KR20160006652A - Method for Connecting Settlement Account and Payment Means - Google Patents

Abstract

According to a method of linking a settlement account and a settlement means of the present invention, a method executed by a server that links a settlement account of a customer opened in a financial company with a settlement means to be used for settlement using the customer's mobile phone, Receives payment order connection application information for requesting connection of a settlement account of the customer name opened in a financial institution with a first payment means to be used for settlement using the customer's mobile phone from a program provided in the mobile phone of the customer, Wherein the first payment means and the second payment means are connected to each other via a communication network, And registers the payment account of the customer name with the payment means.

Description

{Method for Connecting Settlement Account and Payment Means}

The present invention provides a method executed by a server that links a payment account of a customer opened in a financial company with a payment means to be used for payment using the mobile phone of a customer, Receiving means for receiving payment method connection application information for requesting connection of a settlement account of the opened customer name with a first payment means to be used for payment using the customer's mobile phone, A first virtual number for mapping the settlement account of the customer name to the first payment means is generated at the time of validity authentication of the payment means connection application information And a method of linking a settlement account and a settlement means for mapping and registering a settlement account and a settlement means of the customer name.

As the development of the financial industry and the development of the information communication technology are mutually merged, the electronic bankbook is used for the financial service, which was previously provided by storing the passbook on the paper, and further, various financial services using various cards are provided.

However, in the case of the above-mentioned card, there is a difficult problem that the customer always needs to carry a wallet, but various tools such as a mobile phone which the customer is always carrying around are also used as a new payment means through the development of information and communication technology to be.

However, in the case of various payment means currently provided, the payment means provided by the communication company is inconvenient because the payment amount is limited, and the situation is similar to that of the other payment means, There is a difficult problem to manage.

An object of the present invention is to provide a method executed by a server that links a payment account of a customer opened in a financial company with a payment means to be used for payment using the mobile phone of a customer, A first step of receiving payment method connection application information for requesting connection of a settlement account of the customer name established in a financial company with a first payment means to be used for settlement using the customer's mobile phone; A second step of processing the settlement account connection application information so that the validity of the customer information, the settlement account information, and the first settlement means information is authenticated; and a step of mapping the settlement account of the customer name and the first settlement means And a third step of mapping the payment account of the customer name to the payment means and registering the first virtual number And to provide a method of linking my account and payment means.

A method of associating a payment account and a payment means according to the present invention is a method executed by a server that links a payment account of a customer opened in a financial company with a payment means to be used for payment using the mobile phone of a customer, A first step of receiving settlement means connection application information requesting connection of a settlement account of the customer name opened in a financial institution with a first settlement means to be used for settlement using the customer's cellular phone, A second step of making the validity of the customer information, the settlement account information, and the first payment method information contained in the payment method connection application information authenticated; and a second step of, when validating the payment method connection application information, A first virtual number for mapping the first payment means is generated and the payment account of the customer name is mapped to the payment means And it characterized in that it comprises a third step of the lock.

(N > = 2) to be used for settlement using the settlement account of the customer name established in the financial company and the customer's mobile phone from a program provided in the customer's mobile phone, ) Receiving the payment method connection application information requesting connection to the payment means, processing to validate the validity of the customer information, the payment account information and the Nth payment means information included in the payment method connection application information, Means for generating an Nth virtual number different from the first virtual number for mapping the settlement account of the customer name and the Nth payment means at the time of validity authentication of the means connection application information, And a step of mapping and registering the mapping information.

The payment method according to the present invention is characterized in that the Nth payment means includes a payment means for sharing a balance between the first payment means and a mapping account registered in the mapping.

The virtual number includes a virtual account number associated with a payment account of the specific customer name, in the payment account and payment method association method according to the present invention.

In the second step, in the second step, the financial institution corresponding to the settlement account information is authenticated whether the account of the customer name corresponding to the customer information and the settlement account information is opened or not The method comprising the steps of:

In a method of associating a settlement account with a settlement means according to the present invention, an electronic document corresponding to a registration registration of a settlement account of a customer name and a settlement means is generated, And a step of storing the data in the area.

A single payment account using a virtual account and a plurality of payment means linking methods according to the present invention are executed through a server for managing a payment account opened in a financial company in a specific customer's name, (N < [Lambda] > 2) payment means issued to the same number of customers as the specific customer who opened the payment account through the designated payment method issuing system A third step of creating the first to Nth virtual accounts of the specific customer name in order to link the settlement means of the specific customer name with the payment means of the specific customer name, And the N virtual accounts opened by the specific customer name are linked and stored, and the number of N accounts opened in the specific customer name And a fourth step of associating and storing N virtual payment means and N payment means issued to the specific customer, wherein the N virtual accounts include a virtual account having a payment account of the specific customer name as a mother account, The N payment means includes payment means for sharing the balance of one settlement account opened in the specific customer name by using N virtual accounts opened in the specific customer name.

In the method of linking a single settlement account and a plurality of settlement means using a virtual account according to the present invention, the settlement means may comprise: a settlement means for making settlement using a card issued to the specific customer; And a payment means for making payment using electronic money of the specific customer name.

The virtual account is generated for each payment means issued to the specific customer, in the single payment account using the virtual account and the plurality of payment means connection methods according to the present invention.

Check card payment means, electronic money payment means, mobile phone payment means or prepaid card payment means through the withdrawable amount of the virtual account in which the settlement account according to the present invention is the parent account, A method for operating a financial institution led by a Sudanese general manager or an electronic money settlement means director or a mobile phone settlement means director or a prepaid card payment means manager and a virtual account manager operating the virtual account one to one, (N = 2, 3,...)) Payment method used for operating the payment means is requested or a part (or the entire amount) of the account balance is requested to be connected to the payment account, The virtual account ledger having the payment account as the parent account is provided with one or more payment numbers that operate the payment means through the withdrawable amount of the virtual account If the virtual account ledger is connected to one or more payment means ledgers, generates payment means ledger information for operating the N-th payment means Adding an Nth virtual account ledger having the account of the account as a parent account to the account ledger and adding an Nth payment account ledger corresponding to the Nth payment account to the Nth virtual account ledger, And storing the created settlement means ledger information in the Nth settlement means ledger.

The virtual account management method for each of the plurality of payment means associated with the settlement account according to the present invention is characterized in that the virtual account having the settlement account as the parent account is allowed to use the payment right for the settlement means operating through the withdrawable amount of the virtual account The method comprising the steps of: generating usage right information for setting a date and time, a utilization target, and a balance utilization amount of a parent account for a virtual account; and transmitting the generated usage right information to a virtual And storing it in the account ledger.

The computer-readable recording medium records a program for executing a plurality of virtual account management methods for each payment means associated with the payment account.

On the other hand, a payment means ledger for operating a payment means, a check card payment means, an electronic money payment means, a mobile payment means or a prepaid card payment means through a withdrawable amount of a virtual account in which the settlement account according to the present invention is a parent account, A system for operating a financial institution led by a card settlement means ledger or an electronic money settlement means ledger or a mobile phone settlement means ledger or a prepaid card settlement means ledger and a virtual account ledger operating the virtual account one on one correspond to the account ledger (N = 2, 3,...), Which is used for operating the payment means, is requested to be connected to the settlement account balance or the settlement account linked account is changed to the settlement account The virtual account ledger having the account of the account as the parent account is operated by the payment means through the withdrawable amount of the virtual account, Means for confirming whether or not the settlement means ledger is connected to the settlement means; and means for, when it is determined that the virtual account ledger is connected to at least one settlement means ledger, An Nth virtual account ledger having the account of the account as the parent account is connected to the account ledger and an Nth payment account ledger corresponding to the Nth payment account is added to the Nth virtual account ledger And means for storing the generated settlement means ledger information in the Nth settlement means ledger.

According to the present invention, it is possible to manage the payment amount in addition to the effective settlement means management by connecting and managing various payment means using one settlement account.

According to the present invention, when connecting various payment means using one settlement account, each settlement means is connected using a virtual account in the middle, and the parent account of the virtual account is designated as a settlement account and managed, There is an advantage that each payment means can be managed / operated.

FIG. 1 is a diagram illustrating a payment system connection system in a face-to-face manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention.
FIG. 2 is a view showing a configuration of payment means connection information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention.
3A and 3B illustrate a process of registering payment method connection application information in a face-to-face manner according to an embodiment of the present invention.
4A and 4B illustrate a process of registering payment method connection application information in a face-to-face manner according to another embodiment of the present invention.
5A and 5B illustrate a process of registering payment method connection application information in a face-to-face manner according to another embodiment of the present invention.
FIG. 6 is a diagram showing a non-facing settlement means connection system for operating a plurality of payment means associated with a single settlement account according to another embodiment of the present invention.
7 is a view showing a configuration of payment means connection application information stored in a ledger D / B provided in a DBMS on a financial system in a non-facing manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention to be.
8A and 8B illustrate a process of registering payment method connection application information in a non-facing manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention.
9A, 9B and 9C are views illustrating a process of processing the payment method connection application information through a non-face financial transaction channel for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention .

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

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

In more detail, FIG. 1 shows a payment method connection application form including at least one customer information and payment account information for a predetermined payment account operated by a predetermined customer, 185) acquires predetermined image content corresponding to the payment method connection application through a predetermined image acquiring device, and transmits to the payment means connection system through a predetermined payment means connection request interface a payment means A payment method connection application electronic document including the image content is generated and stored in a predetermined electronic document storage when the connection application information and the image content obtained from the payment method connection application are provided, Based on the customer information and the settlement account information included in the information, The present invention relates to a system configuration for processing a connection, and more particularly, to an implementation method in which the electronic document repository is provided on an external system connected to the payment means connection system through a predetermined communication means.

Those skilled in the art will be able to refer to and / or modify the drawing 1 to derive various implementations of a payment system connection system configuration for operating a plurality of payment means associated with a single payment account However, it should be understood that the present invention includes all of the above-described embodiments, and is not limited only to the embodiment shown in FIG.

For example, those skilled in the art will be able to refer to and / or modify the FIG. 1 to understand how the electronic document repository is implemented in the DBMS located within the payment means connection system It should be understood, however, that the present invention includes all of the above-described embodiments, and is not limited only to the embodiment shown in FIG.

In addition, according to the method shown in FIG. 1, a payment method connection electronic document corresponding to the payment method connection application is generated on the server side of the payment means connection system, but the present invention is not limited thereto The electronic document for connection to the settlement means may be generated on the side of the terminal which has acquired the image contents corresponding to the settlement means connection application through the predetermined image acquisition device (for example, electronic And the document generation function is provided on the terminal side to generate the payment document connection request electronic document), whereby the present invention is not limited thereto.

Hereinafter, a payment means connection request information corresponding to the payment means connection request form created by the customer is received through a predetermined payment means connection request interface on the payment means connection system shown in FIG. 1, And stores the electronic document in a predetermined electronic document repository, and corresponds to at least one means and / or function configuration for processing connection of payment means on the basis of the customer information and payment account information included in the payment method connection application information Is referred to as "payment means management server 100" for the sake of convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a settlement means connection system for operating a plurality of payment means associated with the single settlement account is provided with a window terminal 185 (FIG. 1) provided in at least one financial institution branch The staff terminal 180 is connected to a payment means operation server 100 provided on the payment means connection system through a predetermined financial network, Lt; / RTI >

According to one embodiment of the present invention, the customer visits the financial institution branch (branch office) for operating a plurality of payment means associated with the single settlement account, and the customer visits the financial institution branch (branch office) Or through a teller) a predetermined payment means connection application for operating a plurality of payment means associated with the single payment account (e.g., for filling in at least one information item for operating a plurality of payment means associated with the single payment account) The customer is required to seal the transaction seal of the customer for the legal basis of the payment method connection application.

Thereafter, when the customer submits the created payment method connection application to the counter staff, the counter staff scans the payment method connection application through the predetermined image acquisition device to acquire predetermined image contents, (Or selecting) the payment means connection application information including at least one of the image content obtained in correspondence with the payment method connection application and the customer information and payment account information written in the payment method connection application through the payment means connection application, In response to the request, the window terminal 185 transmits the image content and payment method connection application information to the payment server operating server 100 provided on the payment means connection system through the financial network.

Preferably, the window terminal 185 includes a financial terminal used by an employee of the financial institution branch (or a branch office), and the payment server operation server 100 connected to the window terminal 185 may be provided with: The financial network connecting the counter terminal 185 and the settlement means operation server 100 may include a server (for example, a general ledger server) provided on a predetermined financial system, ) And a settlement means operation server (100).

The payment system connection system as described above may further include an image acquisition device for acquiring image content corresponding to a payment method connection application created by the customer, and a window terminal (185), a window terminal (185) The financial network connecting the payment means operation server 100 functions as a payment means connection request interface for registering the payment means connection application information for operating the plural payment means associated with the single payment account.

The storage medium (175) provided on the payment means connection system according to the present invention stores the customer information and payment account information provided from the employee terminal (180) And settlement means connection information including at least one of customer information, settlement account information, and settlement means information according to at least one connection of the payment means.

The customer information includes personal information (e.g., a name of a customer, a resident registration number, an address, a telephone number, a mobile phone number, and an e-mail address) of the customer who created the payment method connection application, Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system in association with the payment means connection system in response to the customer by joining as the financial transaction customer of the financial institution, And the like.

The settlement account information may include a part (or a part of) of the deposit deposited in the financial account in response to the request for settlement through one of the one or more financial accounts owned by the customer who created the payment method connection application, An account number, an account nickname, and a bank account name for the target financial account to be used for settlement of account information).

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

According to the method of the present invention, when the payment means is the check card payment means, the card number (for example, 16-digit card number) corresponding to the check card, the valid period information (optional in some cases) (Or code) for processing the card issuing organization information.

Or when the payment means is an electronic money payment means, the account information corresponding to the charge account for charging the electronic money, the validity period information corresponding to the validity period for the electronic money, It is preferable to include at least one of the management agency information.

Or if the payment means is a mobile phone payment means, it is preferable that the payment information includes mobile phone number information for processing a request for payment through the mobile phone, and customer information corresponding to the mobile phone number according to the intention and purpose of a person skilled in the art May be included.

Or when the payment means is the prepaid card payment means, account information corresponding to the prepaid card purchase deposit account for purchasing the prepaid card, validity period information for the prepaid card, and sales shop information for selling the prepaid card It is preferable to include at least one of them.

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

According to another embodiment of the present invention, the storage medium 175 may include an Internet banking system and / or a telebanking system and / or a wireless banking system, which are (or are associated with) the payment means connection system, and And / or a TV banking system in a DBMS on at least one or more banking systems, and thus the present invention is not limited thereto.

The payment means operation server 100 provided on the payment means connection system according to the present invention is a collective term of the payment means connection system side components which are connected to the staff terminal 180 through a predetermined financial network, The present invention can be embodied in at least one program including a server (or a device) and / or a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to one embodiment of the present invention, when the employee terminal 180 is a window terminal 185 connected to a predetermined financial network, the payment means operating server 100 transmits the payment information to the counter terminal 185 , And / or a server (or device) provided in an external environment on the financial system, and / or a program installed in an external environment on the financial system, and The present invention is not limited thereto.

According to an embodiment of the present invention, the payment means operation server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the employee terminal 180 through the financial network .

When the staff terminal 180 is a window terminal 185 connected to a predetermined financial network according to an embodiment of the present invention, the interface unit 105 may access the window terminal 180 based on the protocol stack defined in the financial network, (Or data) transmission / reception using a communication protocol defined in a financial transaction related program provided in the window terminal 185 by connecting a predetermined communication channel with the communication terminal 185 desirable.

Referring to FIG. 1, when the predetermined employee terminal 180 connects a predetermined communication channel with the payment server operating server 100 through the interface unit 105, Acquires the image content corresponding to the payment method connection application created by the customer through the predetermined image acquisition device provided in the employee terminal 180 for operating the plural payment means associated with the single payment account, (Or extracts) at least one user interface for inputting (or selecting) the payment means connection application information corresponding to the payment unit connection request information and transmitting the payment unit connection application information corresponding to the payment unit connection request information to the payment means operation server 100, An interface providing unit 110 (or interface providing means) for providing a created (or extracted) user interface to the employee terminal 180, 80 connected to the interface unit 105 inputs (or selects) the payment method connection application information corresponding to the payment method connection application through the user interface, An information receiving unit 115 (or information receiving means) for receiving the payment method connection application information, and a payment method connection application created by the customer through the predetermined image acquisition apparatus based on the user interface at the employee terminal 180 And an image receiving unit 120 (or image receiving means) for receiving image content corresponding to the payment means connection application in cooperation with the interface unit 105 when the corresponding image content is acquired and transmitted do.

The interface providing unit 110 connects the staff terminal 180 to the payment means operating server 100 after connecting the predetermined communication channel with the payment means operating server 100 through the interface unit 105 Upon receiving a request for a user interface for operating a plurality of payment means associated with the single settlement account, the image content corresponding to the payment means connection request created by the customer is acquired through the predetermined image acquisition device provided in the employee terminal 180 (Or selecting) payment method connection application information corresponding to the payment method connection application and transmitting the payment method connection application information to the payment method operating server 100 through the financial network, and / Or extracted from a predetermined database (not shown) and linked with the interface unit 105 to generate (or extract) the user interface To the employee terminal (180) through the financial network.

According to another embodiment of the present invention, an image content corresponding to the payment method connection application created by the customer is acquired from the employee terminal 180 through a predetermined image acquiring device, and connection of the payment means connected to the payment method connection application When a predetermined payment means connection application program having at least one user interface for inputting (or selecting) the application information and transmitting the application information to the payment means operating server 100 through the financial network is provided, (Or selects) the payment means connection application information corresponding to the payment means connection application and obtains image content corresponding to the payment means connection application created by the customer through the image acquisition apparatus of the payment means operation server 100 (Or extracts) a user interface for transmitting the user interface 180 to the employee terminal 180, The interface providing unit 110 may be omitted, so that the present invention is not limited thereto.

Then, the employee terminal 180 inputs (or selects) the payment means connection application information including at least one of the customer information and the settlement account information through the user interface, connects the input (or selected) The information receiving unit 115 transmits the application information to the payment server operating server 100 through the financial network and the information receiving unit 115 transmits the payment information to the payment terminal 100 in cooperation with the interface unit 105, And means connection application information is received.

