KR20090036160A

KR20090036160A - System and method for operating multi-application card linked online account with saved value and recording medium

Info

Publication number: KR20090036160A
Application number: KR1020070101166A
Authority: KR
Inventors: 조현태
Original assignee: 주식회사 신한은행
Priority date: 2007-10-09
Filing date: 2007-10-09
Publication date: 2009-04-14

Abstract

The present invention relates to a value management method and system stored in the online account linkage multifunction card and a recording medium therefor. The value management method stored in the online account linkage multifunction card according to the present invention is linked to the online account in a value checking means. Periodically checking the N (N> 1) card usage history corresponding to the N (N> 1) cards included in the card to check the value accumulated in the N (N> 1) cards; and Checking, by the means for verifying n (n <= N, n> = 1) value distribution target card information exceeding a predetermined size among the identified N (N> 1) values, and confirming a distribution target amount Means for cashing and summing the n (n <= N, n> = 1) values corresponding to the value allocation target card information to the amount to be distributed and the N (N> 1) numbers in the distribution amount calculating means. Subject to the value distribution according to the distribution ratio information N of dispensing the liquid (N> 1) and a step of calculating a distribution value of the amount information.

Description

System and Method for Operating Multi-Application Card Linked Online Account with Saved Value and Recording Medium}

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

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

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

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

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

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

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

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

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

10 is a diagram illustrating an online account interworking multifunction card issuing system according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a ledger information configuration including a storage medium according to an embodiment of the present invention.

12 is a diagram illustrating the structure of ledger information including a storage medium according to another embodiment of the present invention.

FIG. 13 illustrates a structure of ledger information including a storage medium according to another embodiment of the present invention. FIG.

14 is a diagram illustrating an online account interworking multi-function card issuing process according to an embodiment of the present invention.

15 is a diagram illustrating an online account interworking multi-function card issuing process according to another embodiment of the present invention.

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

17 is a diagram illustrating an online account linkage multifunction card management process according to an embodiment of the present invention.

18 is a diagram illustrating an online account linkage multifunction card management process according to another embodiment of the present invention.

1000: card issuing server 1005: interface unit

1010: interface providing unit 1015: information receiving unit

1020: validity authentication unit 1025: information generation unit

1030: card issuing unit 1035: information storage unit

1040: card issuing device 1045: storage medium

1050: card issuing terminal

The present invention periodically checks the N (N> 1) card usage history corresponding to the N (N> 1) cards included in the online account link card in the value checking means, so that the N (N> 1) cards are used. Confirming the value accumulated in the credit card, and in the information checking means, out of the value of N (N> 1) identified, n (n <= N, n> = 1) cards that exceed a predetermined size. Confirming the information, and confirming the amount to be distributed by cashing and summing n (n <= N, n> = 1) values corresponding to the value card to be distributed in the amount to be distributed. N (N> 1) values for allocating the value to be distributed according to the N (N> 1) distribution ratio information in the calculation means

It relates to a value management method accumulated in the online account linked multi-function card comprising the step of calculating the distribution amount information.

An object of the present invention for solving the above problems, by periodically checking the N (N> 1) card usage history corresponding to the N (N> 1) card provided in the online account linked card to the N (N Value checking means for checking the value accumulated in the> 1) card, and n (n <= N, n> = 1) values exceeding a predetermined size among the identified N (N> 1) values Information confirmation means for confirming the distribution target card information, and distribution target amount confirmation means for cashing and summing n (n <= N, n> = 1) values corresponding to the value distribution target card information to confirm the amount to be distributed. And a distribution amount calculating means for calculating N (N> 1) value distribution amount information for allocating the value distribution value according to the N (N> 1) distribution ratio information. To provide a value management system.

The value management method accumulated in the online account linked multifunctional card having N (N> 1) cards for allocating the online account balance (or deposit) according to the N (N> 1) distribution ratio according to the present invention is a value. Values accumulated in the N (N> 1) cards by periodically checking the usage history of the N (N> 1) cards corresponding to the N (N> 1) cards included in the online account link card. And checking, by the information checking means, n (n <= N, n> = 1) value distribution target card information exceeding a predetermined size among the identified N (N> 1) values. And cashing and summing n (n <= N, n> = 1) values corresponding to the value distribution target card information in the distribution target amount checking means and confirming them as the distribution target amount; and in the distribution amount calculating means. N (N> 1) for allocating the value to be distributed according to N (N> 1) distribution ratio information Comprising a step of calculating the value distribution amount information of the.

On the other hand, it includes a recording medium that records a program for executing the value management method accumulated in the above-mentioned online account linked multi-function card.

On the other hand, the value management system accumulated in the online account linked multi-function card having N (N> 1) cards for allocating the online account balance (or deposit) according to the N (N> 1) distribution ratio In addition, by periodically checking the N (N> 1) card usage history corresponding to the N (N> 1) cards provided in the online account link card to the value accumulated in the N (N> 1) card Value checking means for checking and information checking means for checking the value (n <= N, n> = 1) of the value distribution target card information exceeding a predetermined size among the identified value of N (N> 1) And a distribution target amount confirming means for cashing and summing n (n <= N, n> = 1) values corresponding to the value distribution target card information to confirm the distribution target amount, and the N (N> 1) distributions. Distribution amount for calculating N (N> 1) value distribution amount information for allocating the amount to be distributed according to ratio information It is characterized by comprising a calculation means.

On the other hand, the value management system accumulated in the online account linked multi-function card having N (N> 1) cards for allocating the online account balance (or deposit) according to the N (N> 1) distribution ratio Periodically checking the N (N> 1) card usage history corresponding to the N (N> 1) cards included in the online account link card to check the value accumulated in the N (N> 1) cards Value checking means for verifying, and information checking means for confirming n (n <= N, n> = 1) value distribution target card information exceeding a predetermined size among the identified N (N> 1) values; Distribution target amount checking means for cashing and summing n (n <= N, n> = 1) values corresponding to the value allocation target card information and confirming the amount to be distributed; and excess n included in the value allocation target N (N> 1) items for allocating the value to be distributed according to (n <= N, n> = 1) distribution ratio information And a distribution amount calculating means for calculating value distribution amount information.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. 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.

In more detail, FIG. 1 shows that when a customer terminal 175 provides online account application information to register an online account with a web server 100 through a communication network, the customer terminal in the web server 100. A system configuration for providing online account application information provided from 175 to an online account management server 135 provided in a financial institution to open and manage an online account corresponding to the online account application information. It is a diagram showing an implementation method for allowing an online account to be opened in the form of a virtual account having a real account operated by a web server 100 operating institution (or a financial institution).

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 to form a virtual account whose parent account is the real account operated by the web server 100 operating institution (or financial institution). Although it is possible to infer an implementation method for the system for registering the various types of online accounts in addition to the online account of the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

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

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account having a real account operated by a management institution (or a financial institution) of the web server 100 is Access to the web server 100 (e.g., portal server, etc.) via a communication network, and verify the real name (e.g., financial real name under the Act on Real-name Financial Transactions and Confidentiality Act and Concurrent Enforcement Decree (Presidential Decree No. 15744)). A client terminal 175 for requesting the online account registration (or opening) and providing the online account application information corresponding to the online account registration (or opening) to the web server 100 without confirmation); An online account management server 13 connected to a communication network 175 to receive online account application information from the customer terminal 175 and to provide the received online account application information to a financial institution. 5) provided with a web server 100, the web server 100 and the financial network connected to receive the online account application information from the web server 100, based on the received online account application information And an online account management server 135 for processing and opening an online account corresponding to the online account application information in the customer's name with a new provision, and a financial system for operating the online account processed with the new provision.

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 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, telebanking, TV banking, etc.) to access the financial system, or at least And an external system that provides various financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. At least one interface module corresponding to a middleware platform, and storing and managing information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising one or more databases, the financial transactions through the financial system is the financial account law and co-decrees on real-name financial transactions and secrecy (Presidential Decree 15744) It is valid when it corresponds to real name financial account corresponding to Is processed.

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

According to an exemplary embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal (not shown) and a financial network (for example, a branch network) provided at a branch (or a branch) of the financial institution. It is characterized in that connected through, through the counter terminal (not shown) provides a financial transaction service of the face-to-face manner for at least one financial transaction customer.

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 at an institution (or other financial institution branch), or at least one financial terminal provided at a public place and connected through a financial network (for example, a CD common network). Provides a non-face-to-face financial transaction service to at least one financial transaction customer through the terminal.

In addition, the financial system is characterized in that associated with the Internet banking server (not shown), the network connected to the TCP / IP-based backbone network (eg, wired Internet, or IEEE 802.11x) through the Internet banking server (not shown) At least one client terminal (eg, a personal computer (PC) equipped with the wired Internet access and browsing function, or a laptop, connected to a wireless LAN, or an IEEE 802.16x-based portable Internet) A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop or mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a wireless banking server (not shown), a wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE) through the wireless banking server (not shown) At least one wireless terminal (e.g., a personal communication system (PCS) equipped with a connection and browsing function for the mobile communication network) or a GSM (Global System) connected to an 802.16x-based portable Internet or a wireless data communication network based on DataTAC / Mobitex. for a mobile terminal, or a PDA (Personal Digital Assistant), a smart phone (Smart Phone), or telematics (Telematics, etc.) to provide at least one financial transaction service to the at least one financial transaction customer.

In addition, the financial system is characterized in that it is linked to an IC chip-based wireless banking server (not shown), and based on a wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server (not shown) At least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communications network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that it is associated with a telebanking server (not shown), and through the telebanking server (not shown) to a wired voice call network (eg, Public Switched Telephone Network (PSTN)) At least one wireless communication terminal (e.g., a PCS or GSM terminal) connected to at least one wired telephone terminal (e.g., a telephone) or a wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)); Or provide a non-face-to-face financial transaction services to at least one or more financial transaction customers (such as a smartphone).

In addition, the financial system is characterized in that associated with a home banking server (not shown), at least one or more home appliances (eg, digital TV connected to a home network) connected to a home network through the home banking server (not shown), Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

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

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

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

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a CDMA (Code Division Multiple Access) 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 A generic term for all terminal devices connected to a Mobitex-type wireless data communication network, and includes a personal communication system (PCS), a global system for mobile communications (GSM) terminal, or a personal digital cellular terminal connected to the CDMA-based mobile communication network. Personal Digital Cellular (PDC), or Personal Handyphone System (PHS) terminal, or Personal Digital Assistant (PDA), or Smart Phone, or Telematics, or the IEEE 802.16x based portable Internet A mobile Internet terminal connected to the wireless internet terminal or a wireless internet terminal connected to the DataTAC / Mobitex-based wireless data communication network. It comprises a data communication terminal, such as at least one is preferable.

The web server 100 is a customer terminal 175 including at least one of the wired terminal or the wireless terminal through the wired communication network or a wireless communication network, and a search service or at least one mini homepage. It is preferable to include a personalization service including a blog, a mail service, a messenger service, a portal server that provides various information providing services, or a search server.

According to the present invention, the web server 100 includes an online account request interface including at least one user interface for the customer to apply for the online account through the wired communication network or a communication network including a wireless communication network. Characterized by providing to the terminal 175, the customer terminal 175 inputs (or selects) the online account application information via the online account application interface to provide a communication network including the wired network, or a wireless communication network It characterized in that the transmission to the web server 100 through.

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

Those skilled in the art to which the present invention pertains output an online account application interface provided from the web server 100 as described above, and input at least one online account application information through the online account application interface. Or, since it is possible to easily infer the characteristics of the customer terminal 175 corresponding to at least one or more wired terminal, or wireless terminal to select and transmit to the web server 100, a detailed description thereof will be omitted for convenience. .

According to an embodiment of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a communication channel with the customer terminal 175 through the communication network.

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

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

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

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

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the customer terminal 175, the interface unit 105 is based on the CDMA protocol. 175) and a communication channel, and a web page (eg, a WML (Wireless Markup Language) compatible web page or an HTML compatible web page) or communication for transmitting and receiving information using a WAP / ME protocol defined in the browser program. Provide an interface.

Referring to FIG. 1, the web server 100 is connected to the interface unit 105 when the customer terminal 175 accesses the web server 100 through the interface unit 105 or applies for an online account. To generate (or select) and send the online account request information from the client terminal 175 to generate an online account request interface including at least one user interface (or extract from a web source D / B (not shown)). Interface to provide to the customer terminal 175 and the online to input (or select) via the online account application interface in the customer terminal 175 in conjunction with the interface unit 105 Information receiving unit 120 for receiving the account application information and the information to provide the received online account application information to the online account management server 135 provided in a financial institution through a financial network It is characterized by comprising a relay unit (130).

In addition, the web server 100 is linked to the interface unit 105, at least one or more customer terminals 175, a search service including at least one or more information / content, or a personalized service including a mini homepage / blog, Or a web service unit 115 that provides a web-based service including at least one of a mail service, a messenger service, or various information providing services, and is commonly known in the art. If the person having a, the web server 100 will be familiar with how to provide the web-based service to at least one customer terminal 175 to perform the function of the portal server, or search server, for this Detailed description is omitted for convenience.

