KR20150118938A - Method for Operating Transaction by using Account Bridge - Google Patents

Abstract

According to a method for operating a transaction using an account bridge, in a method which is linked to a cash system of a non-financial partner company operating a cash operation account for cash transaction of the non-financial partner company, and is performed through a system linked to a financial system of a financial institution opening and operating a fund management account linked to the cash operation account of the cash system, information about the cash operation account operated through the cash system of the non-financial partner company, information about the fund management account opened in the financial system of the financial institution, information of bridging the cash operation account of the cash system and the fund management account of the financial system is configured and stored, transaction of the fund management account related to the cash system is confirmed in cooperation with the financial system of the financial institution, and a transaction history corresponding to the cash operation account of the cash system bridged with the fund management account of the financial system is recorded.

Description

[0001] METHOD FOR OPERATING TRANSACTION USING ACCOUNT BRIDGE [0002]

The present invention relates to a financial system of a financial institution that interlocks with a cache system of a non-financial affiliate operating a cache operational account for a cash transaction of a non-financial affiliate and opens and operates a cash management account linked to the cache operational account of the cache system The method comprising the steps of: confirming information about a cache operational account operated through a cache system of the non-financial affiliate, checking information on a fund management account opened in the financial system of the financial institution, The system comprising: a cash management system for managing the cash management account of the cash system and a financial management account of the financial system; The transaction is checked and the cash management account of the financial system and the cache of the bridged cache system To zero account relates to a transaction method of operation using the account to the bridge for processing transactions is recorded corresponding to the transaction.

As the economic activity through online has become common due to the continuous development of information and communication technology, a website requiring an online payment service has a payment payment platform that provides card payment and account transfer, However, the card payment and account transfer payment service includes a problem that a fee of a certain percentage (or a predetermined amount) of the payment amount must be provided to the payment means issuing organization or payment agency.

Accordingly, in the case of some large web sites requiring a large-scale payment service, in addition to the payment platform providing the card settlement and account transfer, a certain amount of money may be charged, And a chargeable payment means for providing services.

Herein, the most general form of the charging type payment means is such that, when a customer deposits the charging money in the money management account of the website operating agency, the website managing agency places the deposited money in the money management account in the database linked with the website (Or customer account) of the customer's name after depositing a cash or cyber money corresponding to the customer's money among the money in the cash account (or customer account) And a self-caching system for providing a payment service at the website through a cache (or cyber money).

The self-caching system is advantageous in terms of the fee reduction and securing the pre-financing from the viewpoint of the web site operating organization. However, the self-caching system is limited in that the cache used in the self-cache system is used only in the web site, It is not necessarily activated due to the inconvenience of charging the cache to the cache account (or the customer account) of the self-caching system.

Particularly, in the self-cache system, inconvenience of pre-charging of the charge before payment can be prevented by paying for payment (for example, credit card settlement, account transfer, etc.) Not only is there a widespread perception that it is to do so, but also there is a widespread feeling of refusal to pre-populate the self-caching system with its own funds, which may be used at any time.

Of course, in recent years, a part of the profit due to the fee reduction through the self-caching system is refunded to the customer, and the customer is strongly encouraged to use the self-cache system over other payment means. However, There is still a difficulty in solving the sense of rejection.

It is an object of the present invention to provide a cash management system and a cash management system that interlocks with a cash system of a non-financial affiliate operating a cash management account for cash transactions of a non-financial affiliate and opens and operates a cash management account linked to the cash management account of the cash system. The method of claim 1, further comprising the steps of: confirming information on a cache operational account operated through a cache system of the non-financial affiliate and confirming information on a fund management account opened in the financial system of the financial institution; A second step of constructing and storing information for bridging the cash management account of the cache system and the fund management account of the financial system remotely; And confirms the transaction of the fund management account related to the operational account, Using comprising a third step of treatment so that the transaction history record corresponding to the transaction in a cache operating account of the ridge cache system transaction account bridge operating method is to provide a.

A transaction management method using an account bridge according to the present invention is a transaction management method using a cash management account linked with a cache system of a non-financial partner operating a cash management account for cash transaction of a non-financial affiliate, A method of operating a system using a system linked to a financial system of a financial institution that establishes and operates the system, the method comprising: confirming information on a cache operational account operated through a cache system of the non-financial affiliate, A second step of constructing and storing information for bridging the cash management account of the cache system and the fund management account of the financial system by a first step of checking information about the account, And checks the transaction of the fund management account associated with the cache operation account of the cache system And a third step of processing the transaction records corresponding to the transactions in the cash management account of the financial system and the cache management account of the bridged cache system.

In the transaction management method using an account bridge according to the present invention, the first step includes checking information on a virtual account linked to a money management account opened in the financial system of the financial company, Comprises constructing and storing information for remotely bridging a virtual account associated with the fund management account and a cache operational account of the cache system.

In the transaction management method using an account bridge according to the present invention, a cash management account of the cache system and a bridged financial management account corresponding to the amount of money from a financial account of the customer name opened in a financial institution in cooperation with the financial system Further comprising the step of requesting a transfer so that the funds are deposited, and the third step is a step of transferring the transaction history of the transfer transaction corresponding to the transfer request to the cash management account of the bridge system and the fund management account of the financial system So as to perform the processing.

In a transaction management method using an account bridge according to the present invention, a transaction history corresponding to settlement or withdrawal transactions through the cache system is recorded during a settlement or withdrawal transaction using the cash balance of the cache operational account through the cache system So as to be able to perform the processing.

The transaction management method using the account bridge according to the present invention is performed in a system in which a financial system of a financial institution that opens and operates a money management account of a web server operator and a cache system of a web server manager that operates a customer's cache account account The method comprising: a first step of remotely bridging a cash management account of the cache system and a fund management account of the financial system; and a second step of managing the cache management account of the cache system from a financial account opened in the financial institution, A second step of checking whether the money withdrawn from the financial account is deposited as funds of the bridged money management account in cooperation with the financial system when processing the money transfer to the fund management account, The cash management system comprising: a cash management system for managing a cash management account; Characterized in that it comprises a third step of processing to be below the history record.

In the transaction management method using an account bridge according to the present invention, when money is transferred from a financial account established in a financial institution to a cache operational account of the cache system, the money is withdrawn from the financial account in cooperation with the financial system, And requesting transfer to the fund management account.

The third aspect of the present invention is a transaction management method using an account bridge according to the present invention, wherein the third step includes processing to record transaction details for withdrawing the amount of money from the cache operational account and depositing the amount into the cache system .

In the method of operating a transaction using an account bridge according to the present invention, in a transaction of withdrawing money from the cash operating account to the cash system, a transaction history corresponding to the money withdrawal is recorded in the cash operating account in cooperation with the cash system And a fourth step of maintaining the bridged fund management account as it is.

An account system of a financial institution that opens and operates a bank account of one or more customer accounts according to the present invention and an affiliate name and an affiliate company that operates funds deposited in the funds account account through one or more client accounts A method for remotely bridging a cache system by requesting settlement through one or more affiliate cache systems at a customer terminal comprises the steps of: bridging the affiliate cache system and an account system to calculate a settlement amount corresponding to the settlement request; A step of bridging the accounting system to withdraw the amount of money from the client account (or the cache operational account) and the bridged customer account and deposit (or transfer) the money to the fund management account; (Or a cache operational account) from the bridged account system (Or transferring) the amount of money from the bridged customer account and receiving (or transferring) the transaction details information to the money management account; and a step of charging the customer account (or the cache operation account) provided in the affiliate cache system And a step of processing the data as a history.

Meanwhile, an account system of a financial institution that opens and operates a bank account of one or more customer accounts according to the present invention and an affiliate name, and funds deposited in the funds account account through one or more client accounts (or a cache account account) The method comprising the steps of: when a client terminal requests settlement through one or more affiliate cache systems, a cash balance corresponding to the client account (or a cache operation account) Comparing the settlement amount corresponding to the request, and calculating an amount to settle the settlement amount by bridging the affiliate cache system and the account system; determining whether the amount of the client account (or the cache operation account) Transmitting the information from the external system to the external system of the financial institution; (Or a cash management account) and a bridge customer account, and receiving transaction history information of depositing (or transferring) the money to the funds management account through the customer account (or a cache operation account) and the transaction history to the affiliate cache system (Or a cache operating account) of the customer account.

The payment processing method using the account bridge according to the present invention is a payment processing method using an account bridge, including payment reservation information - transaction history information, reservation payment expiration date information, automatic payment setting information, payment instruction information, (A) an authentication password, and a customer communication means information, and storing it in a storage medium; and confirming customer approval (or automatic approval) of the payment reservation information in association with the storage medium .

The payment processing method using an account bridge according to the present invention is characterized by further comprising confirming transaction approval for the deposit (or transfer) transaction.

The payment processing method using an account bridge according to the present invention may further include processing the charge details into payment details of a customer account (or a cache operation account) provided in the affiliate cache system.

The payment processing method using an account bridge according to the present invention may further include a step of performing payment processing of the settlement amount through a cash balance including the charge details in connection with the affiliate cache system.

In the settlement processing method using an account bridge according to the present invention, the transaction details include an information structure capable of being converted (or substituted) into the charge details of the affiliate cache system.

On the other hand, a program for executing a payment processing method through the account bridge described above is recorded.

Meanwhile, an account system of a financial institution that opens and operates a bank account of one or more customer accounts according to the present invention and an affiliate name, and funds deposited in the funds account account through one or more client accounts (or a cache account account) A system for bridging the affiliate cache system remotely makes a settlement process, when a customer terminal requests a settlement through one or more affiliate cache systems, bridges the affiliate cache system and the account system, (Or a cash operating account) and a customer account that has been bridged in the account system and depositing (or transferring) the amount to the money management account, History receiving means for receiving the information and the transaction history to the partner cache Including details sudanreul process for processing a charge history of the customer account (or cache operation account) provided in the system is characterized in that formed.

Meanwhile, an account system of a financial institution that opens and operates a bank account of one or more customer accounts according to the present invention and an affiliate name, and funds deposited in the funds account account through one or more client accounts (or a cache account account) A system for remotely bridging an affiliate cache system to a settlement processing system is characterized in that when a customer terminal makes a settlement request through one or more affiliate cache systems, the system calculates, based on a cash balance corresponding to the client account An information transmission means for transmitting a customer account (or a cache operation account) information through the communication network and the calculated amount information to an external system of a financial institution; , The client account (or a cache operation account) and the bridge A history receiving means for receiving the transaction history information of withdrawing the amount of money from the customer account and depositing (or transferring) the money to the funds management account; and a history receiving means for receiving the transaction history from the customer account (or the cache operating account) And history processing means for processing the history information in the history information.

The settlement processing system via the account bridge according to the present invention is characterized in that the settlement processing system includes: settlement schedule information for reserving settlement processing of the settlement amount within a predetermined period; transaction history information; reservation settlement date and time information; automatic settlement setting information; An approval password, and a customer communication means information, and storing the created payment reservation information in a storage medium; and a customer approval means for confirming customer approval (or automatic approval) of the payment reservation information in association with the storage medium And further comprising:

The settlement processing system via the account bridge according to the present invention is characterized in that the settlement processing system includes: settlement schedule information for reserving settlement processing of the settlement amount within a predetermined period; transaction history information; reservation settlement date and time information; automatic settlement setting information; (Or payment details) of the settlement reservation information is not confirmed (or the settlement is canceled) after the payment reservation information is created and stored in the storage medium, and then the transaction details (or the charge details) And a settlement processing means for processing the customer account (or the cache operation account) provided in the cache system by the refund history.

The settlement processing system via the account bridge according to the present invention may further comprise transaction approval confirmation means for confirming transaction approval for the deposit (or transfer) transaction.

The settlement processing system via the account bridge according to the present invention is characterized by further comprising a settlement processing means for processing the charge details into settlement details of a customer account (or a cache operation account) provided in the affiliate cache system .

The settlement processing system via the account bridge according to the present invention may further comprise a settlement processing means for performing settlement processing of the settlement amount through a cash balance including the charge details in connection with the affiliate cache system.

According to the present invention, after bridging the customer account (or the cache operation account) provided in the affiliate cache system of the non-financial affiliate partner to the actual account of the customer name established in the financial company, (Or relay) the customer account (or the cache operation account) provided in the affiliate cache system to the actual account of the customer name established in the financial institution based on the account bridge, There is an advantage that the cash-based immediate settlement (or the reservation settlement) can be conveniently and securely provided to the client account (or the cache operation account) through the one or more payment means without pre-charging a predetermined amount of the deposit.

According to the present invention, a customer account (or a cache operation account) provided in the affiliate cache system is bridged remotely to a real account of a customer name established in a financial company, (Or charge setting amount) deposited in the actual account of the customer name is mirrored to the cash balance of the customer account (or the cache operation account) provided in the affiliate cache system, The customer's account (or the cache operation account) is treated as being charged at all times without charging the predetermined amount of money to the customer's account (or the cache operation account), thereby completely eliminating the inconvenience and rejection of the customer, There is an advantage that payment settlement is actively activated.

According to the present invention, a customer account (or a cache operation account) provided in the affiliate cache system is bridged remotely to a real account of a customer name established in a financial company, The charging amount automatically confirmed from the actual account of the customer's name is automatically charged into the cash balance of the customer account (or the cache operation account) provided in the affiliate cache system, so that the customer account (Or the cache operation account) is treated as being always charged even if the charge is not pre-charged, thereby completely eliminating the inconvenience and unreasonableness of the customer to the affiliate cache system, thereby making payment through the affiliate cache system There is an advantage of active activation.

