KR20100013757A - System and method for settling cash by variety account connection and recording medium - Google Patents

Abstract

PURPOSE: A cache payment method through the account connection of the different kind and system and a recording medium thereof are provided to cancel the account transfer form, the payment amount is processed so that the inconvenience of the client about the cooperation company cache system is canceled completely. CONSTITUTION: The transaction detail information about the charging money information is received from the account relay server(920). The account relay server confirms the trade admission through the transaction detail information(925). If the trade admission is identified, the account relay server processes the transaction detail information as the charge breakdown of the cooperation company cache system(930,940). The new cache balance is applied to the account bridge D/B(945). The decided amount of money as described above the amount of money striking a balance the payment amount in the total money of the cache balance about the account drawing amount of money about the charge breakdown and customer account.

Description

System and Method for Settling Cash by Variety Account Connection and Recording Medium}

1 is a diagram illustrating a configuration of an account bridge based cache payment system according to an embodiment of the present invention.

2 is a diagram illustrating an account registration system for account bridge based cache payment according to an embodiment of the present invention.

3 is a diagram illustrating a process of transmitting and receiving account registration information for a remote account bridge between an affiliate cache system and an account relay system according to an embodiment of the present invention.

4 is a diagram illustrating a remote account bridge process between an affiliate cache system and an account relay system according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a remote account bridge process between an affiliate cache system and an account relay system according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a remote account bridge based cache payment system between an affiliate cache system and an account system according to an embodiment of the present invention.

7 is a diagram illustrating a remote account bridge based cache payment request process between an affiliate cache system and an account system according to an embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge based cache payment between an affiliate cache system and an account system according to an embodiment of the present invention.

9 is a diagram illustrating a remote account bridge-based cache payment process between an affiliate cache system and an account system according to an embodiment of the present invention.

10 is a diagram illustrating a remote account bridge-based cache payment system between an account system and an affiliate cache system according to an embodiment of the present invention.

11 is a diagram illustrating a remote account bridge-based cache payment process between an account system and an affiliate cache system according to an embodiment of the present invention.

<Description of main parts of drawing>

100: affiliate server 105: affiliate cache system

110: account bridge system 115: gateway

120: account relay system 125: accounting system

130: customer terminal

The present invention provides an accounting system of a financial company that opens and operates a fund management account under one or more client accounts and affiliate names, and an affiliate cash system that manages funds deposited in the fund management account through one or more client accounts (or a cash management account). A method of remotely bridging a system and processing a payment, wherein when a client terminal requests a payment through one or more affiliate cache systems, the client account (or cache operating account) provided in the affiliate cache system is stored in the client account. (Or a cash management account) bridged with (or relayed) a customer account provided in the account system to check (or calculate) the amount of the account withdrawal to be processed; and the customer account (or the cash management account) and Withdraw the account withdrawal amount from the bridged customer account and send (or transfer) the money to the fund management account. Bridging an accounting system, verifying a transaction approval for the deposit (or transfer) transaction, and confirming the transaction approval, the transaction history for the deposit (or transfer) transaction is provided to the customer cache system. It relates to a cache payment method through heterogeneous account linking comprising the step of processing the charge of the account (or cache operating account).

With the continued development of information and communication technology, the economic activity of online has become commonplace, and websites requiring online payment service have a payment platform that provides card payment and wire transfer payment, or a payment agency's payment platform. Although the lease is used, the card payment and bank transfer payment service includes a problem of providing a fee (or a predetermined amount) of a payment amount to a payment issuer or a payment agent.

Therefore, in case of some large websites requiring large payment service, in addition to the payment platform that provides the card payment and bank transfer payment, a certain amount is charged and the payment is made within the payment limit without additional fees. It operates with a rechargeable payment means that provides services.

Here, the most common form of the rechargeable payment means is that when a customer deposits a deposit in a fund management account of a website operator, the website operator deposits the funds in the fund management account in a database associated with the website. After depositing a cash or cyber money corresponding to the customer's reimbursement of the amount in a cash account (or a customer account) of the customer's name, the cash account (or a customer account) is charged. It includes its own cache system that provides payment services on the website through a cache (or cyber money).

The self-cache system has advantages of saving fees and securing funds in advance for the website operator, but the use of the cache filled in the own cache system is limited to the use of only the website and payment. It is not activated due to the inconvenience of having to recharge the cache account (or customer account) of the cache system beforehand.

In particular, the inconvenience of the pre-charge for the pre-payment in the cache system itself, rather than the payment for the charge (for example, credit card payment, bank transfer, etc.) from the customer's point of view, rather than payment for purchase Not only is the perception of doing so, but there is also a widespread rejection of pre-charging their own funds, which may be used at any time in the cache system itself.

Of course, recently, a portion of the profits from the fee reduction through the own cache system is refunded to the customer, and the customer is strongly encouraged to use the own cache system rather than other payment methods. There are still some difficult problems to deal with.

An object of the present invention for solving the above problems, the account management system of the financial company that opens and operates one or more customer accounts and the funds management account of the affiliate name, and the money management account through one or more customer accounts (or cash management account) A system for processing payments by remotely bridging an affiliate cache system that manages funds deposited in the client, wherein when a client terminal requests payment through one or more affiliate cache systems, a customer account provided in the affiliate cache system (Or the cash management account) is bridged with the customer account (or cash management account) to replace (or relay) with the customer account provided in the account system to check the withdrawal amount to check (or calculate) the amount of account withdrawal to be processed Customer account (or cache operating account) so that the means and the affiliate cache system and accounting system are bridged The present invention provides a cache settlement system through heterogeneous account linking that includes information transmitting means for transmitting information and information about withdrawal amount.

An accounting system of a financial institution that opens and operates a fund management account under one or more client accounts and affiliate names according to the present invention, and an affiliate operating the funds deposited in the fund management account through one or more customer accounts (or a cash management account). In the method of remotely bridging the cache system and processing payment, when a customer terminal requests payment through one or more affiliate cache systems, the customer account (or cache operating account) provided in the affiliate cache system may be stored in the client account. (Or a cash management account) bridged with (or relayed) a customer account provided in the account system to check (or calculate) the amount of the account withdrawal to be processed; and the customer account (or the cash management account) and To withdraw (or transfer) the withdrawal amount from the bridged customer account to the fund management account; Bridging a political system, verifying a transaction approval for the deposit (or transfer) transaction, and confirming the transaction approval, the transaction history for the deposit (or transfer) transaction is provided to the customer cache system. Characterized in that it comprises the step of processing the charge history of the account (or cache operating account).

On the other hand, operating the funds deposited in the funds management account through the accounting system of the financial company that opens and operates the funds management account of one or more customer accounts and affiliate names in accordance with the present invention, and one or more customer accounts (or cash management account) In the method of processing a payment by remotely bridging the affiliate cache system, the customer terminal checks the cash balance corresponding to the customer account (or the cache operating account) when a payment request is made through at least one affiliate cache system. And comparing the cash balance with a payment amount corresponding to the payment request, and if the payment result is larger, a customer account (or a cache operating account) provided in the affiliate cache system, the customer account. (Or a cash management account) is bridged (or relayed) to the customer account provided in the accounting system payment Identifying (or calculating) a withdrawal amount to be processed, and withdrawing (or depositing) the withdrawal amount from the customer account bridged with the customer account (or a cash management account) through the accounting system and depositing the money with the money management account (or Process) and confirming the transaction approval for the deposit (or transfer) transaction and upon confirming the transaction approval, the transaction account for the deposit (or transfer) transaction is provided in the affiliate account cache system. (Or a cache operation account) characterized in that it comprises the step of processing the charges.

The cache payment method through heterogeneous account linking according to the present invention further comprises the step of processing the settlement amount to be settled through the affiliate cache system if the cash balance is greater than the comparison result. .

The cash payment method through heterogeneous account linking according to the present invention is characterized in that it further comprises the step of processing the payment amount through the cash balance including the charge history in connection with the affiliate cache system.

Cash payment method through heterogeneous account linking according to the present invention, the step of receiving non-face-to-face authentication information for the customer account bridged with the customer account (or cache operating account) from the customer terminal and the ratio provided to the financial company It characterized in that it further comprises the step of processing so that the non-face-to-face transaction validity for the customer account is authenticated through a face-to-face authentication system.

Cash payment method through heterogeneous account linking according to the present invention, receiving the customer account (or cash operating account) information and withdrawal amount information through the external system of the financial company, and the customer account (or cash operating account) Confirming the customer account information and the fund management account information from a storage medium storing the bridged customer account information and the partner's money management account information; and withdrawing the account withdrawal amount from the customer account. Generating a telegram to deposit (or transfer) into an account, and transfer the generated telegram to the account system to withdraw the account withdrawal amount from the client account bridged with the client account (or cache operating account); Processing to deposit (or transfer) to an operational account and depositing (or transferring) in association with the accounting system; ) Generating a transaction history corresponding to the transaction.

In the cache settlement method through heterogeneous account linking according to the present invention, the transaction history is characterized in that it comprises an information structure that can be converted (or replaced) into the charge history of the affiliate cache system.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the cache payment method through the aforementioned heterogeneous account connection.

On the other hand, operating the funds deposited in the funds management account through the accounting system of the financial company that opens and operates the funds management account of one or more customer accounts and affiliate names in accordance with the present invention, and one or more customer accounts (or cash management account) The system for processing a payment by remotely bridging an affiliate cache system, wherein the client terminal requests a payment through one or more affiliate cache systems, recognizing a customer account (or a cache operating account) provided in the affiliate cache system. Withdrawal amount checking means for checking (or calculating) the amount of the account withdrawal for payment processing by replacing (or relaying) with a customer account provided in the accounting system, bridged with a customer account (or a cash management account), and the accounting system with the affiliated cash system Transfer account information (or cash management account) and withdrawal amount information so that the system is bridged Provided by the information transmission means which is characterized in that formed.

On the other hand, operating the funds deposited in the funds management account through the accounting system of the financial company that opens and operates the funds management account of one or more customer accounts and affiliate names in accordance with the present invention, and one or more customer accounts (or cash management account) The system for processing a payment by remotely bridging an affiliate cache system, wherein the affiliate account cache system and the account system are bridged by a payment request through at least one affiliate cache system in a client terminal, and the customer account is transferred from the account system. (Or a cash management account) a history receiving means for withdrawing the account withdrawal amount from the customer account bridged and receiving the transaction details corresponding to the transaction deposited (or transferred) to the fund management account, and reading the transaction history Confirmation of transaction approval confirming transaction approval for the deposit (or transfer) transaction By comprising a stage, and when checking the transaction authorization, history processing means for processing the transaction history to the charging history of the customer account (or cache operation account) provided in the affiliate cache system characterized by comprising.

On the other hand, the bank account system of the financial institution that opens and manages at least one customer account and a fund management account in the name of an affiliated partner according to the present invention, and operates the funds deposited in the money management account through at least one customer account (or a cash management account) The system for bridging the affiliate cache system to remotely handle the payment may include checking a cache balance corresponding to the customer account (or a cache operating account) when the client terminal requests payment through at least one affiliate cache system. Cache payment validity checking means for comparing the cash balance with the payment amount corresponding to the payment request, and bridging a customer account (or a cache operation account) provided in the affiliate cache system with the customer account (or cache operation account); Account amount to be replaced (or relayed) with a customer account provided in the account system Withdrawal amount checking means for checking (or calculating), information transfer means for transmitting customer account (or cash management account) information and account withdrawal amount information to a financial institution's external system, and the customer account (or cash) from the financial institution's external system An account receiving means for withdrawing the account withdrawal amount from a customer account bridged with an operating account) and receiving transaction details corresponding to a transaction deposited (or transferred) into the fund management account; and reading the transaction by reading the transaction details. Or transfer) transaction approval confirmation means for confirming a transaction approval for a transaction and a history processing means for processing the transaction details as a charge history of a customer account (or a cache operating account) provided in the affiliate cache system when confirming the transaction approval. It is characterized by comprising a.

The cache payment system through heterogeneous account linking according to the present invention further comprises payment processing means for processing the payment amount through the cash balance including the charge history in connection with the affiliate cache system. do.

Cash payment system through heterogeneous account connection according to the present invention, the information receiving means for receiving non-face-to-face authentication information for the customer account bridged with the customer account (or cache operating account) from the customer terminal and the financial company Through the non-face-to-face authentication system is characterized in that it further comprises a transaction authentication processing means for processing so that the non-face-to-face transaction validity for the customer account is authenticated.

On the other hand, operating the funds deposited in the funds management account through the accounting system of the financial company that opens and operates the funds management account of one or more customer accounts and affiliate names in accordance with the present invention, and one or more customer accounts (or cash management account) The system for processing payments by remotely bridging the affiliate cache system includes: information receiving means for receiving customer account (or cache operating account) information and withdrawal amount information through the external system of the financial institution; and the customer account. Account checking means for confirming the customer account information and the fund management account information from a storage medium storing the customer account information bridged with the cash management account and the partner's money management account information, and withdrawing the account from the customer account. Full text generating means for generating a full text to withdraw money (or transfer) to the money management account; Transaction processing means for transferring the pre-generated full text to the account system to process the withdrawal (or transfer) of the account withdrawal amount from the customer account bridged with the customer account (or cache operating account) to the money management account; Characterized in that it comprises a history generating means for generating transaction history information corresponding to the deposit (or transfer) transaction.

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

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

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

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

1 is a diagram illustrating a configuration of an account bridge based cache payment system according to an embodiment of the present invention.

In more detail, Figure 1 is associated with an affiliate server 100 (e.g., a shopping mall server) provided in a non-financial affiliate affiliated with a financial company, and is based on the funds deposited in a fund management account of a non-financial affiliate established in the financial company. Affiliate cache system 105 for processing cache-based payments and a financial account accounting system 125 for opening and operating a non-financial partner's fund management account and one or more customer accounts, the affiliate cache system 105 And remotely bridge the accounting system 125 to cache-based payments through the affiliate cache system 105 based on the account bridge without prepaying for the cache balance included in the affiliate cache system 105. Regarding the configuration of a payment system to process, those of ordinary skill in the art to which the present invention pertains, refer to and / or change the drawing 1 In other words, various implementation methods (e.g., some implementations may be omitted, subdivided, or combined) for the account bridge based cache payment system configuration may be inferred. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to Figure 1 according to an embodiment of the present invention, the account bridge-based cash payment system, one or more payment means (eg credit card payment means, check card payment means, debit card payment means, cash card payment means, accounts Affiliate server that processes one or more payments through a payment system (e.g., credit card payment system, check card payment system, debit card payment system, cash card payment system, bank transfer payment system, etc.) And the affiliate server 100 through a communication network to purchase the type / intangible goods sold by the affiliate server 100, and settle a payment amount corresponding to the purchase price of the affiliate server 100. Is connected to the customer terminal 130, the affiliate server 100, and requested to be processed through the payment system provided in the) and opened in the financial company Affiliate cache system 105 that handles cache-based payments based on funds deposited in funds management accounts of established non-financial affiliates, and account accounts of financial institutions that open and operate non-financial affiliates' fund management accounts and one or more customer accounts. And system 125.

