KR20090023435A - System for managing community account - Google Patents

Abstract

A system for managing a community account is provided to increase convenience of managing a community fee, increase the number of new accounts of community members and produce profits according to operation commission. An information registering unit associatedly stores community information and community management account information in a storage medium. An account opening unit(135) opens an online account having a community management account as a mother account. An online account management unit registers a community fee input to the opened online account in a provision predetermine state. A payment authentication processing unit collects balances to be paid registered in at least one online account associated with the community fee management account to pay a product price when paying the product in online/offline membership stores by using a community fee management card.

Description

Club account management system {System for Managing Community Account}

1 is a view showing an account opening system for opening a fellowship operating account according to an embodiment of the present invention.

2 is a view illustrating a process of opening a fellowship operating account for managing the opening and withdrawal of a fellowship operating account according to an embodiment of the present invention.

3 is a diagram illustrating an account opening system for opening a club operating account for management of club dues and the like according to another embodiment of the present invention.

4 is a view illustrating a process of opening a fellowship operating account for managing a club administration account and deposit and withdrawal according to another embodiment of the present invention.

5 is a view showing the structure of the ledger information for the establishment of the club operating account according to the embodiment of the present invention.

6 is a diagram illustrating an online account registration system of a virtual account method according to an embodiment of the present invention.

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

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

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

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

11 is a view showing the configuration of the online account management system for the transfer of the club fee from the group member account according to the embodiment of the present invention from the group account to the online account with the parent account as the parent account.

FIG. 12 is a diagram illustrating an online account operation process for processing a club fee transfer from a group member account to an online account having a group account as a parent account according to an embodiment of the present invention.

13 is a diagram illustrating a card issuing system for issuing a club fee management card associated with a club operating account according to an embodiment of the present invention.

14 is a diagram showing the configuration of information provided in the storage medium 1335 according to the issue of the club fee management card associated with the club fee management account according to an embodiment of the present invention.

15 is a view showing a club fee operation card issuing process associated with a club fee operating account according to an embodiment of the present invention.

16 is a diagram illustrating an online card payment system configuration through an online account linked card according to an embodiment of the present invention.

17 is a diagram illustrating an online card payment approval process through an online account link card according to an embodiment of the present invention.

18 is a diagram illustrating a configuration of an offline card payment system through an online account link card according to another embodiment of the present invention.

19 is a diagram illustrating an offline card payment approval process through an online account link card according to another embodiment of the present invention.

<Description of main parts of drawing>

100: open account server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: group authentication unit 135: account opening unit

140: open account terminal

The present invention provides an account for opening an online account including information registration means for linking and processing group information and group operating account information to a predetermined storage medium, and a group operating account for operating the club operating cost to the group members. On the payment of goods at the online and offline merchants using an opening means, an online account operating means for registering a club fee deposited to the opened online account, and a club fee operating card linked to the club operating account, It relates to a club account management system including a payment approval processing means for collecting the payment balance registered in at least one online account associated with a non-operating account to settle payment of the goods.

With the rapid development of information and communication technology and the convergence of the above-described advanced information and communication technology and financial services, various online account services will be attempted to open and operate a predetermined account online without visiting a window. Is expected to involve a variety of fund transfer services between online accounts.

However, the transfer of funds between online accounts as described above should be done with the remitter opening the online account and the remittee also opening the online account, as in the case of the transfer of funds between financial accounts. It includes problems that limit autonomy and convenience.

An object of the present invention for solving the above problems, information registration means for linking the group information and the group operating account information stored in a predetermined storage medium, and the online account to the group members as the parent account of the group operating account An account opening means for opening an account, a card issuing means for issuing a club fee operating card associated with the club operating account to some (or all) of the club members, and the payment of goods at an online and offline merchant using the club fee operating card In the settlement, the club account operating system comprises a payment processing means for processing the payment of the goods price at least one amount of money deposited in the online account associated with the club expenses operating account.

The method of operating a fellowship account according to the present invention comprises the steps of linking and processing the group information and the group operating account information in a predetermined information registration means in a predetermined storage medium, and the group members to the group members in a predetermined account opening means; Opening an online account with an operating account as a parent account; issuing a club fee operating card linked to the club operating account to some (or all) of the club members in a predetermined card issuing means; and operating the club fee In the case of paying for the goods at the online merchant using the card, the predetermined payment processing means comprising the step of processing the payment of the goods at an amount deposited in at least one or more online accounts associated with the club expenses operating account It is done.

The club account operating method according to the present invention, the club member account information, the club fee amount information, the date and time of the club fee transfer date to transfer a predetermined club fee from the association member to the online account in a predetermined information storage means Storing the predetermined club fee automatic transfer information including the information in association with the group member information (or online account information) in a predetermined storage medium and automatically saving the club fee stored in the storage medium by a predetermined automatic transfer processing means. By referring to the transfer information, the withdrawal processing of the club fee from the club member account, characterized in that it comprises the step of depositing the online account.

The club account operating method according to the present invention is characterized in that the group information includes at least one or more of the group terms and conditions, card issuance associated with the group management account, the number of card issued, card issuance target member information, and the like. .

Issuing a club fee operating card associated with the group operating account to some (or all) of the group members in the predetermined card issuing means according to the present invention, in conjunction with the storage medium in a predetermined information checking means In addition, the membership fee membership card issuance application, characterized in that it comprises the step of confirming whether the membership of the card is the target member.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described club account operation method.

On the other hand, the club account operation system, information registration means for linking the group information and the group operating account information stored in a predetermined storage medium, and an account for opening the online account to the group members as the parent account of the group operating account Means for issuing a club fee operating card associated with the club operating account to some (or all) of the club members and the payment of goods at an online and offline merchant using the club fee operating card; And payment processing means for processing the payment for the goods at an amount deposited in at least one online account associated with a non-operating account.

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

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

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

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

1 is a view showing an account opening system for opening a fellowship operating account according to an embodiment of the present invention.

In more detail, in Figure 1, at least one club member (for example, a shop or the like) belonging to a predetermined club (or community, club, cafe, etc.) is connected to an account opening system through a predetermined club operating account opening interface. When providing the information on the application for opening a club operating account for the establishment of a club operating account according to the system, the account opening system opens a predetermined club operating account for the club based on the information on the application for opening a club operating account. As those skilled in the art to which the present invention pertains, various embodiments of the present invention may be inferred by referring to or modifying the drawing 1 and establishing an account opening system for opening a fellowship operating account. Includes all the implementation methods inferred above, It shall not be limited to the exemplary method.

Hereinafter, at least a predetermined group operating account for operating the club group is opened based on the application for opening the club operating account provided from the group member through a predetermined group operating account opening interface on the account opening system shown in FIG. Components corresponding to one or more means or functional configurations are referred to as " account opening servers " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an account opening system for opening a fellowship operating account according to the present invention includes an employee terminal used by a teller provided with at least one financial institution. The employee terminal is connected to an account opening server provided on the account opening system through a predetermined network means.

According to one embodiment of the present invention, the fellowship member visits the financial institution for the establishment of the fellowship operating account according to the present invention and through the window provided at the financial institution (or through a clerk) the fellowship operating account. Complete an application for opening a given club operating account (eg, a document with a form for filling in at least one information item for opening a club operating account) and / or the counter staff visits the club member. The club member to fill out a predetermined club operating account opening application for opening the club operating account, and submit the completed club operating account opening application to the counter staff. Enter (or select) the information provided on the application form The employee terminal preferably transmits the input (or selected) information to the account opening server provided on the account opening system via the network means.

Here, the employee terminal preferably comprises an employee terminal used by the teller staff provided in the financial institution, the account opening server connected to the employee terminal includes a ledger server provided on the predetermined financial system; Preferably, the network means for connecting the employee terminal and the account opening server comprises a financial network (for example, the current network) for connecting the communication channel between the employee terminal and the account opening server.

In the account opening system as described above, the club member operating application created by the group member, the employee terminal used by the teller, and the financial network connecting the employee terminal and the account opening server are the present invention. In order to open a fellowship operation account according to the club administration account to register the application information to open the operation of the interface operation function.

A financial institution that opens a fellowship operating account associated with the fellowship includes a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one fellowship member. It is characterized by.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Through the face-to-face financial transaction services for at least one financial product subscription customer (eg, fellowship members, etc.).

The financial system may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or a main office or a branch) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service for at least one financial product subscription customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet access and browsing function Provides a non-face-to-face financial transaction service to at least one or more financial product subscription customers through a provided laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one or more financial product subscription customers through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip to a customer who subscribes to at least one financial product through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x-based portable Internet or a DataTAC / Mobitex-based wireless data communication network. Provide financial transaction services based on face-to-face.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial product subscriber.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial product subscriber.

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

Referring to FIG. 1, the financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial product subscription customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between a financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, etc.) Access to the financial system from telebanking, TV banking, etc.), and And an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system, the financial institution to open at least one financial account to at least one or more financial product subscription customers, to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system for storing at least one ledger for the at least one ledger, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial product subscription customer by the financial institution. Add at least one ledger information for processing (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) Characterized in that the information is stored in a relational manner. .

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

The account opening server provided on the account opening system according to the present invention is a generic term for the account opening system side components connected with the account opening terminal through a predetermined network means, and includes at least one server (or device). Or at least one program recorded on 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, the account opening server is characterized in that it comprises an interface for providing a predetermined group operating account opening interface to the account opening terminal via the network means.

According to an embodiment of the present invention, when the account opening terminal is an employee terminal connected to a predetermined financial network, the interface unit connects the employee terminal and a predetermined communication channel based on a protocol stack defined in the financial network. In addition, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using a communication protocol defined in a group operating account opening application program provided in the employee terminal.

Referring to FIG. 1, when the account opening terminal is connected to the account opening server through the interface unit, the account opening server inputs a predetermined group operation account opening application information from the account opening terminal in cooperation with the interface unit. (Or select) an interface providing unit for generating (or extracting) a predetermined group operating account opening interface for transmitting to the account opening terminal, and opening the group operating account in the account opening terminal in association with the interface unit. An information receiver for receiving predetermined club operating account opening application information inputted (or selected) through an interface, and the group information based on the group information and the group member information included in the received club operating account opening application information. Club authentication unit for performing the certification, the club An information generation unit for generating predetermined group operating account information corresponding to the group operating account opened in association with the group based on the received group operating account opening application information, after the authentication for the group operation; An account opening section for opening a predetermined group operating account including account information, and an information storage section for storing group operating account ledger information corresponding to the opened group linked club operating account in the ledger D / B on the financial system. Characterized in that made.

When the predetermined account opening terminal is connected to the account opening server through the interface unit, the interface providing unit inputs (or selects) the club operating account opening application information corresponding to the function configuration provided in the account opening terminal, and then enters the network. Create a predetermined group operating account opening interface that can be transmitted to the account opening server via means, or extract from a predetermined database (not shown), and link the interface unit with the generated (or extracted) user interface. It is characterized in that it is provided to the account opening terminal via the network means.

Thereafter, the account opening terminal inputs (or selects) the group operating account opening application information based on the group operating account opening interface, and inputs the input (or selected) the group operating account opening application information through the network means. Transfer to the account opening server.

According to an embodiment of the present invention, when the account opening terminal is an employee terminal connected to a predetermined financial network, the interface providing unit opens a predetermined group operating account that can be provided by a club operating account opening application program provided in the employee terminal. It is preferable to generate (or extract) an interface, and provide the created group operation account opening interface to the employee terminal through the interface unit.

When the information receiving unit inputs (or selects) predetermined club operating account opening application information through the group operating account opening interface in the account opening terminal and transmits the information through the network means, the group operating account interworking with the interface unit. Characterized in that it receives the establishment application information, and provides the received club operating account opening application information to the group authentication unit or information generation unit.

According to the implementation method of the present invention, the fellowship management account opening application information comprises at least one or more of the fellowship information (or fellowship member information) to open the fellowship management account and the fellowship management account deposit and withdrawal management information. It is preferable.

The group information may include at least one or more of the group terms and conditions, card issue status associated with the group management account, issue card number, and card issue target member information.

According to an embodiment of the present invention, the account opening server may be configured to further include a group authentication unit for checking the validity of the received club operating account opening application information.

Here, confirming the validity of opening the club operating account includes checking whether the group information included in the club operating account opening application information is a valid group, for example, the group is provided with the account opening server or the account opening server. It may be determined whether the club is opened and managed by a predetermined group operator (eg, portal, etc.) affiliated with a financial institution associated with the bank. In this process, a predetermined unique code for authenticating the group may be used.

For example, if a group that wants to open a group operating account is provided with a predetermined unique code to be used when opening a group operating account from the group operator, and provides the provided unique code to the account opening server in the process of opening a group operating account. The account opening server performs the authentication on the unique code in association with the group management company, so that the authentication for the group operating account opening request group is processed.

The information generating unit opens a predetermined group operating account corresponding to the group operating account opening application information to the group when authentication of the group is completed based on the application information for opening the open club operating account received through the information receiving unit. In order to generate a predetermined group operating account information to be provided in the group operating account, the group operating account information is the name of the group, the group operator, the unique number of the group, the group operator resident registration number (eg, Seashop, etc.), the group Account basic information including member information, deposit type, new date, issue date and account number, account entry information including contents, withdrawal amount, deposit amount, balance and store name, club operating account password and withdrawal of the club operating account (transfer) Or at least one conditional information required for the deposit And it is preferably made.

Here, the withdrawal condition information included in the account entry information is information required to withdraw or transfer a predetermined amount from the group operating account, for example, consent is obtained from at least one group member entered in the account entry information. You can withdraw money only, you can withdraw money on a specific date (or a specific period or time, etc.), you can withdraw depending on the number of times you can withdraw daily (or weekly or monthly), or you can withdraw through a specific member of the club. This may be possible, or online withdrawal (transfer) may be possible, or may include at least one or more.

The deposit condition information included in the account filling information is information required for depositing a predetermined amount in the club operating account, which can be deposited on a specific date (or period), or at least written in the account filling information. Deposits can be made through one or more community members, or may include at least one or more information, such as ...

When predetermined group operating account information provided in the group operating account is generated by the information generating unit, the account establishment unit opens a group operating account corresponding to the generated group operating account information.

Then, the information storage unit through the information receiving unit account account (or customer ledger or corresponding to the club operating account on the ledger D / B on the financial system based on the application information to open the group operating account and the group operating account information) Receiving ledger information in the form of additional information of the reception ledger).

The at least one club operating account ledger information may be stored in the form of additional information of an account ledger (or a customer ledger or a reception ledger) corresponding to the group operating account on the ledger D / B on the financial system among the group operating account information. It is preferable to include the above information item.

2 is a view illustrating a process for establishing a fellowship operating account for managing the opening and closing of a club operating account according to an embodiment of the present invention.