In addition, the employee terminal 180 acquires image content corresponding to the payment method connection application created by the customer through the predetermined image acquisition device based on the user interface, and transmits the acquired image content to the financial terminal The image receiving unit 120 receives the image content corresponding to the settlement unit connection request in association with the interface unit 105. In this case,

According to another embodiment of the present invention, the employee terminal 180 may acquire image contents corresponding to the payment method connection application created by the customer through the predetermined image acquisition device, The user terminal 180 transmits the image corresponding to the payment means connection request form created by the customer among the at least one image contents previously stored in the storage device through the user interface, The image receiving unit 120 may transmit the image contents corresponding to the payment method connection application in cooperation with the interface unit 105. In this case, .

According to another embodiment of the present invention, the employee terminal 180 transmits the image content corresponding to the payment method connection application created by the customer through the user interface and the payment method connection application information corresponding to the payment method connection application The information receiving unit 115 can receive the image content corresponding to the payment method connection application together with the payment method connection application information in cooperation with the interface unit 105 (for example, the image receiving unit 120 are integrated in the information receiving unit 115, and the present invention is not limited thereto.

Referring to FIG. 1, when the payment means connection application information transmitted from the employee terminal 180 is received through the information receiving unit 115, the payment means operation server 100 transmits the payment method connection application information (Or validity confirmation means) for confirming whether or not the settlement satisfies the validity for the operation of the plural settlement means associated with the single settlement account.

According to the method of the present invention, the validation of the payment method connection application information may include checking at least one ledger information matching the payment method connection application information in the ledger D / B on the financial system associated with the payment method connection system And confirming whether or not it is registered.

For example, the validity checking unit 125 determines whether the customer information (customer personal information, member information, etc.) among the information included in the payment method connection application information is a ledger D / B to the customer ledger stored in the customer's home.

Alternatively, the validation of the payment method connection application information may include checking whether the payment account information included in the payment method connection application information includes a customer ledger stored in the ledger D / B on the financial system associated with the payment means connection system, And confirming whether or not it matches the linked account ledger.

Alternatively, the validation of the payment method connection application information may include checking whether the payment account information included in the payment method connection application information includes the account ledger stored in the ledger D / B on the financial system associated with the payment means connection system, It is preferable to check whether or not matching is performed.

If it is determined that the account is matched with the account ledger, it is preferably checked whether the customer is a financial account owned by the customer through a customer ledger connected to the account ledger.

In more detail, FIG. 1 shows a payment method connection application form including at least one customer information and payment account information for a predetermined payment account operated by a predetermined customer, 185) acquires predetermined image content corresponding to the payment method connection application through a predetermined image acquiring device, and transmits to the payment means connection system through a predetermined payment means connection request interface a payment means A payment method connection application electronic document including the image content is generated and stored in a predetermined electronic document storage when the connection application information and the image content obtained from the payment method connection application are provided, Based on the customer information and the settlement account information included in the information, The present invention relates to a system configuration for processing a connection, and more particularly, to an implementation method in which the electronic document repository is provided on an external system connected to the payment means connection system through a predetermined communication means.

Referring to FIG. 1, when the validity of the payment method connection application information is authenticated through the validity checking unit 125, the payment server operating server 100 responds to a payment account included in the payment method connection application information (Or information confirming means) for confirming whether at least one settlement means ledger operating a settlement means for processing a transaction approval through a part (or the entire amount) of the balance account balance is connected to the account ledger And a payment means ledger corresponding to one or more payment means on the account ledger corresponding to the payment account corresponding to the check result, And a payment means ledger for storing the payment means ledger information, and transmits the generated payment means ledger to the payment means connected to the account ledger And a ledger processing unit 135 (or a ledger processing means) for additionally connecting to the new payment means ledger other than the ledger and for processing the created payment means ledger information to be stored in the ledger of the new payment means do.

If the validity of the payment method connection application information is authenticated through the validity checking unit 125, the information checking unit 130 may check the payment account And confirms whether or not one or more payment means ledgers operating the payment means for processing the transaction approval are connected through a part (or the entire amount) of the balance.

According to the method of the present invention, confirming whether or not one or more payment means ledgers operating a payment means for processing a transaction approval through the balance of the payment account included in the payment means connection application information is connected, Means for confirming the account ledger corresponding to the settlement account included in the means connection application information and confirming one or more ledgers connected to the verified account ledger, It is preferable to check whether one or more payment means ledgers operating the payment means for processing the payment means are connected.

Preferably, the settlement means ledger includes at least one electronic money settlement means ledger or a mobile phone settlement means ledger or a prepaid card clearing means ledger corresponding to each of the payment means.

If the ledger corresponding to one or more payment means is connected to the account ledger corresponding to the payment account in response to the confirmation result, the ledger processing unit 135 operates the payment means for requesting connection by the customer And the payment means ledger is connected to a new payment means ledger other than the payment means ledger linked to the account ledger, And the generated payment means ledger information is stored in the new payment means ledger.

Here, connecting the created card ledge to a new card ledger other than the card ledger connected to the account ledger opens a virtual account with the account of the account corresponding to the account ledger as the parent account, To the newly generated card ledger.

According to the method of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to the account ledger corresponding to the payment account included in the received payment means connection request information, (M = N + 1) payment means ledger to the account ledger corresponding to the payment account after creating the payment means ledger corresponding to the payment means for which the customer requested the connection, And processing means for generating payment means ledger information for operating the payment means for requesting connection by the customer to the generated payment means ledger is generated and stored.

Also, if the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, payment method ledger information for operating the payment means requested by the customer is generated , The method comprising: generating a payment means ledger corresponding to the payment means, adding the generated payment means ledger to the account ledger corresponding to the payment account, adding the ledger as a first payment means ledger, It is preferable that the settlement means ledger information for operating the payment means for which the customer has requested the connection is generated and stored.

If it is determined that there is no first settlement means ledger corresponding to the first settlement means, a first settlement means ledger for storing settlement means ledger information for operating the settlement means requested by the customer is generated, And stores the created settlement means ledger information on the generated first settlement means ledger.

That is, when the customer having the first payment means for using part (or the entire amount) of the balance of the settlement account for transaction approval requests connection of the second payment means for using part (or the entire amount) of the settlement account balance for transaction approval, The method comprising: generating settlement means ledger information for operating the second settlement means in the account ledger corresponding to the settlement account; generating a settlement means ledger corresponding to the second settlement means; And processes the generated payment method ledger information to be included in the second payment means ledger.

Here, if the customer requests setting of a payment account use right for one or more payment means connected to the payment account, information on the payment account use right for each of the payment means is generated, It is preferable to store it in the payment means ledger corresponding to the payment means.

1, the payment means operating server 100 receives the image contents transmitted from the employee terminal 180 through the image receiving unit 120, (Or electronic document generating means) 145 for generating a predetermined payment means connection request electronic document including the received image content, if the validity of the means connection application information is authenticated, And an electronic document transmission unit 150 (or electronic document transmission means) for transmitting the electronic document to the electronic document repository associated with the payment means connection system.

The electronic document generating unit 145 generates a payment means connection request electronic document including the image contents received from the employee terminal 180 through the image receiving unit 120. [

According to an embodiment of the present invention, the electronic document generation unit 145 may directly transmit the image file including the image content received from the employee terminal 180 through the image receiving unit 120 to the single settlement account It is preferable to process the settlement means connection application electronic document for operating the linked plural payment means.

Alternatively, the electronic document generating unit 145 may receive the image content received from the employee terminal 180 through the image receiving unit 120, An electronic document corresponding to an image content including at least one of customer information, settlement account information, and watermarking is connected to a payment means for operating a plurality of payment means associated with the single payment account .

According to another embodiment of the present invention, the electronic document generation unit 145 generates a predetermined document file (for example, a PDF file) including the image content received from the employee terminal 180 through the image receiving unit 120 (E.g., a portable document format) file, a EDI (Electronic Data Interchange) file, a word processor file containing at least one of HWP / DOC, etc., or a web document file containing MHT) It is preferable to generate a payment means connection application electronic document for operating the associated plural payment means.

Alternatively, the electronic document generating unit 145 may receive the image content received from the employee terminal 180 through the image receiving unit 120, (E.g., a PDF (Portable Document Format) file containing the generated image content, a user ID, and a payment account information, Or a web document file including an MHT, or the like) such as an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC and the like, It is desirable to generate a payment instrument connection application electronic document.

According to another embodiment of the present invention, the electronic document generation unit 145 receives the image content received from the employee terminal 180 through the image reception unit 120 and the image content received through the information reception unit 115 A word processor file containing at least one of a document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or HWP / DOC) And the like) to generate a payment method connection electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the electronic document generating unit 145 may receive the image content received from the employee terminal 180 through the image receiving unit 120, (E.g., PDF) including at least one of the customer information and the payment account information in a watermarking manner and transmitting the generated image content and the payment means connection application information (E.g., a portable document format) file, a EDI (Electronic Data Interchange) file, a word processor file containing at least one of HWP / DOC, etc., or a web document file containing MHT) It is preferable to generate a payment means connection application electronic document for operating the associated plural payment means.

The electronic document generating unit 145 may be a technical feature for generating an electronic document for requesting connection to a payment means of an image file format and / or a predetermined document file format, if the person skilled in the art is familiar with the present invention. The technical features of the file format for the image file and / or the document file corresponding to the settlement means connection electronic document are known, and a detailed description thereof will be omitted for the sake of convenience.

The electronic document transferring unit 150 transfers the payment document connection request electronic document generated by the electronic document creation unit 145 to a predetermined electronic document repository associated with the payment means connection system, do.

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B (refer to FIG. 1) 170, the electronic document transmission unit 150 transmits the payment document connection request electronic document generated by the electronic document generation unit 145 to the electronic document server (not shown) via the communication means 155).

Here, when the electronic document server 155 and the electronic document D / B 170 are provided outside the payment means connection system, the electronic document server 155 and the electronic document D / It is desirable to be managed by an authorized institution.

According to another embodiment of the present invention, when the electronic document repository is provided on the DBMS provided in the payment means connection system, the electronic document transmission unit 150 transmits the electronic document, It is possible to store the payment method connection electronic document in the electronic document D / B 170 corresponding to the electronic document repository on the DBMS provided in the payment means connection system, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 150 transmits electronic document related information for generating predetermined electronic document management information in the electronic document server 155 (for example, The electronic document file format information, and / or the settlement means connection application information, etc.) to the electronic settlement means, and / or the financial institution information transmitting the settlement means connection request electronic document, and / It can be transmitted to the document repository, and thus the present invention is not limited thereto.

Referring to FIG. 1, the payment means operation server 100 receives payment information connection request information received through the information receiving unit 115 from the validation unit 125, Processing means for processing connection of the payment means on the basis of the payment method connection application information for which the validity is verified, if the validity for the operation is authenticated, and storing the customer information, the settlement account information and the payment means information corresponding to the payment means connection processing result And an information storage unit 153 (or an information storage unit) for storing the payment means connection information that is included in the storage medium 175.

When the validity confirmation unit 125 confirms the validity of the payment method connection application information, the information storage unit 153 processes connection of the payment means based on the payment method connection application information, And stores the payment means connection information including at least one of customer information, settlement account information and payment means information corresponding to the processing result in the storage medium (175), wherein the storage medium (175) When the information storage unit 153 is provided in the server 100 or on a network connected to the payment server operating server 100, the information storage unit 153 processes the connection of the payment means on the basis of the received payment method connection application information And payment means connection information including at least one of customer information, settlement account information, and payment means information corresponding to the payment method connection processing result is stored in the storage medium 175 If the storage medium 175 is provided in the DBMS provided in the financial system, the information storage unit 153 processes connection of the payment means on the basis of the received payment method connection application information Providing settlement means connection information including at least one of customer information, settlement account information, and settlement means information corresponding to the settlement means connection processing result to the information system via the external system on the financial system, .

Referring to FIG. 1, an electronic document to be connected to a predetermined settlement means is received from the settlement means operation server 100 provided on the settlement means connection system, and is stored and managed in a predetermined electronic document D / B 170 The electronic document server 155 includes an electronic document receiving unit 160 (or electronic document receiving means) for receiving a predetermined electronic document for connection to a payment means from the payment means operating server 100 via a predetermined communication means, (Or information generating means) 163 (or information generating means) for generating predetermined electronic document management information for storing and managing the received payment method connection application electronic document in the electronic document D / B 170, And an electronic document storage unit 165 (or electronic document storage means) for associating management information with the settlement means connection request electronic document and storing the electronic document in a predetermined electronic document D / B 170. [

The electronic document receiving unit 160 receives an electronic document for requesting connection to a settlement means in the form of an image file and / or a document file from the settlement means operation server 100 via the communication means.

According to an embodiment of the present invention, the payment means connection electronic document received by the electronic document receiving unit 160 through the communication means is transmitted to the payment terminal 100 via the image receiving unit 160, It is preferable that the image file including the content is included as it is.

Alternatively, the settlement means connection application electronic document received by the electronic document receiving unit 160 through the communication means may be transmitted to the settlement means operation server 100 through the payment means connection And an image file corresponding to image content including at least one of customer information and payment account information included in the application information in a watermarking manner.

According to another embodiment of the present invention, the settlement means connection application electronic document received by the electronic document receiving unit 160 through the communication means is transmitted to the settlement means operation server 100, A word processor file containing at least one or more of a document file (e.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file or an HWP / DOC file containing image content, Document file, etc.).

Alternatively, the settlement means connection application electronic document received by the electronic document receiving unit 160 through the communication means may be transmitted to the image processing apparatus 100 via the payment means connection application (E.g., a PDF (Portable Document Format) file or an Electronic Data (EDI) file containing image contents including at least one of the customer information and payment account information included in the information in a watermarking manner, Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the settlement means connection application electronic document received by the electronic document receiving unit 160 through the communication means is received from the staff terminal 180 (E.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC) containing at least one image content and the payment method connection application information File, or a web document file including MHT).

Alternatively, the settlement means connection application electronic document received by the electronic document receiving unit 160 through the communication means may be transmitted to the image processing apparatus 100 via the payment means connection application (E.g., Portable Document Format (PDF)) including image content including at least one of the customer information and payment account information included in the information in a watermarking manner and the payment method connection application information, File, or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

The information generating unit 163 generates a predetermined electronic document unique number (or unique information) to be allocated to the payment method connection request electronic document received through the electronic document receiving unit 160, And the electronic document management information including the electronic document storage time information including the date and time when the payment method connection electronic document is received (or the date and time at which the payment method connection electronic document is stored) .

According to one embodiment of the present invention, the information generation unit 163 refers to the payment means operation server 100 that has transmitted the payment means connection request electronic document received through the electronic document receiving unit 160, It is desirable to identify the financial institution that transmitted the means connection application electronic document and generate the electronic document management information further including the confirmed financial institution information.

According to another embodiment of the present invention, when predetermined electronic document related information is further received from the settlement means operating server 100 through the electronic document receiving unit 160, the information generating unit 163 may receive the electronic document related information And / or electronic document file format information and / or electronic document file format information for transmitting electronic document related information (for example, customer information for creating a payment method connection application corresponding to the image content, and / And / or the settlement means connection application information, and the like).

The electronic document storage unit 165 associates the payment document connection request electronic document received through the electronic document receiver 160 with the electronic document management information generated through the information generating unit 163, D / B (170).

According to an embodiment of the present invention, the settlement means connection application electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is transmitted to the staff terminal 180 as the image file containing the image content.

Alternatively, the settlement means connection application electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be transmitted to the settlement means operation server 100, And an image file corresponding to the image content including at least one of the customer information and the settlement account information included in the payment method connection application information in a watermarking manner.

According to another embodiment of the present invention, the settlement means connection application electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is transmitted to the settlement means operation server 100, (E.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a word processor file containing at least one HWP / DOC, etc.) Or a web document file including MHT).

Alternatively, the settlement means connection application electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be transmitted to the settlement means operation server 100, (E.g., a PDF (Portable Document Format) file including image contents including at least one of customer information and payment account information included in the payment method connection application information in a watermarking manner, , Or EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, and the like, or a web document file including MHT).

According to another embodiment of the present invention, the settlement means connection application electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is transmitted to the settlement means operation server 100, (E.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC) containing the image content received from the terminal 180 and the payment means connection application information A word processor file including at least one file, or a web document file including MHT).

Alternatively, the settlement means connection application electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be transmitted to the settlement means operation server 100, (For example, an image file including at least one of the customer information and the payment account information included in the payment method connection application information in a watermarking manner and the payment method connection application information) A word processor file including at least one of a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, or a web document file including an MHT).

According to the embodiment of the present invention, the electronic document management information, which is stored in the electronic document D / B 170 in association with the electronic document storage unit 165, (Or unique information) assigned to the application electronic document and the electronic document storage time information.

According to an embodiment of the present invention, the electronic document management information, which is stored in the electronic document D / B 170 in association with the electronic document storage unit 165, And the financial institution information transmitting the confirmed settlement means connection request electronic document with reference to the settlement means operation server 100 which transmitted the connection application electronic document.

According to another embodiment of the present invention, when predetermined electronic document related information is further received from the settlement means operation server 100, the electronic document storage unit 165 stores the electronic document associated with the settlement means connection request electronic document The electronic document management information to be stored in the electronic document D / B 170 may include the received electronic document related information (for example, the customer information in which the payment means connection application corresponding to the image content is created, and / And / or electronic document file format information, and / or the payment method connection application information, for example).

2 is a diagram illustrating a configuration of payment means connection information stored in a ledger D / B 200 provided in a DBMS on a financial system in a face-to-face manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention FIG.

2 is a diagram illustrating a case where the storage medium 175 shown in FIG. 1 is a ledger D / B 200 provided in a DBMS on a financial system, and the ledger information included in the ledger D / B 200 The payment method connection information including the customer information and the payment account information is processed based on the payment method connection application information and then the corresponding payment method connection information is stored. It will be apparent to those skilled in the art that various information configuration methods for referring to and / or modifying FIG. 2 to store the payment method connection application information in the ledger D / B 200 may be inferred , The present invention encompasses all of the above-described embodiments, and is not limited only to the embodiment shown in FIG.

2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system includes a predetermined customer ledger, a ledger associated with the customer ledger , A reception ledger, a loan ledger, etc.) and at least one or more pieces of information associated with the account ledger. If a person skilled in the art is familiar with the present invention, In addition to the customer ledger and the account ledger shown in FIG. 2, at least one ledger (for example, a loan ledger, a collateral ledger, ...) and / or at least one for maintaining and managing the ledgers are provided in the ledger D / It will be clear to those skilled in the art that more than one additional information is included and that the detailed description thereof will be familiar to those skilled in the art, The.

