KR20090081745A - Payment processing method and record medium between subscriber online account and merchant online account - Google Patents

Abstract

The present invention relates to a payment processing method and a recording medium between the subscriber online account and the merchant online account, and the payment method between the subscriber online account and the merchant online account according to the present invention, by calling a merchant to make an article (or service) When the subscriber requesting the purchase requests the purchase of goods (or services), receiving a payment authorization request for purchasing the goods (or services) of the subscriber, and a merchant phone number based online corresponding to the merchant's phone number. Verifying an account, a subscriber's telephone number based online account corresponding to the subscriber's telephone number, and if the amount deposited in the subscriber's telephone number based online account is greater than or equal to the purchase price of the article (or service); Of the amount deposited (or charged) in the underlying online account; Comprising the step of transferring process with the merchant phone number based online accounts confirm the payment.

Description

Method for Processing Payment Settlement between Customer Online Account and Affiliated Store Online Account and Recording Medium}

1 is a diagram illustrating an online account registration system for providing an online account for a subscriber according to an embodiment of the present invention.

2 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to an embodiment of the present invention.

6 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a system for registering a face-to-face account linking application information for linking with an online account issued through a telecommunication company for a merchant in accordance with one embodiment of the present invention.

FIG. 11 illustrates the configuration of account linkage application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for linkage with an online account issued through a telecommunication company for a merchant in accordance with an embodiment of the present invention. Drawing.

12 is an application for linking accounts stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for interworking with an online account issued through a telecommunication company for a merchant in accordance with another embodiment of the present invention. It is a figure which shows an information structure.

FIG. 13 is a diagram illustrating the configuration of account linkage application information stored in a DBMS provided in a banking server in a face-to-face manner for interworking with an online account issued through a telecommunication company for a merchant in accordance with another embodiment of the present invention.

14A and 14B illustrate a process of registering account linking application information in a face-to-face manner according to an embodiment of the present invention.

15A and 15B illustrate a process of registering account linking application information in a face-to-face manner according to another exemplary embodiment of the present invention.

16A and 16B illustrate a process of registering account linking application information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 17 is a diagram illustrating a non-face-to-face account linking application information registration system for linking with an online account issued through a telecommunication company for a merchant according to another embodiment of the present invention.

18 is a view illustrating the configuration of account linkage application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for interworking with an online account issued through a telecommunication company for a merchant in accordance with an embodiment of the present invention. One drawing.

19 is linked to an account stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for interworking with the online account issued through the telecommunications company for the merchant in accordance with another embodiment of the present invention It is a figure which shows the structure of application information.

20 is a view showing the configuration of the account interworking application information stored in the DBMS provided in the banking server in a non-face-to-face for interworking with the online account issued through the carrier for the merchant in accordance with another embodiment of the present invention .

21A and 21B are views illustrating a process of registering account linking application information in a non-face-to-face manner for interworking with an online account issued through a telecommunication company for a merchant in accordance with one embodiment of the present invention.

22A, 22B, and 22C illustrate a process of registering account linking application information through a non-face-to-face financial transaction channel for interworking with an online account issued through a telecommunication company for a merchant in accordance with one embodiment of the present invention. Drawing.

FIG. 23 is a diagram illustrating a financial transaction system for providing a payment service between an online subscriber account and an online merchant account according to an embodiment of the present invention.

24 is a diagram illustrating an operation process of a financial transaction system for providing a payment service between a subscriber online account and a merchant online account according to an embodiment of the present invention.

<Description of main parts of drawing>

100: web server 105: interface

110: interface providing unit 115: Web service unit

120: information receiving unit 125: information storing unit

130: information relay unit 135: storage medium

140: information processing server 145: information receiving unit

150: Ga Shin-kyu establishment 155: Virtual account processing unit

160: new provisions management unit 165: real name confirmation unit

170: new account processing unit 175: customer terminal

According to the present invention, when a subscriber who calls a member to request a purchase of an article (or service) receives a request for payment of an article (or service), the subscriber receives a request for payment approval according to the purchase of the article (or service); Identifying an affiliated store number-based online account corresponding to the affiliated store's telephone number, a subscriber's telephone number based online account corresponding to the subscriber's phone number, and an amount deposited in the subscriber's telephone number based online account; (Or service) if the purchase price is more than the purchase price, the transfer of the purchase price (or service) of the goods (or services) of the amount deposited (or charged) in the subscriber phone number-based online account to the verified merchant phone number based online account; It relates to a payment processing method between the subscriber online account and the merchant online account.

The development of information and communication technology and modern society has led to the spread of telephones in most homes, and these telephones are widely used in various areas.

In such a situation, people purchase goods through home shopping using a telephone, or when ordering foods such as food, pay cash or call a card number for payment processing by purchasing a product over the telephone. The method is used.

However, if the card number is called by phone, there is a risk due to the exposure of the card number, so this situation needs to be supplemented.

An object of the present invention for solving the above problems is, when a subscriber who calls a merchant and requests the purchase of goods (or services) requests the purchase of goods (or services), payment according to the purchase of the goods (or services) of the subscriber Receiving a payment approval request, checking a merchant phone number based online account corresponding to the merchant's phone number, a subscriber phone number based online account corresponding to the subscriber's phone number, and based on the subscriber's phone number If the amount deposited in the online account is equal to or greater than the purchase price of the article (or service), the purchase price of the article (or service) of the amount deposited (or charged) in the online account is based on the confirmed merchant phone number. Payment between a member online account and a merchant online account, including the step of transferring to an online account To provide a payment processing method.

In the payment processing method between the subscriber online account and the merchant online account according to the present invention, when the subscriber who calls the merchant and requests the purchase of goods (or services) requests the purchase of goods (or services), the goods (or services) of the subscriber Service) receiving a payment approval request according to a purchase, checking a merchant phone number based online account corresponding to the merchant's phone number, and a subscriber's phone number based online account corresponding to the subscriber's phone number And if the amount deposited in the subscriber's telephone number based online account is equal to or greater than the purchase price of the article (or services), the purchase price of the article (or services) among the amounts deposited (or charged) in the subscriber's telephone number based online account. And performing a transfer process to the confirmed merchant phone number based online account. It is characterized by.

In the payment processing method between the subscriber online account and the merchant online account according to the present invention, an amount corresponding to the purchase price among the amounts deposited (or charged) in the subscriber phone number based online account is the merchant phone number based online account. The transfer processing may include: approving the payment approval request when the amount deposited in the subscriber's telephone number based online account is greater than or equal to the purchase price, and purchasing the approved product (or service). If it is confirmed that the goods (or services) provided for, the subscriber phone number based on the online account account for the purchase price is characterized in that it comprises the step of transferring the purchase price.

In the payment processing method between the subscriber online account and the merchant online account according to the present invention, the step of approving the payment approval request, the purchase of the amount deposited (or charged) in the subscriber phone number-based online account Characterized in that it further comprises the step of setting the withdrawal of the amount corresponding to the price.

On the other hand, it includes a computer-readable recording medium recording a program for executing the payment processing method between the subscriber online account and the merchant online account described above.

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 a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating an online account registration system for providing an online account for a subscriber according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates an online account for opening an online account for providing an online account for a subscriber to a predetermined web server 100 through a predetermined network means at a predetermined customer terminal 175. When the application information is provided, the web server 100 provides the online account application information provided from the customer terminal 175 to a predetermined information processing server 140 provided at a predetermined financial institution, thereby providing the information processing server ( A system for opening an online account corresponding to the online account application information at 140), specifically, a system for opening an online account in the form of a virtual account having a real account in which the online account is operated by a predetermined telecommunication company. It is a figure which shows a structure.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to provide an online account for subscribers in addition to an online account in the form of a virtual account whose real account is operated by the telecommunication company. Although it may be possible to infer an implementation method for a system for registering various types of online accounts for the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to an implementation method for a system for registering an online account in the form of a pseudo-new account which introduces the concept of a rechargeable prepaid card by referring to and / or modifying the drawing 1. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, if a person having ordinary knowledge in the technical field to which the present invention belongs, when providing an online account to the subscriber by referring to and modifying the present Figure 1, the subscriber's account is not the mother account, without the actual account of the carrier The present invention is not limited thereto.

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account having a real account operated by the telecommunications company as a parent account is provided through a predetermined web server. (100) (e.g., a portal server, etc.) to access the subscriber without real name verification (e.g., financial real name pursuant to the Act on Real Name Financial Transactions and Confidentiality and Concurrent Enforcement Decree (Presidential Decree No. 15744)). A customer terminal 175 requesting an online account registration (or opening) for providing an online account and providing predetermined online account application information corresponding to the online account registration (or opening) to the web server 100. And, connected to the customer terminal 175 through a predetermined network means to receive predetermined online account application information from the customer terminal 175, the received A web server 100 that provides line account application information to an information processing server 140 provided at a predetermined financial institution, and is connected to the web server 100 through a predetermined communication means from the web server 100. An information processing server 140 that receives the online account application information and processes and opens an online account corresponding to the online account application information in the name of the customer based on the received online account application information; It is equipped with a financial system that manages online accounts processed as false.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, wherein the financial transaction is performed by the financial account regarding financial real name transactions and confidentiality. To real name financial account corresponding to law and simultaneous decree (Presidential Decree 15744) If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art 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. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

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 A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) 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) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

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, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

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 telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) 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) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one or more customer terminals 175 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the server 100, and receives a variety of application services provided by the web server 100.

Here, the wired terminal connected to the wired communication network among the customer terminals 175 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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 data. It comprises a wireless data communication terminal connected to a communication network including at least one and preferably all.

The web server 100 is a search service including at least one information / content to a customer terminal 175 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 175 is sold to (or requested to open) the at least one customer online by the financial institution. And financial product information, wherein the financial product information includes at least one online account product information for the customer to register an online account for providing an online account for the subscriber. do.

In addition, the web server 100 is applied to the customer through the network means including the wired and / or wireless communication network (eg, an online account for providing an online account for the subscriber) (or At least one user interface for the purchase) to the customer terminal 175, wherein the customer terminal 175 is a predetermined online account for providing an online account for the subscriber through the user interface. The application information may be input (or selected) and transmitted to the web server 100 through a network means including the wired communication network and / or the wireless communication network.

To this end, the client terminal 175 outputs at least one user interface provided from the web server 100, inputs and / or selects at least one online account application information through the user interface, and then selects the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 100 as described above, and input at least one or more online account application information through the user interface. Since the features of the customer terminal 175 corresponding to at least one or more wired terminals and / or wireless terminals that are selected and transmitted to the web server 100 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the web server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the customer terminal 175 through the network means. It is characterized by.

According to an embodiment of the present invention, when the customer terminal 175 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program included in the customer terminal 175 and connecting a predetermined communication channel with the customer terminal 175 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 175, the interface unit 105 is connected to the client terminal 175 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 175 is provided with a communication program provided by the web server 100, the interface unit 105 is a communication channel with the customer terminal 175 based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 175 and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the customer terminal 175. Do.

For example, when the client terminal 175 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 105 is based on the CDMA protocol. 175 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 1, the web server 100 is connected to the web server 100 through a predetermined client terminal 175 through the interface unit 105 and / or to apply for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the client terminal 175 to input (or select) and transmit predetermined online account application information. The interface providing unit 110 (or interface providing means) provided to the customer terminal 175 and the interface unit 105 in conjunction with the input (or selected) via the user interface in the customer terminal 175 An information receiving unit 120 (or information receiving means) for receiving predetermined online account application information to be transmitted, and the information processing server 140 provided in the financial institution through the received online account application information through a predetermined communication means. It is characterized by comprising an information relay 130 (or information relay means) provided to the.

In addition, the web server 100 is interlocked with the interface unit 105 to at least one or more customer terminals 175, including a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 provides the web-based service to at least one customer terminal 175 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 100 is an online account received from the customer terminal 175 through the information receiving unit 120 for the post management of the online account application information received through the information receiving unit 120. Storing online account issuance information, including application information or at least one or more online account information generated by the information processing server 140 based on the online account application information, in a predetermined storage medium 135. Characterized in that it further comprises an information storage unit 125, wherein the online account issuing information is the online account security information received from the customer terminal 175, the new provision processing agreement information (or new application information), Virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable.

The interface providing unit 110 has a function provided to the customer terminal 175 when a predetermined customer terminal 175 accesses the web server 100 through the interface unit 105 and / or applies for an online account. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 100 through the network means, and / or from a predetermined database (not shown). Extracting and providing the user interface generated by the interface (105) from the web source D / B (not shown) to the customer terminal 175 through the network means. It is done.

Thereafter, the client terminal 175 inputs (or selects) the online account application information on the basis of the user interface, and transmits the input (or selected) online account application information through the network means to the web server ( 100).

According to an embodiment of the present invention, when the customer terminal 175 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program and / or a communication program provided in the wired terminal. Generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (not shown) through the interface unit 105. It is preferable to provide the user interface (175) extracted from the customer terminal (175).

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 105. It is preferable to provide the user interface extracted from the) to the customer terminal 175.

According to an embodiment of the present invention, the user interface for receiving (or selecting) predetermined online account application information from the client terminal 175 in the web server 100 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 175, and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And an interface for outputting the online account product detailed information such as expected return information to the customer terminal 175 and confirming that the customer has confirmed the online account product detailed information.

In addition, the user interface for inputting (or selecting) the online account application information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 175, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, original account information for depositing a predetermined amount of money into an online account) deposited into an account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. An interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) provided in the web server 100. desirable.

Thereafter, the customer terminal 175 includes online account product selection information for selecting at least one or more online account products that the customer applies (or purchases) from among the plurality of online account products through the user interface, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information for the online account applicant, and the web unit through the network means. Send to server 100.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. The method may further include an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the inputted (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information. It transmits to the web server 100 through.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 175 information on the provisions of the provisions of the provisions of the provisions of the provisions and the provisions of the provisions of the provisions of the provisions (e.g., the period in which the on-line account is processed as a provisional provision before the verification of the financial real name of the on-line account); Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include a virtual account type having a real account in which the online account corresponding to the online account application information is operated by the telecommunication company. Interface to input (or select) the mother account management institution information including at least one or more carriers and the virtual account processing information including the mother account information corresponding to the real account operated in the mother account operating institution to open the It is preferable to make it.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 175) an interface for outputting financial transaction application terms and conditions information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are a financial transaction customer of a financial institution, the above interface may be omitted. Or, according to the intention of the skilled person, the interface may be included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the inputted (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information (not shown) in the online account application information. In this figure 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. do.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If not a banking member, a wireless banking member, a TV banking member, a home banking member, etc.), a user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 175. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel The non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include inputting (or selecting) predetermined phone number information and customer classification information for providing an online account for the subscriber. It is preferable to include an interface to make.

When the customer terminal 175 is provided with an interface for inputting (or selecting) telephone number information and customer classification information for providing an online account to the subscriber, the customer terminal 175 uses the telephone number through the interface. After inputting (or selecting) information and customer classification information, the input (or selected) telephone number information and customer classification information are transmitted to the web server 100 through the network means, or the online account application. The telephone number information and customer classification information are further included in the information and transmitted to the web server 100 through the network means.

When the customer terminal 175 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 175 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the customer terminal 175 transmits the online account security information to the user. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined provisional processing agreement information (or provisional application information) through the user interface, and transmits it through the network means, or the customer terminal 175 In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 175 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the client terminal 175 In this case, the virtual account processing information is included in the online account application information and transmitted, and the information receiving unit 120 interoperates with the interface unit 105 to perform virtual account processing information including the mother account management institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 175 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 175. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 175, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 130 and / or. Or to the information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) predetermined telephone number information and customer classification information through the user interface, and transmits the information through the network means, or the telephone number information in the customer terminal 175. When the customer classification information is included in the online account application information and transmitted, the information receiving unit 120 receives the phone number information and the customer classification information in association with the interface unit 105. The phone number information and customer classification information to the information relay unit 130 and / or the information storage unit 125.

The information storage unit 125 may include the online account application information received through the information receiving unit 120 in an online account issuance information and store the information in a predetermined storage medium 135. The server 100 (or the web server 100 operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 135. do.

When the online account security information is received through the information receiving unit 120, the information storage unit 125 stores the online account issuing information obtained by linking the online account security information to the online account application information. And the online account security information is used by the web server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information storage unit 125 may add the provisional processing agreement information (or provisional provisions) to the online account application information. And storing the online account issuance information linked to the application information in the storage medium 135, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 100 (or the online application). A financial transaction server using an account provides a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 135, the virtual account processing information is the financial real name of the online account in the web server 100 (or a financial transaction server using the online account) It provides a basis for processing at least one or more financial transactions using the online account based on a virtual account that is the parent account operated by the telecommunication company until confirmation.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or storing the online account issuance information linked to the non-face-to-face financial transaction application information in the storage medium 135, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is The web server 100 (or the financial transaction server using the online account) provides a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

When the phone number information and customer classification information are received through the information receiving unit 120, the information storage unit 125 performs online account issuance information in which the phone number information and customer classification information are linked to the online account application information. It characterized in that it is stored in the storage medium 135, the phone number information, customer classification information is used in the request to link the merchant online account and the real account, if the affiliated stores according to the customer classification, or the customer classification In case of subscriber, it is used to collect communication charges.

According to the method of the present invention, the information storage unit 125, when the predetermined online account corresponding to the online account application information is opened by the information processing server 140, the web server 100 (or the A storage medium further including the online account information opened by the information processing server 140 in order to process at least one financial transaction using the online account in the online account issuing information. It is preferable to replace the online account application information stored in (135) or included in the online account issuance information with the online account information opened by the information processing server 140, whereby the present invention is not limited thereto. All.

Here, the online account information is included in the online account number in the form of a virtual account number generated by the provisional opening unit 150 and the virtual account processing unit 155 of the information processing server 140 and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server 100 operating institution information and the financial institution information that the online account is opened.

The information relay unit 130 stores the online account application information received through the information receiving unit 120 through the predetermined communication means corresponding to the online account product (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 140 provided in the financial institution (opened).

Here, the communication means for connecting the web server 100 and the information processing server 140, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 140, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 140 (eg, the web server 100 encrypts the online account application information by a predetermined encryption method to the information processing server 140). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 140.

When the online account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 140 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 140 to the financial system provided in the financial institution to the web The server 100 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 140 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 140 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (for example, the online account). It is characterized in that the relay transmission to the information processing server 140 provided in the financial institution (in which the online account corresponding to the product is opened), whereby the information processing server 140 is the customer of the online account application Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 130 sends the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 140 provided in the financial institution corresponding to the product (eg, the online account corresponding to the online account is opened). An online account corresponding to the online account application information is opened in a financial system provided at a financial institution in the form of a virtual account having a real account operated by the telecommunication company as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 140 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 140 opens an online account in a non-face-to-face processing of the financial transaction using the online account in the web server 100 in the financial system provided in the financial institution.

When the phone number information and customer classification information are received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means. It is characterized in that the transmission to the information processing server 140 provided in a financial institution (for example, an online account corresponding to the online account product is opened), whereby the information processing server 140 is the telephone number information, Provide through customer classification information.

According to another exemplary embodiment of the present invention, when the information processing server 140 is equipped with a web server 100 function and / or the information processing server 140 is a predetermined banking server, the information relay unit ( 130 connects and relays the customer terminal 175 and the information processing server 140 so that the online processing request information (and / or a provisional rule) is received from the customer terminal 175 at the information processing server 140. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to relay directly to provide a predetermined user interface for receiving the application information)), whereby the information processing server 140 receives the online from the customer terminal 175 via predetermined network means. Account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face finance) It is possible to directly receive transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the information processing server 140 relays at least one or more web servers 100 and the information processing server 140, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 140 and / or relays the at least one web server 100 and the at least one information processing server 140. ) May be further provided, whereby the present invention is not limited.

Referring to Figure 1, the information processing server 140 is the online account application information (and / or false information processing agreement information (or false information request information)) provided from the web server 100 via the communication means, and Information receiver 145 for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (Or information receiving means) and a new provision opening unit 150 (or trail) that opens a new online account corresponding to the online account application information received through the information receiving unit 145 in association with a predetermined financial system. A virtual account processing unit 155 (or a virtual account processing means) for processing an online account opened by the provisional rules and a virtual account in which a real account operated by the telecommunication company is used as a parent account; The new account management unit 160 (or a new management means) that manages an online account in the form of an account account until the real name verification for the customer applying for the online account, and the online account opened as a new account in response to the online account application information. The real name verification unit 165 (or real name verification means) for confirming that the real name of the customer for the financial transaction application is confirmed within a predetermined real name verification period, and an online account opened in a temporary manner in response to the online account application information. When the real name is confirmed, a new account processing unit 170 (or new account processing means) for processing the online account opened as a new financial account is characterized in that it is made.