In more detail, in FIG. 2, in the account opening system shown in FIG. 1, a predetermined group operating account opening interface (e.g., an application for opening a group operating account, an employee terminal, and a network means) is established. The present invention relates to a process of opening a predetermined group operating account based on the group operating account opening application information from the account opening server when the predetermined group operating account opening application information is transmitted to the account opening server. Those skilled in the art will be able to infer various implementation methods for opening a fellowship operating account for the operation of the fellowship fee or the like by referring to or modifying the drawing 2, but the present invention infers the above. It includes all the implementation methods, and is not limited to the implementation method shown in FIG. The.

Hereinafter, in FIG. 2, the account opening terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the account opening server is referred to as "server" for convenience.

Referring to FIG. 2, the member (s) of the group wishing to open a fellowship operation account for the operation of the fellowship fee, etc. includes a predetermined club administration account opening application information through a predetermined club administration account opening interface. After filling out an application form for opening a club operating account of the group, the club operating account opening application information is provided to the server through a predetermined club operating account opening interface (200).

Here, the club operating account opening interface may include a club operating account opening application created by the at least one club member, an employee terminal used by the financial institution employee, and a network means for connecting the employee terminal and the server. .

In addition, the club operating account opening application information provided to the server through the club operating account opening interface, the group information (or group member information) to open the club operating account, the club operating account deposit and withdrawal At least one management information may be included.

When a predetermined group management account opening application information is received through the club operating account opening interface, the server reads the received group operating account opening application information, thereby validating whether the group operating account can be opened to the group. Check (205).

 Checking the validity of opening the club operating account includes checking whether the group information included in the club operating account opening application information is a valid group, for example, the group is provided with the account opening server or is linked with the account opening server. It is possible to check whether a club is established and managed by a predetermined club operator (eg, portal, etc.) affiliated with a financial institution. In this process, a predetermined unique code for the group authentication may be used.

For example, if a group that wants to open a group operating account is provided with a predetermined unique code to be used when opening a group operating account from the group operator, and provides the provided unique code to the account opening server in the process of opening a group operating account. The account opening server performs the authentication on the unique code in association with the group management company, so that the authentication for the group operating account opening request group is processed.

The group information may include at least one or more of the group terms and conditions, card issue status associated with the group management account, issue card number, and card issue target member information.

If the validity to open the club operating account to the group is not authenticated through the club operating account open application information (210), the server fails to open the group operating account to the group through the club operating account opening interface. Provide information (215), and stops the process of opening the club operating account to the club.

If the validity to open the club operating account to the group through the club operating account open application information is authenticated (210), the server is based on the club operating account open application information to the club operating account to open to the group based on the application information. Corresponding predefined group operation account information is generated (220).

Here, the club operating account information includes the group name, the group operator, the unique group number, the group operator resident registration number (for example, shop), group member information, deposit type, new date, issue date and account number, including the account number, and contents It is preferable to include at least one or more account entry information including the withdrawal amount, the deposit amount, the balance and the name of the transaction, the club operating account password and the withdrawal (including transfer) or the condition information required for the deposit of the club operating account.

Subsequently, the server generates predetermined club administration account ledger information through the club administration account opening application information provided from the club (or club member) and the generated club administration account information provided through the club administration account opening interface ( 225), the club operating account ledger information is stored in the ledger D / B on the financial system (230).

Here, the club operating account ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the group operating account on the ledger D / B on the financial system of the group operating account information It is preferable to comprise a.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in a DBMS on the financial system provided on the account opening system (or associated with the account opening system).

3 is a diagram illustrating an account opening system for opening a club operating account for management of club dues and the like according to another embodiment of the present invention.

In more detail, in Figure 3, at least one fellowship member (e.g., a sea shop, etc.) belonging to a predetermined fellowship is open to an account through a predetermined fellowship operating account opening interface, and a fellowship for operating a fellowship fee according to the present invention. The present invention relates to a system configuration for opening a club operating account for the operation of the club fee, etc. based on the provided club operating account opening application information in the account opening system when providing the operation account opening application information. Those skilled in the art will be able to infer various implementation methods for configuring an account opening system for opening a fellowship operating account by referring to or modifying the drawing 3, but the present invention provides all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG. The.

Hereinafter, on the account opening system shown in FIG. 3, based on a club operating account opening application information provided from at least one club member (for example, Seashop, etc.) belonging to the group through a predetermined club operating account opening interface. A component corresponding to at least one or more means or functional configurations of opening a predetermined club operating account for the club is referred to as "account opening server" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an account opening system for opening a fellowship operating account according to the present invention may be provided in the case where the account opening system supports a non-face-to-face association operation opening application. And a client terminal including at least one wired terminal or a wireless terminal used by at least one group member (eg, a shop) belonging to a group, wherein the client terminal includes the account through a predetermined network means. A communication channel is connected to an account opening server provided on the opening system.

According to an exemplary embodiment of the present invention, when the account opening system supports a non-face-to-face group operating account open application, at least one group member (eg, a shop) belonging to the group may be connected to a predetermined wired network. The fellowship according to the present invention is connected to the account opening server through at least one client terminal of a wired terminal connected or a wireless terminal connected to a predetermined wireless communication network, and through at least one group operating account opening interface provided by the account opening server. When inputting (or selecting) the club operating account opening application information for opening the operating account, it is preferable that the client terminal transmits to the account opening server provided on the account opening system through a predetermined network means.

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

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

The client terminal may output at least one club operating account opening interface provided by the account opening server, input or select at least one information through the club operating account opening interface, and transmit the same to the account opening server. It is preferable that a function configuration (e.g., a browser program and a communication function or a predetermined communication program and communication function to communicate with the account opening server, etc.) is provided.

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

In the account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by at least one group member (eg, Syshop, etc.) belonging to the group, the client terminal and the account opening server. At least one wired or wireless network that connects the at least one fellowship member (e.g., Seashop, etc.) belonging to the fellowship open the fellowship operating account for the establishment of a fellowship operating account for the operation of the fellowship fee, etc. according to the present invention It functions as an interface to open a club operating account to register application information.

According to another exemplary embodiment of the present invention, when the account opening system supports a non-face-to-face group operation account opening application, the account opening terminal may have a predetermined financial network (eg, a financial common network) in addition to the client terminal. A financial automatic teller machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to an ATM, or a predetermined public switched telephone network; A predetermined call terminal (not shown) connected to a wired telephone network such as a PSTN) or a VoIP (Voice over IP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. Or omit a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. In this regard, the present invention is not limited thereto.

In the case of supporting a non-face-to-face application for opening a group operating account, when the account opening terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device (urban) The financial network connecting the account opening server and the account opening server register at least one club member (eg, a shop) belonging to the club to register the club operating account opening application information for opening the club operating account according to the present invention. Performs a function of a club operating account opening interface for, or if the account opening terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the account opening server The wired telephone network or the wireless telephone network includes at least one group member (eg, a shop) belonging to the group. A terminal (or server) provided to an institution affiliated with the financial institution, which is the account opening terminal, for performing a function of a club operating account opening interface for registering application information for opening a club operating account for opening a club operating account according to the above. (Not shown), a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) to the account opening server may include at least one fellowship member belonging to the group. For example, a sea shop or the like) performs a function of a club operating account opening interface for registering club operating account opening application information for opening a club operating account according to the present invention.

A financial institution that opens a fellowship operating account for the club has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial product subscription customer. Characterized in that.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides face-to-face financial transaction services for at least one financial product subscriber.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service for at least one financial product subscription customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one or more financial product subscription customers through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one or more financial product subscription customers through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip to a customer who subscribes to at least one financial product through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x-based portable Internet or a DataTAC / Mobitex-based wireless data communication network. Provide financial transaction services based on face-to-face.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial product subscriber.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial product subscriber.

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

Referring to FIG. 3, the financial system is a computerized system provided in a financial institution to open at least one financial account to at least one financial product subscription customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch information support and customer information management; Interconnection between the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (eg, internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, TV banking, etc.) And an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the detailed technical matters, detailed description thereof will be omitted for convenience, and thereby the present invention is not limited.

According to the present invention, the DBMS provided in the financial system, the financial institution to open at least one financial account to at least one or more financial product subscription customers, to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system for storing at least one ledger for the at least one ledger, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial product subscription customer by the financial institution. Add at least one ledger information for processing (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) Characterized in that the information is stored in a relational manner. .

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

The account opening server provided on the account opening system according to the present invention is a generic term for the account opening system side components connected with the account opening terminal through a predetermined network means, and includes at least one server (or device). Or at least one program recorded on 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, the account opening server is characterized in that it comprises an interface for providing a predetermined group operating account opening interface to the account opening terminal via the network means.

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

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

Alternatively, when the client terminal is provided with a predetermined group operating account opening application program provided by the account opening server, the interface unit connects a communication channel with the client terminal based on the TCP / IP protocol, and the communication program. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

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

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

Alternatively, when the client terminal is provided with a group operating account opening application program provided by the account opening server, the interface unit connects a communication channel with the client terminal based on the CDMA protocol, and the communication defined in the communication program. Provides a communication interface for transmitting and receiving information (or data) using a protocol.

Referring to FIG. 3, when the predetermined account opening terminal is connected to the account opening server through the interface unit, the account opening server inputs predetermined group operation account opening application information from the account opening terminal in association with the interface unit. (Or select) an interface providing unit for generating (or extracting) a predetermined group operating account opening interface for transmitting to the account opening terminal, and opening the group operating account in the account opening terminal in association with the interface unit. An information receiver for receiving predetermined club operating account opening application information inputted (or selected) through an interface, and the group information based on the group information and the group member information included in the received club operating account opening application information. Club authentication unit for performing the certification, and the same An information generation unit for generating predetermined group operating account information corresponding to the group operating account opened in association with the group based on the received group operating account opening application information, after the authentication is performed; Account opening section for opening a predetermined group operating account corresponding to the club operating account information, and information storage for storing the group operating account ledger information corresponding to the opened club association linked account in the ledger D / B on the financial system It is characterized by comprising a part.

When the predetermined account opening terminal is connected to the account opening server through the interface unit, the interface providing unit inputs (or selects) the club operating account opening application information corresponding to the function configuration provided in the account opening terminal, and then enters the network. Create a predetermined group operating account opening interface that can be transmitted to the account opening server via means, or extract from a predetermined database (not shown), and link the interface unit with the generated (or extracted) user interface. It is characterized in that it is provided to the account opening terminal via the network means.

Thereafter, the account opening terminal inputs (or selects) the club operating account opening application information based on the user interface, and opens the account (s) selected group operating account opening application information through the network means. Send to server.

According to an embodiment of the present invention, when the account opening terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined club operating account opening interface that can be provided by the program, and provide the generated club group operating account opening interface to the client terminal through the interface unit.

According to another exemplary embodiment of the present invention, when the account opening terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit may be provided by a browser program or a communication program provided in the client terminal. It is preferable to create (or extract) a club operating account opening interface of the, and provide the generated (or extracted) the club operating account opening interface to the client terminal.

The information receiving unit inputs (or selects) predetermined club operating account opening application information from the account opening terminal through the club operating account opening interface and transmits the information through the network means. Characterized in that it receives the account opening application information, and provides the received club operating account opening application information to the club authentication unit or information generation unit.

According to the implementation method of the present invention, the club administration account opening application information is formed by including at least one or more club information (or club member information) to open the club operating account and the club management account deposit and withdrawal management information. desirable.

The group information may include at least one or more of the group terms and conditions, card issue status associated with the group management account, issue card number, and card issue target member information.

According to an embodiment of the present invention, the account opening server may be configured to further include a group authentication unit for checking the validity of the received club operating account opening application information.

Here, confirming the validity of opening the club operating account includes checking whether the group information included in the club operating account opening application information is a valid group, for example, the group is provided with the account opening server or the account opening server. It is possible to check whether a club is opened and managed by a predetermined group operator (eg, portal, etc.) affiliated with a financial institution associated with the bank. In this process, a predetermined unique code for the group certification may be used.

For example, if a group that wants to open a group operating account is provided with a predetermined unique code to be used when opening a group operating account from the group operator, and provides the provided unique code to the account opening server in the process of opening a group operating account. The account opening server performs the authentication on the unique code in association with the group management company, so that the authentication for the group operating account opening request group is processed.

The information generating unit opens a predetermined group operating account corresponding to the group operating account opening application information to the group when authentication of the group is completed based on the application information for opening the open club operating account received through the information receiving unit. In order to generate a predetermined group operating account information to be provided in the group operating account, the group operating account information is the name of the group, the group operator, the unique number of the group, the group operator resident registration number (eg, Seashop, etc.), the group Account basic information including member information, deposit type, new date, issue date and account number, account entry information including contents, withdrawal amount, deposit amount, balance and store name, club operating account password and withdrawal of the club operating account (transfer) Or at least one conditional information required for the deposit It is preferable to make it.

Here, the withdrawal condition information included in the account entry information is information required to withdraw or transfer a predetermined amount from the group operating account, for example, consent is obtained from at least one group member entered in the account entry information. You can withdraw money only, you can withdraw money on a specific date (or a specific period or time, etc.), you can withdraw depending on the number of times you can withdraw daily (or weekly or monthly), or you can withdraw through a specific member of the club. This may be possible, or online withdrawal (transfer) may be possible, or may include at least one or more.

The deposit condition information included in the account filling information is information required for depositing a predetermined amount in the club operating account, which can be deposited on a specific date (or period), or at least written in the account filling information. Deposits can be made through one or more community members, or may include at least one or more information, such as ...

When the predetermined group operating account information provided in the group operating account is generated by the information generating unit, the account establishment unit may open a group operating account corresponding to the generated group operating account information.

Then, the information storage unit through the information receiving unit account account (or customer ledger or corresponding to the club operating account on the ledger D / B on the financial system based on the application information to open the group operating account and the group operating account information) Receiving ledger information in the form of additional information of the reception ledger).

The at least one club operating account ledger information may be stored in the form of additional information of an account ledger (or a customer ledger or a reception ledger) corresponding to the group operating account on the ledger D / B on the financial system among the group operating account information. It is preferable to include the above information item.

4 is a view illustrating a process of opening a fellowship operation account for managing a club administration account and managing deposit and withdrawal according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates an interface (eg, a wired terminal or wireless) in which at least one fellowship member (eg, a shop), etc. belonging to a predetermined interest group, has a predetermined fellowship operating account opening interface (eg, a wired terminal or wireless). When the predetermined group operating account opening application information is transmitted to the account opening server to the account opening server through a client terminal including at least one terminal and a network means, etc.), the account opening server sends the group operating account opening request information to the account opening server. As a process for opening a predetermined club operating account based on the present invention, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to or modify the drawing 4 to open the club operating account and manage deposit and withdrawal. It would be possible to infer various ways of opening an operating account, Invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 4.

For example, in FIG. 4, the group operating account is produced and provided (or delivered) to the group or at least one group member (eg, a shop) belonging to the group, and then the ledger D / B on the financial system. Although it is illustrated and described as storing predetermined club operating account ledger information, the process of storing the predetermined club operating account ledger information in the ledger D / B on the financial system according to the intention of the skilled person before the production of the club operating account , Or may be performed after the fellowship operating account is produced and before being provided (or shipped) to the customer, whereby the present invention is not limited thereto.