The affiliate server 100 sells one or more types or intangible goods through a communication network, and one or more payment means (eg, credit card payment means, check card payment means, debit card payment means, cash card payment means, account transfer). Payment system (e.g., credit card payment system, check card payment system, debit card payment system, cash card payment system, bank transfer payment system, etc.) As a generic term for a server that pays a purchase price, the affiliate server 100 may include a shopping mall server (or an open market server) selling tangible goods, a content providing server selling intangible goods, and a ticket reservation / booking server. It is preferable to include at least one broadcast content providing server, and the like, it is common in the art If you have a formula, because you will be familiar with the technical features of the affiliate server 100 for processing one or more payments through a payment system corresponding to one or more payment means, a more detailed description thereof will be omitted for convenience. .

The client terminal 130 accesses the affiliate server 100 to purchase one or more types or intangible products, and requests payment of a purchase price for the product through a payment system associated with the affiliate server 100. As a generic term for a terminal, the wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a notebook computer connected to a web server, or a mobile communication terminal connected to a code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based high speed Or at least one wireless terminal including at least one portable internet terminal connected to the wireless internet, Group characterized in that comprises a wired communication network or a TV apparatus (not shown) including a two-way communication is possible IP-TV or digital TV or the DMB at least one through any of the communication network of the wireless communication network at least one.

The affiliate cache system 105 is a cache (eg, electronic money or cyber money) that uses a separate monetary unit (or real money unit) based on the funds deposited in a fund management account of a non-financial affiliate established in a financial company. And a set of functional components (or means) for providing a cache payment means for the affiliate server 100 through the cache, the payment means (or customers) of the specific customer of the amount deposited in the fund management account And a cash management account (or customer account) for managing the cash balance converted from the amount of money deposited (or transferred) through the account.

Here, the cash management account (or customer account), the charge history for the cache that converted the amount of money (or transfer) deposited in the funds management account (or transfer) through a payment method (or customer account) of a specific customer in a predetermined currency unit And payment details for the cache used for payment in connection with the affiliate server 100 (or one or more payment systems associated with the affiliate cache system 105) through the charged cache, and corresponding to the charging details. It is preferred that the cache comprises one or more account numbers (or identification numbers) and member IDs (or identification codes) for storing, recording, and managing the cash balance deducting the cache corresponding to the payment details.

According to an exemplary embodiment of the present invention, the affiliate cache system 105 preferably includes a functional set of cache related program codes included in the affiliate server 100.

According to another exemplary embodiment of the present invention, the affiliate cache system 105 preferably includes a functional set of cache related program codes included in the cache server associated with the affiliate server 100.

According to another exemplary embodiment of the present invention, the affiliate cache system 105 may include a cache server associated with the affiliate server 100 or one or more cache related server groups.

The accounting system 125 may open, manage, and operate one or more accounts (eg, deposit / storage, financial accounts for investment banking, securities accounts for stock trading, etc.) established in financial companies affiliated with the non-financial partner. As a general term of a computer system, the accounting system operates in connection with an information system that stores, records, and manages information related to the account operation, and an external system that connects the account system with an external (or other accounting system 125 of another financial company). The account system comprises a ledger D / B for managing the customer ledger for opening, managing, and operating the account and the account ledger for each account (for example, the reception ledger, credit ledger, etc.). It is done.

According to the implementation method of the present invention, the account system 125, the funds management account in the name of the non-financial affiliates is preferably opened, managed, and operated, the cash management account (or customer) in the affiliate cache system 105 It is desirable to open, manage, and operate a customer account in the name of the registered customer.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the account management system 125 in which the funds management account or one or more customer accounts are opened, managed, and operated, and thus will be described in detail. Will be omitted for convenience.

Referring to FIG. 1, the account bridge-based cache payment system may be configured to remotely bridge the affiliate cache system 105 and the account accounting system 125 to a cache balance included in the affiliate cache system 105. In order to process the cache-based payment through the affiliate cache system 105 based on the account bridge without upfront charges, the affiliate terminal cache system 105 associated with the affiliate server 100 is connected to the customer terminal 130. An account bridge associated with the non-financial affiliate's affiliate cache system 105 to remotely bridge the affiliate's affiliate cache system 105 and the financial accounting system 125 when requesting payment through the cash balance through To remotely bridge the system 110 (Account Bridge System), the accounting system 125 of the financial company and the affiliate cache system 105 of the affiliate company; And an account relay system 120 connected to the account system 125 of the financial company, and a gateway connecting the account bridge system 110 and the account relay system 120. It is preferable to further comprise (115).

The account bridge system 110 remotely bridges the affiliate cache system 105 and the account accounting system 125 to establish an account bridge without precharging the cash balance provided in the affiliate cache system 105. Functional component (or means) provided to the non-financial affiliate to interwork with the account relay system 120 provided to the financial company through a communication network to process cache-based payment through the affiliate cache system 105 based on As a generic term, the account bridge system 110 stores an account bridge D / B (e.g., for account bridges) in association with and stores cache operation account (or customer account) information registered in the affiliate cache system 105. A storage medium provided to the financial affiliates), and the non-financial affiliates process payment of the settlement amount using the affiliate cache system 105. And calculating (or confirming) the recharge amount in association with the storage medium 1 in association with the account bridge D / B, and the cash management account (or customer account) through the accounting system 125 of the financial company. After processing the charge amount to be charged to the cache operating account (or customer account) through a bridged customer account, the account accounting system 125 charges from the customer account bridged with the cache operation account (or customer account) When the money is withdrawn and deposited (or transferred) into the partner's fund management account, the transaction information corresponding to the deposit (or transfer) transaction is received from the account accounting system 125 to the affiliate cache system 105. By processing the charge history of the registered cash management account (or customer account), and through the affiliate cache system 105 by using the cash balance corresponding to the charge amount The payment amount is characterized in that the processing to be settled.

According to the exemplary embodiment of the present invention, the account bridge system 110 preferably includes a functional set of account bridge related program codes provided in the affiliate cache system 105.

According to another exemplary embodiment of the present invention, the account bridge system 110 includes a functional set of account bridge-related program codes included in a server (or device) associated with the affiliate cache system 105. desirable.

According to another exemplary embodiment of the present invention, the account bridge system 110 may include one account bridge related server (or device) associated with the affiliate cache system 105 or one or more account bridge related servers (or It is preferred to include a set of devices).

According to an embodiment of the present invention, the account bridge system 110 may be provided in cooperation with the affiliate cache system 105 in an affiliate provided with the affiliate cache system 105 or one or more affiliate caches on a communication network. Some components of the account bridge system 110 may be provided in conjunction with an affiliate cache system 105 in each affiliate, and the other components may be provided to interwork with the system 105 through a communication network, and the remaining components may be provided through each affiliate cache on the communication network. It will be apparent that it is all possible to provide on the communications network in conjunction with the system 105 (or some component provided within the affiliate). In particular, when a part (or all) components of the account bridge system 110 is provided on the communication network, the account bridge system 110 is connected to the affiliate cache system 105 and the account system in an application service provider (ASP) manner. It is desirable to remote bridge the system 125.

The account relay system 120 remotely bridges the affiliate cache system 105 and the account accounting system 125 to establish an account bridge without precharging the balance remaining in the affiliate cache system 105. In order to process the cache-based payment through the affiliate cache system 105 on the basis, the affiliated cache system 105 is provided to the financial institution to be linked to the account bridge system 110 provided in the non-financial affiliates via a communication network Of a functional component (or means) that is processed by the financial institution to replace (or relay) the cash-based payment with a cash transfer-based payment through a customer account bridged with the cash management account (or customer account). Collectively, the account relay system 120 is affiliated to operate the affiliate cache system 105 and the cache operating system (Or customer account) information and the account relay D / B (eg, a storage medium provided to the financial company for the account bridge) for storing the customer account information in association with, the non-financial partner in the affiliate cache system 105 The payment amount information and the cache operation account (or the customer account) to be charged from the account bridge system 110 to the cache operation account (or the customer account) registered in the affiliated cache system 105 at the time of payment processing using the ) Receiving information, confirming customer account information bridged with the cache operating account (or customer account) information in association with the account relay D / B, and withdrawing the recharge amount from the customer account to manage the funds of the affiliated company; A full transaction request for depositing (or transferring) into an account is provided and provided to the accounting system 125 to collect the recharge amount from the customer account. After processing the financial transaction to withdraw (or transfer) the withdrawal (or transfer) to the partner's fund management account, the transaction history information corresponding to the deposit (or transfer) transaction is transmitted to the account bridge system (110). .

According to the method of the present invention, the account bridge system 110 is preferably provided between the accounting system 125 and the external system of the financial company equipped with the accounting system 125, in this case the external system. It is preferable to provide a communication interface for functionally connecting the account relay system 120 and the account bridge system 110 of the non-financial affiliate.

According to the method of the present invention, the account bridge system 110, the non-financial partner in the payment processing of the payment amount using the affiliate cache system 105, the cache-based payment through the affiliate cache system 105 It is preferable that the financial company is linked to a non-face-to-face authentication system (not shown) for processing by replacing (or relaying) the payment with a bank transfer-based payment through a customer account bridged with the cash management account (or customer account). The non-face-to-face authentication system may be configured to execute the cache operation account through at least one of encryption / decryption authentication means, authorized certificate authentication means, one time password (OTP) authentication means, transaction password authentication means, and account password authentication means. Replace (or relay) with wire transfer-based payment through a customer account bridged with a customer account (or client account) To treat a non-face-to-face authentication is preferred.

According to one embodiment of the invention, the account bridge system 110, preferably comprises a functional set of account relay-related program code provided in the computer system constituting the accounting system 125.

According to another exemplary embodiment of the present invention, the account bridge system 110 includes a functional set of account relay-related program codes included in a server (or device) associated with a computer system constituting the accounting system 125. It is preferable to comprise.

According to another embodiment of the present invention, the account bridge system 110, one account relay server (or device) associated with the computerized system constituting the accounting system 125, or one or more account relay It is preferable to include a set of related servers (or devices).

According to the implementation method inferred from the present invention, the account bridge system 110 provided in the non-financial partner can be linked to a plurality of account relay systems 120 provided in a plurality of financial companies, and also provided in the financial company. The account relay system 120 is capable of interworking with a plurality of account bridge systems 110 provided in a plurality of non-financial affiliates, and it will be apparent that the present invention includes all the inferred implementation methods.

It is difficult for the gateway 115 to accept that the account bridge system 110 and the account relay system 120 communicate directly with each other through a communication network (eg, a dedicated network) according to the policy of the financial company (or non-financial affiliate). Or a function provided in the account bridge system 110 (or the account relay system 120) between the account bridge system 110 and the account relay system 120 according to the policy of the financial company (or a non-financial affiliate). If necessary, some of the functional components (or means) provided between the account bridge system 110 and the account relay system 120 to process them, the account bridge system 110 and account relay It performs the function of the gateway 115 connecting the secure communication path between the systems 120, or in the embodiment shown below the account bridge system The system 110 and the account relay system 120 is characterized by performing with some of the functions provided.

For example, when it is difficult to provide an account bridge-based cache payment interface from the affiliate cache system 105 to the customer terminal 130, the account bridge system 110 may transmit the account terminal through the affiliate cache system 105. In step 130, it is preferable to perform a function of providing an account bridge based cache payment interface.

Alternatively, in addition to the non-face-to-face authentication system of the financial company, the account relay system 120 authenticates additional additional authentication means (eg, separate member authentication for account bridge-based cache payment, or wireless authentication through a customer wireless terminal). If it is necessary, it is preferable to perform the authentication function through the separate authentication means.

According to an embodiment of the present invention, when providing the account bridge system 110 to a non-financial partner in an ASP (Application Service Provider) method, the gateway 115 includes all the functions of the account bridge system 110. It will be apparent that the present invention comprises the account bridge system 110 of the ASP method.

2 is a diagram illustrating an account registration system for account bridge based cache payment according to an embodiment of the present invention.

In more detail, FIG. 2 shows that when the client terminal 265 accesses the account registration server 200 through a communication network, the account registration server 200 establishes a remote account bridge between the affiliate cache system 255 and the account relay system. Provides an account registration interface for the customer terminal 265, the customer account information registered in the affiliate cache system 255 through the account registration interface in the customer terminal 265 and a customer account registered in the accounting company of the financial company; When the account registration information including information is input (or selected) and transmitted, the account registration server 200 remotely bridges the affiliate cache system 255 and the account relay system through the account registration information. Specifically, the customer terminal 265 is a Hyper-Text Transfer Protocol (HTTP) compatible program through one or more browser programs. A terminal function for accessing the account registration server 200 by using a call, and the account registration server 200 includes a server function for providing an account registration interface in the form of a web page to the customer terminal 265. It shows the method of implementation.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the configuration of the account registration system for the account bridge-based cache payment by referring to and / or modifying this figure 2. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, the customer terminal 265 has a separate program provided with the account registration interface, and the account registration server 200 receives the account registration information through a program provided in the customer terminal 265. It is possible to have a function of remotely bridging the affiliate cache system 255 and the account relay system, and it is apparent that the present invention includes the inferable implementation method.

Referring to FIG. 2 according to the embodiment of the present invention, the account registration system for the account bridge-based cache payment, the customer terminal 265 having one or more browser programs, and connected to the communication network through the browser program, Is connected to the customer terminal 265 through the communication network, and when accessing through the communication network from the customer terminal 265, the account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system; If the customer terminal 265 is provided to the customer terminal 265 and the account registration information is input (or selected) through the account registration interface, the account registration information is transferred to the affiliate cache system 255 and the account relay through the account registration information. It comprises a account registration server 200 for bridging the system remotely.

However, in FIG. 2, the account registration server 200 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the account registration server 200 may have two or more components for each component. It is possible to include a functional name implemented in the form of a program code set or a server group, and the present invention is characterized in that it includes all the inferred implementation methods.

According to an embodiment of the present invention, the account registration server 200 may include a functional name included in any one of the affiliate server, the affiliate cache system 255, and the account bridge system shown in FIG. It is preferable to include the functional name of the server associated with any one of the affiliate server, affiliate cache system 255, the account bridge system shown in FIG.

The customer terminal 265 is connected to 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), cable communication network). A mobile communication terminal including at least one wired terminal including a desktop computer or a notebook computer connected to the account registration server 200 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP-TV including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired or wireless communication networks. Or at least one TV device (not shown) including at least one digital TV or at least one DMB. And a browser program for receiving and outputting a web page including an account registration interface for remote account bridge between the affiliate cache system 255 and the account relay system through the communication network. do.

Those skilled in the art will be familiar with the technical features of the customer terminal 265 that includes one or more of the wired terminal or wireless terminal or TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the account registration server 200 includes web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 265. Characterized in that it comprises a database for storing the database, characterized in that the database is provided in a Database Management System (DBMS) associated with the account registration server 200.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided from the account registration server 200 to the customer terminal 265. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 265 may include It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, a web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided to the customer terminal 265 by the account registration server 200. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page contents) may be included. In this case, the web page provided to the customer terminal 265 may include one or more web pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

Referring to FIG. 2, the account registration server 200 provides a web page to the customer terminal 265 using an HTTP compatible protocol corresponding to the communication network, or based on a web page provided to the customer terminal 265. It characterized in that it comprises a web interface unit 205 for connecting and managing a web interface for receiving (or selected) a variety of information input (or selected) from the customer terminal 265.

