KR20090096589A - Method for Processing Settlement Advertisement Expenditure - Google Patents

Abstract

A method for calculating and paying advertisement expenditure is provided to perform a calculation process of advertisement costs by using a virtual account, thereby improving convenience of the advertisement calculation. An advertisement exposure confirming unit(750) checks whether an advertisement of an advertiser is exposed to a banking customer connected through internet banking or whether an event is generated due to the advertisement exposure. If the advertisement of the advertiser is exposed or the event is generated due to the advertisement exposure, a transfer processing unit(760) transfers so that advertisement money deposited in advance according to relation between a virtual account and a mother account of the advertiser is paid through the mother account. An incentive providing unit(770) provides an internet banking related incentive corresponding to the advertisement exposure or the event generation to an advertisement exposure customer or an event generation customer.

Description

Method for Processing Settlement Advertisement Expenditure}

1 illustrates a configuration of an advertisement cost settlement processing system for processing advertisement revenue settlement according to an embodiment of the present invention.

2 is a diagram illustrating an information registration system for processing advertising revenue settlement according to an embodiment of the present invention.

3 is a diagram illustrating an information registration process for advertising revenue settlement process according to an embodiment of the present invention.

4 is a diagram illustrating a system for establishing a virtual account for the advertisement revenue settlement process according to another embodiment of the present invention.

5 is a diagram showing the configuration of a virtual account ledger for the advertising revenue settlement process according to another embodiment of the present invention.

6 is a diagram illustrating a process of opening a virtual account for the advertisement revenue settlement process according to another embodiment of the present invention.

7 is a diagram illustrating a configuration of an internet banking system for processing advertising revenue settlement according to an embodiment of the present invention.

8A and 8B illustrate a process of performing an advertisement revenue settlement process according to an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: virtual account opening server

110: Internet banking server 750: advertising exposure confirmation unit

755: information storage unit 760: transfer processing unit

770: incentive provider 780: storage medium

The present invention comprises the steps of opening a virtual account for each advertiser having a bank account as a parent account to the advertiser who wants to expose the advertisement through the customer's Internet banking screen in the virtual account opening means, and through the opened virtual account in the advertising fee deposit means; Pre-depositing the advertisement cost of the advertiser to a parent account of a virtual account, and checking whether an advertisement of the advertiser is exposed to a banking customer connected through internet banking or an event due to the advertisement exposure in an advertisement exposure checking means; And when it is confirmed that the advertisement of the advertiser is exposed or an event due to the advertisement exposure occurs, the transfer processing means is configured to process the pre-deposited advertisement fee according to the mother account relationship of the advertiser to be settled to the mother account. And in the incentive providing means, the ad impression client or the The present invention relates to an advertisement cost settlement processing method comprising providing an incentive related to internet banking corresponding to an advertisement exposure or an event occurrence to a vent generating customer.

Currently, the advertising industry is rapidly increasing in size and type, and various advertising cost settlement methods are emerging as well as various advertisement providing methods.

However, the method of calculating the advertising costs so far is still complicated and inconvenient, such as having to find and settle the counter directly using a real account or go through a complicated authentication process of Internet banking.

An object of the present invention for solving the above problems is to open a virtual account for each advertiser using a bank account as the mother account to the advertiser who wants to expose the advertisement through the customer's Internet banking screen in the virtual account opening means, and in the advertising cost deposit means Pre-depositing the advertisement cost of the advertiser to the parent account of the virtual account through the opened virtual account, and the advertisement exposure confirming means is exposed to a banking customer connected to the banking customer through internet banking or through the advertisement exposure. Determining whether an event occurs due to the advertisement, and when the advertisement of the advertiser is exposed or an event occurs due to the advertisement exposure, the pre-deposited advertisement fee according to the virtual account of the advertiser and the parent account in the transfer processing means. Processing and incentives to ensure payment is settled to the parent account Providing an advertising cost settlement processing method comprising the step of providing an Internet banking-related incentive corresponding to the advertisement exposure or event generation to the advertisement exposure customer or event generating customer in the means.

In accordance with an embodiment of the present invention, an advertisement cost settlement processing method includes: opening a virtual account for each advertiser having a bank account as a parent account to an advertiser who wants to expose an advertisement through a customer's Internet banking screen in the virtual account opening means, and in the advertisement cost depositing means. Pre-depositing the advertisement cost of the advertiser to the parent account of the virtual account through an opened virtual account, and the advertisement exposure confirming means is exposed to a banking customer connected through internet banking or due to the advertisement exposure. Checking whether an event occurs, and when the advertisement of the advertiser is exposed or the event due to the advertisement exposure is confirmed, the pre-deposited advertisement fee is transferred according to the virtual account of the advertiser in a transfer processing means. Processing to be settled to the parent account and providing incentives It characterized in that comprises to the impression a customer or customer event the step of providing a banking incentives corresponding to the advertisement exposure or event occurs.

According to the present invention, the incentive may provide incentives to lower the loan interest rate of the customer or to increase the deposit / accounting rate, or to exempt (or reduce) various fees for the advertisement exposure to the advertisement exposure customer or the event occurrence customer. It is characterized by providing).

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

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

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

1 is a block diagram of an advertisement cost settlement processing system for advertisement revenue settlement process according to an embodiment of the present invention.

In more detail, Figure 1 relates to an advertising cost settlement processing system configured to process settlement with a customer and an advertiser when an advertisement revenue is generated using a predetermined advertisement in a predetermined financial institution, which is common in the art. Those skilled in the art will be able to deduce various implementation methods for the advertisement cost settlement processing system configuration for the advertisement revenue settlement process by referring to or modifying the advertisement expense settlement processing system configuration shown in FIG. It is characterized by including all the implementation method inferred, and is not limited to the advertising cost settlement processing system configuration shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, if the advertisement cost settlement processing system provides predetermined advertisement information in a predetermined advertiser terminal, the advertisement information provided from the advertiser terminal is linked to a predetermined storage medium. And a virtual account opening server 105 for opening a virtual account having a parent account as a bank account opened under the name of a financial institution that provides the advertisement based on the registered advertisement information. When a predetermined customer accesses the Internet banking server 110 for internet banking through a customer terminal and uses internet banking, the advertisement revenue is generated by providing an advertisement registered by the advertiser to the customer terminal. Internet banking server 110 for settlement with the advertiser, and the financial city when the parent account of the virtual account for depositing the advertising costs of the advertiser is opened It characterized in that the system comprises at least one.

The information registration server 100, if a predetermined advertiser terminal accesses a server on the information registration system through a predetermined network means and provides advertisement information for the advertisement revenue settlement process, the server provided from the advertiser terminal in the server It characterized in that the advertisement information is stored in a linkage processing on the storage medium provided on the information registration system, the preferred method for the information registration system including the information registration server 100 will be described in detail with reference to FIG. do.

When the virtual account opening server 105 registers predetermined advertisement information with the information registration server 100, the information registration server 100 establishes at least one non-face-to-face financial transaction channel based on the registered advertisement information. When a request is made to open a virtual account for an advertisement revenue settlement process through a virtual account opening interface including a virtual account, the virtual account is opened using a bank account opened under the name of a financial institution providing the advertisement. A preferred embodiment of the virtual account opening system including the account opening server 105 will be described in detail with reference to FIG.

The Internet banking server 110, when a predetermined customer is connected to the Internet banking server 110 for Internet banking through a predetermined customer terminal for a predetermined financial transaction and using the Internet banking, the advertiser to the customer terminal When advertising revenue is generated by providing the registered advertisement, the advertisement revenue is settled with the customer and the advertiser, characterized in that the preferred embodiment for the Internet banking system including the Internet banking server 110 is shown in FIG. It demonstrates in detail.

The financial system stores and operates the ledger information corresponding to the parent account of the virtual account in which the advertiser deposits an advertisement fee, and the credit or reception or trust or foreign exchange generated in at least one or more branches (or counters). An accounting system that processes the window service, an information system that processes the headquarters business, stores information support and customer information management, and an interconnection between the financial system and at least one other financial system (or payment system), or at least one or more Access to the financial system from at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) provided in an external communication network, or at least one common network (e.g., To provide a variety of financial transaction interfaces through The financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and performs each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing predetermined information (for example, ledger information, customer information, or management information, etc.) required for the purpose.

