiment of the present invention, when a merchant information exchange agreement (or contract) is concluded between the financial institution and the card company server 1570 through the business registration information, the customer through the customer payment approval information receiving unit 1530 When payment approval information is received, the full text generation unit 1535 confirms the card company server 1570 that issued the customer card from the customer card information included in the customer payment approval information, and through the predetermined financial network. By transmitting the business registration information included in the merchant affiliate payment request information to the card company server 1570, after receiving the registered merchant information corresponding to the business registration information from the card company server 1570, the customer payment approval information The customer card information and customer approval information included in the information, payment amount information included in the merchant payment request information, and the business registration information On the other hand, characterized in that for generating a payment approval request full text including the merchant information received from the card company server 1570, if the merchant registered in response to the business registration information from the card company server 1570 in this embodiment method If no information is received, it is preferable that the affiliated store payment is canceled.

According to another exemplary embodiment of the present invention, when the financial institution and the card company server 1570 have signed a payment authorization request transmission / reception agreement (or a contract) including business registration information of the store instead of merchant information, The full text generation unit 1535 provides the full payment approval request message including the customer card information included in the customer payment approval information, the customer approval information, the payment amount information included in the non- merchant payment request information, and the business registration information. It is characterized by generating.

According to another exemplary embodiment of the present invention, when a predetermined virtual merchant information agreement (or contract) is concluded between the financial institution and the card company server 1570 for the non merchant merchant payment processing, the full text generation unit 1535 ) Generates the full payment approval request message including the customer card information included in the customer payment approval information, the customer approval information, the payment amount information included in the non- merchant payment request information, and the virtual merchant information. .

When the payment approval request message is generated by the full text generation unit 1535, the payment approval request unit 1540 corresponds to the customer card information included in the customer payment approval information through a predetermined financial network (or a communication network). It is characterized in that for requesting the payment approval by transmitting the generated payment approval request full text to the card company server 1570 that issued the customer card, and predetermined from the card company server 1570 through the financial network (or communication network) Characterized in that for receiving the full payment approval response including a payment approval history or payment error details.

After the payment approval response message including the payment approval details is received from the card company server 1570 by the payment approval request unit 1540, the payment history storage unit 1550 stores the payment approval details in the non-affiliated store. It is characterized in that the predetermined payment information is generated by processing in association with the store information (or business registration information) and the payment account information included in the payment request information, and storing the generated payment history information in a predetermined storage medium, The payment history information preferably comprises a function of the electronic sales slip corresponding to the tax information for the store.

The information transmitting unit 1525 may transmit payment approval details (or payment error details) included in the full payment approval response message to the shop terminal 1575 and the customer terminal 1580 through respective communication networks. .

After the payment approval response message including the payment approval details is received from the card company server 1570 by the payment approval request unit 1540, the money settlement processing unit 1545 receives the payment from the card company server 1570. Since the settlement of funds for the payment amount corresponding to the approval details is requested, the payment amount is deposited into the financial institution account from the card company server 1570 based on the payment approval number included in the payment approval details through the financial system. When a predetermined settlement amount is calculated by subtracting a predetermined fee from the settlement amount, the settlement account corresponding to the payment account information included in the settlement history information stored in the storage medium in connection with the financial system. It is characterized in that the payment is processed by payment.

FIG. 16 is a diagram illustrating a non-affiliated payment request process of a card payment method according to an exemplary embodiment of the present invention.

In more detail, FIG. 16 shows at least store information, business registration information, payment account information, payment amount information, and customer terminal information through a predetermined communication network in a store terminal of the cardless payment system. When sending the affiliated store payment request information including one or more to the affiliated store payment server, the affiliated store payment request is transmitted through the predetermined communication network based on the customer terminal information included in the affiliated store payment request information. After transmitting the information, the process of receiving customer payment approval information including at least one or more customer information, customer card information and customer approval information from the customer terminal, specifically, the store terminal to the merchant merchant payment server Access to receive a predetermined merchant payment request information input interface, Through the merchant-free payment request information input interface, the merchant-free payment request information including at least one of the store information, the business registration information, the deposit account information, the payment amount information, and the customer terminal information is transmitted to the merchant payment server. It's about how.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for the non-merchant payment request process of the card payment method. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the merchant-less payment server on the merchant-less payment system of the card payment method shown in FIG. 15 is referred to as a "server" for convenience.