The information receiving unit 145 may be configured to provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 100 through the communication means. And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information)) is provided to the new provision establishment unit 150.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or finance provided from the web server 100 according to one embodiment of the invention) When transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiving unit 145 performs the encrypted online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)).

The new provision establishment unit 150 is the online account application information (and / or false information processing agreement information (or false information application information), and / or online) from the web server 100 via the information receiving unit 145 If the account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided, the online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)) to read the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, through a predetermined financial system, and / or It is characterized by opening an online account application information corresponding to financial transactions and / or virtual account management information, and / or non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information)), as the trail rules.

Here, the new provision opening unit 150 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: At 200 the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual account processing information, And / or a predetermined customer ledger corresponding to non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg,And a reception ledger corresponding to the online account application information.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is preferable to register with the D / B 200 and store predetermined false information for managing the online account in association with the online account ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B (200), wherein the parent account is to register the customer financial account, or the online account already established in the ledger D / B (200) on the financial system It is possible to include at least one or more of the financial institution accounts already established in the ledger D / B (200) on the financial system, by which the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision opening unit 150 is the online account application information (and / or provisional processing agreement information (or new provision application information) received through the web server 100, and / or online account security information) And / or external systems provided to the financial system on the basis of financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Alternatively, a procedure (eg, a procedure for registering a predetermined online account ledger) for opening the online account in cooperation with the information system is performed, and the result is provided to the virtual account processor 155.

Those skilled in the art to which the present invention pertains, the detailed procedure for opening the online account (for example, to register a predetermined online account ledger) is linked to the financial system, the new provision opening unit 150 Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processing unit 155 may process the online account (or online account ledger) opened by the provisional opening unit 150 as a virtual account using a real account operated by the telecommunication company as a parent account. .

According to the embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the telecommunication company as a parent account does not include the conventional virtual account ledger information, but the online It is preferable to include real account ledger information (for example, ledger information including an account number according to the account number system corresponding to the real account), which can be processed as a new account in the form of a real account when checking the financial real name of the account. Before the real name verification for the online account, it is preferable that the real account operated by the telecommunication company be processed in the form of a virtual account as a parent account.

According to another embodiment of the present invention, the online account ledger corresponding to an online account processed in the form of a virtual account having a real account operated by the telecommunication company as a parent account is a virtual account having a real account operated by the telecommunication company as a parent account. Ledger information (for example, ledger information including account numbers that follow a virtual account number system) may be included, in which case the real account ledger information (eg, Ledger information including an account number conforming to an account number system corresponding to a real account), and the present invention is not limited thereto.

Thereafter, the provisional management unit 160 is characterized in that the online account opened as the provisional provision of the real account operated by the telecommunications company until the real name confirmation for the customer applying for the online account as a virtual account, characterized in that for operating do.

According to the method of the present invention, the provisional management unit 160 is treated as depositing the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when the predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 160 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when the interest for the amount deposited in the online account is calculated through the financial system, the new management unit 160, a virtual account type online account that uses the real account operated by the telecommunications company as the parent account. It is characterized by the processing of interest.

As described above, by processing the online account as a virtual account managed by a real account operated by the telecommunications company, the provisional management unit 160 allows the online account to check the real name of the financial real estate transaction and confidentiality until the real name is verified and concurrent orders. Prevent violations of Presidential Decree 15744.

The real name verification unit 165 is the law and the law on the financial real name transaction and confidentiality while the online account opened by the new establishment section 150 is managed by the new provision management unit 160, According to the financial real name verification procedure corresponding to the Decree (Presidential Decree No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 165 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the on-line account application customer in the institution), the real name verification unit 165 is the online authentication for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the In the case where the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 165 is responsible for recognizing the online account through the certificate-based real name verification process defined in the wireless banking system. It is advisable to verify that the customer's real name is applied for an online account.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (e.g., when the financial institution has executed a real name verification procedure for the online account application customer), the real name verification unit 165 may be a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 165 is provided in the financial system (or provided in the financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 165 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 165 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 165 generates real name verification information for the online account application customer and provides the new account processor 170 to the new account processor 170. do.

Or, if the real name for the online account request customer is confirmed within the predetermined real name confirmation period, the real name verification unit 165 generates unidentified name information for the online account request customer by the new account processing unit 170 To provide.

When the real name confirmation information is provided from the real name confirmation unit 165 including the real name of the customer for the online account application within the real name confirmation period, the new account processing unit 170 is linked with the financial system. The on-line account processed by the new provision opening unit 150 and / or new provision management unit 160 as a new provision is characterized in that it is processed as a valid new financial account.

According to an embodiment of the present invention, when real name verification information is provided from the real name verification unit 165 including the real name of the customer for the online account application within the real name verification period, the new account processor 170 Is valid for all financial transactions on the online account processed by the new provision opening unit 150 and / or the new provision management unit 160 as a new provision in connection with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when the lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit 170 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 170 withdraws (or re-transfers) the amount deposited in the withdrawal prevention virtual account in connection with the external system and / or information system provided in the financial system to the online account. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by being processed as an account, the new account processing unit 170 is provided with an external system provided in the financial system and / or Or by canceling the withdrawal prevention function of the online account processed with the virtual account with the withdrawal prevention function in association with the information system, and providing (or erasing) the virtual account function associated with the new account processing mother account. Preferably with the account, whereby the online account processed under the provisional provisions is transferred to a valid new financial account for all financial transactions. Is processed.

According to the method of the present invention, when the new account processor 170 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 145 sets the web server 100 on the date of opening the online account. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or Or a date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or a date when the temporary opening unit 150 establishes the online account on the financial system as a temporary section. It is desirable to apply retrospectively as of the date.

2 is a diagram showing the configuration of online ledger information according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a virtual account ledger having a real account of the telecommunication company as a parent account in ledger information stored in a predetermined ledger D / B 200 provided in a DBMS on the financial system shown in FIG. The online ledger information is stored according to the account ledger information, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 2 to the ledger D / B. Although it is possible to infer various information configuration methods for storing online account ledger information according to the virtual account ledger information in a virtual account ledger having a real account of the parent account, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

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

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the customer ledger, through the online account registration system shown in FIG. 1, registers a virtual account in the form of a virtual account linked to a parent account that is a real account of the telecommunication company. Store the customer account information of the telecommunication company as a customer, and store the online account customer ledger information registered in the online account of the virtual account form associated with the parent account of the real account of the telecommunication company through the online account registration system shown in FIG. It is preferable.

Here, the telecommunication company customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer opening the online account as the conventional financial transaction customer of the financial institution as the ledger D / When the customer ledger of the customer who opens the online account is already provided in B 200, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the Account number, transaction number, date, point number, product type, transaction type, cash amount, RBI number, batch number (Batch No.), compound transaction, date of commencement, bank account line, summary, CIF, etc. It includes transaction history information that includes one or more.

According to an embodiment of the present invention, at least one or more financial accounts corresponding to the telecommunications company are associated with the customer ledger of the telecommunications company in a relational manner, and at least one or more financial accounts of the telecommunications company are connected to the online account shown in FIG. It is preferable to correspond to the parent account of the virtual account corresponding to the online account registered through the registration system.

Here, it is preferable that the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the telecommunication company is connected to the virtual account ledger in a relational manner.

The virtual account ledger is relationally connected with the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among at least one financial account corresponding to the communication company. The virtual account ledger information may include an information structure including the mother account number and the mother account operating institution information in addition to basic account ledger information such as the account ledger.

That is, as shown in FIG. 2, the online ledger information provided in the virtual ledger also preferably includes an information structure including the mother account number and the mother account management institution information in the basic account ledger information.

Those of ordinary skill in the art to which the present invention pertains include an online account ledger according to the virtual account ledger information configuration linked to the account ledger of the telecommunication company based on the basic account ledger information configuration, and the virtual account ledger information configuration. Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, in order to provide an online account to the subscriber, issuing online account information including at least one of predetermined phone number information and customer classification information is linked to additional information corresponding to the online ledger. Is preferably stored.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 3 shows the actual information of the communication company through a predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B 200 provided in a DBMS on the financial system shown in FIG. As shown in FIG. 3, information structure for linking an account in the form of a virtual account as a parent account, and a person of ordinary skill in the art to which the present invention belongs, is referred to and / or modified with reference to FIG. 3 to the ledger D / B. Various information configuration methods for linking a predetermined online account ledger in the form of a virtual account having the parent account as the parent account through the predetermined virtual account processing information may be inferred. It is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 200 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) who processes at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the customer ledger, through the online account registration system shown in FIG. 1, registers a virtual account in the form of a virtual account linked to a parent account that is a real account of the telecommunication company. Store the customer account information of the telecommunication company as a customer, and store the online account customer ledger information registered in the online account of the virtual account form associated with the parent account of the real account of the telecommunication company through the online account registration system shown in FIG. It is preferable.

Here, the telecommunication company customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the online account is a conventional financial transaction customer of the financial institution. When the customer ledger of the customer who opens the online account is already provided in B 200, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one or more financial accounts corresponding to the telecommunications company are associated with the customer ledger of the telecommunications company in a relational manner, and at least one or more financial accounts of the telecommunications company are connected to the online account shown in FIG. It is preferable to correspond to the parent account for processing the online account registered through the registration system as a virtual account.

Here, the account ledger corresponding to the mother account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the telecommunication company is associated with the online account ledger processed by the virtual account. desirable.

The online ledger includes the same basic ledger information as the account ledger, and includes an online account number, a mother account number corresponding to a mother account for processing the online account as a virtual account among the financial accounts of the telecommunication company, and the By including the predetermined virtual account processing information including at least one or more of the parent account management institution information (for example, carrier information) as additional information, the online account is treated as a virtual account of the financial account of the telecommunications company as a parent account. In this case, the virtual account processing information is preferably matched with the online account application information and the virtual account processing information received from the customer terminal 175 on the online account registration system shown in FIG.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

Preferably, the mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the communication company name.

The mother account operating institution information of the virtual account processing information preferably includes the communication company information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains may be able to infer the configuration of the online ledger information associated with the account ledger of the telecommunication company through the virtual account processing information based on the structure of the ledger information. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, in order to provide an online account to the subscriber, issuing online account information including at least one of predetermined phone number information and customer classification information is linked to additional information corresponding to the online ledger. Is preferably stored.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 4 shows a predetermined virtual account as shown in FIG. 3 in a predetermined online account ledger stored in a predetermined ledger D / B 200 provided in a DBMS on the financial system shown in FIG. As the information structure for linking the real account of the telecommunication company through the processing information in the form of a virtual account as a parent account, and further linkage processing of new provisional processing information for processing a predetermined temporary account in the online account ledger. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to convert the online account ledger into the ledger D / B through a predetermined virtual account processing information to the real account of the telecommunication company. It would be possible to infer various information configuration methods to be processed in a new account by linking in the form of a virtual account that is the parent account, but the present invention implements all the inferred embodiments. It includes a method shall not be limited to the exemplary method shown in the figure 4.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 200 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the customer ledger, through the online account registration system shown in FIG. 1, registers a virtual account in the form of a virtual account linked to a parent account that is a real account of the telecommunication company. Store the customer account information of the telecommunication company as a customer, and store the online account customer ledger information registered in the online account of the virtual account form associated with the parent account of the real account of the telecommunication company through the online account registration system shown in FIG. It is preferable.

Here, the telecommunication company customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the online account is a conventional financial transaction customer of the financial institution. When the customer ledger of the customer who opens the online account is already provided in B 200, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one or more financial accounts corresponding to the telecommunications company are associated with the customer ledger of the telecommunications company in a relational manner, and at least one or more financial accounts of the telecommunications company are connected to the online account shown in FIG. It is preferable to correspond to the parent account for processing the online account registered through the registration system as a virtual account.

Here, the account ledger corresponding to the mother account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the telecommunication company is associated with the online account ledger processed by the virtual account. desirable.

The online ledger includes the same basic ledger information as the account ledger, and includes an online account number, a mother account number corresponding to a mother account for processing the online account as a virtual account among the financial accounts of the telecommunication company, and the By including the predetermined virtual account processing information including at least one or more of the parent account management institution information (for example, carrier information) as additional information, the online account is treated as a virtual account of the financial account of the telecommunications company as a parent account. Here, the virtual account processing information is preferably matched with the online account application information and the virtual account processing information received from the customer terminal 175 on the online account registration system shown in FIG.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

Preferably, the mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the communication company name.

The mother account operating institution information of the virtual account processing information preferably includes the communication company information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains may be able to infer the configuration of the online ledger information associated with the account ledger of the telecommunication company through the virtual account processing information based on the structure of the ledger information. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 1 is a virtual account without real name verification, and the online account is opened for non-real name verification for account opening and financial transaction processing. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes predetermined false processing information as additional information.

The provisional opening unit 150 and / or provisional management unit 160 of the information processing server 140 shown in FIG. 1 are connected to the external system and / or information system provided in the financial system, and the online account Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit; Preferably, the new provision processing information is linked and stored as additional information corresponding to the online account ledger, and the new provision processing information is received online from the customer terminal 175 on the online account registration system shown in FIG. It is preferably generated based on the account application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online ledger is provided in the form of a virtual account, as shown in FIG. 1, the provisional processing agreement information (or the provisional application information) is omitted in the online account registration process according to the intention of the person skilled in the art. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account of the virtual account type, and the virtual account number (or online account number) is actually It is preferable to follow the account number system, and according to the intention of those skilled in the art, the virtual account number system may be used, and the present invention is not limited thereto.

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (200), when the real name of the online account application customer processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification When the real name confirmation of the online account request customer is not performed, it is preferable to repeatedly extend the real name confirmation of the online account request customer.

In addition, a deposit before the real name confirmation of the provisional processing information is a predetermined amount of money from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. When the deposit is made, as the amount of money deposited into the online account, the real name verification deposit is matched with the account balance of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

According to an embodiment of the present invention, in order to provide an online account to the subscriber, issuing online account information including at least one of predetermined phone number information and customer classification information is linked to additional information corresponding to the online ledger. Is preferably stored.

5 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to an embodiment of the present invention.

In more detail, in FIG. 5, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 175, the user account 175 requests the online account user. Input (or select) predetermined online account application information through an interface and provide it to the web server 100 through a predetermined network means, and the online account application information through a predetermined communication means in the web server 100. The process of providing to the information processing server 140 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify the figure 5 to the customer terminal ( In 175, various implementation methods for providing the online account application information to the information processing server 140 through the web server 100 may be inferred. Includes all of the exemplary method of estimation, is not limited by the exemplary method shown in the figure 5.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 175, the customer terminal 175, in addition to the online account application information, provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 175, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and And / or a method of providing virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypts and transmits the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or the provisional processing agreement information (or the new application information)) from the information processing server 140. And / or to decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It may be inferred, but the present invention includes the method of inferring the above, and the present invention is not limited thereto.

Referring to FIG. 5, the customer terminal 175 shown in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505). At this time, the web server 100 is provided to the online terminal product according to the present invention to the web-based service provided to the customer terminal (175). While providing the online account product information for attracting online subscriptions for the online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account subscription user interface is subscribed online from the customer terminal 175 to the online account product. Periodically checks if a predetermined online account request user interface is requested for the financial product request interface from the client terminal 175 (515), and the web server 100 checks the client terminal. Generate a predetermined online account application user interface to be provided to 175 (or extract it from a predetermined web source D / B (not shown)) (520) and view the online account application user interface via the network means; Provided to the terminal (525).

Thereafter, the customer terminal 175 inputs (or selects) predetermined online account application information through the online account application user interface (530), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 175 transmits the online account application information to the web server 100 through the network means (535).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the inputted (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information. It transmits to the web server 100 through.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the provisional processing period (eg, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) is output to the customer terminal 175, and the customer provides It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include a virtual account type having a real account in which the online account corresponding to the online account application information is operated by the telecommunication company. And an interface for inputting (or selecting) mother account management institution information including at least one of the telecommunication carriers and virtual account processing information including mother account information corresponding to a real account operated by the mother account operating institution. It is preferable to make.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 175 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the actual process for the online account product, the customer returns to the financial institution. The interface for applying for the financial transaction may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 175 to establish at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face-to-face financial terms and conditions information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

According to an embodiment of the present invention, the online account request user interface preferably includes an interface for inputting (or selecting) predetermined phone number information and customer classification information for providing an online account to the subscriber. .

When the customer terminal 175 is provided with an interface for inputting (or selecting) telephone number information and customer classification information for providing an online account to the subscriber, the customer terminal 175 uses the telephone number through the interface. Input (or select) information, customer classification information, and transmit the input (or selected) telephone number information and customer classification information to the web server 100 through the network means, or the online account application information. The phone number information and customer classification information further include to transmit to the web server 100 through the network means.

Thereafter, the web server 100 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in the predetermined storage medium 135 (540).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 140. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (545), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (550).

6 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 175, the user account 175 provides the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 100, and decode the online account application information by the web server 100 The process of providing the online account application information to the information processing server 140 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or modified to provide the online account application information from the client terminal 175 to the information processing server 140 through the web server 100. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 175, the customer terminal 175, in addition to the online account application information, provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 175, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and And / or a method of providing virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 140 in the The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypts and transmits the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or the provisional processing agreement information (or the new application information)) from the information processing server 140. And / or to decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It may be inferred, but the present invention includes the method of inferring the above, and the present invention is not limited thereto.

Referring to FIG. 6, the customer terminal 175 shown in FIG. 1 connects to the web server 100 via a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 100 is used (605). At this time, the web server 100 provides the web-based service provided to the customer terminal 175 to the online account product according to the present invention. While providing online merchandise information for attracting online subscriptions, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 175. In order to periodically check whether a predetermined online account request user interface is requested (610), if the financial product request interface is requested from the customer terminal (175) (615), the web server 100 is a predetermined security function Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (620), and provide the online account application user interface to the terminal through the network means; (625).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) by the customer terminal 175 by a predetermined encryption method and / or the online account request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 175 inputs (or selects) predetermined online account application information through the online account application user interface (630), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 175 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information) (635), and transmit the encrypted online account application information to the web server 100 via the network means (640).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity, and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. Information on the provisional processing period (eg, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) is output to the customer terminal 175, and the customer provides It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 175, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include a virtual account type having a real account in which the online account corresponding to the online account application information is operated by the telecommunication company. And an interface for inputting (or selecting) mother account management institution information including at least one of the telecommunication carriers and virtual account processing information including mother account information corresponding to a real account operated by the mother account operating institution. It is preferable to make.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the customer terminal 175, the customer terminal 175 may transmit the virtual account processing information through the interface. After inputting (or selecting), transfer the input (or selection) of the virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 175 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 enters (or selects) the financial transaction application information through the interface, Transmitting the input (or selected) financial transaction application information to the web server 100 through the network means, or further including the financial transaction application information in the online account application information, by the web means through the network means. Send to server 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 175 to establish at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction Internet banking subscription terms information, wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.), the non-face-to-face financial transactions that the customer agrees to the non-face-to-face financial transaction terms information Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

According to an embodiment of the present invention, the online account application user interface preferably includes an interface for inputting (or selecting) predetermined phone number information and customer classification information for providing an online account to the subscriber. .

When the customer terminal 175 is provided with an interface for inputting (or selecting) telephone number information and customer classification information for providing an online account to the subscriber, the customer terminal 175 uses the telephone number through the interface. Input (or select) information, customer classification information, and transmit the input (or selected) telephone number information and customer classification information to the web server 100 through the network means, or the online account application information. The phone number information and customer classification information further include to transmit to the web server 100 through the network means.

The web server 100 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is stored in a predetermined storage medium 135 (640).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 140. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 140 through a predetermined communication means (645), and the information processing server 140 transmits the web through the communication means. The online account application information provided from the server 100 is received (650).

7 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

In more detail, FIG. 7 opens a predetermined online account based on the online account application information provided from the web server 100 in the information processing server 140 shown in FIG. The present invention relates to a process of processing a real account to be used as a virtual account, and those skilled in the art to which the present invention pertains can refer to and / or modify the information shown in FIG. Various implementation methods for processing an online account as a virtual account based on the online account application information provided to the server 140 as a parent account operated by the telecommunication company may be inferred. All methods are included, and the present invention is not limited thereto.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the information processing server 140. However, the present invention includes those skilled in the art. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent It is possible to infer an implementation method in which information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 140. However, the present invention provides the information processing server 140 with the provisional processing agreement information (or Provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the information processing server 140 shown in FIG. 1 is referred to as "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 and / or 6, predetermined online account application information (and / or false transaction processing information) from the web server 100 shown in FIG. 1 to the server is shown. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). )) Is received, the server may request that the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are read to determine whether the online account can be opened (700).