In FIG. 1, the advertisement cost settlement processing system is illustrated and described as an information registration server 100, a virtual account opening server 105, and an internet banking server 110, but the present invention is not limited thereto. The advertisement cost settlement processing system may consist of one server (or device), or may consist of at least two or more servers (or devices). It is clear that the server may be implemented in the form of.

2 is a diagram illustrating an information registration system for processing advertising revenue according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when a predetermined advertiser terminal accesses a server on an information registration system and provides advertisement information for the advertisement revenue settlement process, the advertisement information provided from the advertiser terminal in the server. The configuration of the information registration system for storing the information in conjunction with the storage medium 220 provided on the information registration system, if one of ordinary skill in the art to which the present invention belongs, reference or modification Various implementation methods for the information registration system configuration for the advertisement revenue settlement process may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, the components corresponding to at least one or more means or functional configuration for storing the advertisement information provided from the advertiser terminal on the storage medium 220 on the information registration system shown in FIG. 100) ".

Referring to FIG. 2 according to an embodiment of the present invention, an information registration system for advertisement revenue settlement processing according to the present invention includes at least one advertiser terminal connected to a predetermined network means, and advertisement information transmitted from the advertiser terminal. A storage medium 220 for cooperatively processing the storage medium, and the advertiser terminal connected to the advertiser terminal through a predetermined network means, and receiving and storing advertisement information transmitted through the network means in association with the storage medium 220 for storage. Characterized in that it comprises an information registration server 100.

The advertiser terminal registers the information through a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). A mobile terminal including at least one wired terminal including a desktop computer or a notebook computer connected to the server 100 or a code division multiple access (CDMA) based mobile communication network (or HSDPA based high speed downlink packet access) A wireless terminal including at least one mobile communication terminal connected to a communication network), a portable Internet terminal connected to an IEEE 802.16x based high-speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. Characterized in that it comprises one or more, the advertiser terminal in the information registration server 100 A function configuration (eg, a browser program and a communication function) for outputting at least one or more interface screens and for inputting or selecting at least one or more information through the interface screens to be transmitted to the information registration server 100 is provided. It is desirable to have.

Those skilled in the art to which the present invention pertains will be able to easily infer the features of the advertiser terminal corresponding to at least one or more wired terminals or wireless terminals, a detailed description thereof will be omitted for convenience.

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

The storage medium 220 provided on the information registration system according to the present invention is characterized in that the advertisement information transmitted from the advertiser terminal is stored in association with the advertisement information, the advertiser information, the advertisement data information and the deposit information It is preferable to include at least one.

The advertiser information includes personal information of the advertiser registering the advertisement information (for example, the name, social security number, address, telephone number, mobile phone number, email address, etc. of the advertiser), and company information (for example, the advertising company) of the advertiser to which the advertiser belongs. Name, business number, corporation number, advertising company's homepage address, advertising company's telephone number, advertising company's address, advertising company's e-mail address, etc., the advertiser's member information (e.g. At least one member ID / PW information, a CIF (Customer Information File) number, etc. generated in correspondence with the customer by signing up as a financial transaction customer of the linked financial institution is preferably included.

The advertisement data information includes advertisement contents for providing an advertisement to a predetermined customer by the advertiser, and includes image file information such as bmp, jpg, png, gif, mov, avi, wma, mpeg, At least one of video file information such as mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav is preferably included.

According to an exemplary embodiment of the present invention, the advertisement data information may include link information (eg, an image or video advertisement, etc.) for a customer who has received the advertisement data to access a product corresponding to the advertisement. Information including a hyperlink for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The deposit information is information about the amount of money deposited in advance to the financial institution associated with the information registration server 100 in order to pay the advertisement fee for the advertisement provided when the advertisement provided by the advertiser is provided, the advertiser pays It is preferable to include at least one or more amounts to be said.

According to an embodiment of the present invention, the information registration server 100 connects and manages a predetermined communication channel with the advertiser terminal through the network means in order to provide a web interface corresponding to the advertiser terminal and the network means. Characterized in that it comprises an interface unit, whereby the information registration server 100 has a function of a web server that is connected to the communication through the advertiser terminal and a wired or wireless communication network.

According to an embodiment of the present invention, when the advertiser terminal is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 200 is connected to the advertiser terminal with a Hyper-Text Transfer Protocol (HTTP). A predetermined communication channel is connected based on a protocol, and an interface screen or an information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the advertiser terminal through the communication channel, and is output. It is preferable to perform a function of receiving and processing predetermined advertisement information input (or selected) through an interface screen.

According to another exemplary embodiment of the present invention, when the advertiser terminal is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 200 may connect to the advertiser terminal with a WAP (Wireless Application Protocol) or ME ( Connect a predetermined communication channel based on the Mobile Explorer protocol, and transmit and output an interface screen or an information providing screen in the form of a WML (Wireless Markup Language) or HTML compatible document to the advertiser terminal through the communication channel, and output the It is preferable to perform a function of receiving and processing predetermined advertisement information corresponding to the interface screen from a terminal.

According to another exemplary embodiment of the present invention, when the advertiser terminal is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 200 may comply with the advertiser terminal and the IEEE 802.16x standard. A predetermined communication channel is connected based on a corresponding wireless protocol, and a predetermined interface screen or an information providing screen is transmitted to the advertiser terminal through the communication channel and outputted, and the predetermined terminal corresponding to the interface screen from the advertiser terminal is output. It is preferable to perform a function of receiving and processing advertisement information, or when the advertiser terminal is a wireless terminal connected to a communication channel through an IEEE 802.11x-based wireless communication network, the interface unit 200 and the advertiser terminal and the Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard And transmitting and outputting a predetermined interface screen or an information providing screen to the advertiser terminal through the communication channel, and receiving and processing predetermined advertisement information corresponding to the interface screen from the advertiser terminal. .

Referring to FIG. 2, when the predetermined advertiser terminal accesses the information registration server 100 through the interface unit 200, the information registration server 100 interworks with the interface unit 200. An interface providing unit 205 for generating (or extracting) and providing a predetermined interface screen for inputting (or selecting) and transmitting predetermined advertisement information from the advertiser terminal in conjunction with the interface unit 200. And an information receiver 210 for receiving advertisement information inputted (or selected) through an interface screen and an information storage unit 215 for storing the received advertisement information in association with the storage medium 220. Characterized in that made.

The interface providing unit 205 has a function configuration (eg, a browser program provided in the advertiser terminal) provided in the advertiser terminal when a predetermined advertiser terminal is connected to the information registration server 100 through the interface unit 200. Generate a predetermined interface screen that can input (or select) predetermined advertisement information and transmit the predetermined advertisement information to the information registration server 100 through the network means, or extract it from a predetermined database (not shown). In addition, the interface screen 200 is provided with the generated (or extracted) interface screen to the advertiser terminal through the network means.

Thereafter, the advertiser terminal inputs (or selects) predetermined advertisement information based on the interface screen, and when it is confirmed that the advertisement information is input (or selected), the advertiser terminal receives the input through the network means ( Or the selected advertisement information is transmitted to the information registration server 100.

Those skilled in the art to which the present invention pertains, the technical feature of the advertiser terminal to input (or select) the advertisement information through at least one form (Form) included in the interface screen, and Since the technical features of transmitting the input (or selected) advertisement information to the information registration server 100 through a communication protocol provided by the network means, the detailed description thereof will be omitted for convenience.

The information receiver 210 receives (or selects) predetermined advertisement information through the interface screen from the advertiser terminal and transmits the advertisement information through the network means to receive the advertisement information in cooperation with the interface unit 200. The received advertisement information is provided to the information storage unit 215.

The information storage unit 215 processes the advertisement information received through the information receiving unit 210 and stores the information in the storage medium 220. The advertisement information includes advertisement information and advertisement data information. It is preferable to include at least one deposit information.