The customer ledger has a CIF (Customer Information File) number, a country code, a contact person ID, an account number, a customer classification, a customer name, a customer address, a region classification code, a telephone number, TRW, DB, Usage, Parent Company Number, Account Date, Cash Available Date, Last Name, Resident Registration Number, Company Address, Company Telephone Number, Mailing Location, Account Number, President, Industry, Legal Representative. At least one or more of the following: a name of the state, the name of the state, a transmission, a sex, a resident, a job, a mailing address, a company name, a guardian name, a guardian telephone number, And the customer ledger includes ledger information for a customer including at least one of an individual customer, an enterprise customer, and a minor.

Those skilled in the art will appreciate that the contents and features of the information contained in the customer ledger will be clearly understood, and a detailed description thereof will be omitted for the sake of convenience.

The account ledger is linked to the customer ledger in a relational manner and includes an account number, a CIF number, a point number, a currency, an opening date, a status, a product type, an interest rate, a password, a balance, a RB balance 1, a RB balance 2, , The account number, the current account number, the time extension, the time extension, the ARS setting, the final payment date, the final payment date, the final deposit amount, the final withdrawal amount, the number of transactions without transaction, the interest transfer account, (Number of days), period (number of days), period extension, expiration date, and target amount corresponding to the account ledger, and includes at least one or more of a number, an interest rate reference, a final interest calculation date, And / or the trust receipt information including at least one of the account number, the deposit amount, the face amount, the pension date, and the stock number corresponding to the account ledger, and / A transaction that includes at least one of an account number, a transaction number, a date, a point number, a product type, a transaction type, a current amount, a ROT point, a batch number, a complex transaction, And history information.

Those skilled in the art will clearly understand the contents and characteristics of the information included in the account ledger and the additional information structure, and therefore, detailed description thereof will be omitted for the sake of convenience.

The virtual account ledger is associated with the account ledger in a relational manner and includes at least one of a virtual account number, a virtual account attribute, a virtual account opening date, a parent account number, and the like.

Those skilled in the art will clearly understand the contents and characteristics of the information included in the virtual account ledger and the additional information configuration, and therefore, a detailed description thereof will be omitted for the sake of convenience.

Referring to FIG. 2, the payment means connection application information provided through the payment means connection system shown in FIG. 1 is stored in the form of additional information added to the virtual account ledger. Customer information, and settlement account information.

The customer information includes personal information (e.g., a name of a customer, a resident registration number, an address, a telephone number, a mobile phone number, and an e-mail address) of the customer who created the payment method connection application, Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system in association with the payment means connection system in response to the customer by joining as the financial transaction customer of the financial institution, And the like.

The settlement account information may include a part (or a part of) of the deposit deposited in the financial account in response to the request for settlement through one of the one or more financial accounts owned by the customer who created the payment method connection application, An account number, an account nickname, and a bank account name for the target financial account to be used for settlement of account information).

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

According to the method of the present invention, when the payment means is the check card payment means, the card number (for example, 16-digit card number) corresponding to the check card, the valid period information (optional in some cases) (Or code) for processing the card issuing organization information.

Or when the payment means is an electronic money payment means, the account information corresponding to the charge account for charging the electronic money, the validity period information corresponding to the validity period for the electronic money, It is preferable to include at least one of the management agency information.

Or if the payment means is a mobile phone payment means, it is preferable that the payment information includes mobile phone number information for processing a request for payment through the mobile phone, and customer information corresponding to the mobile phone number according to the intention and purpose of a person skilled in the art May be included.

Or when the payment means is the prepaid card payment means, account information corresponding to the prepaid card purchase deposit account for purchasing the prepaid card, validity period information for the prepaid card, and sales shop information for selling the prepaid card It is preferable to include at least one of them.

According to another embodiment of the present invention, the payment method connection application information is stored in the form of information included in the account ledger (not shown) and / or in a ledger other than the account ledger (e.g., a customer ledger) The form of additional information to be added, and / or the information form contained in a ledger other than the account ledger (for example, a customer ledger) are all possible, and thus the present invention is not limited thereto.

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

In more detail, Figures 3a and 3b are a window terminal 185 provided at a financial institution branch (or branch office) of the staff terminal 180 on the payment means connection system shown in Figure 1, 100 has a function of a ledger server (not shown) on the financial system linked with the counter terminal 185 through a predetermined financial network, a predetermined customer can use a plurality of payment means The customer information, and the settlement account information, the predetermined window terminal 185 transmits predetermined image content corresponding to the payment method connection application through the predetermined image acquisition device And transmits the settlement unit connection application information corresponding to the settlement unit connection application to the settlement unit connection system through the predetermined settlement unit connection request interface, Means for generating a connection request electronic document containing the image content and storing the electronic document in a predetermined electronic document repository when the image content obtained from the means connection application is provided, Information corresponding to the settlement means connection application and the settlement account information, and storing the information in the predetermined storage medium 175. Specifically, the method is performed by the window terminal 185, (Or selects) the payment means connection application information corresponding to the payment means connection application and transfers the image content to the payment means operation server 100 Fig.

Those skilled in the art will be able to refer and / or modify Figures 3a and 3b to the payment server operating server 100 from the counter terminal 185, However, the present invention is not limited to the methods shown in FIGS. 3A and 3B, including all of the above-described embodiments.

For example, in the embodiment shown in FIGS. 3A and 3B, the window terminal 185 acquires predetermined image content corresponding to the settlement means connection application via a predetermined image acquisition device, and / It is described that the user interface for inputting (or selecting) the payment method connection application information corresponding to the connection application form is provided from the payment means operation server 100. However, In the case where the program is provided, the user interface may not be provided from the payment means operation server 100, and thus the present invention is not limited thereto.

Hereinafter, in FIG. 3A and FIG. 3B, the window terminal 185 shown in FIG. 1 is referred to as a "terminal" for the sake of convenience and the payment means operation server 100 shown in FIG. The customer information and settlement account information transmitted from the counter terminal 185 to the settlement means operating server 100 are referred to as " payment means connection application information "for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer creates and submits a payment means connection application including at least one customer information and payment account information for operating a plurality of payment means associated with a single payment account, A window terminal 185 is connected to the server through a predetermined financial network and is connected to a predetermined communication channel. In this state, a user for operating a plurality of payment means associated with a single payment account corresponding to the payment means connection application, In response to the request for an interface (300), the server obtains predetermined image content corresponding to the payment method connection application created by the client through the predetermined image acquisition device at the terminal, and transmits a user interface (Or extracts) the user interface generated (or extracted) through the financial network, And outputs and transmits it to the terminal 310.

Then, the terminal acquires the image content corresponding to the payment method connection application through the predetermined image acquisition device based on the user interface (315).

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

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

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

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

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

According to an embodiment of the present invention, the validation of the payment method connection application information may be performed by connecting at least one or more than one (at least one) matching payment method connection application information to the ledger D / B 200 on the financial system associated with the payment method connection system And confirming whether the ledger information is registered.

For example, the validity checking unit 125 determines whether the customer information (customer personal information, member information, etc.) among the information included in the payment method connection application information is a ledger D / B 200 and the customer ledger stored in the B 200.

Alternatively, the validation of the payment method connection application information may be performed such that, among the information included in the payment method connection application information, the payment account information is stored in the ledger D / B 200 on the financial system associated with the payment means connection system And confirming whether it matches the account ledger connected to the customer ledger.

Alternatively, the validation of the payment method connection application information may be performed such that, among the information included in the payment method connection application information, the payment account information is stored in the ledger D / B 200 on the financial system associated with the payment means connection system And confirming whether it matches with the account ledger.

If it is determined that the account is matched with the account ledger, it is preferably checked whether the customer is a financial account owned by the customer through a customer ledger connected to the account ledger.

If the validity of the payment method connection application information is not authenticated (358), the server generates and transmits error information for a predetermined payment method connection application to the terminal (360) The corresponding payment means connection procedure is not performed.

On the other hand, if the validity of the payment method connection application information is authenticated (358), the server confirms the account ledger corresponding to the payment account included in the payment method connection application information (361) (362) whether one or more payment method ledgers operating the payment means for processing the transaction approval are connected through a part (or the whole amount) of the payment account balance.

According to the method of the present invention, confirming whether or not one or more payment means ledgers operating a payment means for processing a transaction approval through the balance of the payment account included in the payment means connection application information is connected, Means for confirming the account ledger corresponding to the settlement account included in the means connection application information and confirming one or more ledgers connected to the verified account ledger, It is preferable to check whether one or more payment means ledgers operating the payment means for processing the payment means are connected.

Preferably, the settlement means ledger includes at least one electronic money settlement means ledger or a mobile phone settlement means ledger or a prepaid card clearing means ledger corresponding to each of the payment means.

If the settlement means ledger is not connected to the account ledger corresponding to the payment account in response to the check result (363), the server generates payment means ledger information for operating the payment means for requesting the connection (364), and stores the created settlement means ledger information in the first settlement means ledger (365).

On the other hand, if the settlement means ledger is connected to the account ledger corresponding to the payment account in response to the confirmation result (363), the server generates payment means ledger information for operating the payment means for requesting connection by the customer (366), creates a settlement means ledger corresponding to the settlement means to be connected to the settlement account (367), and adds the generated settlement means ledger to the Nth settlement means ledger of the account ledger corresponding to the settlement account (368), and stores the generated payment method ledger information in the linked Nth payment method ledger (369).

Here, connecting the created card ledge to a new card ledger other than the card ledger connected to the account ledger opens a virtual account with the account of the account corresponding to the account ledger as the parent account, To the newly generated card ledger.

According to the method of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to the account ledger corresponding to the payment account included in the received payment means connection request information, (M = N + 1) payment means ledger to the account ledger corresponding to the payment account after creating the payment means ledger corresponding to the payment means for which the customer requested the connection, And processing means for generating payment means ledger information for operating the payment means for requesting connection by the customer to the generated payment means ledger is generated and stored.

Also, if the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, payment method ledger information for operating the payment means requested by the customer is generated , The method comprising: generating a payment means ledger corresponding to the payment means, adding the generated payment means ledger to the account ledger corresponding to the payment account, adding the ledger as a first payment means ledger, It is preferable that the settlement means ledger information for operating the payment means for which the customer has requested the connection is generated and stored.

If it is determined that there is no first settlement means ledger corresponding to the first settlement means, a first settlement means ledger for storing settlement means ledger information for operating the settlement means requested by the customer is generated, And stores the created settlement means ledger information on the generated first settlement means ledger.

That is, when the customer having the first payment means for using part (or the entire amount) of the balance of the settlement account for transaction approval requests connection of the second payment means for using part (or the entire amount) of the settlement account balance for transaction approval, The method comprising: generating settlement means ledger information for operating the second settlement means in the account ledger corresponding to the settlement account; generating a settlement means ledger corresponding to the second settlement means; And processes the generated payment method ledger information to be included in the second payment means ledger.

Here, if the customer requests setting of a payment account use right for one or more payment means connected to the payment account, information on the payment account use right for each of the payment means is generated, It is preferable to store it in the payment means ledger corresponding to the payment means.

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

According to an embodiment of the present invention, the server can directly transmit an image file including the image content received from the staff terminal 180 through the image receiving unit 120 to a plurality of payment means operated in association with the single settlement account It is desirable to process the settlement means connection application electronic document for.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information And a payment means for operating a plurality of payment means associated with the single payment account, to generate an electronic document corresponding to the image contents including the at least one of the image contents in the watermarking manner.

According to another embodiment of the present invention, the server receives a predetermined document file (e.g., a PDF (Portable Document Format) file including the image content received from the employee terminal 180 via the image receiving unit 120 , Or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), thereby operating a plurality of payment means associated with the single payment account It is desirable to generate a payment instrument connection application electronic document for the payment method connection.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information (E.g., a PDF (Portable Document Format) file or an Electronic Data Interchange (EDI) file containing the generated image content, ) File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), a settlement means connection application for operating a plurality of settlement means associated with the single settlement account, It is desirable to create a document.

According to another embodiment of the present invention, the server transmits the image content received from the employee terminal 180 through the image receiving unit 120 and the payment method connection application information received via the information receiving unit 115 A word processor file including at least one of a document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / DOC or the like) And so on), it is preferable to generate a payment method connection electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information (For example, a PDF (Portable Document Format) file) including the generated image content and the payment method connection application information, , Or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), thereby operating a plurality of payment means associated with the single payment account It is desirable to generate a payment instrument connection application electronic document for the payment method connection.

The present invention is not limited to the above-described exemplary embodiments, but may be modified and changed without departing from the spirit and scope of the invention. And the file format of the image file and / or the document file corresponding to the document file, the detailed description thereof will be omitted for the sake of convenience.

Thereafter, the server stores the created payment instrument connection request electronic document in a predetermined electronic document repository (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 170 linked to a server on the payment means connection system through a predetermined communication means, The server may transmit the generated electronic document to the electronic document server 155 through the communication means and store the generated electronic document in the electronic document D / B 170. [

Alternatively, when the electronic document repository is provided on the DBMS provided in the payment means connection system, the server transmits the generated payment method connection electronic document to the electronic document repository on the DBMS provided in the payment means connection system It can be stored in the corresponding electronic document D / B 170, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, storing the electronic document in the electronic document repository by linking the payment method connection electronic document with predetermined electronic document management information, To the electronic document D / B (170).

Preferably, the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the electronic document associated with the payment means connection and the electronic document storage time information.

The electronic document management information may further include financial institution information that has transmitted the electronic document for requesting connection to the settlement means.

Further, the electronic document management information may include predetermined electronic document related information (e.g., financial institution information for transmitting the payment method connection application electronic document corresponding to the image content, customer information for creating the payment method connection application corresponding to the image content, and / / / Electronic document file format information, and / or payment means connection application information).

If an electronic document to be connected to the settlement means is stored in the electronic document repository (380), the server provides the settlement means connection request processing result to the terminal (385).

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

4A and 4B illustrate a case where the staff terminal 180 on the payment means connection system shown in FIG. 1 is a window terminal 185 provided at a financial institution branch (or branch office) 100 has a function of a ledger server (not shown) on the financial system linked with the counter terminal 185 through a predetermined financial network, a predetermined customer can use a plurality of payment means The customer information, and the settlement account information, the predetermined window terminal 185 transmits predetermined image content corresponding to the payment method connection application through the predetermined image acquisition device And transmits the settlement unit connection application information corresponding to the settlement unit connection application to the settlement unit connection system through the predetermined settlement unit connection request interface, Means for generating a connection request electronic document containing the image content and storing the electronic document in a predetermined electronic document repository when the image content obtained from the means connection application is provided, Information and payment account information and stores the information in a predetermined storage medium 175. More specifically, the method for inputting payment method connection application information corresponding to the payment method connection application in the window terminal 185 Or the selected image content corresponding to the settlement means connection application, and transmits the acquired image content to the settlement means operation server 100 via the predetermined image acquisition device Fig.

Those skilled in the art will be able to refer to and / or modify the FIG. 4A and FIG. 4B to transfer the settlement unit connection request information from the window terminal 185 to the settlement unit operation server 100 It should be understood that the present invention is not limited to the embodiments shown in FIGS. 4A and 4B.

For example, in the embodiment shown in FIGS. 4A and 4B, the window terminal 185 acquires predetermined image contents corresponding to the payment method connection application via a predetermined image acquisition device, and / It is described that the user interface for inputting (or selecting) the payment method connection application information corresponding to the connection application form is provided from the payment means operation server 100. However, In the case where the program is provided, the user interface may not be provided from the payment means operation server 100, and thus the present invention is not limited thereto.

Hereinafter, in FIG. 4A and FIG. 4B, the window terminal 185 shown in FIG. 1 is referred to as a "terminal" for convenience sake, the payment server operating server 100 shown in FIG. The customer information and settlement account information transmitted from the counter terminal 185 to the settlement means operating server 100 are referred to as " payment means connection application information "for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer creates and submits a payment means connection application including at least one customer information and payment account information for operating a plurality of payment means associated with a single payment account, A window terminal 185 is connected to the server through a predetermined financial network and is connected to a predetermined communication channel. In this state, a user for operating a plurality of payment means associated with a single payment account corresponding to the payment means connection application, In response to the request, the server inputs (or selects) payment method connection application information including at least one of customer information and settlement account information corresponding to the payment method connection application created by the customer, (Or extracts) a user interface for transmission to the server (405), and transmits the created (or extracted) user through the financial network And outputs to send the user interface to the mobile station 410. The

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

If the payment method connection application information including at least one of the customer information and the settlement account information is inputted (or selected) (420) through the user interface, the terminal transmits the payment information to the server through the financial network The selected payment method connection application information is transmitted (425).

Then, the server receives and reads the payment means connection application information including at least one of the customer information and the settlement account information through the financial network, and confirms the validity of the payment means connection application information (430).

According to an embodiment of the present invention, the validation of the payment method connection application information may be performed by connecting at least one or more than one (at least one) matching payment method connection application information to the ledger D / B 200 on the financial system associated with the payment method connection system And confirming whether the ledger information is registered.

For example, the validity checking unit 125 determines whether the customer information (customer personal information, member information, etc.) among the information included in the payment method connection application information is a ledger D / B 200 and the customer ledger stored in the B 200.

Alternatively, the validation of the payment method connection application information may be performed when the payment account information of the information included in the payment method connection application information is transmitted to the ledger D / B 200 on the financial system linked to the payment means connection system And confirming whether it matches the ledger associated with the stored customer ledger.

Alternatively, the validation of the payment method connection application information may be performed such that, among the information included in the payment method connection application information, the payment account information is stored in the ledger D / B 200 on the financial system associated with the payment means connection system And confirming whether it matches with the account ledger.

If it is determined that the account is matched with the account ledger, it is preferably checked whether the customer is a financial account owned by the customer through a customer ledger connected to the account ledger.

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

On the other hand, if the validity of the payment method connection application information is authenticated (435), the server confirms the account ledger corresponding to the payment account included in the payment method connection application information (441) (442) whether one or more payment method ledgers operating the payment means for processing the transaction approval are connected through a part (or the whole amount) of the payment account balance.

According to the method of the present invention, confirming whether or not one or more payment means ledgers operating a payment means for processing a transaction approval through the balance of the payment account included in the payment means connection application information is connected, Means for confirming the account ledger corresponding to the settlement account included in the means connection application information and confirming one or more ledgers connected to the verified account ledger, It is preferable to check whether one or more payment means ledgers operating the payment means for processing the payment means are connected.