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), the web server 100 In step 715, the account opening error information is transmitted to the customer terminal 175 through a predetermined network means, thereby completing the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server associates with the financial system a predetermined online account corresponding to the online account application information on the financial system. In operation 720, the online account is processed into a virtual account that is the parent account operated by the telecommunication company in association with the financial system.

According to an exemplary embodiment of the present invention, the server establishes the pseudonym by adding a parent account number corresponding to a real account operated by the telecommunication company to the pseudonym processing information added to the online account ledger as shown in FIG. 2. It is preferable to process the ledger corresponding to the online account opened by the unit 150 into a virtual account whose mother account is the real account operated by the telecommunication company.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. By linking and processing virtual account processing information including mother account information in a relational manner, a virtual account whose mother account is a real account operated by the telecommunications company is a ledger corresponding to the online account opened by the provisional opening unit 150. It is preferable to process.

According to another exemplary embodiment of the present invention, the server stores predetermined virtual account processing information in a predetermined database linked to the ledger D / B 200 in which the online account ledger is registered as shown in FIG. 4, It is preferable that the ledger corresponding to the online account opened by the provisional opening unit 150 is treated as a virtual account whose mother account is the real account operated by the telecommunication company.

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 is a real name verification for an online account processed as a virtual account using a real account operated by the telecommunication company through the process shown in FIG. 7 through the online account registration system shown in FIG. A process for processing a predetermined new financial account by performing a process, specifically, the method for providing at least one financial transaction continuously through the online account without the real name verification by automatically extending the real name verification expiration date. will be.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to identify various real names for online accounts processed with virtual accounts whose real accounts are operated by the telecommunications company. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 140 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a banking system including at least one of a TV banking system) in response to the online account application information, whether the real name of the online account applicant for the online account is verified (and And / or at least one of a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event occurring from the financial transaction system including the above) (800).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (810).

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server displays the real name of the customer for the online account processed as a virtual account whose real account is operated by the telecommunication company. Repeat the process.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (815), the server is associated with the financial system, the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (820), to continuously provide at least one financial transaction through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (805), the server is connected to the financial system in the form of a virtual account that uses a real account operated by the telecommunications company as the parent account, the online account. Return to the original online account (825) and process the online account as a new financial account whose real name is confirmed in connection with the financial system (830).

According to the method of the present invention, when the online account ledger information includes real account ledger information when the online account of the virtual account type having a real account operated by the telecommunications company as the new financial account, the online account ledger information includes: It is preferable that the server processes the online account as a new financial account whose real name is confirmed by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account in the form of a virtual account having a real account operated by the telecommunications company as the new financial account, the server includes the virtual account ledger information. The online account is processed as a new financial account whose real name is verified by erasing the pseudo-new processing information and / or virtual account processing information added to the data and replacing (or converting) the virtual account ledger information with real account ledger information. It is desirable to.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (835).

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 is a real name verification for an online account processed as a virtual account using a real account operated by the telecommunication company through the process shown in FIG. 7 through the online account registration system shown in FIG. A process of processing a new financial account by performing a process. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is transferred to the original account (for example, the predetermined amount is transferred to the online account). The present invention relates to a method for retrieving a financial account (or other online account) and dormant processing of the online account.

Persons of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing to identify various real names for online accounts processed with virtual accounts whose real accounts are operated by the telecommunication company. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the information processing server 140 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system (900).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (905), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (910).

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server displays the customer's real name for the online account processed as a virtual account whose real account is operated by the telecommunication company. Repeat the process.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (915), the server, in connection with the financial system, the predetermined amount of money deposited in the online account corresponding to the online account application information Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information) and processes the online account as a dormant account in response to the online account application information. (920).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is connected to the financial system in the form of a virtual account that uses the real account operated by the telecommunications company as the parent account, the online account. Return to the original online account (925), and process the online account as a new financial account whose real name is confirmed in association with the financial system (930).

According to the method of the present invention, when the online account ledger information includes real account ledger information when the online account of the virtual account type having a real account operated by the telecommunications company as the new financial account, the online account ledger information includes: It is preferable that the server processes the online account as a new financial account whose real name is confirmed by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account in the form of a virtual account having a real account operated by the telecommunications company as the new financial account, the server includes the virtual account ledger information. The online account is processed as a new financial account whose real name is verified by erasing the pseudo-new processing information and / or virtual account processing information added to the data and replacing (or converting) the virtual account ledger information with real account ledger information. It is desirable to.

Subsequently, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (935).

FIG. 10 is a diagram illustrating a system for registering a face-to-face account linking application information for linking with an online account issued through a telecommunication company for a merchant according to an embodiment of the present invention.

In more detail, in Figure 10, a predetermined customer submits an account linkage application form including at least one of customer information, financial account information, and phone number information for linking with an online account issued through a telecommunication company for a merchant. The predetermined window terminal 1075 acquires a predetermined image content corresponding to the account linkage application through a predetermined image acquisition device, and sends the account linkage application to the account linkage application information registration system through a predetermined information registration interface. If the corresponding account linking application information and the image contents obtained from the account linking application are provided, a predetermined account linking application electronic document including the image content is generated and stored in a predetermined electronic document repository, and the account linking application The customer information, financial account information, telephone number information included in the information A system configuration for interworking and storing in a predetermined storage medium 1070. Specifically, the electronic document repository is provided on an external system linked to the account interworking application information registration system through a predetermined communication means. It's about how.

Those skilled in the art to which the present invention pertains, refer to and / or modify this figure 10 for various forms of account linkage application information registration system for interworking with the online account issued through the telecommunications company for the merchant Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the account linkage application information registration system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 10, the account linkage request electronic document corresponding to the account linkage application will be described as being generated by the server side on the account linkage application information registration system. It is by no means limited, the account interworking request electronic document may be generated on the terminal side obtained the image content corresponding to the account interworking application through a predetermined image acquisition device (for example, generating the electronic document provided on the server side). Function is provided on the terminal side to generate the account interworking request electronic document), whereby the present invention is not limited.

Hereinafter, the account linkage application information and image contents corresponding to the account linkage application form prepared by the customer are provided through a predetermined information registration interface on the account linkage application information registration system shown in FIG. A component corresponding to at least one or more means and / or functional configurations that are generated and stored in a predetermined electronic document storage and the account linkage application information is stored in a predetermined storage medium 1070 may be referred to as "information registration server 1000". "

Referring to FIG. 10 according to an embodiment of the present invention, an account linkage application information registration system for linking with an online account issued through a telecommunication company for the affiliated store may be provided to at least one branch of a financial institution (or a branch). And an information registration terminal 1080 including a counter terminal 1075 provided. The information registration terminal 1080 is provided on the account interworking application information registration system through a predetermined financial network. The communication channel is connected to the information registration server 1000.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for interworking with an online account issued through a communication company for the affiliated store, and is provided at the window of the financial institution branch branch (branch branch). A predetermined account linkage application for linking with an online account issued through a telecommunication company for the merchant through (or through a teller) (eg, at least for linking with an online account issued through a telecommunication company for the merchant) A document having a form for filling in one or more information items), wherein the customer is to seal the customer's seal for legal basis on the account linkage application.

Subsequently, when the customer submits the completed account linkage application to the counter employee, the counter staff scans the account linkage application through a predetermined image acquisition device to acquire predetermined image content, and the predetermined counter terminal 1075. Input (or select) image linkage application information including at least one of image information obtained in response to the account linkage application form and customer information, financial account information, and phone number information written in the account linkage application form; Correspondingly, the window terminal 1075 preferably transmits the image content and the account linkage application information to the information registration server 1000 provided on the account linkage application information registration system through the financial network.

Here, the window terminal 1075 preferably includes a financial terminal used by an employee of the branch (or branch) of the financial institution, and the information registration server 1000 connected to the window terminal 1075 is the predetermined terminal. It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 1075 and the information registration server 1000 is connected to the window terminal 1075 and the information. It is preferable to include a current network connecting the communication channel between the registration server (1000).

In the account linkage application information registration system as described above, an image acquisition device for acquiring image content corresponding to the account linkage application form created by the customer, the teller terminal 1075 and the teller terminal 1075 used by the employee; The financial network connecting the information registration server 1000 performs a function of an information registration interface for registering the account linking application information for the customer to link with the online account issued through the communication company for the affiliated store.

The storage medium 1070 provided on the account linkage application information registration system according to the present invention includes the customer information, the financial account information, and the phone number information included in the account linkage application information provided from the information registration terminal 1080. It is characterized by storing in a predetermined storage medium 1070 by the cooperative processing.

The financial account information includes at least an account number, an account alias, an account name, an account holder, and the like of an actual account of the customer to be linked with the online account issued to the customer through the online account registration system shown in FIG. It is preferable to include one or more.

Preferably, the phone number information includes phone number information of an online account issued to the customer through the online account registration system shown in FIG.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. By registering as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the account linkage application information registration system corresponding to the customer. It is preferable that it comprises at least one or more).

According to an embodiment of the present invention, the storage medium 1070 may be provided in a DBMS on a financial system provided on the account linking application information registration system (or associated with the account linking application information registration system). In this case, the storage medium 1070 may be a ledger D / B 1100 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, thereby The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1070 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the account linkage registration information registration system It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 1000 provided on the account interworking application information registration system according to the present invention is a generic term for the components of the account interworking application information registration system connected to the information registration terminal 1080 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 1080 is a window terminal 1075 connected to a predetermined financial network, the information registration server 1000 is connected to the window terminal 1075 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the method of the present invention, the information registration server 1000 is characterized in that it comprises an interface unit 1005 for connecting and managing a predetermined communication channel with the information registration terminal 1080 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 1080 is a window terminal 1075 connected to a predetermined financial network, the interface unit 1005 is based on the protocol stack defined in the financial network. Connecting a communication channel with a terminal 1075 and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 1075. It is preferable.

Referring to FIG. 10, when the predetermined information registration terminal 1080 connects a predetermined communication channel with the information registration server 1000 through the interface unit 1005, the affiliated store stores the affiliated store. To obtain the image content corresponding to the account linking application created by the customer through a predetermined image acquisition device provided in the information registration terminal 1080 for interworking with the online account issued through the communication company, and linked the account Generate (or extract) at least one user interface for inputting (or selecting) account interworking application information corresponding to the application to be transmitted to the information registration server 1000, and generating the at least one user interface in association with the interface unit 1005. (Or extracted) the interface providing unit 1010 for providing the user interface to the information registration terminal 1080 and the information registration terminal 1080 When the account linking application information corresponding to the account linking application is input (or selected) through a user interface, the account linking application information transmitted from the information registration terminal 1080 in association with the interface unit 1005. When the information receiving unit 1015 and the information registration terminal 1080 acquires and transmits the image content corresponding to the account interworking application created by the customer through a predetermined image obtaining apparatus based on the user interface, And an image receiving unit 1020 for receiving image contents corresponding to the account linkage application in association with the interface unit 1005.

The interface providing unit 1010 connects a predetermined communication channel with the information registration server 1000 through the interface unit 1005 and then connects the communication server to the information registration server 1000. When requesting a user interface for interworking with an online account issued through a telecommunication company to a merchant, image contents corresponding to the account interworking application created by the customer through a predetermined image acquisition device provided in the information registration terminal 1080 Generate at least one user interface for inputting (or selecting) account interworking application information corresponding to the account interworking application and transmitting the information to the information registration server 1000 through the financial network; and / or The user interface extracted from a predetermined database (not shown) and generated (or extracted) in association with the interface unit 1005. And the device is characterized in that provided in the information registering terminal 1080 through the financial network.

According to another embodiment of the present invention, the information registration terminal 1080 obtains image contents corresponding to the account linkage application written by the customer through a predetermined image acquisition device, and the account linkage application information corresponding to the account linkage application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the information registration server 1000 through the financial network is provided, Acquire image content corresponding to the account interworking application created by the customer through the user, and input (or select) account interworking application information corresponding to the account interworking application to generate a user interface for transmitting to the information registration server 1000. (Or extract) the interface providing unit 10 to provide to the information registration terminal 1080 10) may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1080 inputs (or selects) account interworking application information including at least one of the customer information, financial account information, and phone number information through the user interface, and inputs (or selects) the information. Account interworking request information is transmitted to the information registration server 1000 through the financial network. In response, the information receiving unit 1015 is transmitted from the information registration terminal 1080 in association with the interface unit 1005. Characterized in that for receiving the account linkage application information.

In addition, the information registration terminal 1080 obtains the image content corresponding to the account linkage application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 1020 receives the image content corresponding to the account interworking application in association with the interface unit 1005.

According to another exemplary embodiment of the present invention, the information registration terminal 1080 acquires image content corresponding to the account linkage application written by the customer through a predetermined image acquisition device, and is provided in the information registration terminal 1080. When the information is stored in a predetermined storage device (or linked), the information registration terminal 1080 corresponds to an account interworking application written by the customer among at least one or more image contents stored in the storage device through the user interface. An image content is selected and transmitted to the information registration server 1000 through the financial network. In response thereto, the image receiving unit 1020 is connected to the interface unit 1005 to provide image content corresponding to the account linkage application. It is desirable to receive.

According to another exemplary embodiment of the present invention, the information registration terminal 1080 transmits the image content corresponding to the account linkage application written by the customer and the account linkage application information corresponding to the account linkage application through the user interface. In this case, the information receiving unit 1015 may receive the image content corresponding to the account linking application and the account linking application information together with the interface unit 1005 (for example, the image receiving unit 1020 And integrated into the information receiving unit 1015), whereby the present invention is not limited.

Referring to FIG. 10, when the information linking request information transmitted from the information registration terminal 1080 is received through the information receiving unit 1015, the information registration server 1000 displays the received account linking request information. Characterized in that it comprises a validity check unit 1025 for checking whether the merchant satisfies the validity for interworking with the online account issued through the communication company.

According to an embodiment of the present invention, the validity check on the account linking application information is at least one or more matching the account linking application information to the ledger D / B 1100 on the financial system associated with the account linking application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 1025 may include, among the information included in the account linking application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the account linking application information registration system. It is preferable to include a check that matches the customer ledger stored in / B (1100).

In addition, the validation of the account linking application information is the information contained in the account linking application information, the financial account information of the customer ledger D / B (1100) on the financial system linked to the account linking application information registration system It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the account linking application information is the information contained in the account linking application information, the telephone number information of the customer in the ledger D / B on the financial system linked to the online account registration system shown in Figure 1 It is preferable to include a check whether the match with the online ledger stored in (1100).

Referring to FIG. 10, the information registration server 1000 receives the image content transmitted from the information registration terminal 1080 through the image receiving unit 1020 and through the validity checking unit 1025. When the validity of the account linking application information is authenticated, an electronic document generation unit 1030 for generating a predetermined account linking application electronic document including the received image content, and the account linking application electronic document linked to the account And an electronic document transmission unit 1035 for transmitting to the electronic document repository associated with the application information registration system.

The electronic document generator 1030 may generate an account interworking request electronic document including the image content received from the information registration terminal 1080 through the image receiver 1020.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1030 targets the affiliated store as an image file including the image content received from the information registration terminal 1080 through the image receiving unit 1020. As a result, it is preferable to process an electronic document for linking an account for linking with an online account issued through a telecommunication company.

Alternatively, the electronic document generation unit 1030 is included in the account linkage application information received through the information receiving unit 1015 to the image content received from the information registration terminal 1080 through the image receiving unit 1020. Image file corresponding to the image content including at least one of customer information, financial account information, telephone number information by watermarking method for interworking with an online account issued through a telecommunication company for the merchant It is desirable to generate an electronic document for applying for linkage.

According to another embodiment of the present invention, the electronic document generating unit 1030 is a predetermined document file (eg, including the image content received from the information registration terminal 1080 through the image receiving unit 1020) By generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), It is desirable to generate an account interworking application electronic document for interworking with the online account issued through the telecommunications company.

Alternatively, the electronic document generation unit 1030 is included in the account linkage application information received through the information receiving unit 1015 to the image content received from the information registration terminal 1080 through the image receiving unit 1020. Generate image contents including at least one of customer information, financial account information, and telephone number information by a watermarking method, and include a predetermined document file (eg, a PDF (Portable Document) including the generated image contents. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, etc., or web document file including MHT). It is preferable to generate an account linking application electronic document for linking with the issued online account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1030 may receive the image content and the information receiving unit 1015 received from the information registration terminal 1080 through the image receiving unit 1020. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received account interworking application information, or an MHT. By generating a web document file, etc.), it is preferable to generate an account interworking application electronic document for interworking with the online account issued through the telecommunication company for the merchant.

Alternatively, the electronic document generation unit 1030 is included in the account linkage application information received through the information receiving unit 1015 to the image content received from the information registration terminal 1080 through the image receiving unit 1020. A predetermined document file including image information including at least one of customer information, financial account information, and telephone number information by a watermarking method, and including the generated image content and the account linking application information ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), It is preferable to generate an electronic document linking application for linking with an online account issued through a telecommunication company.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 1030 is a technical feature of generating an account link application electronic document of the image file format and / or a predetermined document file format, and the account Since the technical features of the file format for the image file and / or document file corresponding to the interworking application electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1035 transmits and stores the electronic document interrogation request electronic document generated by the electronic document generating unit 1030 to a predetermined electronic document repository associated with the account interworking application information registration system. It is done.

As shown in FIG. 10, the electronic document repository is connected to an information registration server 1000 on the account interworking application information registration system through a predetermined communication means and a predetermined electronic document server 1045 and an electronic document D / B. When provided to the outside, including the 1065, the electronic document transmission unit 1035 is the electronic document server (10) through the communication means for the account interworking request electronic document generated by the electronic document generation unit 1030 ( 1045).

Here, when the electronic document server 1045 and the electronic document D / B 1065 is provided outside the account linkage application information registration system, the electronic document server 1045 and the electronic document D / B (1065) ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the account interworking application information registration system, the electronic document transmitting unit 1035 is generated by the electronic document generating unit 1030. It is possible to store the electronic document D / B (1065) corresponding to the electronic document storage on the DBMS provided in the account link application information registration system, the present invention is not limited by this.

According to the method of the present invention, the electronic document transmission unit 1035 is electronic document related information for generating predetermined electronic document management information in the electronic document server 1045 (for example, linked account corresponding to the image content) Customer information on which the application was made, and / or financial institution information transmitting the account linkage request electronic document, and / or electronic document file format information, and / or the account linkage application information, etc.) to the electronic document repository. It is possible to transmit, by which the present invention is not limited.

Referring to FIG. 10, the information registration server 1000 is an online account in which the account interworking application information received through the information receiving unit 1015 is issued to the affiliated store through the validity checking unit 1025. When the validity for interworking with the authentication is authenticated, an information storage unit for linking the customer information, financial account information, phone number information included in the validity of the account linking application information is stored in a predetermined storage medium 1070 ( 1040) characterized by comprising.

When the validity of the account linking application information is confirmed by the validity confirming unit 1025, the information storage unit 1040 processes the customer information, the financial account information, and the phone number information included in the account linking application information. When the storage medium 1070 is provided in the information registration server 1000, or provided in the network associated with the information registration server 1000, The information storage unit 1040 preferably processes the customer information, the financial account information, and the phone number information included in the received account interworking application information and stores them in the storage medium 1070, and the storage medium 1070. ) Is provided in the DBMS provided on the financial system, the information storage unit 1040 is the customer information, financial account information, telephone number information included in the received account linkage application information when the financial To step through the available information on the FEP system and is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 10, a predetermined account interworking request electronic document is received from the information registration server 1000 provided on the account interworking application information registration system, and stored in a predetermined pre-consultation D / B 1065. The electronic document server 1045 includes an electronic document receiving unit 1050 which receives a predetermined account interworking request electronic document from the information registration server 1000 through a predetermined communication means, and the received account interworking request electronic document. An information generation unit 1055 for generating predetermined electronic document management information for storage and management in the electronic document D / B 1065, and the electronic document management information and the account interworking application electronic document in a predetermined process. And an electronic document storage unit 1060 which is stored in the electronic document D / B 1065.

The electronic document receiving unit 1050 may receive an account interworking request electronic document in the form of an image file and / or a document file from the information registration server 1000 through the communication means.

According to an embodiment of the present invention, the account interworking request electronic document that the electronic document receiving unit 1050 receives through the communication means is the image content received by the information registration server 1000 from the information registration terminal 1080 It is preferable that the image file including the same as it is made.