The advertiser information includes personal information of the advertiser registering the advertisement information (for example, the name, social security number, address, telephone number, mobile phone number, email address, etc. of the advertiser), and company information (for example, the advertising company) of the advertiser to which the advertiser belongs. Name, business number, corporation number, advertising company's homepage address, advertising company's phone number, advertising company's address, advertising company's email address, etc., the advertiser's member information (e.g., the advertiser associates with the information registration system) It is preferable to include at least one or more member ID / PW information, CIF (Customer Information File), etc. generated in response to the customer by joining the financial transaction customer of the financial institution.

The advertisement data information includes advertisement contents for providing an advertisement to a predetermined customer by the advertiser, and includes image file information such as bmp, jpg, png, gif, mov, avi, wma, mpeg, At least one of video file information such as mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav is preferably included.

According to an exemplary embodiment of the present invention, the advertisement data information may include link information (eg, an image or video advertisement, etc.) for a customer who has received the advertisement data to access a product corresponding to the advertisement. Information including a hyperlink for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The deposit information is information about the amount of money deposited in advance to the financial institution associated with the information registration server 100 in order to pay the advertisement fee for the advertisement provided when the advertisement provided by the advertiser is provided, the advertiser pays It is preferable to include at least one or more amounts to be said.

3 is a diagram illustrating an information registration process for advertising revenue settlement process according to an embodiment of the present invention.

In more detail, FIG. 3 shows the information registration server when an advertiser terminal on the information registration system shown in FIG. 2 transmits advertisement information for an advertisement revenue settlement process to the information registration server 100 through a predetermined network means. The process of linking the advertisement information at 100 and storing it in the storage medium 220, and those skilled in the art to which the present invention pertains, refer to or modify this figure 3 to settle the advertisement revenue. Various implementation methods for the information registration process for processing 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. 3, the information registration server 100 on the information registration system shown in FIG. 2 is referred to as "server" for convenience, and the advertiser terminal on the information registration system shown in FIG. 2 is referred to as "terminal" for convenience.

Referring to FIG. 3, the terminal on the information registration system shown in FIG. 2 accesses the server through the network means and connects a communication channel for advertisement revenue settlement processing (300).

According to the exemplary embodiment of the present invention, the communication channel connection process may further include at least one process of logging in to the server from the terminal, or registering to the server from the terminal. In the customer information corresponding to the terminal is extracted (or obtained).

In the technical field to which the present invention pertains, the terminal connects to the server according to a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means and processes the advertisement revenue. Since it will be familiar with the technical features for connecting the communication channel for, a detailed description thereof will be omitted for convenience.

When the communication channel for the advertisement revenue settlement process is connected between the terminal and the server as described above, the terminal requests the interface screen for the advertisement revenue settlement process to the server through the communication channel (305), and correspondingly The server generates (or extracts) an interface screen including a user interface for inputting (or selecting) the advertisement information in the terminal (310), and generates the generated (or extracted) interface screen through the communication channel. The terminal transmits the data to the terminal (315).

Thereafter, the terminal processes 320 to input (or select) the advertisement information through the user interface included in the interface screen for inputting (or selecting) the advertisement information.

If the advertisement information is input (or selected) at the terminal (325), the terminal transmits the advertisement information to the server through the communication channel (330), and correspondingly, the server transmits the received advertisement information. In step 335, the data is stored in the storage medium 220 illustrated in FIG. 2.

Preferably, the advertisement information includes at least one advertiser information, advertisement data information, and deposit information.

The advertiser information includes personal information of the advertiser registering the advertisement information (for example, the name, social security number, address, telephone number, mobile phone number, email address, etc. of the advertiser), and company information (for example, the advertising company) of the advertiser to which the advertiser belongs. Name, business number, corporation number, advertising company's homepage address, advertising company's phone number, advertising company's address, advertising company's email address, etc., the advertiser's member information (e.g., the advertiser associates with the information registration system) It is preferable to include at least one or more member ID / PW information, CIF (Customer Information File), etc. generated in response to the customer by joining the financial transaction customer of the financial institution.

The advertisement data information includes advertisement contents for providing an advertisement to a predetermined customer by the advertiser, and includes image file information such as bmp, jpg, png, gif, mov, avi, wma, mpeg, At least one of video file information such as mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav is preferably included.

According to an exemplary embodiment of the present invention, the advertisement data information may include link information (eg, an image or video advertisement, etc.) for a customer who has received the advertisement data to access a product corresponding to the advertisement. Information including a hyperlink for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

The deposit information is information about the amount of money deposited in advance to the financial institution associated with the information registration server 100 in order to pay the advertisement fee for the advertisement provided when the advertisement provided by the advertiser is provided, the advertiser pays It is preferable to include at least one or more amounts to be said.

4 is a diagram illustrating a system for establishing a virtual account for the advertisement revenue settlement process according to another embodiment of the present invention.

In more detail, in FIG. 4, when the advertiser illustrated in FIG. 2 registers predetermined advertisement information with the information registration server 100 illustrated in FIG. 2, the information registration server 100 displays the registered advertisement information. When a request is made to open a virtual account for processing advertising revenue through a virtual account opening interface including at least one or more non-face-to-face financial transaction channels, a bank opened under a predetermined financial institution name in the virtual account opening system according to the present invention. As a system configuration for opening a virtual account using the account as a mother account, specifically, the information registration server 100 through a predetermined opening request terminal corresponding to the non-face-to-face financial transaction channel based on the advertisement information registered from the advertiser When the predetermined virtual account opening application information is provided using the virtual account opening interface according to the present invention, the present invention According to the virtual account opening system according to the virtual account opening application information based on the application information registered by the advertiser in the name of a financial institution that provides a bank account opened in the name of the financial institution that provides the advertisement registered by the mother account for the implementation method will be.

Those skilled in the art to which the present invention pertains may refer to or modify the drawing 4 to infer various implementation methods for the construction of a virtual account opening system for the advertisement revenue settlement process. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, based on the virtual account opening application information provided from the information registration server 100 through a predetermined virtual account opening interface on the virtual account opening system shown in FIG. At least one means for opening a virtual account or a component corresponding to a functional configuration is referred to as " virtual account opening server 105 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the virtual account opening system for the advertisement revenue settlement process includes a predetermined information registration server when the virtual account opening system supports a non-face-to-face virtual account opening. And an opening request terminal for inputting (or selecting) predetermined virtual account opening application information to the virtual account opening server 105, wherein the opening request terminal includes a predetermined network means. A communication channel is connected to the virtual account opening server 105 provided on the virtual account opening system.

According to an embodiment of the present invention, when the virtual account opening system supports a non-face-to-face virtual account opening, the information registration server 100 is connected to a wired terminal connected to a predetermined wired network or a predetermined wireless communication network. Access to the virtual account opening server 105 through at least one client terminal of a wireless terminal, and establish a virtual account for the advertising revenue settlement process through at least one user interface provided by the virtual account opening server 105 When the application information is input (or selected), it is preferable to transmit from the client terminal to the virtual account opening server 105 provided on the virtual account opening system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or No connection to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the client terminal outputs at least one or more user interfaces provided by the virtual account opening server 105, and inputs or selects at least one or more information through the user interface to the virtual account opening server 105. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the virtual account opening server 105, etc.) is provided.

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

In the virtual account opening system as described above, at least one client terminal including at least one wired terminal or a wireless terminal used by the information registration server 100 and at least one of connecting the client terminal and the virtual account opening server 105. One or more wired networks or wireless networks perform a function of a virtual account opening interface for the information registration server 100 to register virtual account opening application information for the advertisement revenue settlement process.

According to another exemplary embodiment of the present invention, when the virtual account opening system supports the creation of a non-face-to-face virtual account, the opening request terminal is connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises a automated teller machine (not shown) including a connected Automatic Teller Machine (ATM), a Cash Dispenser (CD), or a public switched telephone network (PSTN). ), A predetermined call terminal (not shown) connected to a wired telephone network such as a VoIP (Voice over IP) network, or a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. ), Or may further include a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. It said, to which the present invention is not limited.