Referring to FIG. 16, the store terminal accesses the server through a predetermined communication network, connects a communication channel for payment processing of an affiliated store, and stores information, a business registration information, and a deposit account information to the server through the communication channel. And a predetermined merchant payment request information input interface (for example, the store information and business registration) for inputting (or selecting) the affiliated store payment request information including at least one payment amount information and customer terminal information and transmitting the same to the server. A web page including a user interface for inputting (or selecting) non-affiliate payment request information including at least one of information, payment account information, payment amount information, and customer terminal information (1600), and correspondingly The server generates (or extracts) a predetermined merchant payment request information input interface for a predetermined transaction. The mobile station transmits the information to the store terminal through a communication channel (1605).

Thereafter, the store terminal inputs at least one affiliated store payment request information including at least one of the store information, the business registration information, the deposit account information, the payment amount information, and the customer terminal information through the non- merchant payment request information input interface ( Or select (1610).

The store information may include store name information, store address information, store representative information, at least one conversion number (or fax number, or e-mail) for an online store (or offline store) providing non-affiliated store payment through the communication network. And at least one store contact information including an address, etc.), and the store information is pre-registered in the store information D / B through the unregistered store information registration system shown in FIG. 1 or 3. In this case, it is possible to omit the shop information from the merchant affiliated payment request information, whereby the present invention is not limited.

The business registration information may include a business registration number of an online store (or an offline store) that provides payment to an affiliated store through the communication network, and a business registration certificate such as business status / item information of the store according to the intention of a person skilled in the art. It is preferable to include at least one or more information included in, if the business registration information is registered in the store information D / B through the non-affiliate store information registration system shown in Figure 1 or 3, It is possible to omit the business registration information from the merchant payment request information, whereby the present invention is not limited.

Preferably, the deposit account information includes an account number, a financial institution code, and a depositor's name to which a payment amount corresponding to an unregistered store payment through the communication network is to be deposited, and the deposit account information is provided through the communication network under the depositor's name. It is preferable to include the financial account information opened in a financial institution that provides a merchant affiliated payment, the deposit account information is stored in the store information D / B through the merchant information registration system shown in Figure 1 or Figure 3 If already registered, it is possible to omit the deposit account information from the merchant affiliated payment request information, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the affiliated store registration information is previously registered in the store information D / B through the affiliated store information registration system shown in FIG. 1 or 3, the affiliated store payment request information is It is preferable to include at least one or more information of the store information, business registration information and the payment account information.

The payment amount information is preferably made to include a payment request amount for the sold product after selling the tangible / intangible product to a predetermined customer in the store.

The customer terminal information preferably comprises at least one communication means information owned by the customer (or used by the customer at the point of non-affiliate payment) to transmit the non-affiliate payment request information through a predetermined communication network.

According to one embodiment of the invention, the customer terminal information preferably comprises the customer owned wireless terminal information (for example, wireless terminal telephone number, or wireless terminal address information, etc.).

According to another exemplary embodiment of the present invention, the customer terminal information may include messenger ID information and mail for the customer to receive the affiliated store payment request information to confirm the affiliated store payment request information through a predetermined terminal device. It is preferable to include at least one or more address information.

If the affiliated store payment request information is input (or selected) (1615), the store terminal transmits the affiliated store payment request information to the server through the communication channel (1620), and the server correspondingly In operation 1625, the merchant merchant payment validity of the customer terminal information included in the received merchant merchant payment request information is checked.

According to an embodiment of the present invention, the server checks the customer communication means corresponding to the customer terminal information included in the non-affiliate payment request information and the communication network corresponding to the customer communication means, and the affiliated store as the customer communication means. After transmitting the payment request information, it is preferable to check whether customer payment approval information corresponding to the affiliated store payment request information can be received from the customer communication means.

According to an embodiment of the present invention, when the communication function provided in the server includes a predetermined wireless message sending function (or the server is associated with a predetermined wireless message sending server (not shown)), A wireless terminal capable of receiving a predetermined wireless message in which the corresponding customer communication means information includes the affiliated store payment request information and transmitting the customer payment approval information to the affiliated store payment server through a predetermined callback URL. If the information is included, the information confirming unit transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal information, customer payment approval information corresponding to the non-affiliate payment request information from the customer communication means It is desirable to check whether it can be received.