In addition, the web server 100 is applied for the online account received from the customer terminal 175 through the information receiving unit 120 for the post-management of the online account application information received through the information receiving unit 120. Information storage for storing online account issuance information, including information or at least one or more online account information generated by the online account management server 135 based on the online account application information, in the storage medium 170. It is characterized in that it further comprises a section 125, wherein the online account issuance information is the online account security information received from the customer terminal 175, the new provision processing agreement information (or new provision application information), the virtual account At least one or more processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable.

The interface providing unit 110 corresponds to a functional configuration provided in the customer terminal 175 when the customer terminal 175 accesses the web server 100 through the interface unit 105 or applies for an online account. Input (or select) the online account application information to generate an online account application interface that can be transmitted to the web server 100 through the communication network, or extract from the database (not shown), and the interface unit 105 ) Provides an online account application interface generated (or extracted from a web source D / B (not shown)) to the customer terminal 175 through the communication network.

Thereafter, the customer terminal 175 inputs (or selects) the online account application information based on the online account application interface, and transmits the input (or selected) online account application information through the web network to the web server ( 100).

According to an exemplary embodiment of the present invention, when the customer terminal 175 includes a wired terminal connected to a wired communication network, the interface providing unit 110 may be provided as a browser program or a communication program provided in the wired terminal. Create an online account application interface (or extract from the web source D / B (not shown)), and apply for the online account generated through the interface unit 105 (or extracted from the web source D / B (not shown)) It is preferable to provide an interface to the customer terminal 175.

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a wireless communication network, the interface providing unit 110 is provided as a browser program or a communication program provided in the wireless terminal. An online account generated (or extracted from a web source D / B (not shown)) possible online account application interface, and generated (or extracted from a web source D / B (not shown)) through the interface unit 105. It is preferable to provide an application interface to the customer terminal (175).

According to an embodiment of the present invention, the online account application interface may include an interface for selecting at least one or more online accounts to which the customer applies (or purchases) from at least one or more online accounts.

The online account application interface preferably includes an interface for confirming that the customer has confirmed detailed information about the online account.

In addition, the online account application interface, preferably outputs the terms and conditions information corresponding to the online account to the customer terminal 175, the customer includes an interface to agree to the terms.

The online account application interface may include an interface for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the online account, and a financial account for depositing (or transferring) the amount to the online account. It is preferable to include an interface for inputting information (for example, original account information for depositing an amount into an online account).

In addition, the online account application interface may input (or select) customer personal information (for example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) for the customer applying for the online account, Or an interface for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 100.

Thereafter, the customer terminal 175 corresponds to online account selection information for selecting at least one online account to which the customer applies (or purchases) of the plurality of online accounts through the online account application interface, and the online account selection information. Enter (or select) online account application information including at least one agreement information, the online account deposit amount information, and at least one customer information of the online account application customer, and the web server 100 through the communication network. To send.

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

In addition, the online account security information further includes a 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. 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 customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the communication network, or the online account application information further includes the online account security information in the web through the communication network. Send to server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted in an encrypted manner and transmitted to the web server 100.

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

If the provisional provisional terms information and provisional processing period information is included in the provisional information corresponding to the online account, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 175, and The interface for confirming the agreement may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 175 is provided, the customer terminal 175 receives the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the communication network, or The online account application information further includes the provisional processing agreement information (or provisional application information) to be transmitted to the web server 100 through the communication network.

According to the implementation method of the present invention, the online account application interface, a virtual account using a real account that operates the online account corresponding to the online account application information in the web server 100 management institution (or financial institution) as a parent account Virtual account processing including the mother account management institution information including at least one or more of the web server 100 operating institution (or financial institution) to register in the form, and the mother account information corresponding to the real account operated in the mother account operating institution It is preferable to further comprise an interface for inputting (or selecting) information.

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

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account application customer has no history of financial transactions with the financial institution), the online account application interface is configured to process the first financial transaction with the financial institution by the customer terminal 175. It is preferable to further include an interface for outputting the financial transaction application terms and conditions, and confirming that the customer has agreed to the financial transaction application terms, the interface is omitted if the customer is a financial transaction customer of the financial institution Or the interface according to the intention of the skilled person It stated that the non-face-to-face but may be included in the financial transactions agreed information (or a non-face-to-face financial transaction request information).

If the financial transaction application terms are included in the terms and conditions information corresponding to the online account, or if the financial transaction application is processed in the real name verification process for the online account, the customer applies for the financial transaction to the financial institution. The interface can be omitted, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the interface, and then, The financial transaction application information input (or selected) is transmitted to the web server 100 through the communication network, or the financial account application information (not shown) is further included in the online account application information. In FIG. 1, the financial transaction application information is illustrated as being included in non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below for convenience.

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (175) Non-face-to-face financial transaction terms and conditions for processing transactions (e.g. signing up for Internet banking) Non-face-to-face financial transaction agreement information, or the like, and the customer agrees to the non-face-to-face financial terms and conditions information, or the like. It is preferable that the customer further comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the online account, or the non-face-to-face financial transaction application is processed in the real name verification process for the online account, or for financial transactions using the online account If non-face-to-face financial transaction authentication is omitted, the customer agrees to (or applies for) a face-to-face financial transaction to process at least one non-face-to-face financial transaction with the financial institution through at least one or more face-to-face financial transaction channels. The interface can be omitted, whereby the present invention is not limited.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 175, the customer terminal 175 may provide the non-face-to-face finance through the interface. After entering (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the entered (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted through the web. Or to the web server 100 through the communication network further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information.

When the customer terminal 175 inputs (or selects) online account application information through the online account application interface and transmits the information through the communication network, the information receiver 120 interworks with the interface unit 105 to provide the online information. Characterized in that it receives the account application information, and provides the received online account application information to the information relay unit 130, or information storage unit 125.

The online account application information may include online account selection information for selecting at least one online account to which the customer applies (or purchases) among the plurality of online accounts, agreement information corresponding to the online account, and At least one online account deposit amount information is preferably included.

In addition, the customer terminal 175 inputs (or selects) online account security information through the online account application interface and transmits the information through the communication network, or the online terminal security information is transmitted from the customer terminal 175 to the online. When the transmission is included in the account request information, the information receiver 120 receives the online account security information in conjunction with the interface unit 105, and the received information on the online account security information relay 130, or to the information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) provisional processing consent information (or provisional application information) through the online account application interface and transmits the data through the communication network, or at the customer terminal 175. If the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or trailing information). Rule application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 or the information storage unit 125.

In addition, the client terminal 175 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the online account application interface, and transmits the information through the communication network, or the client terminal ( In step 175, when the virtual account processing information is transmitted to the online account application information, the information receiving unit 120 interoperates with the interface unit 105 and includes the mother account management institution information and the mother account information. And receiving the information, and providing the received virtual account processing information to the information relay unit 130 or the information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) financial transaction application information through the online account application interface and transmits the information through the communication network, or the customer terminal 175 transmits the financial transaction application information to the online. When the information is included in the account application information and transmitted, the information receiving unit 120 may receive the financial transaction application information in association with the interface unit 105, and the received information on the financial transaction application information relay unit 130, or to the information storage unit 125.

In addition, the customer terminal 175 inputs (or selects) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the online account application interface, and transmits the information through the communication network, or the customer terminal ( If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted to the online account application information in step 175, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 130 or the information. It is provided to the storage unit (125).

The information storage unit 125 includes the online account application information received through the information receiving unit 120 in the online account issuing information, and stores the information in the storage medium 170. 100 (or the web server 100 operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 170.

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

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 120, the information storage unit 125 adds the provisional processing agreement information (or provisional provision application) to the online account application information. And storing the online account issuing information linked to the information) in the storage medium 170, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 100 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 170, the virtual account processing information is the financial real name of the online account in the web server 100 (or a financial transaction server using the online account) It provides a basis for processing at least one or more financial transactions using the online account based on the virtual account that is the parent account operated by the web server 100 management institution (or financial institution) until confirmation.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 170, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is stored on the web. The server 100 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 125 is opened by the online account management server 135 when the online account corresponding to the online account application information is opened, the web server 100 (or the online The online account information opened by the online account management server 135 to process at least one or more financial transactions using the online account in the online transaction issuing information. It is preferable to replace the online account application information stored in the 170 or included in the online account issuance information with the online account information opened by the online account management server 135, and thus, the present invention is not limited thereto. No.

Here, the online account information may be stored in the online account number in the form of a virtual account number generated by the provisional opening unit 160 and the virtual account processing unit 155 of the online account management server 135 and the online account application information. It is preferable that the account information including the deposit note corresponding to the included customer information, the web server 100 operating institution information and the financial institution opened the online account.

The information relay unit 130 finances the online account application information received through the information receiving unit 120 to the online account (for example, an online account corresponding to the online account is opened) through a financial network. It is characterized in that the relay transmission to the online account management server 135 provided in the institution.

Here, the financial network connecting the web server 100 and the online account management server 135 may be a dedicated communication network that blocks access by a third party other than the web server 100 and the online account management server 135, or Secure communication network that provides a secure communication function between the web server 100 and the online account management server 135 (eg, the web server 100 encrypts the online account application information in an encrypted manner to the online account management server 135). And a communication network for decrypting the online account application information through a decryption method corresponding to the encryption method in the online account management server 135).

When the online account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 135 provided in the financial institution that the online account is opened, whereby the online account management server 135 is connected to the financial system provided in the financial institution to the web server ( In step 100), an online account for processing a financial transaction is established through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 transmits the provisional processing agreement information (or provisional application information) to the financial network. It is characterized in that the transmission through the online account management server 135 provided in the financial institution corresponding to the online account (for example, the online account corresponding to the online account is opened), thereby transmitting an online account management server ( 135 establishes a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiver 120, the information relay unit 130 corresponds to the online account through the financial network (eg, corresponding to the online account). It is characterized in that the transmission to the online account management server 135 provided in the financial institution (in which the online account is opened), whereby the online account management server 135 is a conventional customer of the financial institution Although not, the online system corresponding to the online account application information is opened in a financial system provided in the financial institution in a form in which at least one financial transaction is possible.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account through the financial network to the virtual account processing information. It is characterized in that the relay transmission to the online account management server 135 provided in a financial institution (for example, an online account corresponding to the online account is opened), whereby the online account management server 135 is the financial institution An online account corresponding to the online account application information is opened in the financial system provided in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) is relayed to the online account management server 135 provided in a financial institution corresponding to the online account (for example, an online account corresponding to the online account is opened) through a financial network. By doing so, the online account management server 135 opens an online account in the financial system provided in the financial institution, in which the web server 100 processes the financial transaction using the online account in a non-face-to-face manner.

According to another exemplary embodiment of the present invention, when the online account management server 135 is equipped with a web server 100 function or the online account management server 135 is a banking server, the information relay unit 130 is provided. By linking and relaying the customer terminal 175 and the online account management server 135, the online account application server (175) from the customer terminal 175 in the online account management server 135 (or a new provision processing agreement) Online account for receiving information (or new 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) It is possible to relay to provide an application interface directly, whereby the online account management server 135 is connected from the customer terminal 175 via a communication network. Account application information (or provisional processing consent 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 consent information (or non-face-to-face financial transactions) It is possible to directly receive the application information)), whereby the present invention is not limited.

According to another embodiment of the present invention, at least one web server 100 and the online account management server 135 may be relayed between the web server 100 and the online account management server 135, or A relay server (not shown) relays a web server 100 and at least one online account management server 135 or relays at least one web server 100 and at least one online account management server 135. It is possible to be further provided, whereby the present invention is not limited.

Referring to Figure 1, the online account management server 135 is the online account application information provided from the web server 100 through the financial network (or new provision processing agreement information (or new provision application information), or online) An information receiver 165 for receiving 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); and the information in connection with a financial system. The provisional opening section 160 which opens an online account corresponding to the online account application information received through the reception section 165 as a new provision, and the online account established as the provisional provision by the web server 100 operating institution ( Or a virtual account processing unit 155 for processing a real account operated by a financial institution in the form of a virtual account, and the online account of the virtual account type. Real name verification to manage before the real name verification for the real name 150 and the real name confirmation to confirm that the real name of the customer of the financial transaction application for the online account opened as a new name corresponding to the online account application information is confirmed within the real name verification period When the real name of the online account opened as a new provision is confirmed in response to the online account application information, the new account processing unit 140 processes the new online account as a new financial account. It characterized by comprising a.

The information receiving unit 165 is online account application information (or false new processing agreement information (or false new application information), online account security information, or financial transaction application provided from the web server 100 through the financial network) Information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receives the received online account application information (or false transaction processing information (or trail). Rule 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 (or non-face-to-face financial transaction application information)) to provide.

According to one embodiment of the present invention, the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual information provided from the web server 100) is provided. When the account processing information or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is encrypted, the information receiving unit 165 the encrypted online account application information (or the provisional processing agreement information (or the provisional provision) 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). Do.

The new provision establishment unit 160 is the online account application information (or the new provision processing agreement information (or new provision application information), or online account security information, from the web server 100 through the information receiving unit 165, Or if the financial transaction 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) is provided, the online account application information (or the provisional processing agreement information (or trail) Regulation 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). Application information (or provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing) Bo, or online account corresponding to the non-face-to-face financial transactions agreed information (or a non-face-to-face financial transaction request information)) is characterized by the rules outlined in the trail.