Preferably, the settlement means ledger includes at least one electronic money settlement means ledger or a mobile phone settlement means ledger or a prepaid card clearing means ledger corresponding to each of the payment means.

If the settlement means ledger is not connected to the account ledger corresponding to the payment account in response to the confirmation result (443), the server generates payment means ledger information for operating the payment means for requesting the connection (444), and stores the created settlement means ledger information in the first settlement means ledger (445).

On the other hand, if the settlement means ledger is connected to the account ledger corresponding to the payment account in response to the check result (443), the server generates payment means ledger information for operating the payment means for requesting connection by the customer (447), creates a settlement means ledger corresponding to the settlement means to be connected to the settlement account (447), and adds the generated settlement means ledger to the Nth settlement means ledger of the account ledger corresponding to the settlement account (448), and stores the created payment method ledger information in the connected Nth payment method ledger (449).

Here, connecting the created card ledge to a new card ledger other than the card ledger connected to the account ledger opens a virtual account with the account of the account corresponding to the account ledger as the parent account, To the newly generated card ledger.

According to the method of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to the account ledger corresponding to the payment account included in the received payment means connection request information, (M = N + 1) payment means ledger to the account ledger corresponding to the payment account after creating the payment means ledger corresponding to the payment means for which the customer requested the connection, And processing means for generating payment means ledger information for operating the payment means for requesting connection by the customer to the generated payment means ledger is generated and stored.

Also, if the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, payment method ledger information for operating the payment means requested by the customer is generated , The method comprising: generating a payment means ledger corresponding to the payment means, adding the generated payment means ledger to the account ledger corresponding to the payment account, adding the ledger as a first payment means ledger, It is preferable that the settlement means ledger information for operating the payment means for which the customer has requested the connection is generated and stored.

If it is determined that there is no first settlement means ledger corresponding to the first settlement means, a first settlement means ledger for storing settlement means ledger information for operating the settlement means requested by the customer is generated, And stores the created settlement means ledger information on the generated first settlement means ledger.

That is, when the customer having the first payment means for using part (or the entire amount) of the balance of the settlement account for transaction approval requests connection of the second payment means for using part (or the entire amount) of the settlement account balance for transaction approval, The method comprising: generating settlement means ledger information for operating the second settlement means in the account ledger corresponding to the settlement account; generating a settlement means ledger corresponding to the second settlement means; And processes the generated payment method ledger information to be included in the second payment means ledger.

Here, if the customer requests setting of a payment account use right for one or more payment means connected to the payment account, information on the payment account use right for each of the payment means is generated, It is preferable to store it in the payment means ledger corresponding to the payment means.

The server then generates (or extracts) a user interface for acquiring predetermined image content corresponding to the payment method connection application created by the customer through the predetermined image acquisition device at the terminal and transmitting the image content to the server 450 And transmits the created (or extracted) user interface to the terminal through the financial network (step 452).

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

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

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

According to an embodiment of the present invention, the server can directly transmit an image file including the image content received from the staff terminal 180 through the image receiving unit 120 to a plurality of payment means operated in association with the single settlement account It is desirable to process the settlement means connection application electronic document for.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information And a payment means for operating a plurality of payment means associated with the single payment account, to generate an electronic document corresponding to the image contents including the at least one of the image contents in the watermarking manner.

According to another embodiment of the present invention, the server receives a predetermined document file (e.g., a PDF (Portable Document Format) file including the image content received from the employee terminal 180 via the image receiving unit 120 , Or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), thereby operating a plurality of payment means associated with the single payment account It is desirable to generate a payment instrument connection application electronic document for the payment method connection.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information (E.g., a PDF (Portable Document Format) file or an Electronic Data Interchange (EDI) file containing the generated image content, ) File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), a settlement means connection application for operating a plurality of settlement means associated with the single settlement account, It is desirable to create a document.

According to another embodiment of the present invention, the server transmits the image content received from the employee terminal 180 through the image receiving unit 120 and the payment method connection application information received via the information receiving unit 115 A word processor file including at least one of a document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / DOC or the like) And so on), it is preferable to generate a payment method connection electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information (For example, a PDF (Portable Document Format) file) including the generated image content and the payment method connection application information, , Or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), thereby operating a plurality of payment means associated with the single payment account It is desirable to generate a payment instrument connection application electronic document for the payment method connection.

The present invention is not limited to the above-described exemplary embodiments, but may be modified and changed without departing from the spirit and scope of the invention. And the file format of the image file and / or the document file corresponding to the document file, the detailed description thereof will be omitted for the sake of convenience.

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

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 170 linked to a server on the payment means connection system through a predetermined communication means, The server may transmit the generated electronic document to the electronic document server 155 through the communication means and store the generated electronic document in the electronic document D / B 170. [

Alternatively, when the electronic document repository is provided on the DBMS provided in the payment means connection system, the server transmits the generated payment method connection electronic document to the electronic document repository on the DBMS provided in the payment means connection system It can be stored in the corresponding electronic document D / B 170, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, storing the electronic document in the electronic document repository by linking the payment method connection electronic document with predetermined electronic document management information, To the electronic document D / B (170).

Preferably, the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the electronic document associated with the payment means connection and the electronic document storage time information.

The electronic document management information may further include financial institution information that has transmitted the electronic document for requesting connection to the settlement means.

Further, the electronic document management information may include predetermined electronic document related information (e.g., financial institution information for transmitting the payment method connection application electronic document corresponding to the image content, customer information for creating the payment method connection application corresponding to the image content, and / / / Electronic document file format information, and / or payment means connection application information).

If the electronic document to be connected to the settlement means is stored in the electronic document repository (480), the server provides the settlement means connection request processing result to the terminal (485).

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

5A and 5B illustrate a case where the staff terminal 180 on the settlement means connection system shown in FIG. 1 is a window terminal 185 provided at a financial institution branch (or a branch office) 100 has a function of a ledger server (not shown) on the financial system linked with the counter terminal 185 through a predetermined financial network, a predetermined customer can use a plurality of payment means The customer information, and the settlement account information, the predetermined window terminal 185 transmits predetermined image content corresponding to the payment method connection application through the predetermined image acquisition device And transmits the settlement unit connection application information corresponding to the settlement unit connection application to the settlement unit connection system through the predetermined settlement unit connection request interface, Means for generating a connection request electronic document containing the image content and storing the electronic document in a predetermined electronic document repository when the image content obtained from the means connection application is provided, Information corresponding to the settlement means connection application and the settlement account information, and storing the information in the predetermined storage medium 175. Specifically, the method is performed by the window terminal 185, (Or selecting) the payment method connection application information corresponding to the payment method connection application and transmits the image content to the payment method operating server 100. [

Those skilled in the art will be able to refer to and / or modify the drawings 5a and 5b to transfer the settlement unit connection request information from the window terminal 185 to the settlement unit operation server 100 It should be understood that the present invention is not limited to the method shown in FIGS. 5A and 5B.

For example, in the embodiment shown in Figs. 5A and 5B, the window terminal 185 acquires predetermined image contents corresponding to the payment method connection application via a predetermined image acquisition device, and / It is described that the user interface for inputting (or selecting) the payment method connection application information corresponding to the connection application form is provided from the payment means operation server 100. However, In the case where the program is provided, the user interface may not be provided from the payment means operation server 100, and thus the present invention is not limited thereto.

Hereinafter, in FIG. 5A and FIG. 5B, the window terminal 185 shown in FIG. 1 is referred to as a "terminal" for convenience sake. The payment server operating server 100 shown in FIG. The customer information and settlement account information transmitted from the counter terminal 185 to the settlement means operating server 100 are referred to as " payment means connection application information "for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer creates and submits a payment means connection application including at least one customer information and payment account information for operating a plurality of payment means associated with a single payment account, A window terminal 185 is connected to the server through a predetermined financial network and is connected to a predetermined communication channel. In this state, a user for operating a plurality of payment means associated with a single payment account corresponding to the payment means connection application, In response to the request (500), the server inputs (or selects) the payment method connection application information corresponding to the payment method connection application created by the client at the terminal, A means for creating a user interface for acquiring predetermined image content corresponding to the means connection application and transmitting the image content to the server Extracts), and 505, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (510).

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

If the payment method connection application information including at least one of the customer information and the payment account information is inputted (or selected) (520) through the user interface, the terminal displays a predetermined image acquisition device And acquires the image content corresponding to the payment method connection application (525).

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

In step 540, the server receives and reads payment method connection application information including at least one of the customer information and payment account information through the financial network, and verifies the validity of the payment method connection application information.

According to an embodiment of the present invention, the validation of the payment method connection application information may be performed by connecting at least one or more than one (at least one) matching payment method connection application information to the ledger D / B 200 on the financial system associated with the payment method connection system And confirming whether the ledger information is registered.

For example, the validity checking unit 125 determines whether the customer information (customer personal information, member information, etc.) among the information included in the payment method connection application information is a ledger D / B 200 and the customer ledger stored in the B 200.

Alternatively, the validation of the payment method connection application information may be performed such that, among the information included in the payment method connection application information, the payment account information is stored in the ledger D / B 200 on the financial system associated with the payment means connection system And confirming whether it matches the account ledger connected to the customer ledger.

Alternatively, the validation of the payment method connection application information may be performed such that, among the information included in the payment method connection application information, the payment account information is stored in the ledger D / B 200 on the financial system associated with the payment means connection system And confirming whether it matches with the account ledger.

If it is determined that the account is matched with the account ledger, it is preferably checked whether the customer is a financial account owned by the customer through a customer ledger connected to the account ledger.

If the validity of the payment method connection application information is not authenticated (545), the server generates error information for the predetermined connection method connection request and transmits the error information to the terminal (550) The corresponding payment means connection procedure is not performed.

On the other hand, if the validity of the payment method connection application information is authenticated (545), the server confirms the account ledger corresponding to the payment account included in the payment method connection application information (551) (552) whether one or more payment method ledgers operating the payment means for processing the transaction approval are connected through a part (or the entire amount) of the payment account balance.

According to the method of the present invention, confirming whether or not one or more payment means ledgers operating a payment means for processing a transaction approval through the balance of the payment account included in the payment means connection application information is connected, Means for confirming the account ledger corresponding to the settlement account included in the means connection application information and confirming one or more ledgers connected to the verified account ledger, It is preferable to check whether one or more payment means ledgers operating the payment means for processing the payment means are connected.

Preferably, the settlement means ledger includes at least one electronic money settlement means ledger or a mobile phone settlement means ledger or a prepaid card clearing means ledger corresponding to each of the payment means.

If the settlement means ledger is not connected to the account ledger corresponding to the payment account in response to the check result (553), the server generates payment means ledger information for operating the payment means for requesting the connection (554), and stores the created settlement means ledger information in the first settlement means ledger (555).

On the other hand, if the settlement means ledger is connected to the account ledger corresponding to the payment account in response to the confirmation result (553), the server generates payment means ledger information for operating the payment means for requesting connection by the customer (556), creates a settlement means ledger corresponding to the settlement means to be connected to the settlement account (557), and adds the generated settlement means ledger to the Nth settlement means ledger of the account ledger corresponding to the settlement account (558), and stores the generated payment means ledger information in the linked Nth payment means ledger (559).

Here, connecting the created card ledge to a new card ledger other than the card ledger connected to the account ledger opens a virtual account with the account of the account corresponding to the account ledger as the parent account, To the newly generated card ledger.

According to the method of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to the account ledger corresponding to the payment account included in the received payment means connection request information, (M = N + 1) payment means ledger to the account ledger corresponding to the payment account after creating the payment means ledger corresponding to the payment means for which the customer requested the connection, And processing means for generating payment means ledger information for operating the payment means for requesting connection by the customer to the generated payment means ledger is generated and stored.

Also, if the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, payment method ledger information for operating the payment means requested by the customer is generated , The method comprising: generating a payment means ledger corresponding to the payment means, adding the generated payment means ledger to the account ledger corresponding to the payment account, adding the ledger as a first payment means ledger, It is preferable that the settlement means ledger information for operating the payment means for which the customer has requested the connection is generated and stored.

If it is determined that there is no first settlement means ledger corresponding to the first settlement means, a first settlement means ledger for storing settlement means ledger information for operating the settlement means requested by the customer is generated, And stores the created settlement means ledger information on the generated first settlement means ledger.

That is, when the customer having the first payment means for using part (or the entire amount) of the balance of the settlement account for transaction approval requests connection of the second payment means for using part (or the entire amount) of the settlement account balance for transaction approval, The method comprising: generating settlement means ledger information for operating the second settlement means in the account ledger corresponding to the settlement account; generating a settlement means ledger corresponding to the second settlement means; And processes the generated payment method ledger information to be included in the second payment means ledger.

Here, if the customer requests setting of a payment account use right for one or more payment means connected to the payment account, information on the payment account use right for each of the payment means is generated, It is preferable to store it in the payment means ledger corresponding to the payment means.

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

According to an embodiment of the present invention, the server can directly transmit an image file including the image content received from the staff terminal 180 through the image receiving unit 120 to a plurality of payment means operated in association with the single settlement account It is desirable to process the settlement means connection application electronic document for.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information And a payment means for operating a plurality of payment means associated with the single payment account, to generate an electronic document corresponding to the image contents including the at least one of the image contents in the watermarking manner.

According to another embodiment of the present invention, the server receives a predetermined document file (e.g., a PDF (Portable Document Format) file including the image content received from the employee terminal 180 via the image receiving unit 120 , Or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), thereby operating a plurality of payment means associated with the single payment account It is desirable to generate a payment instrument connection application electronic document for the payment method connection.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information (E.g., a PDF (Portable Document Format) file or an Electronic Data Interchange (EDI) file containing the generated image content, ) File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), a settlement means connection application for operating a plurality of settlement means associated with the single settlement account, It is desirable to create a document.

According to another embodiment of the present invention, the server transmits the image content received from the employee terminal 180 through the image receiving unit 120 and the payment method connection application information received via the information receiving unit 115 A word processor file including at least one of a document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / DOC or the like) And so on), it is preferable to generate a payment method connection electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the server may transmit the image information received from the employee terminal 180 through the image receiving unit 120 to the image information receiving unit 115, such as customer information, payment account information (For example, a PDF (Portable Document Format) file) including the generated image content and the payment method connection application information, , Or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), thereby operating a plurality of payment means associated with the single payment account It is desirable to generate a payment instrument connection application electronic document for the payment method connection.

The present invention is not limited to the above-described exemplary embodiments, but may be modified and changed without departing from the spirit and scope of the invention. And the file format of the image file and / or the document file corresponding to the document file, the detailed description thereof will be omitted for the sake of convenience.

Thereafter, the server stores the created payment method connection request electronic document in a predetermined electronic document repository (565).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 170 linked to a server on the payment means connection system through a predetermined communication means, The server may transmit the generated electronic document to the electronic document server 155 through the communication means and store the generated electronic document in the electronic document D / B 170. [

Alternatively, when the electronic document repository is provided on the DBMS provided in the payment means connection system, the server transmits the generated payment method connection electronic document to the electronic document repository on the DBMS provided in the payment means connection system It can be stored in the corresponding electronic document D / B 170, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, storing the electronic document in the electronic document repository by linking the payment method connection electronic document with predetermined electronic document management information, To the electronic document D / B (170).

Preferably, the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the electronic document associated with the payment means connection and the electronic document storage time information.

The electronic document management information may further include financial institution information that has transmitted the electronic document for requesting connection to the settlement means.

Further, the electronic document management information may include predetermined electronic document related information (e.g., financial institution information for transmitting the payment method connection application electronic document corresponding to the image content, customer information for creating the payment method connection application corresponding to the image content, and / / / Electronic document file format information, and / or payment means connection application information).

If the electronic document for payment method connection is stored in the electronic document repository (570), the server provides the payment method connection application processing result to the terminal (575).

FIG. 6 is a diagram showing a non-facing payment method connecting system for operating a plurality of payment means associated with a single settlement account according to another embodiment of the present invention.

FIG. 6 is a flowchart illustrating a payment process according to an exemplary embodiment of the present invention. Referring to FIG. 6, a predetermined customer connects to a payment means connection system via a predetermined payment means connection interface, When the means connection application information is provided, the payment means connection system generates a predetermined payment means connection request electronic document including the provided payment means connection application information, stores the electronic document in a predetermined electronic document storage, And the settlement means connection processing is performed based on the customer information and the settlement account information included in the settlement means connection system. More specifically, the system is configured such that the electronic document repository is connected to an external system And a method for implementing the same.

Those skilled in the art will be able to refer to and / or modify Figure 6 to deduce various implementations of a payment system connection system configuration for operating a plurality of payment means associated with a single payment account It should be understood, however, that the present invention includes all of the above-described methods of practicing the invention, and is not limited to the method shown in FIG.

For example, those skilled in the art will be able to refer to and / or modify the FIG. 6 to suggest how the electronic document repository is provided in the DBMS located within the payment means connection system It should be understood, however, that the present invention includes all of the above-described embodiments, and is not limited only to the embodiment shown in FIG.

In addition, according to the method shown in FIG. 6, the electronic document for connection to the settlement means is generated on the server side on the settlement means connection system, but the present invention is not limited thereto. The payment means connection application electronic document may be generated on the terminal side that inputs (or selects) the payment means connection application information (for example, the electronic document creation function provided on the server side is provided on the terminal side, Means connection application electronic document), and the present invention is not limited thereto.

Hereinafter, the settlement means connection application system shown in FIG. 6 receives the settlement means connection application information from the customer through a predetermined payment means connection interface, generates a predetermined settlement means connection application electronic document, And a component corresponding to at least one of the means and / or the functional configuration for processing the connection of the settlement means based on the customer information and the settlement account information included in the settlement means connection application information, 600).

Referring to FIG. 6 according to an embodiment of the present invention, a settlement means connection system for operating a plurality of payment means associated with the single settlement account includes a wire terminal and / or a wireless terminal used by a customer, And an employee terminal 685 including at least one or more terminals, etc., and the employee terminal 685 is connected to a payment means connection server 600 (600) provided on the payment means connection system through a predetermined network means ) And a communication channel are connected.

According to an embodiment of the present invention, the customer accesses the payment server connection server 600 through at least one client terminal among a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network (Or selects) payment method connection application information for operating a plurality of payment means associated with the single payment account through at least one or more user interfaces provided by the payment means connection server 600, To the payment means connection server 600 provided on the payment means connection system through the network means of the payment means.

Here, the wired terminal connected to the wired communication network is a collective term of all terminal devices connected to a TCP / IP (Broadcast Control Protocol / Internet Protocol) based communication network. The wired terminal is a desktop computer connected to the TCP / (KIOSK) connected to a TCP / IP-based communication network, or the like, or a home terminal (e.g., a refrigerator, a set-top-box, etc.) connected to the TCP / .