Alternatively, the account interworking request electronic document received by the electronic document receiving unit 1050 through the communication means may include the account interworking request information on the image content received by the information registration server 1000 from the information registration terminal 1080. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial account information, telephone number information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the account interworking request electronic document that the electronic document receiving unit 1050 receives through the communication means is an image received by the information registration server 1000 from the information registration terminal 1080. A predetermined document file including contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the account interworking request electronic document received by the electronic document receiving unit 1050 through the communication means is included in the account interworking application information on the image content received by the information registration server 1000 from the information registration terminal 1080. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an EDI (e.g., a PDF file) containing image content including at least one or more of customer information, financial account information, and telephone number information included in a watermarking manner) Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the account interworking request electronic document received by the electronic document receiving unit 1050 through the communication means is received by the information registration server 1000 from the information registration terminal 1080. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including an image content and the account linking application information; Or a web document file including the MHT).

Alternatively, the account interworking request electronic document received by the electronic document receiving unit 1050 through the communication means is included in the account interworking application information on the image content received by the information registration server 1000 from the information registration terminal 1080. Image content including at least one or more of the included customer information, financial account information, and telephone number information by a watermarking method, and a predetermined document file (eg, PDF (Portable Document Format) including the account linkage application information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

The information generating unit 1055 is a predetermined electronic document unique number (or unique information) to be assigned to the account interworking request electronic document received through the electronic document receiving unit 1050, and through the electronic document receiving unit 1050 And generating electronic document management information including electronic document storage date and time information including a date and time at which the account linking application electronic document was received (or a date and time at which the account linking application electronic document was stored).

According to an exemplary embodiment of the present invention, the information generating unit 1055 refers to the information registration server 1000 that transmits the account interworking request electronic document received through the electronic document receiving unit 1050 and the account interworking request. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1000 through the electronic document receiving unit 1050, the information generating unit 1055 receives the received information. Electronic document-related information (e.g., customer information for creating an account interworking application corresponding to the image content, and / or financial institution information for transmitting the account interworking application electronic document, and / or electronic document file format information, and / or the It is preferable to generate electronic document management information further including account linking application information).

The electronic document storage unit 1060 processes the electronic document management information generated by the account interworking request electronic document received through the electronic document receiving unit 1050 and the information generating unit 1055 in association with a predetermined electronic document D. / B 1065, characterized in that the storage.

According to one embodiment of the present invention, the account registration request electronic document stored in the electronic document storage unit 1060 in the electronic document D / B (1065) is the information registration server 1000 is the information registration terminal (1080) It is preferable that the image file including the image content received from the) as it is included.

Alternatively, the account linkage request electronic document stored in the electronic document D / B 1065 by the electronic document storage unit 1060 may be the image content received by the information registration server 1000 from the information registration terminal 1080. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial account information, telephone number information included in the account linking application information in a watermarking (Watermarking) method.

According to another embodiment of the present invention, the account registration request electronic document stored in the electronic document storage unit 1060 in the electronic document D / B (1065) is the information registration server 1000 is the information registration terminal ( A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content received from 1080, Or a web document file including the MHT).

Alternatively, the account interworking request electronic document stored in the electronic document D / B 1065 by the electronic document storage unit 1060 may be stored in the image contents received by the information registration server 1000 from the information registration terminal 1080. A predetermined document file (eg, PDF (Portable Document Format) including image content including at least one or more of customer information, financial account information, and phone number information included in the account linking application information by watermarking. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another embodiment of the present invention, the account registration request electronic document stored in the electronic document storage unit 1060 in the electronic document D / B (1065) is the information registration server 1000 is the information registration terminal At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the 1080 and the account linkage application information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the account interworking request electronic document stored in the electronic document D / B 1065 by the electronic document storage unit 1060 may be stored in the image contents received by the information registration server 1000 from the information registration terminal 1080. A predetermined document file including image content including at least one or more of customer information, financial account information, and phone number information included in the account linking application information by a watermarking method and the account linking application information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1065 by the electronic document storage unit 1060 in association with the electronic document interworking request electronic document is stored in the electronic document interworking request electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1065 by the electronic document storage unit 1060 in association with the account interworking request electronic document is applied to the account interworking request. It is preferable that the financial institution further includes information on the financial institution that has transmitted the electronic document linked to the application information identified with reference to the information registration server 1000 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1000, the electronic document storage unit 1060 processes the electronic document storage request electronic document in association with the electronic document storage application. The electronic document management information stored in the electronic document D / B 1065 may include the received electronic document related information (for example, customer information for creating an account linking application corresponding to the image content, and / or the account linking application electronic document). Financial institution information, and / or electronic document file format information, and / or the account linkage application information).

11 is an account interworking application information stored in the ledger D / B (1100) provided in the DBMS on the financial system in a face-to-face manner for interworking with the online account issued through the telecommunications company for the merchant in accordance with an embodiment of the present invention Figure is a diagram.

In more detail, in FIG. 11, when the storage medium 1070 illustrated in FIG. 10 is the ledger D / B 1100 provided in the DBMS on the financial system, the ledger information included in the ledger D / B 1100 is used. As the information structure for an implementation method in which the account linking application information including the customer information, the financial account information, and the phone number information is stored, the person having ordinary knowledge in the technical field to which the present invention belongs, 11 and / or modified to infer various information configuration methods for storing the account linkage application information in the ledger D / B 1100, but the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in FIG.

Referring to FIG. 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1100 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 1100 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 11, the account linkage application information provided through the account linkage application information registration system shown in FIG. 10 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one information, financial account information, telephone number information.

The financial account information includes at least an account number, an account alias, an account name, an account holder, and the like of an actual account of the customer to be linked with the online account issued to the customer through the online account registration system shown in FIG. It is preferable to include one or more.

Preferably, the phone number information includes phone number information of an online account issued to the customer through the online account registration system shown in FIG.

The customer information includes personal information of the customer (for example, the name of the customer, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (for example, Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the account linkage application information registration system corresponding to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

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

Figure 12 is stored in a database linked to the ledger D / B (1100) provided in the DBMS on the financial system in a face-to-face manner for interworking with the online account issued through the telecommunication company for the merchant in accordance with another embodiment of the present invention It is a figure which shows the structure of the account interworking application information.

More specifically, FIG. 12 shows information on an exemplary method in which the storage medium 1070 shown in FIG. 10 is stored in a predetermined database linked to the ledger D / B 1100 included in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 12 and transmit the account linkage application information to a predetermined database with the ledger D / B 1100. It will be possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 12, when it is not easy to store the account linkage application information in the ledger information of the ledger D / B 1100 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B 1100 or the system is not easy to expand due to the characteristics of the financial system), the account interworking application information is stored in a predetermined database instead of the ledger D / B 1100. FIG. 1 illustrates an implementation method of linking and storing the database and the ledger D / B 1100.

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

Referring to Figure 12, the database is characterized in that the customer information, financial account information, phone number information included in the account linkage application information linked processing and stored, the account linkage application information is the ledger D / B ( It is preferable that the CIF number corresponding to the ledger information is further included in the account linkage application information to be linked to the processing 1100.

The financial account information includes at least an account number, an account alias, an account name, an account holder, and the like of an actual account of the customer to be linked with the online account issued to the customer through the online account registration system shown in FIG. It is preferable to include one or more.

Preferably, the phone number information includes phone number information of an online account issued to the customer through the online account registration system shown in FIG.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. By registering as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the account linkage application information registration system corresponding to the customer. It is preferable that it comprises at least one or more).

FIG. 13 is a diagram illustrating the configuration of account linkage application information stored in a DBMS provided in a banking server in a face-to-face manner for interworking with an online account issued through a telecommunication company for an affiliated store according to another embodiment of the present invention.

More specifically, in Figure 13, the storage medium 1070 shown in Figure 10 is a predetermined banking provided on the Internet banking system, and / or tele-banking system, and / or wireless banking system, and / or TV banking system As an embodiment provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the drawing 13 Although it is possible to infer a method of constructing information on account linkage application information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 13, a predetermined DBMS provided in the banking server may store and store customer information, financial account information, and phone number information included in the account linkage application information.

The financial account information includes at least an account number, an account alias, an account name, an account holder, and the like of an actual account of the customer to be linked with the online account issued to the customer through the online account registration system shown in FIG. It is preferable to include one or more.

Preferably, the phone number information includes phone number information of an online account issued to the customer through the online account registration system shown in FIG.

The customer information includes personal information of the customer (e.g., customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and the member information of the customer (e.g. By registering as a financial transaction customer of a financial institution, member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the account linkage application information registration system corresponding to the customer. It is preferable that it comprises at least one or more).

14A and 14B illustrate a process of registering account linking application information in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, Figs. 14A and 14B are window terminals 1075 provided with the information registration terminal 1080 on the account linkage application information registration system shown in Fig. 10 at a financial institution branch (or branch), and the information registration. In the case where the server 1000 has a ledger server (not shown) function on the financial system associated with the counter terminal 1075 through a predetermined financial network, a predetermined customer is issued online through a telecommunication company for a merchant. When the account linking application form including at least one or more of customer information, financial account information, and phone number information for linking with an account is generated and submitted, a predetermined window terminal 1075 provides a link to the account linking application through a predetermined image acquisition device. Acquire a corresponding predetermined image content, and correspond to the account linking application with the account linking application information registration system through a predetermined information registration interface. If the account linking application information and the image contents obtained from the account linking application are provided, a predetermined account linking application electronic document including the image content is generated and stored in a predetermined electronic document storage, An embodiment of the present invention relates to a method of interworking the included customer information, financial account information, and phone number information and storing the information in a predetermined storage medium 1070. Specifically, the counter terminal 1075 uses the predetermined image obtaining apparatus. After obtaining the predetermined image content corresponding to the account linkage application form and transmitting it to the information registration server 1000, input (or select) the account linkage application information corresponding to the account linkage application form, the information registration server 1000 It shows a method of transmitting to.

Those skilled in the art to which the present invention pertains may register the account linkage application information with the information registration server 1000 in the window terminal 1075 by referring to and / or modifying the drawings 14a and 14b. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 14A and 14B.

For example, in the implementation method shown in FIGS. 14A and 14B, the counter terminal 1075 acquires predetermined image contents corresponding to the account linkage application through a predetermined image acquisition device, and / or the account linkage application. Although a user interface for inputting (or selecting) account interworking application information corresponding to is illustrated and provided from the information registration server 1000, but a predetermined information registration program is provided in the window terminal 1075, The user interface may not be provided from the information registration server 1000, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 1075 shown in FIG. 10 in FIG. 14A and FIG. 14B will be referred to as a "terminal" for convenience, and the information registration server 1000 shown in FIG. 10 will be referred to as a "server" for convenience. The customer information, the financial account information, and the phone number information transmitted from the counter terminal 1075 to the information registration server 1000 are referred to as "account interworking application information" for convenience.

Referring to FIGS. 14A and 14B, a predetermined customer prepares an account linking application including at least one of customer information, financial account information, and phone number information for linking with an online account issued through a telecommunication company for a merchant. When submitted, the counter terminal 1075 shown in FIG. 10 is issued to a merchant corresponding to the account interworking application through a communication company while accessing the server through a predetermined financial network and connecting a predetermined communication channel. When the user interface request for interworking with the online account is requested (1400), the server acquires predetermined image contents corresponding to the account interworking application written by the customer through the predetermined image acquisition device in the terminal. Create (or extract) a user interface for transmission to a server (1405), and generate the user interface through the financial network; The generated (or extracted) user interface is transmitted to the terminal and output (1410).

Thereafter, the terminal acquires image contents corresponding to the account interworking application through a predetermined image obtaining apparatus based on the user interface (1415).

If image content corresponding to the account linkage application is obtained through the image acquisition device (1420), the terminal transmits the obtained image content to the server through the financial network (1425).

Thereafter, the server inputs (or selects) the account linkage application information including at least one of customer information, financial account information, and phone number information corresponding to the account linkage application matching the image content, and transmits the same to the server. A user interface is generated (or extracted) (1430), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1435).

Thereafter, the terminal inputs (or selects) account linkage application information including at least one of the customer information, financial account information, and phone number information through the user interface (1440).

If account linking application information including at least one of the customer information, financial account information, and phone number information is input (or selected) through the user interface (1445), the terminal transmits the information to the server through the financial network. The input (or selected) link information is transmitted (1450).

Thereafter, the server receives and reads account interworking application information including at least one of the customer information, financial account information, and phone number information through the financial network to confirm validity of the account interworking application information (1455). .

According to an embodiment of the present invention, the validity check of the account linking application information is at least one matching the account linking application information to the ledger D / B 1100 on the financial system associated with the account linking application information registration system It is preferable to include checking whether the above ledger information is registered.

For example, the validity confirming unit 1025 may include, among the information included in the account linking application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the account linking application information registration system. It is preferable to include a check that matches the customer ledger stored in / B (1100).

In addition, the validation of the account linking application information is the information contained in the account linking application information, the financial account information of the customer ledger D / B (1100) on the financial system linked to the account linking application information registration system It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the account linking application information is the information contained in the account linking application information, the telephone number information of the customer in the ledger D / B on the financial system linked to the online account registration system shown in Figure 1 It is preferable to include a check whether the match with the online ledger stored in (1100).

If the validity of the account linking application information is not authenticated (1460), the server generates predetermined information registration error information and transmits it to the terminal (1465), and performs an information registration procedure corresponding to the account linking application information. Do not perform.

On the other hand, if the validity of the account linking application information is authenticated (1460), the server generates a predetermined account linking application electronic document containing the image content (1470).

According to an embodiment of the present invention, the server is issued to the affiliate through the image file including the image content received from the information registration terminal 1080 through the image receiving unit 1020 through a communication company It is preferable to process an electronic document for linking an account for linking with an online account.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. Generating an account linking application electronic document for linking with an online account issued through a telecommunication company to the merchant for an image file corresponding to the image content including at least one or more information of the phone number information by a watermarking method It is desirable to.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the information registration terminal 1080 through the image receiving unit 1020. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to be issued through a communication company to the affiliated store. It is desirable to generate an account linking application electronic document for linking with the online account.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. And generating image contents including at least one or more information of telephone number information by a watermarking method, and including a predetermined document file (eg, a Portable Document Format (PDF) file or EDI) including the generated image contents. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby interworking with an online account issued through a telecommunication company for the merchant. It is desirable to create an account interworking request electronic document for.

According to another embodiment of the present invention, the server is linked to the account received through the image receiving unit 1015 and the image content received from the information registration terminal 1080 through the image receiving unit 1020. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc.), it is preferable to generate an account interworking application electronic document for interworking with the online account issued through the communication company for the merchant.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. And generating image content including at least one or more information of the phone number information by a watermarking method, and a predetermined document file (eg, PDF (Portable Document) including the generated image content and the account linkage application information. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT). It is preferable to generate an account linking application electronic document for linking with the issued online account.

If the person skilled in the art to which the present invention pertains, the technical feature that the server generates an account interworking request electronic document in the image file format and / or a predetermined document file format, and correspond to the account interlocking application electronic document The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account interworking request electronic document in a predetermined electronic document storage (1475).

As shown in FIG. 10, the electronic document repository includes a predetermined electronic document server 1045 and an electronic document D / B 1065 associated with a server on the account linkage application information registration system through predetermined communication means. In the case of being provided outside, the server preferably transmits the generated account interworking application electronic document to the electronic document server 1045 through the communication means and stores the electronic document server 1045 in the electronic document D / B 1065. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the account linking application information registration system, the server may send the generated account linking application electronic document on the DBMS provided in the account linking application information registration system. It is possible to store in the electronic document D / B 1065 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the account interworking request electronic document in the electronic document repository may be performed by linking the generated account interworking application electronic document with predetermined electronic document management information as illustrated in FIG. 10. It is preferable to include storing in the electronic document D / B 1065.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic document linking application.

In addition, the electronic document management information may be predetermined electronic document-related information (for example, customer information for creating an account linking application corresponding to the image content, and / or financial institution information for transmitting the account linking application electronic document, and / or Electronic document file format information, and / or the account linkage application information).

If the account linking application electronic document is stored in the electronic document storage (1480), the server is linked to the customer information, financial account information, telephone number information included in the account linking application information by a predetermined storage medium ( 1070, and the predetermined information registration history information (e.g., the history of storing the account linkage request electronic document in the electronic document storage, and / or the account linkage request information in the storage medium 1070) Stored details) are generated (or extracted) and transmitted to the terminal (1490).

According to an embodiment of the present invention, the storage medium 1070 may be provided in a DBMS on a financial system provided on the account linking application information registration system (or associated with the account linking application information registration system). In this case, the storage medium 1070 may be a ledger D / B 1100 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, thereby The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1070 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the account linkage registration information registration system It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

15A and 15B illustrate a process of registering account linking application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 15a and 15b show a counter terminal 1075 provided at a financial institution branch (or branch) in which an information registration terminal 1080 on the account linkage application information registration system shown in Figure 10 is provided. In the case where the server 1000 has a ledger server (not shown) function on the financial system associated with the counter terminal 1075 through a predetermined financial network, a predetermined customer is issued online through a telecommunication company for a merchant. When the account linking application form including at least one or more of customer information, financial account information, and phone number information for linking with an account is generated and submitted, a predetermined window terminal 1075 provides a link to the account linking application through a predetermined image acquisition device. Acquire a corresponding predetermined image content, and correspond to the account linking application with the account linking application information registration system through a predetermined information registration interface. If the account linking application information and the image contents obtained from the account linking application are provided, a predetermined account linking application electronic document including the image content is generated and stored in a predetermined electronic document storage, An embodiment of the present invention relates to a method of interworking the included customer information, financial account information, and phone number information and storing the information in a predetermined storage medium 1070. Specifically, an account corresponding to the account interworking application in the counter terminal 1075 After inputting (or selecting) the linkage application information to the information registration server 1000, the predetermined image content corresponding to the account linkage application is obtained through a predetermined image acquisition device to obtain the information registration server 1000. It shows a method of transmitting to.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 15a and 15b to transfer the account interworking application information from the counter terminal 1075 to the information registration server 1000. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 15A and 15B.

For example, in the implementation method illustrated in FIGS. 15A and 15B, the counter terminal 1075 acquires predetermined image contents corresponding to the account linkage application form through a predetermined image acquisition device, and / or the account linkage application form. Although a user interface for inputting (or selecting) account interworking application information corresponding to is illustrated and provided from the information registration server 1000, but a predetermined information registration program is provided in the window terminal 1075, The user interface may not be provided from the information registration server 1000, and thus the present invention is not limited thereto.

Hereinafter, the window terminal 1075 shown in FIG. 10 in FIG. 15A and FIG. 15B will be referred to as "terminal" for convenience, and the information registration server 1000 shown in FIG. 10 will be referred to as "server" for convenience. The customer information, the financial account information, and the phone number information transmitted from the counter terminal 1075 to the information registration server 1000 are referred to as "account interworking application information" for convenience.

15A and 15B, a predetermined customer prepares an account linking application including at least one of customer information, financial account information, and phone number information for linking with an online account issued through a telecommunication company for a merchant. When submitted, the counter terminal 1075 shown in FIG. 10 is issued to a merchant corresponding to the account interworking application through a communication company while accessing the server through a predetermined financial network and connecting a predetermined communication channel. When requesting a user interface for interworking with the online account (1500), in response, the server interlocks an account including at least one of customer information, financial account information, and phone number information corresponding to the account interworking application created by the customer. Generate (or extract) a user interface for entering (or selecting) application information and transmitting it to the server; In operation 1505, the generated (or extracted) user interface is transmitted to the terminal through the financial network and output.

Thereafter, the terminal inputs (or selects) account interworking application information including at least one of the customer information, financial account information, and phone number information through the user interface (1515).

If the account linkage application information including at least one of the customer information, the financial account information, and the phone number information is input (or selected) through the user interface (1520), the terminal transmits the information to the server through the financial network. The input (or selected) linked account application information is transmitted (1525).

Thereafter, the server receives and reads the account linkage request information including at least one of the customer information, the financial account information, and the phone number information through the financial network to check the validity of the account linkage application information (1530). .

According to an embodiment of the present invention, the validity check of the account linking application information is at least one or more matching the account linking application information to the ledger D / B 1100 on the financial system associated with the account linking application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 1025 may include, among the information included in the account linking application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the account linking application information registration system. It is preferable to include a check that matches the customer ledger stored in / B (1100).

In addition, the validation of the account linking application information is the information contained in the account linking application information, the financial account information of the customer ledger D / B (1100) on the financial system linked to the account linking application information registration system It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the account linking application information is the information contained in the account linking application information, the telephone number information of the customer in the ledger D / B on the financial system linked to the online account registration system shown in Figure 1 It is preferable to include a check whether the match with the online ledger stored in (1100).