Here, the new provision opening unit 160 is the online account application information (or false provisions processing consent information (or provisional application information), or online account security information, financial transaction application information, or virtual account processing information, or Opening a new online account corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a new basis is based on the online account application information (or false information on the ledger D / B provided on the financial system). Customer corresponding to processing agreement information (or new application information), 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) Ledger (can be omitted if the customer ledger is already registered), or at least one online account ledger (eg, the number corresponding to the online account application information It characterized by being made of, including registering the director).

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

According to another embodiment of the present invention, the online ledger for the online account corresponding to the online account application information is in the form of an account ledger corresponding to a virtual account associated with a parent account based on the online account application information. It is preferable to register with the ledger D / B, wherein the mother account is registered with the ledger D / B on the financial system in order to register the customer financial account or the online account, which is already opened in the ledger D / B on the financial system. It is possible to include at least one or more of the above-described financial institution account, thereby 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 an amount (or deposit amount) into the online account by the Financial Real Name Transaction and Secret Guarantee Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the new provision establishment unit 160 is the online account application information (or false new processing agreement information (or new provision application information), or online account security information, or financial transactions received through the web server 100) Open the online account in connection with the external system or information system provided in the financial system based on the application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). A procedure (eg, a procedure of registering an online account ledger), and provides the result to the virtual account processor 155.

Those skilled in the art to which the present invention pertains, detailed description of the procedure for opening the online account (for example, registering an online ledger) by the provisional opening unit 160 in conjunction with the financial system. Since it will be understood, detailed description thereof will be omitted for convenience.

The virtual account processing unit 155 is a parent account for operating the online account (or online account ledger) opened by the provisional opening section 160 in the web server 100 operating institution (or financial institution) It is characterized in that the processing into a virtual account.

According to an embodiment of the present invention, the online account ledger corresponding to an online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the conventional virtual account. It does not include account ledger information, but real account ledger information that can be processed into a new account in the form of a real account when checking the financial real name of the online account (eg, including an account number that follows an account number system corresponding to the real account). Ledger information), and it is preferable that the real account operated by the web server 100 operating institution (or financial institution) is treated as a virtual account until the real name of the online account is verified. .

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as the parent account is the web. The server 100 may include virtual account ledger information (for example, ledger information including an account number conforming to the virtual account numbering system) having a real account operated by a management institution (or a financial institution), in which case It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number conforming to the account number system corresponding to the real account) when the financial real name of the online account is confirmed. Therefore, the present invention is not limited thereto.

Subsequently, the pseudonym management unit 150 manages a real account operated by the web server 100 operating institution (or financial institution) until the real name of the online account applicant is established through the online account established as the pseudonym as a parent account. It is characterized by operating by processing to a virtual account.

According to the method of the present invention, when the amount of money is deposited (or transferred) to the online account through the financial system, the provisional management unit 150 processes the deposit amount into the virtual account (for example, And depositing the deposit amount into a real account corresponding to the parent account of the virtual account.

In addition, when the amount of money is withdrawn (or account transfer) to the online account through the financial system, the new management unit 150 processes the withdrawal amount to withdraw the amount deposited in the virtual account (eg, the Withdrawal processing the withdrawal amount from a real account corresponding to a mother account of a virtual account).

In addition, when interest for the amount deposited in the online account is calculated through the financial system, the provisional management unit 150 operates the interest in the web server 100 operating institution (or financial institution). It is characterized in that it is treated as interest of an online account in the form of a virtual account having the account as the parent account.

As described above, by processing the online account as a virtual account of the real account operated by the web server 100 operating institution (or financial institution) as a parent account, the pseudonym management unit 150 finances the online account until the real name is verified. Prevent violations of real-name trading and confidentiality laws and concurrent decrees (Presidential Decree No. 15744).

The real name verification unit 145 is the law and the concurrent law on the financial real name system transactions and confidentiality while the online account opened by the new provision opening unit 160 is managed by the new provision management unit 150 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within the real name verification period.

According to the exemplary embodiment of the present invention, the real name verification unit 145 confirms the real name of the customer applying for the online account for the online account through a financial transaction system through a window terminal (not shown) associated with the financial system. It is advisable to check whether

According to another exemplary embodiment of the present invention, when the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the If the financial institution has implemented the real name verification process for the online account application customer), the real name verification unit 145 is a public certificate based on the real name verification process defined in the Internet banking system for the online account It is advisable to verify that the customer's real name is applied for an online account.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the If the financial institution has implemented the real name verification process for the online account application customer), the real name verification unit 145 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is advisable to verify that the customer's real name is applied for an online account.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking or home banking or TV banking customer corresponding to the financial institution. (Eg, when the financial institution has executed the real name verification process for the online account application customer), the real name verification unit 145 performs a certificate-based real name verification process defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed, and the present invention is not limited thereto.

According to the implementation method of the present invention, the real name verification unit 145 is provided in the financial system (or equipped with a financial institution) in order to confirm the real name for the online account application customers within the real name verification period It is desirable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using the function.

Alternatively, the real name verification unit 145 uses a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within the real name verification period. Therefore, it is preferable to periodically request the online account applicant to perform the real name verification procedure for the online account.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 145 checks the real name for the online account application customer within the real name verification period, the online account application A customer terminal-based financial transaction corresponding to the financial institution, or a financial terminal based financial transaction including a CD / ATM, or an Internet banking based financial transaction, or a wireless banking based financial transaction, or a telebanking based During a financial transaction, a home banking-based financial transaction, or a TV banking-based financial transaction, it is preferable to request the online account applicant to perform a real name verification procedure for the online account in connection with the financial transaction system.

If the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 145 generates the real name verification information for the online account request customer and provides the new account to the new account processor 140.

Or, if the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 145 generates unidentified name information for the online account request customer to provide to the new account processor 140 do.

When the real name confirmation information is provided from the real name confirmation unit 145 including the real name of the customer for the online account application within the real name confirmation period, the new account processing unit 140 is linked with the financial system. It is characterized by treating the online account processed by the new provision opening unit 160 or the new provision management unit 150 as a new provision as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 145 including the real name of the online account request customer confirmed within the real name confirmation period, the new account processing unit 140 Is valid new finance available for all financial transactions on the online account processed by the new provision opening unit 160 or the new provision management unit 150 in association with the external system or information system provided in the financial system. It is preferable to process into account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 140 It is preferable to unlock the online account in connection with the external or information system provided in the financial system, whereby the online account processed as the provisional provision is treated as a valid new financial account capable of all financial transactions. do.

According to another embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened online account is linked with the online account and has a withdrawal prevention function. In the case of the transfer, the new account processing unit 140 returns (or re-transfers) the amount deposited in the withdrawal prevention virtual account to the online account in connection with the external system or the information system provided in the financial system, Or removing (or erasing) the withdrawal prevention virtual account, whereby the online account processed as the provisional provision is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When the amount is deposited (or deposited) into the online account processed as the virtual account equipped with the withdrawal prevention function by the account, the new account processing unit 140 is an external system or information system provided in the financial system. Canceling the withdrawal prevention function of the online account processed with the virtual account equipped with the withdrawal prevention function, and providing (or erasing) the virtual account function associated with the new account processing mother account to process the online account; Preferably, the online account processed by the provisional provision is processed into a valid new financial account capable of all financial transactions.

According to the method of the present invention, when the new account processing unit 140 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 165 may set the online server opening date to the web server 100. From the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial transaction application information, or the virtual account processing information, or the non-face-to-face financial transaction consent information (or non It is preferable to apply retrospectively to any one of the date of receiving the face-to-face financial transaction application information)) or the date of the opening of the online account on the financial system.

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

In more detail, Figure 2 shows the actual account of the operating institution (or financial institution) of the web server 100 in the ledger information stored in the ledger D / B 200 provided in the DBMS on the financial system shown in Figure 1 It is shown that the online account ledger information is stored according to the virtual account ledger information in the virtual account ledger that is the parent account, and those skilled in the art to which the present invention pertains refer to and / or modify the present invention. Various information structuring methods for storing online account ledger information according to the virtual account ledger information in a virtual account ledger having a real account of the web server 100 operating institution (or a financial institution) in the ledger D / B. It 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 Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, ledger, loan Ledger, etc.) and at least one information associated with the ledger ledger, if the person of ordinary skill in the art belongs, ledger D / B provided in the DBMS on the financial system In addition to the customer ledger and the account ledger shown in FIG. 2, the reference numeral 200 further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also 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. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, an online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 through the online account registration system shown in FIG. For the customer ledger, the web server 100 management institution (or financial institution) stores the customer ledger information of the web server 100 operating institution (or financial institution), the financial transaction customer, as shown in Figure 1 It is preferable to store the online account customer ledger information registered in the online account of the virtual account type associated with the parent account which is the real account of the web server 100 operating institution (or financial institution) through the online account registration system.

Here, the web server 100 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial When the customer's ledger of the customer who opens the online account is already provided in the ledger D / B 200 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operating institution (or financial institution) is connected in relation to the customer ledger of the web server 100 operating institution (or financial institution). At least one financial account of the financial account of the web server 100 operating institution (or financial institution) corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. It is desirable to.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to link relationally with the ledger.

The virtual account ledger is a parent account of a virtual account corresponding to an online account registered through the online account registration system shown in FIG. 1 among at least one financial account corresponding to the web server 100 operating institution (or financial institution). The account ledger corresponding to the relational relationship, characterized in that the virtual account ledger information comprises an information structure further comprises the mother account number and the mother account management institution information in the basic account ledger information, such as the account ledger. It is characterized by.

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

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the structure of the virtual account ledger information associated with the account ledger of the web server 100 operating institution (or financial institution), and Since it is possible to infer the online account ledger information configuration that follows the virtual account ledger information configuration, a detailed description thereof will be omitted for convenience.

In more detail, FIG. 3 shows an online account ledger stored in the ledger D / B 300 provided in the DBMS on the financial system shown in FIG. 1 through the virtual account processing information. Shows a configuration of information linking a real account of a financial institution) in the form of a virtual account, and a person having ordinary knowledge in the technical field to which the present invention belongs, will refer to and / or modify the drawing 3 to the ledger. It may be possible to infer various information formation methods linking the online account ledger to the D / B through the virtual account processing information in the form of a virtual account of the real account of the management institution (or financial institution) of the web server 100. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, the reception ledger, loans) Ledger, etc.) and at least one information associated with the ledger ledger, if the person of ordinary skill in the art belongs, ledger D / B provided in the DBMS on the financial system 300, in addition to the customer ledger and the account ledger shown in FIG. 3, at least one ledger (eg, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers is further included. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

Here, the web server 100 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where a customer ledger of a customer who opens the online account is provided in the ledger D / B 300 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operating institution (or financial institution) is connected in relation to the customer ledger of the web server 100 operating institution (or financial institution). At least one financial account of the financial account of the web server 100 operating institution (or financial institution) is stored in a mother account for processing the online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among the online account number and the financial account of the operation server (or financial institution) of the web server 100. By including as the additional information the virtual account processing information including the mother account number corresponding to the mother account, and at least one or more of the parent account operating institution information (for example, Web server 100 operating institution (or financial institution) information), Characterized in that the online account is processed as a virtual account of the financial account of the management institution (or financial institution) of the web server 100 as a parent account, wherein the virtual account processing information is the online account registration system shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 175 of the merchant.

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

The mother account number of the virtual account processing information is a financial account (or real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the name of the web server 100 operating institution (or financial institution). It is preferable to include the account number.

The mother account operating institution information of the virtual account processing information preferably includes information of the web server 100 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

In more detail, Figure 4 is an online account ledger stored in the ledger D / B 400 provided in the DBMS on the financial system shown in Figure 1 through the virtual account processing information as shown in Figure 3 on the Web Server 100 is connected to a real account of the operating institution (or financial institution) in the form of a virtual account, and the information structure for further processing the link information processing for the new account processing for the new account to the online ledger As one of ordinary skill in the art to which the present invention pertains, the web server 100 is operated through the virtual account processing information of the online account ledger in the ledger D / B by referring to and / or modifying the drawing 4. It would be possible to infer a variety of information organization methods for processing a bank account by linking a real account of an institution (or a financial institution) in the form of a virtual account, but the present invention is inferred from the above. Includes all exemplary method, it shall not be limited to the exemplary method shown in the figure 4.

Referring to Figure 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is the customer ledger, and the account ledger associated with the customer ledger (for example, 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, the ledger D / B provided in the DBMS on the financial system 400, in addition to the customer ledger and the account ledger shown in FIG. 4, at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.), or at least one additional information for maintaining and managing the ledgers is further included. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the online account registration in the form of a virtual account associated with a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. For the customer ledger, the web server 100 operating institution (or financial institution) stores the customer ledger information of the web server 100 operating institution (or financial institution) whose financial transaction is a customer, and is shown in FIG. Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a parent account that is a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where the customer ledger of the customer who opens the online account is already provided in the ledger D / B 400 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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., at least the account number corresponding to the account ledger, abstention (months), period (days), period extension, maturity date and target amount Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

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

In the online account management server 135 shown in FIG. 1, the new provision opening unit 160 or the new provision management unit 150 is connected to the external system or information system provided in the financial system to the online account. Generating false information processing information including at least one corresponding virtual account number (or online account number), the date of establishment of a new provision, the real name verification expiration date, the real name verification period extension, and the real name verification prepayment deposit; Preferably, the processing information is stored in association with the additional information corresponding to the online ledger, and the provisional processing information is applied to the online account received from the customer terminal 175 on the online account registration system shown in FIG. It is preferably generated based on the information and the provisional processing consent information (or provisional application information).