Hereinafter, in FIG. 4, the account opening terminal shown in FIG. 3 is referred to as "terminal" for convenience, and the account opening server (called "server" for convenience).

Referring to FIG. 4, at least one fellowship member (eg, a sea shop, etc.) belonging to a fellowship that wishes to open the fellowship management account for opening the fellowship operation account and managing the deposit and withdrawal, may use the terminal to establish the network means. Accessing the server through the server, and requests a server operating interface for establishing a group operating account to the server (400), and in response, the server extracts a group operating account opening interface for opening the group operating account ( Or generated) and provided to the terminal (405).

Thereafter, the terminal inputs (or selects) predetermined club operating account opening application information through the club operating account opening interface, and then provides the club operating account opening application information to the server through a predetermined group operating account opening interface. (410).

The group operating account opening interface may include a predetermined client terminal used by at least one group member (eg, a shop), etc. belonging to the group, and network means for connecting the client terminal and the server. It is preferable to comprise a.

In addition, the club administration account opening application information provided to the server through the club administration account opening interface is the group information (or club member information) to open the club operating account, the club management account deposit and withdrawal management information It is preferable to include at least one.

When a predetermined group management account opening application information is received through the club operating account opening interface, the server reads the received group operating account opening application information, thereby validating whether or not a group operating account for the group can be opened. Check (415).

Checking the validity of opening the club operating account includes checking whether the group information included in the club operating account opening application information is a valid group, for example, the group is provided with the account opening server or is linked with the account opening server. It is possible to check whether a club is established and managed by a predetermined club operator (eg, portal, etc.) affiliated with a financial institution. In this process, a predetermined unique code for the group authentication may be used.

For example, if a group that wants to open a group operating account is provided with a predetermined unique code to be used when opening a group operating account from the group operator, and provides the provided unique code to the account opening server in the process of opening a group operating account. The account opening server performs the authentication on the unique code in association with the group management company, so that the authentication for the group operating account opening request group is processed.

If the validity of opening a group operating account for the group is not authenticated through the club operating account opening application information (420), the server may include at least one or more members belonging to the group through the group operating account opening interface. Error information for opening a fellowship operation account is provided to a fellowship member (eg, a seashop, etc.) (425), and opening the fellowship management account to at least one fellowship member (eg, a seashop, etc.) belonging to the fellowship is stopped.

If the validity to open a fellowship operation account for the fellowship is authenticated through the fellowship management account establishment application information (420), the server is based on the fellowship management account establishment application information at least one or more fellowships belonging to the fellowship In operation 430, predetermined club operating account information corresponding to the club operating account to be opened to a member (eg, a shop) is generated.

Here, the club operating account information includes the group name, the group operator, the unique group number, the group operator resident registration number (for example, shop), group member information, deposit type, new date, issue date and account number, including the account number, and contents It is preferable to include at least one or more account entry information including the withdrawal amount, the deposit amount, the balance and the name of the transaction, the club operating account password and the withdrawal (including transfer) or the condition information required for the deposit of the club operating account.

Subsequently, the server selects through the club operating account opening application information and the generated club operating account information provided from the at least one club member (for example, a shop) belonging to the club through the club operating account opening interface. The group operating account ledger information is generated (435), and the group operating account ledger information is stored in the ledger D / B on the financial system (440).

Here, the club operating account ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the group operating account on the ledger D / B on the financial system of the group operating account information It is preferable to comprise a.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in a DBMS on the financial system provided on the account opening system (or associated with the account opening system).

5 is a diagram illustrating the structure of ledger information for opening of a fellowship operating account according to an embodiment of the present invention.

In more detail, Figure 5 relates to the configuration of the ledger information stored in the ledger D / B on the financial system for the opening of the club operating account in the account opening system shown in Figure 1 or Figure 3, Those skilled in the art will be able to infer various implementation methods for configuring ledger information for the establishment of a fellowship operating account by referring to or modifying the drawing 5, but the present invention is all inferred implementation methods. It includes, and is not limited by the embodiment shown in FIG.

For example, in FIG. 5, the ledger information stored in the ledger D / B on the financial system is illustrated as including a predetermined customer ledger, at least one account ledger, and fellowship operating account information processed in association with each ledger. However, those skilled in the art to which the present invention pertains, by referring to or modifying the drawing 5, other types of ledgers (for example, loan ledger, mortgage ledger, ... etc.) in addition to the customer ledger and account ledger. ) And its additional information are clearly included in the ledger information, and thus the present invention is not limited thereto.

In this figure 5 according to the implementation method of the present invention, the customer ledger is a ledger that matches the customer information included in the application information for opening the club operating account, Customer Information File (CIF) number, country code, contact person ID, branch number, Customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Headquarters Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number, Mailing location, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in this figure 5, the ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, account balance, account number, interest now, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-account transactions, interest rate, accounting and consolidation, final payment It includes at least one of interest, final payment transaction number, individual interest rate reference, and final interest calculation date, and includes the account number, abstention (months), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information including at least one of the following, or trust reception information including at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, or the account source. Include at least one account number, transaction number, date, point number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, account line, summary, CIF, etc. Including transaction history information.

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

Referring to FIG. 5, the fellowship operating account information is included in the ledger information in the form of additional information associated with the account ledger, and the fellowship operating account information is the name of the fellowship, the fellowship operator, the fellowship number, the fellowship Account basic information, including operator social security number (e.g., Seashop, etc.), fellowship member information, deposit type, new date, issue date and account number, account entry information including contents, withdrawal amount, deposit amount, balance and store name, fellowship operation account It is preferable to include at least one or more password and withdrawal (including transfer) or the condition information required for the deposit of the club operating account.

In addition, the group information, characterized in that it comprises at least one or more of the club terms and conditions, card issuance associated with the club operating account, the number of card issued, the card issuance target member information.

* Hereinafter, the embodiment shown in FIGS. 6 to 10 shows an embodiment in which the group member opens an online account linked to the club operating account for the club fee transfer processing. .

6 is a diagram illustrating a virtual account type online account registration system according to an embodiment of the present invention.

In more detail, Figure 6 is a predetermined web server 600 through a predetermined network means from a predetermined group member terminal through the account opening system shown in FIG. 1 or FIG. When the online account application information is provided in order to open an online account associated with the account, the web server 600 receives the online account application information provided from the group member terminal in the predetermined financial institution. A system configuration for opening an online account corresponding to the online account application information by the information processing server 640 by providing the processing server 640. Specifically, the online account is shown in FIG. 1 or 3. An online account in the form of a virtual account using the club operating account opened through the established account opening system as a parent account It is a figure which shows the system structure to establish.

Those skilled in the art to which the present invention pertains may implement a system for opening various types of online accounts in addition to the virtual accounts in the form of virtual accounts having the club operating account as a parent account by referring to or modifying the present invention. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 6 according to an embodiment of the present invention, an online account opening system for opening an online account in the form of a virtual account having the fellowship operating account as a parent account may include a predetermined web server 600 through predetermined network means. (E.g., Portal Server, etc.) to open the online account without verification of real name (e.g., financial real name pursuant to the Act on Real-name Financial Transactions and Confidentiality and Concurrent Enforcement Decree (Presidential Decree No. 15744)) A group member terminal for requesting registration and providing predetermined online account application information corresponding to the opening (or registration) of the online account to the web server 600, and the group member terminal through a predetermined network means. Receive the predetermined online account application information from the group member terminal, and transmit the received online account application information to a predetermined financial institution. Web server 600 provided to the provided information processing server 640, the web server 600 is connected through a predetermined communication means to receive the online account application information from the web server 600, An information processing server 640 for processing and opening an online account corresponding to the online account application information in the name of the customer based on the received online account application information, and operating the online account processed in the pseudonym; It is equipped with a financial system.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account. An accounting system that handles window services, such as credits or receptions or trusts or foreign exchanges that occur at one or more branches (or counters); an information system that processes headquarters operations, branch office information support and customer information management; Interconnection between at least one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system, or at least It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system The interface module corresponding to the middleware platform, and stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. And a DBMS (Database Management System) including at least one database, wherein the financial transactions through the financial system are based on the law and co-decree on the financial real-name transaction and confidentiality of the financial account. When it corresponds to real name financial account corresponding to 15744) Is effectively processed.

According to the implementation method of the present invention, the financial system is according to the intention of the person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) in which the financial system is provided, and the purpose and characteristics of the financial system. At least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), may be further included. If you have, you will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, the present invention is not limited thereby.

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

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, the network connected to the TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based) through the wireless banking server At least one wireless terminal 185 connected to a mobile Internet or a DataTAC / Mobitex-based wireless data communication network (eg, a personal communication system (PCS) or a global system for GSM having a connection and browsing function to the mobile communication network). A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a mobile terminal and / or a personal digital assistant (PDA) and / or a smart phone or telematics).

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Provide chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web server 600 through at least one group member terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And access various application services provided by the web server 600. The wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or notebook connected to the TCP / IP based communication network. Or at least one home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. .

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC and / or a personal handyphone system (PHS) terminal or a personal digital assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet Or no data connected to the DataTAC / Mobitex-based wireless data network It is preferable to include at least one or more data communication terminal, etc.) at least one financial product sold to (or requesting to open) at least one or more customers online by the financial institution. And at least one online account product information for the customer to register the online account.

In addition, the web server 600 may include at least one user interface for the customer to apply for (or purchase) the financial product (eg, the online account) through a network means including the wired or wireless communication network. And providing (or selecting) the predetermined online account application information through the user interface to the fellowship member terminal through the network means including the wired or wireless communication network. Characterized in that the transmission to the web server 600.

To this end, the group member terminal outputs at least one user interface provided from the web server 600, and inputs and or selects at least one online account application information through the user interface to the web server 600 It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the web server 600, etc.) is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 600 and input at least one or more online account application information through the user interface. Since the features of the group member terminal corresponding to the at least one wired terminal 180 or the wireless terminal 185 to be selected and transmitted to the web server 600 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the web server 600 is characterized by comprising an interface unit 605 for connecting and managing a predetermined communication channel with the group member terminal through the network means.

According to an embodiment of the present invention, when the group member terminal includes a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network), the interface unit 605 is defined in the wired network or the wireless network. Connect a predetermined communication channel with the group member terminal based on a protocol stack, and use a communication protocol defined in a communication program provided in the group member terminal to establish at least one communication interface for transmitting and receiving information (or data). It is desirable to provide.

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

Alternatively, when the group member terminal is provided with a communication program provided by the web server 600, the interface unit 605 connects a communication channel with the group member terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in a communication program.

According to another exemplary embodiment of the present invention, when the group member terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 may be based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the group member terminal.

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

Referring to FIG. 6, the web server 600 is connected to the interface unit 605 when a predetermined group member terminal accesses the web server 600 through the interface unit 605 or applies for an online account. Generate a predetermined user interface (or extract from a predetermined web source D / B (not shown)) to send (or select) predetermined online account application information from the fellowship member terminal to the fellowship member terminal. The information receiving unit 620 for receiving the predetermined online account application information that is input (or selected) and transmitted from the group member terminal through the user interface in cooperation with the interface providing unit 610 and the interface unit 605. And an information relay unit 630 for providing the received online account application information to an information processing server 640 provided at a financial institution through a predetermined communication means. The comparison made is characterized.

In addition, the web server 600 is connected to the interface unit 605 to the at least one group member terminal at least one search service containing at least one information / content, personalization service including a mini-hompy / blog, mail service, And a web service unit 615 for providing a web-based service including at least one messenger service, a community (or community or cafe) service, and various information providing services. Those skilled in the art will be familiar with how the web server 600 provides the web-based service to at least one group member terminal in order to perform a function of a portal server (or a group server). Detailed description thereof will be omitted for convenience.

In addition, the web server 600 stores information for storing the received online account application information in a predetermined storage medium 635 for post management of the online account application information received through the information receiving unit 620. It is preferable that the part 625 is further provided.

The interface providing unit 610 is connected to the web server 600 via the interface unit 605 or when applying for an online account, when the predetermined group member terminal in response to the functional configuration provided in the group member terminal online Generate a predetermined user interface that can input (or select) account application information and transmit it to the web server 600 via the network means, or extract from a predetermined database (not shown), and the interface unit 605 And a user interface generated (or extracted from a predetermined web source D / B (not shown)) to the group member terminal through the network means.

Thereafter, the group member terminal inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information to the web server 600 through the network means. send.

When the group member terminal includes a wired terminal connected to a predetermined wired communication network according to an exemplary embodiment of the present invention, the interface providing unit 610 may provide a browser program or a communication program provided in the wired terminal. Generated (or extracted from a predetermined web source D / B (not shown)), and generated through the interface unit 605 (or extracted from a predetermined web source D / B (not shown)). It is desirable to provide a user interface to the fellowship member terminal.

According to another exemplary embodiment of the present invention, when the group member terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 may be provided by a browser program or a communication program provided in the wireless terminal. Generate a predetermined user interface (or extract it from a predetermined web source D / B (not shown)), and generate it via the interface unit 605 (or extract from a predetermined web source D / B (not shown)). It is desirable to provide the user interface to the group member terminal.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined online account application information from the group member terminal in the web server 600 includes at least one online account product (or financial product). It is preferred that the customer comprises an interface for selecting at least one or more online account products (or financial instruments) to apply (or purchase).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the group member terminal and confirming that the group member has confirmed the online account product detail information. If the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online account corresponding to the online account product. product name The investment period, and outputs a product online account details such as the expected rate of return information to the member terminal group, preferably a group member comprising an interface to verify that check the product details, online account information.

The user interface for inputting (or selecting) the online account application information includes an interface for outputting the terms and conditions information corresponding to the online account product to the group member terminal, and the group members agreeing to the terms and conditions. It is preferable to make.

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

In addition, the user interface for inputting (or selecting) the online account application information may include personal information (eg, name, social security number, telephone number, mobile phone number, address, e-mail address) for the fellowship member applying for the online account product. Etc.) or an interface for inputting (or selecting) the customer member information (eg, member ID information and password information) included in the web server 600.

According to an embodiment of the present invention, a user for receiving (or selecting) the online account application information when the online account product corresponding to the online account application information uses the operating account of the group to which the group member has subscribed. The interface may display online group product details such as the group information (eg, group name, group unique code, etc.), group operating account information, and online account product name and interest rate information corresponding to the online account product. And the interface for the group member to confirm the online account product detailed information and the agreement for opening the online account. The user interface may further include an online account corresponding to the online account application information. Award to transfer club fee It may be configured to further include a user interface for receiving (or selecting) information on the account information of the group member name and the date, the amount of money, etc. to transfer the club fee from the account of the group member name to the online account. .

Subsequently, the fellowship member terminal receives, via the user interface, the terms and conditions of the agreement corresponding to the on-line account of the fellowship operating account applied for by the fellowship member among the plurality of online account products, and the fellowship fee to the online account. Input (or select) the group member account information to be transferred, the club fee transfer condition information, and the online account application information including at least one of the group member information to be transmitted to the web server 600 through the network means. .