According to the present invention, a customer account (or a cache operation account) provided in the affiliate cache system is bridged remotely to a real account of a customer name established in a financial company, (Or a cache operational account) provided in the affiliate cache system is connected to the client account (or the cache operational account) when the cache balance corresponding to the client account (or the cache operational account) is insufficient (Or relay) the settlement amount to the customer account to settle the settlement amount by the account transfer method, thereby completely solving the inconvenience and unreasonableness of the customer with respect to the affiliate cache system and advantageously activating the payment settlement through the affiliate cache system .

According to the present invention, due to the activation of the affiliate cache system of the non-financial affiliate, the non-financial affiliate has an advantage of reducing the commission due to the payment.

FIG. 1 is a diagram illustrating a configuration of an account bridge-based cash settlement system according to an embodiment of the present invention.
2 is a diagram illustrating an account registration system for account bridge-based cash settlement 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 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 embodiment of the present invention.
FIG. 6 is a diagram illustrating a remote account bridge-based cash settlement system between an affiliate cache system and an accounting system according to a first embodiment of the present invention.
FIG. 7 is a diagram illustrating a remote account bridge-based cash settlement request process between an affiliate cache system and an accounting system according to a first embodiment of the present invention.
FIG. 8 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache settlement between the affiliate cache system and the accounting system according to the first embodiment of the present invention.
9 is a diagram illustrating a remote account bridge-based cache settlement process between an affiliate cache system and an accounting system according to a first embodiment of the present invention.
10 is a diagram illustrating a remote account bridge based reservation payment system between an affiliate cache system and an account system according to a first embodiment of the present invention.
11 is a diagram illustrating a remote account bridge-based reservation payment request process between an affiliate cache system and an account system according to the first embodiment of the present invention.
FIG. 12 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based reservation payment between an affiliate cache system and an account system according to the first embodiment of the present invention.
13A and 13B illustrate a cache settlement process of a withdrawal settlement method after pre-booking through a remote account bridge between an affiliate cache system and an account system according to the first embodiment of the present invention.
FIGS. 14A and 14B illustrate a cache settlement process of a pre-paid-out pre-payment method using a remote account bridge between an affiliate cache system and an account system according to the first embodiment of the present invention.
15 is a diagram illustrating a remote account bridge-based cash settlement system between an accounting system and an affiliate cache system according to an embodiment of the present invention.
16 is a diagram illustrating a remote account bridge-based cache settlement process between an accounting system and an affiliate cache system according to a first embodiment of the present invention.
17 is a diagram illustrating a remote account bridge-based cash settlement system between an affiliate cache system and an accounting system according to a second embodiment of the present invention.
18 is a diagram illustrating a remote account bridge-based cash settlement request process between an affiliate cache system and an accounting system according to a second embodiment of the present invention.
FIG. 19 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache settlement between an affiliate cache system and an accounting system according to a second embodiment of the present invention.
20 is a diagram illustrating a remote account bridge-based cache settlement process between an affiliate cache system and an account system according to a second embodiment of the present invention.
FIG. 21 is a diagram showing a remote account bridge-based reservation payment system between an affiliate cache system and an account system according to a second embodiment of the present invention.
22 is a diagram illustrating a remote account bridge-based reservation payment request process between an affiliate cache system and an account system according to a second embodiment of the present invention.
23 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based reservation payment between an affiliate cache system and an account system according to a second embodiment of the present invention.
24A and 24B are diagrams illustrating a cash settlement process of a withdrawal payment method after pre-booking through a remote account bridge between an affiliate cache system and an account system according to a second embodiment of the present invention.
25A and 25B are views showing a cache settlement process of a pre-payout reservation payment method through a remote account bridge between an affiliate cache system and an account system according to a second embodiment of the present invention.
26 is a diagram illustrating a remote account bridge-based cash settlement system between an accounting system and an affiliate cache system according to a second embodiment of the present invention.
FIG. 27 is a diagram illustrating a remote account bridge-based cache settlement process between an accounting system and an affiliate cache system according to a second embodiment of the present invention.
28 is a diagram showing a remote account bridge-based cash settlement system between an affiliate cache system and an account system according to a third embodiment of the present invention.
FIG. 29 is a diagram illustrating a remote account bridge-based cache settlement request process between an affiliate cache system and an accounting system according to a third embodiment of the present invention.
FIG. 30 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache settlement between an affiliate cache system and an accounting system according to a third embodiment of the present invention.
31 is a diagram illustrating a remote account bridge-based cache settlement process between an affiliate cache system and an account system according to a third embodiment of the present invention.
32 is a diagram illustrating a remote account bridge based reservation payment system between an affiliate cache system and an account system according to a third embodiment of the present invention.
33 is a diagram illustrating a remote account bridge-based reservation payment request process between an affiliate cache system and an account system according to a third embodiment of the present invention.
FIG. 34 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache settlement between the affiliate cache system and the accounting system according to the third embodiment of the present invention.
FIGS. 35A and 35B illustrate a cache settlement process of a withdrawal payment method after pre-booking through a remote account bridge between an affiliate cache system and an account system according to a third embodiment of the present invention.
FIGS. 36A and 36B are views showing a cache settlement process of a pre-payout reservation payment method through a remote account bridge between an affiliate cache system and an account system according to a third embodiment of the present invention.
37 is a diagram illustrating a remote account bridge-based cash settlement system between an accounting system and an affiliate cache system according to a third embodiment of the present invention.
38 is a diagram illustrating a remote account bridge-based cache settlement process between an accounting system and an affiliate cache system according to a third embodiment of the present invention.

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

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

In order to efficiently explain the essential technical features of the present invention, the following embodiments will appropriately modify, integrate, or separate terms to be understood by those skilled in the art to which the present invention belongs , And the present invention is by no means thereby limited. That is, each means constituting the present invention may be a server (or terminal) provided on the system shown in the following embodiments, or a predetermined function constituent part provided in at least one server (or terminal) Or may be a combination of at least two or more functional components provided in one or more servers (or terminals). In addition, although the server (or terminal) shown in the following embodiments includes at least two or more functional components for the sake of convenience of the present invention, the functional components shown in the server (or terminal) The present invention can be applied to two or more servers (or terminals) that are matched with the above-described means and are different depending on the role and function of each function configuration unit and the operator (or operating agency) of the server (or terminal) No.

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

FIG. 1 is a diagram illustrating a configuration of an account bridge-based cash settlement system according to an embodiment of the present invention.

In more detail, FIG. 1 shows an example in which the fund deposited in a fund management account of a non-financial affiliate established in the financial company is linked to an affiliate server 100 (for example, a shopping mall server) provided in a non-financial affiliate affiliated with a financial institution (105) for processing cash-based payment, a financial account accounting system (125) for opening and operating one or more customer accounts and a cash management account of a non-financial affiliate, wherein the affiliate cache system (105) Based payment via the affiliate cache system 105 based on the account bridge without pre-charging the cash balance provided in the affiliate cache system 105 by remotely bridging the affiliate cache system 105 and the account system 125 And a person skilled in the art to which the present invention pertains, reference is made to FIG. 1 and / The present invention can be applied to various implementations of the account bridge-based cash settlement system (for example, some of the constituent parts may be omitted, or subdivided, or combined). However, And the technical characteristics thereof are not limited only by the method shown in FIG.

1, according to an embodiment of the present invention, the account bridge-based cash settlement system includes at least one payment means (e.g., a credit card payment means, a check card payment means, a debit card payment means, a cash card payment means, (For example, a credit card payment system, a check card payment system, a debit card payment system, a cash card payment system, a money transfer payment system, etc.) (100) communicating with the affiliate server (100) through a communication network to purchase a type / intangible product to be sold by the affiliate server (100), and transmits a payment amount corresponding to the purchase price to the affiliate server A customer terminal 130 for requesting payment processing through a payment system provided in the affiliate server 100, An affiliate cache system 105 for processing cash-based payment based on funds deposited in a fund management account of a non-financial affiliate, an account system of a financial institution for opening and operating one or more customer accounts of a non-financial affiliate, (125).

The affiliate server 100 sells one or more types of goods or intangible goods through a communication network, and the affiliate server 100 is connected to at least one payment means (for example, a credit card payment means, a check card payment means, a debit card payment means, a cash card payment means, (Such as a credit card payment system, a check card payment system, a debit card payment system, a cash card payment system, a money transfer payment system, or the like) corresponding to the payment system The affiliate server 100 includes a shopping mall server (or an open market server) for selling a type of merchandise, a content providing server for selling an intangible merchandise, a ticket reservation / reservation server , A broadcast content providing server, and the like. In the technical field of the present invention, , The technical characteristics of the affiliate server 100 that processes one or more payment settlement through the settlement system corresponding to one or more payment means are known, so that a detailed description thereof will be omitted for the sake of simplicity .

The customer terminal 130 accesses the affiliate server 100 and purchases at least one type or an intangible product and requests payment for the purchase price of the product through the payment system associated with the affiliate server 100 (ADSL) / Very High Data Rate Digital Subscriber Line (VDSL), cable communication network) based on a TCP / IP (Transmission Control Protocol / Internet Protocol) A mobile communication terminal connected to a mobile communication network based on a Code Division Multiple Access (CDMA) or a mobile communication terminal comprising at least one or more wired terminals including a desktop computer or a notebook communicatively connected to a web server, or an IEEE 802.16x- The mobile terminal includes at least one mobile 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 (e. G., Electronic money or cyber money) using a separate denomination (or real denomination) on the basis of the funds deposited in a fund management account of a non-financial affiliate established in a financial institution, (Or means) for providing a cash settlement means for the affiliate server 100 through the cache, the set of functional components (or means) (Or a customer account) for managing a cash balance obtained by converting the amount of money deposited (or transferred) through the currency conversion unit (the account) into the currency unit.

Here, the cash operating account (or the customer account) may be a charging account for a cash that is converted into a predetermined currency unit by the amount of money deposited (or transferred) to the money management account through a payment means (or a customer account) A settlement record for a cache used for payment settlement in connection with the affiliate server 100 (or one or more settlement systems associated with the affiliate cache system 105) via the charged cache, (Or an identification number), a member ID (or an identification code) for storing, recording, and managing a cash balance obtained by subtracting a cache corresponding to the settlement history from the cache.

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

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

The accounting system 125 is a system for establishing, managing and operating one or more accounts (for example, a deposit / savings account, a financial account for investment financing, a securities account for securities trading, etc.) opened in a financial institution affiliated with the non- The accounting system is an information system for storing, recording, and managing information related to the account operation, and is linked to an external system that connects the accounting system to an external system (or an accounting system 125 of another financial institution) The account system includes a ledger D / B for managing a customer ledger for opening, managing and operating the account, and a ledger for each account (for example, a receipt ledger, a credit ledger, etc.) .

According to an embodiment of the present invention, the account system 125 preferably opens, manages and operates a cash management account in the name of the non-financial affiliate, and the cash management account (or customer) It is desirable that the customer account of the registered customer name is opened, managed and operated.

Those skilled in the art will appreciate the technical features of the account system 125 in which the funds management account or one or more customer accounts are opened, managed and operated, Will be omitted for convenience.

Referring to FIG. 1, the account bridge-based cash settlement system bridges the affiliate cache system 105 and the account system 125 remotely to a cash balance of the affiliate cache system 105 The affiliate cache system 105 associated with the affiliate server 100 at the customer terminal 130 may be used to process the cash based payment through the affiliate cache system 105 based on the account bridge without pre- In order to remotely bridge the affiliate cache system 105 of the affiliate and the account system 125 of the financial institution at the time of payment settlement through the cash balance through the account bridge 105, System 110 and an affiliate cache system 105 of the affiliate company to remotely bridge the account system 125 of the financial institution and the affiliate cache system 105 And an account relay system 120 connected to the account system 125 of the financial institution. The account relay system 120 is connected to the gateway relay system 120 through the account bridge system 110, 115). ≪ / RTI >

The account bridge system 110 remotely bridges the affiliate cache system 105 and the account system 125 to form an account bridge without precharging the cash balance provided in the affiliate cache system 105 (Or means) (not shown) provided in the non-financial affiliate so as to be interlocked with the account relay system 120 provided in the financial company through a communication network, in order to process a cash-based payment through the affiliate cache system 105, The account bridge system 110 includes an account bridge D / B (for example, an account bridge) for associating and storing cache operating account (or client account) information registered in the affiliate cache system 105, And a non-financial affiliate of the non-financial affiliate, wherein the non-financial partner company performs settlement processing of a settlement amount using the affiliate cache system (105) (Or confirms) the charge amount in connection with the storage medium 1 in connection with the account bridge D / B, and transmits the charge amount to the cache operating account (or client account) through the accounting system 125 of the financial institution (Or customer account) from the bridged customer account in the accounting system 125 after processing the charging account to fill the cash operating account (or customer account) with the bridged customer account (Or transfer) transaction information corresponding to the depositing (or transferring) transaction from the accounting system 125 when the money is withdrawn and deposited (or transferred) to the fund management account of the affiliate company, and registered in the affiliate cache system 105 (Or a customer account) of the cash management account (or the customer account), and then, using the cash balance corresponding to the charge amount through the affiliate cache system 105 So that the payment amount is paid out.

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

According to another embodiment of the present invention, the account bridge system 110 includes one account bridge related server (or device) associated with the affiliate cache system 105, or one or more account bridge related servers Device). ≪ / RTI >

According to an embodiment of the present invention, the account bridge system 110 may be provided in association with the affiliate cache system 105 in an affiliate in which the affiliate cache system 105 is provided, Or some component of the account bridge system 110 may be associated with an affiliate cache system 105 in each affiliate and the remaining components may be associated with each affiliate cache system 105 on a communication network, (Or some of the components provided in the affiliate) in the communication network 105 are all possible. In particular, when some (or all) of the components of the account bridge system 110 are provided on a communication network, the account bridge system 110 is connected to the affiliate cache system 105, It is desirable to remotely bridle the system 125.