In the case of supporting a non-face-to-face virtual account opening as described above, when the opening request terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) And a financial network connecting the virtual account opening server 105 to perform a function of a virtual account opening interface for the information registration server 100 to register virtual account opening application information for the advertisement revenue settlement process, or When the establishment request terminal is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the virtual account opening server 105 is the information. The registration server 100 performs a function of a virtual account opening interface for registering virtual account opening application information for the advertisement revenue settlement process, or In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is an opening requesting terminal, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the virtual The network connecting the account opening server 105 performs a function of a virtual account opening interface for the information registration server 100 to register virtual account opening application information for the advertisement revenue settlement process.

At the request of the information registration server 100, a financial institution that opens a virtual account for the advertisement revenue settlement process to a predetermined advertiser may request at least one financial transaction (eg, credit, reception, foreign exchange) to at least one financial transaction customer. , Financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provides a face-to-face financial transaction services for at least one financial transaction customer through the financial transaction service, including the financial transaction service for processing the advertising revenue through the opening and operation of the virtual account. desirable.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), Providing a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal, wherein the financial transaction service includes a financial transaction service for processing the advertising revenue through opening and operating the virtual account. It is desirable to achieve.

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

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. It provides a non-face-to-face financial transaction service, it is preferable that the financial transaction service comprises a financial transaction service for the advertising revenue settlement process through the opening and operation of the virtual account.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for processing the advertising revenue through opening and operating the virtual account. It is preferable.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial transaction service, including the financial transaction service for the advertisement revenue settlement process through opening and operating the virtual account. Do.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server , A non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service provides a financial transaction service for processing the advertising revenue through opening and operating the virtual account. It is preferable to include.

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

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

The virtual account opening server 105 provided on the virtual account opening system according to the present invention is a generic term for the virtual account opening system side components connected to the opening request terminal through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the virtual account opening server 105 is characterized in that it comprises an interface unit 400 for providing a predetermined virtual account opening interface to the opening request terminal via the network means.

According to an embodiment of the present invention, when the establishment request terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 400 is connected to the wired network or a wireless network. Connect a predetermined communication channel with the client terminal based on a defined protocol stack, and 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. It is desirable to.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 400 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a web interface (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when a predetermined virtual account opening program provided by the virtual account opening server 105 is provided in the client terminal, the interface unit 400 establishes a communication channel with the client terminal 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 embodiment of the present invention, when the establishment request terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 400 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 client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 400 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a virtual account opening program provided by the virtual account opening server 105, the interface unit 400 connects a communication channel with the client terminal based on the CDMA protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in a communication program.

Referring to FIG. 4, the virtual account opening server 105 is linked with the interface unit 400 when a predetermined opening request terminal is connected to the virtual account opening server 105 through the interface unit 400. An interface providing unit 405 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the opening request terminal and providing the opening request terminal to the opening request terminal; An information receiving unit 410 for receiving a predetermined virtual account opening request information transmitted from the opening request terminal through the user interface in connection with the unit 400 and the received virtual account opening request information; An information generation unit which generates predetermined virtual account ledger information corresponding to the virtual account to be opened to the customer based on the opening of the virtual account; 415) and an information storage unit 420 for storing the virtual account ledger information generated in association with the account ledger of the financial account corresponding to the bank account linked to the virtual account in the ledger D / B on the financial system. And an advertisement cost depositing unit 425 for depositing an advertisement fee corresponding to the deposit information included in the advertisement information in the opened virtual account to the opened virtual account.

When the predetermined opening request terminal is connected to the virtual account opening server 105 through the interface unit 400, the interface providing unit 405 opens the virtual account corresponding to the functional configuration provided in the opening request terminal. Generate a predetermined user interface capable of inputting (or selecting) application information and transmitting it to the virtual account opening server 105 via the network means, or extracting from a predetermined database (not shown), and selecting the interface unit ( In operation 400, the generated (or extracted) user interface may be provided to the establishment request terminal through the network means.

Thereafter, the opening request terminal inputs (or selects) the virtual account opening application information based on the user interface, and the virtual account opening application information is inputted through the network means. Transmit to 105.

According to an embodiment of the present invention, when the establishment request terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 405 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 400.

According to another embodiment of the present invention, when the establishment request terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 405 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 400.

The information receiving unit 410 inputs (or selects) predetermined virtual account opening application information through the user interface in the opening request terminal, and transmits the information through the network means. Characterized in that it receives the account opening application information, and provides the received virtual account opening application information to the information generating unit 415.

According to an embodiment of the present invention, the virtual account establishment application information may include virtual account establishment application information for requesting the advertiser to establish a virtual account for the advertisement revenue settlement process, the advertiser information, and a mother account associated with the virtual account. At least one bank account information corresponding to the at least one deposit information to be deposited in the virtual account to be opened is preferably made.

The advertiser information is advertiser information included in advertisement information registered in the information registration server 100 shown in FIG. 2, and personal information of the advertiser registering the advertisement information (for example, the name, resident registration number, address, telephone number of the advertiser). , Mobile phone number, email address, etc., and company information of the advertiser that the advertiser belongs to (e.g., the name of the advertiser, business number, corporation number, homepage address of the advertising company, phone number of the advertising company, address of the advertising company, advertising company) E-mail address, etc.), and the member information of the advertiser (e.g., the member ID / PW information generated in response to the customer by signing up as a financial transaction customer of a financial institution associated with the information registration system, or CIF ( Customer Information File) number, etc.) is preferably included.

Bank account information associated with the virtual account, the bank account corresponding to the real account associated with the virtual account of the financial institution name that provides the advertisement of the advertiser corresponding to the advertiser information at the request of the information registration server 100 It is preferable that the information corresponding to the information including at least one or more account number and account holder information for the bank account already established in the ledger D / B on the financial system.

According to the exemplary embodiment of the present invention, the information receiving unit 410 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the virtual account opening includes checking whether a financial account corresponding to the bank account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. desirable.

The deposit information is deposit information included in the advertisement information registered in the information registration server 100 shown in FIG. 2 and when the advertisement is registered by the advertiser, the information is registered in advance in order to pay an advertisement fee for providing the advertisement. The information on the amount deposited in the financial institution associated with the server 100, preferably comprises at least one or more amounts paid by the advertiser.

The information generating unit 415 generates predetermined virtual account ledger information to be provided in the virtual account opened under the advertiser's name based on the virtual account opening application information received through the information receiving unit 410. The virtual account ledger information is to be included in the parent account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or at least the virtual account is requested by the advertiser) It is preferred to include at least one ledger information, which must be provided to process one or more financial transactions.

If one of ordinary skill in the art to which the present invention belongs, at least one ledger information to be included in the account ledger (or virtual account to be equipped to process at least one financial transaction requested by the advertiser) Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the predetermined virtual account ledger information to be included in the virtual account is generated by the information generator 415, the information storage unit 420 corresponds to the bank account provided in the ledger D / B provided on the financial system. And generating a predetermined virtual account ledger associated with the account ledger, and storing the generated virtual account ledger information in the virtual account ledger.

According to the method of the present invention, the information receiving unit 410, the information generating unit 415 and the information storage unit 420 may be made of one virtual account opening means according to the intention of the person skilled in the art, the present invention is It is not limited by.

The advertisement fee depositing unit 425 may deposit an advertisement fee corresponding to the deposit information included in the advertisement information in connection with the financial system to the opened virtual account.

5 is a diagram showing the configuration of a virtual account ledger for the advertising revenue settlement process according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a virtual account ledger which is processed in association with an account ledger corresponding to a bank account provided in the ledger D / B on the financial system for the advertisement revenue settlement process in the virtual account opening system shown in FIG. 4. As for the configuration, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 5 to infer various implementation methods for the configuration of the virtual account ledger for the advertising revenue settlement process, The present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, the virtual account ledger corresponding to the virtual account opened in the advertiser's name for the advertisement revenue settlement process is linked with the account ledger corresponding to the bank account to the ledger D / B on the financial system. Characterized in that the account ledger corresponding to the bank account is associated with a predetermined customer ledger corresponding to the financial institution.