According to another embodiment of the present invention, when the communication function provided in the server includes a predetermined auto-response function (or when the server is linked with a predetermined auto-response server (not shown)), the terminal responds to the customer terminal information. If the customer communication means information receives a predetermined voicement including the affiliated store payment request information and includes a telephone number for transmitting the customer payment approval information to the affiliated store payment server in a predetermined complex frequency encoding scheme; The information checking unit may receive the customer payment approval information corresponding to the affiliated store payment request information from the customer communication unit after transmitting the affiliated store payment request information to the customer communication unit corresponding to the customer terminal information. It is desirable to see if it can.

According to another embodiment of the present invention, when the communication function provided in the server includes a predetermined messenger interworking function (or the server is linked with a predetermined messenger interworking server (not shown)), If the corresponding customer communication means information includes a message containing the non-affiliate payment request information and includes the messenger ID information for transmitting the customer payment approval information to the non-affiliated payment server through the messenger, the information is confirmed. The unit transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal information, and then confirms whether the customer payment approval information corresponding to the non-affiliate payment request information is received from the customer communication means. desirable.

If the non-affiliate payment validity of the customer terminal information included in the non-affiliated payment request information is not confirmed (1630), the server generates predetermined customer terminal error information and transmits the predetermined terminal error information to the store terminal through the communication channel. 1635, the merchant merchant payment procedure ends.

On the other hand, if the validity of the non-affiliate payment for the customer terminal information included in the non-affiliate payment request information is confirmed (1630), the server through the communication network corresponding to the customer terminal information to the non-affiliated merchant payment request information In operation 1640, a customer payment approval information input interface for transmitting and receiving customer payment approval information from the customer terminal in response to the affiliated store payment request information is provided.

According to an exemplary embodiment of the present invention, the server preferably includes the non-affiliated payment request information in a predetermined wireless message and transmits the same to the customer terminal corresponding to the customer communication means, in which case the customer terminal is free of the request. After confirming the merchant payment request information, inputting customer payment approval information including at least one predetermined customer information, customer card information and customer approval information, and transmitting the communication network connected to the customer terminal to the merchant payment server. desirable.

According to another exemplary embodiment of the present invention, the server connects a voice call channel with a customer terminal corresponding to the customer communication means, and transmits a voicement including the affiliated party payment request information to the customer terminal. Preferably, in this case, after confirming the payment information of the affiliated store, the customer terminal inputs customer payment approval information including at least one of predetermined customer information, customer card information, and customer approval information by using a complex frequency encoding method. It is preferable to transmit the communication network to which the customer terminal is connected to the merchant free payment server.

According to another embodiment of the present invention, the server transmits the mail address (or messenger ID) corresponding to the customer communication means by including the non-affiliated payment request information in a predetermined mail (or message for a messenger). Preferably, in this case, the customer terminal checks the non-affiliated merchant payment request information, inputs customer payment approval information including at least one of predetermined customer information, customer card information, and customer approval information. It is preferable to transmit the connected communication network to the affiliated store payment server.

Thereafter, the customer terminal inputs (or selects) customer payment approval information including at least one of the customer information, customer card information, and customer approval information through the customer payment approval information input interface (1645), and the customer payment. When the approval information is input (or selected) (1650), the customer payment approval information is transmitted to the server through the communication network (1655).

Here, the customer information is the personal information of the customer who purchased the tangible / intangible goods in the store (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer ( For example, the card company member information corresponding to the customer card, etc.) is preferably included.

Preferably, the customer card information includes at least one credit card information, a check card information, a debit card information, and a prepaid card information owned by the customer who has processed a payment amount included in the non-affiliated payment request information. When the customer payment information is registered in the payment means D / B by including the customer card information in the payment means D / B through the customer payment means registration system shown in FIG. 6 or 8, the customer in the customer payment approval information It is possible to omit the card information, whereby the present invention is not limited.

Preferably, the customer approval information includes at least one card expiration date information and a card password for requesting the payment approval of the payment amount included in the non-affiliate payment request information through the customer card.

According to an embodiment of the present invention, when the information transmission unit transmits the wireless terminal including a predetermined callback UEL including the non-affiliated payment request information to the customer terminal, the customer payment approval information receiver receives the callback UEL. It is preferable to receive customer payment approval information including at least one of the customer information, the customer card information, and the customer approval information through the corresponding wireless Internet.