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may include an account password for an online account corresponding to the online account application information, or at least one or more ratios through the online account. It is preferable to further include an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing face-to-face financial transactions.

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

When an interface for inputting (or selecting) at least one online account security information is provided to the group member terminal, the group member terminal inputs (or selects) the online account security information through the interface, and then inputs the input. Or transmits the selected online account security information to the web server 600 through the network means, or further includes the online account security information in the online account application information. 600).

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 600.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Outputs provisional terms and conditions and provisional processing period information (e.g., the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) to the group member terminal, Interface for inputting (or selecting) false membership processing consent information in which a fellowship member agrees with the false provisions terms information and provisional processing period information, or false provision information for which the customer applies for provisional processing for the online account. It is preferred to further comprise a.

If the provisional provision information and provisional processing period information is included in the provisional information corresponding to the online account product, the provisional provisional information and provisional processing period information are output to the group member terminal, and The interface for confirming consent may be omitted.

When an interface for inputting (or selecting) the false provisions processing consent information (or provisional provision application information) is provided to the fellowship member terminal, the fellowship member terminal transmits the provisional provisions consent information (or provisional provision application) through the interface. Information (or information), and the input (or selection) of the provisional processing agreement information (or provisional application information) is transmitted to the web server 600 through the network means or the online account. The application information further includes the provisional processing agreement information (or provisional application information), and is transmitted to the web server 600 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may be configured to open an online account corresponding to the online account application information in the form of a virtual account whose parent account is the parent account. In order to provide the parent account management institution information including at least one or more web server 600 operating institution (or financial institution), and virtual account processing information including the mother account information corresponding to the fellowship operating account operated by the mother account operating institution It is preferable to further comprise an interface for inputting (or selecting).

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the fellowship member terminal, the fellowship member terminal may input the virtual account processing information through the interface (or And transmit the input (or selected) virtual account processing information to the web server 600 through the network means, or further include the virtual account processing information in the online account application information. It transmits to the web server 600 through a means.

When the group member terminal inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 620 is linked with the interface unit 605 to the online account. Characterized in that it receives the application information, and provides the received online account application information to the information relay unit 630 and information storage unit 625.

Here, the online account application information, the agreement information corresponding to the online account of the group operating account applied by the group member of the plurality of online account products as the parent account, and the group member to transfer the club fee to the online account Preferably, the account information, club fee transfer condition information, and at least one club member information are included.

In addition, the group member terminal inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the online account security information is transmitted from the group member terminal to the online account application information. Including and transmitting, the information receiving unit 620 receives the online account security information in conjunction with the interface unit 605, the information relay unit 630 receives the received online account security information Or to the information storage unit 625.

In addition, the group member terminal inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits it through the network means, or from the group member terminal 675. When the trail provision processing consent information (or trail provision application information) is included in the online account application information and transmitted, the information receiver 620 works with the interface unit 605 and the trail provision processing consent information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 630 and the information storage unit 625.

In addition, the group member terminal 175 inputs (or selects) virtual account processing information including the group operating account management institution information and the group operating account information through the user interface and transmits the information through the network means, or When the group member terminal transmits the virtual account processing information to the online account application information and transmits the information receiving unit 620 in association with the interface unit 605, the group operating account management institution information and the group operating account information. And receiving the virtual account processing information including the received virtual account processing information to the information relay unit 630 and the information storage unit 625.

The information storage unit 625 stores the online account application information received through the information receiving unit 620 in a predetermined storage medium, whereby the web server 600 (or a web server operating institution). ) Provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 635.

When the online account security information is received through the information receiving unit 620, the information storage unit 625 stores the information on the storage medium 635 by integrating the online account security information with the online account application information. The online account security information is used by the web server 600 (or a financial transaction server using the online account) to authenticate at least one or more financial transactions using the online account.

* When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 620, the information storage unit 625 stores the provisional processing agreement information (or provisional provisions) in the online account application information. Request information) and store the data in the storage medium 635, and the provisional processing agreement information (or provisional application information) is the web server 600 (or a financial transaction using the online account). Server) provides a basis for processing at least one or more financial transactions using the online account until the financial real name is verified for the online account.

When the virtual account processing information including the club operating account management institution information and the group operating account information is received through the information receiving unit 620, the information storage unit 625 is the virtual account processing information in the online account application information. And store the data in the storage medium 635. The virtual account processing information is the real name of the financial account for the online account in the web server 600 (or the financial transaction server using the online account). It provides a basis for processing at least one or more financial transactions using the online account based on the virtual account that is the parent account of the group operating account managed by the web server 600 management institution (or financial institution) until confirmation.

The information relay unit 630 may be configured to correspond to the online account product (eg, the online account corresponding to the online account product) through the predetermined means of communication with the online account application information received through the information receiver 620. It is characterized in that the relay transmission to the information processing server 640 provided in the financial institution).

Here, the communication means for connecting the web server 600 and the information processing server 640, a dedicated communication network that blocks access by a third party other than the web server 60 and the information processing server 640, or the web Secure communication network that provides a secure communication function between the server 600 and the information processing server 640 (eg, the web server 600 encrypts the online account application information by a predetermined encryption method to the information processing server 640). And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 640).

When the online account security information is received through the information receiving unit 620, the information relay unit 630 corresponds to the online account product through the predetermined communication means (for example, the online account security information). And relaying to the information processing server 640 provided at the financial institution in which the online account corresponding to the account product is opened, whereby the information processing server 640 transmits the information to the financial system provided at the financial institution. The web server 600 opens an online account that can process financial transactions through the online account security information.

* When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 620, the information relay unit 630 receives the provisional processing agreement information (or provisional application information). And relaying the information to the information processing server 640 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product) through a communication means. The processing server 640 opens a new online account corresponding to the online account application information in a financial system provided in the financial institution.

When the virtual account processing information including the group operating account management institution information and the group operating account information is received through the information receiving unit 620, the information relay unit 630 may provide the virtual account processing information with predetermined communication means. Characterized in that the transmission to the information processing server 640 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened), thereby transmitting the information processing server. In operation 640, an online account corresponding to the online account application information is opened in a financial account provided at the financial institution in the form of a virtual account having the club operating account as the parent account.

According to another exemplary embodiment of the present invention, when the information processing server 640 is equipped with a web server 600 function or the information processing server 640 is a predetermined banking server, the information relay unit 630 may be used. By linking the group member terminal and the information processing server 640 to relay connection, the online processing request information, or the new provision processing consent information (or a new application request) from the group member terminal in the information processing server 640 Information), or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is possible to relay to provide directly, so that the information processing server 640 is the group member through a predetermined network means From the terminal, the online account application information, or new provision processing consent information (or provisional application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non It is possible to directly receive at least one or more information of the face-to-face financial transaction application information, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one web server 600 and the information processing server 640 may be relayed between the web server 600 and the information processing server 640 or the web server may be used. A predetermined relay server (not shown) further relays 600 and at least one information processing server 640, or relays at least one web server 600 and at least one information processing server 640. It is possible that the present invention is not limited thereby.

Referring to FIG. 6, the information processing server 640 may provide online account application information, or provisional processing agreement information (or provisional application information), or an online account provided from the web server 600 through the communication means. An information receiver 620 for receiving at least one or more of security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); and a predetermined financial system. A new provision opening unit 665 for opening a new online account corresponding to the online account application information received through the information receiving unit 620 as a new provision, and the online account opened with the new provision as the club administration account. It comprises a virtual account processing unit 660 for processing in the form of a virtual account to the parent account.

In addition, according to an embodiment of the present invention, the information processing server 640, the new provision management unit 655 for managing the virtual account form of the online account until the real name confirmation for the customer applying for the online account, and the online account A real name verification unit 650 for confirming that the real name of the financial transaction application customer for the online account opened as a new provision in response to the application information is confirmed within a predetermined real name verification period, and in response to the online account application information; When the real name of the opened online account is confirmed, it may be configured to further include a new account processing unit 645 for processing the online account opened as a new financial account.

The information receiving unit 620 may provide online account application information, or provisional processing consent information (or provisional application information), or online account security information, or financial transaction application provided from the web server 600 through the communication means. Information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) at least one or more of the information received, the received online account application information, or a provisional processing agreement Recall at least one or more of the information (or new application information), online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Provided to the provision of new provisions 665.

According to one embodiment of the present invention, online account application information, or provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or virtual information provided from the web server 600. If at least one or more of account processing information or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is encrypted, the information receiver 620 provides the encrypted online account application information, or the provisional processing agreement information. (Or new application information), or online account security information, financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is preferable to further comprise a function.

The new provision establishment unit 665 is the online account application information, or new provision processing agreement information (or new provision application information), or online account security information from the web server 600 through the information receiving unit 620, Or at least one or more of financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), the online account application information, or the provisional processing agreement information. (Or new application information), or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). The online account application information, or the new processing agreement information (or the new application information), or online through a predetermined financial system Open an online account corresponding to at least one or more of account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is done.

Here, the new provision establishment unit 665 is the online account application information, or the new provision processing agreement information (or provisional application information), or online account security information, financial transaction application information, or virtual account processing information, or Opening an online account corresponding to at least one or more of non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a new basis may include applying the online account application information to the ledger D / B provided on the financial system. , Or false transaction processing information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). A predetermined customer ledger corresponding to at least one or more information (can be omitted if the customer ledger is already registered) or at least one online , Including registering the account ledger (e.g., received online account ledger corresponding to the application information) is characterized in that formed.

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

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is associated with a predetermined mother account (eg, a group operating account, etc.) based on the online account application information. Preferably, the club operating account is registered in the general ledger D / B in the form of an account ledger corresponding to the virtual account, wherein the club operating account is configured to open the customer financial account or the online account previously established in the ledger D / B on the financial system. In order to register, it is possible to include at least one or more of the financial institution accounts already established in the ledger D / B on the financial system, whereby the present invention is not limited.

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

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

That is, the new provision establishment unit 665 is the online account application information, or new provision processing agreement information (or new provision application information) received through the web server 600, or online account security information, or financial transactions Based on at least one or more of the application information, the virtual account processing information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information), in conjunction with the external system or information system provided in the financial system; A procedure of opening an online account (eg, a procedure of registering a predetermined online ledger) is performed, and the result is provided to the virtual account processor 660.

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

The virtual account processor 660 may process the online account (or online account ledger) opened by the provisional opening unit 665 as a virtual account having the fellowship operating account as the parent account.

According to an embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having the fellowship operating account as the parent account does not include the conventional virtual account ledger information, but for the online account. It is preferable to include real account ledger information (eg, ledger information including an account number following an account number system corresponding to a real account) that can be processed as a new account in the form of a real account when the financial real name is confirmed. It is preferable that the group is processed in the form of a virtual account with the club operating account as the parent account before real name confirmation.

According to another exemplary embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having the fellowship operating account as the parent account may include virtual account ledger information (eg, a virtual account) having the fellowship operating account as the parent account. General Ledger information including account number following the account number system) may be included. In this case, the virtual account ledger information may be converted into real account ledger information (for example, an account corresponding to a real account) when the financial real name of the online account is confirmed. Ledger information including account number following the numbering system), which is not limited by the present invention.

According to an exemplary embodiment of the present invention, the provisional management unit 655 processes and manages the online account opened as the provisional provision as a virtual account using the fellowship operating account as the parent account until the real name confirmation for the customer applying for the online account is performed. can do.

According to the embodiment of the present invention, the provisional management unit 655 deposits the deposit amount in the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. Processing (for example, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when the predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provision management unit 655 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when the interest for the amount deposited in the online account is calculated through the financial system, the new management unit 655 is the interest of the online account in the form of a virtual account having the interest management group as the parent account. It is characterized by processing.

By processing the online account as a virtual account with the club operating account as the parent account as described above, the provisional management unit 655 allows the online account to check the real name of the financial real estate transaction and confidentiality until the real name verification (Presidential Decree) Protection against violation of 15744).

According to the exemplary embodiment of the present invention, the real name verification unit 650 is the financial real name transaction while the online account opened by the new provision opening unit 665 is managed by the new provision management unit 655. And verifying that the real name of the customer applying for the online account is confirmed within a predetermined real name verification period according to the Financial Real Name Verification Procedure corresponding to the Secret Security Act and the Concurrent Decree (Presidential No. 15744).

According to an exemplary embodiment of the present invention, the real name verification unit 650 checks whether the real name of the online account application customer for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. Can be.

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

* In more detail, Figure 7 shows the virtual account ledger information in the virtual account ledger with the fellowship operating account as the parent account in the ledger information stored in the predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. According to the present invention, the online account ledger information is stored according to the present invention. Those skilled in the art to which the present invention pertains may refer to or modify the drawing 7 to transfer the club operating account to the ledger D / B. Although it may be possible to infer various information construction methods for storing online account ledger information according to the virtual account ledger information in the virtual account ledger, the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method alone.

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

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

According to an embodiment of the present invention, the customer ledger opens the fellowship (or fellowship operating account) for registering an online account in the form of a virtual account linked to the fellowship operating account through the online account registration system shown in FIG. An online account customer who stores customer ledger information for a financial transaction customer and registers an online account in the form of a virtual account linked to a mother account which is the group operating account through the online account registration system shown in FIG. It is desirable to store ledger information.

Here, the customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein a fellowship member who opens the online account is the financial institution customer of the financial institution. If the customer ledger of the customer who opens the online account is already provided in B, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

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

According to the implementation method of the present invention, the fellowship management account is connected in relation to the club president (or fellowship member) customer ledger who opened the fellowship management account, and the fellowship management account is connected to the online account registration system shown in FIG. It is preferable to correspond to the parent account of the virtual account corresponding to the online account registered through.

Here, it is preferable that the account ledger corresponding to the parent account (club operating account) of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 6 is connected to the virtual account ledger in a relational manner.

The virtual account ledger is connected to the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. The virtual account ledger information is characterized in that it comprises an information structure that further comprises the mother account number and the mother account operating institution information in the basic account ledger information, such as the account ledger.

That is, as shown in FIG. 7, the online ledger information provided in the virtual ledger also includes an information structure including the mother account number and the mother account operating institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the configuration of the virtual account ledger information associated with the account ledger corresponding to the fellowship operating account, and the configuration of the virtual account ledger information Since the following online ledger information configuration may be inferred, the detailed description thereof will be omitted for convenience.

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

More specifically, FIG. 8 provides a predetermined online account request user interface to the group member terminal from the web server 600 shown in FIG. 6, and the group member terminal provides a predetermined online account request user interface. Input (or select) online account application information to the web server 600 through a predetermined network means, and the web server 600 sends the online account application information to the financial institution through a predetermined communication means. As a process for providing the provided information processing server 640, those of ordinary skill in the art to which the present invention pertains, the web server 600 in the group member terminal by referring to or modifying this figure 8 It will be possible to infer various implementation methods for providing the online account application information to the information processing server 1640 through, It said method comprises all of the embodiments in which the inference, not limited by the exemplary method shown in the figure 8.