If the validity of the account linking application information is not authenticated (1535), the server generates predetermined information registration error information and transmits it to the terminal (1540), and performs an information registration procedure corresponding to the account linking application information. Do not perform.

On the other hand, if the validity of the account linking application information is authenticated (1535), the server acquires predetermined image contents corresponding to the account linking application written by the customer through the predetermined image obtaining apparatus from the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (1545), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1550).

Thereafter, the terminal acquires image content corresponding to the account interworking application through a predetermined image obtaining apparatus based on the user interface in operation 1555.

If image content corresponding to the account linkage application is obtained through the image acquisition device (1560), the terminal transmits the obtained image content to the server through the financial network (1565).

After receiving the account linkage request information and the image content from the terminal, the server generates a predetermined account linkage request electronic document including the image content (1570).

According to an embodiment of the present invention, the server is issued to the affiliate through the image file including the image content received from the information registration terminal 1080 through the image receiving unit 1020 through a communication company It is preferable to process an electronic document for linking an account for linking with an online account.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. Generating an account linking application electronic document for linking with an online account issued through a telecommunication company to the merchant for an image file corresponding to the image content including at least one or more information of the phone number information by a watermarking method It is desirable to.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 1080 through the image receiving unit 1020. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is desirable to generate an account linking application electronic document for linking with an online account.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. And generating image contents including at least one or more information of telephone number information by a watermarking method, and including a predetermined document file (eg, a Portable Document Format (PDF) file or EDI) including the generated image contents. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby interworking with an online account issued through a telecommunication company for the merchant. It is desirable to create an account interworking request electronic document for.

According to another embodiment of the present invention, the server is linked to the image information received from the information receiving unit 1015 and the image content received from the information registration terminal 1080 via the image receiving unit 1020. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate an account interworking application electronic document for interworking with the online account issued through the communication company for the merchant.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. And generating image content including at least one or more information of the phone number information by a watermarking method, and a predetermined document file (eg, PDF (Portable Document) including the generated image content and the account linkage application information. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT). It is preferable to generate an account linking application electronic document for linking with the issued online account.

If the person skilled in the art to which the present invention pertains, the technical feature that the server generates an account interworking request electronic document in the image file format and / or a predetermined document file format, and correspond to the account interlocking application electronic document The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account interworking request electronic document in a predetermined electronic document storage (1575).

As shown in FIG. 10, the electronic document repository includes a predetermined electronic document server 1045 and an electronic document D / B 1065 associated with a server on the account linkage application information registration system through predetermined communication means. In the case of being provided outside, the server preferably transmits the generated account interworking application electronic document to the electronic document server 1045 through the communication means and stores the electronic document server 1045 in the electronic document D / B 1065. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the account linking application information registration system, the server may send the generated account linking application electronic document on the DBMS provided in the account linking application information registration system. It is possible to store in the electronic document D / B 1065 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the electronic document interworking request electronic document in the electronic document storage, the electronic link shown in Figure 10 by processing the generated electronic linkage request electronic document and predetermined electronic document management information It is preferable to include storing in the document D / B (1065).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic document linking application.

In addition, the electronic document management information may be predetermined electronic document-related information (for example, customer information for creating an account linking application corresponding to the image content, and / or financial institution information for transmitting the account linking application electronic document, and / or Electronic document file format information, and / or the account linkage application information).

If the account linking application electronic document is stored in the electronic document storage (1580), the server is linked to the customer information, financial account information, telephone number information included in the account linking application information by a predetermined storage medium ( Information storage history information (e.g., information stored in the electronic document storage in the electronic document storage, and / or the storage linkage application information in the storage medium 1070). Stored details) are generated (or extracted) and transmitted to the terminal (1590).

According to an embodiment of the present invention, the storage medium 1070 may be provided in a DBMS on a financial system provided on the account linking application information registration system (or associated with the account linking application information registration system). In this case, the storage medium 1070 may be a ledger D / B 1100 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, thereby The present invention is not limited.

According to another embodiment of the present invention, the storage medium 1070 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the account linkage registration information registration system It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

16A and 16B illustrate a process of registering account linking application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figs. 16A and 16B are window terminals 1075 provided with the information registration terminal 1080 on the account interworking application information registration system shown in Fig. 10 at a financial institution branch (or branch), and the information registration. In the case where the server 1000 has a ledger server (not shown) function on the financial system associated with the teller terminal 1075 through a predetermined financial network, a predetermined customer is issued through a telecommunication company for a merchant. If an account linking application form including at least one or more of customer information, financial account information, and phone number information for linking with an online account is prepared and submitted, the account linking application through a predetermined image acquisition device at a predetermined window terminal 1075 Acquire a predetermined image content corresponding to the correspondence, and correspond to the account linkage application with the account linkage application information registration system through a predetermined information registration interface. If the account linking application information and the image contents obtained from the account linking application are provided, a predetermined account linking application electronic document including the image content is generated and stored in a predetermined electronic document storage, An embodiment of the present invention relates to a method of interworking the included customer information, financial account information, and phone number information and storing the information in a predetermined storage medium 1070. Specifically, the counter terminal 1075 uses the predetermined image obtaining apparatus. A method of obtaining a predetermined image content corresponding to an account linking application, inputting (or selecting) account linking application information corresponding to the account linking application, and transmitting the same to the information registration server 1000 is illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 16a and 16b to register the account interworking application information from the terminal 1075 to the information registration server 1000. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 16A and 16B.

For example, in the implementation method shown in FIGS. 16A and 16B, the teller terminal 1075 acquires predetermined image contents corresponding to the account linkage application through a predetermined image acquisition device, and / or the account linkage application. Although a user interface for inputting (or selecting) account interworking application information corresponding to is illustrated and provided from the information registration server 1000, but a predetermined information registration program is provided in the window terminal 1075, The user interface may not be provided from the information registration server 1000, and thus the present invention is not limited thereto.

In the following Figures 16a and 16b, the window terminal 1075 shown in Figure 10 is referred to as "terminal" for convenience, and the information registration server 1000 shown in Figure 10 is referred to as "server" for convenience. The customer information, the financial account information, and the phone number information transmitted from the counter terminal 1075 to the information registration server 1000 are referred to as "account interworking application information" for convenience.

Referring to FIGS. 16A and 16B, a predetermined customer prepares an account linking application including at least one of customer information, financial account information, and phone number information for linking with an online account issued through a telecommunication company for a merchant. When submitted, the teller terminal 1075 shown in FIG. 10 is issued to a merchant corresponding to the account interworking application through a communication company with a predetermined communication channel connected to the server through a predetermined financial network. When requesting a user interface for interworking with an online account (1600), in response, the server inputs (or selects) account interworking application information corresponding to the account interworking application written by the customer in the terminal, and selects a predetermined image. Acquiring predetermined image contents corresponding to the account linkage application through the obtaining device and transmitting the predetermined image content to the server It generates (or extracts) a user interface 1605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (1610).

Thereafter, the terminal inputs (or selects) account interworking application information including at least one of the customer information, financial account information, and phone number information through the user interface (1615).

If account linking application information including at least one of the customer information, financial account information, and phone number information is input (or selected) through the user interface (1620), the terminal displays a predetermined image based on the user interface. The image content corresponding to the account linkage application is obtained through the obtaining apparatus (1625).

If image content corresponding to the account linkage application is obtained through the image acquisition device (1630), the terminal transmits the account linkage application information and the image content to the server through the financial network (1635).

Thereafter, the server receives and reads the account linkage request information including at least one of the customer information, the financial account information, and the phone number information through the financial network to check the validity of the account linkage application information (1640). .

According to an embodiment of the present invention, the validity check of the account linking application information is at least one or more matching the account linking application information to the ledger D / B 1100 on the financial system associated with the account linking application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 1025 may include, among the information included in the account linking application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the account linking application information registration system. It is preferable to include a check that matches the customer ledger stored in / B (1100).

In addition, the validation of the account linking application information is the information contained in the account linking application information, the financial account information of the customer ledger D / B (1100) on the financial system linked to the account linking application information registration system It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the account linking application information is the information contained in the account linking application information, the telephone number information of the customer in the ledger D / B on the financial system linked to the online account registration system shown in Figure 1 It is preferable to include a check whether the match with the online ledger stored in (1100).

If the validity of the account linking application information is not authenticated (1645), the server generates predetermined information registration error information and transmits it to the terminal (1650), and performs an information registration procedure corresponding to the account linking application information. Do not perform.

On the other hand, if the validity of the account linking application information is authenticated (1645), the server generates a predetermined account linking application electronic document containing the image content (1655).

According to an embodiment of the present invention, the server is issued to the affiliate through the image file including the image content received from the information registration terminal 1080 through the image receiving unit 1020 through a communication company It is preferable to process an electronic document for linking an account for linking with an online account.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. Generating an account linking application electronic document for linking with an online account issued through a telecommunication company to the merchant for an image file corresponding to the image content including at least one or more information of the phone number information by a watermarking method It is desirable to.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 1080 through the image receiving unit 1020. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is desirable to generate an account linking application electronic document for linking with an online account.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. And generating image contents including at least one or more information of telephone number information by a watermarking method, and including a predetermined document file (eg, a Portable Document Format (PDF) file or EDI) including the generated image contents. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby interworking with an online account issued through a telecommunication company for the merchant. It is desirable to create an account interworking request electronic document for.

According to another embodiment of the present invention, the server is linked to the image information received from the information receiving unit 1015 and the image content received from the information registration terminal 1080 via the image receiving unit 1020. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate an account interworking application electronic document for interworking with the online account issued through the communication company for the merchant.

Alternatively, the server may include customer information and financial account information included in the account linkage application information received through the information receiving unit 1015 on the image content received from the information registration terminal 1080 through the image receiving unit 1020. And generating image content including at least one or more information of the phone number information by a watermarking method, and a predetermined document file (eg, PDF (Portable Document) including the generated image content and the account linkage application information. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT). It is preferable to generate an account linking application electronic document for linking with the issued online account.

If the person skilled in the art to which the present invention pertains, the technical feature that the server generates an account interworking request electronic document in the image file format and / or a predetermined document file format, and correspond to the account interlocking application electronic document The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account interworking request electronic document in a predetermined electronic document storage (1660).

As shown in FIG. 10, the electronic document repository includes a predetermined electronic document server 1045 and an electronic document D / B 1065 associated with a server on the account linkage application information registration system through predetermined communication means. In the case of being provided outside, the server preferably transmits the generated account interworking application electronic document to the electronic document server 1045 through the communication means and stores the electronic document server 1045 in the electronic document D / B 1065. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the account linking application information registration system, the server may send the generated account linking application electronic document on the DBMS provided in the account linking application information registration system. It is possible to store in the electronic document D / B 1065 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the electronic document interworking request electronic document in the electronic document storage, the electronic link shown in Figure 10 by processing the generated electronic linkage request electronic document and predetermined electronic document management information It is preferable to include storing in the document D / B 1065.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic document linking application.

In addition, the electronic document management information may be predetermined electronic document-related information (for example, customer information for creating an account linking application corresponding to the image content, and / or financial institution information for transmitting the account linking application electronic document, and / or Electronic document file format information, and / or the account linkage application information).

If the account linking application electronic document is stored in the electronic document storage (1665), the server is linked to the customer information, financial account information, telephone number information included in the account linking application information by a predetermined storage medium ( 1070 and the predetermined information registration history information (e.g., the history of storing the account linkage request electronic document in the electronic document storage, and / or the account linkage request information in the storage medium 1070). Stored details) are generated (or extracted) and transmitted to the terminal (1675).

According to an embodiment of the present invention, the storage medium 1070 may be provided in a DBMS on a financial system provided on the account linking application information registration system (or associated with the account linking application information registration system). In this case, the storage medium 1070 may be a ledger D / B 1100 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, thereby The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1070 may be provided on (or associated with) the account linkage registration information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 17 is a diagram illustrating a non-face-to-face account linking application information registration system for linking with an online account issued through a telecommunication company for a merchant according to another embodiment of the present invention.

In more detail, Figure 17 is a predetermined information registration interface for a customer through the account information linking application information registration system for the merchant and the customer information, financial account information, telephone number for interworking with the online account issued through the telecommunications company If the account linking application information including at least one information is provided, the account linking application information registration system generates a predetermined account linking application electronic document including the provided account linking application information and stores it in a predetermined electronic document repository. And a system configuration for linking and processing the customer information, the financial account information, and the phone number information included in the account linkage application information in a predetermined storage medium 1765. Specifically, the electronic document repository has a predetermined communication. External system linked with the account linkage application information registration system through means It is about the implementation method provided in the phase.

For those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 17 to configure an account interworking application information registration system for interworking with an online account issued through a telecommunication company for merchants. 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, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 17 to infer an implementation method provided in the DBMS in which the electronic document repository is located in the account linkage application information registration system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 17, the account linkage request electronic document is illustrated as being generated on the server side on the account linkage application information registration system, but the present invention is not limited thereto. The account interworking request electronic document may be generated at a terminal that inputs (or selects) the account interworking application information and transmits the information (e.g., the electronic document generating function provided at the server side is provided at the terminal side. Generate an application electronic document), by which the present invention is not limited.

Hereinafter, the account linkage application information is received from the customer through a predetermined information registration interface on the account linkage application information registration system shown in FIG. 17, and generates a predetermined account linkage application electronic document and stores it in a predetermined electronic document repository. The components corresponding to at least one or more means and / or functional configurations for storing the account interworking application information in a predetermined storage medium 1765 are referred to as "information registration server 1700" for convenience.

Referring to FIG. 17 according to an embodiment of the present invention, an account interworking application information registration system for interworking with an online account issued through a telecommunication company for the affiliated store may include at least a wired terminal and / or a wireless terminal used by a customer. And at least one information registration terminal 1770 including at least one client terminal and the like, wherein the information registration terminal 1770 is located on the account interworking application information registration system through a predetermined network means. The communication channel is connected to the information registration server 1700 provided in the.

According to an embodiment of the present invention, the customer connects to the information registration server 1700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When inputting (or selecting) account linking application information for linking with an online account issued through a telecommunication company to the affiliated store through at least one or more user interfaces provided by the information registration server 1700, the client terminal predetermined It is preferable to transmit to the information registration server 1700 provided on the account linkage application information registration system through the network means.

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

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

Also, the information registration server 1700 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 1700 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based according to the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1700, and inputs and / or selects at least one or more information through the user interface to the information registration server 1700. 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 1700, 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 account interworking application information 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 or more connecting the client terminal and the information registration server 1700 The wired communication network and / or the wireless communication network perform a function of an information registration interface for registering the account interworking application information for the customer to interwork with the online account issued through the communication company for the affiliated store.

According to another exemplary embodiment of the present invention, the information registration terminal 1770 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A 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. It may further comprise a predetermined call terminal (not shown) connected to, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or 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 account interworking application information registration system as described above, when the information registration terminal 1770 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the The financial network connecting the information registration server 1700 performs a function of an information registration interface for registering the account linking application information for the customer to link with the online account issued through the communication company for the merchant, and / Or when the information registration terminal 1770 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1700 and / or The wireless telephone network is an information registration interface for registering the account linking application information for the customer to link with the online account issued through the telecommunication company for the merchant. And / or when the information registration terminal 1770 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) ( (Not shown) and the network connecting the terminal (and / or server) (not shown) and the information registration server 1700 is linked to the account for the customer to work with the online account issued through the carrier for the merchant It performs the function of the information registration interface for registering the application information.

The storage medium 1765 provided on the account linkage application information registration system according to the present invention includes the customer information, financial account information, and phone number information included in the account linkage application information provided from the information registration terminal 1770. It is characterized in that for storing in a predetermined storage medium 1765 by the cooperative processing.

The financial account information includes at least an account number, an account alias, an account name, an account holder, and the like of an actual account of the customer to be linked with the online account issued to the customer through the online account registration system shown in FIG. It is preferable to include one or more.

Preferably, the phone number information includes phone number information of an online account issued to the customer through the online account registration system shown in FIG.

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

According to one embodiment of the invention, the storage medium 1765 is preferably provided in a DBMS on a financial system provided on the account linking application information registration system (or associated with the account linking application information registration system), In this case, the storage medium 1765 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1800. The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1765 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the account linkage registration information registration system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 1700 provided on the account interworking application information registration system according to the present invention is a generic term for the components of the account interworking application information registration system side connected to the information registration terminal 1770 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 1770 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 1700. 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 is not limited.

According to another embodiment of the present invention, when the information registration terminal 1770 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1700 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 in 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 1770 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1700 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 on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another embodiment of the present invention, when the information registration terminal 1770 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 1700 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 1700 is provided with an interface unit 1705 for connecting and managing a predetermined communication channel with the information registration terminal 1770 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 1770 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1705 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1705 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1700, the interface unit 1705 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 1770 is a financial automation device connected to a predetermined financial network, the interface unit 1705 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 1770 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1705 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal based on. Do.

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 1705 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 1700, the interface unit 1705 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1770 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1705 includes the wired telephone network and / or It is preferable to connect the call 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 1705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through 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 exemplary embodiment of the present invention, when the information registration terminal 1770 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1705 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. 17, when the predetermined information registration terminal 1770 connects a predetermined communication channel with the information registration server 1700 through the interface unit 1705, the affiliate store At least one user for inputting (or selecting) predetermined account interworking application information from the information registration terminal 1770 and interworking with the online account issued through the telecommunication company to transmit the information to the information registration server 1700. An interface providing unit 1710 which generates (or extracts) an interface and provides the generated (or extracted) user interface to the information registration terminal 1770 in association with the interface unit 1705, and the information registration terminal. In operation 1770, when the account interworking application information is input (or selected) through the user interface and transmitted, the information is registered in association with the interface unit 1705. And that the accounts transmitted from the end (1770) formed by an information reception section 1715 for receiving an interworking request information characterized.

The interface providing unit 1710 connects a predetermined communication channel with the information registration server 1700 through the interface unit 1705 through the interface unit 1705, and then sends the information registration server 1700 to the information registration server 1700. When requesting a user interface for interworking with an online account issued through a telecommunication company for a merchant, the information registration terminal 1770 inputs (or selects) predetermined account interworking application information and registers the information through the network means. Generate at least one user interface to be transmitted to the server 1700, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 1705 It is characterized by providing to the information registration terminal 1770 through a network means.

According to an embodiment of the present invention, when the information registration terminal 1770 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1710 may include a browser program provided in the client terminal and It is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the information registration terminal 1770 is a financial automation device connected to a predetermined financial network, the interface providing unit 1710 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 1705.

According to another exemplary embodiment of the present invention, when the information registration terminal 1770 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1710 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 1705.

According to another exemplary embodiment of the present invention, when the information registration terminal 1770 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1710 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1705 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 1770 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1710 may provide 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 1705. .

At least one user interface for inputting (or selecting) predetermined account interworking application information to the information registration terminal 1770 according to another embodiment of the present invention and transmitting the information to the information registration server 1700 via the network means. If a predetermined information registration program is provided, the user interface for inputting (or selecting) predetermined account interworking application information as described above to be transmitted to the information registration server 1700 is generated (or extracted) and the The interface study 1710 provided to the information registration terminal 1770 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 1770 inputs (or selects) account interworking application information including at least one of the customer information, financial account information, and phone number information through the user interface. Account interworking request information is transmitted to the information registration server 1700 through the network means, and correspondingly, the information receiving unit 1715 transmits from the information registration terminal 1770 in association with the interface unit 1705. Characterized in that for receiving the account linkage application information.

According to an embodiment of the present invention, the information registration terminal 1770 is applied to the account linkage request information from the information registration server 1700 to the account linkage request information including at least one of the customer information, financial account information, phone number information At least one or more predetermined password and / or security card information for confirming validity of the information, and / or an OTP code generated through a predetermined one time password (OTP) generator; It is preferable to transmit to the registration server 1700.

According to an embodiment of the present invention, the information registration terminal 1770 may include at least one encryption method (eg, symmetric key-based encryption) for account linkage application information including at least one of the customer information, financial account information, and phone number information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.), and / or attach a predetermined electronic signature to the account interworking application information. The information registration server 1700 is preferably transmitted to the information registration server 1700 through the network means. For this purpose, the information registration terminal 1770 may include at least one encryption key corresponding to the encryption scheme, and / or at least one or more encryption keys. Have a predetermined public certificate containing an encryption key, and / or the public certificate has a predetermined IC chip (or IC car) ) Is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card) provided in the.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption methods for encrypting the account linking application information, and the technical characteristics of attaching a predetermined electronic signature to the account linking application information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 17, when the information linking request information transmitted from the information registering terminal 1770 is received through the information receiving unit 1715, the information registration server 1700 receives the received account linking request information. Characterized in that it comprises a validity check unit 1720 for checking whether the merchant satisfies the validity for interworking with the online account issued through the carrier.