According to another exemplary embodiment of the present invention, when the information transmitter includes the affiliated party payment request information in a voice message through a predetermined automatic response method, the customer payment approval information receiver includes the complex frequency. It is preferable to receive customer payment approval information including at least one of the customer information, customer card information, and customer approval information by an encoding method.

According to another embodiment of the present invention, when the information transmitting unit transmits the affiliated store payment request information to the customer terminal through a predetermined mail (or messenger), the customer payment approval information receiving unit receives the mail (or Messenger), it is preferable to receive customer payment approval information including at least one of the customer information, customer card information and customer approval information.

FIG. 17 is a diagram illustrating a non-affiliated payment request process of a card payment method according to another exemplary embodiment of the present invention.

In more detail, FIG. 17 shows at least store information, business registration information, payment account information, payment amount information, and customer terminal information through a predetermined communication network in a store terminal of the non-affiliated payment system of the card payment method shown in FIG. When sending the affiliated store payment request information including one or more to the affiliated store payment server, the affiliated store payment request is transmitted through the predetermined communication network based on the customer terminal information included in the affiliated store payment request information. After transmitting the information, the process of receiving customer payment approval information including at least one or more customer information, customer card information and customer approval information from the customer terminal, specifically, a predetermined merchant payment request to the store terminal If you do not have a merchant payment program that includes an information entry interface And the merchant merchant payment request information including at least one of the store information, the business registration information, the payment account information, the payment amount information, and the customer terminal information through the merchant merchant payment program that includes the merchant terminal. It is about the implementation method to transmit.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 17 to infer various implementation methods for the non-merchant payment request process of the card payment method. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 17, the merchant-less payment server on the merchant-less payment system of the card payment system shown in FIG. 15 will be referred to as "server" for convenience.

Referring to FIG. 17, the store terminal does not have any predetermined information for inputting (or selecting) non-affiliated merchant payment request information including at least one of store information, business registration information, deposit account information, payment amount information, and customer terminal information. A merchant payment request information input interface (eg, a merchant payment program) is output (1700), and the merchant information, business registration information, payment account information, payment amount information, and customer terminal information are received through the merchant payment request information input interface. In operation 1705, it is determined whether to input (or select) the affiliated store payment request information including at least one or more.

The store information may include store name information, store address information, store representative information, at least one conversion number (or fax number, or e-mail) for an online store (or offline store) providing non-affiliated store payment through the communication network. And at least one store contact information including an address, etc.), and the store information is pre-registered in the store information D / B through the unregistered store information registration system shown in FIG. 1 or 3. In this case, it is possible to omit the shop information from the merchant affiliated payment request information, whereby the present invention is not limited.

The business registration information may include a business registration number of an online store (or an offline store) that provides payment to an affiliated store through the communication network, and a business registration certificate such as business status / item information of the store according to the intention of a person skilled in the art. It is preferable to include at least one or more information included in, if the business registration information is registered in the store information D / B through the non-affiliate store information registration system shown in Figure 1 or 3, It is possible to omit the business registration information from the merchant payment request information, whereby the present invention is not limited.

Preferably, the deposit account information includes an account number, a financial institution code, and a depositor's name to which a payment amount corresponding to an unaffiliated store payment through the communication network is to be deposited, and the deposit account information is provided through the communication network under the depositor's name. It is preferable to include the financial account information opened in a financial institution that provides a merchant affiliated payment, the deposit account information is stored in the store information D / B through the merchant information registration system shown in Figure 1 or Figure 3 If already registered, it is possible to omit the deposit account information from the merchant affiliated payment request information, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, when the affiliated store registration information is previously registered in the store information D / B through the affiliated store information registration system shown in FIG. 1 or 3, the affiliated store payment request information is It is preferable to include at least one or more information of the store information, business registration information and the payment account information.

The payment amount information is preferably made to include a payment request amount for the sold product after selling the tangible / intangible product to a predetermined customer in the store.

The customer terminal information preferably comprises at least one communication means information owned by the customer (or used by the customer at the point of non-affiliate payment) to transmit the non-affiliate payment request information through a predetermined communication network.

According to one embodiment of the invention, the customer terminal information preferably comprises the customer owned wireless terminal information (for example, wireless terminal telephone number, or wireless terminal address information, etc.).

According to another exemplary embodiment of the present invention, the customer terminal information may include messenger ID information and mail for the customer to receive the affiliated store payment request information to confirm the affiliated store payment request information through a predetermined terminal device. It is preferable to include at least one or more address information.