Also, the wireless terminal connected to the wireless communication network may be 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 / A Personal Communication System (PCS) connected to the CDMA-based (and / or HSDPA-based) mobile communication network, as a generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to the IEEE 802.11x- And / or a personal digital cellular (PDC) and / or a personal handyphone system (PHS) terminal and / or a personal digital assistant (PDA) And / or a smart phone and / or telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the IEEE 802.11x based A wireless LAN terminal connected to a wireless LAN, and the like.

In addition, the payment means connection server 600 connected to the client terminal may be connected to the Internet banking server and / or the wireless banking server and / or the telebanking server and / or the TV banking server according to the characteristics of the client terminal and the network means. And / or a separate web server for connection to the payment means.

The network means for connecting the client terminal and the settlement means connection server 600 may be a CDMA-based (and / or HSDPA-based) mobile communication network and / or an IEEE 802.16x based And / or a wireless network including all wireless networks including all wireless networks including a predetermined wireless network.

Also, the client terminal may output at least one user interface provided by the payment means connection server 600, input and / or select at least one information through the user interface, (For example, a browser program and a communication function, or a predetermined communication program and a communication function for communicating with the payment means connection server 600).

Those skilled in the art will readily be able to deduce the characteristics of the client terminal corresponding to at least one of the wired terminal and / or the wireless terminal, and a detailed description thereof will be omitted for the sake of convenience .

In the payment system connection system as described above, a client terminal including at least one of a wired terminal and / or a wireless terminal used by the customer, and at least one wired / wireless terminal connecting the client terminal and the payment means connection server (600) The communication network and / or the wireless communication network performs a function of a payment means connection interface for registering payment method connection application information for operating the plural payment means associated with the single payment account by the customer.

According to another embodiment of the present invention, the employee terminal 685 may include an ATM (automatic teller machine) (ATM) connected to a predetermined financial network (for example, a financial joint network), a cash dispenser (Not shown) including a cash dispenser (CD) and / or a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and / (And / or server) (not shown) provided in at least one or more organizations associated with a financial institution, and the present invention is not limited thereto.

In the above-mentioned payment means connection system, when the employee terminal 685 is the financial automation device (not shown), the connection between the financial automation device (not shown) and the financial automation device (not shown) The financial network connecting the server 600 performs a function of a payment means connection interface for registering the payment means connection application information for operating the plural payment means associated with the single payment account and / When the terminal 685 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) to the payment means connection server 600 And a payment means connection interface for registering the payment means connection application information for operating the plural payment means associated with the single payment account, and / or (And / or a server) (not shown) and the terminal (and / or server) (not shown) when the employee terminal 685 is a terminal The network connecting the server (not shown) and the settlement means connection server 600 includes a settlement means connection interface for registering settlement means connection application information for operating the plural settlement means associated with the single settlement account Function.

The storage medium 680 provided on the payment means connection system according to the present invention may be configured to transmit payment information to the customer terminal 685 based on payment information connection application information including at least one of the customer information and the settlement account information provided from the employee terminal 685, And payment means connection information including at least one of customer information, payment account information, and payment means information according to the connection of the payment means.

The customer information includes customer's personal information (e.g., customer's name, resident registration number, address, telephone number, mobile phone number, mail address, etc.), membership information of the customer (e.g., (E.g., member ID information, CIF (Customer Information File) number, etc.) provided in the customer ledger provided on the financial system in association with the payment means connection system corresponding to the customer by subscribing to the customer .

The settlement account information may include a part (or a part of) of the deposit deposited in the financial account in response to the request for settlement through one of the one or more financial accounts owned by the customer who created the payment method connection application, An account number, an account nickname, and a bank account name for the target financial account to be used for settlement of account information).

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

According to the method of the present invention, when the payment means is the check card payment means, the card number (for example, 16-digit card number) corresponding to the check card, the valid period information (optional in some cases) (Or code) for processing the card issuing organization information.

Or when the payment means is an electronic money payment means, the account information corresponding to the charge account for charging the electronic money, the validity period information corresponding to the validity period for the electronic money, It is preferable to include at least one of the management agency information.

Or if the payment means is a mobile phone payment means, it is preferable that the payment information includes mobile phone number information for processing a request for payment through the mobile phone, and customer information corresponding to the mobile phone number according to the intention and purpose of a person skilled in the art May be included.

Or when the payment means is the prepaid card payment means, account information corresponding to the prepaid card purchase deposit account for purchasing the prepaid card, validity period information for the prepaid card, and sales shop information for selling the prepaid card It is preferable to include at least one of them.

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According to an embodiment of the present invention, the storage medium 680 is preferably provided in a DBMS on a financial system provided on the payment means connection system (or in connection with the payment means connection system) The storage medium 680 may be a ledger D / B included in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and thus the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 680 may include an Internet banking system and / or a telebanking system and / or a wireless banking system provided (or associated) on the payment means connection system, and / And / or a TV banking system in a DBMS on at least one or more banking systems, and thus the present invention is not limited thereto.

The payment means connection server 600 provided on the payment means connection system according to the present invention is a collective term of the payment means connection system side components connected to the staff terminal 685 through a predetermined network means, The present invention can be embodied in at least one program including a server (or a device) and / or a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the employee terminal 685 is a client terminal including a wire terminal and / or a wireless terminal connectable to an Internet banking server on a predetermined Internet banking system, May be a predetermined Internet banking server provided on the Internet banking system and / or a program provided on the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system (Or apparatus), or a program provided to the server (or apparatus), and / or a server (or a server) provided on the financial system accessible via the Internet banking server (and / or the server (Or device), and / or may be a program provided in an external environment on the financial system, It shall be defined.

According to another embodiment of the present invention, when the employee terminal 685 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, A predetermined server (or a device) accessible to the financial system of the financial system via the wireless banking system, and / or a predetermined wireless banking server provided on the system, and / or a program included in the wireless banking server, Or a server (or device) provided in the external system on the financial system, which is accessible through the wireless banking server (and / or the server (or device)), And / or a program stored in an external environment on the financial system, and thus the present invention is not limited thereto.

According to another embodiment of the present invention, when the employee terminal 685 is a call terminal (not shown) connectable to a telephone banking server on a predetermined telephone banking system, (E. G., An ARS (Automatic Response Service) server) provided on the system, and / or a program included in the telebanking server, and / or via the telebanking system (Or device) accessible to the outside world, or a program contained in the server (or device), and / or the financial system accessible via the telecommunication server (and / or the server (Or device) provided in the external environment on the financial system, and / or a program provided in the external environment on the financial system, whereby the present invention is not limited No.

According to another embodiment of the present invention, when the employee terminal 685 is a wired terminal (or bidirectional digital TV) connected to a TV banking server on a predetermined TV banking system, A predetermined TV banking server provided on the TV banking system and / or a program provided on the TV banking server, and / or a predetermined server (or a server on the TV banking system) accessible on the financial system via the TV banking system (Or apparatus), or a program provided to the server (or apparatus), and / or a server (or a server) provided on the financial system accessible via the TV banking server (and / or the server Device), and / or a program stored in an external environment on the financial system, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the payment means connection server 600 includes an interface unit 605 (or interface means) for connecting and managing a predetermined communication channel with the employee terminal 685 through the network means .

According to an embodiment of the present invention, when the employee terminal 685 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, (Or data (or data)) of a client terminal by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program provided in the client terminal ) It is desirable to provide a communication interface for transmitting and receiving.

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

Alternatively, when the client terminal is provided with a communication program (for example, an Internet banking program) provided by the payment means connection server 600, the interface unit 605 transmits the communication program to the client terminal And provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

If the employee terminal 685 is connected to a predetermined financial network according to another embodiment of the present invention, the interface unit 605 may perform the financial automation based on the protocol stack defined in the financial network It is preferable to connect a predetermined communication channel with the device and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the financial automation device.

According to another embodiment of the present invention, when the employee terminal 685 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 transmits a protocol stack defined in the wireless communication network (Or data) transmission / reception using a communication protocol defined in a communication program provided in the client terminal, and to provide a communication interface for transmitting / receiving at least one piece of information (or data).

For example, if the client terminal is provided with a browser program corresponding to a wireless application protocol (WAP) and / or a mobile explorer (ME) protocol, the interface unit 605 transmits, (E.g., a Wireless Markup Language (WML) compliant web page, or an HTML compatible web page) and / or a communication interface for transmitting / receiving information using the WAP / ME protocol defined in the browser program .

Alternatively, when the client terminal is provided with a communication program (for example, an IC chip-based banking program, etc.) provided by the payment means connection server 600, the interface unit 605 transmits, And a communication interface for transmitting / receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the employee terminal 685 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 may communicate with the wired telephone network and / It is preferable to connect the call terminal with a call terminal based on a voice call protocol defined in the telephone network and to provide a communication interface for transmitting / receiving information (or data) based on the voice call.

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

According to another embodiment of the present invention, when the employee terminal 685 is a wired terminal (or a bidirectional digital TV) connected to the TV banking system, the interface unit 605 transmits the protocol stack defined in the TV banking system (Or bi-directional digital TV) based on at least one information (or bi-directional digital TV) using a communication protocol defined in a communication program provided in the wired terminal (or bidirectional digital TV) ) It is desirable to provide a communication interface for transmitting and receiving.

6, when the predetermined employee terminal 685 connects a predetermined communication channel with the payment server connection server 600 through the interface unit 605, At least one user interface (not shown) for inputting (or selecting) predetermined payment method connection application information from the employee terminal 685 to operate the plural payment means associated with the single payment account and transmitting the selected payment method connection application information to the payment means connection server 600 An interface providing unit 610 (or an interface providing unit) for generating (or extracting) the user interface and providing the generated (or extracted) user interface to the employee terminal 685 in association with the interface unit 605, When the employee terminal 685 inputs (or selects) the payment method connection application information through the user interface and transmits the payment method connection application information to the employee terminal 685 in association with the interface unit 605, And an information receiving unit 615 (or information receiving means) for receiving the payment method connection request information transmitted from the terminal 685.

After the employee terminal 685 connects the payment channel connection server 600 with the payment channel connection server 600 through the interface unit 605, the interface provider 610 transmits the predetermined communication channel to the payment channel connection server 600 (Or selects) a predetermined payment method connection application information from the employee terminal 685 and transmits the payment method connection application information to the payment means connection server 605 through the network means, when requesting a user interface for operating a plurality of payment means associated with the single payment account, (Or extracts) the user interface from the network (not shown) by interworking with the interface unit 605, and transmits the generated (or extracted) user interface to the network To the employee terminal (685) by means of the means.

According to an embodiment of the present invention, when the employee terminal 685 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 may include a browser program and / (Or extracts) a predetermined user interface that can be provided by the communication program, and provides the generated (or extracted) user interface to the client terminal through the interface unit 605. [

According to another embodiment of the present invention, when the employee terminal 685 is a financial automation apparatus connected to a predetermined financial network, the interface providing unit 610 provides a financial transaction related program (Or extracts) a predetermined user interface, and provides the generated (or extracted) user interface to the automated teller machine through the interface unit 605.

According to another embodiment of the present invention, when the employee terminal 685 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 may receive a browser program (Or extracts) a predetermined user interface that can be provided from the client terminal and / or the communication program, and provides the generated (or extracted) user interface to the client terminal through the interface unit 605. [

According to another embodiment of the present invention, when the employee terminal 685 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 transmits the call terminal (Or extracts) a user interface (e.g., an ARS-based user interface) generated (or extracted) through the interface unit 605 to the call terminal (not shown) .

According to another embodiment of the present invention, when the employee terminal 685 is a wired terminal (or bidirectional digital TV) connected to a TV banking system, the interface providing unit 610 receives the wired terminal (Or extracts) a user interface capable of being provided to the wired terminal (or the bidirectional digital TV) through the interface unit 605. In addition,

In accordance with another embodiment of the present invention, at least one or more users who input (or select) a predetermined payment means connection application information to the employee terminal 685 and transmit the application information to the payment means connection server 600 via the network means When a predetermined payment method connection application program having an interface is provided, a user interface for inputting (or selecting) predetermined payment method connection application information and transmitting the selected payment method connection application information to the payment method connection server 600 is generated Or the like) and providing it to the employee terminal 685 may be omitted, so that the present invention is not limited thereto.

Then, the employee terminal 685 inputs (or selects) the payment means connection application information including at least one of the customer information and the settlement account information through the user interface, connects the input (or selected) The information receiving unit 615 transmits the application information to the payment means connection server 600 through the network means in response to the payment information transmitted from the employee terminal 685 in association with the interface unit 605. [ And means connection application information is received.

According to the embodiment of the present invention, the employee terminal 685 transmits to the payment means connection server 600 the payment means connection request information including at least one of the customer information and the payment account information, (OTP) code generated by a predetermined OTP (One Time Password) generator and / or a predetermined password and / or security card information for confirming the validity of the payment means To the server (600).

According to the method of the present invention, the employee terminal 685 transmits payment method connection application information including at least one of the customer information and payment account information to at least one encryption method (e.g., symmetric key based encryption method and / 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 attaching a predetermined electronic signature to the payment method connection application information, To the payment means connection server 600. To this end, the employee terminal 685 may include at least one encryption key corresponding to the encryption method and / or at least one encryption key (Or an IC card) provided with the public key certificate and / or the public key certificate And a card reader for confirming a public certificate provided in the IC chip (or IC card).

Those skilled in the art will appreciate that the technical characteristics of various encryption schemes for encrypting the payment method connection application information and the technical features of attaching a predetermined electronic signature to the payment method connection application information The detailed description thereof will be omitted for the sake of convenience.

Referring to FIG. 6, the payment means connection server 600 receives the payment method connection application information transmitted from the employee terminal 685 through the information receiving unit 615, And a validity confirmation unit 620 (or validity confirmation means) for confirming whether or not the validation unit 620 satisfies the validity for operating the plurality of payment means associated with the single settlement account.

According to an embodiment of the present invention, the payment means connection application information includes at least one encryption method (e.g., a symmetric key based encryption method and / or a public key based encryption method and / or an electronic envelope based encryption method and / Key exchange based encryption method, etc.), the validity checking unit 620 transmits the encrypted payment method connection request information to at least one decoding method (e.g., symmetric key based decoding method, And / or a public key-based decryption method, and / or an electronic envelope-based decryption method, and / or a key exchange-based decryption method, and the like) to authenticate the validity of the received payment method connection application information.

Alternatively, if a predetermined digital signature is attached to the payment method connection application information, the validity confirmation unit 620 confirms the electronic signature attached to the payment method connection application information, It is desirable to certify the validity of the data.

If a person skilled in the art is familiar with the technical field of the present invention, it is possible to provide a technical characteristic of various decryption methods for decrypting the encrypted payment method connection application information, a technical characteristic of confirming the electronic signature attached to the payment method connection application information The detailed description thereof will be omitted for the sake of convenience.

In the case where the payment means connection request information received through the information receiving unit 615 includes a predetermined password for confirming the validity of the payment means connection request information according to the embodiment of the present invention, It is preferable that the validity of the received payment method connection application information is authenticated by comparing and authenticating the received password included in the payment method connection application information and the password provided corresponding to the customer on the DBMS Do.

Alternatively, if the payment method connection request information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the payment method connection application information, Authenticates the validity of the received payment means connection application information by comparing and authenticating the received security card information included in the payment method connection application information and the security card information provided in correspondence with the customer on the DBMS desirable.

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

According to the method of the present invention, the validation of the payment method connection application information may include checking at least one ledger information matching the payment method connection application information in the ledger D / B on the financial system associated with the payment method connection system And confirming whether or not it is registered.

For example, if the customer information (customer personal information, member information, or the like) among the information included in the payment method connection request information is the ledger D on the financial system associated with the payment means connection system / B, < / RTI >

Alternatively, the validation of the payment method connection application information may include checking whether the payment account information included in the payment method connection application information includes a customer ledger stored in the ledger D / B on the financial system associated with the payment means connection system, And confirming whether or not it matches the linked account ledger.

Alternatively, the validation of the payment method connection application information may include checking whether the payment account information included in the payment method connection application information includes the account ledger stored in the ledger D / B on the financial system associated with the payment means connection system, It is preferable to check whether or not matching is performed.

If it is determined that the account is matched with the account ledger, it is preferably checked whether the customer is a financial account owned by the customer through a customer ledger connected to the account ledger.

Referring to FIG. 1, when the validity of the payment method connection application information is authenticated through the validity checking unit 620, the payment server connection server 600 responds to the payment account included in the payment method connection application information (Or information confirming means) 635 for confirming whether at least one payment means ledger operating a payment means for processing a transaction approval through a part (or the entire amount) of the account balance is connected to the account ledger And a payment means ledger corresponding to one or more payment means on the account ledger corresponding to the payment account corresponding to the check result, And a settlement means ledger for storing the settlement means ledger information is generated, and the created payment means ledger is connected to the account ledger (Or a ledger processing means) for additionally connecting to the new payment means ledger other than the ledger, and for processing the generated payment means ledger information to be stored in the ledger of the new payment means .

When the validity of the payment method connection application information is authenticated through the validity checking unit 620, the information checking unit 635 checks whether the settlement account connection application information has been validated in the account ledger corresponding to the payment account included in the payment method connection application information, And confirms whether or not one or more payment means ledgers operating the payment means for processing the transaction approval are connected through a part (or the entire amount) of the balance.

According to the method of the present invention, confirming whether or not one or more payment means ledgers operating a payment means for processing a transaction approval through the balance of the payment account included in the payment means connection application information is connected, Means for confirming the account ledger corresponding to the settlement account included in the means connection application information and confirming one or more ledgers connected to the verified account ledger, It is preferable to check whether one or more payment means ledgers operating the payment means for processing the payment means are connected.

Preferably, the settlement means ledger includes at least one electronic money settlement means ledger or a mobile phone settlement means ledger or a prepaid card clearing means ledger corresponding to each of the payment means.

If the ledger processing unit 640 is connected to the payment ledger corresponding to one or more payment means on the account ledger corresponding to the payment account in response to the confirmation result, the ledger processing unit 640 operates the payment means for requesting connection by the customer And the payment means ledger is connected to a new payment means ledger other than the payment means ledger linked to the account ledger, And the generated payment means ledger information is stored in the new payment means ledger.

Here, connecting the created card ledge to a new card ledger other than the card ledger connected to the account ledger opens a virtual account with the account of the account corresponding to the account ledger as the parent account, To the newly generated card ledger.