For example, in FIG. 8, the group member terminal provides only the online account application information to the web server 600. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, the web server Corresponding to the user interface provided to the group member terminal at 600, the group member terminal in addition to the online account application information, the new provision processing agreement information (or new provision application information), online account security information, or financial transaction application It is possible to infer an implementation method for providing at least one or more of information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). False processing consent information (or false application information), or online account security information, Or an implementation method of providing at least one or more information of financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited thereto. .

In addition, if the person skilled in the art to which the present invention pertains, the web server 600 in response to the security function provided in the communication means for connecting the web server 600 and the information processing server 640 The online account request information may be encrypted and transmitted, and the information processing server 640 may infer an implementation method of decrypting the online account request information, but the present invention includes the inferred implementation method, whereby The present invention is not limited.

Referring to FIG. 8, the group member terminal illustrated in FIG. 6 accesses the web server 600 through a network means including at least one wired or wireless communication network (800), and the web server 1600. At least one web-based service provided by the user) (805), wherein the web server 1600 is a group-based account opening information that is the mother account of the online account in the web-based service provided to the group member terminal. While providing, a predetermined online account application user interface may be provided.

Accordingly, while the web server 600 provides at least one web-based service to the fellowship member terminal as described above, the online account open user account is set up from the fellowship member terminal as the parent account through the online account application user interface. Periodically checks whether a predetermined online account application user interface is requested for the financial product application interface (810), and if the financial product application interface is requested from the group member terminal (815), the web server 600 is sent to the group member terminal. Generate a predetermined online account application user interface to be provided (or extract it from a predetermined web source D / B (not shown)) (820), and provide the online account application user interface to the group member terminal through the network means; (825).

Thereafter, the group member terminal inputs (or selects) predetermined online account application information through the online account application user interface (830), and the online account application information is the parent account of the group operating account requested by the group member. And at least one or more of the agreement information corresponding to the online account, the club member account information to transfer the club fee to the online account, the club club transfer condition information, and the club member information.

When the online account application information is input (or selected) as described above, the fellowship member terminal transmits the online account application information to the web server 600 through the network means (835).

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

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

When an interface for inputting (or selecting) at least one online account security information is provided to the group member terminal, the group member terminal inputs (or selects) the online account security information through the interface, and then inputs the input. Or transmits the selected online account security information to the web server 600 through the network means, or further includes the online account security information in the online account application information. 600).

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 600.

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

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may be configured to open an online account corresponding to the online account application information in the form of a virtual account whose parent account is the parent account. It is preferable to include an interface for inputting (or selecting) the virtual account processing information including the group information and the group operating account information.

When an interface for inputting (or selecting) virtual account processing information including the group information and the group operating account information is provided to the group member terminal, the group member terminal inputs the virtual account processing information through the interface (or And transmit the input (or selected) virtual account processing information to the web server 600 through the network means, or further include the virtual account processing information in the online account application information. It may transmit to the web server 600 through the means.

Thereafter, the web server 600 receives the online account application information and stores it in a predetermined storage medium 635 (840).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 635 may include the web server (or a web server operating institution or a group operating server, etc.) and the information processing server 640 ( Or it may be omitted in accordance with the business cooperation agreement between the financial institutions, thereby the present invention is not limited.

Thereafter, the web server 600 transmits the online account application information to the information processing server 640 through a predetermined communication means (845), and the information processing server 640 transmits the web through the communication means. Receive the online account application information provided from the server 600 (850).

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

In more detail, in FIG. 9, if the web server 1600 illustrated in FIG. 6 provides a predetermined online account request user interface to the group member terminal, the group member terminal may request a predetermined online account request user interface. Input (or select) and encrypt online account application information to the web server 600 through a predetermined network means, and decrypt the online account application information in the web server 600 through a predetermined communication means. The process of providing the online account application information to the information processing server 640 provided in the financial institution, if one of ordinary skill in the art to which the present invention belongs, refer to or modify the drawing 9 The group member terminal provides the online account application information to the information processing server 640 through the web server 600. It will be possible to infer various implementation methods, but the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in FIG. 9, the group member terminal provides only the online account application information to the web server 600. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, the web server Corresponding to the user interface provided to the group member terminal at 600, the group member terminal in addition to the online account application information, the new provision processing agreement information (or new provision application information), online account security information, or financial transaction application It is possible to infer an implementation method for providing at least one or more of information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). False processing consent information (or false application information), or online account security information, Or an implementation method of providing at least one or more information of financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited thereto. .

In addition, if the person skilled in the art to which the present invention pertains, the web server 600 in response to the security function provided in the communication means for connecting the web server 600 and the information processing server 640 The online account request information may be encrypted and transmitted, and the information processing server 640 may infer an implementation method of decrypting the online account request information, but the present invention includes the inferred implementation method, whereby The present invention is not limited.

Referring to FIG. 9, the group member terminal illustrated in FIG. 6 accesses the web server 900 through a network means including at least one wired or wireless communication network (900), and the web server 600. At least one of the web-based services provided by the (905), wherein the web server 600 is the web-based service provided to the fellowship member terminal online account information using the fellowship operating account according to the present invention as a parent account While providing a predetermined online account application user interface.

Accordingly, while the web server 600 provides at least one web-based service to the fellowship member terminal as described above, the online account open user account is set up from the fellowship member terminal as the parent account through the online account application user interface. Periodically checks whether a predetermined online account request user interface for (or request) is requested (910), if the online account request user interface is requested from the fellow member terminal (915), the web server 600 Generate a predetermined online account request user interface equipped with a predetermined security function (or extract it from a predetermined web source D / B (not shown)) (920), and display the online account request user interface through the network means; It is provided to the terminal (925).

Here, the security function provided in the online account request user interface includes a function of encrypting the online account application information input (or selected) from the group member terminal by a predetermined encryption method or the electronic account of the customer in the online account application information. It comprises at least one function for attaching a signature, preferably in the form of a security program that works with the online account application user interface, wherein the security program is at least one or more for encrypting the online account application information It is preferable that an encryption key is provided.

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

Thereafter, the group member terminal inputs (or selects) predetermined online account application information through the online account application user interface (930), and the online account application information is the parent account of the group operating account requested by the group member. And the at least one agreement information corresponding to the online account, the club member account information to transfer the club fee to the online account, the club club transfer condition information, and the club member information.

When the online account application information is input (or selected) as described above, the group member terminal encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface (or the Attach the electronic signature of the customer to the online account application information (935), and transmits the encrypted online account application information to the web server 600 via the network means (940).

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

In addition, the online account security information further includes a predetermined personal identification number (PIN) or wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. The present invention is not limited thereto.

When an interface for inputting (or selecting) at least one online account security information is provided to the group member terminal, the group member terminal inputs (or selects) the online account security information through the interface, and then inputs the input. Or transmits the selected online account security information to the web server 600 through the network means, or further includes the online account security information in the online account application information. 600).

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 600.

Thereafter, the web server 600 transmits the online account application information to the information processing server 640 through a predetermined communication means (945), and the information processing server 640 transmits the web through the communication means. Receive the online account application information provided from the server 600 (950).

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

In more detail, in FIG. 10, in the information processing server 640 shown in FIG. 6, a predetermined online account is opened based on the online account application information provided from the web server 600, and the online account is operated by the group. This is a process of processing an account as a virtual account as a parent account, and a person having ordinary knowledge in the field to which the present invention pertains refers to the information processing server 640 shown in FIG. It is possible to infer various implementation methods for processing an online account as a virtual account having the fellowship operating account as a parent account based on the provided online account application information, but the present invention includes all the inferred implementation methods, whereby The present invention is not limited.

For example, in FIG. 10, only the online account application information is provided from the web server 600 to the information processing server 640. However, the present invention includes those skilled in the art. In addition to the online account application information, the provisional processing consent information (or the provisional application information), or the online account security information, or financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to infer an implementation method in which at least one or more information of the application information is provided to the information processing server 640. However, the present invention provides the information processing server 640 with the provisional processing agreement information (or a provisional provision). Application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (also Non-face-to-face financial transaction request information), and of the embodiment includes a method which at least one or more of the information is further provided, to which the present invention is not limited.

11 is a diagram showing the configuration of an online account management system for transferring club expenses from a group member account according to an embodiment of the present invention to an online account having a group account as a parent account.

More specifically, FIG. 11 illustrates the automatic transfer of a predetermined club fee from a group member account registered as a predetermined group member to an online account whose parent account is the group operating account registered through the online account registration system shown in FIG. For the construction of an online account management system for those who have ordinary knowledge in the technical field to which the present invention pertains, refer to or modify this drawing 11, and the club fee from the group member account to the online account of the group operating account as the parent account Various implementation methods for the construction of the online account management system for the transfer may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 11 according to an embodiment of the present invention, the online account management system may be configured to open the online account in which the club operating account is the parent account through the online account registration system shown in FIG. An online account management server 1100 for processing the club fee transfer from the club member account to the online account with reference to the club fee direct debit account and the date and time of the debit that can be included in the account application information and the online account are opened. And a financial system (e.g., equipped with an online account ledger).

In FIG. 11, for convenience of description, the online account management server 1100 is configured as one server. However, the present invention is not limited thereto, and the online account management server 1100 may be used by those skilled in the art. According to the intention, it is possible to be implemented by at least two or more servers separated by function configuration, whereby the present invention is not limited.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one or more At least one of the accounting system that handles window services such as loans or receptions or trusts or foreign exchanges that occur at branches (or counters), the processing of headquarters operations, branch office information support, and customer information management; Interconnection between one or more other financial systems (or payment systems), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking) , Etc.) to the financial system, or at least one It is characterized in that it comprises an external system that provides a variety of financial transaction interfaces through the common network (for example, CD common network, financial common network), and the financial system provides an interface between components in the financial system The interface module corresponding to the middleware platform, and stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one or more databases (1305).

According to the implementation method of the present invention, the financial system according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) equipped with the financial system and the purpose and characteristics of the financial system, At least one or more components such as foreign exchange module (not shown), investment finance module (not shown), and international module (not shown) may be further included. If the pendulum will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial system provided in the financial institution is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (for example, a branch network). It is characterized in that, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), and / or at least one financial terminal provided in a public place is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network connected to a TCP / IP-based backbone network through the Internet banking server (for example, wired Internet, or IEEE 802.11x-based wireless LAN, or At least one client terminal 1960 (e.g., a personal computer (PC) or laptop equipped with the wired Internet connection and browsing function) connected to an IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet connection and A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop or mobile terminal equipped with a browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network, or connected to the Internet or a DataTAC / Mobitex-based wireless data communication network, or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based to at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or an IEEE 802.11x based wireless LAN communication network. Provide non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal and / or smart) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a phone.

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

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

Referring to FIG. 11, the online account management server 1100 is a group member account registered as the group member from the group member account that is registered through the online account registration system shown in FIG. In order to automatically transfer a predetermined club fee, an information confirmation unit for confirming automatic transfer of club fee associated with the online account in association with the storage medium (or ledger D / B on the financial system), and automatically confirming the identified club fee An account management unit for transferring a predetermined club fee from the group member account to the online account with reference to the transfer information, and a predetermined club fee transfer history processed by the account manager as a predetermined financial transaction history; The ledger processing unit records in the online account ledger provided in the financial system and the open online accounts. By comprising a data storage that stores the money transfer financial transaction information to a storage medium, characterized by comprising.

The information checking unit, for the automatic transfer of a predetermined club fee from the group member account registered as the group member to the online account of the group operating account registered through the online account registration system shown in FIG. And checking the club fee automatic transfer information associated with the online account stored in the storage medium (or ledger D / B on the financial system), and the identified club fee automatic transfer information is transferred to the account manager.

The club fee automatic transfer information includes the club member account information for transferring the club fee to the online account, the club fee transfer date information, and the club fee transfer amount information.

The account management unit performs a financial transaction for transferring a predetermined club fee from the club member account to the online account with reference to the automatic transfer of club fee from the storage medium (or ledger D / B). It is characterized by performing.

The ledger processing unit, when the group fee is transferred from the group member account to the online account through the account management unit, characterized in that the transfer history is recorded in the online account ledger provided in the financial system.

The information storage unit may store the money transfer financial transaction information for the online account in a predetermined storage medium in association with the group member information (or in association with the online account information).

12 is a diagram illustrating an online account operation process for processing a club fee transfer from a group member account according to an embodiment of the present invention to an online account having a group account as a parent account.

In detail, FIG. 12 illustrates the automatic transfer of a predetermined club fee from a group member account registered as a predetermined group member to an online account whose parent account is the group operating account registered through the online account registration system shown in FIG. As an online account management process for those who have ordinary knowledge in the technical field to which the present invention pertains, refer to or modify the drawing 12 and transfer the club fee from the group member account to the online account having the parent account as the parent account. Various implementation methods for the online account operation process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following Figure 12, the online account management server 1100 on the online account management system shown in Figure 11 is referred to as " server " for convenience.

Referring to FIG. 12, the embodiment may be started through a process of periodically checking group fee transfer condition information stored in association with group member information in a storage medium in a server (1200).

Here, the club fee transfer condition information, characterized in that the information including the date and time of the transfer fee, the transfer amount, etc., if the result of the club fee transfer condition information check, linked to the club operating account from the club member account If it is necessary to transfer the club fee to the online account (1205), the server checks the group member account information, and checks the confirmed club member account balance, and determines whether the withdrawal of the club fee is possible (1210). ).

If it is possible to withdraw the club fee from the club member account (1215), the server checks the group member online account information to deposit the club fee to be withdrawn from the club member account (1220).

When the club member online account information is confirmed, the server withdraws the club fee from the club member account (1225), and deposits the withdrawn club fee into the group member online account (1230).

According to an embodiment of the present invention, the club fee deposited into the club member online account is to be paid for use through a club linked to the online account (or parent account) or a card linked to the club operated account. It is registered as

The server stores the club fee deposit processing history in the storage medium in association with the club member information (or online account information).

FIG. 13 illustrates a card issuing system for issuing a club fee management card associated with a club operating account according to an embodiment of the present invention.

In more detail, in FIG. 13, in order to issue a club fee management card associated with a club operating account opened through the club account opening system shown in FIG. 1 or FIG. When providing predetermined card issuing application information for issuing an operation card, the card issuing institution (or financial institution) based on the provided card issuing application information to the fellowship member membership fee operating card associated with the club operating account As a configuration of a system for issuing a card, a person having ordinary knowledge in the technical field to which the present invention pertains, a card issuing system for issuing a club fee operating card linked to the club operating account by referring to or modifying this drawing 13. Various implementation methods for the configuration may be inferred, but the present invention Includes all embodiments and methods, it shall not be limited to the exemplary method shown in the figure 13.

Hereinafter, at least one means or function for issuing the club fee operation card to the club member based on the card issuance application information provided from the club member through a predetermined card issuing interface on the card issuing system shown in FIG. Components corresponding to the configuration are referred to as "card issuing server 1300" for convenience.