If the non-merchant payment request information is input (or selected) (1710), at least one store information, business registration information, payment account information, payment amount information and customer terminal information to the server through a predetermined communication network; Connect a communication channel for transmitting the affiliated store payment request information (1715), and transmit the affiliated store payment request information to the server through the communication channel (1720), and correspondingly, the server receives the received affiliated store The merchant verification of the customer terminal information included in the payment request information is checked (1725).

According to an embodiment of the present invention, the server checks the customer communication means corresponding to the customer terminal information included in the non-affiliate payment request information and the communication network corresponding to the customer communication means, and the affiliated store as the customer communication means. After transmitting the payment request information, it is preferable to check whether the customer payment approval information corresponding to the affiliated store payment request information can be received from the customer communication means.

According to an embodiment of the present invention, when the communication function provided in the server includes a predetermined wireless message sending function (or the server is associated with a predetermined wireless message sending server (not shown)), A wireless terminal capable of receiving a predetermined wireless message in which the corresponding customer communication means information includes the affiliated store payment request information and transmitting the customer payment approval information to the affiliated store payment server through a predetermined callback URL. If the information is included, the information confirming unit transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal information, customer payment approval information corresponding to the non-affiliate payment request information from the customer communication means It is desirable to check whether it can be received.

According to another embodiment of the present invention, when the communication function provided in the server includes a predetermined auto-response function (or when the server is linked with a predetermined auto-response server (not shown)), the terminal responds to the customer terminal information. If the customer communication means information receives a predetermined voicement including the affiliated store payment request information and includes a telephone number for transmitting the customer payment approval information to the affiliated store payment server in a predetermined complex frequency encoding scheme; The information checking unit may receive the customer payment approval information corresponding to the affiliated store payment request information from the customer communication unit after transmitting the affiliated store payment request information to the customer communication unit corresponding to the customer terminal information. It is desirable to check.

According to another embodiment of the present invention, when the communication function provided in the server includes a predetermined messenger interworking function (or the server is linked with a predetermined messenger interworking server (not shown)), If the corresponding customer communication means information includes a message containing the non-affiliate payment request information and includes the messenger ID information for transmitting the customer payment approval information to the non-affiliated payment server through the messenger, the information is confirmed. The unit transmits the non-affiliate payment request information to the customer communication means corresponding to the customer terminal information, and then confirms whether the customer payment approval information corresponding to the non-affiliate payment request information is received from the customer communication means. desirable.

If the non-affiliate payment validity of the customer terminal information included in the non-affiliate payment request information is not confirmed (1730), the server generates predetermined customer terminal error information and transmits it to the store terminal through the communication channel. 1735, the merchant does not terminate the payment process.

On the other hand, when the validity of the non-affiliate payment for the customer terminal information included in the non-affiliate payment request information is confirmed (1730), the server sends the non-affiliated payment information to the customer terminal through a communication network corresponding to the customer terminal information. In operation 1740, a customer payment approval information input interface for transmitting and receiving predetermined customer payment approval information from the customer terminal in response to the non- merchant payment request information is provided.

According to an exemplary embodiment of the present invention, the server preferably includes the non-affiliated payment request information in a predetermined wireless message and transmits the same to the customer terminal corresponding to the customer communication means, in which case the customer terminal is free of the request. After confirming the merchant payment request information, inputting customer payment approval information including at least one predetermined customer information, customer card information and customer approval information, and transmitting the communication network connected to the customer terminal to the merchant payment server. desirable.

According to another exemplary embodiment of the present invention, the server connects a voice call channel with a customer terminal corresponding to the customer communication means, and transmits a voicement including the affiliated party payment request information to the customer terminal. Preferably, in this case, after confirming the payment information of the affiliated store, the customer terminal inputs customer payment approval information including at least one of predetermined customer information, customer card information, and customer approval information by using a complex frequency encoding method. It is preferable to transmit the communication network to which the customer terminal is connected to the merchant free payment server.

According to another exemplary embodiment of the present invention, the server transmits the mail address (or messenger ID) corresponding to the customer communication means by including the unsolicited merchant payment request information in a predetermined mail (or messenger message). Preferably, in this case, the customer terminal checks the non-affiliate payment request information, inputs customer payment approval information including at least one of predetermined customer information, customer card information, and customer approval information to access the customer terminal. It is preferable to transmit a communication network to the merchant free payment server.