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

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

In addition, the new establishment date of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the new provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

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

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

The deposit before the real name verification of the provisional processing information is deposited from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. If the amount is deposited into the online account, the deposit before real name verification is matched with the account balance of the online ledger.

According to another exemplary embodiment of the present invention, the information included in the provisional processing information is stored in the form of information included in the online account ledger (not shown), or another ledger other than the online account ledger (eg, a customer). It may be stored in the form of additional information added to the ledger, or in the form of information included in other ledgers (eg, customer ledgers) other than the online account ledger, and thus, the present invention is not limited thereto.

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides an online account request interface to the customer terminal 175, the customer terminal 175 provides an online account through the online account request interface. An online account management server provided with the application information (or selected) and provided to the web server 100 through a communication network, and the web server 100 provides the online account application information to the financial institution through a financial network ( 135, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 5 to the client terminal 175 through the web server 100. Although various implementation methods for providing the online account application information to the online account management server 135 may be inferred, the present invention includes all of the inferred implementation methods. It is not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, Corresponding to the online account request interface provided by the web server 100 to the customer terminal 175, in addition to the online account application information in the customer terminal 175, the new provision processing agreement information (or the new application information), or online It is possible to infer an implementation method of providing 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). At 175, the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual An implementation method of providing 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 those skilled in the art to which the present invention belongs, the web server 100 corresponding to the security function provided in the financial network connecting the web server 100 and the online account management server 135 The online account application information (or false transaction processing information (or false 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 consent information (or non-face-to-face) Financial transaction application information)) and transmits it, and the online account management server 135 transmits the online account application information (or the provisional processing agreement information (or the provisional application information), the online account security information, or the financial It is possible to infer a method of decrypting 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). Would, in the present invention includes embodiments in which the inference method, which the present invention is not limited.

Referring to FIG. 5, the customer terminal 175 illustrated in FIG. 1 connects to the web server 100 through a communication network including at least one wired or wireless communication network (500), and the web server ( At least one web-based service provided by 100 may be used (505). At this time, the web-based service screen provided by the web server 100 to the customer terminal 175 may be applied to the online account application for the online account application. Preferably, a menu interface for requesting an interface is included.

Therefore, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account registration interface is used to register the online account from the customer terminal 175. Periodically check (510) whether an account request interface is requested, if the online account request interface is requested from the client terminal (175) (515), the web server 100 to provide to the customer terminal (175) An online account application interface is generated (or extracted from a web source D / B (not shown)) (520), and the online account application interface is provided to the mobile terminal through the communication network (525).

Thereafter, the customer terminal 175 inputs (or selects) online account application information through the online account application interface (530), and the online account application information is at least one online application that the customer applies (or purchases). At least one online account selection information for selecting an account, agreement agreement information corresponding to the online account, the online account deposit amount information, and customer information for the online account applicant is preferably included.

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

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

In addition, the online account security information may further include a 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.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rule processing period information (for example, a period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer passes the information on the provision of the new regulations And an interface for inputting (or selecting) false provisional processing consent information for agreeing to the provisional processing period information or provisional provisional application information for which the customer applies for provisional processing for the online account.

According to the implementation method of the present invention, the online account application interface, a virtual account using a real account that operates the online account corresponding to the online account application information in the web server 100 management institution (or financial institution) as a parent account Virtual account processing including the mother account management institution information including at least one or more of the web server 100 operating institution (or financial institution) to register in the form, and the mother account information corresponding to the real account operated in the mother account operating institution It is preferable to include an interface for inputting (or selecting) information.

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

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

The customer applying for the online account is not a conventional financial transaction member for the financial institution corresponding to the online account (for example, the financial institution does not have at least one customer account corresponding to the customer applying for the online account). Or the online account applicant has no history of financial transactions with the financial institution, or the online account client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless). Banking member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (175) Non-face-to-face financial transaction terms and conditions for processing financial transactions (e.g. sign up for internet banking) Non-face-to-face financial transaction agreement information, and the like, and the customer agrees to the non-face-to-face financial terms and conditions information, or the like. It is preferable that the customer comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and conditions information corresponding to the online account, or the non-face-to-face financial transaction application is processed in the real name verification process for the online account, or for financial transactions using the online account An interface for acquiring (or applying for) a non-face-to-face financial transaction for processing at least one non-face-to-face financial transaction with the financial institution through the at least one non-face-to-face financial transaction channel when the non-face-to-face financial transaction authentication can be omitted. May be omitted, and the present invention is not limited thereto.

Then, the web server 100 is the online account application information (or the provisional processing agreement information (or provisional application information), or online account security information, financial transaction application information, or virtual account processing information, or non-face-to-face) The financial transaction agreement information (or non-face-to-face financial transaction application information) is received and stored in the storage medium 170 (540).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 170 may include the web server 100 (or the web server 100 operator) and the online account management server 135. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the online account management server 135 through a financial network (545), and the online account management server 135 transmits the web through the financial network. The online account application information provided from the server 100 is received (550).

In more detail, in FIG. 6, when the web server 100 illustrated in FIG. 1 provides an online account request interface to the customer terminal 175, the customer terminal 175 provides an online account through the online account request interface. Input (or select) and encrypt application information to provide it to the web server 100 through a communication network, and decrypt the online account application information in the web server 100 to retrieve the online account application information through a financial network. The process of providing to the online account management server 135 provided in a financial institution, if the person of ordinary skill in the art to which the present invention belongs, the customer terminal 175 by referring to and / or modified with reference to FIG. In this regard, various implementation methods for providing the online account application information to the online account management server 135 through the web server 100 may be inferred. The invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 6, only the online account application information is provided from the customer terminal 175 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, Corresponding to the online account request interface provided by the web server 100 to the customer terminal 175, in addition to the online account application information in the customer terminal 175, the new provision processing agreement information (or the new application information), or online It is possible to infer an implementation method of providing 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). At 175, the provisional processing consent information (or provisional application information), or online account security information, or financial transaction application information, or virtual An implementation method of providing 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 those skilled in the art to which the present invention belongs, the web server 100 corresponding to the security function provided in the financial network connecting the web server 100 and the online account management server 135 The online account application information (or false transaction processing information (or false 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 consent information (or non-face-to-face) Financial transaction application information)) and transmits it, and in the online account management server 135, the online account application information (or the provisional processing agreement information (or the provisional application information), or the online account security information, or the financial It is possible to infer a method of decrypting 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). Would, in the present invention includes embodiments in which the inference method, which the present invention is not limited.

Referring to FIG. 6, the customer terminal 175 illustrated in FIG. 1 connects to the web server 100 through a communication network including at least one wired or wireless communication network (600), and the web server ( At least one web-based service provided by 100 is used (605). At this time, a web-based service screen provided from the web server 100 to the customer terminal 175 is applied to the online account application for the online account application. Preferably, a menu interface for requesting an interface is included.

Therefore, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the online account registration interface is used to register the online account from the customer terminal 175. Periodically check whether the account request interface is requested (610), if the online account request interface is requested from the customer terminal (175) (615), the web server 100 is an online account request interface with a security function Generate (or extract from a web source D / B (not shown)) (620) and provide the online account application interface to the mobile terminal through the communication network (625).

Here, the security function provided in the online account application interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 175 by an encryption method, or the electronic information 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 in conjunction with the online account application interface, wherein the security program is at least one or more encryption for encrypting the online account application information It is preferable to comprise a key.

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 customer terminal 175 inputs (or selects) online account application information through the online account application interface (630), wherein the online account application information is applied to (or purchases) at least one online application. At least one online account selection information for selecting an account, agreement agreement information corresponding to the online account, the online account deposit amount information, and customer information for the online account applicant is preferably included.

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

In addition, the online account security information further includes a 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. 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 customer terminal 175, the customer terminal 175 may input (or select) online account security information through the interface. Afterwards, the input (or selected) online account security information is transmitted to the web server 100 through the communication network, or the online account application information further includes the online account security information. Send to the web server 100.

According to the method of the present invention, the online account application interface, the provisions of the provisions of the new provisions and the provisions that specify that the online account is processed as a new provision until the financial real name for the online account corresponding to the online account application information Rule processing period information (for example, a period in which the online account is processed and operated before the financial real name verification for the online account) is output to the customer terminal 175, and the customer passes the information on the provision of the new regulations And an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, or provisional application information for which the customer applies for provisional processing for the online account.

In addition, when the customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (for example, at least one customer account corresponding to the online account applying customer is opened at the financial institution). Or the online account request customer has never processed a financial transaction with the financial institution), the online account application interface is configured to process the first financial transaction with the financial institution by the customer terminal 175. And an interface for outputting financial transaction application terms information and confirming that the customer has agreed to the financial transaction application terms.

The customer applying for the online account is not a conventional financial transaction member for a financial institution corresponding to the online account (e.g., the financial institution does not have at least one customer account corresponding to the online account applying customer, or Or, if the online account applicant has never processed a financial transaction with the financial institution, or the online account applying client is a non-face-to-face financial transaction customer (e.g., an Internet banking member, or wireless banking) with the financial institution. Member, TV banking member, home banking member, etc.), the online account application interface, at least one non-face-to-face finance through the at least one non-face-to-face financial transaction channel with the financial institution to the customer terminal (175) Non-face-to-face financial transaction terms and conditions for processing transactions (eg, internet banking subscription Non-face-to-face financial transaction agreement information, and the like, and the customer agrees to the non-face-to-face financial terms and conditions information, or the like. It is preferable that the customer comprises an interface for inputting (or selecting) non-face-to-face financial transaction application information for applying for the face-to-face financial transaction.

The web server 100 receiving the encrypted online account request information through the communication network decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information ( Or the provisional processing consent 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 consent information (or non-face-to-face financial transaction application information). The storage medium 170 stores the data at 640.

Thereafter, the web server 100 transmits the online account application information to the online account management server 135 through a financial network (645), and the online account management server 135 transmits the web through the financial network. The online account application information provided from the server 100 is received (650).

In more detail, in FIG. 7, the online account management server 135 shown in FIG. 1 establishes an online account based on the online account application information provided from the web server 100 and stores the online account in the web server ( 100) A process of processing a real account operated by a management institution (or a financial institution) into a virtual account as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to FIG. 7 and / or Based on the online account application information provided to the online account management server 135 shown in FIG. 1, an online account is managed by the web server 100 management institution (or financial institution) as a parent account. Various implementation methods for processing with virtual accounts may be inferred, but the present invention encompasses all of the inferred implementation methods, thereby limiting the invention. No.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the online account management server 135. However, the present invention includes those skilled in the art. In addition to the online account application information, the provisional processing agreement 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 consent information (or non-face-to-face financial transaction). Application information) and the like may be inferred from the implementation method provided to the online account management server 135, but the present invention may provide the provisional processing agreement information (or provisional application information) to the online account management server 135. ), Or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction consent information (or Face-to-face financial transaction application information) is further provided, whereby the present invention is not limited.

Hereinafter, in FIG. 7, the online account management server 135 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 7, through the process shown in FIG. 5 or FIG. 6, the online account application information (or the provisional processing agreement information (or the new application) from the web server 100 shown in FIG. 1 to the server is shown. 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)). (Or false transaction processing information (or false 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)) Read (700) to see if it is possible to open the online account.

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

On the other hand, if it is possible to open the online account based on the online account application information (705), the server processes the online account corresponding to the online account application information on the financial system in a hidden manner in association with the financial system. In operation 720, the online account is processed as a virtual account in which the online account is operated by the web server 100 operating institution (or financial institution) as a parent account in connection with the financial system.

According to an exemplary embodiment of the present invention, the server corresponds to a real account operated by the web server 100 operating institution (or financial institution) to the provisional processing information added to the online account ledger as shown in FIG. By adding a mother account number, a virtual account whose mother account is a real account which operates a ledger corresponding to the online account opened by the provisional opening unit 160 in the web server 100 management institution (or financial institution). It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account in the online account ledger, a parent account manager information and a mother account corresponding to the mother account to be linked to the online account as shown in FIG. By managing the virtual account processing information including the information in a relational manner, the ledger corresponding to the online account opened by the provisional opening unit 160 is operated by the web server 100 management institution (or financial institution). It is preferable to process the real account to be a virtual account which is the parent account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a database linked to the ledger D / B in which the online account ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the online account opened by) into a virtual account whose parent account is a real account operated by the web server 100 operating institution (or financial institution).

In more detail, FIG. 8 illustrates a real account operated by a management institution (or financial institution) of the web server 100 through a process illustrated in FIG. 7 through the online account registration system shown in FIG. A process for performing a real name verification process for an online account processed as a virtual account and processing it as a new financial account. Specifically, the name verification expiration date is automatically extended so that at least one financial transaction through the online account is required without real name verification. It is about the implementation method to provide a continuous.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account 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.

Hereinafter, in FIG. 8, the online account management server 135 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may be a window terminal (not shown) based financial transaction system linked to the financial system (or a city), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Correspondingly) (800).