According to an embodiment of the present invention, when the customer terminal 265 is a wired terminal in which a communication channel is connected through a wired communication network based on TCP / IP, the web interface unit 205 may communicate with the customer terminal 265 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 265 through the communication channel. It is preferable to interface so that a web page in the form of) is provided or to receive the information input from the customer terminal 265 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the customer terminal 265 is a wireless terminal in which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 205 may communicate with the customer terminal 265 and CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 265 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or so that the information input from the customer terminal 265 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 265 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 205 may be connected to the customer terminal 265 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or interface so that the information input from the customer terminal 265 is received in a GET / POST method.

Referring to FIG. 2, when the account registration server 200 accesses the account registration server 200 through the web interface unit 205 and requests an account bridge from the client terminal 265, the webpage operates. The web page operating unit 210 (or web page operating unit) for generating (or extracting) a web page to be provided to the customer terminal 265 based on the data, and in connection with the web page operating unit 210 In the generated (or extracted) web page is provided with an interface providing unit 215 (or interface providing means) including an account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system Characterized in that, the web page management unit 210 is processed in connection with the web interface unit 205 to provide the generated (or extracted) web page to the customer terminal 265. It features.

When the client terminal 265 accesses the account registration server 200 through the web interface unit 205 and requests an account bridge, the webpage operation unit 210 responds to the account bridge request. Identify a webpage link to be provided to 265, identify a webpage source and web content for generating (or extracting) a webpage corresponding to the identified webpage link from the webpage operation data, and confirming And generating (or extracting) a web page to be provided to the customer terminal 265 using the web page source and the web content.

When the web page operation unit 210 generates (or extracts) a web page to be provided to the customer terminal 265, the generated web page is generated between the affiliate cache system 255 and the account relay system. In the case of a web page for providing a remote account bridge, the interface providing unit 215 is provided to the customer terminal 265 including the account registration interface on the web page in association with the web page operation unit 210. It is characterized in that the processing.

According to an embodiment of the present invention, the account registration interface preferably comprises a user interface for inputting (or selecting) account registration information through one or more form forms, and in the technical field to which the present invention pertains. Those skilled in the art will be familiar with the technical features of the form form for inputting (or selecting) the account registration information in the customer terminal 265 based on the information attribute of the account registration information. Detailed description of the form form corresponding to the account registration interface in FIG. 2 will be omitted for convenience.

Here, the account registration interface preferably comprises a user interface for inputting (or selecting) customer account information registered in the affiliate cache system 255 and customer account information registered in the accounting company of the financial company.

According to an embodiment of the present invention, the account registration interface, in addition to the customer account information and customer account information, the personal information of the customer (eg, customer name, social security number), customer wireless terminal information (eg, customer mobile phone number) It is preferable to comprise at least one more.

The client terminal 265 provided with the webpage including the account registration interface inputs (or selects) account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system through the account registration interface. And it is characterized in that for transmitting the input (or selected) account registration information to the account registration server 200 through a GET / POST method.

Referring to FIG. 2, when the account registration server 200 inputs (or selects) and transmits account registration information through the account registration interface in the customer terminal 265, the account registration server 200 is associated with the web interface unit 205. Validity of verifying the validity of the received account registration information in connection with the information receiving unit 220 (or information receiving means) for receiving the account registration information and the affiliated cache system 255 and the account system 250. Characterized in that it comprises a confirmation unit 225 (or validation means).

When the customer terminal 265 inputs (or selects) account registration information through the account registration interface and transmits the information through the GET / POST method, the information receiver 220 is connected to the web interface unit 205 to transmit the account registration information. Receive account registration information.

According to an embodiment of the present invention, the account registration information may include customer account information registered in the affiliate cache system 255 and customer account information registered in the accounting company of the financial company. It is preferable that the personal information and customer wireless terminal information for the customer corresponding to the customer account 0 is further included.

Here, the customer account information, customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 255 As the number, it is preferable that the member ID information of the customer is included.

According to an embodiment of the present invention, the customer account information is an amount deposited (or transferred) through a payment means (or a customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cache system 255. It is preferable to perform the function of the identification code for storing, recording, and managing the cash balance converted into the currency unit.

According to another exemplary embodiment of the present invention, the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cash system 255 in the currency unit Storing, recording, and managing the converted cash balance can be processed through a separate cash management account in addition to the customer account.

The customer account information may include an account number and financial company information corresponding to a real account opened under the customer's name in a financial institution affiliated with a non-financial company affiliated with the affiliated cash system 255.

The customer personal information preferably includes an affiliate cache system 255 provided in the non-financial affiliate and a unique customer identification information capable of identifying a specific customer in the account relay system provided in the financial institution.

For example, the customer personal information preferably includes the name and resident registration number of the customer, and the customer personal information includes the member information D / B (not shown) of the affiliate cache system 255 and the customer of the account relay system. It is desirable to match the customer name and social security number stored in the ledger.

The customer wireless terminal information is a general term for wireless terminal identification information for performing a function of the wireless communication means or wireless authentication means of the customer, and preferably includes the mobile phone number of the customer.

When the account registration information is received through the information receiving unit 220, the validity checking unit 225 is the affiliate cache system 255 provided in the non-financial affiliates based on the customer account information included in the account registration information ) And confirming that the customer account information is valid.

If the account personal information is further included in the account registration information, the validity verification unit 225 preferably uses the customer personal information to check whether the customer account information is valid.

In addition, the validity verification unit 225 checks whether the customer account information is valid in connection with the account system 250 through an external system provided in the financial company based on the customer account information included in the account registration information. It is characterized by.

If the account personal information is further included in the account registration information, the validity verification unit 225 preferably uses the customer personal information to check whether the customer account information is valid.

Referring to FIG. 2, when the account registration server 200 stores, records, and manages a cash balance in the affiliate cache system 255 through a cache operating account in addition to the customer account, the non-financial affiliates operate the funds. Generate account information for storing, recording, and managing account information for storing, recording, and managing a cash balance of the amount deposited (or transferred) through a payment method (or customer account) of a specific customer among the amounts deposited in the account An account registration processing unit which processes the unit 230 (or account information generating means) and the generated account information into cache operating account information that is remotely bridged with the customer account, and registers the registered account in the affiliate cache system 255 ( 235 (or account registration processing means).

When the affiliate cache system 255 stores, records, and manages the cash balance in addition to the customer account through the cache management account, when the validity of the account registration information is confirmed by the validity verification unit 225, the account The information generating unit 230 stores a cash balance in which the amount of money deposited (or transferred) through a payment method (or a customer account) of a specific customer among the amounts deposited in the fund management account of the non-financial partner is converted into the monetary unit. Generate unique account information for recording, recording and management.

Here, the account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 255, the account number system is remote from the customer account provided in the financial company It is preferable to include a virtual account number system for bridging.

According to an embodiment of the present invention, the account information includes one or more affiliate identification numbers for identifying the non-financial affiliates, one or more financial company identification numbers for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable.

When the account information is generated through the account information generation unit 230, the account registration processing unit 235 processes the generated account information as cache operating account information that is remotely bridged with a customer account provided at the financial company. It is characterized in that the registration processing to the cache operating account of the affiliate cache system (255).

If the affiliate cache system 255 includes the pre-registered cache account information for its own cash payment, the account registration processing unit 235 is cache operating account information that is remotely bridged the cache account information with the customer account It is preferable to replace with.

Referring to FIG. 2, the account registration server 200 may deposit (or transfer) payments through a payment means (or customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cache system 255. An account provided to the non-financial affiliate by linking customer account (or cache operating account) information and customer account information (eg, account number and financial company information) to store, record, and manage the cash balance converted from the monetary amount. It is processed to be stored in the bridge D / B (245), and the account relay provided to the financial company by linking the customer account (or cache operating account) information, the customer account information and the affiliate information provided with the affiliate cache system 255 And an information storage unit 240 (or information storage means) for processing to be stored in the D / B 260, wherein the customer account information and the cache operation account information are both One is stored, or it is possible that the high saving all customer account information, account information and cache operations.

The information storage unit 240 is a payment method (or a specific customer of the amount deposited in the fund management account in the affiliate cache system 255 for the remote account bridge between the affiliate cache system 255 and the account relay system) Customer account (or cache operating account) information and customer account information (e.g., account number and financial company information) that stores, records, and manages the cash balance converted from the amount deposited (or transferred) through the customer account into the currency unit. It is characterized in that for storing in the account bridge D / B (245) (for example, the storage medium provided in the non-financial partner for the account bridge) provided in the non-financial partner affiliate, the customer account information and the cash management account Either one of the information may be stored, or both the customer account information and the cache operation account information may be stored.

If the account registration information received through the information receiving unit 220 includes one or more customer personal information and customer wireless terminal information, the information storage unit 240 to the account bridge D / B (245) It is desirable to further store customer personal information and customer wireless terminal information in association.

According to the embodiment of the present invention, the account bridge D / B 245 is preferably provided in the account bridge system, or in the non-banking affiliates that can be linked through the network in the account bridge system.

In addition, the information storage unit 240 is a payment means of a specific customer of the amount deposited in the funds management account in the affiliate cache system 255 for the remote account bridge between the affiliate cache system 255 and the account relay system Customer account (or cache operating account) information and customer account information and the affiliate cache system 255 for storing, recording, and managing the cash balance converted from the amount of money deposited (or transferred) through the (or customer account) into the currency unit. ) Is stored in the account relay D / B (260) (for example, a storage medium provided to the financial company for the account bridge) provided in connection with the partner information provided in the financial company, the customer account information and the cache Either one of the operating account information is stored, or both the customer account information and the cache operating account information may be stored.

If the account registration information received through the information receiving unit 220 includes one or more customer personal information and customer wireless terminal information, the information storage unit 240 to the account relay D / B (260) It is desirable to further store customer personal information and customer wireless terminal information in association.

According to the implementation method of the present invention, the account relay D / B 260 is preferably provided in the account bridge system, or in the non-banking affiliates that can be linked through the network in the account bridge system.

According to the present invention, the customer account (or cache operating account) information and the customer account information is stored in the account bridge D / B (245) provided in the non-financial partner affiliate, the account relay D / After the B (260) is stored in association with the customer account (or cache operating account) information, the customer account information and the affiliate information provided with the affiliate cache system 255, the account bridge system provided to the non-financial affiliates With reference to the account bridge D / B (245) interlocked with the account relay system provided to the financial company, the account relay system provided to the financial company is provided to the non-financial affiliates with reference to the account relay D / B (260) By interworking with the established account bridge system, the non-financial affiliates at the time of payment processing of the payment amount using the affiliate cache system 255, the affiliate cache system ( 255) and remotely bridge the account accounting system 250 to cache-based payment through the affiliate cache system 255 based on the account bridge without prepayment for the cache balance included in the affiliate cache system 255. It is characterized by processing.

3 is a diagram illustrating a process of transmitting and receiving account registration information for a remote account bridge between an affiliate cache system 255 and an account relay system according to an embodiment of the present invention.

In more detail, Figure 3 is connected to the account registration server 200 shown in Figure 2 using an HTTP-compatible protocol in the customer terminal 265 having one or more browser programs to affiliate cache system 255 and account When requesting an account registration interface for a remote account bridge between relay systems, the customer terminal 265 including the account registration interface in a web page provided by the account registration server 200 to the customer terminal 265 in response thereto. In this regard, the present invention relates to a process of inputting (or selecting) account registration information through the account registration interface in the customer terminal 265 and transmitting the account registration information to the account registration server 200. Those skilled in the art can refer to and / or modify this drawing to modify the affiliate cache system 255 and the account relay system. Various implementation methods for the process of transmitting and receiving account registration information for a remote account bridge between systems may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 3, the customer terminal 265 shown in FIG. 2 is referred to as "terminal" for convenience, and the account registration server 200 is referred to as "server" for convenience.

Referring to FIG. 3, the terminal accesses the server through a communication network, connects a communication channel through an HTTP compatible protocol (300), and transmits a webpage link to the server through the communication channel to display one or more webpages. Request 305, and correspondingly, the server generates (or extracts) a web page corresponding to the web page link (310).

If the web page is generated (or extracted), the server does not provide an account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system through the web page (315). (Or extracted) the webpage is transmitted to the terminal through the communication channel and output (320), and the terminal then selects (or clicks) any one or more webpage links included in the webpage to Repeat the process to send to the server.

On the other hand, when generating (or extracting) the web page, if the account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system is provided through the web page (315), the server generates the (Or extracted) a web page including an account registration interface for remote account bridge between the affiliate cache system 255 and the account relay system in the extracted web page (325) and including the account registration interface via the communication channel. The page is transmitted to the terminal and output (330).

According to an embodiment of the present invention, the account registration interface preferably comprises a user interface for inputting (or selecting) account registration information through one or more form forms, and in the technical field to which the present invention pertains. Those skilled in the art will be familiar with the technical features of the form form for inputting (or selecting) the account registration information in the customer terminal 265 based on the information attribute of the account registration information. In FIG. 3, a detailed description of the form form corresponding to the account registration interface will be omitted for convenience.

Here, the account registration interface preferably comprises a user interface for inputting (or selecting) customer account information registered in the affiliate cache system 255 and customer account information registered in the accounting company of the financial company.

According to an embodiment of the present invention, the account registration interface, in addition to the customer account information and customer account information, the personal information of the customer (eg, customer name, social security number), customer wireless terminal information (eg, customer mobile phone number) It is preferable to comprise at least one more.

Thereafter, the terminal checks whether the account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system is input (or selected) through the account registration interface included in the web page (335).

If the terminal does not input (or select) account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system (340), the terminal may include one or more web pages included in the web page. The process of selecting (or clicking) one of the links and transmitting it to the server is repeated.

On the other hand, if the terminal registers (or selects) account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system (340), the terminal inputs (or selects) through the account registration interface. The account registration information is transmitted to the server through the communication channel (345).

According to an embodiment of the present invention, the account registration information may include customer account information registered in the affiliate cache system 255 and customer account information registered in the accounting company of the financial company. It is preferable that the personal information and customer wireless terminal information for the customer corresponding to the customer account 0 is further included.

Here, the customer account information is a customer identification number for identifying the amount deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the fund management account, the member ID of the customer It is preferable to include information.

According to an embodiment of the present invention, the customer account information is deposited (or transferred) through a payment means (or customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cash system 255. It is preferable to perform the function of the identification code for storing, recording, and managing the cash balance converted from the monetary amount to the monetary unit.

According to another exemplary embodiment of the present invention, the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer among the amounts deposited in the fund management account in the affiliate cash system 255 in the currency unit Storing, recording, and managing the converted cash balance can be processed through a separate cash management account in addition to the customer account.