Thereafter, the customer terminal inputs (or selects) customer payment approval information including at least one of the customer information, the customer card information, and the customer approval information through the customer payment approval information input interface (1745), and the customer payment. When the approval information is input (or selected) (1750), the customer payment approval information is transmitted to the server through the communication network (1755).

Here, the customer information is the personal information of the customer who purchased the tangible / intangible goods in the store (for example, the customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the member information of the customer ( For example, the card company member information corresponding to the customer card, etc.) is preferably included.

Preferably, the customer card information includes at least one credit card information, a check card information, a debit card information, and a prepaid card information owned by the customer, which has processed a payment amount included in the non-affiliated payment request information. When the customer payment information is registered in the payment means D / B by including the customer card information in the payment means D / B through the customer payment means registration system shown in FIG. 6 or 8, the customer in the customer payment approval information It is possible to omit the card information, whereby the present invention is not limited.

Preferably, the customer approval information includes at least one card expiration date information and a card password for requesting the payment approval of the payment amount included in the non-affiliate payment request information through the customer card.

According to an embodiment of the present invention, when the information transmission unit transmits the wireless terminal including a predetermined callback UEL including the non-affiliated payment request information to the customer terminal, the customer payment approval information receiver receives the callback UEL. It is preferable to receive customer payment approval information including at least one of the customer information, the customer card information, and the customer approval information through the corresponding wireless Internet.

According to another exemplary embodiment of the present invention, when the information transmitter includes the affiliated party payment request information in a voice message through a predetermined automatic response method, the customer payment approval information receiver includes the complex frequency. It is preferable to receive customer payment approval information including at least one of the customer information, customer card information, and customer approval information by an encoding method.

According to another embodiment of the present invention, when the information transmitting unit transmits the affiliated store payment request information to the customer terminal through a predetermined mail (or messenger), the customer payment approval information receiving unit receives the mail (or Messenger), it is preferable to receive customer payment approval information including at least one of the customer information, customer card information and customer approval information.

18 is a view showing a merchant payment processing process of the card payment method according to the embodiment of the present invention.

In more detail, FIG. 18 shows the customer information, the customer card information, and the customer approval from the customer terminal on the cardless payment system not shown in FIG. When the customer payment approval information including at least one information is received, the customer card information and customer approval information included in the customer payment approval information and the payment account information included in the non- merchant payment request information are received from the merchant payment server. As a process for processing a merchant payment of a card payment method based on payment amount information, those of ordinary skill in the art to which the present invention belongs, the card payment method by referring to and / or modified in this figure 18 It will be possible to infer various implementation methods for the merchant's payment processing process of the present invention, the present invention Is made, including any exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 18.

In the following figure 18, the merchant-less payment server on the merchant-less payment system of the card payment system shown in FIG. 15 is referred to as "server" for convenience.

Referring to FIG. 18, if customer payment approval information including at least one of the customer information, the customer card information, and the customer approval information is received from the customer terminal through the non-affiliate payment request process shown in FIG. 16 or 17. In operation 1805, the server generates a full payment approval request message including customer card information included in the customer payment approval information, customer approval information, and payment amount information included in the affiliated store payment request information (1805).

When the merchant information exchange agreement (or contract) between the financial institution and the card company server through the business registration information is concluded according to an embodiment of the present invention, when the customer payment approval information is received through the customer payment approval information receiving unit The server checks the card company server that issued the customer card from the customer card information included in the customer payment approval information, and registers a business included in the merchant affiliate payment request information to the card company server through a predetermined financial network. By transmitting the information, receiving the merchant information registered in response to the business registration information from the card company server, and included in the customer card information, customer approval information and the merchant payment request information included in the customer payment approval information From the card company server based on the received payment amount information and the business registration information. Characterized in that the payment approval request message containing the new merchant information is generated. If the merchant information registered corresponding to the business registration information is not received from the card company server in the present embodiment, the merchant payment is canceled It is preferable.

According to another exemplary embodiment of the present invention, when a payment approval request professional transmission / reception agreement (or contract) including a business registration information of the store is concluded between the financial institution and the card company server, the server may be configured. Characterized in that the customer card information and customer approval information included in the customer payment approval information, the payment amount information included in the merchant payment request information, characterized in that it generates a full payment approval request including the business registration information.