Those skilled in the art to which the present invention pertains include a window terminal (not shown) based financial transaction system linked to the financial system, a financial terminal based financial transaction system including CD / ATM, internet banking system, wireless Since you will be familiar with how to verify customer real names for financial accounts through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

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

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server is a virtual account that uses a real account operated by the management institution (or financial institution) of the web server 100. Repeat the process of checking the customer's real name for the online account processed by the account.

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

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (805), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (825), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (830).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server deletes the new transaction information or the virtual account processing information added to the online account ledger to process the online account as a new financial account whose real name is verified. desirable.

Alternatively, when the online account in the form of a virtual account operated by the web server 100 operating institution (or financial institution) as a parent account is treated as the new financial account, the online ledger information is the virtual account ledger information. In the case of including, the server erases the new transaction information, or virtual account processing information added to the online account ledger, by replacing (or converting) the virtual account ledger information with real account ledger information, the online It is desirable to treat the account as a new financial account with a real name.

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

In more detail, FIG. 9 illustrates a real account operated by a management institution (or financial institution) of the web server 100 through a process illustrated in FIG. 7 through the online account registration system shown in FIG. This is a process of performing a real name verification process for an online account processed as a virtual account and processing it as a new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is converted into an original account (eg, the The present invention relates to a method of retrieving a financial account (or another online account) transferred to an online account and dormant processing of the online account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to a virtual account whose parent account is the real account operated by the web server 100 operating institution (or financial institution). Various implementation methods for confirming the real name for the processed online account 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.

Hereinafter, in FIG. 9, the online account management server 135 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may be a bank terminal (not shown) based financial transaction system linked to the financial system (or a financial system), a financial terminal based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. System, a telebanking system, a home banking system, and a financial transaction system including at least one or more TV banking systems) in response to the online account application information, periodically checking whether the real name of the online account application customer for the online account is verified. Or a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system To a customer real name verification event from a financial transaction system that includes at least one of Response) Make (900).

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

If the real name verification period for the online account has not elapsed in correspondence with the online account application information (915), the server is a virtual account that uses a real account operated by the management institution (or financial institution) of the web server 100 as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (915), the server in connection with the financial system, the amount of money deposited in the online account corresponding to the online account application information in the original account ( For example, in response to the online account application information, an investment amount (or deposit amount) is deposited into an online account as a financial account), and the online account is processed as a dormant account in response to the online account application information (920). .

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is linked to the financial system, the real account managed by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (925), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (930).

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 management institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. When included, the server erases the pseudo-news information or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with the real account ledger information, thereby providing the online account. Is preferably treated as a new financial account whose real name is identified.

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

In more detail, FIG. 10 illustrates that when a customer provides card issuance application information for issuing an online account interworking multifunction card to an online account linking multifunction card management system through at least one or more card issuing interfaces, A system configuration for issuing an online account interworking multifunction card in the form of an IC (Integrated Circuit) card to the customer based on the card issuing application information. 10 may be inferred from various implementation methods for the configuration of the online account interworking multi-function card issuing system by referring to 10 and / or modifications, but the present invention includes all the implementation methods inferred from the above, and is shown in FIG. It is not limited to only.

For example, one of ordinary skill in the art to which the present invention pertains may refer to an implementation method of issuing an online account interworking multifunction card in the form of an IC chip applet by referring to and / or modifying the drawing 10. The invention is characterized in that it comprises all the inferable method of implementation.

Hereinafter, at least one means or function configuration for issuing an online account interworking multifunction card to the customer based on the card issuing application information provided from the customer through a card issuing interface on the card issuing system shown in FIG. The corresponding component is called "card issuing server 1000" for convenience.

Referring to FIG. 10 according to an embodiment of the present invention, the online account interworking multifunction card issuing system includes an employee terminal used by a card issuing staff provided in at least one card issuing institution (or financial institution). When the card issuing system supports a non-face-to-face card issuance application, characterized in that it comprises a client terminal including at least one wired terminal, or wireless terminal used by the customer, the employee The terminal, or the client terminal, is connected to the card issuing server 1000 provided on the online account linked multifunction card management system through a communication network.

According to one embodiment of the present invention, the customer visits the card issuing institution (or financial institution) for issuing the online account-linked multifunction card through a window provided in the card issuing institution (or financial institution) (or A card issuance application form (for example, a document provided with a form for filling in at least one information item for issuing the online account interworking multifunction card) through a card issuing clerk; Or the card issuer visits the customer and asks the customer to complete a card issuance application for issuing the online account interworking multifunction card), and submits the completed card issuance application to the card issuing staff. The issuing employee should fill out the card issuance application form through the employee's terminal. It is preferable to input (or select) information, and the employee terminal transmits the input (or select) information to the card issuing server 1000 provided on the online account linked multifunction card management system through the communication network. .

Here, the employee terminal preferably comprises an employee terminal used by the card issuing staff provided in the card issuing institution (or financial institution), the card issuing server 1000 is connected to the employee terminal issuing the card Preferably it comprises a server provided on an institution (or a financial institution, or a card issuing partner affiliated with the card issuing agency), the communication network connecting the employee terminal and the card issuing server 1000 is the employee It is preferable that the communication network to connect the communication channel between the terminal and the card issuing server 1000.

In the card issuing system as described above, the card issuance application created by the customer, the employee terminal used by the card issuing staff and the financial network connecting the employee terminal and the card issuing server 1000 is the customer said It performs a function of the card issuing interface for registering card issuing application information for issuing an online account interworking multifunction card.

According to another embodiment of the present invention, when the card issuing system supports a non-face-to-face card issuance application, the customer is at least one client terminal of a wired terminal connected to a wired communication network, or a wireless terminal connected to a wireless communication network. When the card issuing server 1000 is connected to the card issuing server, and the card issuing application information for issuing the online account interworking multifunction card is issued (or selected) through at least one user interface provided by the card issuing server 1000. Preferably, the client terminal transmits to the card issuing server 1000 provided on the online account linked multifunction card management system through a communication network.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer or a notebook computer connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to a wireless communication network based on High Speed Downlink Packet Access (HSDPA), or IEEE 802.16x. As a generic term for all terminal devices connected to the mobile Internet based on the base station, or all terminal devices connected to the Motorola DataTAC method or the Erricson Mobitex type wireless data communication network, a personal communication system (PCS) connected to the CDMA-based mobile communication network; ), Or a GSM (Global System for Mobile communications) terminal, or a Personal Digital Cellular (PDC), or PHS (Personal Handyphone System) terminal, or a Personal Digital Assistant (PDA), or a smartphone (Smart Phone), or Telematics, or High Speed Downlink Packet Access (HSDPA) It comprises line radio communication terminals connected to the network, or the IEEE 802.16x based portable Internet terminal connected to the portable Internet, or the DataTAC / Mobitex based wireless data communication network such as a wireless data communication terminal connected to the at least one are preferred.

In addition, the client terminal outputs at least one user interface provided by the card issuing server 1000, inputs (or selects) at least one or more information through the user interface, and transmits the same to the card issuing server 1000. It is preferable that a function configuration (for example, a browser program and a communication function or a communication program and communication function for communicating with the card issuing server 1000, 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 will be omitted for convenience.

In the card issuing system, a client terminal including at least one or more wired terminals or wireless terminals used by the customer, at least one wired communication network connecting the client terminal and the card issuing server 1000, or The wireless communication network performs a function of a card issuing interface for the customer to register card issuing application information for issuing the online account interworking multifunction 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 1050 is a financial network (eg, in addition to the employee terminal or the client terminal). It further comprises a financial automated machine (not shown) including an automatic teller machine (ATM) and a cash dispenser (CD) connected to the financial common network, or a public switched network. It further includes a call terminal (not shown) connected to a wired telephone network such as a telephone network (PSTN) or a voice over IP (VoIP) network, or a call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. Further comprising a terminal, or further provided with a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the card issuer (or financial institution). It may hamhal, 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 1050 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device ( (Not shown) and the financial network connecting the card issuing server 1000 performs a function of a card issuing interface for the customer to register card issuing application information for issuing the online account interworking multifunction card, or the card issuing When the terminal 1050 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 1000 is the customer. To perform the function of the card issuing interface for registering the card issuing application information for issuing the online account interworking multi-function card, or the card issuing stage If the word 1050 is a terminal (and / or server) (not shown) provided in an institution affiliated with the card issuer (or financial institution), the terminal (and / or server) (not shown) and the A network connecting a terminal (and / or server) (not shown) and the card issuing server 1000 may provide a function of a card issuing interface for registering the card issuing application information for the customer to issue the online account interworking multifunction card. Conduct.

The storage medium 1045 provided on the online account linked multifunction card management system according to the present invention issues an online account linked multifunction card to the customer based on the card issuance application information provided from the card issuing terminal 1050. Thereafter, the card management information according to the online account interworking multifunction card issuing is stored, and the storage medium 1045 is included in the ledger corresponding to the online account, or on the online account linking multifunction card management system. It is preferably provided in the form of a database provided in.

The card issuing server 1000 provided on the on-line account linked multifunction card management system according to the present invention is a generic term for the on-line account linked multifunction card management system side component connected to the card issuing terminal 1050 through a communication network. It may be implemented by including at least one server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in the server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the card issuing server 1000 is provided with an interface unit 1005 (or interface means) for providing a card issuing interface to the card issuing terminal 1050 through the communication network. It is done.

According to an embodiment of the present invention, when the card issuing terminal 1050 is an employee terminal connected to a financial network, the interface unit 1005 communicates with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using the communication protocol defined in the card issuance application program provided in the employee terminal.

According to another embodiment of the present invention, when the card issuing terminal 1050 is a client terminal including a wired terminal connected to a wired communication network, the interface unit 1005 is based on a protocol stack defined in the wired communication network. It is preferable to connect a communication channel with the client terminal, and 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.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1005 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 page (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 card issuance application program provided by the card issuing server 1000, the interface unit 1005 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1050 is a client terminal including a wireless terminal connected to a wireless communication network, the interface unit 1005 is based on a protocol stack defined in the wireless communication network. By connecting the communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1005 communicates with the client terminal based on the CDMA protocol. And a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or a communication interface for transmitting and receiving information using the 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 1000, the interface unit 1005 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 10, the card issuing server 1000 is connected to the card issuing server 1000 when the card issuing terminal 1050 is connected to the card issuing server 1000 through the interface unit 1005 (or at the time of requesting issuance of an online account interworking multifunction card). In response to the interface unit 1005, the card issuing terminal 1050 generates (or extracts) a user interface for inputting (or selecting) the card issuing application information and transmitting the generated (or extracted) information to the card issuing terminal 1050. The card issuing application information inputted (or selected) transmitted by the card issuing terminal 1050 through the user interface in cooperation with the interface providing unit 1010 (or interface providing means) and the interface unit 1005. The online account interworking multifunction card is issued to the customer based on the received information receiving unit 1015 (or information receiving means) and the received card issuing application information. N (N> 1) corresponding to an online account interworking multifunction card to be issued to the customer based on the validity authentication unit 1020 (or validity authentication means) and the received card issuance application information to check the validity of the; An online account interworking multifunction card including the N (N> 1) card information via the information generating unit 1025 (or information generating means) for generating (or extracting) card information and the card issuing device 1040. A card issuing unit 1030 (card issuing means) for issuing the card, and an information storage unit 1035 (or storing card operation information corresponding to the online account interworking multifunction card issued to the customer) in the storage medium 1045 (or Information storage means).

The interface providing unit 1010 is the card issuing terminal 1050 when the card issuing terminal 1000 is connected to the card issuing server 1000 through the interface unit 1005 (or online account linked multi-function card issuing request), the card issuing terminal ( Corresponding to the functional configuration of 1050, the card issuing application information is input (or selected) to generate a user interface that can be transmitted to the card issuing server 1000 via the communication network, or from a database (not shown) And extract and generate the generated (or extracted) user interface to the card issuing terminal 1050 through the communication network in association with the interface unit 1005.

Thereafter, the card issuing terminal 1050 inputs (or selects) the card issuing application information based on the user interface, and the card issuing server through the communication network with the input (or selected) card issuing request information. Transmit to 1000.

According to an embodiment of the present invention, when the card issuing terminal 1050 is an employee terminal connected to a financial network, the interface providing unit 1010 may provide a user interface that can be provided by a card issuing application program included in the employee terminal. It is preferable to generate (or extract) and provide the created (or extracted) user interface to the employee terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1050 is a client terminal including a wired terminal connected to a wired communication network, the interface providing unit 1010 may include a browser program provided in the client terminal, or It is preferable to generate (or extract) a user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the card issuing terminal 1050 is a client terminal including a wireless terminal connected to a wireless communication network, the interface providing unit 1010 may include a browser program provided in the client terminal, Alternatively, it is preferable to generate (or extract) a user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005.

The information receiving unit 1015 inputs (or selects) card issuing application information from the card issuing terminal 1050 through the user interface and transmits the information through the communication network. The card issuing unit 1015 is interlocked with the interface unit 1005. Characterized in that it receives the application information, and provides the received card issuance application information to the validity authentication unit 1020 or information generation unit 1025.