In this figure 5 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the financial institution. Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Area, Account Number, President, Business Type , Legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in FIG. 5, the account ledger corresponding to the bank account is linked to the customer ledger in a relational manner, and the account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and RBI balance 1, RBI balance 2, bank balance, bank account number, interest now, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest rate accounting, flat consolidation It includes account ledger information including at least one or more, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation, and includes the account number, withdrawal (months), and period corresponding to the account ledger. At least one of periodic reception information including at least one of (day), extension of time, expiration date, and target amount, or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information included above or account number, transaction number, date, point number, commodity type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of settlement, bank account Transaction history information including at least one of a line, a summary, a CIF, and the like.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the virtual account ledger is processed in a relational manner with an account ledger corresponding to the bank account, and the virtual account ledger information includes parent account information associated with the virtual account and the financial system. It is preferable to include at least one ledger information to be included in the account ledger provided in the ledger D / B (or virtual account to be equipped to process at least one or more financial transactions requested by the advertiser). .

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information such as the number of unpaid transactions, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the virtual account deposit. As an amount corresponding to an account balance, the actual balance of the virtual account is preferably deposited in the bank account.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

FIG. 6 is a diagram illustrating a virtual account opening process for an advertisement revenue settlement process according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, in the virtual account opening system shown in FIG. 4, a predetermined customer has a predetermined virtual account opening interface (for example, a client terminal and network means including at least one wired terminal or a wireless terminal). When the predetermined virtual account opening application information is transmitted to the virtual account opening server 105 to the virtual account opening server 105 through the virtual account opening server 105, the virtual account opening server 105 makes a predetermined request based on the virtual account opening application information. Regarding the process of opening a virtual account, those of ordinary skill in the art to which the present invention pertains will infer various implementation methods of opening the virtual account for the advertisement revenue settlement process by referring to or modifying the present invention. It should be understood that the present invention encompasses all of the inferred implementation methods, as shown in FIG. Not determined

Hereinafter, in FIG. 6, the opening request terminal shown in FIG. 4 is referred to as "terminal" for convenience, and the virtual account opening server 105 is referred to as "server" for convenience.

Referring to FIG. 6, the information registration server 100, which intends to open a virtual account to the advertiser for the advertisement revenue settlement process, accesses the server through the network means using the terminal, and the virtual to the server. A request for a virtual account opening interface for opening an account is requested (600), and in response, the server extracts (or generates) a virtual account opening interface for opening a virtual account and provides the terminal to the terminal (605).

Thereafter, the terminal inputs (or selects) predetermined virtual account opening application information through the virtual account opening interface, and then provides the virtual account opening application information to the server through a predetermined virtual account opening interface (610). .

Here, the virtual account opening interface is a predetermined terminal used by the information registration server 100, network means for connecting the terminal and the server, and the server inputs predetermined virtual account opening application information from the terminal. It is preferable to include a user interface for transmitting to the server.

According to an embodiment of the present invention, the virtual account establishment application information may include virtual account establishment application information for requesting the advertiser to establish a virtual account for the advertisement revenue settlement process, the advertiser information, and a mother account associated with the virtual account. At least one bank account information corresponding to the at least one deposit information to be deposited in the virtual account to be opened is preferably made.

The advertiser information is advertiser information included in advertisement information registered in the information registration server 100 shown in FIG. 2, and personal information of the advertiser registering the advertisement information (for example, the name, resident registration number, address, telephone number of the advertiser). , Mobile phone number, e-mail address, etc., and company information of the advertiser that the advertiser belongs to (e.g., company name, business number, corporation number, homepage address of the advertising company, phone number of the advertising company, address of the advertising company, advertising Company's e-mail address, etc., and member information of the advertiser (e.g., member ID / PW information generated in response to the customer by signing up as a financial transaction customer of a financial institution associated with the information registration system, or CIF) (Customer Information File) number and the like).

Bank account information associated with the virtual account, the bank account corresponding to the real account associated with the virtual account of the financial institution name that provides the advertisement of the advertiser corresponding to the advertiser information at the request of the information registration server 100 It is preferable that the information corresponding to the information including at least one or more account number and account holder information for the bank account already established in the ledger D / B on the financial system.

The deposit information is deposit information included in the advertisement information registered in the information registration server 100 shown in FIG. 2 and when the advertisement is registered by the advertiser, the information is registered in advance in order to pay an advertisement fee for providing the advertisement. The information on the amount deposited in the financial institution associated with the server 100, preferably comprises at least one or more amounts paid by the advertiser.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information to check whether the virtual account can be opened to the customer (615). ).

* Here, the virtual account opening validity confirmation is made to include whether the financial account corresponding to the bank account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system It is preferable.

If the validity of opening the virtual account to the customer is not authenticated through the virtual account opening application information (620), the server provides the virtual account opening error information to the customer through the virtual account opening interface. 625, stop opening the virtual account to the customer.

On the other hand, if the validity to open the virtual account to the customer is authenticated through the virtual account opening application information (620), the server corresponding to the virtual account to be opened to the advertiser based on the virtual account opening application information In operation 630, the virtual account ledger information of the advertiser name is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system (or at least the virtual account is requested by the advertiser) It is preferred to include at least one ledger information, which must be provided to process one or more financial transactions.

If one of ordinary skill in the art to which the present invention belongs, at least one ledger information to be included in the account ledger (or virtual account to be equipped to process at least one financial transaction requested by the advertiser) Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server identifies an account ledger corresponding to a bank account to be associated with a virtual account to be opened to the advertiser among at least one account ledger provided on the ledger D / B on the financial system (635).

If the account ledger corresponding to the bank account to be associated with the virtual account to be opened to the advertiser is confirmed (640), the server and the account ledger corresponding to the bank account provided on the ledger D / B on the financial system; Create a virtual account ledger under the name of the advertiser to be linked (645), the virtual account ledger generated in the virtual account ledger generated by linking with the account ledger corresponding to the bank account in the ledger D / B on the financial system The information is stored (650).

The server completes the process of opening the virtual account by depositing an advertisement fee corresponding to the deposit information included in the advertisement information to the opened virtual account in cooperation with the financial system (655).

7 is a diagram illustrating a configuration of an internet banking system for processing advertising revenue according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a predetermined Internet banking server to which at least one client terminal and a communication channel for internet banking are connected based on a transmission control protocol / Internet protocol (TCP / IP) based network (eg, the Internet). When the user accesses the Internet banking server 110 for Internet banking through the customer terminal and uses the Internet banking at 110, when the advertisement revenue is generated by providing an advertisement registered by the advertiser shown in FIG. 2 to the customer terminal, A method of implementing an Internet banking system for processing an advertisement revenue with a customer and an advertiser, wherein the Internet banking system provides an internet banking service to at least one client terminal having a web browser and at least one client terminal. Including the Internet banking server 110 is made, the Internet banking server 110 is small By definition interface means it is possible to be linked with a financial system that processes the financial affairs necessary to provide the Internet banking service.

Those skilled in the art to which the present invention pertains can easily guess the omitted components for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 7 illustrates the present invention between the customer terminal and the Internet banking server 110 based on a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the customer terminal. Although the method of implementing the Internet banking system for processing the financial transaction according to the present invention, those skilled in the art to which the present invention belongs, Internet banking based financial transaction channel connection method using the browser program shown in FIG. Based on a predetermined Internet banking program mounted on the customer terminal by referring to or modified to infer the configuration of the Internet banking system for processing a financial transaction between the customer terminal and the Internet banking server 110 according to the present invention. However, the present invention is based on the Internet banking program Including Internet banking system, which is provided and to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the configuration of the Internet banking system shown in Figure 7 in addition to the Internet banking system, for non-face-to-face channel-based financial transactions according to the present invention It would be possible to infer another banking system, such as a telebanking system or a wireless banking system or a TV banking system, but the present invention includes the telebanking system or a wireless banking system or a TV banking system or a future non-face-to-face banking system. It includes all kinds of non-facing channel banking system, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal is provided with a desktop having at least one web browser for accessing the Internet banking server 110 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. Desktop) characterized in that it comprises a wired terminal including at least one computer or a notebook (Notebook), the Internet banking server 110 and the Internet through a predetermined network means including the Internet based on the TCP / IP A communication channel for banking is connected.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External system providing various electronic financial services (e.g., internet banking, phone banking, CD / Cash Dispenser) / ATM (Automatic Teller Machine), line transfer, call center, financial settlement, etc. Interface modules that correspond to the middleware platform that provides inter-component interfacing, DBMS (DataBase Management System) including at least one database that stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of an existing financial system. ), And according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (not shown), investment banking module It is possible to further include at least one or more components, such as (not shown), international module (not shown), and those skilled in the art to which the present invention pertains, the technical details of the financial system Since it will be clearly understood that the detailed description thereof is omitted for convenience, the present invention is not limited thereby. .