According to the method of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to the account ledger corresponding to the payment account included in the received payment means connection request information, (M = N + 1) payment means ledger to the account ledger corresponding to the payment account after creating the payment means ledger corresponding to the payment means for which the customer requested the connection, And processing means for generating payment means ledger information for operating the payment means for requesting connection by the customer to the generated payment means ledger is generated and stored.

Also, if the payment means ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, payment method ledger information for operating the payment means requested by the customer is generated , The method comprising: generating a payment means ledger corresponding to the payment means, adding the generated payment means ledger to the account ledger corresponding to the payment account, adding the ledger as a first payment means ledger, It is preferable that the settlement means ledger information for operating the payment means for which the customer has requested the connection is generated and stored.

If it is determined that there is no first settlement means ledger corresponding to the first settlement means, a first settlement means ledger for storing settlement means ledger information for operating the settlement means requested by the customer is generated, And stores the created settlement means ledger information on the generated first settlement means ledger.

That is, when the customer having the first payment means for using part (or the entire amount) of the balance of the settlement account for transaction approval requests connection of the second payment means for using part (or the entire amount) of the settlement account balance for transaction approval, The method comprising: generating settlement means ledger information for operating the second settlement means in the account ledger corresponding to the settlement account; generating a settlement means ledger corresponding to the second settlement means; And processes the generated payment method ledger information to be included in the second payment means ledger.

Here, if the customer requests setting of a payment account use right for one or more payment means connected to the payment account, information on the payment account use right for each of the payment means is generated, It is preferable to store it in the payment means ledger corresponding to the payment means.

Referring to FIG. 6, when the validity of the payment method connection application information is authenticated through the validity checking unit 620, the payment server connection server 600 checks whether the payment method connection application information is valid An electronic document creation unit 625 (or an electronic document creation unit) for creating a payment method connection electronic document of the settlement unit connection application system, and an electronic document repository associated with the payment method connection system, And an electronic document transmission unit 645 (or electronic document transmission means).

The electronic document generating unit 625 generates a payment means connection request electronic document including the payment means connection application information received from the employee terminal 685 through the information receiving unit 615. [

According to an embodiment of the present invention, the electronic document generation unit 625 generates document information including at least one of customer information and settlement account information included in the payment method connection application information received through the information receiving unit 615, And a word processor file including at least one document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / And a web document file including the electronic document to be processed) with a payment means connection application electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the electronic document generation unit 625 may generate document contents including at least one customer information and payment account information included in the payment method connection application information received through the information receiving unit 615, (At least one of the customer information and the settlement account information included in the payment method connection application information) in a watermarking manner, and then displays a document file (e.g., a PDF file containing the document content including the watermarking (E.g., a portable document format) 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 settlement means connection application electronic document for the operation of the instrument.

Alternatively, the electronic document generation unit 625 may generate document contents including at least one customer information and payment account information included in the payment method connection application information received through the information receiving unit 615, (For example, image content generated by capturing the document contents on the memory) captured by the image forming apparatus, to a payment means connection application electronic document for operating a plurality of payment means associated with the single payment account It is preferable to treat them.

Alternatively, the electronic document generation unit 625 may generate document contents including at least one customer information and payment account information included in the payment method connection application information received through the information receiving unit 615, At least one of the customer information and the settlement account information included in the payment means connection application information is watermarked to the image content (for example, image content generated by capturing the document content in the memory) ), And then processes the image file including the image contents including the watermarking as a payment method connection electronic document for operating a plurality of settlement means associated with the single settlement account.

According to another embodiment of the present invention, the electronic document generation unit 625 generates a document including at least one customer information and settlement account information included in the payment method connection application information received through the information receiving unit 615 (E.g., a PDF (Portable Document Format) file including image contents (for example, image contents generated by capturing the document contents on a memory) captured by capturing the document contents, Or a web document file including an MHT, or the like) such as an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC and the like, It is desirable to process the payment method connection application electronic document.

Alternatively, the electronic document generation unit 625 may generate document contents including at least one customer information and payment account information included in the payment method connection application information received through the information receiving unit 615, At least one of the customer information and the settlement account information included in the payment means connection application information is watermarked to the image content (for example, image content generated by capturing the document content in the memory) ), And generates a document file (e.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) containing the image content including the watermarking Such as a word processor file containing at least one or a web document file containing MHT, The payment means connected to a plurality of payment means operating in conjunction with application it is desirable to handle electronically.

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

Alternatively, the electronic document generation unit 625 may generate document contents including at least one customer information and payment account information included in the payment method connection application information received through the information receiving unit 615, At least one of the customer information and the settlement account information included in the payment means connection application information is watermarked to the image content (for example, image content generated by capturing the document content in the memory) ), And generates a document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file including the image content including the watermarking and the payment method connection application information , Or a word processor file containing at least one of HWP / DOC, or a web document file containing MHT) Castle by, it is preferred to process a payment method, an electronic document application connection for a plurality of payment means operating in conjunction with the single payment account.

A technical feature that the electronic document generation unit 625 generates an electronic document for requesting connection to a payment means of an image file format and / or a predetermined document file format, if the person skilled in the art is familiar with the present invention; The technical features of the file format for the image file and / or the document file corresponding to the settlement means connection electronic document are known, and a detailed description thereof will be omitted for the sake of convenience.

The electronic document transferring unit 645 transfers the payment document connection request electronic document generated by the electronic document creation unit 625 to a predetermined electronic document repository associated with the payment means connection system, do.

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 655 and an electronic document D / B (refer to FIG. 6) 675, the electronic document transmission unit 645 transmits the payment document connection request electronic document generated by the electronic document generation unit 625 to the electronic document server (not shown) via the communication means 655).

Here, when the electronic document server 655 and the electronic document D / B 675 are provided outside the payment means connection system, the electronic document server 655 and the electronic document D / B 675 It is desirable to be managed by an authorized institution.

According to another embodiment of the present invention, when the electronic document repository is provided on the DBMS provided in the payment means connection system, the electronic document transmission unit 645 transmits the electronic document, It is possible to store the payment method connection application electronic document in the electronic document D / B 675 corresponding to the electronic document repository on the DBMS provided in the payment means connection system, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 645 transmits electronic document related information for generating predetermined electronic document management information (for example, the payment method connection application information) to the electronic document server 655 And / or the electronic document file format information and / or the payment method connection application information) transmitted by the user (and / or the customer information selected and transmitted (selected) and / or the payment means connection application electronic document) To the electronic document repository, and thus the present invention is not limited thereto.

Referring to FIG. 6, the payment means connection server 600 receives the payment means connection application information received through the information receiving unit 615 from the validity checking unit 620 through a plurality of payment means An information storage unit 650 for associating the customer information and the settlement account information included in the validated payment means connection application information and storing the combined information in a predetermined storage medium 680 And an information storage means).

When the validity confirmation unit 620 confirms the validity of the payment method connection application information, the information storage 650 associates the customer information and the payment account information included in the payment method connection application information, When the storage medium 680 is provided in the payment means connection server 600 or on a network connected to the payment means connection server 600, The information storage unit 650 preferably links the customer information and the settlement account information included in the received payment method connection application information and stores the combined information in the storage medium 680, When the DBMS is provided in the system, the information storage unit 650 stores the customer information and payment account information included in the received payment method connection application information through the external system on the financial system. It is preferable to store them in a DBMS provided on the financial system.

Referring to FIG. 6, the payment server connection server 600 provided on the payment means connection system receives a predetermined payment method connection request electronic document and stores and manages the electronic document in a predetermined electronic document D / B 675 The electronic document server 655 includes an electronic document receiving unit 660 (or electronic document receiving means) for receiving a predetermined electronic document to be connected to the payment means from the payment means connection server 600 through a predetermined communication means, An information generating unit 665 (or information generating means) for generating predetermined electronic document management information for storing and managing the received payment method connection application electronic document in the electronic document D / B 675, And an electronic document storage unit 670 (or electronic document storage means) for associating management information with the settlement unit connection request electronic document and storing the electronic document in a predetermined electronic document D / B 675. [

The electronic document receiving unit 660 receives an electronic document for requesting connection of a payment means connection in the form of an image file and / or a document file from the payment means connection server 600 through the communication means.

According to an embodiment of the present invention, the payment means connection electronic document received by the electronic document receiving unit 660 through the communication means is transmitted to the payment terminal connection server 600 through the payment (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file or a HWP / DOC (Electronic Data Interchange) file containing document contents including at least one of customer information and settlement account information included in the means connection application information Etc., or a web document file including MHT), and the like.

Alternatively, the settlement means connection application electronic document received by the electronic document receiving unit 660 through the communication means may be transmitted to the settlement means connection server 600 through the payment means connection application information received from the staff terminal 685 At least one of the customer information and the settlement account information included in the payment method connection application information is included in the document contents including at least one customer information and payment account information in a watermarking manner, A word processor file containing at least one or more of a document file (e.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file or an HWP / Document file, etc.).

Alternatively, the settlement means connection application electronic document received by the electronic document receiving unit 660 through the communication means may be transmitted to the settlement means connection server 600 through the payment means connection application information received from the staff terminal 685 And an image file including image contents (e.g., image contents generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information and payment account information .

Alternatively, the settlement means connection application electronic document received by the electronic document receiving unit 660 through the communication means may be transmitted to the settlement means connection server 600 through the payment means connection application information received from the staff terminal 685 (For example, image content generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information, payment account information, And billing account information in a watermarking manner and then includes an image file including image content including the watermarking.

According to another embodiment of the present invention, the payment means connection electronic document received by the electronic document receiving unit 660 through the communication means is transmitted to the payment terminal connection server 600 (E.g., image content generated by capturing the document content on a memory) captured by capturing document content including at least one of customer information and payment account information included in the payment method connection application information (E.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file, a word processor file containing at least one of HWP / DOC, etc., or a web document file including MHT) .

Alternatively, the settlement means connection application electronic document received by the electronic document receiving unit 660 through the communication means may be transmitted to the settlement means connection server 600 through the payment means connection application information received from the staff terminal 685 (For example, image content generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information, payment account information, (E.g., a PDF (Portable Document Format) file including the image content including the watermarking, or a document file including the watermarking An EDI (Electronic Data Interchange) file, or a word processor file containing at least one of HWP / DOC, or MHT Be made, including also the web document file) is preferred.

According to another embodiment of the present invention, the payment means connection electronic document received by the electronic document receiving unit 660 via the communication means is received from the staff terminal 685 through the payment means connection server 600 (For example, image contents generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information and payment account information included in one payment method connection application information, (E.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing a means connection application information, a word processor file containing at least one HWP / DOC, or MHT A web document file, etc.).

Alternatively, the settlement means connection application electronic document received by the electronic document receiving unit 660 through the communication means may be transmitted to the settlement means connection server 600 through the payment means connection application information received from the staff terminal 685 (For example, image content generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information, payment account information, (For example, a PDF file containing the image content including the watermarking and the payment method connection application information), and the settlement account information, Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC A word processor file, or a web document file including MHT).

The information generating unit 665 generates a predetermined electronic document unique number (or unique information) to be allocated to the payment method connection request electronic document received through the electronic document receiving unit 660, And the electronic document management information including the electronic document storage time information including the date and time when the payment method connection electronic document is received (or the date and time at which the payment method connection electronic document is stored) .

According to an embodiment of the present invention, the information generating unit 665 refers to the payment server connection server 600 that has transmitted the payment method connection application electronic document received through the electronic document receiver 660, It is desirable to identify the financial institution that transmitted the means connection application electronic document and generate the electronic document management information further including the confirmed financial institution information.

According to another embodiment of the present invention, when predetermined electronic document related information is further received from the settlement unit connection server 600 through the electronic document receiving unit 660, the information generating unit 665 generates the information And / or electronic document file format information (e. G., ≪ / RTI > , And / or the payment means connection application information, etc.).

The electronic document storage unit 670 associates the payment method connection request electronic document received through the electronic document receiving unit 660 with the electronic document management information generated through the information generating unit 665, D / B (675).

According to an embodiment of the present invention, the payment means connection electronic document stored in the electronic document D / B 675 by the electronic document storage unit 670 is transmitted to the payment terminal (E.g., a PDF (Portable Document Format) file or an Electronic Data Interchange (EDI) file) containing document contents including at least one of customer information and payment account information included in the payment means connection application information File, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the settlement means connection application electronic document stored in the electronic document D / B 675 by the electronic document storage unit 670 may be transmitted to the payment means connection server 600 via the payment means At least one or more of the customer information and the settlement account information included in the payment method connection application information is included in the document content including at least one of the customer information and the settlement account information included in the connection application information in a watermarking manner A word processor file including at least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) containing document contents including the watermarking, Or a web document file including MHT).

Alternatively, the settlement means connection application electronic document stored in the electronic document D / B 675 by the electronic document storage unit 670 may be transmitted to the payment means connection server 600 via the payment means An image file including image contents (for example, image contents generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information and payment account information included in connection request information .

Alternatively, the settlement means connection application electronic document stored in the electronic document D / B 675 by the electronic document storage unit 670 may be transmitted to the payment means connection server 600 via the payment means (For example, image content generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information and payment account information included in connection request information, And an image file including the image content including the watermarking after at least one of the customer information and the settlement account information included in the information is included in a watermarking manner.

According to another embodiment of the present invention, the payment means connection electronic document stored in the electronic document D / B 675 by the electronic document storage unit 670 is transmitted to the payment terminal connection server 600, (For example, an image generated by capturing the document content on a memory, which is obtained by capturing document contents including at least one or more pieces of customer information and payment account information included in the payment method connection application information received from the image forming apparatus 685, A word processor file containing at least one or more HWP / DOC files, or a web file containing an MHT, such as a document file (e.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) Document file, etc.).

Alternatively, the settlement means connection application electronic document stored in the electronic document D / B 675 by the electronic document storage unit 670 may be transmitted to the payment means connection server 600 via the payment means (For example, image content generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information and payment account information included in connection request information, (E.g., PDF (Portable), which includes image content including the watermarking, and generates at least one of the customer information and the settlement account information included in the information in a watermarking manner, Document Format) file, or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or MHT And a web document file including the web document).

According to another embodiment of the present invention, the payment means connection electronic document stored in the electronic document D / B 675 by the electronic document storage unit 670 is transmitted to the payment means connection server 600, Image contents captured by capturing document contents including at least one of customer information and settlement account information included in the payment method connection application information received from the terminal 685 (for example, Which includes at least one of a document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or an HWP / DOC) File, or a web document file including MHT).

Alternatively, the settlement means connection application electronic document stored in the electronic document D / B 675 by the electronic document storage unit 670 may be transmitted to the payment means connection server 600 via the payment means (For example, image content generated by capturing the document contents on a memory) captured by capturing document contents including at least one of customer information and payment account information included in connection request information, The image information including at least one of the customer information and the settlement account information included in the information in a watermarking manner and generating a document including the image content including the watermarking and the payment means connection application information File (e.g., a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file, or an HWP / DOC It comprises a web page file, and so on) that include the word-processor file, or MHT is preferred.

According to the embodiment of the present invention, the electronic document management information, which is stored in the electronic document D / B 675 in association with the electronic document storage unit 670, (Or unique information) assigned to the application electronic document and the electronic document storage time information.

According to an embodiment of the present invention, the electronic document management information, which is stored in the electronic document D / B 675 in association with the electronic document storage unit 670, And the financial institution information transmitting the confirmed settlement means connection request electronic document with reference to the settlement means connection server 600 that has transmitted the connection application electronic document.

According to another embodiment of the present invention, when predetermined electronic document related information is further received from the settlement unit connection server 600, the electronic document storage unit 670 may perform a linkage process with the payment method connection electronic document The electronic document management information to be stored in the electronic document D / B 675 includes information on the received electronic document (for example, customer information transmitted by inputting (selecting) the payment method connection application information, and / And / or electronic document file format information, and / or payment means connection application information), for example, in order to transmit the settlement means connection electronic document.

7 is a flowchart illustrating a payment method connection application information configuration stored in a ledger D / B 700 provided in a DBMS on a financial system in a non-facing manner for operating a plurality of payment means associated with a single payment account according to an embodiment of the present invention Fig.

7 shows a case where the storage medium 680 shown in FIG. 6 is a ledger D / B 700 provided in a DBMS on the financial system, the ledger information included in the ledger D / B 700 And the payment method connection application information including the customer information and the settlement account information are stored. As a person skilled in the art to which the present invention pertains, And / or modifying the payment method to store the payment method connection application information in the ledger D / B 700. However, the present invention includes all the methods to be inferred, The present invention is not limited to the method shown in Fig.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 700 provided in the DBMS on the financial system includes a predetermined customer ledger, a ledger associated with the customer ledger , A reception ledger, a loan ledger, etc.) and at least one or more pieces of information associated with the account ledger. If a person skilled in the art is familiar with the present invention, In addition to the customer ledger and the account ledger shown in FIG. 7, at least one ledger (e.g., a ledger, a collateral ledger, ...) and / or at least one It will be clear to those skilled in the art that more than one additional information is included and that the detailed description thereof will be familiar to those skilled in the art, The.

The customer ledger has a CIF (Customer Information File) number, a country code, a contact person ID, an account number, a customer classification, a customer name, a customer address, a region classification code, a telephone number, TRW, DB, Usage, Parent Company Number, Account Date, Cash Available Date, Last Name, Resident Registration Number, Company Address, Company Telephone Number, Mailing Location, Account Number, President, Industry, Legal Representative. At least one or more of the following: a name of the state, the name of the state, a transmission, a sex, a resident, a job, a mailing address, a company name, a guardian name, a guardian telephone number, And the customer ledger includes ledger information for a customer including at least one of an individual customer, an enterprise customer, and a minor.

Those skilled in the art will appreciate that the contents and features of the information contained in the customer ledger will be clearly understood, and a detailed description thereof will be omitted for the sake of convenience.

The account ledger is linked to the customer ledger in a relational manner and includes an account number, a CIF number, a point number, a currency, an opening date, a status, a product type, an interest rate, a password, a balance, a RB balance 1, a RB balance 2, , The account number, the current account number, the time extension, the time extension, the ARS setting, the final payment date, the final payment date, the final deposit amount, the final withdrawal amount, the number of transactions without transaction, the interest transfer account, (Number of days), period (number of days), period extension, expiration date, and target amount corresponding to the account ledger, and includes at least one or more of a number, an interest rate reference, a final interest calculation date, And / or the trust receipt information including at least one of the account number, the deposit amount, the face amount, the pension date, and the stock number corresponding to the account ledger, and / A transaction that includes at least one of an account number, a transaction number, a date, a point number, a product type, a transaction type, a current amount, a ROT point, a batch number, a complex transaction, And history information.