The account relay system 120 remotely bridges the affiliate cache system 105 and the account system 125 to prevent the account bridge 105 from being precharged with respect to the cash balance provided in the affiliate cache system 105 The affiliate cache system 105 may be provided in the financial institution so as to be interlocked with the account bridge system 110 provided in the non-financial affiliate through a communication network in order to process a cash- (Or relay) the cash-based payment settlement through the broker's account (or client account) to the account transfer-based payment settlement through the bridged customer account in the financial institution As a generic term, the account relay system 120 may be configured to associate partner information for operating the affiliate cache system 105, (For example, a storage medium provided to a financial institution for an account bridge) for storing the customer account information and the customer account information in association with each other, and the affiliate cache system 105 (Or a customer account) registered in the affiliate cache system 105 from the account bridge system 110 and a cash management account (or a customer account (Or customer account) information and bridged customer account information in connection with the account relay D / B, withdraws the charge amount from the customer account, and transfers the funds to the affiliate company (Or transfer) a transaction request from the customer account to the account system 125, (Or transferring) the financial transaction to the account management system of the affiliate company, and then transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge system 110 .

According to an embodiment of the present invention, it is preferable that the account bridge system 110 is provided between the accounting system 125 and the financial system provided with the accounting system 125. In this case, Preferably provides a communication interface for functionally communicating the account relay system 120 and the account bridge system 110 of the non-financial partners.

According to an embodiment of the present invention, the account bridge system 110 may further include a cash-based payment service (not shown) via the affiliate cache system 105, when the payment transaction using the affiliate cache system 105 is performed by the non- Face authentication system (not shown) for replacing (or relaying) the settlement with the cash operating account (or client account) and the account transfer-based payment settlement through the bridged customer account in the financial institution , The non-confidentiality authentication system is configured to transmit the confidential information to the cache operational account through one or more authentication means of encryption / decryption authentication means, authorized certificate authentication means, one-time password (OTP) authentication means, transaction password authentication means, (Or client) with wire transfer (or client account) and wire transfer based payment via bridged customer account To treat a non-face-to-face authentication is preferred.

According to an embodiment of the present invention, the account bridge system 110 preferably includes a functional set of account relay-related program codes provided in the computer system constituting the account system 125.

According to another embodiment of the present invention, the account bridge system 110 may include a functional group of the account relay-related program codes provided in the server (or device) associated with the computer system constituting the account system 125 .

According to another embodiment of the present invention, the account bridge system 110 includes one account relay related server (or device) associated with the computer system constituting the account system 125, or one or more account relays And a set of related servers (or devices).

According to an embodiment of the present invention, the account bridge system 110 provided in the non-financial affiliate can interwork with a plurality of account relay systems 120 provided in a plurality of financial companies, The account relay system 120 may be interworked with a plurality of account bridge systems 110 provided in a plurality of non-financial partners, and the present invention includes all the possible embodiments.

The gateway 115 may be difficult to accept the policy of the financial institution (or non-financial partners) that the account bridge system 110 and the account relay system 120 are directly communicated through a communication network Or the account bridge system 110 (or the account relay system 120) between the account bridge system 110 and the account relay system 120 in the policy of the financial institution (or non-financial affiliate) Collectively refers to functional components (or means) provided between the account bridge system 110 and the account relay system 120 in order to perform a part thereof when the account bridge system 110 and the account relay system 120 are operated. Or a secure communication path between the system 120, or in the embodiment shown below, It characterized in that carried out with a part of the functions included in unit 110 and accounts relay system 120.

For example, when it is difficult to provide an account bridge-based cash settlement interface to the customer terminal 130 in the affiliate cache system 105, the account bridge system 110 may access the customer terminal 130 through the affiliate cache system 105, And provides the account bridge-based cache payment interface to the server 130. [

Alternatively, in addition to the non-face authentication system of the financial institution in the account relay system 120, additional authentication means (e.g., separate member authentication for account bridge-based cash settlement or wireless authentication via a customer wireless terminal) It is preferable to perform the authentication function through the separate authentication means.

According to an embodiment of the present invention, when the account bridge system 110 is provided to a non-financial affiliate in an ASP (Application Service Provider) manner, the gateway 115 may include all of the functions of the account bridge system 110 And it is clear that the present invention includes the ASP-based account bridge system 110.

FIG. 2 is a diagram illustrating an account registration system for account bridge-based cash settlement according to an embodiment of the present invention.

2 shows a remote account bridge between the affiliate cache system 255 and the account relay system in the account registration server 200 when the client terminal 265 accesses the account registration server 200 via a communication network. The client terminal 265 provides the account registration interface to the customer terminal 265 and the customer account information registered in the affiliate cache system 255 through the account registration interface and the customer account information registered in the account of the financial company (Or selecting) the account registration information including the information, the account registration server 200 remotely bridges the affiliate cache system 255 and the account relay system through the account registration information to the system configuration Specifically, the customer terminal 265 is connected to an HTTP (Hyper-Text Transfer Protocol) compatible program And a terminal function of accessing the account registration server 200 using a call, and the account registration server 200 includes a server function of providing an account registration interface in the form of a web page to the customer terminal 265 And FIG.

Those skilled in the art will be able to conceive of various methods of configuring an account registration system for account bridge-based cash settlement by referring to and / or modifying FIG. 2, The invention encompasses all of the above-envisioned methods of implementation and is not limited solely to the method of operation illustrated in FIG.

For example, the customer terminal 265 has a separate program having the account registration interface. The account registration server 200 receives the account registration information through a program provided in the customer terminal 265 It is possible to remotely bridge the affiliate cache system 255 and the account relay system, and it is clear that the present invention includes the above-described method that can be inferred.

Referring to FIG. 2 according to an embodiment of the present invention, the account registration system for settlement of an account bridge-based cache includes a customer terminal 265 having one or more browser programs and connected to a communication network through the browser program, An account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system is connected to the customer terminal 265 via the communication network and when the customer terminal 265 accesses the customer terminal 265 via the communication network, (Or selects) the account registration information through the account registration interface at the customer terminal 265 and transmits the account registration information to the customer terminal 265 via the account registration information, And an account registration server (200) for remotely bridging the system.

However, the present invention is not limited thereto. The account registration server 200 may be configured such that the account registration server 200 has two or more A program code set, or a functional name implemented in the form of a server group, and the present invention is characterized in that the present invention includes all the methods that can be inferred.

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. 1, And may include a functional name of a server associated with any one of the affiliate server, the affiliate cache system 255, and the account bridge system shown in FIG. 1.

The customer terminal 265 is connected to a wired communication network based on TCP / IP (Transmission Control Protocol / Internet Protocol), for example, an asymmetric digital subscriber line (ADSL) / a very high-data rate digital subscriber line (VDSL) A mobile communication terminal connected to a mobile communication network based on a CDMA (Code Division Multiple Access), or a mobile communication terminal including at least one of a wired terminal including a desktop computer or a notebook communicatively connected to the account registration server 200, A wireless terminal including at least one portable Internet terminal connected to an 802.16x-based high-speed wireless Internet, or an IP-TV capable of bidirectional communication through any one of the wired communication network or the wireless communication network, Or a TV device (not shown) including at least one digital TV or DMB And a browser program for receiving and outputting a web page including an account registration interface for the 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 appreciate the technical features of the client terminal 265 including at least one of the wired terminal, wireless terminal or TV device (not shown) The detailed description will be omitted for convenience.

According to an embodiment of the present invention, the account registration server 200 includes at least one web page source for generating (or extracting) a web page to be provided to the customer terminal 265, and web page operation data The database is provided in a database management system (DBMS) associated with the account registration server (200).

According to an embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings (for example, one or more) 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 contents of the web page. In this case, the web page provided to the customer terminal 265 may include And a combination of a tag string (or a combination of tag strings).

According to another embodiment of the present invention, the web page source included in the web page operation data includes a web document source file corresponding to a web page to be provided from the account registration server 200 to the customer terminal 265 For example, the web page provided to the customer terminal 265 may include one or more tag strings, a script, and a web document source file including information content corresponding to the web page contents. In this case, In the case of a web document source file (e.g., a web page source file in the case of a web page without a frame, or a web page composed of two or more frames, one web document source file and two or more web documents Source file) is extracted.

The web content included in the web page management data includes a tag string that links one or more contents (e.g., text content, image content, sound content, multimedia content) among the tag strings included in the web page , One or more text content corresponding to a tag string linking the content, image content, sound content, and multimedia content.

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 a web page provided to the customer terminal 265 And a web interface unit 205 for connecting and managing a web interface for receiving various information input (or selected) by the customer terminal 265 in a GET / POST manner.

According to an embodiment of the present invention, when the customer terminal 265 is a wired terminal through which a communication channel is connected through a wired communication network based on TCP / IP, the web interface unit 205 connects the customer terminal 265 and the TCP / (* .Htm, *. Asp, *. Xml) to the customer terminal 265 via the communication channel by connecting and managing the communication channel through the IP-based HTTP protocol, ) Type web page is provided or the information input from the customer terminal 265 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, when the customer terminal 265 is a wireless terminal connected with a communication channel through a CDMA / WCDMA based wireless communication network, the web interface unit 205 transmits the CDMA / (E.g., WAP (Wireless Application Protocol), or ME (Mobile Explorer)) corresponding to the WCDMA-based wireless Internet protocol and connects the communication channel through the communication channel to the customer terminal 265 (For example, *. Wml, *. Htm) to provide a web page in the form of an HTML compatible document, or to interface the information inputted from the customer terminal 265 to be received in a GET / POST manner .

According to another embodiment of the present invention, when the customer terminal 265 is a wireless terminal connected with a communication channel through an IEEE 802.16 based wireless communication network, the web interface unit 205 connects the customer terminal 265 with the IEEE (E.g., * .htm, *. Asp, *. Asm) to the customer terminal 265 through the communication channel through the HTTP compatible protocol corresponding to the 802.16x based wireless internet protocol. xml) provided to the customer terminal 265, or to interface the information inputted from the customer terminal 265 to be received in the GET / POST manner.

2, when the customer terminal 265 accesses the account registration server 200 through the web interface unit 205 and requests an account bridge, the account registration server 200 transmits the web page operation A web page operating unit 210 (or a web page operating unit) for generating (or extracting) a web page to be provided to the customer terminal 265 based on the data, (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 on a web page generated (or extracted) , And the web page operating unit 210 processes the generated (or extracted) web page to be provided to the customer terminal 265 in association with the web interface unit 205 And a gong.

When the customer terminal 265 accesses the account registration server 200 through the web interface unit 205 and requests the account bridge, the web page operation unit 210 transmits the account bridge request to the customer terminal (Or extracts) a web page corresponding to the confirmed web page link from the web page operation data by checking the web page link to be provided to the web page management server 265, (Or extracts) a web page to be provided to the customer terminal 265 using the web page source and the web content.

(Or extracts) a web page to be provided to the customer terminal 265 by the web page operation unit 210, the web page generated (or extracted) is transferred 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 provides the web page with the account registration interface to the customer terminal 265 in cooperation with the web page operating unit 210 And the like.

According to the method of the present invention, the account registration interface preferably includes a user interface for inputting (or selecting) the account registration information through one or more form forms. In the technical field of the present invention, Since the customer terminal 265 knows the technical characteristics of the form form for inputting (or selecting) the account registration information based on the information attribute of the account registration information, In FIG. 2, a detailed form description corresponding to the account registration interface will be omitted for the sake of convenience.

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

According to the method of the present invention, the account registration interface may further include, in addition to the customer account information and the customer account information, the customer's personal information (e.g., a customer's name and a resident registration number) As shown in FIG.

The customer terminal 265 provided with the web page including the account registration interface inputs (or selects) the 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 transmits the input (or selected) account registration information to the account registration server 200 through a GET / POST method.

Referring to FIG. 2, the account registration server 200 receives (or selects) account registration information through the account registration interface at the customer terminal 265 and transmits the account registration information to the web interface unit 205 (Or information receiving means) for receiving the account registration information and a validity checking means for checking validity of the received account registration information in cooperation with the affiliate cache system 255 and the accounting system 250 And an identifying unit 225 (or validity checking means).

When the customer terminal 265 inputs (or selects) the account registration information through the account registration interface and transmits the account registration information through the GET / POST method, the information receiving unit 220 connects with the web interface unit 205, And receives the 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 account of the financial company, The customer personal information, and the customer wireless terminal information for the customer corresponding to the customer account # 0.

Here, the customer account information may include at least one of a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the fund management account in the affiliate cache system 255 As the number, the member ID information of the customer.

According to the embodiment of the present invention, the customer account information is the amount of money deposited (or transferred) through the payment means (or customer account) of a particular customer out of the amount deposited in the fund management account in the affiliate cache system 255 And a function of an identification code for storing, recording, and managing the cash balance in terms of the currency unit.

According to another embodiment of the present invention, in the affiliate cash system 255, an amount deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the fund management account, The storing, recording and management of the converted cash balance can be processed through a separate cache operating account besides the customer account.

The customer account information preferably includes an account number and financial institution information corresponding to a real account established in the customer name in a financial institution affiliated with a non-financial affiliate having the affiliate cache system 255. [

The customer personal information may include an affiliate cache system 255 provided in the non-financial affiliate, and unique customer identification information that can identify a specific customer in the account relay system provided in the financial company.

For example, it is preferable that the customer personal information includes the name and the resident registration number of the customer, and the customer personal information is transmitted to the customer information D / B (not shown) of the affiliate cache system 255 and the customer information of the account relay system It is desirable to match the customer's name and resident registration number stored in the ledger.