The customer account information may include an account number and financial company information corresponding to a real account opened in the name of the customer in a financial institution affiliated with a non-financial affiliate provided with the affiliate cache system 255.

The customer personal information preferably includes an affiliate cache system 255 provided in the non-financial affiliate and a unique customer identification information capable of identifying a specific customer in the account relay system provided in the financial institution.

For example, the customer personal information preferably includes the name and resident registration number of the customer, and the customer personal information includes the member information D / B (not shown) of the affiliate cache system 255 and the customer of the account relay system. It is desirable to match the customer name and social security number stored in the ledger.

The customer wireless terminal information is a general term for wireless terminal identification information for performing a function of the wireless communication means or wireless authentication means of the customer, and preferably includes the mobile phone number of the customer.

4 is a diagram illustrating a remote account bridge process between an affiliate cache system 255 and an account relay system according to an exemplary embodiment of the present invention.

In more detail, in FIG. 4, when the customer terminal 265 inputs (or selects) and transmits the account registration information through the account registration interface, the account illustrated in FIG. 2 is transmitted through the process illustrated in FIG. 3. The process of remotely bridging the affiliate cache system 255 and the account relay system through the account registration information in the registration server 200, specifically, the affiliate cache system in the customer account information included in the account registration information. To store, record, and manage the cash balance converted from the amount deposited (or transferred) through the payment means (or the customer's account) of the specific customer among the amounts deposited in the fund management account within 255. When the function of the identification code is included, the account bridge D / B provided to the non-financial partner by linking the customer account information and the customer account information (2 45) and the process of storing the affiliate information, the customer account information, and the customer account information in the account relay D / B 260 provided in the financial company.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to infer various implementation methods for the remote account bridge process between the affiliate cache system 255 and the account relay system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 4, the customer terminal 265 shown in FIG. 2 is referred to as "terminal" for convenience, and the account registration server 200 is referred to as "server" for convenience.

Referring to FIG. 4, when the terminal inputs (or selects) and transmits the account registration information through the account registration interface through the process illustrated in FIG. 3, the account registration server 200 may communicate with the user through a communication channel. The account registration information is received 400, and the validity of the received account registration information is verified 405.

According to an embodiment of the present invention, the server checks whether the customer account information is valid in association with the affiliate cache system 255 provided in the non-financial affiliate based on the customer account information included in the account registration information. Preferably, if the customer personal information is further included in the account registration information, the server preferably checks whether the customer account information is valid using the customer personal information.

In addition, the server checks whether the customer account information is valid in connection with the account system 250 through the external system provided in the financial institution based on the customer account information included in the account registration information, When the customer personal information is further included in the account registration information, the server preferably checks whether the customer account information is valid using the customer personal information.

If the validity of the account registration information is not confirmed (410), the server generates account registration validity error information and transmits it to the terminal (415).

On the other hand, if the validity of the account registration information is confirmed (410), the server deposits (or through the payment means (or customer account) of a specific customer of the amount deposited in the fund management account in the affiliate cache system 255 (or Account bridge D / A provided in the non-financial partner by linking customer account information (for example, account number and financial company information) that stores, records, and manages the cash balance converted from the transferred amount into the monetary unit. Store (420) (e.g., a storage medium provided to a non-financial affiliate for account bridge), and store the customer account information, the customer account information, and the affiliate information provided with the affiliate cache system 255; In association with the financial institution, the account relay D / B 260 (eg, a storage medium provided to the financial institution for the account bridge) is stored (425).

If the account registration information includes one or more of the customer personal information and the customer wireless terminal information, the server in the account bridge D / B 245 and the account relay D / B (260) the customer personal information and the customer It is desirable to store the radio terminal information in further association.

According to another exemplary embodiment of the present invention, the process of linking the customer account information and the customer account information is stored in the account bridge D / B 245, the customer account information, the customer account information and the affiliate information by linking the The process of storing in the account relay D / B 260 can be changed in the order other than the order shown in Figure 4, or stored in a cross manner, thereby not limiting the present invention.

5 is a diagram illustrating a remote account bridge process between the affiliate cache system 255 and the account relay system according to another exemplary embodiment of the present invention.

In more detail, in FIG. 5, when the customer terminal 265 inputs (or selects) and transmits the account registration information through the account registration interface through the process illustrated in FIG. 3, the account illustrated in FIG. 2 is transmitted. The process of remotely bridging the affiliate cache system 255 and the account relay system through the account registration information in the registration server 200, specifically, deposited in the fund management account within the affiliate cache system 255. Generate a cash management account information for storing, recording, and managing the cash balance converted from the amount of money (or transfer) received through a payment method (or customer account) of a specific customer out of the amount of money to be made, and the cache operation The account information and the customer account information are linked and stored in the account bridge D / B 245 provided in the non-financial partner, and the affiliate information and the cache are stored. A diagram illustrating a process of storing in the relay account D / B (260) provided in the financial institution by connecting the zero customer account information and account information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for the remote account bridge process between the affiliate cache system 255 and the account relay system. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to include both the customer account information and the cache operating account information including the account bridge D provided in the non-financial affiliate. It may be inferred to implement the method of storing in / B (245), and in the account relay D / B (260) provided in the financial institution, but it is apparent that the present invention includes all the inferred implementation method It is to be revealed.

Hereinafter, in FIG. 5, the customer terminal 265 shown in FIG. 2 is referred to as "terminal" for convenience, and the account registration server 200 is referred to as "server" for convenience.

Referring to FIG. 5, when the terminal inputs (or selects) and transmits the account registration information through the account registration interface through the process illustrated in FIG. 3, the account registration server 200 may communicate with the user through a communication channel. The account registration information is received 500, and the validity of the received account registration information is verified 505.

According to an embodiment of the present invention, the server checks whether the customer account information is valid in association with the affiliate cache system 255 provided in the non-financial affiliate based on the customer account information included in the account registration information. Preferably, if the account registration information further includes the customer personal information, it is preferable that the server checks whether the customer account information is valid using the customer personal information.

In addition, it is preferable that the server checks whether the customer account information is valid in connection with the account system 250 through an external system provided in the financial company based on the customer account information included in the account registration information. If the account registration information further includes the customer personal information, it is preferable that the server checks whether the customer account information is valid using the customer personal information.

If the validity of the account registration information is not confirmed (510), the server generates account registration validity error information and transmits it to the terminal (515).

On the other hand, if the validity of the account registration information is confirmed (510), the server bridges the customer account corresponding to the customer account information included in the account registration information (or a customer account of the customer name opened in the financial company) remotely Generate the cache management account information to be (520), and registers the generated cache management account information to the affiliate cache system 255 provided in the non-financial affiliates (525).

If the cash management account is registered in the affiliate cash system 255 provided in the non-financial affiliate, the server may settle the payment of a specific customer among the amounts deposited in the fund management account in the affiliate cache system 255. Linking customer account information (e.g. account number and financial company information) with cash management account information (e.g., account number and financial company information) that stores, records, and manages the cash balance converted from the deposit (or transfer) amount by means (or customer account) into the currency. And store in the account bridge D / B 245 (eg, a storage medium provided in the non-financial partner for the account bridge) provided to the non-financial partner (535), and the cache operating account information and the customer account information and the Affiliate cache system 255 is linked to the partner information provided in the account relay D / B (260) (e.g., storage medium provided to the financial company for the account bridge) Save (540).

If the account registration information includes one or more of the customer personal information and the customer wireless terminal information, the server in the account bridge D / B 245 and the account relay D / B (260) the customer personal information and the customer It is desirable to store the radio terminal information in further association.

According to another exemplary embodiment of the present invention, a process of linking the cache operating account information and the customer account information to store in the account bridge D / B 245, and linking the cache operating account information, the customer account information, and the affiliate information In the process of storing the account relay D / B 260 in addition to the order shown in FIG. 5, the order may be changed or stored in a cross manner, and the present invention is not limited thereto.

6 illustrates a remote account bridge based cache payment system between an affiliate cache system 605 and an accounting system 693 according to an embodiment of the present invention.

In more detail, Figure 6 is connected to the affiliate server 600 having an affiliate cache system 605 in the customer terminal 695 to purchase one or more types or intangible goods, the purchase price for the purchased product Request to make a payment through the affiliate cache system 605, provide an account bridge based cache payment interface for account bridge based cache payment to the customer terminal 695, and based on the account bridge at the customer terminal 695. When the payment request information is input (or selected) through the cash payment interface, the payment request information is used to remotely connect the affiliate cache system 605 provided to the non-financial affiliate and the account system 669 provided to the financial company through the payment request information. A system configuration for processing a payment amount corresponding to the purchase price by bridging, specifically, the affiliate cache When the payment is processed through the cash balance corresponding to the customer account (or the cache operating account) of the system 605, if the cash balance is larger than the payment amount, the payment is processed through the cash balance, and the cash balance is If it is insufficient, the payment amount by the account transfer method by replacing (or relaying) the customer account (or cache operating account) provided in the affiliate cache system 605 with the customer account bridged with the customer account (or cache operating account). Payment processing, and the payment processing result is reflected in the affiliate cache system 605.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to provide a variety of remote account bridge based cache payment system configurations between the affiliate cache system 605 and the accounting system 693. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 6 according to an embodiment of the present invention, a remote account bridge based cache payment system between the affiliate cache system 605 and the account accounting system 693 includes one or more browser programs, and through the browser program. One or more types or intangibles of the customer terminal 695 connected to the communication network and the customer terminal 695 through the communication network, and when connected through the communication network from the customer terminal 695 to the customer terminal 695. Cache-based payment for the payment amount of the goods sold in the affiliate server 600 based on the funds deposited in the affiliate operating server 600 and the non-financial affiliated funds management account opened at the financial institution; Affiliate cache system 605 to process and payment for the purchase price for goods purchased in the customer terminal 695 through the affiliate cache system 605 Request to provide an account bridge-based cache payment interface for the account bridge-based cache payment to the client terminal 695, and input payment request information through the account bridge-based cache payment interface in the client terminal 695 (or Select and transmit, the cash balance is compared with the payment amount, and if the cash balance is greater than the payment amount, the payment is processed through the cash balance, but if the cash balance is insufficient, the affiliate cache system The customer account (or cash management account) provided at 605 is replaced (or relayed) with the customer account bridged with the customer account (or cash management account) to process the payment amount by the account transfer method, and the payment Account bridge server 610 (= function of account bridge system) to reflect the processing result to the affiliate cache system 605 Name) and an account relay server 685 (= account relay system) provided at a financial institution to work with an account bridge server 610 for remote account bridge based cache payments between the affiliate cache system 605 and the account accounting system 693. Functional name), and the account management system (693) for operating a non-financial partner's fund management account and one or more customer accounts.

6, the account bridge server 610 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the account bridge server 610 may include two or more account bridge servers. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account bridge server 610 corresponds to the functional name of the account bridge system shown in FIG. 1 and is not limited to the physical name.

The customer terminal 695 may be configured through a transmission control protocol / Internet protocol (TCP / IP) based wired communication network (eg, an Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or a cable communication network). A mobile communication terminal including at least one wired terminal including a desktop computer or a notebook computer connected to the account bridge server 610 or connected to a code division multiple access (CDMA) based mobile communication network, or IEEE IP-TV including at least one wireless terminal including at least one or more portable Internet terminals connected to the 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired or wireless communication networks. Or at least one TV device (not shown) including at least one digital TV or at least one DMB. And a browser program for receiving and outputting a web page including an account bridge-based cache payment interface for the account bridge-based cache payment through the communication network.

Persons of ordinary skill in the art to which the present invention pertains know the technical features of the customer terminal 695 including at least one of the wired terminal or the wireless terminal or a TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 610 may include web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 695. Characterized in that it comprises a database for storing the database, characterized in that the database is provided in a Database Management System (DBMS) associated with the account bridge server 610.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided to the customer terminal 695 from the account bridge server 610. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 695 may include the It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, the web page source included in the web page operation data may include a web document source file corresponding to a web page to be provided to the customer terminal 695 from the account bridge server 610. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page contents) may be included. In this case, the web page provided to the customer terminal 695 may include one or more tag pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

According to another exemplary embodiment of the present invention, the webpage operation data is in addition to the account bridge server 610 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 695. It may be provided in any one of the affiliate server 600, affiliate cache system 605, gateway 683, the present invention is the web page operation data is the affiliate server 600, affiliate cache system 605 It should be clear that the method includes any implementation method provided in any one of the gateways 683.

According to an embodiment of the present invention, the account bridge server 610 stores and stores the customer account (or cache operating account) information and the customer account information registered through the account registration system shown in FIG. It is preferable to have an account bridge D / B 680 for storing information and at least one wireless terminal information in association with each other, or to interwork through a network. Or store the cash balance information corresponding to the cash management account) in addition, or further recommend the withdrawal amount information and the withdrawal limit amount information corresponding to the customer account information bridged with the customer account (or the cash management account) remotely. It is desirable to store in conjunction.

Here, the cash balance information includes balance information of caches stored, recorded, and managed through the customer account (or a cash management account) among the amounts deposited in the fund management account in the affiliate cache system 605. desirable.

According to the exemplary embodiment of the present invention, the cash balance information may be calculated by subtracting the cash corresponding to the payment history from the cache corresponding to the charge corresponding to the customer account (or the cache operating account) of the affiliate cache system 605. In this case, since the cash balance is not pre-charged separately in FIG. 6, the cash balance does not withdraw more than the amount required for payment from the customer account (or the cash management account) in the previous payment process. In this case, the cash balance preferably comprises '0'.

According to another embodiment of the present invention, when the account balance server 610 checks the cash balance through the affiliate cache system 605, the cache balance information may be omitted in the account bridge D / B 680. The present invention is not limited thereto.

The recommended withdrawal amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 605. As the amount to recommend (or transfer) to the fund management account, the recommended withdrawal amount is preferably set by the customer or according to the policy of the account bridge server 610, according to the intention of the skilled person It can be omitted.

The withdrawal limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner pays the payment amount using the affiliate cash system 605. As the limit amount to be deposited (or transferred) into the fund management account, the withdrawal limit amount preferably includes one or more limit amounts of one-time limit amount, daily limit amount, weekly limit amount, and monthly limit amount.

If the recommended withdrawal amount information and withdrawal limit amount information are stored in the account relay D / B provided to the financial company, the recommended withdrawal amount information and withdrawal limit amount information is stored in the account bridge D / B 680. It is possible to omit it, thereby not limiting the present invention.

Referring to FIG. 6, the account bridge server 610 provides a web page to the customer terminal 695 using an HTTP compatible protocol corresponding to the communication network, or based on a web page provided to the customer terminal 695. It characterized in that it comprises a web interface unit 615 for connecting and managing a web interface for receiving (or selected) a variety of information input (or selected) from the customer terminal (695).

According to an embodiment of the present invention, when the customer terminal 695 is a wired terminal in which a communication channel is connected through a TCP / IP-based wired communication network, the web interface unit 615 may communicate with the customer terminal 695 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 695 through the communication channel. It is preferable to interface so that a web page of a form of) is provided or to receive information input from the customer terminal 695 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the customer terminal 695 is a wireless terminal to which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 615 may communicate with the customer terminal 695 and the CDMA. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 695 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or so that the information input from the customer terminal 695 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 695 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 615 communicates with the customer terminal 695 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or the information input from the customer terminal 695 is preferably interfaced to be received in a GET / POST method.