Those skilled in the art will clearly understand the contents and characteristics of the information included in the account ledger and the additional information structure, and therefore, detailed description thereof will be omitted for the sake of convenience.

The virtual account ledger is associated with the account ledger in a relational manner and includes at least one of a virtual account number, a virtual account attribute, a virtual account opening date, a parent account number, and the like.

Those skilled in the art will clearly understand the contents and characteristics of the information included in the virtual account ledger and the additional information configuration, and therefore, a detailed description thereof will be omitted for the sake of convenience.

Referring to FIG. 7, the payment means connection application information provided through the payment means connection system shown in FIG. 6 is stored in the form of additional information added to the virtual account ledger, Customer information, and settlement account information.

The customer information includes customer's personal information (e.g., customer's name, resident registration number, address, telephone number, mobile phone number, mail address, etc.), membership information of the customer (e.g., (E.g., member ID information, CIF (Customer Information File) number, etc.) provided in the customer ledger provided on the financial system in association with the payment means connection system corresponding to the customer by subscribing to the customer .

The settlement account information may include a part (or a part of) of the deposit deposited in the financial account in response to the request for settlement through one of the one or more financial accounts owned by the customer who created the payment method connection application, An account number, an account nickname, and a bank account name for the target financial account to be used for settlement of account information).

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

According to the method of the present invention, when the payment means is the check card payment means, the card number (for example, 16-digit card number) corresponding to the check card, the valid period information (optional in some cases) (Or code) for processing the card issuing organization information.

Or when the payment means is an electronic money payment means, the account information corresponding to the charge account for charging the electronic money, the validity period information corresponding to the validity period for the electronic money, It is preferable to include at least one of the management agency information.

Or if the payment means is a mobile phone payment means, it is preferable that the payment information includes mobile phone number information for processing a request for payment through the mobile phone, and customer information corresponding to the mobile phone number according to the intention and purpose of a person skilled in the art May be included.

Or when the payment means is the prepaid card payment means, account information corresponding to the prepaid card purchase deposit account for purchasing the prepaid card, validity period information for the prepaid card, and sales shop information for selling the prepaid card It is preferable to include at least one of them.

According to another embodiment of the present invention, the payment method connection application information is stored in the form of information included in the account ledger (not shown) and / or in a ledger other than the account ledger (e.g., a customer ledger) The form of additional information to be added, and / or the information form contained in a ledger other than the account ledger (for example, a customer ledger) are all possible, and thus the present invention is not limited thereto.

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

8A and 8B illustrate a case where the staff terminal 685 on the payment means connection system shown in FIG. 6 is a client terminal and the payment server connection server 600 connects the client terminal through a predetermined network means In the case of having a web server function, if a predetermined customer has a payment means connection application information including at least one customer information and payment account information through the client terminal for operating a plurality of payment means associated with the single payment account The settlement unit connection system generates a predetermined settlement unit connection request electronic document including the provided settlement unit connection application information and stores the generated electronic document in a predetermined electronic document repository, The customer information and the settlement account information are linked and stored in a predetermined storage medium 680 As shown in FIG. 8A and FIG. 8B, if the client terminal has a general knowledge in the technical field to which the present invention belongs, However, the present invention is not limited to the method shown in FIGS. 8A and 8B, including all of the above-described embodiments.

For example, in the embodiment shown in FIGS. 8A and 8B, the client terminal transmits a predetermined web page provided by the payment means connection server 600 to a user interface for inputting (or selecting) However, if the client terminal is provided with a predetermined payment means connection application program, the user interface may not be provided from the payment means connection server 600, and thus the present invention is not limited thereto. Or more.

Hereinafter, in FIG. 8A and FIG. 8B, the client terminal shown in FIG. 6 is referred to as a "terminal" for the sake of convenience, the payment server connection server 600 shown in FIG. 6 is referred to as " The payment information transmitted from the payment server connection server 600 to the payment server connection server 600 is referred to as " payment means connection application information "for convenience.

Referring to FIGS. 8A and 8B, when the client terminal shown in FIG. 6 is connected to a predetermined network means (for example, a TCP / IP based wired communication network when the client terminal is a wired terminal, (E.g., 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) When a web page including a user interface for operating a plurality of payment means associated with a payment account is requested (800), the server correspondingly transmits the payment means connection application information including at least one of the customer information and the settlement account information (Or extracts) a web page including a user interface for inputting (or selecting) and transmitting the web page to the server (805) A web page including the created (or extracted) user interface is transmitted to the terminal and output (810).

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page to the terminal by the server is performed at least once according to the payment information connection application information processing procedure, Or more.

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

If the terminal inputs (or selects) payment method connection application information including the customer information and settlement account information through the user interface in operation 820, the terminal displays the input (or selected) Customer information, and settlement account information to the server (825).

According to an embodiment of the present invention, the terminal transmits to a payment means connection application information including at least one of the customer information and the settlement account information, a predetermined password for confirming the validity of the payment means connection application information at the server, And / or an OTP code generated by a security card information and / or a predetermined OTP (One Time Password) generator, and transmits the OTP code to the server through the network means.

According to an embodiment of the present invention, the terminal transmits payment method connection application information including at least one of the customer information and settlement account information to at least one encryption method (e.g., symmetric key based encryption method and / Encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method), and / or attaches a predetermined electronic signature to the payment method connection application information, The terminal may include at least one encryption key corresponding to the encryption method, and / or may include a predetermined public key certificate including at least one encryption key, and / In the case where a public certificate is provided in a predetermined IC chip (or an IC card), the IC chip (or IC card) It is preferable that a card reader for confirming the authorized certificate is provided.

According to an embodiment of the present invention, the terminal transmits payment method connection application information including at least one of the customer information and settlement account information to at least one encryption method (e.g., symmetric key based encryption method and / The encryption method, and / or the electronic envelope-based encryption method and / or the key exchange-based encryption method), and transmits the encrypted data to the server through the network means. To this end, (Or IC card), if the authentication certificate includes at least one encryption key and / or at least one authentication certificate including at least one encryption key, and / or if the authentication certificate is provided in a predetermined IC chip It is preferable that a card reader for confirming a public certificate provided in the IC chip (or IC card) is provided.

Those skilled in the art will appreciate that the technical characteristics of various encryption schemes for encrypting the payment method connection application information and the technical features of attaching a predetermined electronic signature to the payment method connection application information The detailed description thereof will be omitted for the sake of convenience.

Thereafter, the server receives and reads the customer information and settlement account information through the communication channel, and verifies the validity of the payment method connection application information (830).

According to an embodiment of the present invention, the payment means connection application information includes at least one encryption method (e.g., a symmetric key based encryption method and / or a public key based encryption method and / or an electronic envelope based encryption method and / Key exchange based encryption method, etc.), the server transmits the encrypted payment method connection request information to at least one decoding method (e.g., a symmetric key based decoding method and / or a public key based method) corresponding to the encryption method A decryption method, and / or an electronic envelope-based decryption method, and / or a key exchange-based decryption method), thereby validating the validity of the received payment method connection application information.

Alternatively, if a predetermined electronic signature is attached to the payment method connection application information, the server authenticates the validity of the received payment method connection application information by checking the electronic signature attached to the payment method connection application information .

If a person skilled in the art is familiar with the technical field of the present invention, it is possible to provide a technical characteristic of various decryption methods for decrypting the encrypted payment method connection application information, a technical characteristic of confirming the electronic signature attached to the payment method connection application information The detailed description thereof will be omitted for the sake of convenience.

If the payment means connection request information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the payment means connection request information according to the embodiment of the present invention, It is preferable that the validity of the received payment method connection application information is authenticated by comparing and authenticating the received password included in the payment method connection application information and the password provided corresponding to the customer on the DBMS.

Alternatively, if the payment means connection application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the payment means connection application information, It is preferable that the validity of the received payment method connection application information is authenticated by comparing and authenticating the received security card information included in the application information with the security card information provided in correspondence with the customer on the DBMS.

Alternatively, if the payment method connection application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the payment method connection application information, Comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information corresponding to the customer on the DBMS to validate the received payment method connection application connection information .

According to an embodiment of the present invention, the validation of the payment method connection application information may be performed by connecting at least one or more (at least one) matching payment method connection application information to the ledger D / B 700 in the financial system associated with the payment method connection system And confirming whether the ledger information is registered.

For example, the validity checking unit 620 determines whether the customer information (customer personal information, member information, or the like) among the information included in the payment method connection application information is a ledger D / B 700 of the customer.

Alternatively, the validation of the payment method connection application information may be performed when the payment account information is stored in the ledger D / B 700 on the financial system associated with the payment means connection system, among the information included in the payment method connection application information And confirming whether it matches the account ledger connected to the customer ledger.

Alternatively, the validation of the payment method connection application information may be performed when the payment account information is stored in the ledger D / B 700 on the financial system associated with the payment means connection system, among the information included in the payment method connection application information And confirming whether it matches with the account ledger.

If it is determined that the account is matched with the account ledger, it is preferably checked whether the customer is a financial account owned by the customer through a customer ledger connected to the account ledger.

If the validity of the payment method connection application information is not authenticated (835), the server generates a web page including error information for a predetermined payment method connection application and transmits the web page to the terminal (840) And does not perform the connection procedure of the payment means corresponding to the means connection application information.

On the other hand, if the validity of the payment method connection application information is authenticated (835), the server confirms the account ledger corresponding to the payment account included in the payment method connection application information (841) (842) whether at least one card ledger operating a payment means for processing the transaction approval is connected through a part (or the whole amount) of the balance of the payment account.

According to the method of the present invention, checking whether or not at least one card ledger operating a payment means for processing a transaction approval through the balance of a payment account included in the payment means connection application information is connected, It is possible to first confirm the account ledger corresponding to the settlement account included in the connection application information, and confirm one or more ledgers connected to the confirmed account ledger to approve the transaction through the balance of the settlement account included in the payment method connection application information It is preferable to check whether or not one or more card ledgers operating the payment means for processing are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account (843), the server generates card ledger information for operating the payment means for requesting the connection (844 ), And stores the generated card ledger information in the first card ledger (845).

On the other hand, if the card ledger is connected to the account ledger corresponding to the payment account in response to the confirmation result (843), the server generates card ledger information for operating the payment means requested by the customer 846), creates a card ledger corresponding to the payment means to be connected to the customer (847), adds the generated card ledge to the Nth card ledger of the account ledger corresponding to the payment account, and connects (848) And stores the created card ledger information in the connected Nth card ledger (849).

Here, connecting the created card ledge to a new card ledger other than the card ledger connected to the account ledger opens a virtual account with the account of the account corresponding to the account ledger as the parent account, To the newly generated card ledger.

According to the method of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to the account ledger corresponding to the payment account included in the received payment means connection request information, (M = N + 1) payment means ledger to the account ledger corresponding to the payment account after creating the payment means ledger corresponding to the payment means for which the customer requested the connection, And processing means for generating payment means ledger information for operating the payment means for requesting connection by the customer to the generated payment means ledger is generated and stored.

If the card ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the controller generates card ledger information for operating the payment means for requesting connection by the customer, After the card ledger corresponding to the payment means is created, the generated card ledger is added to the first ledger of the account to the account ledger corresponding to the payment account, and the payment made to the generated card ledger by the customer It is preferable that the card issuance information for operating the means is generated and stored.

Here, if it is determined that there is no first card ledger corresponding to the first payment means, a first card ledger for storing card ledger information for operating the payment means for requesting connection of the customer is generated, It is preferable to store the generated card issuance information on the first card ledger.

That is, when the customer having the first payment means for using part (or the entire amount) of the balance of the settlement account for transaction approval requests connection of the second payment means for using part (or the entire amount) of the settlement account balance for transaction approval, Generating the card ledger information for operating the second payment means in the account ledger corresponding to the settlement account, creating a card ledger corresponding to the second payment means, adding the card ledger to the second ledger of the account ledger And processes the generated card ledger information to be included on the second card ledger.

Here, if the customer requests setting of a payment account use right for one or more payment means connected to the payment account, information on the payment account use right for each of the payment means is generated, It is preferable that the card is stored in the card ledger corresponding to the payment means.

Thereafter, the server generates (850) predetermined document contents including at least one customer information and settlement account information including the payment method connection application information, A document is generated (852).

According to an embodiment of the present invention, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores a document file including the document contents For example, a word processor file including at least one of a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file or a HWP / DOC, or a web document file including an MHT) It is preferable to process the settlement means connection application electronic document for operating the linked plural payment means.

Alternatively, the server may generate document contents including at least one of the customer information and the settlement account information included in the received payment method connection application information, and store, in the document content, customer information, (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file including document contents including the watermarking, after at least one of the payment account information is watermarked, File, a word processor file including at least one of HWP / DOC, or a web document file including MHT) as a payment means connection electronic document for operating a plurality of payment means associated with the single payment account .

Alternatively, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores image contents (for example, the document An image file including image contents generated by capturing contents on a memory) is processed as a payment request connection electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores image contents (for example, the document (Image contents generated by capturing contents in a memory), at least one of the customer information and the settlement account information included in the payment method connection application information is watermarked, and then the image including the watermarking It is preferable that the image file containing the content is processed as a payment method connection application electronic document for operating a plurality of payment means associated with the single payment account.

According to another embodiment of the present invention, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, captures the document contents, (For example, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file, or a HWP / DOC (Electronic Data Interchange) file) containing one image content (for example, image content generated by capturing the document content on a memory) , Or a web document file including the MHT), and then processing the electronic document as a settlement means connection electronic document for operating a plurality of settlement means associated with the single settlement account .

Alternatively, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores image contents (for example, the document Generating image content including at least one of customer information and settlement account information included in the payment method connection application information in a watermarking manner in an image content created by capturing content in a memory, (E.g., a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file, or a word processor file containing at least one HWP / DOC, or MHT For example, a web document file, for example, It is preferable that processing means connected to the electronic document application.

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

Alternatively, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores image contents (for example, the document Generating image content including at least one of customer information and settlement account information included in the payment method connection application information in a watermarking manner in an image content created by capturing content in a memory, (E.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC file containing the image content including the marking and the payment means connection application information A processor file, or a web document file containing MHT) The it is desirable to process a payment means connected to the electronic document application for multiple payment methods operate.

The present invention is not limited to the above-described exemplary embodiments, but may be modified and changed without departing from the spirit and scope of the invention. And the file format of the image file and / or the document file corresponding to the document file, the detailed description thereof will be omitted for the sake of convenience.

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

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 655 and an electronic document D / B 675 linked to a server on the payment means connection system through a predetermined communication means, It is preferable that the server transmits the created electronic document to the electronic document server 655 via the communication means and stores the electronic document in the electronic document D / B 675.

Alternatively, when the electronic document repository is provided on the DBMS provided in the payment means connection system, the server transmits the generated payment method connection electronic document to the electronic document repository on the DBMS provided in the payment means connection system It can be stored in the corresponding electronic document D / B 675, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, storing the electronic document in the electronic document repository by linking the payment method connection electronic document with predetermined electronic document management information, And storing it in the electronic document D / B (675).

Preferably, the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the electronic document associated with the payment means connection and the electronic document storage time information.

The electronic document management information may further include financial institution information that has transmitted the electronic document for requesting connection to the settlement means.

Also, the electronic document management information may include predetermined electronic document related information (e.g., customer information transmitted by inputting (selecting) the payment method connection application information, and / or financial institution information , And / or electronic document file format information, and / or payment means connection application information).

If the electronic document to be associated with the settlement means is stored in the electronic document repository (860), the server provides the settlement means connection request processing result to the terminal (865).

FIGS. 9A, 9B and 9C illustrate a process of processing payment method connection application information through a non-face financial transaction channel for operation of a plurality of payment means associated with a single payment account according to an embodiment of the present invention .

9A, 9B, and 9C are diagrams illustrating a case where the settlement means connection system shown in FIG. 6 is implemented through an Internet banking system among non-face financial transaction channels (that is, The client terminal connects to the Internet banking server through a TCP / IP-based network (e.g., the Internet) and performs a predetermined client authentication procedure in the case where the payment means connection server 600 on the system is an Internet banking server When the client terminal transmits a predetermined payment method connection application information for operating a plurality of payment means associated with a single payment account to the Internet banking server, the Internet banking server transmits the payment method connection application information And stores the electronic document in a predetermined electronic document repository, The customer information and the settlement account information included in the settlement application information are linked and stored in a predetermined storage medium 680. As a person skilled in the art to which the present invention pertains, It is possible to refer to various methods of registering the payment method connection application information through other kinds of non-face financial transaction channels by referring to and / or modifying the above-mentioned method 9a, 9b and 9c, But it is not limited to the method shown in Figs. 9a, 9b and 9c.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer and / or Netscape's Netscape Navigator) provided in the client terminal in FIGS. 9A, 9B, An Internet banking-based financial transaction channel for processing the payment means connection application information is connected between the client terminal and the Internet banking server on the basis of the browser program. However, in the present invention, Referring to and / or modifying an Internet banking-based financial transaction channel connection method using the browser program shown in Figs. 9a, 9b, and 9c, the client terminal And internet banking book The present invention can be applied to an Internet banking-based financial transaction based on the Internet banking program, wherein the Internet banking-based financial transaction is based on the Internet banking program, The present invention is not limited thereto.

In addition, those skilled in the art will be able to refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 9a, 9b, and 9c, It is possible to deduce an implementation method of connecting a non-facing channel-based financial transaction channel for payment method connection application information processing in another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system, Includes all types of non-face-based channel based financial transactions, including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the proposed non-face-to-face channel banking system, It is by no means limited to the case of the Internet banking shown in Figs. 9a, 9b and 9c.

Hereinafter, in the figures 9a, 9b and 9c, the client terminal is referred to as a " terminal " for convenience, and the Internet banking server corresponding to the payment means connection server 600 is referred to as "server"

Referring to FIGS. 9a, 9b and 9c, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server transmits the browser- (Or extracting) a predetermined web page in response to a request of a browser program provided in the terminal, and transmitting the generated web page to the terminal (905a) (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 a predetermined Internet banking program is provided in the terminal, the server transmits the Internet banking program and at least one or more pieces of information Data) can be allocated to the communication channel.