Referring to this figure 13 according to the embodiment of the present invention, the card issuing system for issuing the club fee operating card, characterized in that comprises a teller terminal used by the card issuing staff provided with at least one financial institution Or, if the card issuing system supports a non-face-to-face card issuance application, comprising a client terminal including at least one wired terminal or a wireless terminal used by a group member applying for issuance of the club fee operation card. The counter terminal or client terminal is connected to a card issuing server 1300 provided on the card issuing institution (or financial institution) through a predetermined network means.

According to one embodiment of the present invention, the club member visits the financial institution for issuing the club fee operation card and through the window provided at the financial institution (or through a card issuer). Prepare a predetermined card issuance application (e.g., a document with a form for filling in at least one information item for issuing a club fee management card) to issue a card (or the card issuing staff member Visit the club member to fill out a predetermined card issuance application form for issuing the club fee operation card), and submit the completed card issuance application form to the card issuing staff. Input (or select) the information entered in the card issuance application through the terminal, The teller terminal may transmit the input (or selected) information to the card issuing server 1300 provided on the card issuing institution (or financial institution) via the network means.

Here, the teller terminal preferably comprises a teller terminal used by the card issuing staff provided in the financial institution, the card issuing server 1300 connected to the teller terminal is provided on the predetermined financial system It is preferable to include a ledger server, wherein the network means for connecting the teller terminal and the card issuing server 1300 is a financial network (eg, our network) connecting the communication channel between the teller terminal and the card issuing server 1300 It is preferable to comprise).

In the card issuing system as described above, a card issuance application created by the group member, a window terminal used by the card issuing staff, and a financial network connecting the window terminal and the card issuing server 1300 are the group member. The card issue interface performs a function of registering a card issuance application information for issuing the club fee operation card.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuance application, the group member is selected from among a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Access the card issuing server 1300 through at least one client terminal, and input card issuing application information for issuing the same club fee operating card through at least one or more user interfaces provided by the card issuing server 1300. (Or selection), the client terminal may transmit the data to the card issuing server 1300 provided on the card issuing institution (or financial institution) through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a mobile communication network of Code Division Multiple Access (CDMA) based (or High-Speed Downlink Packet Access (HSDPA) based), and / or the IEEE 802.16x based portable Internet. A generic term for all terminal devices connected to a wireless LAN based on an IEEE 802.11x-based wireless LAN, and / or a personal communication system (PCS) or global system for mobile communications connected to the CDMA-based mobile communication network. Terminal or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the A portable Internet terminal connected to an IEEE 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN An preferably comprises at least one.

In addition, the client terminal outputs at least one or more user interfaces provided by the card issuing server 1300, and inputs or selects at least one or more information through the user interface to transmit the card issuance server 1300. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the card issuing server 1300, etc.) is provided.

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

In the card issuing system, a client terminal including at least one wired terminal or a wireless terminal used by the group member, and at least one wired network or wireless connecting the client terminal and the card issuing server 1300. The network performs a function of a card issuing interface for the club member to register the card issuing application information for issuing the club fee operation card.

According to another exemplary embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuing application, the card issuing terminal 1340 may have a predetermined financial network (for example, in addition to the window terminal or the client terminal). Or a financial automatic machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD) connected to the financial common network, or a predetermined public telephone network ( It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or a predetermined wireless telephone network connected to a mobile communication network or a wireless VoIP network. A terminal (or server) (not shown) further comprising a call terminal (not shown) of or provided in at least one or more institutions affiliated with the financial institution. It may further comprise, and to which the present invention is not limited.

In the case of supporting a non-face-to-face card issuing application as described above, when the card issuing terminal 1340 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device (Not shown) and the financial network connecting the card issuing server 1300 performs a function of a card issuing interface for the club member to register card issuance application information for issuing the club fee operation card, or the card When the issuing terminal 1340 is the call terminal (not shown), the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the card issuing server 1300 is the group. A member performs a function of a card issuing interface for registering card issuance application information for issuing the club fee operation card, or the card issuing terminal 1340 In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the card issuing server 1300 The network that connects the group performs a function of a card issuing interface for registering the card issuing application information for issuing the club fee management card.

The storage medium 1335 provided on a card issuing institution (or a financial institution) according to the present invention is based on the card issuing application information provided from the card issuing terminal 1340 to the group member operating the club fee management card After issuing, it is characterized by storing the association operating account information and the club expenses operating card information associated with the issue of the club expenses operating card.

Here, the fellowship management account information is the fellowship management account information opened through the club association account opening system shown in FIG. 1 or 3, and may include an account number for the fellowship management account.

According to one embodiment of the invention, the storage medium 1335 is a DBMS on a predetermined financial system provided on the card issuing institution (or financial institution) (or associated with the card issuing institution (or financial institution)). Preferably, the storage medium 1335 may be a ledger D / B provided in a DBMS on the financial system, or may be a predetermined database associated with the ledger D / B. This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1335 may include a card payment system, an internet banking system, or a telebanking system provided on (or associated with) a card issuer (or financial institution), or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system or a TV banking system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1335 performs a predetermined information processing function on the card issuing institution (or financial institution) by using the club operating account information and the club fee operating card information. It is preferable to be provided in a predetermined DBMS interoperating with a server (or a device). In this case, the location where the storage medium 1335 is provided may be variously performed according to the intention of those skilled in the art, and the present invention is not limited thereto. No.

The card issuing server 1300 provided on the card issuing institution (or financial institution) according to the present invention is connected to the card issuing terminal 1340 via a predetermined network means. Generic terms of the components may be implemented by including at least one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), thereby the present invention This is not limited.

According to the embodiment of the present invention, the card issuing server 1300 is characterized in that it comprises an interface unit 1305 for providing a predetermined card issuing interface to the card issuing terminal 1340 through the network means. .

According to an embodiment of the present invention, when the card issuing terminal 1340 is a window terminal connected to a predetermined financial network, the interface unit 1305 may be connected to the window terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in the card issuing application program provided in the window terminal.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1340 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 1305 is the wired network. Or connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1305 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined card issuing application program provided by the card issuing server 1300, the interface unit 1305 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the card issuing terminal 1340 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1305 is a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Or, if the client terminal is provided with a card issuance application program provided by the card issuance server 1300, the interface unit 1305 connects the communication channel with the client terminal based on the CDMA protocol, the communication Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in program.

Referring to FIG. 13, the card issuing server 1300 interworks with the interface unit 1305 when a predetermined card issuing terminal 1340 is connected to the card issuing server 1300 through the interface unit 1305. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined card issuing application information from the card issuing terminal 1340 to the card issuing terminal 1340. 1310 and an information receiving unit 1315 which receives predetermined card issuing application information transmitted from the card issuing terminal 1340 by inputting (or selecting) through the user interface in association with the interface unit 1305; An information generation unit 1325 for generating card information corresponding to a club fee operation card to be issued to the group member based on the received card issuing application information, and a predetermined card issuing device The card issuing unit 1330 for issuing a predetermined club fee management card including the card information, and the club fee management card information corresponding to the club fee management card issued to the club member with the club fee management card information. And an information storage unit 1320 to process and store the information in the storage medium 1335.

The interface providing unit 1310 corresponds to a functional configuration provided in the card issuing terminal 1340 when a predetermined card issuing terminal 1340 is connected to the card issuing server 1300 through the interface unit 1305. Generate (or select) the card issuing application information to generate a predetermined user interface which can be transmitted to the card issuing server 1300 through the network means, or extract from a predetermined database (not shown), The user interface generated (or extracted) in cooperation with the interface unit 1305 may be provided to the card issuing terminal 1340 through the network means.

According to an embodiment of the present invention, the interface providing unit 1310 may issue a user interface for inputting the group member information, a user interface for inputting (or selecting) the group operating account information, and issue the club fee operation card. Create (or extract) a user interface for inputting (selecting) card issuance request information including at least one user interface for inputting (or selecting) requesting card issuing request information, and the card issuing terminal ( 1340) characterized in that provided.

According to an embodiment of the present invention, when the card issuing terminal 1340 is a window terminal connected to a predetermined financial network, the interface providing unit 1310 may provide a card issuing application program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 1305.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1340 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 1310 may include the client. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1305. Do.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1340 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1305.

According to another exemplary embodiment of the present invention, the card issuing terminal 1340 provides a user interface for inputting the group member information, a user interface for inputting (or selecting) group operating account information, and the club fee operating card. If a card issuing request program having a user interface for inputting (selecting) card issuing request information including at least one user interface for inputting (or selecting) card issuing request information for issuing is provided, It may be omitted that study 1310 generates (or extracts) and provides a user interface for inputting (selecting) the card issuing application information to the card issuing terminal 1340 through the network means. The invention is not limited.

Thereafter, the card issuing terminal 1340 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server is configured to input the card issuing application information (or selected) through the network means. Send to 1300.

According to the exemplary embodiment of the present invention, the card issuance application information may include at least one of the group member information, the club operating account information, and the club fee operation card issuance request information.

Here, the group member information includes group member personal information (eg, member name, resident registration number, address, phone number, mobile phone number, e-mail address, group information, etc.) and the group member information (eg, The club member ID information provided in the card issuing institution (or financial institution), or the CIF (Customer Information File) of the group member provided in the ledger D / B on the financial system provided in the card issuing institution (or financial institution). ) At least one or more).

Further, the fellowship operating account information corresponds to the fellowship operating account opened through the fellowship account opening system shown in FIG. 1 or FIG. 3 in the ledger D / B on the financial system provided in the card issuing institution (or financial institution). As a financial account information capable of freely depositing and withdrawing associated with the club fee operation card to be issued, it may be made including an account number for the club operation account.

In addition, the card issuing request information is preferably made to include information for requesting to issue a club fee operating card associated with the club operating account.

The information receiving unit 1315 receives (or selects) predetermined card issuing application information from the card issuing terminal 1340 through the user interface and transmits the same through the network means. And receiving the card issuing application information, and the received card issuing application information is provided to the information generating unit 1325.

In addition, according to an embodiment of the present invention, the information receiving unit 1315 may apply to the received card issuance application with reference to the club fee operation card issuance number and club fee operation card issuance target group members, etc. stored in the storage medium. It is characterized by checking whether a mall membership fee operation card can be issued to a group member corresponding to the group member information included in the information.

The information generating unit 1325 generates predetermined card information to be provided in the club fee management card to the group operator based on the card issuing application information received through the information receiving unit 1315.

Here, the card information preferably includes a card number and an expiration date, etc. using the club operating account as a payment account.

When the predetermined card information included in the club fee management card is generated by the information generation unit 125, the card issuing unit 130 includes a club fee operation card including the card information through a predetermined card issuing device. It characterized in that the production, and the above-described club fee management card is provided (or shipped) to the club members.

According to an embodiment of the present invention, the card issuing device includes a device for recording the card information on an MS track (eg, track I, track II, track III) included in the club fee management card. At this time, the information generating unit 125 generates card information in a data structure recordable on the MS track, and the card issuing unit 130 records the card information on the MS track by using the card issuing device, thereby allowing the group member to record. It is possible to issue a predetermined club fee operating card to be issued to.

In addition, the card issuing device includes a device for recording the card information in a memory provided in the IC chip of the club fee operation card, wherein the information generating unit 1325 is a COS provided in the IC chip The card information is generated in a file structure operable through a Chip Operating System, and the card issuing unit 1330 records the generated card information in the memory of the IC chip through the card issuing device, A predetermined club fee management card to be issued to a member can be issued.

The club fee operation card produced as described above is provided to the fellowship member, or is delivered to the fellowship member according to a predetermined card provision procedure, after which the fellowship member is a card issuer (or financial institution) according to the present invention. Through the club fee operation card will be used.

Subsequently, the information storage unit 1320 is generated by the information generation unit 1325 and the club expenses operating account information included in the card issuance application information received from the group member through the information receiving unit 1315. The card information may be stored in the storage medium 135 by linking the card information.

14 is a diagram showing the configuration of information provided in the storage medium 1335 according to the issue of the club fee management card associated with the club fee management account according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates that when the storage medium 1335 shown in FIG. 13 is a ledger D / B provided in a DBMS on a financial system, the ledger information provided in the ledger D / B and the fellowship operating account information. As an information structure of an implementation method in which club fee operation card information is linked and stored, specifically, the club member account information corresponds to the account ledger information on the account ledger provided in the ledger D / B. Non-operational card information corresponding to the club expenses operating card ledger information on the card ledger provided in the ledger D / B.

If one of ordinary skill in the art to which the present invention pertains, referring to or modifying the drawing 14, infer various configuration of information provided in the storage medium 1335 according to the issue of the club fee operating card associated with the club operating account. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, the storage medium 1335 is not in the ledger D / B on the financial system, but is provided in at least one or more other databases linked to the ledger D / B on the DBMS, or at least one card linked to the financial system. It may be provided on a payment system or a non-face-to-face financial transaction system, whereby the present invention is not limited.

Referring to FIG. 14 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined group member customer ledger and an account ledger associated with the group member customer ledger ( For example, the reception ledger, the loan ledger, etc.) and at least one card ledger associated with the fellowship member customer ledger (or account ledger) is illustrated, and a person having ordinary knowledge in the technical field to which the present invention belongs. The ledger D / B provided in the DBMS on the financial system includes at least one ledger (eg, a loan ledger, a mortgage ledger, ...) in addition to the club member customer ledger, the account ledger, and the card ledger shown in FIG. It will be clearly understood that at least one additional information for maintaining and managing the ledgers is further included, Since it will be familiar with the technical matters, a detailed description thereof will be omitted for convenience.

The club member customer ledger includes CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, daily worker name, customer address, area classification code, telephone number, business number, business name, classification code, and expiration date. , State headquarters information, settlement date, cash available date, surname, name, resident registration number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The daily employee's customer ledger includes ledger information for a fellowship member including at least one of an individual customer, a corporate customer, and a minor.

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

In addition, the account ledger is relationally associated with the group member customer ledger, account number, CIF number, point number, currency, opening date, status, corresponding to at least one or more financial accounts opened in the name of the group (or group member) Product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, last deposit, last It includes at least one withdrawal amount, number of unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, account number corresponding to the ledger, Periodic reception information including at least one or more abstentions (months), period (days), period extension, expiration date, and target amount, or account number, deposit amount, face value corresponding to the ledger Trust reception information including at least one amount, pension date and number of shares, or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of commencement, bank account line, summary, transaction details including at least one of the CIF.

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

In addition, the card ledger is characterized in that the relational relationship with the club member customer ledger, the card ledger is a payment account (eg, at least one of the club expenses operating card of the account ledger associated with the club member customer ledger) And a predetermined account ledger corresponding to a plurality of online accounts).

Of the at least one account ledger associated with the club member customer ledger, the club fee management card ledger associated with the predetermined account ledger corresponding to the payment account of the club fee operation card is the club fee operation card number, expiration date, and club fee. It includes at least one club fee operating card payment means information such as operating card issuance date, etc. If the person having ordinary knowledge in the technical field to which the present invention belongs, you will be familiar with the composition of the club fee operating card ledger information Detailed description thereof will be omitted for convenience.