According to another exemplary embodiment of the present invention, the web interface unit 615 provides the account bridge server 610 according to a location of providing an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 695. In addition to the affiliate server 600, the affiliate cache system 605, the gateway 683 may be provided in any one of the present invention, the web interface unit 615 is the affiliate server 600, affiliates It is apparent that all the implementation methods included in the cache system 605 and the gateway 683 are included.

Referring to FIG. 6, the customer terminal 695 accesses an affiliate server 600 having an affiliate cache system 605 to purchase one or more types or intangible products, and purchases a purchase price for the purchased product. When requesting payment through the affiliate cache system 605, the account bridge server 610 generates (or extracts) a web page to be provided to the customer terminal 695 based on the web page operation data. Account bridge based cache payment for the account bridge based cache payment on the web page generated by the web page management unit 620 (or web page operation means) and the web page management unit 620 (or extracted) And an interface providing unit 625 (or an interface providing unit) including an interface, and the web page operating unit 620 includes the web interface. In connection with the unit 615, the generated (or extracted) web page is characterized in that the processing to be provided to the customer terminal (695).

According to another exemplary embodiment of the present invention, the webpage operation unit 620 and the interface provider 625 provide an account bridge based cache payment interface for the account bridge based cache payment to the customer terminal 695. In addition to the account bridge server 610, it is possible to be provided in any one of the affiliate server 600, affiliate cache system 605, gateway 683, the present invention is the web page operation unit 620 It is apparent that the interface providing unit 625 includes all implementation methods provided in any one of the affiliate server 600, the affiliate cache system 605, and the gateway 683.

A payment means for accessing an affiliate server 600 having an affiliate cache system 605 in the customer terminal 695 to purchase one or more types or intangible products, and to process a purchase price for the purchased product. When the payment request corresponding to the purchase price is requested to be paid through the affiliate cache system 605 based on a payment method selection interface for selecting a payment, the web page operation unit 620 may execute the affiliate cache system 605. A web page link to be provided to the client terminal 695 for remote account bridge based payment processing between the account system and the system 693, and generates a web page corresponding to the confirmed web page link from the web page operation data. Identify the webpage source and web content for (or extract) and use the identified webpage source and web content to It characterized in that to generate the Web page to be provided to the terminal 695 (or the extract).

When the web page operation unit 620 generates (or extracts) a web page to be provided to the customer terminal 695 for remote account bridge based payment processing between the affiliate cache system 605 and the account accounting system 693, The interface providing unit 625 may be configured to include the account bridge based cache payment interface on the web page to be provided to the customer terminal 695 in connection with the web page operation unit 620.

According to an embodiment of the present invention, the account bridge based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 695 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 6 will be omitted for convenience.

In this case, the account bridge-based cache payment interface is preferably made to include the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 605, and displays the payment amount corresponding to the purchase price And, it is preferable to further display the customer account (or cache operating account) information for the cash balance, it is preferable to further comprise the shopping cart information for the purchase goods according to the intention of the skilled person.

In addition, the account bridge-based cache payment interface, if the cash balance for payment processing is insufficient, the customer account (or cache operating account) provided in the affiliated cache system 605, the customer account (or cache operation) It is preferable to further include a withdrawal amount input interface for inputting the withdrawal amount information for processing the payment amount by replacing (or relaying) with a customer account bridged with the account); The interface preferably displays the recommended withdrawal amount information.

In addition, the account bridge-based cache payment interface to pay the amount of payment through a remote account bridge between the affiliate cache system 605 and account accounting system 693, or to cache the affiliate cache system 605 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system 690 provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 690 provided to the financial company, register the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

Referring to FIG. 6, when the account bridge server 610 generates (or extracts) the account bridge-based cache payment interface, the account bridge server 610 may generate a customer account (or an account) of the affiliate cache system 605. Checking the cash balance information corresponding to the cash management account), comparing the amount corresponding to the cash balance information with the payment amount, and validating the payment amount through the cash balance (for example, insufficient cash balance); The cache payment validity verification unit 630 (or the cache payment validity verification means) for confirming, and when the cache payment validity verification (or lack of cash balance), in conjunction with the affiliate cache system 605 through the cache balance It is characterized by comprising a payment processing unit 635 (or payment processing means) for processing the payment amount.

When the interface providing unit 625 generates (or extracts) the account bridge based cache payment interface, the cache payment validity checking unit 630 may perform the account bridge D / B 680 (or an affiliate cache system 605). Check the cash balance information corresponding to the customer account (or cache management account) of the affiliate cache system 605 in conjunction with the)), the cash balance information corresponding to the customer account (or cache management account) If is confirmed, and comparing the amount corresponding to the cash balance information and the payment amount to determine the validity (for example, insufficient cash balance) for the payment processing through the cash balance.

When the cache payment validity is confirmed by the cache payment validity confirming unit 630, the payment processing unit 635 performs payment processing through the cash balance in connection with the affiliate cache system 605. In response, the affiliate cache system 605 (or the payment processing unit 635) provides the customer terminal 695 with a cache payment interface for processing the payment amount through the cash balance. desirable.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 6, when the cache settlement validity is not verified by the cache settlement validity verification unit 630 (or the cache balance is insufficient), the interface provider 625 caches the affiliate cache on the account bridge based cache settlement interface. An account for processing the payment amount by means of account transfer by replacing (or relaying) a customer account (or cache operating account) provided in the system 605 with a customer account bridged with the customer account (or cache operating account). The apparatus may further include a withdrawal amount input interface for inputting withdrawal amount information. The account bridge server 610 may identify a withdrawal amount for the customer account bridged with the customer account (or a cash management account). Withdrawal amount checking unit 640 (or withdrawal amount checking means), the confirmed withdrawal amount information and the customer account (or cash management account) And an information display unit 645 (or information display means) for displaying the corresponding cash balance information on the withdrawal amount input interface included in the account bridge based cache payment interface. The amount confirmation unit 640 and the information display unit 645 can be omitted.

If the cache payment validity is not confirmed by the cache payment validity checking unit 630 (eg, if the shortage of the cash balance is confirmed), the interface provider 625 stores the affiliate cache system in the account bridge based cache payment interface. Account withdrawal for processing the payment amount by means of account transfer by replacing (or relaying) a customer account (or a cash management account) provided in 605 with a customer account bridged with the customer account (or cash management account) It further comprises a withdrawal amount input interface for inputting the amount information.

In addition, the withdrawal amount checking unit 640 is linked with the account bridge D / B 680 (or account relay server 685 provided in the financial institution) and the customer account bridged with the customer account (or cache operating account) It is characterized in that for checking the recommended withdrawal amount.

When the cash balance information and the recommended withdrawal amount information corresponding to the customer account (or the cash management account) are confirmed by the withdrawal amount checking unit 640, the information display unit 645 is the customer account (or the cash management account). The cash balance information and the recommended withdrawal amount information corresponding to are displayed on the withdrawal amount input interface included in the account bridge based cache payment interface, and are output through the customer terminal 695.

According to an exemplary embodiment of the present invention, the information display unit 645 preferably displays the cash balance information and the recommended withdrawal amount information in a separate display area.

According to another exemplary embodiment of the present invention, the information display unit 645 may add the recommended withdrawal amount information to the cache balance information and display the information on the cache balance information.

According to an embodiment of the present invention, the account bridge-based cache payment interface includes a payment amount information corresponding to the purchase price, a customer account (or a cache operating account) information for the cash balance, and shopping cart information for the purchased product. It is preferable to display more.

Referring to FIG. 6, the account bridge server 610 receives the payment request information when the customer terminal 695 transmits payment request information through a payment request interface included in the account bridge based cache payment interface. It characterized by comprising an information receiving unit 650 (or information receiving means).

The customer terminal 695 receiving the web page including the account bridge based cache payment interface inputs (or selects) the withdrawal amount information through the withdrawal amount input interface included in the account bridge based cache payment interface; When the payment request information for the account bridge based cache payment is transmitted through the payment request interface included in the account bridge based cache payment interface, the information receiving unit 650 may receive the payment request information.

According to an embodiment of the present invention, the payment request information includes one or more customer account (or cache operating account) information, payment amount information, account withdrawal amount information and affiliate information for operating the affiliate cache system 605. It is preferable to make it.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 605 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cash management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 605, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 695 by accessing the affiliate server 600. The payment amount information may be used for a cache-based payment processing. It is preferable that the cache information corresponding to the currency unit of the affiliate cache system 605 is included.

The account withdrawal amount information, the account transfer method by replacing (or relaying) a customer account (or a cash management account) provided in the affiliate cache system 605 with a customer account bridged with the customer account (or cash management account) It is preferable that the amount to be withdrawn from the customer account in order to process the payment amount.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

The affiliate information preferably includes affiliate identification information corresponding to the affiliate server 600 that operates the affiliate cache system 605.

Referring to FIG. 6, the account bridge server 610 inputs and transmits non-face-to-face authentication information through the non-face-to-face authentication interface included in the account bridge-based cache payment interface in the client terminal 695. The payment amount is paid through an information receiving unit 650 (or information receiving means) for receiving face-to-face authentication information and a remote account bridge between the affiliate cache system 605 and the account accounting system 693 through the non-face-to-face authentication information. Or replace (or relay) the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or the cash management account) to pay for the non-face-to-face transaction validity of the payment amount. It is characterized by comprising a transaction authentication processing unit 655 (or transaction authentication processing means) for authentication.

The client terminal 695 receiving the webpage including the account bridge based cache payment interface receives non-face-to-face authentication information for the account bridge based cache payment through the non-face authentication interface included in the account bridge based cache payment interface. When inputting (or selecting) and transmitting, the information receiving unit 650 may receive the non-face-to-face authentication information.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information, authentication certificate-based authentication information, for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system 690 provided in the financial company opened the customer account, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered based on one non-face-to-face transaction authentication through the non-face-to-face authentication system 690 provided to the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 605 (or account bridge system).

When the non-face-to-face authentication information for the account bridge-based cache payment is received through the information receiving unit 650, the transaction authentication processor 655 is connected to the affiliate cache system 605 and the account through the received non-face-to-face authentication information. Payment of the payment amount via a remote account bridge between systems 693, or replacing the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or cache operating account) ) To authenticate the non-face-to-face transaction validity of the payment amount.

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 690 provided to the financial company is received through the information receiver 650 according to one embodiment of the present invention, the transaction authentication processor 655 is the non-face authentication. Process the face-to-face authentication information to be transmitted to the non-face-to-face authentication system 690 provided at the financial company to settle the payment amount through a remote account bridge between the affiliate cache system 605 and the accounting system 693, or It is preferable to replace (or relay) the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or the cache operating account) to authenticate the non-face-to-face transaction validity for the payment of the payment amount. Do.

According to another exemplary embodiment of the present invention, when authenticating the non-face-to-face transaction validity using a wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 655 generates an arbitrary authentication number to generate the customer wireless. Transmits to a terminal, receives an authentication number input through a non-face-to-face authentication interface included in the account bridge based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal with the received authentication number to cache the affiliated company cache. Payment of the payment amount through a remote account bridge between the system 605 and the accounting system 693, or a cache of the customer account bridged with the customer account (or cache operating account) by the cache of the affiliate cache system 605; Verifying the non-face-to-face transaction validity of the payment by replacing (or relaying) the balance Preferable.

When non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 605 (or the account bridge system) is received through the information receiving unit 650 according to another embodiment of the present invention, The transaction authentication processing unit 655 compares the non-face-to-face authentication information with ID / PW information stored in the member information D / B (not shown) to bridge the remote account between the affiliate cache system 605 and the accounting system 693. Paying the settlement amount through or replacing (or relaying) the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or cache operating account) to settle the settlement amount; It is desirable to certify non-face-to-face transaction validity for something.

Referring to FIG. 6, the payment request information is received from the customer terminal 695, and the non-face-to-face transaction validity for the payment through the remote account bridge between the affiliate cache system 605 and the account accounting system 693 is authenticated. In response, the account bridge server 610 transmits the customer account (or cache operating account) information and the account withdrawal amount information to the account relay server 685 provided at the financial institution (or information). Transfer means) and withdraw the account withdrawal amount from the customer account bridged with the customer account (or cache operating account) through the account accounting system 693 provided in the financial company in the account relay server 685 to the non-financial right. When the deposit (or transfer) to the partner's funds management account, the history receiving unit for receiving transaction details corresponding to the deposit (or transfer) transaction from the account system (693) 665 (or a history receiving means), a transaction approval confirming unit 670 (or transaction approval confirming means) which reads the transaction history information and checks whether the deposit (or transfer) transaction is normally processed, and the deposit (or When confirming the transaction approval for the transaction, confirm the customer account (or cache operating account) bridged with the customer account in connection with the account bridge D / B 680, and through the affiliate cache system 605 A history processing unit 673 (or a history processing means) for processing the transaction information received as a charge of the customer account (or a cash management account), a withdrawal amount corresponding to the charge history and the customer account (or the cache); A cash balance processing unit that processes the cash amount corresponding to the customer account (or the cash management account) from the sum of the cash balance corresponding to the operating account) 675 (or cash balance processing means), and when confirming the transaction approval for the deposit (or transfer) transaction by the transaction approval confirmation unit 670, the payment processing unit 635 In connection with the affiliate cache system 605, the payment history for the account bridge based cache payment corresponding to the cash balance processing is generated and applied to the private interest cache system 605, and the generated account bridge based payment history information is applied. When it is transmitted to the customer terminal 695, and the transaction approval is not confirmed by the transaction approval confirmation unit 670, the payment processing unit 635 deals with the deposit (or transfer) transaction. The transaction history information including the unauthorized information may be processed as the account bridge based payment history information and transmitted to the customer terminal 695.

The payment request information is received from the customer terminal 695, and the validity of the non-face-to-face transaction for payment through the remote account bridge between the affiliate cache system 605 and the account accounting system 693 is verified, and the withdrawal amount is confirmed. When the account withdrawal amount information for the account bridge based cache payment is confirmed by the unit 640, the information transmission unit 660 checks the customer account (or cache operating account) information included in the payment request information, Or check the customer account (or cash management account) information in association with the account bridge D / B 680 and through the remote account bridge between the affiliate cache system 605 and the account accounting system 693. (Or cash management account) information and the amount of the withdrawal information to the account relay server 685 provided in the financial company.

Thereafter, the account relay server 685 withdraws the account withdrawal amount from the customer account bridged with the customer account (or cache operating account) through the account accounting system 693 provided at the financial company. Deposit (or transfer) the funds in the fund management account, and transmit transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 610, and correspondingly, the history receiving unit 665 transmits the accounting system ( And 693) receiving transaction details corresponding to the deposit (or transfer) transaction.

If transaction history information including transaction approval information is received through the history receiver 665, the transaction approval confirmation unit 670 reads the transaction history information and checks whether the deposit (or transfer) transaction is normally processed. It is characterized by.