According to an embodiment of the present invention, the card issuing application information includes at least one of customer information of the card issuing customer, online account information, N (N> 1) card function information, and distribution ratio information for each card function. It is done by

Here, the customer information is personal information of the card issuing customer (eg, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer subscribes to the card issuing server 1000. Preferably, at least one member information (eg, member ID information) is included.

In addition, the online account information preferably comprises an account number corresponding to the online account issued through the online account registration system shown in Figure 1, further comprising the account holder information and mother account information according to the intention of those skilled in the art It is desirable to make.

The N (N> 1) card function information is information for defining (or selecting) card functions corresponding to N (N> 1) card types assigned to the online account interworking multifunction card. N> 1) card functions preferably comprise at least one of the transportation card function, credit card function, check card function, cash card function, debit card function associated with the online account.

In addition, the distribution ratio information for each card function is the rate information for each card function corresponding to the N (N> 1) card function information to distribute the balance of the online account, and a traffic card associated with the online account. It is preferable that the balance distribution ratio for the credit card, the balance distribution ratio for the credit card, the balance distribution ratio for the check card, the balance distribution ratio for the cash card, and the balance distribution ratio for the debit card.

The validity authentication unit 1020 may verify the validity of issuing the online account interworking multifunction card to the customer based on the customer information included in the received card issuance application information.

According to the method of the present invention, the validity check for issuing the online account interworking multi-function card to the customer, the real name verification server through the communication network based on the customer name and social security number included in the customer information (not shown) Preferably in conjunction with identifying the real name of the customer.

In addition, when the online account interworking multifunction card comprises a credit card, the validity check for issuing the online account interworking multifunction card to the customer, in connection with the credit rating server through the communication network based on the customer information It is preferable to include verifying the credit information of the customer.

Further, when the online account interworking multifunction card includes a check card / debit card / cash card, the validity check for issuing the online account interworking multifunction card to the customer is performed through a communication network based on the customer information. It is preferable to include checking whether the online account is opened and normally operated in connection with a financial institution server in which an online account linked to the check card / debit card / cash card is opened.

The information generation unit 1025 generates N (N> 1) card information to be provided in the online account linked multifunction card to the customer based on the card issuance application information received through the information receiving unit 1015 ( Or extracting), wherein the card information includes N (N> 1) card numbers corresponding to N (N> 1) card functions corresponding to the online account interworking multifunction card (eg, 16-digit card number). ) And expiration date information (some may be omitted) and card issuer information (or code).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information preferably includes a period (or an expiration date and time) in which the online account interworking multifunction card can be used, and may be omitted when the expiration date does not exist in the online account interworking multifunction card. The present invention is not limited.

The card issuer information (or code) preferably comprises at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the online account interworking multifunction card to the customer.

When the N (N> 1) card information included in the online account interworking multifunction card is generated by the information generating unit 1025, the card issuing unit 1030 uses the card issuing device 1040. N> 1) producing an online account interworking multifunction card including card information (or having the N (N> 1) card information in the online account interworking multifunction card), wherein the online account interworking multifunction card The card is provided (or shipped) to the customer.

Here, the card issuing device 1040 includes a device for recording the N (N> 1) card information in a memory provided in the IC chip of the online account interworking multifunction card, wherein the information generating unit 1025 generates (or extracts) the N (N> 1) card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 1030 The card issuing device 1040 records the N (N> 1) card information in the memory of the IC chip, thereby issuing an online account interworking multifunction card to be issued to the customer.

The online account interworking multifunction card produced as described above is provided to the customer or delivered to the customer according to a card providing procedure.

Thereafter, the information storage unit 1035 includes the customer information, the online account information, and the generated N (N> 1) card information included in the card issuance request information received from the customer through the information receiving unit 1015. And card management information including at least one allocation ratio information for each card function in the storage medium 1045.

Here, the customer information included in the card operation information includes personal information of the card issuing customer (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.), and the customer is the card. At least one member information (for example, member ID information) subscribed to the issuing server 1000 may be included.

The distribution ratio information for each card function included in the card operation information is ratio information for each card corresponding to the N (N> 1) card information to distribute the balance of the online account. It is preferable to include at least one of the balance allocation ratio for the associated transportation card, the balance allocation ratio for the credit card, the balance allocation ratio for the check card, the balance allocation ratio for the cash card, and the balance allocation ratio for the debit card. Do.

FIG. 11 is a diagram illustrating a ledger information configuration including a storage medium 1045 according to one embodiment of the present invention.

In more detail, FIG. 11 illustrates an implementation method in which the storage medium 1045 shown in FIG. 10 is included in the ledger D / B 1100 shown in FIG. 2, and is generally known in the art. Those skilled in the art will be able to infer various implementation methods for the storage medium 1045 by referring to and / or modifying the drawing x, but the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method illustrated in FIG.

For example, the storage medium 1045 may not be included in the ledger D / B 1100, but may be implemented in a separate database form associated with the ledger D / B 1100, thereby limiting the present invention. It is clear that it is not.

Referring to FIG. 11 according to an embodiment of the present invention, a ledger configuration including the storage medium 1045 includes a ledger information configuration shown in FIG. 2, and detailed description of each ledger information configuration is given below. Reference will be made to FIG. 2, and detailed description thereof will be omitted in FIG.

Referring to FIG. 11, when the online account linking multifunction card is issued through the card issuing system shown in FIG. 10, the online account linking multifunction card is issued to the ledger D / B provided in the DBMS on the financial system. A card ledger including N (N> 1) card ledger information corresponding to N (N> 1) card functions provided in the online account linked multifunction card is provided in association with an online account ledger. .

Here, the N (N> 1) card ledger information provided in the card ledger basically includes the corresponding card number (not shown) and various card attribute information (not shown), and is associated with the online account. It includes an account number (for example, a virtual account number) corresponding to the online account.

In addition, the storage medium 1045 shown in FIG. 10 is preferably provided in the form of an additional information ledger which is processed in association with the N (N> 1) card ledger information and the online account ledger information. Customer information of the card management information stored in the storage medium 1045 shown in the is implemented in the customer ledger provided in the ledger D / B 1100, the storage medium 1045 is linked to the customer ledger relationally The above description is omitted.

The card management information is associated with the virtual account ledger corresponding to the online account through the virtual account number in relational form, and N (N> 1) card ledger information through the card number (1) included in the card management information. Among the card ledger information (1), characterized in that it comprises a distribution ratio information (1) corresponding to the card number (1), wherein the card number and distribution ratio information to the online account linked multifunction card It is preferable to provide as many as N (N> 1) card functions provided.

FIG. 12 is a diagram illustrating a ledger information configuration including a storage medium 1045 according to another exemplary embodiment of the present invention.

12 is a detailed view of the present invention. The storage medium 1045 illustrated in FIG. 10 is an embodiment of the present invention, which is included in the ledger D / B 1200 of FIG. Those skilled in the art will be able to infer various implementation methods for the storage medium 1045 by referring to and / or modifying the drawing x, but the present invention provides all the implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

For example, the storage medium 1045 may not be included in the ledger D / B 1200, but may be implemented in a separate database form associated with the ledger D / B 1200, thereby limiting the present invention. It is clear that it is not.

Referring to FIG. 12 according to another exemplary embodiment of the present invention, a ledger configuration including the storage medium 1045 includes a ledger information configuration shown in FIG. 3 and a detailed description of each ledger information configuration. 3 will be referred to, and a detailed description thereof will be omitted.

Referring to FIG. 12, when the online account linking multifunction card is issued through the card issuing system shown in FIG. 10, the online account linking multifunction card is issued to the ledger D / B provided in the DBMS on the financial system. And a card ledger including N (N> 1) card ledger information corresponding to N (N> 1) card functions provided in the online account linked multifunction card in association with the online account customer ledger. .

Here, the N (N> 1) card ledger information provided in the card ledger basically includes the corresponding card number (not shown) and various card attribute information (not shown), and is associated with the online account. It includes the online account number.

In addition, the storage medium 1045 shown in FIG. 10 is preferably provided in the form of an additional information ledger which is processed in association with the N (N> 1) card ledger information and the online account ledger information. Customer information of the card management information stored in the storage medium 1045 shown in the is implemented in the customer ledger provided in the ledger D / B (1200), the storage medium 1045 is linked to the customer ledger in a relational manner The above description is omitted.

The card management information is associated with the online account ledger corresponding to the online account through the virtual account number in a relational manner, and N (N> 1) card ledger information through the card number 1 included in the card management information. Among the card ledger information (1), characterized in that it comprises a distribution ratio information (1) corresponding to the card number (1), wherein the card number and distribution ratio information to the online account linked multifunction card It is preferable to provide as many as N (N> 1) card functions provided.

FIG. 13 illustrates a structure of ledger information including a storage medium 1045 according to another exemplary embodiment of the present invention.

13 is a detailed view of the embodiment 13, which relates to an implementation method in which the storage medium 1045 shown in FIG. 10 is included in the ledger D / B 1300 shown in FIG. Those skilled in the art will be able to infer various implementation methods for the storage medium 1045 by referring to and / or modifying the drawing x, but the present invention provides all the implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

For example, the storage medium 1045 is not included in the ledger D / B 1300, but may be implemented in a separate database form associated with the ledger D / B 1300, whereby the present invention is limited. It is clear that it is not.

Referring to FIG. 13 according to another exemplary embodiment of the present invention, a ledger configuration including the storage medium 1045 may include a ledger information configuration shown in FIG. 4 and a detailed description of each ledger information configuration. 4 will be referred to, and a detailed description thereof will be omitted.

Referring to FIG. 13, when the online account linking multifunction card is issued through the card issuing system shown in FIG. 10, the online account linking multifunction card is issued to the ledger D / B provided in the DBMS on the financial system. A card ledger including N (N> 1) card ledger information corresponding to N (N> 1) card functions provided in the online account linked multifunction card is provided in association with an online account ledger. .

In addition, the storage medium 1045 shown in FIG. 10 is preferably provided in the form of an additional information ledger which is processed in association with the N (N> 1) card ledger information and the online account ledger information. Customer information of the card management information stored in the storage medium 1045 shown in the is implemented in the customer ledger provided in the ledger D / B (1300), the storage medium 1045 is linked to the customer ledger relationally The above description is omitted.

The card management information is associated with the online account ledger corresponding to the online account through the virtual account number in relational form, and N (N> 1) card ledgers through the card number (1) included in the card management information. Information associated with the card ledger information (1) of the information, characterized in that comprises a distribution ratio information (1) corresponding to the card number (1), wherein the card number and distribution ratio information is the online account linked multifunction card It is preferred that as many as N (N> 1) card functions provided in the.

In more detail, in Figure 14, in the card issuing system shown in Figure 10, a customer fills out a card issuance application through a face-to-face card issuance interface (eg, the card issuance application, employee terminal, and communication network). If the card issuing staff, the card issuing staff input (or select) the card issuing application information corresponding to the card issuing application through the card issuing terminal 1050 and transmits to the card issuing server 1000, the card issuing As a process of issuing an online account interworking multifunction card for issuing the online account interworking multifunction card to the customer based on the card issuing application information in the server 1000, the general knowledge in the technical field to which the present invention belongs. If you have one, refer to and / or modify this drawing 14 to issue the online account linked multifunction card. Would be able to infer a variety of exemplary ways to issue the online account linked multi-function card, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 14.

For example, FIG. 14 illustrates that the card management information is stored in the storage medium 1045 after the online account interworking multifunction card is produced and provided (or shipped) to the customer. Accordingly, the process of storing the card operation information in the storage medium 1045 may be performed before the online account interworking multifunction card is produced or after the online account interworking multifunction card is produced, but before being provided (or shipped) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 14, the card issuing terminal 1050 shown in FIG. 10 is referred to as "terminal" for convenience, and the card issuing server 1000 is referred to as "server" for convenience.

Referring to FIG. 14, a card is issued by a customer through a face-to-face card issuance interface (eg, the card issuance application form and an employee terminal and a communication network) to obtain the online account interworking multifunction card for issuing the online account interworking multifunction card. When an application form (for example, a document having a form for filling in at least one information item for issuing the online account interworking multifunction card) is prepared and submitted to the card issuing staff, the terminal is issued by the card issuing staff. The card issuance application information corresponding to the card issuance application written by the customer is input (or selected) through a user interface (1400), and the card issuance application information is transmitted to the server through the communication network (1405).

In addition, the online account information preferably comprises an account number corresponding to the online account issued through the online account registration system shown in Figure 1, further comprising the account holder information and mother account information according to the intention of those skilled in the art It is preferable to make.

Thereafter, the server receives and reads the card issuing application information from the terminal through the communication network, and the online account for issuing the online account interworking multifunction card to the customer based on the customer information included in the card issuing application information. The card issuance validity for issuing the interworking multifunction card is checked (1410).

According to an embodiment of the present invention, the validity check for issuing the online account interworking multifunction card to the customer is based on a real name verification server (not shown) through a communication network based on the customer name and social security number included in the customer information. It is preferable to include the identification of the real name of the customer in conjunction.

In addition, when the online account interworking multifunction card including a credit card, the validity check for issuing the online account interworking multifunction card to the customer, based on the customer information and the credit rating server through the communication network It is preferable that the connection comprises confirming the credit information of the customer.