Thereafter, the server may include a predetermined security module for Internet banking installed in a predetermined web page (for example, an Internet banking main page) generated (or extracted) for providing to the terminal, and / A predetermined script for confirming whether or not to update the security module is added to the terminal so that the terminal is provided with a predetermined security module for internet banking and / (910a).

According to another embodiment of the present invention, when a predetermined Internet banking program is provided in the terminal, the server requests the version information and / or the latest update date information with the Internet banking program, so that the Internet banking program (and / Or a security module associated with an Internet banking program, etc.).

If a predetermined security module is to be loaded and / or updated in the terminal (915a), the server transmits a security module for the latest version of the Internet banking to the terminal according to a remote program installation procedure defined in the browser program (920a). ≪ / RTI >

If it is not necessary to install and / or update the latest version of the security module for Internet banking in the terminal (925a), or if it is not necessary to install and / or update the security module for Internet banking in the terminal (915a) A security channel for Internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is switched to a secure channel) by activating a security module for Internet banking installed in the terminal, The channel means a method of attaching a predetermined electronic signature to information (or data) requiring security among information (or data) included in a web page to be provided to the terminal by the server and / And / or an encryption algorithm), the terminal can verify the digital signature and / or verify the encryption scheme (and / (Or data) by a predetermined decoding method (and / or a decryption algorithm) corresponding to the connection request information processing request information The digital signature may be verified by the server and / or the encryption method (and / or encryption algorithm) may be performed by attaching a predetermined digital signature to the information (or data) and / (Or data) to be decrypted by a predetermined decryption method (and / or a decryption algorithm) corresponding to the encryption method (and / or encryption algorithm).

According to another embodiment of the present invention, when a predetermined Internet banking program is provided in the terminal, the Internet banking-based secure channel transmits information (or information to be provided to the terminal from the server in accordance with a communication protocol defined in the Internet banking program (And / or encryption algorithm) to the terminal, and / or the encryption method (and / or the encryption algorithm and / or encryption algorithm) Means for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (encryption algorithm) Attaching a predetermined electronic signature to the information (or data) to be provided and / (And / or encryption algorithm) corresponding to the encryption method (and / or the encryption algorithm), the server checks the digital signature and / or decrypts the digital signature using a predetermined decryption method (and / Algorithm) to decode the information (or data).

According to the present invention, the security module performs a function of attaching and / or encrypting and / or protecting the information (or data) using the customer's authorized certificate installed in the terminal .

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

According to an embodiment of the present invention, the internet banking customer authentication process may be performed such that the customer transmits predetermined Internet banking-based customer authentication data (for example, ID / PW registered in the Internet banking application process, (Or generating) the customer authentication data and transmitting the generated customer authentication data to the server, the server authenticates the customer who is accessed through the terminal based on the customer authentication data as an Internet banking customer, May be digitally signed and / or encrypted and transmitted over the secure channel.

According to another embodiment of the present invention, the Internet banking customer authentication procedure may be performed such that the customer transmits predetermined Internet banking-based customer authentication data (for example, an ID / PW registered in the Internet banking application process, Etc.) to the authentication server and transmits the authentication result to the authentication server, the authentication server authenticates the customer who is connected via the terminal based on the customer authentication data as an Internet banking customer, and provides the result to the server Wherein the client authentication data includes authentication certificate-based authentication data, and the authentication server is a server for authenticating the authentication-based authentication data.

Then, the terminal inputs (or generates) predetermined client authentication data according to the request, digitally signs and / or encrypts the client authentication data through the security module, and transmits it to the server (and / or the authentication server) (940a), and the server (and / or the authentication server) authenticates the customer who is connected through the terminal based on the customer authentication data received from the terminal, as an Internet banking customer for non-facing channel based financial transaction (945a).

If the authentication of the Internet banking client fails (950a), the server blocks the secure channel for Internet banking (955a), and processes the Internet banking based financial transaction through the terminal.

On the other hand, if the authentication of the Internet banking customer is successful (950a), the server converts the security channel for Internet banking into an Internet banking-based financial transaction channel in connection with a security module provided in the terminal (960a) The term "financial transaction channel" means a communication channel through which the terminal transmits and receives predetermined payment means connection application information for operating a plurality of payment means associated with a single payment account to the server.

Then, the terminal requests a web page including a user interface for operating a plurality of payment means associated with the single payment account to the server through an Internet banking-based financial transaction channel (900b) (Or extracts) a web page including a user interface for inputting (or selecting) payment method connection application information including at least one of customer information, payment account information, and the like to the server (905b) Transmits a web page including the created (or extracted) user interface to the terminal through a banking-based financial transaction channel (step 910b).

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) payment information connection application information including at least one of customer information and settlement account information at the terminal, Or security card information (for example, security printed on the security card issued to the customer in the Internet banking application process) to confirm the validity of the Internet banking customer requesting registration of the payment method connection application information One-time password generated through an OTP authenticator (or an OTP authentication program) provided to a customer by a financial institution (for example, an Internet banking application process (or an application for Internet banking)) or an OTP It is preferable to further include a user interface for input.

In addition, it is preferable that the process of transmitting and / or outputting the web page to the terminal is performed at least once according to the payment information connection application information processing procedure, and thus the present invention is not limited thereto.

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

If the terminal inputs (or selects) payment method connection application information including the customer information and settlement account information through the user interface (920b), the terminal receives the input (or selection) through the financial transaction channel, To the server (925b).

According to an embodiment of the present invention, the terminal transmits to a payment means connection application information including at least one of the customer information and the settlement account information, a predetermined password for confirming the validity of the payment means connection application information at the server, And / or an OTP code generated by a security card information and / or a predetermined OTP (One Time Password) generator, and transmits the OTP code to the server through the network means.

According to an embodiment of the present invention, the terminal transmits payment method connection application information including at least one of the customer information and settlement account information to at least one encryption method (e.g., symmetric key based encryption method and / Encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method), and / or attaches a predetermined electronic signature to the payment method connection application information, The terminal may include at least one encryption key corresponding to the encryption method, and / or may include a predetermined public key certificate including at least one encryption key, and / In the case where a public certificate is provided in a predetermined IC chip (or an IC card), the IC chip (or IC card) It is preferable that a card reader for confirming the authorized certificate is provided.

According to an embodiment of the present invention, the terminal transmits payment method connection application information including at least one of the customer information and settlement account information to at least one encryption method (e.g., symmetric key based encryption method and / The encryption method, and / or the electronic envelope-based encryption method and / or the key exchange-based encryption method), and transmits the encrypted data to the server through the network means. To this end, (Or IC card), if the authentication certificate includes at least one encryption key and / or at least one authentication certificate including at least one encryption key, and / or if the authentication certificate is provided in a predetermined IC chip It is preferable that a card reader for confirming a public certificate provided in the IC chip (or IC card) is provided.

Those skilled in the art will appreciate that the technical characteristics of various encryption schemes for encrypting the payment method connection application information and the technical features of attaching a predetermined electronic signature to the payment method connection application information The detailed description thereof will be omitted for the sake of convenience.

Then, the server receives and reads the payment method connection application information through the financial transaction channel, and confirms the validity of the payment method connection application information (930b).

According to an embodiment of the present invention, the payment means connection application information includes at least one encryption method (e.g., a symmetric key based encryption method and / or a public key based encryption method and / or an electronic envelope based encryption method and / Key exchange based encryption method, etc.), the server transmits the encrypted payment method connection request information to at least one decoding method (e.g., a symmetric key based decoding method and / or a public key based method) corresponding to the encryption method A decryption method, and / or an electronic envelope-based decryption method, and / or a key exchange-based decryption method), thereby validating the validity of the received payment method connection application information.

Alternatively, if a predetermined electronic signature is attached to the payment method connection application information, the server authenticates the validity of the received payment method connection application information by checking the electronic signature attached to the payment method connection application information .

If a person skilled in the art is familiar with the technical field of the present invention, it is possible to provide a technical characteristic of various decryption methods for decrypting the encrypted payment method connection application information, a technical characteristic of confirming the electronic signature attached to the payment method connection application information The detailed description thereof will be omitted for the sake of convenience.

If the payment means connection request information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the payment means connection request information according to the embodiment of the present invention, It is preferable that the validity of the received payment method connection application information is authenticated by comparing and authenticating the received password included in the payment method connection application information and the password provided corresponding to the customer on the DBMS.

Alternatively, if the payment means connection application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the payment means connection application information, It is preferable that the validity of the received payment method connection application information is authenticated by comparing and authenticating the received security card information included in the application information with the security card information corresponding to the customer on the DBMS.

Alternatively, if the payment method connection application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the payment method connection application information, Comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information corresponding to the customer on the DBMS to validate the received payment method connection application connection information .

According to an embodiment of the present invention, the validation of the payment method connection application information may be performed by connecting at least one or more (at least one) matching payment method connection application information to the ledger D / B 700 in the financial system associated with the payment method connection system And confirming whether the ledger information is registered.

For example, the validity checking unit 620 determines whether the customer information (customer personal information, member information, or the like) among the information included in the payment method connection application information is a ledger D / B 700 of the customer.

Alternatively, the validation of the payment method connection application information may be performed when the payment account information is stored in the ledger D / B 700 on the financial system associated with the payment means connection system, among the information included in the payment method connection application information And confirming whether it matches the account ledger connected to the customer ledger.

Alternatively, the validation of the payment method connection application information may be performed when the payment account information is stored in the ledger D / B 700 on the financial system associated with the payment means connection system, among the information included in the payment method connection application information And confirming whether it matches with the account ledger.

If it is determined that the account is matched with the account ledger, it is preferably checked whether the customer is a financial account owned by the customer through a customer ledger connected to the account ledger.

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

On the other hand, if the validity of the payment method connection application information is authenticated (935b), the server confirms the account ledger corresponding to the payment account included in the payment method connection application information (941b) A part (or the entire amount) of the settlement account balance is checked (942b) whether one or more card issuers operating the payment means for processing the transaction approval are connected.

According to the method of the present invention, checking whether or not at least one card ledger operating a payment means for processing a transaction approval through the balance of a payment account included in the payment means connection application information is connected, It is possible to first confirm the account ledger corresponding to the settlement account included in the connection application information, and confirm one or more ledgers connected to the confirmed account ledger to approve the transaction through the balance of the settlement account included in the payment method connection application information It is preferable to check whether or not one or more card ledgers operating the payment means for processing are connected.

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

On the other hand, if the card ledger is connected to the account ledger corresponding to the payment account in response to the check result (943b), the server generates card ledger information for operating the payment means requested by the customer 946b, creates a card ledger corresponding to the payment means to be connected to the customer (947b), attaches the generated card ledge to the Nth card ledge of the account ledger corresponding to the payment account, and connects (948b) And stores the generated card ledger information in the connected Nth card ledger (949b).

Here, connecting the created card ledge to a new card ledger other than the card ledger connected to the account ledger opens a virtual account with the account of the account corresponding to the account ledger as the parent account, To the newly generated card ledger.

According to the method of the present invention, when N (N = 1, 2, ..., n) payment means ledgers are connected to the account ledger corresponding to the payment account included in the received payment means connection request information, (M = N + 1) payment means ledger to the account ledger corresponding to the payment account after creating the payment means ledger corresponding to the payment means for which the customer requested the connection, And processing means for generating payment means ledger information for operating the payment means for requesting connection by the customer to the generated payment means ledger is generated and stored.

If the card ledger is not connected to the account ledger corresponding to the payment account included in the received payment means connection request information, the controller generates card ledger information for operating the payment means for requesting connection by the customer, After the card ledger corresponding to the payment means is created, the generated card ledger is added to the first ledger of the account to the account ledger corresponding to the payment account, and the payment made to the generated card ledger by the customer It is preferable that the card issuance information for operating the means is generated and stored.

Here, if it is determined that there is no first card ledger corresponding to the first payment means, a first card ledger for storing card ledger information for operating the payment means for requesting connection of the customer is generated, It is preferable to store the generated card issuance information on the first card ledger.

That is, when the customer having the first payment means for using part (or the entire amount) of the balance of the settlement account for transaction approval requests connection of the second payment means for using part (or the entire amount) of the settlement account balance for transaction approval, Generating the card ledger information for operating the second payment means in the account ledger corresponding to the settlement account, creating a card ledger corresponding to the second payment means, adding the card ledger to the second ledger of the account ledger And processes the generated card ledger information to be included on the second card ledger.

Here, if the customer requests setting of a payment account use right for one or more payment means connected to the payment account, information on the payment account use right for each of the payment means is generated, It is preferable that the card is stored in the card ledger corresponding to the payment means.

Thereafter, the server generates a predetermined document content including at least one customer information and settlement account information including the payment method connection application information (950c), and transmits a predetermined payment means connection request containing the document content A document is generated (953c).

According to an embodiment of the present invention, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores a document file including the document contents For example, a word processor file including at least one of a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file or a HWP / DOC, or a web document file including an MHT) It is preferable to process the settlement means connection application electronic document for operating the linked plural payment means.

Alternatively, the server may generate document contents including at least one of the customer information and the settlement account information included in the received payment method connection application information, and store, in the document content, customer information, (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file including document contents including the watermarking, after at least one of the payment account information is watermarked, File, a word processor file including at least one of HWP / DOC, or a web document file including MHT) as a payment means connection electronic document for operating a plurality of payment means associated with the single payment account .

Alternatively, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores image contents (for example, the document An image file including image contents generated by capturing contents on a memory) is processed as a payment request connection electronic document for operating a plurality of payment means associated with the single payment account.

Alternatively, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores image contents (for example, the document (Image contents generated by capturing contents in a memory), at least one of the customer information and the settlement account information included in the payment method connection application information is watermarked, and then the image including the watermarking It is preferable that the image file containing the content is processed as a payment method connection application electronic document for operating a plurality of payment means associated with the single payment account.

According to another embodiment of the present invention, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, captures the document contents, (For example, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file, or a HWP / DOC (Electronic Data Interchange) file) containing one image content (for example, image content generated by capturing the document content on a memory) , Or a web document file including the MHT), and then processing the electronic document as a settlement means connection electronic document for operating a plurality of settlement means associated with the single settlement account .

Alternatively, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores image contents (for example, the document Generating image content including at least one of customer information and settlement account information included in the payment method connection application information in a watermarking manner in an image content created by capturing content in a memory, (E.g., a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file, or a word processor file containing at least one HWP / DOC, or MHT For example, a web document file, for example, It is preferable that processing means connected to the electronic document application.

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

Alternatively, the server generates document contents including at least one of customer information and settlement account information included in the received payment method connection application information, and stores image contents (for example, the document Generating image content including at least one of customer information and settlement account information included in the payment method connection application information in a watermarking manner in an image content created by capturing content in a memory, (E.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC file containing the image content including the marking and the payment means connection application information A processor file, or a web document file containing MHT) The it is desirable to process a payment means connected to the electronic document application for multiple payment methods operate.

The present invention is not limited to the above-described exemplary embodiments, but may be modified and changed without departing from the spirit and scope of the invention. And the file format of the image file and / or the document file corresponding to the document file, the detailed description thereof will be omitted for the sake of convenience.

Thereafter, the server stores the generated payment instrument connection request electronic document in a predetermined electronic document repository (955c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 655 and an electronic document D / B 675 linked to a server on the payment means connection system through a predetermined communication means, It is preferable that the server transmits the created electronic document to the electronic document server 655 via the communication means and stores the electronic document in the electronic document D / B 675.

Alternatively, when the electronic document repository is provided on the DBMS provided in the payment means connection system, the server transmits the generated payment method connection electronic document to the electronic document repository on the DBMS provided in the payment means connection system It can be stored in the corresponding electronic document D / B 675, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, storing the electronic document in the electronic document repository by linking the payment method connection electronic document with predetermined electronic document management information, And storing it in the electronic document D / B (675).

Preferably, the electronic document management information includes a predetermined electronic document unique number (or unique information) assigned to the electronic document associated with the payment means connection and the electronic document storage time information.

The electronic document management information may further include financial institution information that has transmitted the electronic document for requesting connection to the settlement means.

Also, the electronic document management information may include predetermined electronic document related information (e.g., customer information transmitted by inputting (selecting) the payment method connection application information, and / or financial institution information , And / or electronic document file format information, and / or payment means connection application information).

If the electronic document for payment method connection is stored in the electronic document repository (960c), the server provides the payment method connection application connection processing result to the terminal (965c).

100: payment means operation server 105:
110: interface providing unit 115: information receiving unit
120: image receiving unit 125: validity checking unit
130: Information verification unit 135:
140: information generation unit 145: electronic document generation unit
150: electronic document transmission unit 153: information storage unit
155: electronic document server 160: electronic document receiver
163: Information Generation Unit 165: Electronic Document Storage Unit
170: electronic document D / B 175: storage medium
180: Employee terminal 185:

Claims (6)

There is provided a method for executing a payment method using a server connected to a payment account of a customer opened in a financial company and payment means to be used for payment using the mobile phone of the customer,
A first step of receiving settlement means connection application information for requesting connection of a settlement account of the customer name opened in a financial company from a program provided in a specific customer's mobile phone with a first settlement means to be used for settlement using the customer's mobile phone ;
A second step of processing the validity of the customer information, the settlement account information, and the first payment means information included in the payment method connection application information to be authenticated; And
A third step of generating a first virtual number for mapping the settlement account of the customer name and the first payment means at the time of validity authentication of the settlement means connection application information and mapping and registering the settlement account of the customer name with the settlement means How to associate a payment account with a payment method that includes.
The method according to claim 1,
(N > = 2) payment means to be used for payment using the customer's mobile phone from the payment account of the customer name opened in the financial company from the program provided in the customer's mobile phone, Receiving;
Processing the validation of the customer information, the settlement account information, and the Nth payment means information included in the payment method connection application information to be authenticated; And
An Nth virtual number different from the first virtual number is generated to map the settlement account of the customer name and the Nth payment means at the time of validity authentication of the payment means connection application information, And registering the payment means as a mapping step.
3. The method according to claim 2,
And a settlement means for sharing a balance between the first settlement means and the settlement account registered and mapped.
The method according to claim 1,
And a virtual account number associated with a payment account of the specific customer name.
2. The method according to claim 1,
And a step of processing the financial account corresponding to the settlement account information so as to authenticate whether an account of the customer name corresponding to the customer information and the settlement account information is opened.
The method according to claim 1,
Further comprising the step of generating a digital document corresponding to the mapping registration of the settlement account of the customer name and the settlement means and storing the generated electronic document in the designated storage area when the settlement account of the customer name is mapped and registered, Wherein the settlement means is connected to the settlement means.

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