The customer wireless terminal information is a generic name of the wireless terminal identification information that performs functions of the wireless communication means of the customer or the wireless authentication means, 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 determines whether the affiliate cache system 255 of the non-financial affiliate partner based on the customer account information included in the account registration information ) To check whether the customer account information is valid.

If the account registration information further includes the customer personal information, the validity checking unit 225 may check whether the customer account information is valid using the customer personal information.

In addition, the validity checking unit 225 checks whether the customer account information is valid in connection with the accounting system 250 through the grandfather provided in the financial institution based on the customer account information included in the account registration information .

If the account registration information further includes the customer personal information, the validity checking unit 225 may check whether the customer account information is valid using the customer personal information.

Referring to FIG. 2, in the case where the account registration server 200 stores, records, and manages a cash balance in the affiliate cache system 255 through the cache operational account other than the client account, The account information for generating account information for storing, recording and managing the cash balance obtained by converting the money deposited (or transferred) through the payment means (or the customer account) of the specific customer among the money deposited in the account into the currency unit And an account registration processing unit 235 for processing the generated account information as cache operating account information bridged remotely from the customer account and registering the generated account information in the affiliate cache system 255 ) (Or an account registration processing means).

When the validity of the account registration information is confirmed by the validity checking unit 225 in the case where the cash balance is stored, recorded and managed in the affiliate cache system 255 through the cache operational account other than the customer account, The information generating unit 230 stores the cash balance obtained by converting the money deposited (or transferred) through the payment means (or the customer account) of the specific customer out of the money deposited in the money management account of the non-financial affiliate into the currency unit , And generates unique account information for recording and managing.

Preferably, the account information includes an account number for storing, recording, and managing the cash balance of the affiliate cache system 255. The account number system may be configured to remotely communicate with a customer account in the financial company And a virtual account number system for bridging.

According to an embodiment of the present invention, the account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and a checksum .

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 bridged remotely with the customer account provided in the financial company And registers it in the cache operating account of the affiliate cache system 255. [

If the affiliate cache system 255 includes cache account information pre-registered for self-cache settlement, the account registration processor 235 transmits the cache account information to the cache account information bridged remotely with the customer account . ≪ / RTI >

Referring to FIG. 2, the account registration server 200 receives a deposit (or a transfer) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 255 (Or cash account information) that stores, records, and manages a cash balance in which the amount of money is converted into the above-mentioned denomination, and account information (for example, account number and financial company information) (Or cache operating account) information, customer account information, and affiliate information provided in the affiliate cache system 255, so as to store the account information in the financial D / B 245, And an information storage unit 240 (or an information storage unit) for storing the customer account information and the cache operational account information so as to be stored in the D / B 260. It is possible that either one or stored, or to save both the customer account information, account information and cache operations.

The information storage unit 240 stores the payment information of the specific customer in the affiliate cash system 255 for the remote account bridge between the affiliate cache system 255 and the account relay system, The customer account information (for example, the account number and the financial company information) for storing, recording, and managing the cash balance obtained by converting the amount of money deposited (or transferred) And stores the account bridge D / B 245 (for example, a storage medium provided in a non-financial affiliate for an account bridge) provided in the non-financial partnership with the customer account information and the cache operating account It is possible that either the information is stored or both the customer account information and the cache operational account information are stored.

If the account registration information received through the information receiving unit 220 includes at least one of the customer personal information and the customer wireless terminal information, the information storage unit 240 stores the account bridge D / It is preferable that the customer personal information and the customer wireless terminal information are further stored in association with each other.

According to an embodiment of the present invention, the account bridge D / B 245 is preferably provided in the account bridge system or in a non-financial affiliate operable through the network in the account bridge system.

In addition, the information storage unit 240 may store, for the remote account bridge between the affiliate cache system 255 and the account relay system, (Or a cache account) information for storing, recording and managing the cash balance obtained by converting the amount of money deposited (or transferred) through the customer account (or the customer account) into the currency unit, the customer account information, and the affiliate cache system 255 (For example, a storage medium included in a financial institution for an account bridge) provided in the financial company, and the client account information is stored in the cache The operational account information can be stored either in either the customer account information and the cache operational account information.

If the account registration information received through the information receiving unit 220 includes at least one of the customer's personal information and the customer's wireless terminal information, the information storage unit 240 stores the account registration information in the account relay D / It is preferable that the customer personal information and the customer wireless terminal information are further stored in association with each other.

According to an embodiment of the present invention, it is preferable that the account relay D / B 260 is provided in the account bridge system or in a non-financial affiliate capable of interworking through the network in the account bridge system.

According to the present invention, the customer account (or the cache operation account) information and the customer account information are stored in association with the account bridge D / B 245 provided in the non-financial affiliate, and the account relay D / The account bridge system provided in the non-financial affiliate company may store the customer account information (or the cache account information), the customer account information, and the affiliate information provided in the affiliate cache system 255, The account relay system provided in the financial institution interlocks with the account relay system provided in the financial institution with reference to the account bridge D / B (245). The account relay system provided to the financial institution refers to the account relay D / B (260) The affiliate cash system (255), the affiliate cash system (255), and the affiliate cash system 255) and the account system 250 to cache-based payment through the affiliate cache system 255 based on the account bridge without pre-charging the cash balance provided in the affiliate cache system 255 .

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, FIG. 3 illustrates an example of a client terminal 265 having one or more browser programs, accessing the account registration server 200 shown in FIG. 2 using an HTTP compatible protocol and registering an affiliate cache system 255 and an account relay When the account registration server 200 requests the account registration interface for the remote account bridge between systems, the account registration server 200 transmits the web page to the customer terminal 265, including the account registration interface, (Or selecting) the 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 in response to the request. It will be understood by those skilled in the art that references to and / or variations on this FIG. 3 may be applied to the affiliate cache system 255 and the account relay system Various embodiments of the process of transmitting and receiving account registration information for the remote account bridge can be inferred. However, the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG. 3 .

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

Referring to FIG. 3, the terminal accesses the server through a communication network, connects a communication channel through an HTTP compatible protocol (300), transmits a web page link to the server through the communication channel, (305), and in response, the server generates (or extracts) a web page corresponding to the web page link (310).

If the account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system is not provided to the terminal during the web page creation (or extraction) (315), the server generates (Or extracts) a web page from the web page to the terminal through the communication channel, and outputs the selected web page to the terminal, and then the terminal selects (or clicks) one of the one or more web page links included in the web page, Repeat the process of transferring to the server.

Meanwhile, when the web page is created (or extracted), the server provides the account registration interface for the remote account bridge between the affiliate cache system 255 and the account relay system through the web page (315) (325) to include an account registration interface for the remote account bridge between the affiliate cache system (255) and the account relay system on the extracted (or extracted) web page (325) And transmits the page to the terminal (330).

According to the method of the present invention, the account registration interface preferably includes a user interface for inputting (or selecting) the account registration information through one or more form forms. In the technical field of the present invention, Since the customer terminal 265 knows the technical characteristics of the form form for inputting (or selecting) the account registration information 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 the sake of simplicity.

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

According to the method of the present invention, the account registration interface may further include, in addition to the customer account information and the customer account information, the customer's personal information (e.g., a customer's name and a resident registration number) As shown in FIG.

Then, 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 inputted (or selected) through the account registration interface included in the web page (step 335).

If the account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system is not input (or selected) at the terminal (340), the terminal transmits one or more web page links (Or clicks) one of them, and transmits it to the server.

Meanwhile, when the account registration information for the remote account bridge between the affiliate cache system 255 and the account relay system is input (or selected) at the terminal (340), the terminal is inputted (or selected) 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 account of the financial company, The customer personal information, and the customer wireless terminal information for the customer corresponding to the customer account # 0.

Here, the customer account information is a customer identification number for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the money deposited in the money management account, Information is preferably included.

According to the embodiment of the present invention, the customer account information is the amount of money deposited (or transferred) through the payment means (or customer account) of a particular customer out of the amount deposited in the fund management account in the affiliate cache system 255 And a function of an identification code for storing, recording, and managing the cash balance in terms of the currency unit.

According to another embodiment of the present invention, in the affiliate cash system 255, an amount deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the fund management account, The storing, recording and management of the converted cash balance can be processed through a separate cache operating account besides the customer account.

The customer account information preferably includes an account number and financial institution information corresponding to a real account established in the customer name in a financial institution affiliated with a non-financial affiliate having the affiliate cache system 255. [

The customer personal information may include an affiliate cache system 255 provided in the non-financial affiliate, and unique customer identification information that can identify a specific customer in the account relay system provided in the financial company.

For example, it is preferable that the customer personal information includes the name and the resident registration number of the customer, and the customer personal information is transmitted to the customer information D / B (not shown) of the affiliate cache system 255 and the customer information of the account relay system It is desirable to match the customer's name and resident registration number stored in the ledger.

The customer wireless terminal information is a generic name of the wireless terminal identification information that performs functions of the wireless communication means of the customer or the wireless authentication means, and preferably includes the mobile phone number of the customer.

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

4, when the account registration information is input (or selected) to the customer terminal 265 through the account registration interface through the process shown in FIG. 3 and then transmitted, A process of remotely bridging the affiliate cache system 255 and the account relay system through the account registration information at the account registration server 200. Specifically, the process of bridging the affiliate cache system 255 and the account relay system with the client account information included in the account registration information, The system 255 stores, records, and manages the cash balance obtained by converting the amount deposited (or transferred) through the payment means (or the customer account) of a specific customer out of the amount deposited in the money management account into the currency unit The customer account information and the customer account information are linked with each other so that the account bridge D / B ( 245, and stores the affiliate information, the customer account information, and the customer account information in association with each other in an account relay D / B 260 provided in the financial company.

Those skilled in the art will be able to refer to and / or modify Figure 4 to infer various implementations of the remote account bridge process between the affiliate cache system 255 and the account relay system However, the present invention includes all of the above-mentioned embodiments, and is not limited only to the embodiment shown in FIG.

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

Referring to FIG. 4, when the terminal inputs (or selects) the account registration information through the account registration interface in the process shown in FIG. 3, the account registration server 200 transmits The account registration information is received (400) and the validity of the received account registration information is confirmed (405).

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

In addition, it is preferable that the server confirms whether the customer account information is valid in connection with the accounting system 250 through the external system provided in the financial institution based on the customer account information included in the account registration information, If the account registration information further includes the customer personal information, the server may check 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 the 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 deposits) the money deposited in the funds management account through the payment means (or customer account) (For example, an account number and a financial company information) for storing, recording, and managing a cash balance obtained by converting the amount of the account balance D / B 245 (for example, a storage medium provided in a non-financial affiliate for an account bridge) 420, and stores the customer account information, customer account information, and affiliate information provided in the affiliate cache system 255 And stores it in the account relay D / B 260 (for example, a storage medium provided in the financial institution for the account bridge) provided in the financial institution (425).

If the account registration information includes at least one of the customer personal information and the customer's wireless terminal information, the server transmits the customer personal information and the customer's personal information to the account bridge D / B 245 and the account relay D / It is desirable to further associate and store the wireless terminal information.

According to another embodiment of the present invention, the method includes the steps of: associating the customer account information with customer account information and storing the customer account information and the account information in the account bridge D / B 245; The process of storing the data in the account relay D / B 260 may be performed in any order other than the order shown in FIG. 4, or may be stored in an intersecting manner, so that the present invention is not limited thereto.

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

5, when the customer terminal 265 inputs (or selects) the account registration information through the account registration interface through the process shown in FIG. 3 and transfers the account registration information to the account The process of remotely bridging the affiliate cache system 255 and the account relay system through the account registration information at the registration server 200, specifically, in the affiliate cache system 255, The cash management account information for storing, recording and managing the cash balance obtained by converting the amount of money deposited (or transferred) through the payment means (or the customer account) of a specific customer into the currency unit, The account information and the customer account information are linked and stored in the account bridge D / B (245) provided in the non-financial partnership, and the affiliate information and the cache money The account information and the customer account information are linked and stored in the account relay D / B 260 provided in the financial company.

Those skilled in the art will be able to refer to and / or modify Figure 5 to infer various implementations of the remote account bridge process between the affiliate cache system 255 and the account relay system It should be understood, however, that the present invention includes all of the above-described embodiments, and is not limited only to the embodiment shown in FIG.

For example, those skilled in the art will be able to refer to and / or modify the FIG. 5 to determine whether or not the account bridge D included in the non-financial affiliate, including both the customer account information and the cache operational account information, / B 245 and stored in the account relay D / B 260 provided in the financial institution. However, it should be apparent that the present invention includes all of the above-described embodiments. I will.

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

Referring to FIG. 5, when the terminal inputs (or selects) the account registration information through the account registration interface in the process shown in FIG. 3, the account registration server 200 transmits The account registration information is received (500) and the validity of the received account registration information is confirmed (505).

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

In addition, it is preferable that the server confirms whether the customer account information is valid in connection with the accounting system 250 through the external system provided in the financial institution based on the customer account information included in the account registration information, If the account registration information further includes the customer personal information, the server may check 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 the account registration validity error information and transmits it to the terminal (515).

On the other hand, when the validity of the account registration information is confirmed (510), the server remotely connects the customer account (or the customer account of the customer name established in the financial company) corresponding to the customer account information included in the account registration information, (520), and registers the generated cache operational account information in the affiliate cache system (255) of the non-financial affiliate (525).

If the cash management account is registered in the affiliate cache system 255 of the non-financial affiliate (530), the server checks whether the amount of money deposited in the fund management account in the affiliate cache system (255) The cash account information for storing, recording and managing the cash balance obtained by converting the amount of money deposited (or transferred) through the means (or the customer account) into the currency unit is linked with the customer account information (for example, the account number and the financial company information) (For example, a storage medium included in a non-financial affiliate for an account bridge) (535), and stores the cash account information, customer account information, and account information in the non- (For example, a storage medium provided to a financial institution for an account bridge) to the account relay D / B 260 provided in the financial institution by linking affiliate information provided with the affiliate cache system 255 (540).