If the validity to issue the online account interworking multifunction card to the customer is not authenticated through the card issuing application information (1415), the server provides the card issuing error information to the customer through the card issuing interface. 1420, stop issuing the online account interworking multifunction card to the customer.

On the other hand, if the validity to issue the online account interworking multifunction card to the customer through the card issuing application information is authenticated (1415), the server is an online account interworking multifunction card to issue to the customer based on the card issuing application information Generates (or extracts) N (N> 1) card information corresponding to (1425), and the N (N> 1) card information corresponds to a card number corresponding to the online account linked multifunction card (eg, 16). Digit card number), expiration date information (some may be omitted) and card issuer information (or code).

Herein, the generated N (N> 1) card information includes a file structure operable through a chip operating system (COS) provided in the IC chip.

Thereafter, the server generates an online account interworking multifunction card having the N (N> 1) card information through the card issuing device 1040 and provides (or delivers) the card to the customer (1430).

Here, the card issuing device 1040 preferably includes a device for recording the N (N> 1) card information in a memory provided in the IC chip of the online account interworking multifunction card.

Thereafter, the server provides the customer information and online account information included in the card issuing application information provided from the customer through the card issuing interface, the generated N (N> 1) card information, and distribution ratio information for each card function. Storing the card operation information including at least one of the card storage information in the storage medium 1045 (1435), the storage medium 1045 is included in the ledger corresponding to the online account, or is provided on the online account management system It is preferably provided in the form of a database.

In more detail, in FIG. 15, in the card issuing system shown in FIG. 10, a customer issues the card through a non-face-to-face card issuing interface (eg, a wired terminal or a client terminal and a communication network including at least one wireless terminal). When the card issuing application is connected to the issuing server 1000 and the card issuing application information is input (or selected) and transmitted, the card issuing server 1000 issuing the online account interworking multifunction card for issuing to the customer based on the card issuing application information. As a process of issuing an online account interworking multifunction card, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15 to perform the online account interworking multifunction card issue. Various implementation methods for issuing an account-linked multifunction card may be inferred, but the present invention It includes both embodiments in which the inference method, not limited to the exemplary method shown in the figure 15.

For example, FIG. 15 illustrates that the online account interworking multifunction card is produced and provided (or shipped) to the customer, and then the card operation information is stored in the storage medium 1045. Accordingly, the process of storing the card operation information in the storage medium 1045 may be performed before the online account interworking multifunction card is produced or after the online account interworking multifunction card is produced, but before being provided (or shipped) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 15, the card issuing terminal 1050 shown in FIG. 10 is referred to as a "terminal" for convenience, and the card issuing server 1000 is referred to as a "server" for convenience.

Referring to FIG. 15, the customer accesses the server through a terminal to connect a communication channel for card issuance application, and issues the online account interworking multifunction card for issuing the online account interworking multifunction card through the communication channel. In response to the request (1500), the server generates (or extracts) a user interface for issuing the online account interworking multifunction card and provides the terminal to the terminal through the communication channel (1505).

Thereafter, the terminal receives (or selects) the card issuing application information through the user interface and transmits the input (or selection) of the card issuing application information to the server through the communication channel (1510).

Thereafter, the server receives and reads the card issuing application information from the terminal through the communication network, and the online account for issuing the online account interworking multifunction card to the customer based on the customer information included in the card issuing application information. The card issuance validity for issuing the interlocking multifunction card is verified (1515).

If the validity to issue the online account interworking multifunction card to the customer is not authenticated through the card issuing application information (1520), the server provides card issuing error information to the customer through the card issuing interface. (1525) Stop issuing the online account interworking multifunction card to the customer.

On the other hand, if the validity to issue the online account interworking multifunction card to the customer through the card issuing application information is authenticated (1520), the server is an online account interworking multifunction card to be issued to the customer based on the card issuing application information Generate (or extract) N (N> 1) card information corresponding to (1530), and the N (N> 1) card information corresponds to a card number (eg, 16 digits) corresponding to the online account linked multifunction card. Card number), expiration date information (some may be omitted), and card issuer information (or code).

The card issuer information (or code) preferably includes at least one unique number (or unique code) assigned to the card issuer (or financial company) that issues the online account interworking multifunction card to the customer.

Here, the generated N (N> 1) card information preferably comprises a file structure operable through a COS (Chip Operating System) provided in the IC chip.

Thereafter, the server prepares an online account interworking multifunction card having the N (N> 1) card information through the card issuing device 1040 and provides (or delivers) the card to the customer (1535).

Thereafter, the server provides the customer information and online account information included in the card issuing application information provided from the customer through the card issuing interface, the generated N (N> 1) card information, and distribution ratio information for each card function. Storing card operation information including at least one of the card storage information in the storage medium 1045 (1540), and the storage medium 1045 is included in the ledger corresponding to the online account or is provided on the online account management system. It is preferably provided in the form of a database.

16 is a diagram showing the configuration of an online account linked multifunction card management system according to an embodiment of the present invention.

In more detail, FIG. 16 is a multi-function card issued in association with an online account registered through the online account registration system shown in FIG. 1 through the card issuing system shown in FIG. The amount of the distribution target for the online account linked multifunction card among the balances of the online accounts is checked, and the identified distribution target amount is distributed according to the distribution ratio corresponding to N (N> 1) card functions. Thereafter, the N (N> 1) card usage history included in the online account linkage multifunction card is checked in real time (or periodically), and the value corresponding to the card usage history (for example, mileage or points) is preliminary. If the threshold value is exceeded, the system converts the value into N (N> 1) cards included in the online account linked multifunction card. As for the configuration, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for the configuration of the online account linked multifunction card management system. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 16, the amount of money to be distributed to the online account-linked multifunction card is confirmed among the balances of the online account according to whether the online account is confirmed in real name, and the amount of money to be identified is N (N> 1). After allocating according to the distribution ratio corresponding to the card function, N (N> 1) card usage history included in the online account linked multifunction card is confirmed in real time (or periodically), and the value corresponding to the card usage history At least one means or function for cashing the value and distributing the value to N (N> 1) cards included in the online account linked multifunction card when the mileage, points or the like exceeds a predetermined reference value. A component corresponding to the configuration is referred to as a "card management server 1600" for convenience, but the present invention is not limited thereto, and the card management server 1600 is described in detail. Implemented at least as two or more servers (or devices), or by the arrangement, or to place the bayida apparently it found possible to be provided as a program that is implemented on a server (or device) provided in the financial institution group.

Referring to FIG. 16, the online account linkage multifunction card management system includes an online account management server 1650 for managing the online account until real name verification in the online account registration system shown in FIG. And a financial system including an online account ledger corresponding to an online account registered through the registered online account registration system and a card ledger for an online account linked multifunction card issued in association with the online account. Confirm whether the real name of the online account is confirmed in connection with the online account management server 1650 and the financial system, and a distribution target for the online account linked multifunction card among the balance of the online account according to whether the online account is verified Check the amount, and the identified distribution target amount is N (N> 1) After allocating according to the distribution ratio corresponding to the card function, N (N> 1) card usage history included in the online account linked multifunction card is confirmed in real time (or periodically), and the value corresponding to the card usage history (Eg, mileage, points, etc.) exceeds a predetermined reference value, the card management server 1600 that cashes the value and distributes to N (N> 1) cards included in the online account linked multifunction card It is characterized by comprising.

Here, the detailed description of the online account management server 1650 and the financial system refers to the online account registration system shown in FIG. 1, and the detailed description of the ledger D / B 1655 provided in the financial system is described. Reference will be made to the ledger configuration shown in FIGS. 2, 3, 4, 11, 12, or 13, and detailed description thereof will be omitted herein for convenience.

Referring to FIG. 16, the card management server 1600 checks the online account information associated with the online account linked multifunction card included in the object of use management in association with the storage medium 1645 shown in FIG. 10. Balance checking unit 1625 (or balance checking means) for checking the balance of the confirmed online account in association with the checking unit 1640 (or account checking means) and the online account management server 1650 shown in FIG. ), A real name verification unit 1635 (or real name verification means) for confirming whether the real name of the confirmed online account is confirmed in association with the online account management server 1650, and when the real name of the online account is not confirmed, Identify a portion of the identified online account balance (e.g., an amount corresponding to a certain percentage of the balance, the percentage may include the entire balance as intended by one skilled in the art) When the real name of the online account is not confirmed, a distribution target amount confirmation unit 1630 (or distribution target amount checking means) for checking the entire balance of the checked online account as the distribution target amount, and the storage medium 1645; Confirm the N (N> 1) distribution ratio information corresponding to the N (N> 1) card information to allocate the identified distribution target amount in association with each other, and verify the N (N> 1) distribution ratio information. A distribution amount calculation unit 1615 (or a distribution amount calculating means) for calculating N (N> 1) distribution amount information for allocating the distribution target amount, and the confirmed distribution target amount information with the online account information. And an information storage unit 1620 (or information storage means) for storing the calculated N (N> 1) distribution amount information in association with the N (N> 1) card information. Wherein the allocation amount information is In the online account linked multi-function card operating system that processes payment for the online account linked multi-function card corresponding to the N (N> 1) card information, the N (N> 1) card is used as a used plating amount for N (N> 1) cards. It features.

When the online account linking multifunction card is issued through the card issuing system shown in the card issuing system shown in FIG. 10, the account checking unit 1640 is connected to the storage medium 1645. It is characterized by checking the online account information associated with.

According to the exemplary embodiment of the present invention, the account checking unit 1640 periodically checks the online account information associated with the online account linked multifunction card included in the object of use management in connection with the storage medium 1645. Do.

Alternatively, the account checking unit 1640 may charge (or deposit) a predetermined amount in the online account in connection with the online account management server 1650, or in a predetermined amount in connection with the storage medium 1645 (or It is desirable to verify the online account information deposited.

Alternatively, the account verification unit 1640 is connected to the storage medium 1645 when the amount of the used plating amount for a specific card out of N (N> 1) cards is linked with the online account linked multifunction card operation system. It is preferable to check the online account information associated with the online account linking multifunction card including the card whose amount of the used amount is insufficient.

When the online account information associated with the online account linking multifunction card included in the utilization management object is confirmed by the account checking unit 1640, the balance checking unit 1625 is connected to the online account management server 1650. Characterized in that the balance of the confirmed online account, characterized in that, the real name verification unit 1635 is connected with the online account management server 1650 characterized in that the real name for the confirmed online account is confirmed do.

If the verification result confirms that the real name of the online account is unidentified at the time of checking the balance, the allocation target amount checking unit 1630 may determine a part of the confirmed balance (for example, an amount corresponding to a predetermined ratio of the balance, The predetermined ratio may include the entire balance according to the intention of the person skilled in the art.), Wherein the amount to be distributed to the N (N> 1) cards included in the online account linked multifunction card is identified. The amount not included in the distribution target amount of the online account balance is automatically set to the financial transaction target amount using the online account.

On the other hand, if it is confirmed that the real name of the online account has already been confirmed at the check point of the balance, the distribution target amount confirmation unit 1630 includes the total amount of the confirmed balance in the online account linked multifunction card N (N> 1) the amount of money to be distributed to the card to be identified, wherein the amount of money to be distributed to the N (N> 1) card and the amount to be distributed to the financial transaction using the online account It is preferable to comprise.

When the distribution target amount is confirmed according to the real name verification result of the online account, the distribution amount calculation unit 1615 performs N (N> 1) cards to distribute the identified distribution target amount in association with the storage medium 1645. And N (N> 1) distribution ratio information corresponding to the information.

When N (N> 1) distribution ratio information for allocating the distribution target amount is confirmed, the distribution amount calculation unit 1615 distributes the distribution target amount according to the identified N (N> 1) distribution ratio information. N (N> 1) distribution amount information is calculated.

Here, the sum of the N (N> 1) distribution amounts should be less than or equal to the online account balance, and then the N until the next balance distribution according to the online account linked multifunction card operation and financial transaction through the online account. The sum of the distribution amounts of (N> 1) may be larger than the online account balance.

When the distribution target amount of the online account balance is confirmed by the distribution target amount checking unit 1630, the information storage unit 1620 may link the identified distribution target amount information with the online account information to the storage medium ( 1645, and when N (N> 1) distribution amount information is calculated by the distribution amount calculating unit 1615, the information storage unit 1620 may calculate the calculated N (N> 1). ) Distribution amount information is stored in the storage medium 1645 in association with N (N> 1) card information.

Thereafter, the card management server 1660 on the online account linked multifunction card operating system operating the online account linked multifunction card refers to the storage medium 1645 to distribute the N (N> 1) amount until the next balance distribution point. It is characterized by using as the plating amount of each card, the balance of the N (N> 1) amount distributed according to the use of the N (N> 1) cards changed (or reduced) until the next distribution point It is preferable to be.

Referring to FIG. 16, the card management server 1600 is connected to a card management server 1660 on the online account linked multifunction card operating system to N (N> 1) cards included in the online account linked multifunction card. A value checking unit 1605 (or value checking means) that checks N (N> 1) values stored in N (N> 1) cards based on the N (N> 1) card usage history; When the value accumulated in the N (N> 1) card is confirmed, n (n <= N, in which a value exceeding a predetermined reference value is accumulated among the values accumulated in the identified N (N> 1) cards n> = 1) card information (hereinafter referred to as "n (n <= N, n> = 1) value distribution target card information") and n (n <= N, n> = And an information checking unit 1610 (or information checking means) for checking the value information.