According to an embodiment of the present invention, the account interworking application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption scheme, the validity verification unit 1720 may determine the encrypted account linkage application information by using at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or) corresponding to the encryption scheme. Public key-based decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption.

Alternatively, when a predetermined electronic signature is attached to the account linking application information, the validity checking unit 1720 checks the digital signature attached to the account linking application information, thereby validating the validity of the received account linking application information. It is desirable to authenticate.

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

When the account linking application information received through the information receiving unit 1715 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the account linking application information, the validity checking unit 1720 compares and authenticates the password included in the account linking application information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received account linking application information.

Alternatively, when the account linking application information received through the information receiving unit 1715 further includes predetermined security card information for checking the validity of the account linking application information, the validity checking unit 1720 may determine the validity of the account linking application information. It is preferable to authenticate the validity of the received account linking application information by comparing and authenticating the received security card information included in the account linking application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the account linking application information received through the information receiving unit 1715 further includes a predetermined OTP code for checking the validity of the account linking application information, the validity checking unit 1720 may determine the account. By comparing and authenticating the received OTP code included in the linkage application information and the OTP code generated based on the predetermined OTP generation information provided in correspondence with the customer on the DBMS, the validity of the received account linkage application information is verified. It is desirable to authenticate.

According to an embodiment of the present invention, the validity check of the account linking application information is at least one matching the account linking application information to the ledger D / B (1800) on the financial system associated with the account linking application information registration system It is preferable to include checking whether the above ledger information is registered.

For example, the validity verification unit 1720 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the account linking application information is linked to the account linking application information registration system. It is preferable to include checking whether the / B 1800 matches the customer ledger.

In addition, the validation of the account linking application information is the information contained in the account linking application information, the financial account information of the customer ledger D / B (1800) on the financial system linked to the account linking application information registration system It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the account linking application information is the information contained in the account linking application information, the telephone number information of the customer in the ledger D / B on the financial system linked to the online account registration system shown in Figure 1 It is preferable to include checking whether the match with the online ledger stored in (1800).

Referring to FIG. 17, when the validity of the account linkage request information is authenticated through the validity checker 1720, the information registration server 1700 includes a predetermined account linkage request including the received account linkage request information. An electronic document generation unit 1725 for generating an electronic document, and an electronic document transmission unit 1730 for transmitting the generated account interworking application electronic document to an electronic document repository associated with the account interworking application information registration system. It is characterized by.

The electronic document generating unit 1725 generates an account interworking request electronic document including the account interworking application information received from the information registration terminal 1770 through the information receiving unit 1715.

According to an embodiment of the present invention, the electronic document generation unit 1725 includes at least one of customer information, financial account information, and phone number information included in the account linkage application information received through the information receiving unit 1715. Generating a document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the document content; Or a web document file including an MHT) is preferably processed as an electronic document linking application for linking with an online account issued through a telecommunication company for the merchant.

Alternatively, the electronic document generator 1725 generates document content including at least one of customer information, financial account information, and phone number information included in the account linkage application information received through the information receiver 1715, A document including document content including the watermarking after including at least one of customer information, financial account information, and telephone number information included in the account linking application information in the document content in a watermarking manner; The merchant may include a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to process the account linkage application electronic document for linkage with the online account issued through the telecommunications company.

Alternatively, the electronic document generator 1725 generates document content including at least one of customer information, financial account information, and phone number information included in the account linkage application information received through the information receiver 1715, An account for interworking with an online account issued through a telecommunication company for the affiliated store with an image file including image content captured by the document content (eg, image content generated by capturing the document content on a memory). It is desirable to process the interworking application electronic document.

Alternatively, the electronic document generator 1725 generates document content including at least one of customer information, financial account information, and phone number information included in the account linkage application information received through the information receiver 1715, At least one of customer information, financial account information, and phone number information included in the account linkage application information in the image content (eg, the image content generated by capturing the document content on a memory) which captured the document content. After the information is included in a watermarking method, an image file including the image content including the watermarking is processed as an electronic document linking application electronic document for interworking with an online account issued through a telecommunication company for the merchant. It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1725 includes at least one of customer information, financial account information, and phone number information included in the account linkage application information received through the information receiving unit 1715. A predetermined document file (for example, PDF (Portable Document Format)) is generated that includes document content including an image content and includes image content (eg, image content generated by capturing the document content on a memory). ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to be issued through a communication company to the affiliated store. It is preferable to process the electronic document for linking the account for linking with the online account.

Alternatively, the electronic document generator 1725 generates document content including at least one of customer information, financial account information, and phone number information included in the account linkage application information received through the information receiver 1715, At least one of customer information, financial account information, and phone number information included in the account linkage application information in the image content (eg, the image content generated by capturing the document content on a memory) which captured the document content. Generating image contents including information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking, Or a word processor file including at least one HWP / DOC, or a web document file including MHT). As such, it is preferable to process the account linkage application electronic document for linkage with the online account issued through the telecommunication company for the merchant.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1725 includes at least one of customer information, financial account information, and phone number information included in the account linkage application information received through the information receiving unit 1715. A predetermined document file including document content including the above-described document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the account linkage application information ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), It is desirable to process the account linkage application electronic document for linkage with the online account issued through the telecommunication company.

Alternatively, the electronic document generator 1725 generates document content including at least one of customer information, financial account information, and phone number information included in the account linkage application information received through the information receiver 1715, At least one of customer information, financial account information, and phone number information included in the account linkage application information in the image content (eg, the image content generated by capturing the document content on a memory) which captured the document content. Generate image content including information by a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file or an EDI (Portable Document Format) file) including the watermarking image content and the account linkage application information. Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or the like, or including an MHT By creating a document file, etc.), it is preferable to handle the account linked to the application for the issuance of electronic documents online accounts and works through the agency targeted the merchants.

In the technical field to which the present invention pertains, the electronic document generating unit 1725 generates an electronic file for linking an account in an image file format and / or a predetermined document file format, and the account. Since the technical features of the file format for the image file and / or document file corresponding to the interworking application electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1730 transmits and stores the electronic document interworking request electronic document generated by the electronic document generating unit 1725 to a predetermined electronic document repository associated with the account interworking application information registration system. It is done.

As shown in FIG. 17, the electronic document repository is connected to the information registration server 1700 on the account interworking application information registration system through a predetermined communication means and the electronic document server 1740 and the electronic document D / B. 1760, the electronic document transmission unit 1730 is configured to transmit the account interworking request electronic document generated by the electronic document generation unit 1725 via the communication means to the electronic document server (1760). 1740).

Here, when the electronic document server 1740 and the electronic document D / B 1760 is provided outside the account linkage application information registration system, the electronic document server 1740 and the electronic document D / B 1760 ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the account linkage application information registration system, the electronic document transmitting unit 1730 is generated by the electronic document generating unit 1725. It is possible to store the electronic document D / B (1760) corresponding to the electronic document storage on the DBMS provided in the account link application information registration system, the present invention is not limited by this. .

According to the exemplary embodiment of the present invention, the electronic document transmission unit 1730 is configured to input electronic document related information (for example, the account linkage application information) for generating predetermined electronic document management information in the electronic document server 1740 ( The customer information, and / or financial institution information for transmitting the account interworking request electronic document, and / or electronic document file format information, and / or the account interworking application information). It is possible to transmit to the storage, by which the present invention is not limited.

Referring to FIG. 17, the information registration server 1700 is an online account in which account interworking application information received through the information receiving unit 1715 is issued through a communication company to the affiliated store through the validity checking unit 1720. When the validity for interworking with the authentication is authenticated, the information storage unit for linking the customer information, financial account information, phone number information included in the validity of the account linkage application information is stored in a predetermined storage medium 1765 ( 1735).

When the validity of the account linking application information is confirmed by the validity confirming unit 1720, the information storage unit 1735 processes the customer information, the financial account information, and the phone number information included in the account linking application information. When the storage medium 1765 is provided in the information registration server 1700 or on the network associated with the information registration server 1700, the storage medium 1765 is stored in the storage medium 1765. The information storage unit 1735 preferably processes the customer information, the financial account information, and the phone number information included in the received account interworking application information and stores the information in the storage medium 1765, and the storage medium 1765. ) Is provided in the DBMS provided on the financial system, the information storage unit 1735 is the customer information, financial account information, telephone number information included in the received account linkage application information when the financial To step through the available information on the FEP system and is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 17, a predetermined account linkage request electronic document is received from the information registration server 1700 provided on the account linkage application information registration system, and stored and managed in a predetermined electronic document D / B 1760. The electronic document server 1740, the electronic document receiving unit 1745 for receiving a predetermined account interworking request electronic document from the information registration server 1700 through a predetermined communication means and the received account interworking request electronic document An information generation unit 1750 for generating predetermined electronic document management information for storage and management in the electronic document D / B 1760, and the electronic document management information and the account interworking application electronic document in a predetermined manner. And an electronic document storage unit 1755 for storing in the document D / B 1760.

The electronic document receiving unit 1745 may receive an account interworking request electronic document in the form of an image file and / or a document file from the information registration server 1700 through the communication means.

According to an embodiment of the present invention, the account interworking request electronic document received by the electronic document receiving unit 1745 through the communication means is linked to the account received by the information registration server 1700 from the information registration terminal 1770. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document contents including at least one of customer information, financial account information, and telephone number information included in the application information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the account interworking request electronic document received by the electronic document receiving unit 1745 through the communication means is customer information included in the account interlocking application information received by the information registration server 1700 from the information registration terminal 1770. And at least one or more of the customer information, the financial account information, and the phone number information included in the account linkage application information in the document content including at least one financial account information and phone number information in a watermarking manner. A word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including document content including the watermarking; Or a web document file including the MHT).

Alternatively, the account interworking request electronic document received by the electronic document receiving unit 1745 through the communication means is customer information included in the account interlocking application information received by the information registration server 1700 from the information registration terminal 1770. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more financial account information and phone number information. desirable.

Alternatively, the account interworking request electronic document received by the electronic document receiving unit 1745 through the communication means is customer information included in the account interlocking application information received by the information registration server 1700 from the information registration terminal 1770. Customer included in the account linkage application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of financial account information and phone number information. Preferably, at least one of information, financial account information, and telephone number information is included in a watermarking method, and then an image file including image content including the watermarking is included.

According to another embodiment of the present invention, the account interworking request electronic document received by the electronic document receiving unit 1745 through the communication means is an account received by the information registration server 1700 from the information registration terminal 1770 Image content captured (e.g., image content generated by capturing the document content on a memory) including document content including at least one of customer information, financial account information, and phone number information included in the linkage application information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the account interworking request electronic document received by the electronic document receiving unit 1745 through the communication means is customer information included in the account interlocking application information received by the information registration server 1700 from the information registration terminal 1770. Customer included in the account linkage application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of financial account information and phone number information. Generating image content including at least one of information, financial account information, and telephone number information by a watermarking method, and including a document file (eg, a PDF (Portable Document) including the image content including the watermarking; A word processor including at least one of a Format file, an EDI file, or an HWP / DOC file. It is preferred which comprises a web page file, and so on) containing the file, or MHT.

According to another exemplary embodiment of the present invention, the account interworking request electronic document received by the electronic document receiving unit 1745 through the communication means is received by the information registration server 1700 from the information registration terminal 1770. Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of customer information, financial account information, and phone number information included in the account linkage application information; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the account interworking application information, or an MHT; Web document files, etc.) to be included.

Alternatively, the account interworking request electronic document received by the electronic document receiving unit 1745 through the communication means is customer information included in the account interlocking application information received by the information registration server 1700 from the information registration terminal 1770. Customer included in the account linkage application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of financial account information and phone number information. A document file including image information including at least one of information, financial account information, and telephone number information by a watermarking method, the image file including the watermarking and the account linking application information; (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or at least one HWP / DOC). It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

The information generating unit 1750 is a predetermined electronic document unique number (or unique information) to be assigned to the account interworking request electronic document received through the electronic document receiving unit 1745, and through the electronic document receiving unit 1745 And generating electronic document management information including electronic document storage date and time information including a date and time at which the account linking application electronic document was received (or a date and time at which the account linking application electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 1750 refers to the information registration server 1700 which transmitted the account interworking request electronic document received through the electronic document receiving unit 1745 and the account interworking application. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 1700 through the electronic document receiving unit 1745, the information generating unit 1750 may receive the received information. Electronic document related information (for example, customer information transmitted by inputting (selecting) the account interworking application information, and / or financial institution information transmitting the account interworking application electronic document, and / or electronic document file format information, and And / or the account linkage application information).

The electronic document storage unit 1755 associates the account interworking request electronic document received through the electronic document receiving unit 1745 with the electronic document management information generated through the information generating unit 1750 to process a predetermined electronic document D. / B 1760, characterized in that the storage.

According to an embodiment of the present invention, the account registration request electronic document stored in the electronic document D / B 1760 by the electronic document storage unit 1755 is the information registration server 1700 the information registration terminal 1770 A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including document content including at least one of customer information, financial account information, and phone number information included in the account interworking application information received from Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the account linkage request electronic document stored in the electronic document D / B 1760 by the electronic document storage unit 1755 may be an account linkage request received by the information registration server 1700 from the information registration terminal 1770. Watermarking at least one or more of customer information, financial account information, and telephone number information included in the account linkage application information into document content including at least one of customer information, financial account information, and phone number information included in the information. After a watermarking method, at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing the document content including the watermarking is included. A word processor file, or a web document file including MHT).

Alternatively, the account linkage request electronic document stored in the electronic document D / B 1760 by the electronic document storage unit 1755 may be an account linkage request received by the information registration server 1700 from the information registration terminal 1770. An image including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial account information, and phone number information included in the information. It is preferable to include a file.

Alternatively, the account linkage request electronic document stored in the electronic document D / B 1760 by the electronic document storage unit 1755 may be an account linkage request received by the information registration server 1700 from the information registration terminal 1770. Linking the account to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial account information, and phone number information included in the information. After including at least one or more information of the customer information, financial account information, telephone number information included in the application information by watermarking (Watermarking) method, it is preferably made to include an image file including the image content including the watermarking Do.

According to another embodiment of the present invention, the account registration request electronic document that the electronic document storage unit 1755 stores in the electronic document D / B 1760 is the information registration server 1700 is the information registration terminal ( Image content that captures document content including at least one of customer information, financial account information, and phone number information included in the account interworking application information received from 1770 (eg, the document content is generated by capturing it on a memory). A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including an image content, or an MHT Web document files, etc.).

Alternatively, the account linkage request electronic document stored in the electronic document D / B 1760 by the electronic document storage unit 1755 may be an account linkage request received by the information registration server 1700 from the information registration terminal 1770. Linking the account to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial account information, and phone number information included in the information. A document file including image information including at least one of customer information, financial account information, and telephone number information included in the application information by watermarking, and including the watermarking; For example, WordPro including at least one Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, or HWP / DOC. And a document file or a web document file including MHT).

According to another embodiment of the present invention, the account registration request electronic document stored in the electronic document D / B 1760 by the electronic document storage unit 1755 is the information registration server 1700 the information registration terminal Image content (eg, capturing the document content on the memory by capturing document content including at least one of customer information, financial account information, and phone number information included in the account linkage application information received from 1770). A word including at least one predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content and the account linking application information; Processor file, or a web document file including MHT).

Alternatively, the account linkage request electronic document stored in the electronic document D / B 1760 by the electronic document storage unit 1755 may be an account linkage request received by the information registration server 1700 from the information registration terminal 1770. Linking the account to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial account information, and phone number information included in the information. Generate image content including at least one or more of customer information, financial account information, and phone number information included in the application information by a watermarking method, and the image content including the watermarking and the account linkage application information. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) file including Or a web document file including the MHT or the like.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1760 by the electronic document storage unit 1755 in association with the electronic document interlocking request electronic document is stored in the electronic document interlocking request electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1760 by the electronic document storage unit 1755 in association with the electronic document interworking request electronic document is applied to the account interworking application. The information registration server 1700 which has transmitted the electronic document preferably further comprises information on the financial institution that has transmitted the electronic document linked to the application confirmation.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 1700, the electronic document storage unit 1755 processes the link with the account interworking request electronic document and the The electronic document management information stored in the electronic document D / B 1760 may include the received electronic document related information (eg, customer information transmitted by inputting (selecting) the account linkage request information, and / or the account linkage request). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the account linkage application information).

18 is an account interworking application information stored in the ledger D / B (1800) provided in the DBMS on the financial system in a non-face-to-face for interworking with an online account issued through a telecommunication company for the merchant in accordance with an embodiment of the present invention It is a figure which shows a structure.

In more detail, in FIG. 18, when the storage medium 1765 shown in FIG. 17 is the ledger D / B 1800 provided in the DBMS on the financial system, the ledger information included in the ledger D / B 1800 is used. As the information structure for an implementation method in which the account linking application information including the customer information, the financial account information, and the phone number information is stored, the person having ordinary knowledge in the technical field to which the present invention belongs, 18 may be inferred from various information construction methods for storing the account linkage application information in the ledger D / B 1800 by referring to and / or modifying the present invention, but the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 18 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1800 provided in the DBMS on the financial system is a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 1800 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 18, the account linkage application information provided through the account linkage application information registration system shown in FIG. 17 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one information, financial account information, telephone number information.

The financial account information includes at least an account number, an account alias, an account name, an account holder, and the like of an actual account of the customer to be linked with the online account issued to the customer through the online account registration system shown in FIG. It is preferable to include one or more.

Preferably, the phone number information includes phone number information of an online account issued to the customer through the online account registration system shown in FIG.

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

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

19 is a database linked to the ledger D / B 1800 provided in the DBMS on the financial system in a non-face-to-face manner for interworking with an online account issued through a telecommunication company for a merchant in accordance with another embodiment of the present invention. FIG. Is a diagram illustrating the structure of stored account linkage application information.

More specifically, FIG. 19 shows an information structure for an implementation method in which the storage medium 1765 shown in FIG. 17 is stored in a predetermined database linked to the ledger D / B 1800 included in a DBMS on a financial system. As shown in the drawings, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to link the account linkage application information to the ledger D / B 1800 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 19, when it is not easy to store the account linkage application information in the ledger information of the ledger D / B 1800 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B 1800 or the system expansion is not easy due to the characteristics of the financial system), the account interworking application information is stored in a predetermined database instead of the ledger D / B 1800. FIG. 1 illustrates an implementation method of linking and storing the database and the ledger D / B 1800.

In addition, the database shown in FIG. 19 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. It may be configured in the form of a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 19, the database is characterized in that the customer information, financial account information, the phone number information included in the account linking application information linked processing and stored, the account linking application information is the ledger D / B ( It is preferable that the CIF number corresponding to the ledger information is further included in the account linkage application information to be linked to the 1800.

The financial account information includes at least an account number, an account alias, an account name, an account holder, and the like of an actual account of the customer to be linked with the online account issued to the customer through the online account registration system shown in FIG. It is preferable to include one or more.

Preferably, the phone number information includes phone number information of an online account issued to the customer through the online account registration system shown in FIG.

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

20 is a view showing the configuration of the account interworking application information stored in the DBMS provided in the banking server in a non-face-to-face for interworking with the online account issued through the telecommunications company for the merchant in accordance with another embodiment of the present invention .

More specifically, in Figure 20, the storage medium 1765 shown in Figure 17 is a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modified in this drawing 20 It is possible to infer the information configuration method for the account interworking application information stored in a predetermined DBMS, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 20, a predetermined DBMS provided in the banking server may store and store customer information, financial account information, and phone number information included in the account linkage application information.

The financial account information includes at least an account number, an account alias, an account name, an account holder, and the like of an actual account of the customer to be linked with the online account issued to the customer through the online account registration system shown in FIG. It is preferable to include one or more.

Preferably, the phone number information includes phone number information of an online account issued to the customer through the online account registration system shown in FIG.

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

21A and 21B illustrate a process of registering account interworking application information in a non-face-to-face manner for interworking with an online account issued through a telecommunication company for a merchant in accordance with one embodiment of the present invention.