If the account registration information includes at least one of the customer personal information and the customer's wireless terminal information, the server transmits the customer personal information and the customer's personal information to the account bridge D / B 245 and the account relay D / It is desirable to further associate and store the wireless terminal information.

According to another embodiment of the present invention, there is provided a method of operating a payment system, comprising the steps of: associating the cache operational account information with customer account information and storing the information in the account bridge D / B 245; And stored in the account relay D / B 260 may be changed in the order other than the order shown in FIG. 5, or may be stored in an intersecting manner, so that the present invention is not limited thereto.

FIG. 6 is a diagram illustrating a remote account bridge-based cash settlement system between an affiliate cache system 605 and an account system 690 according to a first embodiment of the present invention.

In more detail, FIG. 6 is a flowchart illustrating a method of accessing an affiliate server 600 having an affiliate cache system 605 in a customer terminal 695, purchasing one or more types or intangibles, Based cash settlement interface for the account bridge based cash settlement to the customer terminal 695 when the customer terminal 695 requests payment via the affiliate cache system 605. The customer terminal 695 provides the account bridge based cache When the payment request information is inputted (or selected) through the payment interface, the affiliate cash system 605 provided in the non-financial affiliate through the payment request information and the accounting system 690 provided in the financial company are remotely connected to the bridge The settlement amount corresponding to the purchase amount is paid out, and more specifically, The customer account (or the cache operational account) of the system 605 is mirrored with the cash balance, the smaller of the balance of the customer account remotely bridged and the predetermined charging setup amount, and displayed as the cash balance, And the requested payment settlement is processed within the cash balance limit.

Those skilled in the art will be able to refer and / or modify Figure 6 to illustrate a variety of remote account bridge-based cash payment system configurations between the affiliate cache system 605 and the account system 690 But the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG.

Referring to FIG. 6 according to an embodiment of the present invention, a remote account bridge-based cash settlement system between the affiliate cache system 605 and the accounting system 690 includes one or more browser programs, (695) connected to the customer terminal (695) via the communication network, and connected to the customer terminal (695) via the communication network at the customer terminal (695) (600) for selling goods of the affiliate server (600), and a cash-based payment settlement for a payment amount of a commodity sold by the affiliate server (600) on the basis of funds deposited in a money management account of a non- An affiliate cash system 605 for processing a purchase price of a purchased product at the customer terminal 695 through the affiliate cache system 605, The customer terminal 695 provides an account bridge-based cash settlement interface for account bridge-based cash settlement, and the settlement request information is input through the account bridge-based cash settlement interface in the customer terminal 695 The subscriber cash system 605 provided in the non-financial affiliate and the account system 690 provided in the financial institution are remotely bridged through the payment request information to settle the payment amount corresponding to the purchase price The account bridge server 610 (= the functional name of the account bridge system) that processes the account bridge server 610 and the account bridge server 610 for the remote account bridge-based cache settlement between the affiliate cache system 605 and the account system 690 An account relay server 683 (= the functional name of the account relay system) provided in the financial company, and the funds of the non-financial affiliate Including gyejeonggye system 690 to operate for accounts with one or more customer accounts, characterized by comprising.

However, the present invention is not limited thereto. The account bridge server 610 may include at least two (2) or more The present invention can be implemented in the form of a server group.

That is, it is clear 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 a physical name.

The customer terminal 695 is connected to a wired communication network based on TCP / IP (Transmission Control Protocol / Internet Protocol) (for example, an asymmetric digital subscriber line (ADSL) / a very high-data rate digital subscriber line (VDSL) A mobile communication terminal including at least one or more wired terminals including a desktop computer or a notebook communicatively connected to the account bridge server 610 or connected to a mobile communication network based on a Code Division Multiple Access (CDMA) A wireless terminal including at least one portable Internet terminal connected to an 802.16x-based high-speed wireless Internet, or an IP-TV capable of bidirectional communication through any one of the wired communication network or the wireless communication network, Or at least one TV apparatus (not shown) including at least one digital TV or DMB It characterized in that formed and to be that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Those skilled in the art will appreciate the technical features of the client terminal 695 including one or more of the wired terminal, wireless terminal or TV device (not shown) The detailed description will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 610 includes at least one web page source for generating (or extracting) a web page to be provided to the customer terminal 695, and web page operation data The DBMS is provided in a database management system (DBMS) associated with the account bridge server (610).

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

According to another 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 in the account bridge server 610 (E.g., a web document source file including at least one tag string, a script, and information content corresponding to the web page content). In this case, the web page provided to the customer terminal 695 may include one or more In the case of a web document source file (e.g., a web page source file in the case of a web page without a frame, or a web page composed of two or more frames, one web document source file and two or more web documents Source file) is extracted.

The web content included in the web page management data includes a tag string that links one or more contents (e.g., text content, image content, sound content, multimedia content) among the tag strings included in the web page , One or more text content corresponding to a tag string linking the content, image content, sound content, and multimedia content.

According to another embodiment of the present invention, the web page operation data may be transmitted to the customer terminal 695 in addition to the account bridge server 610 in accordance with a location providing the account bridge-based cache payment interface for the account bridge- The affiliate server 600, the affiliate cache system 605 and the gateway 680. The web page management data may be provided to the affiliate server 600, the affiliate cache system 605, ) And the gateway 680, as will be clear from the above description.

According to the embodiment of the present invention, the account bridge server 610 stores the customer account (or the cache operation account) information registered through the account registration system shown in FIG. 2 in association with the customer account information, The account bridge D / B 675 preferably has an account bridge D / B 675 for storing one or more pieces of information related to the customer wireless terminal information, Or the cash balance information corresponding to the customer account information (or the cache operation account) bridged remotely with the customer account (or the cache operation account), or further stores the charge setting amount information and the withdrawal limit amount information corresponding to the customer account information bridged remotely It is preferable to store them in association with each other.

Here, the cache balance information is the balance information of the cache for storing, recording, and managing, through the client account (or the cache operation account), the amount deposited in the funds management account in the affiliate cache system 605, The cash balance is always set to '0' in the cash settlement system through the cash balance mirror shown in FIG. 6A. When the cash balance is displayed on the customer terminal 695, A smaller amount of the balance is preferably displayed as the cash balance.

According to another embodiment of the present invention, when the account balance server 610 confirms the cash balance through the affiliate cache system 605, the cash balance information may be omitted in the account bridge D / B 675 The present invention is not limited thereto.

The charge setting amount information is used when the non-financial affiliate partner withdraws from the customer account (or the cache operation account) and the bridge customer account at the payment processing of the payment amount using the affiliate cache system 605, The cash settlement amount corresponding to the cash settlement amount to be displayed to the customer terminal 695 in the cash settlement system using the cash balance mirror shown in FIG. 6 as the money set to deposit (or transfer) The amount to be withdrawn (or transferred) from the customer account (or the cash management account) and the bridged customer account and transferred to the funds management account of the non-financial affiliate name is set to the amount of the settlement amount in the customer account balance (or the withdrawal limit amount) It is preferable to be set automatically.

The charging ceiling amount information is used when the non-financial affiliate withdraws from the customer account (or the cache operational account) and the bridge customer account at the time of payment processing of the payment amount using the affiliate cache system 605, The amount of money to be deposited (or transferred) to the fund management account is preferably a sum of at least one of a ceiling amount, a daily ceiling amount, a weekly ceiling amount, and a monthly ceiling amount.

If the charge setting amount information and the charging limit amount information are stored in the account relay D / B provided in the financial institution, the charge setting amount information and the charging amount limit information are stored in the account bridge D / B 675 The present invention is not limited thereto.

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 a web page provided to the customer terminal 695 And a web interface unit 615 for connecting and managing a web interface for receiving various information inputted (or selected) by the customer terminal 695 in a GET / POST manner.

According to an embodiment of the present invention, when the customer terminal 695 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the web interface unit 615 connects the customer terminal 695 and the TCP / (* .Htm, *. Asp, *. Xml) to the customer terminal 695 via the communication channel by connecting and managing the communication channel through the IP-based HTTP protocol, ) Type web page is provided or the information input from the customer terminal 695 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, when the customer terminal 695 is a wireless terminal connected with a communication channel through a CDMA / WCDMA based wireless communication network, the web interface unit 615 transmits the CDMA / (E.g., WAP (Wireless Application Protocol) or ME (Mobile Explorer)) corresponding to the WCDMA / WCDMA-based wireless internet protocol and connects the communication channel through the communication channel to the customer terminal 695 (For example, * .wml, * .htm) to provide a web page in the form of an HTML compatible document, or to interface the information input from the customer terminal 695 to be received in a GET / POST manner .

According to another embodiment of the present invention, when the customer terminal 695 is a wireless terminal connected with a communication channel through an IEEE 802.16 based wireless communication network, the web interface unit 615 connects the customer terminal 695 and the IEEE (E.g., * .htm, *. Asp, *. Asm) to the customer terminal 695 through the communication channel through the HTTP compatible protocol corresponding to the 802.16x based wireless internet protocol. xml) is provided or the information input from the customer terminal 695 is interfaced to be received in a GET / POST manner.

According to another embodiment of the present invention, the web interface unit 615 may provide the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 695 according to the position of the account bridge server 610 The web interface unit 615 may be installed in any one of the affiliate server 600, the affiliate cache system 605 and the gateway 680 in addition to the affiliate server 600, The cache system 605, and the gateway 680. It should be noted that the present invention is not limited to these embodiments.

Referring to FIG. 6, the customer terminal 695 accesses an affiliate server 600 having an affiliate cache system 605 to purchase at least one type or an intangible commodity, and calculates a purchase price for the purchased commodity Upon requesting payment via 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 A web page operation unit 620 (or a web page operation unit), and an account bridge-based cash settlement unit (not shown) connected to the web page operation unit 620 to generate (or extract) And an interface providing unit 625 (or an interface providing unit) that includes an interface. The web page operating unit 620 is connected to the web interface (Or extracted) web page to be provided to the customer terminal 695 in association with the service provider 615. [

According to another embodiment of the present invention, the web page operating unit 620 and the interface providing unit 625 provide an account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 695 The affiliate cache system 605 and the gateway 680 in addition to the account bridge server 610 according to the location of the web page operation unit 620. The present invention can be applied to the web page operation unit 620 And an interface providing unit 625 are included in any one of the affiliate server 600, the affiliate cache system 605, and the gateway 680.

The customer terminal 695 accesses the affiliate server 600 having the affiliate cache system 605 to purchase at least one type or an intangible product and a payment means for payment of the purchase price for the purchased product The web page operation unit 620 requests the settlement amount corresponding to the purchase amount to be paid through the affiliate cache system 605. The web page operation unit 620 then transmits the payment amount corresponding to the purchase amount to the affiliate cache system 605, And the account system 690 to the customer terminal 695 and generates a web page corresponding to the confirmed web page link from the web page operation data (Or extracting) the web page and the web content, and using the confirmed web page source and the web content, It characterized in that to generate the Web page to be provided to the terminal 695 (or the extract).

When the web page operating 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 accounting system 690, The interface providing unit 625 may include the account bridge-based cash settlement interface in the web page in association with the web page operating unit 620 and may be provided to the customer terminal 695.

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, As a person skilled in the art, technical characteristics of a 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 are known In FIG. 6, a detailed form description corresponding to the account bridge-based cash settlement interface will be omitted for the sake of convenience.

Here, the account bridge-based cash settlement interface is configured to transmit a smaller amount of the balance between the customer account (or the cache operation account) of the affiliate cache system 605 and the balance of the remotely bridged customer account and the predetermined charge setting amount to the cash balance And the cash balance information displayed by mirroring. It is preferable that the settlement amount corresponding to the purchase amount is displayed, and the customer account (or the cache operation account) information for the cash balance is further displayed. It is preferable that shopping information on the purchased product is further included according to the intention of the user.

According to an embodiment of the present invention, the account bridge-based cash settlement interface compares the cash balance with a settlement amount, and when the cash balance is smaller than the settlement amount, And a cash balance adjustment interface for adding and mirroring the cash balance over the payment amount.

The account bridge-based cash settlement interface may be configured to settle the payment amount through a remote account bridge between the affiliate cache system 605 and the account system 690, Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 685 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 685 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

6, when the account bridge server 610 generates (or extracts) the account bridge-based cache payment interface at the interface providing unit 625, the account bridge server 610 transmits the account bridge- The charge setting amount information for the customer account information and the balance information of the customer account and confirms the smaller of the charge setting amount information and the customer account balance as the cash balance information for the customer account And a cache balance display unit 635 (or a cache balance display means) for displaying the confirmed cache balance information on the account bridge-based cache payment interface .

When the interface provider 625 generates (or extracts) the account bridge-based cache payment interface, the cache balance verifier 630 identifies the client account (or cache) in connection with the account bridge D / B 675, And if the charge setting amount information is stored in the account relay server 683 provided in the financial institution, (Or a cache operating account) from the account relay server 683 via a remote account bridge between the affiliate cache system 605 and the account system 690. The charging server 630, And the amount information is confirmed.

The cash balance check unit 630 checks the balance information of the customer account in connection with the account relay server 683 via the remote account bridge between the affiliate cache system 605 and the account system 690 And when the customer account balance is synchronized and stored in the account bridge D / B 675 through the remote account bridge between the affiliate cache system 605 and the account system 690, the cache balance checker 630) checks balance information for the customer account (or the cache operational account) and the bridged customer account from the account bridge D / B (675).