According to another exemplary embodiment of the present invention, when a predetermined virtual merchant information agreement (or contract) is concluded between the financial institution and the card company server for the non merchant merchant payment processing, the server may be configured to the customer payment approval information. Characterized by the customer card information and customer approval information, the payment amount information included in the non-affiliate payment request information, characterized in that for generating the full payment approval request including the virtual merchant information.

If a payment approval request text for the merchant payment processing of the card payment method is generated (1810), the server corresponds to the customer card information included in the customer payment approval information through a predetermined financial network (or communication network); Send the generated payment approval request message to the card company server that issued the customer card to request payment approval, and receive a payment approval response message including any one of a predetermined payment approval history or a payment error history from the card company server. (1815).

Thereafter, the server reads the received payment approval response message and confirms that the merchant free payment through the customer card is approved (1820).

If the merchant-free payment through the customer card is not authorized (1825), the server transmits predetermined merchant-free payment error information to the customer terminal and the store terminal through each communication network (1830), and the card payment method End the merchant payment process.

On the other hand, if the non-affiliated payment via the customer card is approved (1825), the server processes the payment approval details in association with the store information (or business registration information) and the payment account information included in the non-affiliated payment request information predetermined The payment history information is generated (1835), and the generated payment history information is stored in a predetermined storage medium (1840).

Here, the payment history information preferably comprises a function of the electronic sales slip corresponding to the tax information for the store.

Thereafter, the server transmits the payment history information to the customer terminal through each communication network or to the store terminal (1845).

In addition, the server checks from the card company server whether the payment for the payment amount corresponding to the payment approval details is processed (1850), if the payment for the payment amount is processed (for example, the bank from the card company server) When the payment amount is deposited into the financial institution account based on the payment approval number included in the payment approval history through the system) (1855), the server subtracts a predetermined fee from the payment amount to reduce the predetermined settlement amount. After the calculation, the settlement amount is transferred to the deposit account corresponding to the deposit account information included in the payment history information stored in the storage medium in connection with the financial system (1860).

According to the present invention, an account transfer method or a card payment method without a separate merchant contract through a predetermined communication device (or possessed by a salesperson, a door-to-door salesperson, a courier driver, a surrogate driver, etc.) already provided in a store. Has the advantage of providing electronic payment services.

Claims (5)

delete A store terminal for transmitting the store information for the non-affiliated payment and the payment request information including one or more of the store's deposit account information, the payment amount information and the customer terminal information without a merchant contract between the store and the card company to the financial company server; A financial company server for transmitting the payment request information to a customer terminal corresponding to the customer terminal information; And a customer terminal for transmitting the customer card information for paying the payment amount and customer approval information for approving the payment amount through the customer card to the financial company server. The financial company server, Create a payment approval request message including the customer card information, the customer approval information and the payment amount information on behalf of the store that has not signed the merchant contract, and transmits the request to the card company server corresponding to the customer card to request payment approval. Unauthorized payment system using a communication network characterized in that. Transmitting, at a store terminal, payment information including at least one store information for payment without an affiliated store and a payment account information of the store, payment amount information, and customer terminal information without a merchant contract between a store and a card company to a financial company server; Transmitting the payment request information from the financial company server to a customer terminal corresponding to the customer terminal information; Transmitting customer account information for withdrawing the payment amount from the customer terminal and customer approval information for withdrawing the payment amount from the customer account and depositing the payment amount into the deposit account; Authenticating the customer approval information at the financial company server, and withdrawing the payment amount from the customer account and depositing the payment to the deposit account of the store where the merchant contract is not concluded. Merchant payment method. Transmitting, at a store terminal, payment information including at least one store information for payment without an affiliated store and a payment account information of the store, payment amount information, and customer terminal information without a merchant contract between a store and a card company to a financial company server; Transmitting the payment request information from the financial company server to a customer terminal corresponding to the customer terminal information; Transmitting, at the customer terminal, customer card information for paying the payment amount and customer approval information for approving the payment amount through the customer card to the financial company server; Generating a payment approval request message including the customer card information, the customer approval information, and the payment amount information on behalf of a store for which the merchant contract is not concluded at the financial company server and transmitting the generated payment approval request message to a card company server corresponding to the customer card; When the card company server processes the payment approval for the payment amount through the customer card information and the customer approval information, and processes the payment settlement for the payment amount, the financial company server deposits the payment amount into the deposit account. Steps for non-affiliated payment using a communication network, characterized in that comprises a. A recording medium comprising a program for executing the method of claim 3 or 4.

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