According to an embodiment of the present invention, the Internet banking server 110 is interlocked with the financial system through the external system, and for this purpose, the Internet banking server 110 is interlocked with the Internet banking server 110 through a predetermined interface means. It is preferred to include a component for.

The internet banking server 110 is a database for storing web operation data including at least one web page source or digital content for providing a predetermined web service to at least one or more customer terminals, or in conjunction with the financial system. A banking D / B 775 including a database for storing internet banking information required to provide an internet banking service of the bank or a data server provided with the banking D / B 775 according to an implementation method. It characterized in that the interworking, whereby a predetermined Internet banking service is provided to at least one or more of the customer terminal.

According to the embodiment of the present invention, the Internet banking information is at least one or more customer terminals authenticate the customer corresponding to the customer terminal when connecting and logging into the Internet banking server 110, or the customer is the Internet banking server Customer authentication for authenticating the financial transaction customer during at least one financial transaction through 110, or for authenticating a customer who subscribes to the financial product when the customer subscribes to the internet banking server 110 for at least one financial product. Information and banking element information for processing a financial transaction corresponding to the financial transaction request in conjunction with the financial system when the financial transaction is requested from the customer through the customer terminal. Therefore, at least one or more information required for internet banking may be further included. But, in the case of FIG. 7 will be omitted for convenience.

In addition, the Internet banking server 110 includes a storage medium 780 including at least one advertiser information, advertisement data information, deposit information and billing information advertising history information in order to expose and provide an advertisement to at least one or more customer terminals. Or a data server (for example, the information registration server 100 or the financial system shown in FIG. 2) provided with the storage medium 780 according to an embodiment of the present invention. A predetermined advertisement is provided to the customer terminal, and the advertisement cost is settled for the provided advertisement.

The advertiser information includes personal information of the advertiser registering the advertisement information (for example, the name, social security number, address, telephone number, mobile phone number, email address, etc. of the advertiser), and company information (for example, the advertising company) of the advertiser to which the advertiser belongs. Name, business number, corporation number, advertising company's homepage address, advertising company's phone number, advertising company's address, advertising company's email address, etc. It is preferable to include at least one or more member ID / PW information, CIF (Customer Information File), etc. generated in response to the customer by joining the financial transaction customer of the financial institution.

The advertisement data information is information containing advertisement contents for the advertiser to provide an advertisement on the inquiry screen of various Internet banking inquiry services used by the customer when a predetermined customer is Internet banking, bmp, jpg at least one of image file information such as, png, gif, video file information such as mov, avi, wma, mpeg, mpg, mms, rm, flash file information such as flv and swf, and sound file information such as mp3 and wav It is preferable to comprise as mentioned above.

According to the embodiment of the present invention, the advertiser may register one or more pieces of advertisement data information, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the advertisement data information may include link information (eg, an image or video advertisement, etc.) for a customer who has received the advertisement data to access a product corresponding to the advertisement. Information including a hyperlink for providing a product purchase web page or providing an advertisement company homepage for providing the advertisement, and the present invention is not limited thereto.

According to an embodiment of the present invention, the advertisement data is displayed by adjusting the chromaticity of the advertisement when the customer exposes the advertisement on the inquiry screen so as not to interfere with the use of the inquiry service when using the various inquiry services of the Internet banking. It is desirable to minimize the inconvenience when checking, and thereby the present invention is not limited.

The deposit information is information about the amount of money deposited in advance to the financial institution associated with the information registration server 100 in order to pay the advertisement fee for the advertisement provided when the advertisement provided by the advertiser is provided, the advertiser pays It is preferable to include at least one or more amounts to be said.

According to the exemplary embodiment of the present invention, the deposit information is the advertisement of the advertiser who registered the advertisement is exposed to a predetermined Internet banking user, and when the advertising fee for the exposed advertisement is settled, the deposit information is paid. It is preferable to subtract by the advertising cost, and the present invention is not limited thereto.

The billing information is billing information for paying the advertisement fee for providing the advertisement when the advertisement registered by the advertiser is provided to a predetermined client terminal, and the advertisement billing information to be paid for the advertisement provision by the advertiser registering the advertisement. It is preferable that the advertisement registered by the advertiser includes at least one or more information about advertising charges paid for providing the advertisement.

The advertisement history information is information on an advertisement providing history for providing the advertisement registered by the advertiser and at least one of an advertisement providing history for which the advertisement cost is not settled and an advertisement providing history for which the advertisement cost for the advertisement providing is settled. It is preferable to comprise.

Referring to FIG. 7, the Internet banking server 110 connects and manages a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more customer terminals. 700), and receives various authentication information and login information for internet banking access from the customer terminal and financial transaction service request information for requesting an internet banking service for a financial transaction, and provides it to the customer terminal from the financial system. An information receiving unit 720 for receiving financial transaction service information and banking processing details, an information checking unit 730 for checking conditions for providing an advertisement among financial transaction information received from the customer terminal or the financial system, and The financial transaction service request information received from the customer terminal is transmitted to the financial system, and is transferred to the financial system. Information transmission unit for transmitting the financial transaction service information and banking processing details corresponding to the received financial transaction service request information of the customer terminal to the customer terminal and the details of the advertisement provision to the advertiser terminal registered the advertisement 735 ) And extracting advertisement data for extracting advertisement data information to be exposed to the client terminal in connection with the storage medium 780 when a condition for providing an advertisement is satisfied among the financial transaction service request information received from the client terminal. The advertisement data output processing unit 745 for outputting an advertisement on the web page or a separate web page to be provided to the client terminal through the web interface unit 700 and the extracted advertisement data through the web interface unit 700. And, through the advertisement data output processing unit 745, confirm whether the advertisement has been exposed or an event according to the exposure to the customer. When the advertisement exposure confirming unit 750 and the advertisement exposure confirming unit 750 confirm an event according to the advertisement exposure and the exposure, the transfer processing unit charges the advertisement fee for the provided advertisement in association with the financial system. 760 and an information storage unit 755 for storing details of advertisements provided by the advertisement data output processing unit 745 and billing details settled by the transfer processing unit 760 in association with the storage medium 780. And an incentive providing unit 770 for providing a predetermined incentive to the customer using the advertisement, and the web interface unit 700 and the banking D / B 775 to be provided to at least one of the customer terminals. A user for providing a predetermined internet banking service to at least one customer terminal in conjunction with a web page operating unit 710 for operating a web page and the web page operating unit 710 Interface (User Interface; A UI processing unit 705 for generating a screen, and extracts predetermined content for providing the Internet banking service from the banking D / B 775 in cooperation with the UI processing unit 705, or from the customer terminal. And a content operation unit 715 for receiving a predetermined content to be stored in the banking D / B 775, and the HTTP is configured between the customer terminal and the Internet banking server 110 by the function configuration. Based on this, communication channels and user interfaces for processing Internet banking are implemented.

In addition, the Internet banking server 110 is connected to the web page operation unit 710 through the UI processing unit 705 based on the banking element information of the Internet banking information to the financial transaction-related interface screen to at least one client terminal And a financial transaction processing unit 765 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in connection with the financial system, wherein the financial transaction processing unit 765 includes the financial transaction processing unit 765. It is preferred to be connected to the outside world of the financial system through an interface means.

In addition, the Internet banking server 110 interoperates with the web page operation unit 710 through the UI processing unit 705 based on the customer authentication information of the Internet banking information to the at least one customer terminal screen to the customer authentication interface The customer authentication unit 725 may be provided or receive at least one or more customer authentication information based on the interface screen.