If it is confirmed that the deposit (or transfer) transaction is processed normally, the details processing unit 673 checks the customer account (or cache operating account) bridged with the customer account in connection with the account bridge D / B (680). And, through the affiliate cache system 605 is characterized in that the received transaction history information to be processed and stored as the charge history of the customer account (or cache operating account).

The cash balance processor 675 subtracts the payment amount from the sum of the cash amount corresponding to the charge and the cash balance corresponding to the customer account (or cash management account), and then subtracts the deducted amount. The cash balance corresponding to the customer account (or cache operating account) is applied to the account bridge D / B 680 (or affiliate cache system 605).

When the transaction approval for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 670, the payment processing unit 635 is linked with the affiliate cache system 605 to bridge the account corresponding to the cash balance processing. Generate payment history for the base cash payment and apply to the private affiliate cache system 605, and transmits the generated account bridge-based payment history information to the customer terminal (695), the transaction approval confirmation If the transaction approval for the deposit (or transfer) transaction is not confirmed by the unit 670, the payment processing unit 635 bridges the transaction history information including the transaction disapproval information for the deposit (or transfer) transaction. Based on the payment history information, characterized in that for transmitting to the customer terminal (695).

7 is a diagram illustrating a remote account bridge based cache payment request process between an affiliate cache system 605 and an accounting system 693 according to an embodiment of the present invention.

In more detail, Figure 7 is connected to the affiliate server 600 having an affiliate cache system 605 in the customer terminal 695 to purchase one or more types or intangible goods, and the purchase price for the purchased product When the payment request is made through the affiliate cache system 605, the account bridge server 610 shown in FIG. 6 provides an account bridge based cache payment interface for the account bridge based cache payment from the account bridge server 610 to the customer terminal 695. And a process of inputting (or selecting) payment request information through an account bridge-based cache payment interface in the customer terminal 695, and a person having ordinary knowledge in the technical field to which the present invention pertains. Remote account bridge based cache payment request process between the affiliate cache system 605 and the accounting system 693 by referring to and / or modifying FIG. For would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 7.

Hereinafter, in FIG. 7, the customer terminal 695 shown in FIG. 6 is referred to as a "terminal" for convenience, and the account bridge server 610 is referred to as a "server" for convenience.

Referring to FIG. 7, the terminal accesses an affiliate server 600 having an affiliate cache system 605 to purchase one or more types or intangible products, and purchases the purchase price for the purchased product from the affiliate cache system. If requested to make a payment through 605 (700), the server correspondingly connects the communication channel with the terminal, and generates an account bridge-based cache payment interface to provide to the terminal for the account bridge-based cache payment (705).

According to an embodiment of the present invention, the account bridge-based cache payment interface preferably comprises a user interface for inputting (or selecting) payment request information through one or more form forms. Those skilled in the art are familiar with the technical features of the form form for inputting (or selecting) the payment request information in the customer terminal 695 based on the information attribute of the payment request information. Since there will be, a detailed description of the form form corresponding to the account bridge based cache payment interface in FIG. 7 will be omitted for convenience.

In this case, the account bridge-based cache payment interface is preferably made to include the cash balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 605, and displays the payment amount corresponding to the purchase price And, it is preferable to further display the customer account (or cache operating account) information for the cash balance, it is preferable to further comprise the shopping cart information for the purchase goods according to the intention of the skilled person.

In addition, the account bridge-based cache payment interface, if the cash balance for payment processing is insufficient, the customer account (or cache operating account) provided in the affiliated cache system 605, the customer account (or cache operation) It is preferable to further include a withdrawal amount input interface for inputting the withdrawal amount information for processing the payment amount by replacing (or relaying) with a customer account bridged with the account); The interface preferably displays the recommended withdrawal amount information.

In addition, the account bridge-based cache payment interface to pay the amount of payment through a remote account bridge between the affiliate cache system 605 and account accounting system 693, or to cache the affiliate cache system 605 of the customer A non-face-to-face authentication interface for inputting and transmitting non-face-to-face authentication information for face-to-face transaction authentication for payment of the payment amount by replacing (or relaying) the balance of a customer account bridged with an account (or cache operating account) It is preferable that it further comprises.

Here, the non-face-to-face authentication interface, encryption / decryption authentication means for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system 690 provided in the financial company opened the customer account, authentication certificate authentication means, one-time password (One Time Password; OTP) preferably comprises a non-face-to-face authentication interface corresponding to the authentication means, transaction password authentication means, account password authentication means.

Alternatively, the non-face-to-face authentication interface, through the non-face-to-face authentication system 690 provided to the financial company, register the customer wireless terminal information for non-face-to-face authentication based on a single non-face-to-face transaction authentication, the customer wireless terminal information It is preferable to include a non-face-to-face authentication interface (for example, an interface for transmitting the authentication number to the customer wireless terminal, and input the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using.

The account bridge based cache payment interface may further include a payment request interface (eg, a payment request button (or icon)) for requesting a cache-based payment for a payment amount corresponding to the purchase price based on the cash balance. It is preferable to make.

When the account bridge based cache payment interface is generated (or extracted), the server checks the cache balance information corresponding to the customer account (or cache operating account) of the affiliate cache system 605 and corresponds to the cache balance information. The amount of money is compared with the payment amount to check the validity (for example, insufficient cash balance) to process the payment amount through the cash balance (710).

If the cache payment validity is confirmed (715), the server in connection with the affiliate cache system 605 to process the payment amount through the cache balance (720), correspondingly the affiliate cache system ( 605 may preferably provide a cache payment interface to the customer terminal 695 to process the payment amount through the cash balance.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the cache payment interface and the cache payment process through the cache balance, so a detailed description thereof will be omitted for convenience.

On the other hand, if the cache payment validity is not confirmed (715), the server in the account bridge-based cache payment interface to the customer account (or cache operation account) provided in the affiliate cache system 605 to the customer account (or cache operation) And a withdrawal amount input interface for inputting withdrawal amount information for processing the settlement amount by means of a transfer account by replacing (or relaying) with a customer account bridged with an account) (725); After checking the recommended withdrawal amount for the bridged customer account and the confirmed withdrawal amount information and the cash balance information corresponding to the customer account (or the cache operating account), the account bridge-based cache payment interface is included. The account with the withdrawal amount input interface 725 is displayed in the withdrawal amount input interface. The ridge-based cache payment interface is transmitted to the terminal (730).

According to an embodiment of the present invention, the account bridge-based cache payment interface may include the cash balance information, payment amount information corresponding to the purchase price, customer account (or cache operating account) information on the cash balance, and the purchase product. It is preferable to display at least one shopping cart information.

The terminal provided with the account bridge based cache payment interface receives a customer account (or a cache operating account) provided in the affiliate cache system 605 through the withdrawal amount input interface included in the account bridge based cache payment interface. (Or the cash management account) is replaced (or relayed) with the customer account bridged to check whether the account withdrawal amount for payment processing is entered in the account transfer method (735).

Here, the account withdrawal amount information, by replacing (or relaying) a customer account (or a cash management account) provided in the affiliate cache system 605 with a customer account bridged with the customer account (or cash management account) It is preferable to include an amount to be withdrawn from the customer account in order to process the payment amount by the transfer method.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

If the withdrawal amount is input through the withdrawal amount input interface included in the account bridge based cache payment interface (740), the terminal checks whether the account bridge based cache payment is requested through the account bridge based cache payment interface. In operation 745, if the account bridge based cache payment is requested (750), the payment request information is transmitted to the server through the account bridge based cache payment interface (755).

According to an embodiment of the present invention, the payment request information includes one or more customer account (or cache operating account) information, payment amount information, account withdrawal amount information and affiliate information for operating the affiliate cache system 605. It is preferable to make it.

Here, the customer account information is a customer for identifying the amount deposited (or transferred) through the payment means (or customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 605 Preferably, the identification number includes member ID information of the customer.

Alternatively, the cash management account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 605, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 695 by accessing the affiliate server 600. The payment amount information may be used for a cache-based payment processing. It is preferable that the cache information corresponding to the currency unit of the affiliate cache system 605 is included.

The account withdrawal amount information, the customer account (or cash management account) provided in the affiliate cache system 605 replaces (or relays) the customer account (or cash management account) bridged with the customer account (or relay) account transfer It is preferable to include an amount to be withdrawn from the customer account in order to process the payment amount in the payment method.

According to an embodiment of the present invention, it is preferable that the sum of the cash withdrawal amount information and the cash balance corresponding to the customer account (or the cash management account) is greater than or equal to the settlement amount.

In addition, the account withdrawal amount information preferably does not exceed the customer account balance (or withdrawal limit amount).

The affiliate information preferably includes affiliate identification information corresponding to the affiliate server 600 that operates the affiliate cache system 605.

8 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache payment between the affiliate cache system 605 and the account system 693 according to an embodiment of the present invention.

In more detail, in FIG. 8, an account bridge based cache payment interface is provided to the customer terminal 695 through the account bridge based cache payment request process shown in FIG. 7, or the account bridge from the customer terminal 695. After the payment request information is transmitted through the based cache payment interface, the remote account bridge based cache between the affiliate cache system 605 and the account accounting system 693 based on the non-face-to-face authentication interface included in the account bridge based cache payment interface. As a process of checking the validity of non-face-to-face transactions for payment, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 8 and the affiliate cache system 605 and the account accounting system. (693) In the process of non-face-to-face transaction validation for remote account bridge-based cache payment Would be able to infer a variety of exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the customer terminal 695 shown in FIG. 6 is referred to as "terminal" for convenience, and the account bridge server 610 is referred to as "server" for convenience.

Referring to FIG. 8, an account bridge based cache payment interface is provided to the customer terminal 695 through the account bridge based cache payment request process shown in FIG. 7, or the account bridge based from the customer terminal 695. After the payment request information is transmitted through the cache payment interface, the terminal uses the non-face authentication interface included in the account bridge based cache payment interface to establish a remote account bridge based between the affiliate cache system 605 and the account system 693. In operation 800, the non-face-to-face authentication information for checking the validity of the non-face-to-face transaction for cash payment is input.

Here, the non-face-to-face authentication information, encryption / decryption-based authentication information, authentication certificate-based authentication information, for authenticating the non-face-to-face transactions in connection with the non-face-to-face authentication system 690 provided in the financial company opened the customer account, It is preferable to include one or more one-time password (OTP), transaction password, account password.

Alternatively, when the customer wireless terminal information for non-face-to-face authentication is registered based on one non-face-to-face transaction authentication through the non-face-to-face authentication system 690 provided to the financial company, the non-face-to-face authentication information is the customer wireless terminal information. It is preferable that the non-face authentication information (for example, the authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using a.

Alternatively, the non-face-to-face authentication information preferably further includes ID / PW information registered in the affiliate cache system 605 (or account bridge system).

If non-face-to-face authentication information for confirming the face-to-face transaction validity for the remote account bridge-based cache payment between the affiliate cache system 605 and the account accounting system 693 is input through the face-to-face authentication interface (805), the The terminal transmits the input non-face-to-face authentication information to the server through the non-face-to-face authentication interface (810).

When the non-face-to-face authentication information includes one or more encryption / decryption-based authentication information, public certificate-based authentication information, one-time password, transaction password, and account password according to an embodiment of the present invention, the non-face-to-face authentication information may be used by the financial company. It is possible to be sent directly to the non-face-to-face authentication system 690, whereby the present invention is not limited.

Thereafter, the server pays the payment amount through a remote account bridge between the affiliate cache system 605 and the account accounting system 693 through the received non-face-to-face authentication information, or of the affiliate cache system 605. The cache is replaced (or relayed) with the balance of the customer account bridged with the customer account (or the cache operating account) to verify the non-face-to-face transaction validity for payment of the payment amount (815).

When the non-face-to-face authentication information associated with the non-face-to-face authentication system 690 provided to the financial company is received according to an exemplary embodiment of the present invention, the server may provide the non-face-to-face authentication information to the financial company. 690 to process the payment amount through the remote account bridge between the affiliate cache system 605 and the account accounting system 693, or to cache the affiliate cache system 605 in the customer account ( Or by replacing (or relaying) the balance of the customer account bridged with the cash management account) and authenticating the non-face-to-face transaction validity for payment of the payment amount.

According to another embodiment of the present invention, when authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates a random authentication number and transmits it to the customer wireless terminal, Receives the authentication number entered through the non-face-to-face authentication interface included in the account bridge-based cache payment interface, and compares the authentication number transmitted to the customer wireless terminal and the received authentication number and the affiliated cache system 605 Payment of the payment amount via a remote account bridge between accounting systems 693, or replacing the cache of the affiliate cache system 605 with the balance of the customer account bridged with the customer account (or cache operating account) It is preferable to authenticate the non-face-to-face transaction validity for the payment of the payment amount.

According to another exemplary embodiment of the present invention, when non-face-to-face authentication information including ID / PW information registered in the affiliate cache system 605 (or the account bridge system) is received, the server provides the non-face-to-face authentication information. Comparing the ID / PW information stored in the member information D / B (not shown) to settle the payment amount through a remote account bridge between the affiliate cache system 605 and the account accounting system 693, or the affiliate cache It is preferable to replace (or relay) the cache of the system 605 with the balance of the customer account bridged with the customer account (or cache operating account) to authenticate the non-face-to-face transaction validity for the payment of the payment amount.

If the non-face-to-face transaction validity for the account bridge based cache payment is not confirmed through the non-face-to-face authentication information (820), the server transmits the non-face-to-face authentication error information to the terminal through the communication channel (825).

On the other hand, if the non-face-to-face transaction validity for the account bridge-based cache payment is confirmed through the non-face-to-face authentication information (820), the server transmits the non-face-to-face authentication result information to the terminal through the communication channel (830).

9 is a diagram illustrating a remote account bridge-based cache settlement process between the affiliate cache system 605 and the account accounting system 693 according to the embodiment of the present invention.

In more detail, in FIG. 9, an account bridge based cache payment interface is provided to the customer terminal 695 through the account bridge based cache payment request process illustrated in FIG. 7, and then the account bridge based on the account bridge 695. When requesting an account bridge-based cash payment through the cache payment interface and validating the non-face-to-face transaction for the account bridge-based cash payment through the non-face-to-face transaction validation process shown in FIG. 8, the process shown in FIG. The account bridge server 610 interworks with the account relay server 685 provided at the financial company to remotely bridge the affiliate cache system 605 and the account accounting system 693 to process payment through the affiliate cache system 605. As for those skilled in the art to which the present invention pertains, reference is made to FIG. 9 and / or Alternatively, it may be modified to infer various implementation methods for the remote account bridge-based cache payment process between the affiliate cache system 605 and the account accounting system 693, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the customer terminal 695 shown in FIG. 6 is referred to as "terminal" for convenience, and the account bridge server 610 is referred to as "server" for convenience.