If the charge setting amount information for the client account information (or the cache operation account) and the bridged customer account information is confirmed and the balance information for the customer account (or the cache operation account) bridged is confirmed, The cash balance confirmation unit 630 checks a smaller amount of the charge setting amount information and the customer account balance as the cash balance information for the customer account (or the cache operational account).

When the cache balance information for the customer account (or the cache operation account) is confirmed by the cache balance check unit 630, the cache balance display unit 635 displays the checked cache balance information on the interface providing unit 625, (Or extracted) in the account bridge-based cash settlement interface and output through the customer terminal 695.

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

Referring to FIG. 6, the account bridge server 610 transmits the payment request information through the payment request interface included in the account bridge-based cash settlement interface at the customer terminal 695, And an information receiving unit 640 (or information receiving means).

When the customer terminal 695 provided with the web page including the account bridge-based cash settlement interface transmits the settlement request information for the account bridge-based cash settlement through the settlement request interface included in the account bridge-based cash settlement interface , And the information receiving unit 640 receives the payment request information.

According to an embodiment of the present invention, the settlement request information may include at least one of the customer account (or cache operation account) information, payment amount information, and affiliate information for operating the affiliate cache system 605 .

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 605 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 605, and the account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

Preferably, the payment amount information includes purchase price information corresponding to a product purchased from the customer terminal 695 by connecting to the affiliate server 600. In order to perform the cache-based payment processing, And cache information corresponding to a currency unit of the affiliate cache system 605. [

The affiliate company information preferably includes affiliate identification information corresponding to the affiliate server 600 operating the affiliate cache system 605.

Referring to FIG. 6, the account bridge server 610 inputs non-face authentication information through the non-face authentication interface included in the account bridge-based cache payment interface at the customer terminal 695, (Or information receiving means) that receives the face-to-face authentication information, and an information receiver 640 (or information receiving means) that receives the face-to-face authentication information, and a remote account bridge between the affiliate cache system 605 and the account system 690 via the non- (Or relaying) the cache of the affiliate cache system 605 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the non-face-to-face transaction validity And a transaction authentication processing unit 645 (or transaction authentication processing means) for authenticating the transaction.

Face authentication information for the account bridge-based cash settlement through the non-face-to-face authentication interface included in the account bridge-based cash settlement interface at the customer terminal 695 provided with the web page including the account bridge- The information receiving unit 640 receives the non-face authentication information.

Here, the non-face authentication information may include encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information for authenticating the non-face-to-face transaction in cooperation with the non-face authentication system 685 provided in the financial company in which the customer account is established, A one-time password (OTP), a transaction password, and an account password.

Alternatively, when the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 685 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

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

When the non-face authentication information for the account bridge-based cache settlement is received through the information receiving unit 640, the transaction authentication processing unit 645 transmits the non-face authentication information to the affiliate cache system 605, System 690, or to replace the cache of the affiliate cache system 605 with the balance of the customer account (or the cache operational account) and the bridged customer account ), And authenticates the non-face-to-face transaction validity for payment of the settlement amount.

Face authentication information associated with the non-face-to-face authentication system 685 provided to the financial institution through the information receiving unit 640 according to an embodiment of the present invention, the transaction authentication processing unit 645 transmits the non-face- Face authentication information to be transmitted to the non-face-to-face authentication system 685 provided in the financial company to settle the settlement amount through the remote account bridge between the affiliate cache system 605 and the accounting system 690, It is preferable to authenticate the non-face-to-face transaction validity for replacing (or relaying) the cache of the affiliate cache system 605 with the balance of the customer account (or the cache operation account) and the bridge customer account .

According to another embodiment of the present invention, when the non-face-to-face transaction validity is authenticated using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 645 generates an arbitrary authentication number, Based authentication interface included in the account bridge-based cash settlement interface, receives the authentication number input through the non-facing authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, The settlement amount is paid through the remote account bridge between the system 605 and the account system 690 or the cache of the affiliate cache system 605 is transferred from the client account (or the cache operation account) (Or relaying) the balance to settle the settlement amount and to authenticate the non-face-to-face transaction validity Preferable.

When non-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 640 according to another embodiment of the present invention, The transaction authentication processing unit 645 compares the non-confidential authentication information with the ID / PW information stored in the member information D / B (not shown) to obtain a remote account bridge between the affiliate cache system 605 and the accounting system 690 (Or relaying) the cash of the affiliate cache system 605 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the payment amount It is desirable to verify the effectiveness of non-face-to-face transactions.

6, when the settlement request information is received from the customer terminal 695 and the non-face-to-face transaction validity for payment settlement through the remote account bridge between the affiliate cache system 605 and the account system 690 is authenticated The account bridge server 610 confirms (or calculates) the charge amount information to be withdrawn from the client account (or the cache operation account) bridged with the client account and charged to the client account (or the cache operation account) An information transmission unit 655 for transmitting the customer account (or cache operation account) information and the charge amount information to the account relay server 683 provided in the financial company, (Or information transmission means), and an account system (690) provided in the financial institution in the account relay server (683) (Or transfer) to the account of the non-financial affiliate, the history receiving unit 660 receives transaction history information corresponding to the deposit (or transfer) transaction from the accounting system 690, A transaction approval confirmation unit 665 (or a transaction approval confirmation unit) for reading the transaction details information and confirming whether the deposit (or transfer) transaction has been normally processed, (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 675 when the transaction approval for the transaction is confirmed, A history processing unit 670 (or a history processing unit) for processing the history information into a charging history of the client account (or a cache operational account) And a settlement processing unit 673 (or a settlement processing means) for processing and applying the breakdown history information as the account bridge-based settlement breakdown information and transmitting the settlement breakdown information to the customer terminal 695, When the transaction approval for the deposit (or transfer) transaction is not confirmed by the transaction approval confirmation unit 665, the payment processing unit 673 transmits the transaction history information including the unauthorized transaction information for the deposit (or transfer) Based payment history information, and transmits the processing result to the customer terminal 695.

When the settlement request information is received from the customer terminal 695 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 605 and the account system 690 is authenticated, (Or transfer) the funds to the client's account (or the cash management account of the non-financial affiliate) so that the client account (or the cache operation account) is withdrawn from the client account The amount information is confirmed or calculated according to a predetermined calculation formula.

In the cash settlement system using cash balance mirroring shown in FIG. 6, it is preferable that the charge amount includes amount information obtained by converting the cache corresponding to the settlement amount information into the real currency unit.

When the charging amount information to be charged to the customer account (or the cache operational account) is confirmed (or calculated) from the customer account (or the cache operational account) and the bridged customer account through the charging amount confirmation unit 650, The information transmission unit 655 confirms the customer account (or the cache operational account) information included in the payment request information or the customer account (or the cache operational account) in cooperation with the account bridge D / B 675, Information about the customer account (or the cache operation account) and the charge amount information is transmitted to the account relay server 683 provided in the financial company through the remote account bridge between the affiliate cache system 605 and the account system 690, To the mobile station.

Thereafter, the account relay server 683 withdraws the charge amount from the customer account (or the cache operation account) and the client account that is bridged through the account system 690 provided in the financial company, (Or transfer) the transaction information to the account bridge server 610, and the history receiver 660 transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 610. In response to the transaction history information, ) Transaction history information corresponding to the deposit (or transfer) transaction.

If the transaction history information including the transaction approval information is received through the history receiving unit 660, the transaction approval confirmation unit 665 reads the transaction history information and determines whether the transfer (or transfer) transaction is normally processed .

If it is confirmed that the deposit (or transfer) transaction has been processed normally, the history processor 670 checks the client account (or the cache operation account) bridged with the customer account in connection with the account bridge D / B 675 The affiliate cache system 605 processes the received transaction history information as the charge details of the customer account (or the cache operation account) and stores the processed transaction history information. It is desirable that the actual settlement procedure for the remote account bridge-based cache settlement process between the accounting system 690 and the accounting system 690 is completed.

The settlement processing unit 673 changes the charge details to the settlement details (or stores the settlement details in a storage medium storing the settlement details) to manage the payment history through the affiliate cache system 605, The settlement amount information is transmitted to the customer terminal 695 using the cash balance corresponding to the charge amount through the settlement amount information processing unit 695 and the payment history information is transmitted to the customer terminal 695.

On the other hand, if it is confirmed that the deposit (or transfer) transaction is normally processed, the payment processing unit 673 transmits transaction history information including transaction unapproved information for the deposit (or transfer) transaction to the account bridge- And transmits the processed data to the customer terminal 695.

FIG. 7 is a diagram illustrating a remote account bridge-based cache payment request process between an affiliate cache system 605 and an accounting system 690 according to the first embodiment of the present invention.

In more detail, FIG. 7 is a flow chart illustrating a method of purchasing one or more types or intangible goods by accessing an affiliate server 600 having an affiliate cache system 605 in a customer terminal 695, Upon requesting payment 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 to the customer terminal 695 (Or selecting) the settlement request information through the account bridge-based cache settlement interface in the customer terminal 695. More specifically, the process of inputting (or selecting) the settlement request information through the account bridge- ) Of the customer account (or the cache operational account) and the balance of remotely bridged customer accounts, And a smaller amount is mirrored with the cash balance to be displayed as the cash balance.

Those skilled in the art will be able to refer to and / or modify this FIG. 7 to provide a variety of remote account bridge-based cache payment requests between the affiliate cache system 605 and the account system 690 It should be understood that the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG.

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 "

Referring to FIG. 7, the terminal accesses an affiliate server 600 having an affiliate cache system 605 to purchase at least one type or an intangible commodity, and makes a purchase price for the purchased commodity, (700), the server concatenates a communication channel with the terminal and creates an account bridge-based cache payment interface to be provided to the terminal for payment of the account bridge-based cache (705).

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, The person skilled in the art will know the technical characteristics of the form form for inputting (or selecting) the payment request information at the terminal based on the information attribute of the payment request information. In FIG. 7, a detailed form description corresponding to the account bridge-based cash settlement interface will be omitted for the sake of convenience.

Here, the account bridge-based cash settlement interface is configured to transmit a smaller amount of the balance between the customer account (or the cache operation account) of the affiliate cache system 605 and the balance of the remotely bridged customer account and the predetermined charge setting amount to the cash balance And the cash balance information displayed by mirroring. It is preferable that the settlement amount corresponding to the purchase amount is displayed, and the customer account (or the cache operation account) information for the cash balance is further displayed. It is preferable that shopping information on the purchased product is further included according to the intention of the user.

According to an embodiment of the present invention, the account bridge-based cash settlement interface compares the cash balance with a settlement amount, and when the cash balance is smaller than the settlement amount, And a cash balance adjustment interface for adding and mirroring the cash balance over the payment amount.

The account bridge-based cash settlement interface may be configured to settle the payment amount through a remote account bridge between the affiliate cache system 605 and the account system 690, Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 685 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 685 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

When the account bridge-based cash settlement interface is created (or extracted), the server notifies the client account (or the cache operation account) registered in the affiliate cache system 605 with the charge setting amount information for the bridged customer account information, The balance information of the customer account is confirmed (710).

According to the method of the present invention, the server preferably confirms the charge setting amount information for the client account information (or the cache operation account) bridged with the account bridge D / B 675 If the charge setting amount information is stored in the account relay server 683 provided in the financial institution, the server transmits the charge setting amount information to the account relay server (612) via the remote account bridge between the affiliate cache system 605 and the account system 690 683 to confirm the charge setting amount information for the customer account information associated with the customer account (or the cache operating account).

The server preferably checks balance information of the customer account in connection with the account relay server 683 through a remote account bridge between the affiliate cache system 605 and the account system 690, When the customer account balance is synchronously stored in the account bridge D / B 675 via a remote account bridge between the system 605 and the account system 690, the server receives the account balance from the account bridge D / B 675 It is desirable to verify the balance information for the customer account (or the cache operational account) and the bridged customer account.

If the charge setting amount information for the client account (or the cache operation account) bridged with the customer account (or the cache operation account) is confirmed and the balance information for the bridged customer account is confirmed with the customer account (or the cache operation account) ), The server compares the charge setting amount information with the customer account balance information to check a smaller amount as the cache balance information for the customer account (or the cache operational account) (720), and the account bridge- (725), and transmits the account bridge-based cache settlement interface, in which the cache balance information is displayed, to the terminal (730).

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

The terminal receiving the account bridge-based cache settlement interface checks whether the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface 735. If the account bridge-based cache settlement is requested 740, And transmits settlement request information to the server through the account bridge-based cache settlement interface (745).

According to an embodiment of the present invention, the settlement request information may include at least one of the customer account (or cache operation account) information, payment amount information, and affiliate information for operating the affiliate cache system 605 .

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 605 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 605, and the account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The settlement amount information preferably includes purchase price information corresponding to a product purchased and connected to the affiliate server 600 by the terminal, and the payment amount information is stored in the affiliate cache system And cache information corresponding to the denomination of the currency unit 605. [

The affiliate company information preferably includes affiliate identification information corresponding to the affiliate server 600 operating the affiliate cache system 605.

FIG. 8 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cash settlement between the affiliate cache system 605 and the accounting system 690 according to the first embodiment of the present invention.

In more detail, FIG. 8 shows an account bridge-based cash settlement interface provided to the customer terminal 695 through the account bridge-based cash settlement request process shown in FIG. 7, or from the customer terminal 695 to the account bridge 695. [ Based authentication between the affiliate cache system 605 and the account system 690 based on the non-facing authentication interface included in the account bridge-based cache settlement interface after the settlement request information is transmitted through the base- The process of confirming the non-face-to-face transaction validity for settlement, and those skilled in the art will be able to refer to and / or modify the FIG. 8 to determine whether the affiliate cache system 605, (690) remote account cross-border transaction validation process for bridge-based cash settlement It should be understood that the present invention is not limited to the method shown in FIG.