In more detail, in FIG. 21A and FIG. 21B, the information registration terminal 1770 on the account linkage application information registration system shown in FIG. 17 is a client terminal, and the information registration server 1700 is a client terminal through a predetermined network means. In the case of having a web server function which is accessible, at least a predetermined customer can acquire customer information, financial account information, and telephone number information through the client terminal for interworking with an online account issued through a communication company for the affiliated store. When providing the account linking application information including one or more, the account linking application information registration system generates a predetermined account linking application electronic document including the provided account linking application information and store in a predetermined electronic document storage, the account Open the above customer information, financial account information, and phone number information included in the linkage application information. The present invention relates to a method of processing and storing the same in a predetermined storage medium 1765. Those skilled in the art may refer to and / or modify the drawings 21a and 21b in the client terminal. Various implementation methods for registering the account linking application information with the information registration server 1700 may be inferred, but the present invention includes all the implementation methods inferred, and the implementation methods shown in FIGS. 21A and 21B. It is not limited to.

For example, in the implementation method illustrated in FIGS. 21A and 21B, a user interface through which the client terminal inputs (or selects) the account linkage request information is provided through a predetermined web page provided by the information registration server 1700. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 1700, and the present invention is not limited thereto.

Hereinafter, in FIG. 21A and FIG. 21B, the client terminal shown in FIG. 17 is called "terminal" for convenience, and the information registration server 1700 shown in FIG. 17 is called "server" for convenience, and in the client terminal The customer information, the financial account information, and the phone number information transmitted to the information registration server 1700 are referred to as "account interworking application information" for convenience.

21A and 21B, when the client terminal illustrated in FIG. 17 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Accessing the server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN) to connect a predetermined communication channel, When requesting a web page including a user interface for interworking with an online account issued through a communication company (2100), the server correspondingly includes at least one of the customer information, financial account information, telephone number information Generate (or add) a web page including a user interface for inputting (or selecting) account interworking application information to be transmitted to the server; 2105, a web page including the generated (or extracted) user interface is transmitted to the terminal through the network means and output (2110).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the account linkage application information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) account linkage application information including at least one or more customer information, financial account information, and phone number information through a user interface included in the web page (2115).

If the terminal inputs (or selects) account linkage application information including the customer information, financial account information, and phone number information through the user interface (2120), the terminal inputs (or The selected customer information, financial account information, and phone number information are transmitted to the server (2125).

According to an embodiment of the present invention, the terminal is predetermined to verify the validity of the account linking application information in the server to the account linking application information including at least one of the customer information, financial account information, telephone number information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method, and / or account linked application information including at least one of the customer information, financial account information, and phone number information). Public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and / or attach a predetermined electronic signature to the account interworking application information through the network means. It is preferable to transmit to the server, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / Or when the authorized certificate is provided in a predetermined IC chip (or IC card), It is preferable that a card reader for confirming the provided public certificate is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method, and / or account linked application information including at least one of the customer information, financial account information, and phone number information). Public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the encrypted data to the server through the network means. Either with at least one encryption key corresponding to, and / or with a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a predetermined IC chip (or IC card). In this case, a card reader for checking an official certificate provided in the IC chip (or IC card) is provided. Preferable.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption methods for encrypting the account linking application information, and the technical characteristics of attaching a predetermined electronic signature to the account linking application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the financial account information, and the phone number information through the communication channel to check the validity of the account linkage application information (2130).

According to an embodiment of the present invention, the account interworking application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption method, the server converts the encrypted account interworking application information into at least one decryption method (eg, symmetric key based decryption method and / or public key based decryption method) corresponding to the encryption method. Method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received account interworking application information.

Alternatively, when a predetermined electronic signature is attached to the account linking application information, the server may verify the validity of the received account linking application information by checking the electronic signature attached to the account linking application information. .

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

According to an embodiment of the present invention, when the account linkage request information received through the information receiving unit 1715 further includes a predetermined password for checking the validity of the account linkage request information, the server may link the account. It is preferable to authenticate the validity of the received account interworking application information by comparing and authenticating the password included in the application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the account linking application information received through the information receiving unit 1715 further includes predetermined security card information for checking the validity of the account linking application information, the server may attach the account linking application information to the account linking application information. By comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received account interworking application information.

Alternatively, when the account linking application information received through the information receiving unit 1715 further includes a predetermined OTP code for checking the validity of the account linking application information, the server is included in the account linking application information. It is preferable to authenticate the validity of the received account interworking application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity check of the account linking application information is at least one or more matching the account linking application information to the ledger D / B 1800 on the financial system linked to the account linking application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 1720 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the account linking application information is linked to the account linking application information registration system. It is preferable to include checking whether the / B 1800 matches the customer ledger.

In addition, the validation of the account linking application information is the information contained in the account linking application information, the financial account information of the customer ledger D / B (1800) on the financial system linked to the account linking application information registration system It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the account linking application information is the information contained in the account linking application information, the telephone number information of the customer in the ledger D / B on the financial system linked to the online account registration system shown in Figure 1 It is preferable to include checking whether the match with the online ledger stored in (1800).

If the validity of the account linking application information is not authenticated (2135), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2140), corresponding to the account linking application information. Do not perform the information registration procedure.

On the other hand, if the validity of the account linking application information is authenticated (2135), the server generates a predetermined document content including at least one or more customer information, financial account information, telephone number information including the account linking application information and In operation 2150, a predetermined account interworking application electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and includes the document content. The merchant stores a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the account linking application electronic document for linking with the online account issued through the telecommunications company.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and the customer included in the account linking application information in the document content. A document file (eg, a Portable Document Format (PDF) file) including document content including the watermarking after including at least one of information, financial account information, and telephone number information by a watermarking method, or An EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) for interworking with an online account issued through a telecommunication company for the merchant. It is preferable to process the account link application electronic document.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the image content (eg, capturing the document content). It is preferable to process an image file including an image content generated by capturing the document content on a memory as an account interworking application electronic document for interworking with an online account issued through a telecommunication company.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the image content (eg, capturing the document content). And at least one or more of customer information, financial account information, and phone number information included in the account linkage application information in a watermarking method. It is preferable to process an image file including the image content including watermarking as an account interworking application electronic document for interworking with an online account issued through a telecommunication company for the merchant.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linkage application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing captured image content (e.g., image content generated by capturing the document content on a memory), or By generating a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby creating an account linkage application electronic document for interworking with an online account issued through a telecommunication company. It is preferable to process.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the image content (eg, capturing the document content). Image contents including at least one of customer information, financial account information, and telephone number information included in the account linking application information in a watermarking method. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the image content including the watermarking. File, or a web document file including MHT), To the account linked to the issuance of an online account and linked it is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account interworking application information, and the document content is generated. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (e.g., a document file) including captured image content (e.g., image content generated by capturing the document content on a memory)) and the account linkage application information. Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby interworking with an online account issued through a telecommunication company for the merchant. It is preferable to process the account linkage application electronic document.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the image content (eg, capturing the document content). Image contents including at least one of customer information, financial account information, and telephone number information included in the account linking application information in a watermarking method. A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the watermarking image content and the account linkage application information. By generating one or more word processing files or web document files including MHT, For blind spots, it is desirable to process the account linkage application electronic document for linkage with the online account issued through the telecommunications company.

If the person skilled in the art to which the present invention pertains, the technical feature that the server generates an account interworking request electronic document in the image file format and / or a predetermined document file format, and correspond to the account interlocking application electronic document The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account interworking request electronic document in a predetermined electronic document storage (2155).

As shown in FIG. 17, the electronic document repository includes a predetermined electronic document server 1740 and an electronic document D / B 1760 linked to a server on the account linkage application information registration system through predetermined communication means. In the case of being provided outside, the server preferably transmits the generated account interworking request electronic document to the electronic document server 1740 through the communication means and stores the electronic document server 1740 in the electronic document D / B 1760. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the account linking application information registration system, the server may send the generated account linking application electronic document on the DBMS provided in the account linking application information registration system. It is possible to store in the electronic document D / B 1760 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the electronic document interlocking request electronic document in the electronic document storage is performed by linking the generated electronic document interlocking application electronic document and predetermined electronic document management information to the electronic illustrated in FIG. 17. It is preferable to include storing in document D / B 1760.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic document linking application.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the account linking application information, and / or financial institution information transmitting the account linking application electronic document, and And / or the electronic document file format information, and / or the account linkage application information).

If the account linking request electronic document is stored in the electronic document storage (2160), the server is linked to the customer information, financial account information, telephone number information included in the account linking application information by a predetermined storage medium ( 1765), the information registration history information (e.g., the history of storing the account linkage request electronic document in the electronic document storage, and / or the account linkage request information to the storage medium 1765) Stored details) are generated (or extracted) and transmitted to the terminal (2170).

According to one embodiment of the invention, the storage medium 1765 is preferably provided in a DBMS on a financial system provided on the account linking application information registration system (or associated with the account linking application information registration system), In this case, the storage medium 1765 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1800. The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1765 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the account linkage registration information registration system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

22A, 22B, and 22C illustrate a process of registering account linking application information through a non-face-to-face financial transaction channel for interworking with an online account issued through a telecommunication company for a merchant in accordance with one embodiment of the present invention. Drawing.

More specifically, FIGS. 22A, 22B, and 22C illustrate a case in which the account linkage application information registration system shown in FIG. 17 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, the account shown in FIG. 17). In the case where the information registration server 1700 on the interworking application information registration system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet, etc.) and a predetermined customer. After performing the authentication procedure, if the client terminal transmits predetermined account linking application information for interworking with an online account issued through a telecommunication company to the internet banking server, the received account from the internet banking server. Generate a predetermined account interlocking application electronic document including the linking application information and send it to the predetermined electronic document archive. In addition, the present invention relates to an implementation method of linking and processing the customer information, the financial account information, and the phone number information included in the account linkage application information in a predetermined storage medium 1765, which is common in the art. Those skilled in the art will be able to infer various implementation methods for registering the account linkage application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 22a, 22b, and 22c. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figs. 22A, 22B, and 22C.

That is, 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. 22A, 22B, and 22C, Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the account linkage application information between the client terminal and the Internet banking server based on the browser program is shown, the person having ordinary knowledge in the technical field to which the present invention belongs. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 22a, 22b, and 22c. And internet banking standing Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering account linkage application information between the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The present invention is not limited by this.

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 Figure 22a, 22b and 22c, In another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system, an implementation method of linking a non-face-to-face channel-based financial transaction channel for registering account linkage application information may be inferred. The present invention includes all types of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 22A, 22B and 22C.

In the following figures 22a, 22b and 22c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1700 is referred to as " server "

22A, 22B, and 22C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2200a), the server connects the terminal and the server through the browser. (2205a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2210a).

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 (2215a), the server installs the latest version of the Internet banking security module into the terminal according to a remote program installation procedure defined in the browser program. It is transmitted and mounted and / or updated (2220a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (2225a), or if the terminal does not need to install and / or update the security module for internet banking (2215a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the Internet banking security channel (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2230a), where the security for the 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, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided from the terminal to the server for registration of account linking application 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 A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for registration of account interworking application information. 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 at the server 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 (2235a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (2240a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (2245a).

If the Internet banking customer authentication fails (2250a), the server blocks the Internet banking secure channel for the terminal (2255a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2250a), 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 (2260a), where the Internet banking based The financial transaction channel refers to a communication channel for registering and transmitting predetermined account linking application information for linking with an online account issued through a telecommunication company to the server from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for interworking with an online account issued through a telecommunication company to the server through the internet banking-based financial transaction channel (2200b), the terminal responds to the request. The server generates (or extracts) a web page including a user interface for inputting (or selecting) account linkage application information including at least one of the customer information, financial account information, and phone number information to be transmitted to the server. 2205b, a web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (2210b).

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) account linkage application information including at least one of customer information, financial account information, and phone number information. And / or print predetermined password and / or security card information (e.g., a security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the account linkage application information. Security card information) and / or one time password (e.g., one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include a user interface for inputting a).

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the account linking application information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) account interworking application information including at least one of the customer information, financial account information, and phone number information through the information registration interface (2215b).

If the terminal inputs (or selects) the account linkage application information including the customer information, the financial account information, and the phone number information through the user interface (2220b), the terminal receives the input through the financial transaction channel ( Or) transmits the selected account interworking application information to the server (2225b).

According to an embodiment of the present invention, the terminal is predetermined to verify the validity of the account linking application information in the server to the account linking application information including at least one of the customer information, financial account information, telephone number information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one or more encryption methods (eg, symmetric key-based encryption methods, and / or account linkage application information including at least one of the customer information, financial account information, and phone number information). Or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method), and / or attach a predetermined electronic signature to the account linkage application information. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, and / Or the IC certificate (or IC card) when the certificate is provided on a predetermined IC chip (or IC card) It is preferable that a card reader for confirming the provided public certificate is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method, and / or account linked application information including at least one of the customer information, financial account information, and phone number information). Public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and transmit the data to the server through the network means. Either with at least one encryption key corresponding to, and / or with a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a predetermined IC chip (or IC card). In this case, it is desirable that a card reader is provided for checking an official certificate provided in the IC chip (or IC card). It is right.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption methods for encrypting the account linking application information, and the technical characteristics of attaching a predetermined electronic signature to the account linking application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the account linkage application information through the financial transaction channel to check the validity of the account linkage application information (2230b).

According to an embodiment of the present invention, the account interworking application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption method, the server converts the encrypted account interworking application information into at least one decryption method (eg, a symmetric key based decryption method and / or a public key based decryption method) corresponding to the encryption method. , And / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc., it is preferable to authenticate the validity of the received account linkage application information.

Alternatively, when a predetermined electronic signature is attached to the account linking application information, the server verifies the validity of the received account linking application information by checking the electronic signature attached to the account linking application information. Do.

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

According to an embodiment of the present invention, when the account linkage request information received through the information receiving unit 1715 further includes a predetermined password for checking the validity of the account linkage request information, the server may link the account. It is preferable to authenticate the validity of the received account interworking application information by comparing and authenticating the password included in the application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the account linking application information received through the information receiving unit 1715 further includes predetermined security card information for checking the validity of the account linking application information, the server may attach the account linking application information to the account linking application information. By comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received account interworking application information.

Alternatively, when the account linking application information received through the information receiving unit 1715 further includes a predetermined OTP code for checking the validity of the account linking application information, the server is included in the account linking application information. It is preferable to authenticate the validity of the received account interworking application information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity check of the account linking application information is at least one or more matching the account linking application information to the ledger D / B 1800 on the financial system linked to the account linking application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 1720 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the account linking application information is linked to the account linking application information registration system. It is preferable to include checking whether the / B 1800 matches the customer ledger.

In addition, the validity confirmation of the account linking application information is the information contained in the account linking application information, the customer's financial account information in the ledger D / B (1800) on the financial system linked to the account linking application information registration system It is desirable to include a check that matches the customer ledger stored in).

In addition, the validity confirmation of the account linking application information is the information contained in the account linking application information, the telephone number information of the customer in the ledger D / B on the financial system linked to the online account registration system shown in Figure 1 It is preferable to include checking whether the match with the online ledger stored in (1800).

If the validity of the account linking application information is not authenticated (2235b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2240b) and corresponds to the account linking application information. Do not perform the information registration procedure.

On the other hand, if the validity of the account linking application information is authenticated (2235b), the server generates a predetermined document content including at least one or more customer information, financial account information, phone number information including the account linking application information and 2250b, a predetermined account linkage request electronic document including the document content is generated (2250c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linkage application information, and includes the document content. The merchant stores a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process the account linking application electronic document for linking with the online account issued through the telecommunications company.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and the customer included in the account linking application information in the document content. A document file (eg, a Portable Document Format (PDF) file) including document content including the watermarking after including at least one of information, financial account information, and telephone number information by a watermarking method, or An EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) for interworking with an online account issued through a telecommunication company for the merchant. It is preferable to process the account link application electronic document.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the image content (eg, capturing the document content). It is preferable to process an image file including an image content generated by capturing the document content on a memory as an account interworking application electronic document for interworking with an online account issued through a telecommunication company.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the image content (eg, capturing the document content). And at least one or more of customer information, financial account information, and phone number information included in the account linkage application information in a watermarking method. It is preferable to process an image file including the image content including watermarking as an account interworking application electronic document for interworking with an online account issued through a telecommunication company for the merchant.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing captured image content (e.g., image content generated by capturing the document content on a memory), or By generating a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), an electronic document linking application electronic document for interworking with an online account issued through a telecommunication company for the merchant It is preferable to treat with.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the image content (eg, capturing the document content). Image contents including at least one of customer information, financial account information, and telephone number information included in the account linking application information in a watermarking method. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the image content including the watermarking. File, or a web document file including MHT), To the account linked to the issuance of an online account and linked it is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account interworking application information, and the document content is generated. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (e.g., a document file) including captured image content (e.g., image content generated by capturing the document content on a memory)) and the account linkage application information. Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby interworking with an online account issued through a telecommunication company for the merchant. It is preferable to process the account linkage application electronic document.

Alternatively, the server generates document content including at least one of customer information, financial account information, and phone number information included in the received account linking application information, and captures the image content (eg, capturing the document content). Image contents including at least one of customer information, financial account information, and telephone number information included in the account linking application information in a watermarking method. A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the watermarking image content and the account linkage application information. By generating one or more word processing files or web document files containing MHT, To treat the issue as a destination point through the online service provider account and linked accounts linked to apply for an electronic document is preferable.

If the person skilled in the art to which the present invention pertains, the technical feature that the server generates an account interworking request electronic document in the image file format and / or a predetermined document file format, and correspond to the account interlocking application electronic document You will be familiar with the technical features of the file format for the image file and / or document file, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated account interworking request electronic document in a predetermined electronic document storage (2255c).

As shown in FIG. 17, the electronic document repository includes a predetermined electronic document server 1740 and an electronic document D / B 1760 linked to a server on the account linkage application information registration system through predetermined communication means. In the case of being provided outside, the server preferably transmits the generated account interworking request electronic document to the electronic document server 1740 through the communication means and stores the electronic document server 1740 in the electronic document D / B 1760. .

Alternatively, when the electronic document storage is provided on a DBMS provided in the account linking application information registration system, the server may send the generated account linking application electronic document on the DBMS provided in the account linking application information registration system. It is possible to store in the electronic document D / B 1760 corresponding to the document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the electronic document interworking request electronic document in the electronic document storage, as shown in Figure 17 by integrating the generated account interlocking application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (1760).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic document linking application.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the account linking application information, and / or financial institution information transmitting the account linking application electronic document, and And / or the electronic document file format information, and / or the account linkage application information, etc.).

If the account linking request electronic document is stored in the electronic document storage (2260c), the server is linked to the customer information, financial account information, phone number information included in the account linking application information by a predetermined storage medium ( 1765) (2265c), predetermined information registration history information (e.g., the history of storing the account linkage request electronic document in the electronic document storage, and / or the account linkage request information to the storage medium 1765) Stored details) are generated (or extracted) and transmitted to the terminal (2270c).

According to one embodiment of the invention, the storage medium 1765 is preferably provided in a DBMS on a financial system provided on the account linking application information registration system (or associated with the account linking application information registration system), In this case, the storage medium 1765 may be a ledger D / B 1800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1800. The present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1765 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the account linkage registration information registration system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

23 is a diagram illustrating a financial transaction system for providing a payment service between a subscriber online account and a merchant online account according to an embodiment of the present invention.

In more detail, FIG. 23 illustrates that a predetermined customer uses a telephone to provide a payment service between the subscriber's online account and the merchant's online account through the ARS server 2300 through the ARS server 2300. When providing payment request information including at least one subscriber online account information, purchase price information, and merchant online account information, the subscriber's online account information and purchase price information included in the payment request information provided by the financial transaction system are provided. And a system for providing a financial transaction for providing a payment service between the subscriber online account and the merchant online account by using the merchant online account information, and a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to and / or modifying Figure 23, the subscriber's online account Various implementation methods for constructing a financial transaction system for providing a payment service between blind spot online accounts may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, a financial transaction for providing a payment service between the subscriber online account and the merchant online account using the payment request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 23 is provided. Components corresponding to at least one or more means and / or functional configurations are referred to as " financial transaction server 2330 " for convenience.

Referring to FIG. 23 according to an embodiment of the present invention, a financial transaction system for providing a payment service between an online subscriber account and an online merchant account includes at least one wired terminal and / or a wireless terminal used by a customer. A telephone terminal 2370 including at least one client terminal or the like, an ARS server 2300 connecting the telephone terminal 2370 to a voice call channel and providing a goods purchase service through the connected voice call channel; A financial transaction server 2330 connected to the ARS server 2300 to process a financial transaction for providing a payment service between the subscriber online account and the merchant online account and the financial account opening system shown in FIG. And a financial system 2365 in which the subscriber online account and the merchant online account are opened. It shall be.