Referring to FIG. 16, the card management server 1600 corresponds to n (n <n) corresponding to n (n <= N, n> = 1) value distribution target card information in which a value exceeding the set reference value is accumulated. = N, n> = 1) characterized in that it comprises a distribution target amount confirmation unit 1630 for cashing and summing the value to confirm the distribution target amount.

The value verification unit 1605 is connected to the card management server 1660 on the online account linked multifunction card operating system N (N> 1) for N (N> 1) cards included in the online account linked multifunction card. Check the card usage history, and based on the confirmed N (N> 1) card usage history to check the value of N (N> 1) accumulated in the N (N> 1) card It is done.

When the value accumulated in the N (N> 1) cards is confirmed by the value checking unit 1605, the information checking unit 1610 may check the value accumulated in the identified N (N> 1) cards. N (n <= N, n> = 1) values of the value allocation target card information exceeding a preset reference value, and n (n <== accumulated in the n (n <= N, n> = 1) cards) N, n> = 1) pieces of value information.

If the value confirming unit 1605 confirms the n (n <= N, n> = 1) value distribution target card information and n (n <= N, n> = 1) pieces of value information, the distribution The target amount confirming unit 1630 is n (n <= N, n> = corresponding to n (n <= N, n> = 1) value distribution target card information in which a value exceeding the set reference value is accumulated). Characterize the value of 1), characterized in that the sum of the cashed amount is confirmed as the value of the value distribution.

According to another exemplary embodiment of the present invention, the distribution target amount confirmation unit 1630 sums n (n <= N, n> = 1) values exceeding the set reference value, and then adds the summed values. It is possible to confirm the amount of money to be distributed by cash, thereby the present invention is not limited.

Referring to FIG. 16, the card management server 1600 corresponds to N (N> 1) card information for distributing the identified value distribution target amount in association with the storage medium 1645. A distribution ratio calculating unit for checking the distribution ratio information and calculating N (N> 1) value distribution amount information for allocating the value distribution target amount according to the identified N (N> 1) distribution ratio information ( 1615) (or distribution amount calculation means) and an information storage unit for storing distribution amount information including the calculated N (N> 1) value distribution amount information in association with N (N> 1) card information (s) 1620) (or information storage means), wherein the value distribution amount information is online to process payment for an online account linked multifunction card corresponding to the N (N> 1) card information. N (N> 1) number in account linkage multifunction card operation system Characterized in that used as a plating solution for the card.

When the value to be distributed is determined to be distributed to the n (n <= N, n> = 1) value distribution target cards according to the real name verification result of the online account, the distribution amount calculation unit 1615 calculates the storage medium. In connection with 1645, N (N> 1) distribution ratio information corresponding to N (N> 1) card information to be distributed is identified.

Alternatively, the distribution amount calculator 1615 may correspond to the n (n <= N, n> = 1) card information to distribute the identified distribution target amount in association with the storage medium 1645. and n (n <= N, n> = 1) distribution ratio information.

When N (N> 1) distribution ratio information for allocating the value distribution target amount is confirmed, the distribution amount calculation unit 1615 determines the value distribution target amount according to the identified N (N> 1) distribution ratio information. It is characterized in that for calculating the N (N> 1) value distribution amount information.

When N (N> 1) value distribution amount information is calculated by the distribution amount calculating unit 1615, the information storage unit 1620 includes the calculated N (N> 1) value distribution amount information. Distribution amount information is stored in the storage medium 1645 in association with N (N> 1) pieces of card information.

Here, the sum of the N (N> 1) value distribution amounts coincides with the sum of the sum accumulated by cashing the values accumulated in the n (n <= N, n> = 1) value allocation target cards. desirable.

Thereafter, the card management server 1660 on the online account linked multifunction card operating system operating the online account linked multifunction card may refer to the storage medium 1645 to distribute the N (N> 1) distribution amounts until the next time of distribution. It is characterized in that it is used as the plating solution of each card, it is preferable to be changed (or reduced) until the next distribution point according to the use of the N (N> 1) cards.

In more detail, in FIG. 17, in the online account linkage multifunction card management system shown in FIG. 16, the amount of money to be distributed to the online account linkage multifunction card of the balance of the online account is determined according to whether the online account is verified. By allocating the identified distribution target amount according to a distribution ratio corresponding to N (N> 1) card functions, the utilization amount for N (N> 1) card functions included in the online account linked multifunction card In the process of setting the present invention, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 17 to infer various implementation methods for the online account linked multifunction card management method. However, the present invention includes all the implementation methods inferred from the above, and only the implementation method shown in FIG. The technical features are not limited.

Hereinafter, in FIG. 17, the card management server 1600 on the online account linked multifunction card management system shown in FIG.

Referring to FIG. 17, after the online account linking multifunction card is issued through the card issuing system shown in the card issuing system shown in FIG. 10, the server is linked with the storage medium 1645 to the online account linking multifunction. Check the online account information associated with the multi-function card linked to the online management target utilization of the card (1700).

According to an embodiment of the present invention, the server preferably checks the online account information associated with the online account linked multifunction card included in the utilization management target periodically in association with the storage medium 1645.

Alternatively, the server may be connected to the online account management server 1650 when the predetermined amount is charged (or deposited) in the online account, and the online account in which the predetermined amount is charged (or deposited) in association with the storage medium 1645. It is desirable to verify the information.

Alternatively, when the server lacks a used amount of payment for a specific card of N (N> 1) cards in connection with the online account linked multifunction card operation system, the used amount of the used amount is insufficient in connection with the storage medium 1645. It is preferable to check the online account information associated with the online account linking multifunction card including the card.

If the utilization management target online account information is confirmed (1705), the server is linked with the online account management server 1650 on the online account registration system shown in Figure 1, the balance corresponding to the confirmed online account information Check (1710).

If the balance corresponding to the online account information is confirmed (1715), the server checks whether the real name of the online account corresponding to the confirmed online account information is confirmed in operation 1720 in connection with the online account management server 1650. ).

If the verification result confirms that the real name of the online account is unidentified at the time of checking the balance (1725), the server determines a part of the confirmed balance (for example, an amount corresponding to a certain percentage of the balance, May include the entire balance according to the intention of the present invention) as an amount to be distributed to the N (N> 1) card included in the online account linked multifunction card (1730), wherein the balance of the online account balance The amount not included in the distribution target amount is preferably automatically set to the financial transaction target amount using the online account.

On the other hand, if the verification result confirms that the real name of the online account has already been confirmed at the time of checking the balance (1725), the server stores the total amount of the confirmed balance in the online account linked multifunction card N (N> 1 (1735), wherein the amount to be distributed includes the amount to be distributed to the N (N> 1) card and the amount to be distributed to the financial transaction using the online account. Do.

When the distribution target amount is confirmed as described above, the server stores the identified distribution target amount information in the storage medium 1645 in association with the online account information (1740).

Thereafter, the server checks distribution ratio information of N (N> 1) corresponding to N (N> 1) card information to allocate the identified distribution target amount in association with the storage medium 1645 (1745). In operation 1750, distribution amount information of N (N> 1) for allocating the distribution target amount is calculated according to the confirmed distribution ratio information of N (N> 1).

Here, the sum of the distribution amount of N (N> 1) should be less than or equal to the balance of the online account, and thereafter, the balance until the next balance allocation according to the online account linked multifunction card operation and financial transactions through the online account. The sum of the distribution amounts of (N> 1) may be larger than the online account balance.

Thereafter, the server stores the calculated distribution amount information of N (N> 1) in the storage medium 1645 in association with card information of N (N> 1) (1755), and the online account linked multifunction card. The card management server 1660 on the online account-linked multifunction card operating system that manages the system stores the distribution amount of N (N> 1) as the used plating amount of each card until the next balance distribution point with reference to the storage medium 1645. It is characterized in that the use, the balance of the N (N> 1) of the amount distributed according to the use of the N (N> 1) card is preferably changed (or reduced) until the next distribution point.

In more detail, FIG. 18 illustrates the N (N) included in the online account linked multifunction card in connection with the card management server 1660 on the online account linked multifunction card operating system in the online account linked multifunction card management system shown in FIG. When N> 1) card usage history corresponding to N> 1) card functions is checked, and a value (for example, mileage or points) corresponding to the card usage history exceeds a preset reference value, The process of distributing the value into cash and distributing it to N (N> 1) cards included in the online account linked multifunction card. If the person of ordinary skill in the art belongs to the present invention, refer to FIG. And / or may be modified to infer various implementation methods for the online account linkage multifunction card management method, but the present invention provides a Is made, including a method, to which the technical feature that is not limited to the exemplary method shown in the figure 18.

Hereinafter, in FIG. 18, the card management server 1600 on the online account linkage multifunction card management system shown in FIG. 16 is referred to as " server " for convenience.

Referring to FIG. 18, the server checks N (N> 1) card usage information for N (N> 1) card information in association with the card operation server 1660 (1800). When (N> 1) card usage history is confirmed (1805), the server reads the identified N (N> 1) card usage history and stores N (N> 1) cards in N (N> 1) cards. Verify the value of> 1) (1810).

If it is confirmed that the value accumulated in the N (N> 1) cards is confirmed (1815), the server may exceed n (N> 1) of the value accumulated in the N (N> 1) cards. In operation 1820, n <= N, n> = 1) pieces of value information and n (n <= N, n> = 1) pieces of value distribution target card information corresponding to the value information are identified.

If n (n <= N, n> = 1) values of the value distribution target card information and n (n <= N, n> = 1) pieces of value information are confirmed (1825), the server returns n ( n (n <= N, n> = 1) values corresponding to n <= N, n> = 1) value allocation card information are cashed, and the sums of the cashed amounts are confirmed as the value to be distributed. (1830).

If the value of the value allocation target value is confirmed as a result of the checking (1835), the server corresponds to N (N> 1) card information of N (N> 1) to distribute the identified value distribution target amount in association with the storage medium 1645. Check the distribution ratio information of (N> 1) (1840), and value distribution amount information of N (N> 1) for allocating the value to be distributed according to the identified distribution ratio information of N (N> 1). Compute (1845).

Thereafter, the server stores distribution amount information including the calculated value distribution amount information of N (N> 1) in the storage medium 1645 in association with card information of N (N> 1) (1850). .

According to the present invention, an online account link card is provided with N (N> 1) card functions, and the balance of the online account is distributed according to whether or not the real name of the online account is verified as the used amount of the online account link card. By setting, there is an advantage of conveniently providing a plurality of additional services through one online account link card.

According to the present invention, the value of using N (N> 1) cards provided in the online account link card is accumulated, and the accumulated value is cashed and summed and distributed to the N (N> 1) card. There is an advantage of improving the convenience of the online account linked multi-function card.

Claims

In the value management method accumulated in the online account linked multi-function card having N (N> 1) cards for allocating the online account balance (or deposit) according to the N (N> 1) distribution ratio, Checking the value accumulated in the N (N> 1) card by periodically checking the N (N> 1) card usage history corresponding to the N (N> 1) card provided in the online account linked card Checking information (n <= N, n> = 1) value distribution target card information exceeding a predetermined size among the identified values of N (N> 1) in the information checking means; Confirming the amount of money to be distributed by cashing and summing n (n <= N, n> = 1) values corresponding to the value distribution target card information in the amount confirmation means; And calculating N (N> 1) value distribution amount information for allocating the value distribution target amount according to the N (N> 1) distribution ratio information in a distribution amount calculating means. How to manage the value earned on an online account linked multifunction card.

A recording medium comprising a program for executing the method of claim 1.

A value management system accumulated in an online account linked multifunction card having N (N> 1) cards for allocating an online account balance (or deposit) according to N (N> 1) distribution ratios. Value checking means for periodically checking the N (N> 1) card usage history corresponding to the N (N> 1) cards provided in the card to check the value accumulated in the N (N> 1) cards; Information checking means for confirming n (n <= N, n> = 1) value distribution target card information exceeding a predetermined size among the identified N (N> 1) values; Distribution target amount confirming means for cashing and summing corresponding values of n (n <= N, n> = 1) to confirm the amount to be distributed; And distribution amount calculating means for calculating N (N> 1) value distribution amount information for allocating the value distribution target amount according to the N (N> 1) distribution ratio information. Value management system accumulated on account linked multifunction cards.

A value management system accumulated in an online account linked multifunction card having N (N> 1) cards for allocating an online account balance (or deposit) according to N (N> 1) distribution ratios. Value checking means for periodically checking the N (N> 1) card usage history corresponding to the N (N> 1) cards provided in the card to check the value accumulated in the N (N> 1) cards; Information checking means for confirming n (n <= N, n> = 1) value distribution target card information exceeding a predetermined size among the identified N (N> 1) values; Distribution target amount confirming means for cashing and summing corresponding values of n (n <= N, n> = 1) to confirm the amount to be distributed; And calculating N (N> 1) value-distribution amount information for distributing the amount of value-distribution target amount according to excess n (n <= N, n> = 1) number of distribution ratio information included in the value-distribution object. A value management system accumulated in the online account linked multi-function card, characterized in that it comprises a; distribution amount calculation means.