Referring to FIG. 9, the client terminal 695 requests an account bridge based cache payment through the account bridge based cache payment request process shown in FIG. 7, and performs a non-face-to-face transaction validation process shown in FIG. 8. When the non-face-to-face transaction validity for the account bridge based cache payment is authenticated, the server checks whether the account bridge based cache payment is requested from the terminal (900), and if the account bridge based cache payment request is verified ( 905), the server is an account relay server provided with the customer account (or cache operating account) information and withdrawal amount information through the remote account bridge between the affiliate cache system 605 and account accounting system (693) Transmit to 685 (910).

Thereafter, the server checks whether the transaction history information on the account withdrawal amount information is received from the account relay server 685 provided in the financial company (915).

If transaction history information on the recharge amount information is received from the account relay server 685 (920), the server reads the transaction history information and checks whether the transaction is approved (925).

If the transaction result is not confirmed in the confirmation result (930), the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system 605 (935) In operation 955, the payment history information regarding the account bridge based cache payment is transmitted to the terminal.

On the other hand, if the confirmation of the transaction approval of the transaction history information is confirmed (930), the server processes the transaction history information as the charging history of the affiliate cache system 605 and applies (940), the charge history The amount obtained by subtracting the payment amount from the sum of the corresponding withdrawal amount and the cash balance corresponding to the customer account (or the cash management account) is processed as the new cash balance corresponding to the customer account (or the cash management account). Processing to apply to the account bridge D / B 680 (or affiliate cache system 605), and in conjunction with the affiliate cache system 605 based on the account bridge corresponding to the cache balance processing The payment history for the cache payment is generated (950), and the payment history information for the account bridge based cache payment is transmitted to the terminal and output (955).

FIG. 10 illustrates a remote account bridge based cache payment system between an accounting system 1065 and an affiliate cache system 1005 according to an embodiment of the present invention.

In more detail, Figure 10 is connected to the affiliate server 1000 having an affiliate cache system 1005 in the customer terminal 1070 to purchase one or more types or intangible goods, and the purchase price for the purchased product If the account bridge server 1010 shown in FIG. 6 transmits the customer account (or cache operating account) information and the account withdrawal amount information by requesting the payment through the affiliate cache system 1005, the customer account ( Or check the cash management account information and the bridged customer account information, and withdraw the account withdrawal amount from the customer account and deposit (or transfer) the transaction request message to the partner's funds management account and the account system ( 1065) to withdraw the account withdrawal amount from the customer account and deposit (or transfer) the funds to the partner's fund management account. The system configuration for transmitting the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 1010 after processing the market, if the person skilled in the art to which the present invention pertains, 10 and various modifications may be inferred for configuring a remote account bridge-based cache payment system between the account system 1065 and the affiliate cache system 1005 by referring to and / or modifying the present invention. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, a remote account bridge based cache payment system between the accounting system 1065 and the affiliate cache system 1005 includes one or more browser programs, and through the browser program. One or more types or intangibles of the customer terminal 1070 connected to a communication network and the customer terminal 1070 through the communication network, and when connected through the communication network from the customer terminal 1070. Cache-based payment for the payment amount of the product sold by the affiliate server 1000 based on the funds deposited in the affiliate management server 1000 that sells the product and the non-financial partner's fund management account opened at the financial institution. Affiliate cache system 1005 to process and the purchase price for the purchased goods in the customer terminal 1070 through the affiliate cache system 1005 When requesting a non-payment, the client terminal 1070 includes an account bridge-based cache payment interface for account bridge-based cache payment, and the payment request information through the account bridge-based cache payment interface in the customer terminal 1070. If the user inputs (or selects) and transmits, the account bridge server 1010 for transmitting the customer account (or cache operating account) information and the withdrawal amount information to the account relay server 1020 provided at the financial company through the payment request information. (= Functional name of the account bridge system), the customer account (or cache operating account) information and the bridged customer account information, and withdraw the account withdrawal amount from the customer account to the fund management account of the affiliated company The transaction request for depositing (or transferring) the full text of the transaction is provided to the accounting system 1065 and the Withdraw the amount of the account withdrawal amount to process the financial transaction to deposit (or transfer) to the funds management account of the partner, and then transfers the transaction information corresponding to the deposit (or transfer) transaction to the account bridge server 1010 And a relay server 1020 (= functional name of the account relay system), and an account accounting system 1065 that operates a fund management account of the non-financial partner and one or more customer accounts.

However, in FIG. 10, the account relay server 1020 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the account relay server 1020 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

That is, it is apparent that the account relay server 1020 corresponds to the functional name of the account relay system shown in FIG. 1 and is not limited to the physical name.

The client terminal 1070, the affiliate server 1000, the affiliate cache system 1005, and the account bridge server 1010 will refer to the contents shown in FIG. 6, and the detailed description thereof will be provided for convenience of description. It will be omitted.

According to an embodiment of the present invention, the account relay server 1020 stores and stores affiliated partner information, customer account (or cache operating account) information, and customer account information registered through the account registration system shown in FIG. It is preferable to have an account relay D / B (1060) for storing the customer personal information and the customer wireless terminal information in association with one or more, or to interwork through a network, the account relay D / B (1060) is Non-financial partner's fund management account information is further linked and stored, or the customer account balance information for the customer account bridged with the customer account (or cache operating account) is further linked or stored, or the customer account (or cash management) Account) and recommended withdrawal amount information and withdrawal limit amount information corresponding to the remotely bridged customer account information are preferably stored in association with each other. The.

Here, the money management account information is account information in the name of a non-financial partner company operating the funds of the affiliate cash system 1005, and the money management account is preferably opened in the account system 1065.

According to another embodiment of the present invention, the funds management account can be opened in the external account system 1065, whereby the present invention is not limited.

The customer account balance information may include a balance amount of a customer account opened in the account accounting system 1065, and the account relay server 1020 may link the customer account balance with the account accounting system 1065. It is desirable to update the customer account balance periodically (or in response to a customer account balance change event through the accounting system 1065).

If the account relay server 1020 inquires in real time the customer account balance information in connection with the account accounting system 1065, the cash balance information in the account relay D / B (1060) can be omitted, thereby The present invention is not limited.

The recommended withdrawal amount information may be withdrawn from a customer account bridged with the customer account (or cache operating account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 1005. It is preferable to include the amount set to deposit (or transfer) to the fund management account, it can be omitted according to the intention of those skilled in the art.

The charging limit amount information may be withdrawn from a customer account bridged with the customer account (or a cash management account) when the non-financial partner processes payment of the payment amount using the affiliate cash system 1005. As the limit amount to be deposited (or transferred) into the funds management account of the, the charge limit amount is preferably made of one or more of the limit amount of one-time limit, daily limit amount, weekly limit amount, monthly limit amount.

Referring to FIG. 10, when the account relay server 1020 transmits customer account (or cache operating account) information and account withdrawal amount information from the account bridge server 1010 shown in FIG. Or an information receiving unit 1025 (or information receiving means) for receiving cache operating account information and withdrawal amount information, and the customer account (or cache operating account) information when the customer account (or cache operating account) information is received. An account verification unit 1030 (or an account verification means) for confirming the customer account information bridged with the information and confirming the funds management account information of the affiliated partner associated with the customer account (or cache operating account) information; A professional generation unit 1040 (or a professional generation means) for generating a transaction request message for withdrawing (or transferring) the withdrawal amount from the account withdrawal from the partner's money management account, and the transaction request message; A transaction processing unit 1045 (or transaction processing means) provided to the account system 1065 to process a financial transaction of withdrawing (or transferring) the account withdrawal amount from the customer account and depositing (or transferring) the funds from the customer account; A history generation unit 1050 (or history generation means) for generating transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information checked from the accounting system 1065; And a history transmitter 1055 (or a history transmission means) for transmitting transaction details information to the account bridge server 1010, and a customer account bridged with the customer account (or cache operating account) information. It is preferable to further comprise a transaction validity confirmation unit 1035 (or transaction validity confirming means) for confirming the validity of the transaction.

When the account bridge server 1010 shown in FIG. 6 transmits the customer account (or cache operating account) information and the account withdrawal amount information for account bridge-based payment processing, the information receiving unit 1025 receives the account bridge server. And receiving the customer account (or cache operating account) information and the account withdrawal amount information from the 1010, wherein the information receiving unit 1025 is an external system provided to the financial company or in connection with the external system. It is preferable to receive the customer account (or cash management account) information and account withdrawal amount information.

According to one embodiment of the present invention, the information receiving unit 1025 is the customer account (or cache operating account) information and the withdrawal amount through a communication network connecting the account bridge server 1010 and the account relay server 1020 It is desirable to receive the information.

According to another exemplary embodiment of the present invention, the information receiving unit 1025 passes through the gateway 1015 relaying the account bridge server 1010 and the account relay server 1020 to the customer account (or cache operating account). It is possible to receive information and account withdrawal amount information, whereby the present invention is not limited.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 1005 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operation account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 1005, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The account withdrawal amount information includes an amount to be withdrawn from the customer account bridged with the customer account (or a cash management account) and deposited (or transferred) into the money management account of the affiliate for account bridge based payment processing. It is preferable.

According to an embodiment of the present invention, the account bridge server 1010 illustrated in FIG. 6 is identified through a non-face-to-face authentication system of the financial company for account bridge-based payment processing, or wireless authentication means using customer wireless terminal information. It is preferable to further transmit the non-face-to-face authentication result information confirmed through, and in this case, it is preferable that the information receiving unit 1025 further receives the non-face-to-face authentication result information from the account bridge server 1010.

According to an embodiment of the present invention, the account bridge server 1010 shown in FIG. 6 may further transmit non-face-to-face authentication information received from the customer terminal 1070 for account bridge based payment processing. In this case, the information receiving unit 1025 preferably receives the non-face-to-face authentication information, and the transaction validity checking unit 1035 is based on the account bridge through the non-face-to-face authentication information in association with the non-face-to-face authentication system of the financial company. It is desirable to verify transaction validity for payment processing.

According to an embodiment of the present invention, the account bridge server 1010 shown in FIG. 6 may transmit only the customer account (or cache operating account) information for account bridge based payment processing, in which case the information receiver 1025 preferably receives the customer account (or cache operating account) information from the account bridge server 1010, and the account checking unit 1030 is bridged with the customer account (or cache operating account) information. Preferably, the account relay server 1020 checks one or more of customer account balance information, recommended withdrawal amount information, and withdrawal limit amount information with respect to the customer account information. It is preferable to further comprise an information transmission unit for transmitting to.

When the customer account (or cache operating account) information and the account withdrawal amount information are received through the information receiving unit 1025, the account checking unit 1030 is connected to the account relay D / B 1060 to the customer account. (Or a cash management account) information and bridge the customer account information is characterized in that it is confirmed.

In addition, the account verification unit 1030 checks the partner information associated with the customer account (or cache operating account) information in connection with the account relay D / B (1060), and the affiliated company associated with the affiliate information It is characterized by checking the information of the fund management account.

When the customer account information is confirmed through the account verification unit 1030, the transaction validity verification unit 1035 and the account relay D / B (1060) (or the account account system 1065 opened the customer account) and The client account balance is checked in association with each other, and when the account balance is greater than the account withdrawal amount by comparing the account withdrawal amount information and the customer account balance, the transaction validity is confirmed.

In addition, the transaction validity confirmation unit 1035 checks the withdrawal limit amount information for the customer account in connection with the account relay D / B (1060), and compares the withdrawal amount information and the withdrawal limit amount If the withdrawal amount is greater than the withdrawal amount, the transaction is considered to be valid.

When the non-face-to-face authentication result information is received from the account bridge server 1010 through the information receiving unit 1025 according to the embodiment of the present invention, the transaction validity verification unit 1035 reads the non-face-to-face authentication result information It is desirable to confirm the transaction validity for the account bridge based payment processing.

Alternatively, when non-face-to-face authentication information is received through the information receiving unit 1025, the transaction validity checking unit 1035 is connected to the non-face-to-face authentication system of the financial company through the non-face-to-face authentication information through the account bridge based payment processing It is advisable to check the validity of the transaction for.

When the customer account information bridged with the customer account (or the cash management account) is confirmed through the account verification unit 1030, and the fund management account information of the affiliated company is confirmed, the specialized generation unit 1040 may request the customer. And withdraw the account withdrawal amount from the account to constitute a transaction request message for depositing (or transferring) the funds to the partner's fund management account, wherein the transaction request message has a specialized structure recognizable by the account system 1065. It is preferable to comprise.

Those skilled in the art to which the present invention pertains will be familiar with the specialized structure defined in the accounting system for each financial institution 1065, so the detailed description thereof will be omitted for convenience.

When the transaction request message is configured through the message generation unit 1040, the transaction processing unit 1045 provides the transaction request message to the account system 1065 to withdraw the account withdrawal amount from the customer account. Characterized in that the financial transaction to deposit (or transfer) to the partner's fund management account is processed, characterized in that for receiving the transaction result information corresponding to the full transaction request from the account system (1065).

The history generator 1050 may generate transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information checked from the account system 1065.

In this case, the transaction history information preferably includes an information structure that can be easily changed (or replaced) with the charge history information provided in the affiliate cache system 1005 bridged with the account system 1065 remotely.

For example, when the account relay server 1020 is linked with an account bridge server 1010 associated with two or more affiliate cache systems 1005 different from each other, the history generation unit 1050 may correspond to the transaction history information. The account bridge server 1010 and the affiliate cache system 1005 which have transmitted the account (or cache operating account) information may be checked, and the affiliated cache system 1005 may be easily changed (or replaced) with the charging information for each of the confirmed affiliate cache systems 1005. It is preferable to generate transaction history information including the information structure.

When the transaction history information is generated, the history transmission unit 1055 transmits the generated transaction history information to the account bridge server 1010, and correspondingly, the account bridge server 1010 It is preferable to receive the transaction history information, and process the received transaction history information as the charging history of the affiliate cache system 1005 and apply it to the affiliate cache system 1005, whereby the account account system 1065 and Substantial payment procedures for remote account bridge based cache payment processing between affiliate cache systems 1005 are preferably completed.

11 is a diagram illustrating a remote account bridge-based cache settlement process between the account system 1065 and the affiliate cache system 1005 according to an embodiment of the present invention.

In more detail, Figure 11 is connected to the affiliate server 1000 with the affiliate cache system 1005 in the customer terminal 1070 to purchase one or more types or intangible goods, the purchase price for the purchased product In this case, the account bridge server 1010 shown in FIG. 6 transmits the customer account (or cache operating account) information and the account withdrawal amount information by requesting payment through the affiliate cache system 1005. In the account relay server 1020 shown in the confirmation of the customer account (or cache operating account) information and the customer account information bridged, withdraw the account withdrawal amount from the customer account and transfers the funds to the partner's money management account ( Or transfer) the entire transaction request to the account system 1065 and withdraw the account withdrawal amount from the customer account; After processing a financial transaction that deposits (or transfers) a partner's fund management account, the transaction details corresponding to the deposit (or transfer) transaction are transmitted to the account bridge server 1010 shown in FIG. As those skilled in the art to which the present invention pertains, a reference to and / or modification of FIG. 11 for the remote account bridge based cache payment process between the account system 1065 and the affiliate cache system 1005 may be used. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following figure 11, the account relay server 1020 shown in FIG. 10 is referred to as a " server " for convenience.