The financial system 2365 which processes the at least one financial transaction service through the subscriber online account opened through the financial account opening system shown in FIG. At least one window terminal provided at a branch (and / or branch) and a predetermined financial network (eg, a branch network), and face to face at least one financial transaction customer through the window terminal. Financial transaction services.

In addition, the financial system 2365 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD). And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal.

In addition, the financial system 2365 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) connected to the TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet. And / or provide a non-face-to-face financial transaction service to at least one or more financial transaction customers through a laptop, the wireless LAN / portable internet connection and browsing function, and / or the like.

In addition, the financial system 2365 is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) PCS equipped with at least one wireless terminal (e.g., access and browsing function connected to the mobile communication network) connected to an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. At least one financial transaction through a Personal Communication System and / or Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics) Provide non-face-to-face financial transaction services to customers.

In addition, the financial system 2365 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) Equipped with at least one wireless terminal (e.g., a financial IC chip) connected to a mobile communication network, and / or an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. The wireless terminal provides an IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system 2365 is characterized in that it is associated with a predetermined telebanking server, and is connected to a predetermined wired voice telephone network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 2365 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 2365 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 23, the financial system 2365 is provided to a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch office information support, and a customer information management; Interconnection between the financial system 2365 and at least one other financial system 2365 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to 2365 and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 2365 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 2365, and predetermined information required for performing respective functions in components in the financial system 2365. And a DBMS (DataBase Management System) including at least one database for storing and managing (eg, ledger information, and / or customer information, and / or management information).

In addition, the financial system 2365 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 2365 and the purpose of the financial system 2365. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 2365, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 2365 may be configured by the financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account. And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational (Relationship) is stored in association with the ledger information is also shown in Figure 1 Including a financial account predetermined account ledger corresponding to the subscriber online account opening through the open system is characterized in that formed.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 2365. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The payment request information transmitted from the ARS server 2300 to the financial transaction server 2330 for providing a payment service between the subscriber online account and the merchant online account may include predetermined subscriber online account information and purchase price information. It is characterized by comprising at least one or more merchant online account information.

The subscriber online account information includes an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIG. Customer information (e.g., account holder's name, or customer's customer information file (CIF) number corresponding to the subscriber's online account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code) ), At least one or more contact information (eg, name of a contact person who opened and is in charge of the subscriber's online account, a contact person code, etc.).

The purchase price information includes a financial transaction amount settled from the subscriber online account to provide a payment service between the subscriber online account and the merchant online account, and the purchase price is deposited in the subscriber online account. It is characterized by not exceeding the remaining balance.

The merchant online account information includes an account number (or financial account alias, etc.) for the financial account of the merchant name (or merchant owner's name or manager's name) opened through the financial account opening system shown in FIG. Merchant information (eg, merchant name or Customer Information File (CIF) number corresponding to the merchant online account, etc.), financial institution information (eg, bank name, or bank code) according to the intention of the skilled person It may further include at least one branch information (eg, branch code), contact information (eg, name of the person in charge of opening and accounting the merchant online account, contact code, etc.).

According to an embodiment of the present invention, the ARS server 2300 may provide an interface unit 2305 (or an interface unit 2305) for connecting and managing a predetermined communication channel with the telephone terminal 2370 through the network means. It is characterized by comprising.

When the ARS server 2300 is a call terminal connected to a wired telephone network and / or a wireless telephone network according to an embodiment of the present invention, the interface unit 2305 is a voice call protocol defined in the wired telephone network and / or wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 2305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. To provide.

Referring to FIG. 23, the ARS server 2300 may be configured such that a predetermined telephone terminal 2370 connects a communication channel with the ARS server 2300 through the interface unit 2305 or the subscriber online via the communication channel. When requesting a payment service using an account, a predetermined guide voice comment is generated to transmit (or select) a guide voice comment for a predetermined payment request in the call terminal in connection with the interface unit 2305. (Or extract) an interface providing unit (or interface providing unit) provided to the telephone terminal 2370 is characterized in that it is made.

The interface providing unit connects a communication channel with the ARS server 2300 through the interface unit 2305 or requests a payment service using the subscriber online account through the communication unit 2305. In response to the interface unit 2305, the call terminal generates (or extracts) a predetermined voice announcement for inputting (or selecting) a voice announcement for a predetermined payment request and transmits the voice announcement to the telephone terminal ( 2370) characterized in that provided.

According to an embodiment of the present invention, when the ARS server 2300 is a call terminal connected to a wired telephone network and / or a wireless telephone network, the interface providing unit may provide a predetermined user interface (ie, a announcement) provided to the call terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal through the interface unit 2305.

Referring to FIG. 23, the ARS server 2300 connects an information receiver 2315 (or an information receiver) for receiving a voice signal or DTMF signal from the telephone terminal 2370 and the ARS server 2300. An information verification unit 2320 (or information verification means) for confirming subscriber online account information assigned to a customer or verifying merchant online account information connected through the ARS server 2300, and the confirmed subscriber online An information transmitter 2355 (or information transmission means) for transmitting account information, merchant online account information, and purchase price information for the goods (or services) purchased by the customer to the financial transaction server 2330; Characterized in that made.

After accessing the ARS server 2300 through the telephone terminal 2370, and requesting purchase of an item (or service) sold by the ARS server 2300, the information receiver 2315 is connected to the telephone terminal 2370. Receiving a purchase request for goods (or services) from).

In this case, when an item is purchased through the ARS server 2300, the ARS server 2300 provides a voice announcement through a guide for selling the item (or service), or a voice announcement via ARS voice. After providing, it is preferable to receive a purchase request for goods (or services) through the ARS server 2300.

Upon receiving the item purchase request, the information checking unit 2320 checks the telephone number of the customer in cooperation with the interface unit 2305, and then checks the subscriber online account information corresponding to the confirmed telephone number. And, the customer is characterized in that the merchant online account information for the merchant to purchase the goods (or services) and the purchase price information for the goods (or services) to be purchased by the customer.

When the subscriber online account information, the purchase price information, and the merchant online account information are confirmed through the information verification unit 2345, the information transmission unit 2355 may include at least one subscriber online account information, the purchase price information, and the merchant online account information. It is preferable to transmit the payment request information including the above to the financial transaction server (2330).

Referring to FIG. 23, the financial transaction server 2330 provides payment request information including at least one subscriber online account information, purchase price information, and merchant online account information through the user interface at the ARS server 2300. An information receiving unit receiving the payment request information including at least one of the subscriber online account information, the purchase price information, and the merchant online account information in association with the interface unit 2305 when the input (or selection) is transmitted; 2335 (or information receiving means) and a validity confirming unit 2340 (or validity checking) for checking the validity of the subscriber online account information, the purchase price information, and the merchant online account information included in the received payment request information. Means) and the payment request information with which the validity is confirmed in association with the financial system 2365. The subscriber's online account in connection with the financial transaction processing unit 2350 (or financial transaction processing means) and the financial transaction processing unit 2350 to process a financial transaction for providing a payment service between the subscriber online account and the merchant online account. Generates predetermined financial transaction result information for a financial transaction for providing payment service between merchant online accounts, and transmits the information to transmit the financial transaction result information to the ARS server 2300 in connection with the interface unit 2305. It is characterized by comprising a section (2355) (or information transmission means).

The ARS server 2300 inputs (or selects) payment request information including at least one of the subscriber online account information, the purchase price information, and the merchant online account information through the user interface, thereby providing the financial information through the network means. Characterized in that the transmission to the transaction server (2330).

The information receiving unit 2335 inputs (or selects) payment request information including at least one of subscriber online account information, purchase price information, and merchant online account information through the user interface at the ARS server 2300. When transmitting through a network means, it is characterized in that for receiving the payment request information in conjunction with the interface unit 2305, and provides the received payment request information to the validity confirmation unit 2340.

The subscriber online account information includes an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIG. Customer information (e.g., account holder's name, or customer's customer information file (CIF) number corresponding to the subscriber's online account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code) ), At least one or more contact information (eg, name of a contact person who opened and is in charge of the subscriber's online account, a contact person code, etc.).

The purchase price information includes a financial transaction amount settled from the subscriber online account to provide a payment service between the subscriber online account and the merchant online account, and the purchase price is deposited in the subscriber online account. It is characterized by not exceeding the remaining balance.

The merchant online account information includes an account number (or financial account alias, etc.) for a financial account of the merchant name (or merchant owner's name or manager's name) opened through the financial account opening system shown in FIG. Merchant information (eg, merchant name or Customer Information File (CIF) number corresponding to the merchant online account, etc.), financial institution information (eg, bank name, or bank code) according to the intention of the skilled person It may further include at least one branch information (eg, branch code), contact information (eg, name of the person in charge of opening and accounting the merchant online account, contact code, etc.).

The validity confirming unit 2340 checks whether the payment request information received from the ARS server 2300 satisfies the validity for providing a payment service between the subscriber online account and the merchant online account.

According to an embodiment of the present invention, the validity check of the payment request information may be performed by checking an account for a financial account corresponding to subscriber online account information included in the payment request information in the ledger D / B on the financial system 2365. And checking whether a ledger (or a customer ledger corresponding to the subscriber's online account) is provided, and requesting the payment if the ledger (or a customer ledger corresponding to the subscriber's online account) is provided. It is desirable that the validity of the information be authenticated.

In addition, the validity of the payment request information is the amount deposited in the subscriber online account (for example, the account ledger provided in the ledger D / B on the financial system 2365 corresponding to the subscriber online account) Preferably, the check request information includes more than the purchase price included in the payment request information. When the subscriber online account balance is greater than the purchase price, the validity of the payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 23, the payment request information is a predetermined encryption key (for example, an encryption key provided in the ARS server 2300, or an authorized certificate issued to a customer). When encrypted with the included encryption key), the validation of the payment request information decrypts the encrypted payment request information (or at least one or more financial transaction information included in the payment request information), the decryption It is preferable to include whether or not is normally performed, and if the decryption is normally performed, it is preferable that the validity of the payment request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 23, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to a customer) in the payment request information. Is attached, the validation of the payment request information confirms the electronic signature of the customer for payment request information (or at least one financial transaction information included in the payment request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the payment request information is authenticated when the electronic signature of the customer is confirmed.

In addition, the validity check of the payment request information includes the account ledger stored in the ledger D / B on the financial system 2365 associated with the financial transaction server 2330 merchant online account information included in the payment request information It is desirable to include checking that a match is found.

When the validity of the payment request information is confirmed, the financial transaction processing unit 2350 is connected to the financial system 2365 equipped with an account ledger corresponding to the subscriber online account, and the subscriber online included in the payment request information. A financial transaction for providing a payment service between the subscriber online account and the merchant online account based on account information, purchase price information and merchant online account information is characterized in that it is processed.

In addition, the financial transaction processing unit 2350 transfers the purchase price of the goods to the merchant online account through the subscriber online account, and then goes to the merchant bank account matched with the merchant online account for a certain period of time (or as soon as payment processing is performed). It is preferable to carry out the transfer process.

In this case, the financial transaction processing unit 2350, when requesting payment for the purchase price of the goods of the customer, first processes the approval process, and then performs an approval process on the approved payment in accordance with the request of the customer. It is preferable.

According to an embodiment of the present invention, the financial transaction processing unit 2350 may correspond to the purchase price information from the account ledger corresponding to the subscriber online account information included in the payment request information in connection with the financial system 2365. It is desirable to pay the amount.

According to another exemplary embodiment of the present invention, the financial transaction processing unit 2350 corresponds to the limit granted to the customer in the subscriber online account included in the payment request information in connection with the financial system 2365. After depositing the amount first, it is preferable to process the payment for the purchase price from the deposited amount, and it is preferable to process the billed use history to be summed up to the subscriber's communication cost through the telecommunication company.

According to another embodiment of the present invention, the financial transaction processing unit 2350 is linked to the financial system 2365, if a negative limit is set in the subscriber online account, the financial transaction processing unit 2350 is within the limits available in the online account. When the purchase price is included, the processing of the purchase price usage minus, the total billing of the subscriber through the telecommunications carrier, and when the subscriber deposits the negative amount, the settlement of the corresponding amount desirable.

For example, if a negative limit of 100,000 won is set in the subscriber's online account, and a pizza fee of 20,000 won and flower delivery service of 30,000 won are used, the subscriber's online account is preferably represented by -50,000, when the subscriber pays the communication fee. When depositing the negative amount 50,000 won, the subscriber's online account is treated as 0 won, and the deposit amount 50,000 won is preferably settled by depositing 20,000 won and 30,000 won respectively into the pizza merchant and flower delivery merchant. Do.

When the financial transaction for providing a payment service between the subscriber online account and the merchant online account is processed by the financial transaction processing unit 2350, the information transmission unit 2355 is connected to the financial transaction processing unit 2350 and the subscriber online. Generate a financial transaction processing history including any one of a financial transaction approval history or a financial transaction error history for a financial transaction for providing a payment service between an account and a merchant online account, and the financial unit is linked with the interface unit 2305. The financial transaction result information including the transaction processing history may be transmitted to the ARS server 2300 through the network means.

Here, the financial transaction processing history is characterized by comprising the subscriber online account information, purchase price information and the merchant online account information, and further comprises an authorization code (or error code) for the financial transaction. It features.

The financial transaction result information includes a protocol structure for transmitting the generated financial transaction processing details to the ARS server 2300 through the network means, wherein the financial transaction result information is the payment request. It is preferable that the information is encrypted similarly to the information or transmitted to the ARS server 2300 with the electronic signature of the financial institution attached.

24 is a diagram illustrating an operation process of a financial transaction system for providing a payment service between a subscriber online account and a merchant online account according to an embodiment of the present invention.

In more detail, FIG. 24 illustrates that a predetermined customer uses a telephone to provide a payment service between the subscriber online account and a merchant online account to a financial transaction system through an ARS server 2300. When providing payment request information including at least one of online account information, purchase price information, and merchant online account information, the financial transaction system includes the subscriber online account information and purchase price information included in the provided payment request information; An operation process of a system for providing a financial transaction for providing a payment service between the subscriber online account and the merchant online account by using merchant online account information, and a person having ordinary knowledge in the technical field to which the present invention belongs, Subscriber online system with reference to and / or modification to FIG. Various implementation methods for the construction of a financial transaction system for providing a payment service between an account and a merchant online account may be inferred, but the present invention includes all the implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may refer to and modify this drawing 24, and then perform an approval method after an approval process based on a payment request in the payment process. It will be inferred that the present invention is not limited thereby.

Hereinafter, in FIG. 24, the client terminal shown in FIG. 23 is referred to as "terminal" for convenience, and the financial transaction server 2330 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 24, the terminal shown in FIG. 23 accesses the ARS server 2300 through a network means, connects a communication channel, and makes a purchase for the goods (or services) being guided through the ARS server 2300. If requested (2400), the merchant online account information, subscriber online account information, purchase price information is checked (2405).

Thereafter, the ARS server 2300 transmits the confirmed subscriber online account information, purchase price information, and merchant online account information to the server through the communication channel (2410). The ARS server 2300 transmits the confirmed subscriber online account information, purchase price information, and merchant online account information to the server through the communication channel, and transmits the confirmed payment request information to the ARS server 2300. Preferably via the security module (not shown) provided in the electronic signature and / or encryption further comprising the transmission to the server.

Here, the subscriber online account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in FIG. Customer information (e.g., account holder name, customer's Customer Information File (CIF) number corresponding to the subscriber's online account, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g., Sales office code), contact information (eg, name of a contact person who opened and is in charge of opening the subscriber's online account, a contact person code, etc.).

The purchase price information includes a financial transaction amount settled from the subscriber online account to provide a payment service between the subscriber online account and the merchant online account, and the purchase price is deposited in the subscriber online account. It is characterized by not exceeding the remaining balance.

The merchant online account information includes an account number (or financial account alias, etc.) for a financial account of the merchant name (or merchant owner's name or manager's name) opened through the financial account opening system shown in FIG. Merchant information (eg, merchant name or Customer Information File (CIF) number corresponding to the merchant online account, etc.), financial institution information (eg, bank name, or bank code) according to the intention of the skilled person It may further include at least one branch information (eg, branch code), contact information (eg, name of the person in charge of opening and accounting the merchant online account, contact code, etc.).

Thereafter, the server receives and reads payment request information including at least one of the subscriber online account information, the purchase price information, and the merchant online account information through the communication channel, and confirms the validity of the payment request information. Checking the validity of the payment request information, if the payment request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the payment request information And decrypting the payment request information and / or decrypting the payment request information.

According to an embodiment of the present invention, the validity check of the payment request information may be performed by checking an account for a financial account corresponding to subscriber online account information included in the payment request information in the ledger D / B on the financial system 2365. And checking whether a ledger (or a customer ledger corresponding to the subscriber's online account) is provided, and requesting the payment if the ledger (or a customer ledger corresponding to the subscriber's online account) is provided. It is desirable that the validity of the information be authenticated.

In addition, the validity of the payment request information is the amount deposited in the subscriber online account (for example, the account ledger provided in the ledger D / B on the financial system 2365 corresponding to the subscriber online account) Preferably, the check request information includes more than the purchase price included in the payment request information. When the subscriber online account balance is greater than the purchase price, the validity of the payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. When encrypted with the included encryption key), the validation of the payment request information decrypts the encrypted payment request information (or at least one financial transaction information included in the payment request information), It is preferable to include whether the decryption is normally performed, and when the decryption is normally performed, the validity of the payment request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 23, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to a customer) in the payment request information. In this case, the validation of the payment request information confirms the electronic signature of the customer with respect to the payment request information (or at least one financial transaction information included in the payment request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the payment request information is authenticated when the electronic signature of the customer is confirmed.

In addition, the validity check of the payment request information includes the account ledger stored in the ledger D / B on the financial system 2365 associated with the financial transaction server 2330 merchant online account information included in the payment request information It is desirable to include checking that a match is found.

If the validity of the payment request information is not authenticated (2420), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (2425), and the communication channel The financial transaction result information including the financial transaction processing history is transmitted to the terminal through the terminal 2445. In response, the terminal outputs the financial transaction result including the financial transaction processing history (2450).

On the other hand, if the validity of the payment request information is authenticated (2420), the server is connected to the financial system 2365 equipped with the account ledger corresponding to the subscriber online account subscriber online account included in the payment request information Based on the information, the purchase price information and the merchant online account information, a financial transaction for providing a payment service between the subscriber online account and the merchant online account is processed (2430).

According to an embodiment of the present invention, the server processes payment for an amount corresponding to the purchase price information from an account ledger corresponding to subscriber online account information included in the payment request information in association with the financial system 2365. It is desirable to.

If a financial transaction corresponding to the payment request information is processed (2435), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (2440), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel (2445), and correspondingly, the terminal transmits the financial transaction result including the financial transaction processing history. The screen outputs (2450).

According to the present invention, when providing a connection service between the customer and the merchant through a communication company, there is an advantage that can provide a payment service further.

According to the present invention, by interlocking the merchant account number-based online account and the merchant's real account, the amount of money deposited to the merchant phone number-based online account is automatically transferred to the merchant's real account, thereby trading goods through a telecommunication company. After that, there is an advantage to receive the settlement.

According to the present invention, by receiving the goods purchase price from the customer through the telephone number-based online account, there is an advantage that can prevent damage such as mischief calls due to delivery of goods after prepayment.

Claims (4)

Receiving a request for approval of payment according to the purchase of the goods (or services) by the subscriber who calls the affiliate and requests the purchase of the goods (or services); Checking an affiliated store number based online account corresponding to the affiliated store's telephone number and a subscriber's telephone number based online account corresponding to the subscriber's telephone number; If the amount deposited in the subscriber's telephone number based online account is equal to or greater than the purchase price of the article (or services), the confirmation of the purchase price of the article (or services) of the amount deposited (or charged) in the subscriber's telephone number based online account And processing the transfer to the online merchant account based on the affiliated phone number. The payment processing method between the subscriber online account and the merchant online account is performed. The method of claim 1, The process of transferring the amount corresponding to the purchase price among the money deposited (or charged) in the subscriber's phone number based online account to the merchant phone number based online account may include: Approving the payment authorization request if the amount deposited in the subscriber's telephone number based online account is more than the purchase price; When the provision of the goods (or services) for the approved goods (or service) purchase is confirmed, transferring the purchase price from the subscriber's phone number based online account to the merchant's phone number based online account; The payment processing method between the subscriber online account and the merchant online account, characterized in that made. The method of claim 1, Approving the payment approval request may include: The payment method between the subscriber online account and the merchant online account further comprises the step of setting the withdrawal of the amount corresponding to the purchase price among the amounts deposited (or charged) in the subscriber's telephone number-based online account. . A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

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