Hereinafter, in Fig. 8, 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 "

Referring to FIG. 8, an account bridge-based cash settlement interface is provided to the customer terminal 695 through the account bridge-based cash settlement request process shown in FIG. 7, or the account bridge- After the settlement request information is transmitted through the cache settlement interface, the terminal transmits a remote account bridge based on the remote account bridge system between the affiliate cache system 605 and the account system 690 through the non- (800) whether the non-face authentication information for confirming the non-face-to-face transaction validity for cash settlement is input.

Here, the non-face authentication information may include encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information for authenticating the non-face-to-face transaction in cooperation with the non-face authentication system 685 provided in the financial company in which the customer account is established, A one-time password (OTP), a transaction password, and an account password.

Alternatively, when the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 685 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

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

If the non-face authentication information for confirming the non-face transaction validity for remote account bridge-based cash settlement between the affiliate cache system 605 and the account system 690 is input through the non-face authentication interface (805) The terminal transmits the entered non-facing authentication information to the server through the non-facing authentication interface (810).

According to an embodiment of the present invention, when the non-face authentication information includes at least one of encryption / decryption based authentication information, authorized certificate based authentication information, disposable password, transaction password, and account password, Face authentication system 685, and thus the present invention is not limited thereto.

The server then proceeds to settle the settlement amount through the remote account bridge between the affiliate cache system 605 and the account system 690 through the received non-face authentication information, (815) whether the non-face-to-face transaction validity of replacing the cache with the balance of the customer account (or the cache operation account) and the balance of the bridged customer account to settle the payment amount.

Face authentication information associated with the non-face-to-face authentication system 685 provided in the financial institution according to an embodiment of the present invention, the server transmits the non-face-to-face authentication information to the non-face- The settlement amount is paid through the remote account bridge between the affiliate cache system 605 and the account system 690 or the cache of the affiliate cache system 605 is transmitted to the client account (Or relaying) the balance of the customer account to the balance of the customer account and the balance of the bridge customer account to confirm the effectiveness of the non-face-to-face transaction.

According to another embodiment of the present invention, in the case of authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates an arbitrary authentication number and transmits it to the customer wireless terminal, Based authentication interface included in the account bridge-based cache settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, and transmits the authentication number to the affiliate cache system 605 To settle the settlement amount through the remote account bridge between the account system 690 or to replace the cache of the affiliate cache system 605 with the balance of the customer account (or the cache operational account) and the bridged customer account It is preferable to authenticate the non-face-to-face transaction validity for payment of the settlement amount.

According to another embodiment of the present invention, when non-face authentication information including ID / PW information registered in the affiliate cache system 605 (or the account bridge system) is received, the server transmits the non- (ID) information stored in the member information D / B (not shown) to settle the settlement amount through the remote account bridge between the affiliate cache system 605 and the account system 690, It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the system 605 with the balance of the client account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount.

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

If the non-face-to-face transaction validity for the account bridge-based cache settlement is confirmed through the non-face authentication information (820), the server transmits non-face authentication result information to the terminal through a communication channel (830).

FIG. 9 is a diagram illustrating a remote account bridge-based cache settlement process between the affiliate cache system 605 and the accounting system 690 according to the first embodiment of the present invention.

In more detail, FIG. 9 illustrates an account bridge-based cash settlement interface provided to the customer terminal 695 through the account bridge-based cache settlement request process shown in FIG. 7, If the non-face-to-face transaction validity for the account bridge-based cache settlement is authenticated through the non-face-to-face transaction validity checking process shown in FIG. 8, The account bridge server 610 remotely bridges the affiliate cache system 605 and the account system 690 in cooperation with the account relay server 683 provided in the financial institution to process payment settlement through the affiliate cache system 605 As a matter of course, those skilled in the art will be able to refer to FIG. 9 and / The present invention can be applied to various implementations of the remote account bridge-based cache settlement process between the affiliate cache system 605 and the account system 690. However, The present invention is not limited to the method shown in FIG.

Hereinafter, in FIG. 9, 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 the sake of convenience.

Referring to FIG. 9, the customer terminal 695 requests account bridge-based cache settlement through the account bridge-based cache settlement request process shown in FIG. 7, and the non-face transaction validity check process shown in FIG. If the non-face-to-face transaction validity for the account bridge-based cache settlement is authenticated, the server checks whether the account bridge-based cache settlement is requested from the terminal (900). If the account bridge- 905), the server extracts (or calculates) the charge amount information to be charged to the customer account (or the cache operation account) by withdrawing from the client account (or the cache operation account) and the bridged customer account (910).

If the withdrawal amount information from the client account (or the cache operation account) and the bridged customer account and the charge amount information to be charged to the customer account (or the cache operation account) is confirmed (or calculated) (915) (Or the cache operation account) information and the charge amount information to the account relay server 683 provided in the financial company through the remote account bridge between the system 605 and the account system 690 in operation 920.

Thereafter, the server checks whether transaction history information on the charge amount information is received from the account relay server 683 provided in the financial company (925).

If the transaction history information on the charge amount information is received from the account relay server 683 in step 930, the server reads the transaction history information and confirms whether the transaction has been approved in step 935.

If it is determined in step 940 that the transaction approval information on the transaction history information is not confirmed, the server processes the transaction history including transaction unauthorized information as payment history information on the affiliate cache system 605 (step 945) , And transmits payment history information about the account bridge-based cash settlement to the terminal and outputs the payment history information to the terminal (960).

On the other hand, if it is determined in step 940 that the transaction details of the transaction history information is confirmed in step 940, the server processes the transaction history information as the charge details of the affiliate cache system 605 and applies the transaction history information in step 950. (955), and transmits payment history information about the account bridge-based cash settlement to the terminal (960).

FIG. 10 is a diagram illustrating a remote account bridge-based reservation payment system between an affiliate cache system 1005 and an account system 1093 according to a first embodiment of the present invention.

In more detail, FIG. 10 is a diagram illustrating an example of a case where a customer terminal 1095 accesses an affiliate server 1000 having an affiliate cache system 1005 to purchase one or more types or intangible goods, If the customer terminal 1095 requests an account bridge-based cash settlement interface, the customer terminal 1095 provides an account bridge-based cache payment interface to the customer terminal 1095, When the payment request information is input (or selected) through the payment interface, the affiliate cache system 1005 provided in the non-financial affiliate through the payment request information and the account system 1093 provided in the financial company are remotely connected to the bridge And a payment settlement process corresponding to the purchase price, and more specifically, The customer account (or the cache operation account) of the foreign cache system 1005 and the remotely bridged customer account balance and the predetermined charge setting amount, whichever is smaller, are mirrored to the cash balance and displayed as the cash balance , The payment amount within the cash balance limit is withdrawn from the customer account (or the cache operation account) and the customer account remotely bridged by the withdrawal payment after the pre-reservation or the reservation payment method after the advance payment, The present invention relates to an implementation method.

Those skilled in the art will be able to refer to and / or modify the FIG. 10 to determine a variety of remote account bridge based payment system configurations between the affiliate cache system 1005 and the account system 1093 It should be understood that the invention encompasses all such contemplated embodiments and is not limited solely to the method of implementation illustrated in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, a remote account bridge based reservation system between the affiliate cache system 1005 and the accounting system 1093 includes one or more browser programs, (1095) connected to the customer terminal (1095) via the communication network and connected to the customer terminal (1095) via the communication network, wherein the customer terminal (1095) Based on the funds deposited in the money management account of the non-financial partners established in the financial corporation, the affiliate server 1000 that sells the products of the affiliate company 1000, An affiliate cache system 1005 for processing a purchase price of a purchased product at the customer terminal 1095, The customer terminal 1095 provides an account bridge-based cash settlement interface for account bridge-based cash settlement and requests settlement request information from the customer terminal 1095 through the account bridge-based cash settlement interface (Or selected) and transmits the payment request information to the affiliate cache system 1005 provided in the non-financial affiliate through the payment request information and the accounting system 1093 provided in the financial company remotely to bridge the payment amount corresponding to the purchase amount The account bridge server 1010 (= the functional name of the account bridge system) that performs settlement processing for the account bridge system 1010 and the account bridge system 1010 for payment of the remote account bridge based cache between the affiliate cache system 1005 and the account system 1093, An account relay server 1087 (= the functional name of the account relay system) provided in the financial institution for interlocking with the non-financial resources 1087 And an account system (1093) for operating a partner's fund management account and one or more customer accounts.

However, the present invention is not limited thereto, and the account bridge server 1010 may include a plurality of account bridge servers 1010 for each component, The present invention can be implemented in the form of a server group.

That is, it is clear that the account bridge server 1010 corresponds to the functional name of the account bridge system shown in FIG. 1 and is not limited to a physical name.

The customer terminal 1095 is connected to a wired communication network based on TCP / IP (Transmission Control Protocol / Internet Protocol) through an asymmetric digital subscriber line (ADSL) / a very high-data rate digital subscriber line (VDSL) A mobile communication terminal connected to a mobile communication network based on a CDMA (Code Division Multiple Access), or a mobile communication terminal connected to the account bridge server 1010, A wireless terminal including at least one portable Internet terminal connected to an 802.16x-based high-speed wireless Internet, or an IP-TV capable of bidirectional communication through any one of the wired communication network or the wireless communication network, Or at least one TV apparatus (not shown) including at least one digital TV or DMB And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Those skilled in the art will appreciate the technical features of the client terminal 1095 including at least one of the wired terminal, wireless terminal or TV device (not shown) The detailed description will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 1010 includes at least one web page source for generating (or extracting) a web page to be provided to the customer terminal 1095, and web page operation data The database is provided in a database management system (DBMS) associated with the account bridge server (1010).

According to an embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings (e.g., Or a tag string), at least one script to be included in the web page, and at least one information content corresponding to the content of the web page. In this case, the web page provided to the customer terminal 1095 may include And a combination of a tag string (or a combination of tag strings).

According to another embodiment of the present invention, the web page source included in the web page operation data includes a web document source file corresponding to a web page to be provided to the customer terminal 1095 in the account bridge server 1010 For example, the web page provided to the customer terminal 1095 may include one or more tag strings, a script, and a web document source file including information content corresponding to the web page content. In this case, In the case of a web document source file (e.g., a web page source file in the case of a web page without a frame, or a web page composed of two or more frames, one web document source file and two or more web documents Source file) is extracted.

The web content included in the web page management data includes a tag string that links one or more contents (e.g., text content, image content, sound content, multimedia content) among the tag strings included in the web page , One or more text content corresponding to a tag string linking the content, image content, sound content, and multimedia content.

According to another embodiment of the present invention, the web page operation data may be transmitted to the customer terminal 1095 in addition to the account bridge server 1010 according to the location of providing the account bridge-based cache payment interface for settlement of the account bridge- The affiliate server system 1000, the affiliate cache system 1005 and the gateway 1085. The present invention can be applied to the affiliate server 1000 and the affiliate cache system 1005 ) And the gateway 1085 are all included in the embodiment of the present invention.

According to an embodiment of the present invention, the account bridge server 1010 associates and stores customer account (or cache operation account) information registered through the account registration system shown in FIG. 2 and customer account information, The account bridge D / B 1083 preferably has an account bridge D / B 1083 for storing one or more pieces of information related to the customer wireless terminal information, Or the cash balance information corresponding to the customer account information (or the cache operation account) bridged remotely with the customer account (or the cache operation account), or further stores the charge setting amount information and the withdrawal limit amount information corresponding to the customer account information bridged remotely It is preferable to store them in association with each other.

Herein, the cash balance information is the balance information of the cache that is stored, recorded and managed among the amounts deposited in the funds management account in the affiliate cache system 1005 through the customer account (or the cache operation account) In the cash settlement system using the cash balance mirroring method, it is preferable that the cash balance includes '0' as long as no refund of the previous reservation payment according to the reservation settlement method after the advance payment is made, 1095, when the cash balance is displayed, a smaller amount of the charge setting amount and the customer account balance may be displayed as the cash balance.

If the refund of the previous reservation based on the pre-paid-out pre-payment method has occurred, the cash balance preferably includes a cash balance corresponding to the pre-paid amount (= refunded amount).

According to an embodiment of the present invention, when the cash balance includes a cash balance corresponding to a previously withdrawn amount (= refunded amount), the cash balance displayed on the account bridge-based cash settlement interface is set to the charge setting Preferably, the smaller of the amount and the customer's account balance is displayed as the cash balance of the customer account (or cache operating account).

According to an embodiment of the present invention, when the cash balance includes a cash balance corresponding to a previously withdrawn amount (= refunded amount), the cash balance displayed on the account bridge-based cash settlement interface is set to the charge setting It is preferable that the sum of the amount of money and the amount of the withdrawn money (= refund amount) in the smaller amount of the customer account balance is displayed as the cash balance of the customer account (or the cache operating account).

According to another embodiment of the present invention, when the account balance server 1010 checks the cash balance through the affiliate cache system 1005, the cash balance information may be omitted in the account bridge D / B 1083 The present invention is not limited thereto.

The charge setting amount information is obtained by withdrawing from the customer account (or the cache operation account) and the bridged customer account at the time of payment processing of the settlement amount using the affiliate cache system 1005 in the non-financial affiliate partner, (Or transferring) the money to the cash management account, the cash settlement system corresponding to the cash settlement amount through the cash balance mirroring shown in FIG. 10 corresponds to the cash balance to be displayed to the customer terminal 1095, The amount to be withdrawn from the client account (or the cache operation account) and the bridge customer account and transferred (or transferred) to the funds management account in the name of the non-financial affiliate is set to be the same as the settlement amount in the customer account balance (or the withdrawal limit amount) It is preferable to be set automatically.