15 is a diagram illustrating a process for issuing a club fee management card associated with a club fee operating account according to an embodiment of the present invention.

In more detail, in FIG. 15, in the card issuing system shown in FIG. 13, a predetermined group member has a predetermined card issuance interface (e.g., at least one card issuance application, a counter terminal, a financial network, a wired terminal or a wireless terminal). And transmitting predetermined card issuing application information to the card issuing server 1300 through a client terminal and a network means), the card issuing server 1300 and the club operating account based on the card issuing application information. Regarding the process of issuing a linked club fee operation card, a person having ordinary knowledge in the technical field to which the present invention pertains may issue a club fee operation card associated with the club operation account by referring to or modifying the drawing 15. It will be possible to infer various implementation methods to the invention, but the present invention includes all of the inferred implementation methods It said, is not limited to the exemplary method shown in the figure 15.

Hereinafter, in FIG. 15, the card issuing terminal 1340 shown in FIG. 13 is referred to as a "terminal" for convenience, and the card issuing server 1300 is referred to as a "server" for convenience.

Referring to FIG. 15, in order to issue a club fee management card associated with the club operating account, the club member prepares a predetermined card issuance application form including predetermined card issuance application information through a predetermined card issuance interface, or When the card issuing system shown in FIG. 13 supports a non-face-to-face card issuance application, the group member inputs (or selects) predetermined card issuance application information through a predetermined client terminal, and then issues a predetermined card issuance. The card issuing application information is provided to the server through an interface (1500).

Here, the card issuing interface preferably comprises a card issuance application prepared by the group member and a network means including a window terminal used by the financial institution employee and a financial network connecting the window terminal and the server, When the card issuing system supports a non-face-to-face card issuing application, the card issuing interface preferably includes a predetermined client terminal used by the fellowship member and network means for connecting the client terminal and the server. .

According to the exemplary embodiment of the present invention, the card issuing application information may include at least one or more of the club member information, the club operating account information, and the club fee management card issuing request information.

Here, the group member information includes group member personal information (for example, name, resident registration number, address, phone number, mobile phone number, e-mail address, member ID information, group information, etc.) and the group member information applying for issuance of the club fee operation card. (E.g., the member ID information of the member provided in the card issuing institution (or financial institution), or the CIF of the group member provided in the ledger D / B on the financial system provided in the card issuing institution (or financial institution) (Customer Information File) number, etc.) is preferably included.

In addition, the club operating account information is the operation of the club fee to be issued among the at least one or more financial accounts opened in the name of the club (or club members) in the ledger D / B on the financial system provided in the card issuing organization (or financial institution) As a financial account information capable of freely depositing and withdrawing associated with a card, it may be made including an account number for the club operating account.

In addition, the card issuing request information is preferably made to include information for requesting to issue a club fee operating card associated with the club operating account.

When predetermined card issuance application information is received through the card issuance interface, the server reads the received card issuance application information, thereby checking the validity of issuing the club fee operation card to the group member (1505). ).

Here, the card issuance validity check is a group member that the server is allowed to read the group member information contained in the card issuance application information to allow the group member to be issued a club fee operation card card associated with the club operating account It is preferable to include checking whether it is.

In addition, the card issuance validity check is that the server reads the group member information included in the card issuance application information to satisfy the condition that the group member can be issued a club fee operation card card associated with the club operating account It is preferable to include checking.

In addition, the card issuance validity check is performed by the server in connection with the financial system provided in the card issuing institution (or financial institution) financial account corresponding to the group operating account information included in the card issuing application information to the financial system It is preferable that it consists of checking whether it is equipped in equipped ledger D / B.

If the validity for issuing the club fee operation card to the group member is not authenticated through the card issuing application information (1510), the server provides card issuing error information to the group member through the card issuing interface. And (1515), issuing the club fee operation card to the club member.

If the validity to issue the club fee management card to the group member through the card issuance application information is authenticated (1510), the server is based on the card issuance application information to the club fee management card to issue to the club member The predetermined club fee operation card payment means information is generated (1520).

Here, the club fee operating card payment means information preferably comprises a club fee operating card number and expiration date, etc. using the club operating account as the payment account.

Thereafter, the server generates a predetermined club fee management card including the club fee operation card payment means information through a predetermined card issuing device and provides (or delivers) it to the club member (1525).

According to an embodiment of the present invention, the card issuing device includes a device for recording the club fee operating card payment means information on an MS track (eg, track I, track II, track III) included in the club fee operating card. In this case, the server generates the club fee operating card payment means information in a data structure that can be recorded on the MS track, and by recording the club fee operating card payment means information on the MS track through the card issuing device, A predetermined club fee operation card to be issued to a club member can be issued.

In addition, the card issuing device comprises a device for recording the club fee operating card payment means information in the memory provided on the IC chip of the club fee management card, wherein the server is COS provided in the IC chip The club fee operation card payment means information is generated in a file structure operable through a chip operating system, and the club fee operation card payment means information is recorded in the memory of the IC chip through the card issuing device. A predetermined club fee management card to be issued to a member can be issued.

Thereafter, the server receives the MS medium information including the club operating account information included in the card issuance application information and the generated club fee operating card payment means information recorded in the MS provided in the club fee operating card card. Links club fee management card information, including club fee management card information, and IC fee information including the generated club fee operation card payment means information is recorded on the IC chip provided in the club fee operation card; The process is stored in the storage medium 1335 (1535).

Here, the club operating account information is associated with a plurality of online accounts, the club expenses management card of the at least one financial account opened in the name of the group (or club operators) to which the members of the club providing the card issuing application information subscribed As a financial account information that can be freely withdrawn and associated with, it is preferable to include an account number for the club operating account.

Further, the club fee management card information includes a club fee operation card payment means information including a club fee operation card number and an expiration date, etc. using the club operation account as the payment account, and the club fee operation card payment means information includes the club fee. It may be made by including the MS medium information to confirm that the recorded in the MS provided in the non-operating card.

In addition, the club expenses operating card information is the club expenses operating card payment means information, including the club expenses operating card number and expiration date, etc. using the daily employee account as the payment account, the club expenses operating card payment means information is the club It may include the IC medium information to confirm that the recorded on the IC chip provided in the non-operational card.

According to an embodiment of the present invention, the storage medium 135 is provided to a DBMS on a predetermined financial system provided on the card issuing institution (or financial institution) (or associated with the card issuing institution (or financial institution)). Or a predetermined DBMS interworking with a server (or device) that performs a predetermined information processing function using the group operating account information and the club fee operating card information on the card issuing institution (or financial institution). It is preferable.

16 is a diagram illustrating an online card payment system configuration through an online account link card according to an embodiment of the present invention.

In more detail, FIG. 16 shows a plurality of online accounts associated with the club operating account when the payment is processed using the club fee operating card having the club operating account issued through the card issuing system shown in FIG. 13 as the payment account. An online card payment system through an online account link card that accepts and processes a payment for a payment amount corresponding to the online account link card based on a deposited amount, and has a general knowledge in the technical field to which the present invention pertains. If you grow up, you can infer various implementation methods for the configuration of various payment systems using the club fee operation card using the club operating account linked to the plurality of online accounts as a payment account by referring to or modifying the drawing 16. The invention includes all implementation methods inferred, and The technical features are not limited only to the illustrated embodiment.

Referring to FIG. 16, the online card payment system through the online account link card includes at least one group member terminal connected to a predetermined communication network and a payment request server provided at an online affiliated store connected to the group member terminal through the communication network. 6340) and a payment server 1600 including at least one card company server (or financial company server) that processes payment approval for the online account linked card, wherein the payment server 1600 is performed. Is characterized in that associated with the financial system equipped with a card ledger for the online account linked card.

Here, a detailed description of the card ledger corresponding to the online account linked card and the financial system provided with the card ledger refers to the stolen system drawings including FIG. 13, which is described in detail in FIG. Omit for convenience.

In FIG. 16, a payment server 1600 including at least one card company server (or a financial company server) on the online card payment system through the online account linked card is shown as one server, but this effectively reduces the technical features of the present invention. If only one embodiment for explaining, the various functional components constituting the payment server 1600 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

The online card payment system includes at least one payment request server 1640 connected to a predetermined communication network, and at least one payment server 1600 that processes payment approval for a group member terminal and the online account linked card. It is characterized by.

Here, the payment request server 1640 on the online card payment system is a server provided in the online affiliate store for the online account link card, which is a general term for all servers requesting online payment through the online account link card.

According to an embodiment of the present invention, the payment request server 1640 includes at least one or more Internet shopping mall server, a content providing server, a messenger server, a portal server, a mail server, and the like that request online payment through the online account link card. Or at least one payment gateway (PG) server that connects the payment server 1600 with the Internet shopping mall server, content providing server, messenger server, portal server, mail server, or the like. Do.

Those skilled in the art to which the present invention pertains may infer various payment request servers 1640 for requesting online payment through the online account link card in addition to the payment request server 1640 described above. The present invention is characterized by including all kinds of inferred payment request server 1640.

In addition, the group member terminal on the online card payment system, by connecting to the payment request server 1640 through a predetermined communication network to purchase the tangible / intangible goods (for example, the purchase of goods related to the group), and corresponding A generic term for a terminal device that processes a purchase price through the online account link card, and includes a wired terminal including at least one desktop computer or a laptop connected to a predetermined wired communication network, or a personal communication terminal connected to a predetermined wireless communication network ( Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) ) Or smartphones or telematics or wireless data communication Including the wireless terminal including the end or a portable subscriber terminal over at least one, or various kiosk (KIOSK) device and the IA terminal (e.g., IPTV, and so on) at least one characterized in that formed.

In addition, the payment server 1600 on the online card payment system, characterized in that it comprises at least one or more card company server (or financial company server) for processing the payment approval for the online account linked card, the payment request server Receive predetermined payment request information (for example, payment amount and merchant information and group member terminal information) from the 1640, receive card information on the online account link card from the group member terminal, and then link the online account. Payment approval processing of the payment amount contained in the payment request information through a card.

Further, in the online card payment system, the communication network connecting the group member terminal, the payment request server 1640 and the payment server 1600 may provide at least one online payment protocol such as a secure payment protocol or a secure click protocol. It features.

Those skilled in the art to which the present invention pertains, the technical features of the group member terminal and the technical features of the payment request server 1640 and the technical features of the conventional payment server 1600 and the group member terminal and payment request Since you will be familiar with the technical features of the communication network connecting the server 1640 and payment server 1600, a detailed description thereof will be omitted for convenience.

Referring to FIG. 63, the payment server 1600 may include information (or data) corresponding to the payment request server 1640 and the group member terminal and the online payment protocol through a communication network equipped with at least one online payment protocol. An interface unit 1605 for connecting and managing a communication channel for transmitting / receiving data, and predetermined payment request information (eg, payment) from the payment request server 1640 according to the online payment protocol in connection with the interface unit 1605. An information receiving unit 1610 for receiving an amount of money, affiliated store information and club member terminal information) or card information corresponding to the customer payment means from the group member terminal according to the online payment protocol; When the payment request information is received from 1640, the connection is established according to the online payment protocol. An interface providing unit 1615 providing a payment interface for inputting card information corresponding to a customer payment means to the group member terminal through the group member terminal information included in the request information, and linked with the interface unit 1605. Transmit predetermined payment result information including payment processing details corresponding to the payment request information to the payment request server 1640 according to the online payment protocol, or to the group member terminal according to the online payment protocol. And an information transmitter 1620 for transmitting predetermined payment result information including payment processing details through card information.

According to an embodiment of the present invention, the interface unit 1605 receives the payment request information according to a communication protocol defined with the payment request server 1640 and transmits payment result information corresponding to the payment request information. It is desirable to provide a communication interface for connecting and managing a communication channel.

According to an exemplary embodiment of the present invention, when the group member terminal is provided with a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1605 may be configured to perform the group member based on the TCP / IP protocol. A card that connects a communication channel with a terminal, outputs an online payment window corresponding to the online payment protocol based on the HTPP protocol defined in the browser program, and corresponds to a customer payment means input (or selected) through the online payment window. It is desirable to provide a communication interface for connecting and managing a communication channel for receiving information and transmitting payment result information corresponding to the card information.

When the payment request server 1640 transmits the payment request information to the payment server 1600 according to the online payment protocol, the information transmission unit 1620 is connected to the interface unit 1605 to the online payment protocol. And receiving the payment request information accordingly, and then the interface provider 1615 pays the customer to the group member terminal according to the online payment protocol based on the group member terminal information included in the payment request information. And providing and outputting a payment interface (eg, an online payment window) for inputting (or selecting) card information corresponding to the means.

Thereafter, when the group member terminal inputs (or selects) card information corresponding to the customer payment means through the payment interface and transmits the information, the information receiving unit 1610 connects to the interface unit 1605 to make the online payment. The card information is received according to a protocol.

If the payment server 1600 completes the payment approval process through the payment request information and the card information and generates payment result information including a predetermined payment processing history, the information transmitting unit 1620 is the interface unit ( In operation 1605, the payment result information may be transmitted to the payment request server 1640 and the group member terminal.

Those skilled in the art of the present invention will be familiar with the technical features for transmitting and receiving the payment request information, card information and payment result information according to the online payment protocol, the detailed description thereof is for convenience. Omit.

Referring to FIG. 16, the payment server 1600 receives predetermined payment request information from the payment request server 1640 through the information receiving unit 1610, and also receives the payment request information from the group member terminal. When the card information corresponding to the matching customer payment means is received, the received card information may correspond to card information corresponding to an online account linked card (eg, a group management card) issued through the card issuing system shown in FIG. When the card information corresponding to the information check unit 1625 and the card information corresponding to the customer payment means match the card information corresponding to the online account link card, the card is linked with the online account link card in association with the financial system. And a payment approval processing unit 1630 for approving the payment amount based on the total balance of the online account. The payment processing details corresponding to the payment approval processing may be transmitted to the payment request server 1640 and the group member terminal through the information transmitting unit 1620.

When predetermined payment request information is received from the payment request server 1640 through the information receiving unit 1610 and card information corresponding to the customer payment means matching the payment request information is received from the group member terminal, The information checking unit 1625 checks whether the card information received from the group member terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG. do.

According to an embodiment of the present invention, when the card information corresponding to the online account linked card issued through the card issuing system shown in FIG. 13 includes a identifiable card number system, the information checking unit 1625 is By reading the card number system of the card information received from the group member terminal, the card information received from the group member terminal corresponds to the online account linked card issued through the card issuing system shown in FIG. It is desirable to verify that the information matches.

According to another exemplary embodiment of the present invention, the payment server 1600 (or DB server accessible from the payment server 1600) corresponds to an online account linked card issued through the card issuing system shown in FIG. When card information D / B (not shown) for storing at least one card information is provided, the information checking unit 1625 includes the card information received from the group member terminal and the card stored in the card information D / B. By comparing the information, it is preferable to check whether the card information received from the group member terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG.