The customer terminal 1070 accesses the affiliate server 1000 having the affiliate cache system 1005 to purchase one or more types or intangible products, and purchases the purchase price for the purchased products from the affiliate cache system 1005. By transmitting the customer account (or cash management account) information and the withdrawal amount information from the account bridge server 1010 shown in FIG. In operation 1010, the server receives customer account (or cache operating account) information and account withdrawal amount information.

Here, the customer account information is a customer identification for identifying the amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer of the amount deposited in the cash management account in the affiliate cache system 1005 As the number, it is preferable that the member ID information of the customer is included.

Alternatively, the cache operation account information, preferably comprises an account number for storing, recording, and managing the cash balance of the affiliate cache system 1005, the account number system and the customer account provided in the financial company and It is desirable to include a virtual account number system for bridging remotely.

According to an embodiment of the present invention, the cash management account information includes at least one affiliate identification number for identifying the non-financial affiliate, a financial company identification number for identifying the financial company where the customer account is opened, and an account serial number and checksum. It is preferable to make it.

The account withdrawal amount information includes an amount of money to be withdrawn (or transferred) from the customer account bridged with the customer account (or a cash management account) for the account bridge-based payment processing, and to the funds management account of the affiliated company. desirable.

According to an embodiment of the present invention, the account bridge server 1010 illustrated in FIG. 6 is identified through a non-face-to-face authentication system of the financial company for account bridge-based payment processing, or wireless authentication means using customer wireless terminal information. It is preferable to further transmit the non-face-to-face authentication result information confirmed through, and in this case, it is preferable that the account relay server 1020 further receives the non-face-to-face authentication result information from the account bridge server 1010.

According to an embodiment of the present invention, the account bridge server 1010 shown in FIG. 6 may further transmit non-face-to-face authentication information received from the customer terminal 1070 for account bridge based payment processing. In this case, the account relay server 1020 receives the non-face-to-face authentication information and confirms a transaction validity of the account bridge based payment processing through the non-face-to-face authentication information in connection with the face-to-face authentication system of the financial company. desirable.

According to an embodiment of the present invention, the account bridge server 1010 shown in FIG. 6 may transmit only the customer account (or cache operating account) information for account bridge based payment processing, in which case the account relay The server 1020 receives the customer account (or cache operating account) information from the account bridge server 1010, checks the customer account information bridged with the customer account (or cache operating account) information, and the customer account. It is preferable to check one or more of customer account balance information, recommended withdrawal amount information, and withdrawal limit amount information about the information and transmit the information to the account bridge server 1010.

When the customer account (or cache operating account) information and the withdrawal amount information is received, the server checks the customer account information bridged with the customer account (or cache operating account) information, and the customer account (or cache operating account) Check the information on the partner's fund management account associated with the information (1105).

According to an embodiment of the present invention, it is preferable that the server checks the customer account information bridged with the customer account (or cache operating account) information in connection with the account relay D / B 1060.

In addition, the server checks the affiliate information associated with the customer account (or cache operating account) information in connection with the account relay D / B (1060), and the fund management account information of the affiliate associated with the affiliate information It is desirable to confirm.

If the customer account information and the partner's money management account information is confirmed (1110), the server checks the validity of the transaction for the customer account bridged with the customer account (or cache operating account) information (1115), the affiliate If the account bridge server 1010 of the authentication of the non-face-to-face transaction validity for the account bridge-based cache payment may be omitted.

According to an embodiment of the present invention, the server checks the customer account balance in connection with the account relay D / B 1060 (or the account system 1065 in which the customer account is opened), and the account withdrawal amount information. And comparing the customer account balance, if the customer account balance is greater than the account withdrawal amount, it is preferable to treat the transaction as confirmed.

In addition, the server checks the withdrawal limit amount information for the customer account in connection with the account relay D / B (1060), and compares the withdrawal amount information and the withdrawal limit amount is the withdrawal limit amount is the account If it is larger than the withdrawal amount, it is preferable to treat the transaction as confirmed.

When the non-face-to-face authentication result information is received from the account bridge server 1010 according to an embodiment of the present invention, the server reads the non-face-to-face authentication result information to confirm transaction validity for the account bridge based payment processing. It is preferable.

Alternatively, when non-face-to-face authentication information is received from the account bridge server 1010, the server confirms a transaction validity for the account bridge-based payment processing through the non-face-to-face authentication information in connection with the face-to-face authentication system of the financial company. It is desirable to.

If the transaction validity is not confirmed (1120), the server generates transaction history information including account validity error information corresponding to the transaction validation result (1125), and bridges the transaction history information to the account bridge of the affiliated company. The server 1010 transmits the data to the server 1010.

On the other hand, if the validity of the transaction is not confirmed (1120), the server generates (or configures) a transaction request message for withdrawing (or transferring) the account withdrawal amount from the customer account and depositing (or transferring) the funds to the partner's fund management account ( 1130).

Herein, the transaction request text may include a specialized structure recognizable by the account system 1065.

Those skilled in the art to which the present invention pertains will be familiar with the specialized structure defined in the accounting system for each financial institution 1065, so the detailed description thereof will be omitted for convenience.

If a transaction request message is generated (1135) withdrawing the account withdrawal amount from the customer account and depositing (or transferring) the funds to the partner's fund management account (1135), the server sends the transaction request message to the accounting system 1065. By providing (1140), the withdrawal amount of the account withdrawal from the customer account is processed so that the financial transaction of depositing (or transferring) the funds to the partner's fund management account is processed.

If the account transaction system 1065 withdraws the account withdrawal amount from the customer account and the financial transaction to deposit (or transfer) to the partner's money management account (1145), the server from the account account system (1065) Receives the transaction result information corresponding to the transaction request text (1150), and generates transaction history information corresponding to the deposit (or transfer) transaction based on the received transaction result information (1155).

In this case, the transaction history information preferably includes an information structure that can be easily changed (or replaced) with the charge history information provided in the affiliate cache system 1005 bridged with the account system 1065 remotely.

For example, when the account relay server 1020 is linked with an account bridge server 1010 associated with two or more affiliate cache systems 1005 different from each other, the history generation unit 1050 may correspond to the transaction history information. The account bridge server 1010 and the affiliate cache system 1005 which have transmitted the account (or cache operating account) information may be checked, and the affiliated cache system 1005 may be easily changed (or replaced) with the charging information for each of the confirmed affiliate cache systems 1005. It is preferable to generate transaction history information including the information structure.

Thereafter, the server transmits the generated transaction history information to the account bridge server 1010 of the affiliate company (1160), and the account bridge server 1010 having received the transaction history information reads the transaction history information to perform a transaction. After confirming the approval, upon confirming the transaction approval, the transaction history information is processed as the charge history of the affiliate cache system 1005 to complete the account bridge based cache payment.

According to the present invention, after remotely bridging a customer account (or a cache operating account) included in the affiliate cash system of the non-financial affiliate with a real account of a customer name opened in a financial institution, the cache based using the affiliate cache system. When payment is made, the cache-based payment is processed by replacing (or relaying) a customer account (or a cash management account) provided in an affiliate cash system based on the account bridge with a real account in the name of the customer opened in the financial institution. It is advantageous to provide the cache-based payment conveniently and securely without prepaying a predetermined amount of money in the customer account (or cache operating account) through one or more payment means.

According to the present invention, in processing the cache-based payment through the affiliate cache system by remotely bridging the customer account (or cache operating account) provided in the affiliate cache system with the real account of the customer name opened in the financial company, When the cash balance corresponding to the client account (or cache operating account) is insufficient, the client account (or cache operating account) provided in the affiliate cache system is replaced with a client account bridged with the client account (or cache operating account) ( Or by relaying) the payment amount through the account transfer method to completely solve the discomfort and rejection of the customer with respect to the affiliate cache system, thereby actively activating payment through the affiliate cache system.

According to the present invention, due to the activation of the affiliate cash system of the non-financial affiliates, the non-financial affiliates have the advantage of reducing the commission due to payment.

Claims (14)

A financial account system that opens and operates one or more client accounts and a fund management account in the name of an affiliate, and an affiliate cash system that manages the funds deposited in the fund management account through one or more client accounts (or cash management accounts). In the method of bridging and payment processing, When the client terminal requests payment through one or more affiliate cache systems, the client account (or cache operating account) provided in the affiliate cache system is bridged with the client account (or cache operating account) and the customer is provided in the account system. Checking (or calculating) the amount of the account withdrawal to be settled by replacing (or relaying) the account; Bridging the account system to withdraw (or transfer) the account withdrawal amount from the customer account bridged with the customer account (or cache operating account) to the fund management account; Confirming a transaction approval for the deposit (or transfer) transaction; And When confirming the transaction approval, processing the transaction history for the deposit (or transfer) transaction as the charge history of the customer account (or cache operating account) provided in the affiliate cache system; How to make a cash payment via account linking from. A financial account system that opens and operates one or more client accounts and a fund management account in the name of an affiliate, and an affiliate cash system that manages the funds deposited in the fund management account through one or more client accounts (or cash management accounts). In the method of bridging and payment processing, Checking a cache balance corresponding to the customer account (or a cache operating account) when the client terminal requests payment through at least one affiliate cache system, and comparing the cache balance with a payment amount corresponding to the payment request; As a result of the comparison, if the payment amount is larger, the customer account (or cache operating account) provided in the affiliate cache system is bridged with the customer account (or cache operating account) and replaced with the customer account provided in the account system ( Or confirming (or calculating) the amount of the account withdrawal to be settled; Processing the withdrawal (or transfer) of the account withdrawal amount from the customer account bridged with the customer account (or a cash management account) through the account system; And Confirming a transaction approval for the deposit (or transfer) transaction; And When confirming the transaction approval, processing the transaction history for the deposit (or transfer) transaction as the charge history of the customer account (or cache operating account) provided in the affiliate cache system; How to make a cash payment via account linking from. The method of claim 2, If the cash balance is greater than the comparison result, the cash payment method through the heterogeneous account connection, characterized in that further comprising the step of processing the payment amount is settled through the affiliate cache system. The method according to claim 1 or 2, And payment processing of the payment amount through a cash balance including the charge history in association with the affiliate cache system. The method according to claim 1 or 2, Receiving non-face-to-face authentication information for the customer account bridged with the customer account (or cache operating account) from the customer terminal; And And processing the non-face-to-face transaction validity of the customer account to be authenticated through a non-face-to-face authentication system provided at the financial company. The method according to claim 1 or 2, Receiving customer account (or cash management account) information and withdrawal amount information through the external world of the financial company; Confirming the customer account information and the money management account information from a storage medium storing the customer account information bridged with the customer account (or the cache operating account) and the money management account information of the affiliated company; Generating a telegram to withdraw (or transfer) the account withdrawal amount from the customer account to the fund management account; Transferring the generated telegram to the account system to process the withdrawal (or transfer) of the account withdrawal amount from the customer account bridged with the customer account (or cache operating account) to the fund management account; And And generating a transaction history corresponding to the deposit (or transfer) transaction in association with the account system. The method of claim 1, wherein the transaction history, The payment method of the cache through the heterogeneous account connection, characterized in that comprises a configuration that can be converted (or replaced) with the charge history of the affiliate cache system. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 6. A financial account system that opens and operates one or more client accounts and a fund management account in the name of an affiliate, and an affiliate cash system that manages the funds deposited in the fund management account through one or more client accounts (or cash management accounts). In the system for bridging and payment processing, When the client terminal requests payment through one or more affiliate cache systems, the client account (or cache operating account) provided in the affiliate cache system is bridged with the client account (or cache operating account) and the customer is provided in the account system. Withdrawal amount checking means for checking (or calculating) the amount of the withdrawal of the account to be replaced (or relayed) with the account; And And information transmission means for transmitting the customer account (or cache operating account) information and the account withdrawal amount information so that the affiliated company cache system and the account system are bridged. A financial account system that opens and operates one or more client accounts and a fund management account in the name of an affiliate, and an affiliate cash system that manages the funds deposited in the fund management account through one or more client accounts (or cash management accounts). In the system for bridging and payment processing, When the affiliated cash system and the account system are bridged by a payment request through at least one affiliate cache system in the client terminal, the withdrawal amount is withdrawn from the client account bridged with the client account (or cache operating account) from the account system. History receiving means for receiving a transaction history corresponding to the transaction deposited (or transferred) to the fund management account; Transaction approval confirmation means for reading the transaction details and confirming a transaction approval for the deposit (or transfer) transaction; And And a history processing means for processing the transaction details as a charge of a customer account (or a cache operating account) provided in the affiliate cache system when confirming the transaction approval. Payment system. A financial account system that opens and operates one or more client accounts and a fund management account in the name of an affiliate, and an affiliate cash system that manages the funds deposited in the fund management account through one or more client accounts (or cash management accounts). In the system that bridges and processes payment, When the client terminal requests payment through one or more affiliate cache systems, the cache payment checks the cash balance corresponding to the customer account (or cache operating account) and compares the cash balance with the payment amount corresponding to the payment request. Validation means; A customer account (or a cash management account) provided in the affiliated cash system is bridged with the customer account (or a cash management account) and replaced (or relayed) with a customer account provided in the accounting system to settle a withdrawal amount to be processed. Withdrawal amount checking means for checking (or calculating); Information transmitting means for transmitting the customer account (or cash management account) information and the withdrawal amount information to the financial institution's external system; Receive the details of receiving the transaction history corresponding to the transaction withdrawal (or transfer) the withdrawal amount from the customer account bridged with the customer account (or cash management account) from the external financial institution of the financial management account Way; Transaction approval confirmation means for reading the transaction details and confirming a transaction approval for the deposit (or transfer) transaction; And And a history processing means for processing the transaction details as a charge of a customer account (or a cache operating account) provided in the affiliate cache system when confirming the transaction approval. Payment system. The method according to claim 9, wherein And a payment processing means for processing the payment amount through the cash balance including the charges in association with the affiliate cache system. The method according to claim 9, wherein Information receiving means for receiving non-face-to-face authentication information for the customer account bridged with the customer account (or cache operating account) from the customer terminal; And And a transaction authentication processing means for processing the non-face-to-face transaction validity of the customer account through the non-face-to-face authentication system provided in the financial company. A financial account system that opens and operates one or more client accounts and a fund management account in the name of an affiliate, and an affiliate cash system that manages the funds deposited in the fund management account through one or more client accounts (or cash management accounts). In the system for bridging and payment processing, Information receiving means for receiving customer account (or cache operating account) information and withdrawal amount information through an external system of the financial company; Account verification means for verifying the customer account information and the fund management account information from a storage medium storing the customer account information bridged with the customer account (or a cache operating account) and the money management account information of the affiliated company; Full-text generating means for generating a full-text for withdrawing (or transferring) the account withdrawal amount from the customer account to the funds management account; Transaction processing means for transferring the generated full text to the account system to process the withdrawal (or transfer) of the account withdrawal amount from the customer account bridged with the customer account (or a cash management account) to the money management account; And And a history generation means for generating transaction history information corresponding to the deposit (or transfer) transaction.

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