The customer authentication information stored in the banking D / B 775 may include ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the Internet banking server 110 through the customer terminal. It is preferable to include a member information including at least one, wherein the customer authentication unit 725 requests the ID / PW information of the customer to the customer terminal in conjunction with the UI processing unit 705, The customer is authenticated by receiving the ID / PW information from the customer terminal and comparing the received ID / PW information with ID / PW information included in the member information.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 110 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. Preferably, the customer terminal is encrypted and received through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method. The customer authentication unit 725 preferably further includes a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the banking D / B 775 may include certification authority information (eg, KFTC) and certificate server information, or the authentication certificate that issued a predetermined authentication certificate to a customer connected through the customer terminal. Further including registrar information (e.g., if the accredited certificate is registered by us, the information of the party, if the accredited certificate is registered through another party, etc.), or the certificate information issued to the customer by the certificate authority; Preferably, the customer authentication unit 725 requests the authentication certificate based customer authentication through the authentication certificate registered by the registrar to the authentication server of the certification authority, and provides the customer authentication result from the authentication server. By receiving, characterized in that for authenticating the customer.

According to the embodiment of the present invention, the customer authentication unit 725 provides the communication session information and the certificate information connected to the customer terminal to the authentication server of the certification authority, and the authentication server is based on the communication session information. After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, it is preferable to provide the result to the customer authentication unit (725).

In addition, the customer authentication information stored in the banking D / B 775 is made of a copy of the authentication certificate of the customer accessing the Internet banking server 110 through the customer terminal, or the predetermined authentication certificate to the customer It is preferable to include the directory connection information of the certification authority that issued the certificate, wherein the customer authentication unit 725 is a certificate to the customer terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer Requesting based customer information, receiving the certificate-based customer information from the customer terminal, and authenticating the customer by authenticating the certificate-based customer information through a copy of the certificate or a certification authority.

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 725, or a predetermined random number generated by the customer terminal, in this case the customer terminal The customer authentication unit encrypts the random number through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method through the certificate. 725) (for example, when the random number is generated in the customer terminal, the server further includes a random number in the form of plain text), and the customer is extracted from the copy of the certified certificate of the customer or from the directory by the customer authentication unit 725. Decrypt the random numbers encrypted based on the certificate information of the mutual comparison, or the random number in the plain text form (e.g. By intercomparison by encrypting the random number, or a random number generated in the customer terminal) generated by the client authentication unit 725, it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal (for example, information stored in the storage device of the customer terminal in the Internet banking server 110, or the customer terminal). Information (or system information) already stored in the device, or storage information (e.g., an IC card (or IC chip) serial number, or the IC card) read out from an IC card (or IC chip) linked to the customer terminal. (Or IC chip) information stored in an IC card (or IC chip) memory by the issuing authority), in which case the client terminal encrypts the stored information through a certificate of symmetric key (or secret key), Or encrypting through at least one encryption method of a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method, and providing the encrypted data to the customer authentication unit 725. In the authentication unit 725, by mutual comparison to decrypt the encrypted information stored based on the certificate information of the customer extracted from the certificate or a copy of the directories of the customer, it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, or Information input through an input device (for example, a short-range communication device, etc.) other than a key input device provided in the customer terminal, and in this case, the customer terminal may use the symmetric key (or Secret key) encryption method, public key encryption method, electronic envelope encryption method, or encrypted through at least one encryption method of key exchange encryption method provided to the customer authentication unit 725, the customer authentication unit 725 ) The encrypted input information based on the copy of the customer's official certificate or the certificate information of the customer extracted from the directory. By decrypting and comparing with each other, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the banking D / B 775 is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer At this time, the customer authentication unit 725 interoperates with the UI processing unit 705 to request a predetermined OTP code to the customer terminal, receives the OTP code from the customer terminal, and based on the OTP generation information. By generating a predetermined OTP authentication code, and comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to the method of the present invention, the OTP code is a symmetric key (or secret key) encryption method, or public key encryption method, or electronic envelope encryption method, or key exchange in the customer terminal to provide a more advanced security function It is preferable that the data is encrypted and received through at least one of the encryption methods. For this purpose, the customer authentication unit 725 preferably further includes a functional configuration for decrypting the OTP code.

The information receiving unit 720 receives various authentication information and login information for internet banking access and financial transaction service request information for requesting an internet banking service for a financial transaction from the customer terminal, and the customer terminal from the financial system. It is preferable to receive financial transaction service information and banking processing details to be provided.

The information checking unit 730 checks the financial transaction service request information sent by the client terminal logged into the internet banking server 110 to the internet banking server 110 for financial transaction. Conditions for providing advertisements among the confirmed financial transaction service request information or provision of advertisements in financial transaction service information or banking processing details received from the financial system in response to the financial transaction service request information of the client terminal. It is desirable to check.

Those skilled in the art to which the present invention pertains may provide a method of providing an advertisement after obtaining consent from the customer on the condition that the advertisement is provided to the customer, and the advertisement when the customer accesses an internet banking webpage. Or when the customer uses a specific service of the Internet banking (for example, bank transfer, account inquiry, etc.), it may be inferred to apply a method of exposing and displaying an advertisement on a web page to be provided to the customer. It is preferable that the present invention includes all the inferred methods, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the customer is provided with the financial transaction service information or the banking processing details received from the financial system in response to checking a condition for providing an advertisement to the customer or the financial transaction service request information of the customer terminal. It is preferable to check whether there is a condition for providing an advertisement until the terminal terminates the Internet banking service and logs out, and the present invention is not limited thereto.

The information transmission unit 735 transmits the financial transaction service request information received from the customer terminal to the financial system, the financial transaction service information corresponding to the financial transaction service request information of the customer terminal received from the financial system; When the banking processing history is transmitted to the customer terminal and the advertisement is provided to the customer, it is preferable to transmit the advertisement fee settlement history for providing the advertisement to the advertiser terminal that registered the advertisement.

The advertisement data extractor 740, in response to a condition for providing an advertisement in the financial transaction service request information received from the client terminal, meets the advertisement data information to be exposed to the client terminal in association with the storage medium 780. It is preferable to extract.

The advertisement data output processing unit 745 preferably outputs an advertisement on a web page or a separate web page to be provided to the customer terminal through the web interface unit 700 and performs exposure processing.

According to the exemplary embodiment of the present invention, it has been described that the internet banking server 110 provides the advertisement content provided to the customer to the customer terminal through the storage medium 780, but the advertisement data information is provided to the advertisement. It may be provided in connection with the advertiser server (not shown for convenience) providing the content, the present invention is not limited thereto.

The advertisement exposure confirming unit 750 exposes an advertisement to the customer through the advertisement data output processing unit 745 or an event according to an advertisement exposure (for example, accesses or accesses the corresponding advertiser homepage through the exposed advertisement). It is characterized by checking whether there was an advertisement product purchased through the advertisement).

The transfer processing unit 760 corresponds to the deposit information prepaid while the advertiser registers the advertisement information in association with the financial system when the advertisement data output processing unit 745 confirms an advertisement exposure and an event according to the exposure. It is characterized in that the advertising fee is withdrawn from the virtual account in which the advertisement fee is deposited and automatically transferred to the mother account to the virtual account, and the advertising fee for the provided advertisement is charged.

The information storage unit 755 stores the details of the advertisement provided by the advertisement data output processing unit 745 as advertisement details information in association with the storage medium 780 and charges processed by the transfer processing unit 760. It is desirable to save the details as billing information.

The incentive providing unit 770 may provide a predetermined incentive to a customer who uses the advertisement.

According to an embodiment of the present invention, a fee exemption (or a reduction), a point offer, a loan interest rate reduction, an increase in an interest rate or a deposit may be provided to the advertisement exposure customer or the event generating customer by providing an incentive for the advertisement exposure. Although it is possible to infer a method or the like, the present invention preferably includes all of the inferable methods, and the present invention is not limited thereto.

8A and 8B illustrate a process of performing an advertisement revenue settlement process according to an embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a case where the web server system illustrated in FIG. 7 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, a web server on the web server system illustrated in FIG. In the case of the Internet banking server 110), when a predetermined client terminal accesses the Internet banking server 110 and uses the Internet banking for Internet banking through a TCP / IP-based network (for example, the Internet), When an advertisement revenue is generated by providing an advertisement registered by the advertiser shown in FIG. 2 to the client terminal, an advertisement method is used to settle the advertisement revenue with a customer and an advertiser. If a person has, the user can refer to or modify the drawings 8a and 8b to generate an advertisement through the non-face-to-face financial transaction channel to the client terminal. Various implementation methods for calculating an advertisement revenue may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 8A and 8B.