According to another exemplary embodiment of the present invention, the information checking unit 1625 is connected to a financial system having a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. It is preferable to check whether the card information received from the fellowship member terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG.

If it is confirmed that the card information corresponding to the customer payment means matches the card information corresponding to the online account link card, the payment approval processing unit 1630 is issued through the card issuing system shown in FIG. The payment amount is approved based on the total balance of the online account associated with the online account linked card in connection with a financial system having a card ledger corresponding to the online account linked card.

According to the implementation method of the present invention, the payment approval processing unit 1630 checks the amount of money registered in a state of expected payment in a plurality of online accounts associated with the online account link card in connection with the financial system, It is desirable to process payment approval through the amount.

The information storage unit 1635 processes the payment approval process details in association with the online account link card information and stores the data in a predetermined storage medium, or processes the payment amount in association with the online account information which has been withdrawn. It characterized in that the storage in the storage medium.

17 is a diagram illustrating an online card payment approval process through an online account link card according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates that after a predetermined amount (eg, club fee) is registered in a state of payment, a plurality of online accounts associated with an online account linked card issued through the card issuing system shown in FIG. In the payment processing using the online account linked card through the online card payment system shown in FIG. 16, the payment for the payment amount corresponding to the online account linked card is based on the expected payment amount deposited in the online account. For the process of approving the present invention, those skilled in the art to which the present invention pertains may refer to or modify this drawing 17 and infer various implementation methods for the process of approving the payment of an online card through the online account link card. Although the present invention may be made, the present invention includes all the methods of inferring the present invention. The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 17, the payment request server 1640 on the online card payment system illustrated in FIG. 16 provides a predetermined payment amount, merchant information, and the like to the payment server 1600 through a communication network equipped with a predetermined online payment protocol. When the payment request information including the group member terminal information is transmitted (1700), the payment server 1600 transmits the group member terminal according to the online payment protocol based on the group member terminal information included in the payment request information. In operation 1705, a predetermined payment interface is provided and output.

Subsequently, the group member terminal inputs (or selects) card information corresponding to the customer payment means through the payment interface (1710), and the card information corresponding to the customer payment means according to the online payment protocol. And transmits to server 1600 (1715).

In the technical field to which the present invention pertains, the payment server 1600 receives the payment request information from the payment request server 1640 in response to the online payment protocol, and from the group member terminal. Since you will be familiar with the process of receiving the card information corresponding to the customer payment means, a detailed description thereof will be omitted for convenience.

Thereafter, the payment server 1600 checks whether the received card information matches the card information of the online account linked card issued through the card issuing system shown in FIG. 13 (1720).

According to an embodiment of the present invention, when the card information corresponding to the online account linked card issued through the card issuing system shown in FIG. 13 includes a identifiable card number system, the payment server 1600 may be configured as described above. By reading the card number system of the card information received from the group member terminal, the card information received from the group member terminal corresponds to the online account linked card issued through the card issuing system shown in FIG. It is desirable to verify that the match with.

According to another exemplary embodiment of the present invention, the payment server 1600 (or DB server accessible from the payment server 1600) corresponds to an online account linked card issued through the card issuing system shown in FIG. When the card information D / B (not shown) for storing at least one card information is provided, the payment server 1600 is the card information received from the group member terminal and the card information stored in the card information D / B It is preferable to check whether the card information received from the group member terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG.

According to another exemplary embodiment of the present invention, the payment server 1600 is connected to the financial system having a card ledger corresponding to the online account linked card issued through the card issuing system shown in FIG. It is preferable to check whether the card information received from the member terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG.

If the received card information does not match the card information of the online account linked card issued through the card issuing system shown in FIG. 13 (1725), the payment server 1600 approves the conventional online card payment. The payment approval is processed according to the procedure (1730).

On the other hand, if it is confirmed that the received card information matches the card information of the online account linked card issued through the card issuing system shown in FIG. 13 (1725), the payment server 1600 is the financial system. In operation 1740, the total balance of the online account associated with the online account link card is checked (check the registered amount of payment schedule), and the payment approval process for the payment amount (1740).

If payment approval for the online account link card is not confirmed (1745), the payment server 1600 generates a predetermined payment processing history including payment error information for the online account link card (1750), The payment result information including the payment processing details is transmitted to the group member terminal and the payment request server 1640 (1760).

On the other hand, if the payment approval for the online account linked card is confirmed (1745), the payment server 1600 generates a predetermined payment processing history including payment approval information for the online account linked card (1755), The payment result information including the payment processing details is transmitted to the group member terminal and the payment request server 1640 (1760).

18 is a diagram showing the configuration of an offline card payment system through an online account linked card according to another embodiment of the present invention.

In more detail, Figure 18 is a predetermined amount (e.g., fellowship fee, etc.) is scheduled to be paid to a plurality of online accounts associated with the online account linked card issued through the card issuing system shown in Figure 13, An off-line card payment system through an online account link card that approves payment for a payment amount corresponding to the online account link card based on an amount registered to be paid in an online account. Those skilled in the art will be able to infer various implementation methods for the offline card payment system configuration using the online account linked card by referring to or modifying the drawing 18, but the present invention includes all the implementation methods inferred. The technical features are limited only to the implementation method illustrated in FIG. 18. Not.

Referring to FIG. 18, the offline card payment system through the online account link card includes at least one payment terminal provided in a predetermined offline affiliated store and a card company server (or a financial company server) that processes payment approval for the online account link card. And a communication network (eg, a Value Added Network (VAN)) connecting the payment server 1800 and the payment terminal and the payment server 1800 to be included. The payment server 1800 Is characterized in that associated with the financial system equipped with a card ledger for the online account linked card.

Here, a detailed description of the card ledger corresponding to the online account linked card and the financial system provided with the card ledger refers to the stolen system drawings including FIG. 13, which is described in detail in FIG. Omit for convenience.

In FIG. 18, the payment server 1800 including at least one card company server (or financial company server) on the offline card payment system through the online account linked card is shown as one server. If only one embodiment for explaining, the various functional components constituting the payment server 1800 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

The offline card payment system includes a payment terminal provided in a predetermined offline affiliated store, a payment server 1800 for processing payment approval for the online account linked card, and a communication network connecting the payment terminal and the payment server 1800. , Value Added Network (VAN), financial common network, etc.).

Here, the payment terminal on the offline card payment system, characterized in that it comprises at least one or more points of sales (POS) terminal having a CAT (Credit Authorization Terminal), and / or a payment function, at least one or more cards After reading predetermined card information from the online account link card through a reader, inputting a payment amount through a predetermined key input device, and completing a payment approval request message including the card information, the payment amount, and the affiliated store information. It generates and transmits to the payment server 1800 through the communication network.

In addition, the payment server 1800 on the offline card payment system, characterized in that it comprises at least one or more card company server (or financial company server) for processing the payment approval for the online account linked card, from the payment terminal After receiving the payment approval request text including the card information, the payment amount and the merchant information, characterized in that the payment authorization processing of the payment amount contained in the payment approval request message through the online account linked card.

In addition, the communication network connecting the payment terminal and the payment server 1800 in the offline card payment system relays at least one or more payment related messages between the payment terminal and the payment server 1800 based on at least one backbone network. It characterized in that it comprises at least one bansa server (not shown) and a wired or wireless communication network.

Those skilled in the art to which the present invention pertains, the technical features of the payment terminal and the technical features of the conventional payment server 1800 and the technical features of the communication network connecting the payment terminal and the payment server 1800 Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 18, the payment server 1800 connects at least one payment terminal and a communication channel for transmitting and receiving payment-related specialized messages through a communication network including at least one value-added communication network (VAN) and / or a financial common network. And a professional receiving unit 1810 for receiving a card information, payment amount, and merchant information payment approval request message from the payment terminal in association with the interface unit 1805 and the interface unit 1805, and the interface unit 1805. It is characterized in that it comprises a specialized transmission unit 1820 for transmitting the payment approval result full text corresponding to the payment approval request full text to the payment terminal.

When the payment terminal reads the card information corresponding to the customer payment means through a predetermined card reader, generates a full payment approval request message including the card information, the payment amount and the merchant information, and transmits it through the communication network, The specialized receiving unit 1810 may receive the full payment approval request message in association with the interface unit 1805.

If the payment server 1800 completes a payment approval procedure corresponding to the full payment approval request message and generates a payment approval result message including a predetermined payment processing history, the full text message transmission unit 1820 may include the interface unit ( In operation 1805, the payment approval result information may be transmitted to the payment terminal.

Those skilled in the art to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network and / or financial common network. Detailed description is omitted for convenience.

Referring to FIG. 18, when the payment server 1800 receives the full payment approval request message including the card information, the payment amount, and the merchant information corresponding to the customer payment means, from the payment terminal through the information receiving unit, An information checking unit 1815 for checking whether the card information included in the received payment approval request message is matched with card information corresponding to an online account linked card issued through the card issuing system shown in FIG. If the card information corresponding to the payment means matches the card information corresponding to the online account link card, the payment amount is approved based on the total balance of the online account linked to the online account link card in association with the financial system. It is characterized by comprising a payment approval processing unit 1825 for processing, corresponding to the payment approval processing Specialize in the payment approval results, including billing processing history is being transmitted to the payment terminal through the specialized transmitting unit 1820.

When the payment approval request message including the card information, the payment amount, and the merchant information corresponding to the customer payment means is received from the payment terminal through the information receiving unit, the information verification unit 1815 may receive the received payment approval request message. Extracting card information corresponding to the customer payment means from the card, and checking whether the extracted card information matches card information corresponding to an online account linked card issued through the card issuing system shown in FIG. It is done.

According to an exemplary embodiment of the present invention, when the card information corresponding to the online account linked card issued through the card issuing system shown in FIG. 13 includes a identifiable card number system, the information checking unit 1815 Reads the card number system of the card information included in the full payment approval request received from the payment terminal, whereby the card information received from the payment terminal is issued through the card issuing system shown in FIG. It is preferable to check whether the card information corresponds to the associated card.

According to another embodiment of the present invention, the payment server 1800 (or DB server accessible from the payment server 1800) corresponding to the online account linked card issued through the card issuing system shown in FIG. When the card information D / B (not shown) for storing at least one card information is provided, the information checking unit 1815 includes the card information and the card information included in the full payment approval request received from the payment terminal. By comparing the card information stored in the D / B, it is preferable to check whether the card information received from the payment terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG. Do.

According to another exemplary embodiment of the present invention, the information checking unit 1815 is connected to a financial system having a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. It is preferable to check whether the received card information included in the full payment approval request from the payment terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG.

If it is confirmed that the card information corresponding to the customer payment means matches the card information corresponding to the online account linked card, the payment approval processing unit 1825 is issued through the card issuing system shown in FIG. The payment amount is approved based on the total balance of the online account associated with the online account linked card in connection with a financial system having a card ledger corresponding to the online account linked card.

The information storage unit 1830 may process the payment approval details in association with the online account link card information and store the data in a predetermined storage medium, or process the payment amount with the online account information with which the payment amount is withdrawn. It characterized in that the storage in the storage medium.

19 is a diagram illustrating an offline card payment approval process through an online account link card according to another embodiment of the present invention.

In more detail, in FIG. 19, a predetermined amount (for example, a club fee) is registered in a plurality of online accounts associated with an online account linked card issued through the card issuing system shown in FIG. In the technical field to which the present invention pertains to an offline card payment process through an online account linked card that approves payment of a payment amount corresponding to the online account linked card based on the amount of money registered in the online account. Those skilled in the art will be able to infer various implementation methods for the offline card payment system process using the online account linked card by referring to or modifying the present invention 19, but the present invention is directed to all the inferred implementation methods. It is made, including, the technical features are not limited only to the implementation method shown in FIG. No.

Referring to FIG. 19, the payment terminal 1800 generates a full payment approval request message including a card information corresponding to the customer payment means, a payment amount, and merchant information in a payment terminal on the offline card payment system shown in FIG. ), The payment server 1800 receives the full payment approval request message, extracts the card information from the received full payment approval request message, and then through the card issuing system shown in FIG. It is checked whether the card information of the issued online account linked card is matched (1905).

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features and professional transmission and reception procedures of the payment terminal for transmitting the full payment approval request, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the card information corresponding to the online account linked card issued through the card issuing system shown in FIG. 13 includes a identifiable card number system, the payment server 1800 is the By reading the card number system of the card information included in the full payment approval request received from the payment terminal, the card information received from the payment terminal is an online account linked card issued through the card issuing system shown in FIG. It is preferable to check whether the card information matches the card information.

According to another embodiment of the present invention, the payment server 1800 (or DB server accessible from the payment server 1800) corresponding to the online account linked card issued through the card issuing system shown in FIG. When the card information D / B (not shown) for storing at least one card information is provided, the payment server 1800 may include the card information and the card information D included in the full payment approval request received from the payment terminal. By comparing the card information stored in / B, it is preferable to check whether the card information received from the payment terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG. .

According to another exemplary embodiment of the present invention, the payment server 1800 is linked with a financial system having a card ledger corresponding to an online account linked card issued through the card issuing system shown in FIG. It is preferable to check whether the received card information included in the full payment approval request message from the terminal matches the card information corresponding to the online account linked card issued through the card issuing system shown in FIG.

If the received card information is not matched with the card information of the online account linked card issued through the card issuing system shown in Figure 13 (1910), the payment server 1800 is approved for the conventional online card payment The payment authorization is processed according to the procedure (1915).

On the other hand, if it is confirmed that the received card information matches the card information of the online account linked card issued through the card issuing system shown in FIG. 13 (1910), the payment server 1800 is the financial system. Check the total balance of the online account associated with the online account link card (or check the registered balance of the account to be paid) (1920), and compare the total balance with the payment amount for the payment amount; Payment approval processing (1925).

If payment approval for the online account link card is not confirmed (1930), the payment server 1800 generates a predetermined payment processing history including payment error information for the online account link card (1935), The payment result information including the payment processing details is transmitted to the payment terminal (1945).

On the other hand, if the payment approval for the online account linked card is confirmed (1930), the payment server 1800 generates a predetermined payment processing history including payment approval information for the online account linked card (1940). The payment result information including the payment processing history is transmitted to the payment terminal (1945).

By providing the club account management system according to the present invention, there is an advantage that can increase the convenience of club money management.

In addition, there is an advantage that can be generated by increasing the opening of new accounts and operating fees of the fellowship members.

Claims (1)

Information registration means for linking and processing the fellowship information and the fellowship management account information in a predetermined storage medium; An account opening means for opening an online account with the club member as a parent account for the club operating cost operation to the club members; An online account operating means for registering a club fee deposited in the opened online account in a state in which payment is to be made; And When paying for goods at an on-line or off-line merchant using a club fee operating card linked to the club operating account, the payment for the goods is collected by collecting the balance due to be registered in at least one online account associated with the club fee operating account. Group account management system comprising a; payment approval processing means.

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