That is, when the Internet banking server 110 is connected to the Internet banking server 110 through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. Although a method of connecting an internet banking-based financial transaction channel for providing community access between the customer terminal and the internet banking server 110 based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains Referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 8A and 8B, the client terminal and the Internet banking server 110 are based on a predetermined internet banking program mounted on the client terminal. Internet banking to provide community access between Would be able to infer the exemplary method for connecting the half financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 8a and 8b, in addition to the Internet banking system, a telebanking system or wireless It would be possible to infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for Internet banking in another banking system such as a banking system or a TV banking system, but the present invention provides the telebanking system or a wireless banking system or a TV banking system. Or all kinds of non-face-to-face channel-based financial transactions including the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIGS. 8A and 8B. .

In addition, although the embodiment shown in FIGS. 8A and 8B includes a process of generating the predetermined electronic document and storing it in the electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited.

8a and 8b, the customer terminal is referred to as " terminal " for convenience, and the Internet banking server 110 corresponding to the financial institution server is referred to as " server " for convenience.

8A and 8B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (800a), the server communicates between the terminal and the server through the browser. (805a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal to the terminal and transmitted to the terminal, the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (815a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 820a.

If the terminal does not need to install or update the latest version of the Internet banking security module (825a), or if the terminal does not need to mount or update the Internet banking security module (815a), the server is mounted on the terminal. By activating the security module for internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a secure channel) (830a), which is referred to as an internet banking security channel. Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If the encryption is provided, the terminal may verify the electronic signature or correspond to the encryption method (or encryption algorithm). In a predetermined decoding method (or decryption algorithms) it means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decoding the information (or data) by a decoding method (or a decoding algorithm).

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an Internet banking customer authentication procedure through the browser program (835a).

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

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

* Then, the terminal inputs (or generates) predetermined customer authentication data according to the request, and requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module and transmitting it to the server (or authentication server) ( 840a), the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (845a).

If the Internet banking customer authentication fails (850a), the server blocks the Internet banking secure channel for the terminal (855a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (860a), where the Internet banking based The financial transaction channel refers to a communication channel through which predetermined Internet banking information can be transmitted and registered from the terminal to the server.

Thereafter, the server receives the financial transaction service request information for the Internet banking service from the terminal (800b), transmits the received financial transaction service request information to the financial system (805b), and the financial system from the financial system. The financial transaction service information and the banking processing history corresponding to the transaction service request information are received (810b).

The server checks whether there is a condition in which the advertisement is exposed and provided in the financial transaction service information and the banking processing details received from the financial system (815b).

Those skilled in the art to which the present invention pertains may provide a method of providing an advertisement after obtaining consent from the customer on the condition that the advertisement is provided to the customer, and the advertisement when the customer accesses an internet banking webpage. Or when the customer uses a specific service of the Internet banking (for example, bank transfer, account inquiry, etc.), it may be inferred to apply a method of exposing and displaying an advertisement on a web page to be provided to the customer. It is preferable that the present invention includes all the inferred methods, and the present invention is not limited thereto.

According to the implementation method of the present invention, the customer to confirm the conditions for providing an advertisement to the customer, or in response to the financial transaction service request information of the customer terminal from the financial transaction service information or banking processing history received from the financial system; It is preferable to check whether there is a condition for providing an advertisement until the terminal terminates the Internet banking service and logs out, and the present invention is not limited thereto.

If the request information (or input) corresponding to the Internet banking service request is not received from the financial system (820b), the financial transaction webpage corresponding to the received financial transaction service information and banking transaction details is transmitted to the terminal. (825b).

On the other hand, when receiving (or inputting) request information corresponding to the Internet banking service request from the financial system is confirmed (820b), the server is linked with the financial system, the advertisement provision price for advertisement provision is sufficiently deposited in the virtual account. Check if there is (830b).

If the advertisement price is not sufficiently deposited (835b), the information indicating that the deposit for the advertisement provision is insufficient to the server is transmitted to the advertiser terminal (840b), and the received financial transaction information and banking transaction details In operation 825b, the financial transaction webpage corresponding to the webpage is transmitted to the terminal.

On the other hand, when the advertisement price is sufficiently deposited (835b), the server is exposed to the financial transaction web page corresponding to the financial transaction service information and banking processing details to be provided to the terminal in connection with the storage medium 780. The advertisement data is extracted (845b), and the extracted advertisement data is exposed and provided to the terminal along with the financial transaction web page requested by the terminal (850b).

According to an embodiment of the present invention, a method of providing an advertisement on a financial transaction web page provided to the client terminal includes the advertisement content in a web page for internet banking to be provided to the client terminal, a banner, a flash, a video, etc. It may be inferred to provide a method, etc., it is preferable to include all the inferred methods, the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the Internet banking server 110 provides the customized advertisement contents provided to the customer to the customer terminal through the storage medium 780, but the advertisement data information is provided. It may be provided in connection with the advertiser server (not shown for convenience) providing the advertisement content, the present invention is not limited thereto.

Thereafter, the server determines whether the advertisement is exposed or an event according to the advertisement exposure is generated (855b).

According to an embodiment of the present invention, a method of processing an advertisement fee when the advertisement is exposed, a customer who receives the advertisement accesses an advertiser homepage that provides the advertisement by selecting the advertisement, or receives the advertisement. When an event such as selecting the advertisement and purchasing a product corresponding to the advertisement occurs, the advertisement cost is settled, and when the advertisement is exposed and when the event occurs with the exposed advertisement, Inference may be applied to a method of inferring differentially and the like, but the present invention preferably includes all of the inferred methods, and the process of confirming the advertisement exposure or event occurrence according to the intention of the person skilled in the art Although it may abbreviate | omit, this invention is not limited by this.

If it is confirmed that the advertisement is exposed from the terminal, or if an event occurrence according to the advertisement exposure is confirmed (855), the server provides an advertisement from a virtual account that deposits an advertisement fee for advertisement provision in connection with the financial system. Withdraw the money and automatically transfer to the parent account (860b), incentives to give the terminal using the advertisement (865b), and transmits the financial transaction details and settlement details for the advertisement to the terminal and the advertiser terminal (870b).

According to an embodiment of the present invention, a fee exemption (or a reduction), a point provision, a loan interest rate reduction, an increase in a deposit rate or a deposit, etc. are provided as a method of providing an incentive for the advertisement exposure to the advertisement exposure customer or the event occurrence customer. Although it is possible to infer a method, etc., the present invention preferably comprises all of the above inferable methods, and the present invention is not limited thereto.

The present invention has the advantage of improving the convenience of advertising cost settlement by processing the advertising costs using a virtual account.

In addition, by giving incentives, such as fee exemption, point provision, and interest rate increase, to customers using the advertisement, it is possible to improve the advertisement utilization rate of the customer and thereby increase customer loyalty.

Claims (2)

Opening a virtual account for each advertiser having a bank account as a parent account to an advertiser who wants to expose an advertisement through a customer's Internet banking screen in a virtual account opening means; Pre-depositing the advertisement cost of the advertiser to the parent account of the virtual account through the opened virtual account in the advertising cost depositing means; Confirming whether an advertisement of the advertiser is exposed to a banking customer connected through internet banking or an event due to the advertisement exposure in an advertisement exposure confirming means; If it is confirmed that an advertisement of the advertiser is exposed or an event due to the advertisement exposure occurs, the transfer processing means is configured to settle the pre-deposited advertisement fee to the mother account according to the relationship of the virtual account of the advertiser with the mother account; And And providing incentive-related incentives related to the advertisement exposure or event generation to the advertisement exposure customer or event occurrence customer in an incentive providing means. The method of claim 1, wherein the incentive is Providing incentives to lower the lending rate of the customer or to increase the deposit / interest rate, or provide various fee exemptions (or exemptions) for the advertisement exposure to the advertisement exposure customer or the event occurrence customer. How to settle advertising costs.

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