The withdrawal limit amount information is obtained by withdrawing the withdrawal limit amount information from the client account (or the cache operation account) and the bridged customer account at the time of payment processing of the payment amount using the affiliate cache system 1005 in the non-financial affiliate, The withdrawal limit amount includes a limit amount of at least one of a one-time limit amount, a daily limit amount, a week limit limit amount, and a monthly limit amount, which is a limit amount to be deposited (or transferred) into the fund management account.

If the charge setting amount information and the withdrawal limit amount information are stored in the account relay D / B provided in the financial institution, the charge setting amount information and the withdrawal limit amount information are stored in the account bridge D / B 1083 The present invention is not limited thereto.

Referring to FIG. 10, the account bridge server 1010 provides a web page to a customer terminal 1095 using an HTTP compatible protocol corresponding to the communication network, or a web page provided to the customer terminal 1095 And a web interface unit 1015 for connecting and managing a web interface for receiving various kinds of information input (or selected) by the customer terminal 1095 in a GET / POST manner.

If the customer terminal 1095 is a wired terminal connected to a communication channel through a wired communication network based on TCP / IP according to an embodiment of the present invention, the web interface unit 1015 connects the customer terminal 1095 with the TCP / (Eg, * .htm, * .asp, * .xml) to the customer terminal 1095 through the communication channel, and connects and manages the communication channel through the IP-based HTTP protocol ) Type web page is provided or the information input from the customer terminal 1095 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, when the customer terminal 1095 is a wireless terminal connected with a communication channel through a CDMA / WCDMA based wireless communication network, the web interface unit 1015 transmits the CDMA / (E.g., WAP (Wireless Application Protocol) or ME (Mobile Explorer)) corresponding to the WCDMA-based wireless Internet protocol and connects the communication channel through the communication channel to the customer terminal 1095 (For example, * .wml, * .htm) to provide a web page in the form of an HTML compatible document, or to interface the information input from the customer terminal 1095 to be received in a GET / POST manner .

According to another embodiment of the present invention, when the customer terminal 1095 is a wireless terminal connected with a communication channel through an IEEE 802.16 based wireless communication network, the web interface unit 1015 connects the customer terminal 1095 with the IEEE (E.g., * .htm, *. Asp, *. Asm) to the customer terminal 1095 through the communication channel through the HTTP compatible protocol corresponding to the 802.16x based wireless internet protocol. xml) is provided or the information input from the customer terminal 1095 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, the web interface unit 1015 transmits the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 1095 according to the location of the account bridge server 1010 The web interface unit 1015 may be installed in any one of the affiliate server 1000, the affiliate cache system 1005 and the gateway 1085 in addition to the affiliate server 1000, The cache system 1005, and the gateway 1085. It should be noted that the present invention is not limited to these embodiments.

Referring to FIG. 10, the customer terminal 1095 accesses an affiliate server 1000 having an affiliate cache system 1005 to purchase at least one type or an intangible product, Upon requesting payment through the affiliate cache system 1005, the account bridge server 1010 generates (or extracts) a web page to be provided to the customer terminal 1095 based on the web page operation data A web page operation unit 1020 (or a web page operation unit), and an account bridge-based cache settlement unit (hereinafter, referred to as " account bridge " And an interface providing unit 1025 (or an interface providing unit) including an interface. The web page operating unit 1020 includes a web browser In conjunction with the interface unit 1015 to the Web page the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (1095).

According to another embodiment of the present invention, the web page operating unit 1020 and the interface providing unit 1025 may provide the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 1095 The affiliate cache system 1005 and the gateway 1085 in addition to the account bridge server 1010 according to the present invention. The present invention can be applied to the web page operation unit 1020, And the interface providing unit 1025 are included in any one of the affiliate server 1000, the affiliate cache system 1005, and the gateway 1085.

The customer terminal 1095 accesses the affiliate server 1000 having the affiliate cache system 1005 to purchase at least one type or an intangible product and a payment means for making a payment for the purchase price for the purchased product The web page operation unit 1020 requests the settlement amount corresponding to the purchase amount to be paid through the affiliate cache system 1005. The web page operation unit 1020 transmits the settlement amount corresponding to the purchase amount to the affiliate cache system 1005, And the account system 1093, a web page link to be provided to the customer terminal 1095 for remote account bridge-based payment processing, and generates a web page corresponding to the confirmed web page link from the web page operation data (Or extracting) the web page content and the web content, and using the confirmed web page source and the web content, A web page to be provided in the customer terminal (1095) is characterized in that to generate (or extract).

When the web page operating unit 1020 generates (or extracts) a web page to be provided to the customer terminal 1095 for remote account bridge-based payment processing between the affiliate cache system 1005 and the account system 1093, The interface providing unit 1025 may include the account bridge-based cash settlement interface in the web page in association with the web page operating unit 1020 so as to be provided to the customer terminal 1095.

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, As a person having a general knowledge in the technical field, the customer terminal 1095 knows the technical characteristics of the form form for inputting (or selecting) the payment request information based on the information attribute of the payment request information A detailed form description corresponding to the account bridge-based cash settlement interface in FIG. 10 will be omitted for the sake of convenience.

Here, the account bridge-based cache payment interface transmits a smaller amount of the balance between the customer account (or the cache operation account) of the affiliate cache system 1005 and the balance of the remotely bridged customer account and the predetermined charge setting amount to the cash balance And the cash balance information displayed by mirroring. It is preferable that the settlement amount corresponding to the purchase amount is displayed, and the customer account (or the cache operation account) information for the cash balance is further displayed. It is preferable that shopping information on the purchased product is further included according to the intention of the user.

According to an embodiment of the present invention, the account bridge-based cash settlement interface compares the cash balance with a settlement amount, and when the cash balance is smaller than the settlement amount, And a cash balance adjustment interface for adding and mirroring the cash balance over the payment amount.

The account bridge-based cash settlement interface may be configured to settle the settlement amount through a remote account bridge between the affiliate cache system 1005 and the account system 1093, Face authentication interface for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 1090 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 1090 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may further include a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (for example, payment after pre-payment after reservation or payment after pre-payment) .

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

Referring to FIG. 10, when the account bridge server 1010 generates (or extracts) the account bridge-based cache payment interface in the interface provider 1025, the account bridge server 1010 connects the client account (or the cache operation account) The charge setting amount information for the customer account information and the balance information of the customer account and confirms the smaller of the charge setting amount information and the customer account balance as the cash balance information for the customer account And a cache balance display unit 1035 (or a cache balance display means) for displaying the checked cache balance information on the account bridge-based cache payment interface .

(Or extracts) the account bridge-based cache payment interface in the interface provider 1025, the cache balance checker 1030 checks the account balance (or cache) in connection with the account bridge D / B 1083, And the charge setting amount information for the bridged customer account information. If the charge setting amount information is stored in the account relay server 1087 provided in the financial institution, (Or a cache operation account) from the account relay server 1087 via a remote account bridge between the affiliate cache system 1005 and the account system 1093, And the amount information is confirmed.

The cash balance check unit 1030 checks the balance information of the customer account in connection with the account relay server 1087 via the remote account bridge between the affiliate cache system 1005 and the account system 1093 And when the customer account balance is synchronized and stored in the account bridge D / B 1083 via the remote account bridge between the affiliate cache system 1005 and the account system 1093, the cash balance check unit 1030) confirms the balance information for the customer account (or the cache operation account) and the bridged customer account from the account bridge D / B 1083.

If the charge setting amount information for the client account (or the cache operation account) and the bridged client account information is confirmed and the balance information for the client account (or the cache operation account) bridged is confirmed, The cash balance check unit 1030 checks the charge setting amount information and the customer account balance, whichever is smaller, as the cash balance information for the customer account (or the cache operational account).

When the cache balance information for the customer account (or the cache operation account) is confirmed by the cache balance check unit 1030, the cache balance display unit 1035 displays the checked cache balance information to the interface providing unit 1025, (Or extracted) in the account bridge-based cache settlement interface and output through the customer terminal 1095.

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

Referring to FIG. 10, the account bridge server 1010 transmits the payment request information through the payment request interface included in the account bridge-based cash settlement interface at the customer terminal 1095, And an information receiving unit 1040 (or an information receiving means).

The customer terminal 1095 provided with the web page including the account bridge-based cash settlement interface transmits settlement request information for the account bridge-based cash settlement through the settlement request interface included in the account bridge-based cash settlement interface , And the information receiving unit 1040 receives the payment request information.

According to an embodiment of the present invention, the settlement request information may include at least one of the customer account (or cache operation account) information, payment amount information, and affiliate information for operating the affiliate cache system 1005 , Purchased product information according to the intention of a person skilled in the art, and payment method selection information through the payment method selection interface.

Here, the customer account information may include at least one of a customer identification (ID) for identifying an amount deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 1005 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 1005. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

Preferably, the payment amount information includes purchase price information corresponding to a product purchased by the customer terminal 1095 by connecting to the affiliate server 1000, and the payment amount information for the cache- And cache information corresponding to a currency unit of the affiliate cache system 1005. [

The affiliate company information preferably includes affiliate identification information corresponding to the affiliate server 1000 operating the affiliate cache system 1005.

10, the account bridge server 1010 inputs non-face authentication information through the non-face authentication interface included in the account bridge-based cash settlement interface in the customer terminal 1095 and transmits the non- The information receiving unit 1040 (or the information receiving means) for receiving the face-to-face authentication information and the settlement amount payment method using the remote account bridge between the affiliate cash system 1005 and the accounting system 1093 via the non- (Or relaying) the cache of the affiliate cache system 1005 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the non-face-to-face transaction validity And a transaction authentication processing unit 1045 (or transaction authentication processing means) for authenticating the transaction.

Face authentication information for the account bridge-based cash settlement through the non-face authentication interface included in the account bridge-based cash settlement interface in the customer terminal 1095 provided with the web page including the account bridge-based cash settlement interface And the information receiving unit 1040 receives the non-face authentication information when input (or selected) is transmitted.

Here, the non-face authentication information may include encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information for authenticating the non-face-to-face transaction in cooperation with the non-face authentication system 1090 provided in the financial company in which the customer account is opened, A one-time password (OTP), a transaction password, and an account password.

Alternatively, when customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 1090 provided in the financial company, Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 1005 (or the account bridge system).

When the non-face authentication information for the account bridge-based cache settlement is received through the information receiving unit 1040, the transaction authentication processing unit 1045 transmits the non-face authentication information to the affiliate cache system 1005, System 1003 or by replacing the cache of the affiliate cache system 1005 with the balance of the client account (or the cache operation account) and the bridge customer account ), And authenticates the non-face-to-face transaction validity for payment of the settlement amount.

When the non-face authentication information associated with the non-face-to-face authentication system 1090 included in the financial company is received through the information receiving unit 1040 according to an embodiment of the present invention, the transaction authentication processing unit 1045 transmits the non-face- Facsimile authentication information to be transmitted to the non-face-to-face authentication system 1090 provided in the financial institution, to settle the settlement amount through the remote account bridge between the affiliate cash system 1005 and the accounting system 1093, It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the affiliate cache system 1005 with the balance of the client account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount .

According to another embodiment of the present invention, when the non-face-to-face transaction validity is authenticated using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 1045 generates an arbitrary authentication number, Based authentication interface included in the account bridge-based cash settlement interface, receives the authentication number input through the non-facing authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, The settlement amount is paid through the remote account bridge between the system 1005 and the account system 1093 or the cache of the affiliate cache system 1005 is transferred from the client account (or the cache operation account) (Or relaying) the balance to settle the settlement amount to authenticate the non-face-to-face transaction validity desirable.

When non-face authentication information including ID / PW information registered in the affiliate cache system 1005 (or the account bridge system) is received through the information receiving unit 1040 according to another embodiment of the present invention, The transaction authentication processing unit 1045 compares the non-confidential authentication information with the ID / PW information stored in the member information D / B (not shown) and transmits the remote account bridge between the affiliate cache system 1005 and the accounting system 1093 (Or relaying) the cash of the affiliate cache system 1005 to the balance of the client account (or the cache operation account) and the bridge account of the customer, thereby paying the settlement amount It is desirable to verify the effectiveness of non-face-to-face transactions.

Referring to FIG. 10, the account bridge server 1010 checks the charge amount information to be withdrawn from the customer account (or the cache operation account) and the bridged customer account and charged to the customer account (or the cache operation account) (Or calculating) a charge amount confirmation unit 1050 (or a charge amount confirmation means).

The charging amount confirmation unit 1050 transfers money (or cash) from the client account (or the cache operation account) and the bridge customer account to the account operation account of the non-financial affiliate so that the customer account (or the cache operation account) The transfer amount information to be transferred) is calculated or calculated according to a predetermined calculation formula.

If a cashier's account balance (or a cash management account) has a cash balance corresponding to a previously withdrawn amount (= refunded amount) due to a refund of a previous reservation based on the pre-payment method , The charge amount is adjusted to an amount obtained by subtracting the cash balance from the confirmed (or calculated) charge amount.

In the cash settlement system using the cash balance mirroring shown in FIG. 10, it is preferable that the charge amount includes amount information obtained by converting the cache corresponding to the settlement amount information into the real currency unit.

Referring to FIG. 10, the account bridge server 1010 transmits payment settlement for the settlement request information through a remote account bridge between the affiliate cache system 1005 and the account system 1093 as a payout settlement method after pre-booking The settlement request information is received from the customer terminal 1095 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is authenticated, When the charge amount information to be charged to the customer account (or the cache operation account) is confirmed (or calculated) by withdrawing from the customer account (or the cache operation account) and the bridged customer account through the amount confirmation unit 1050, The settlement amount included in the request information is settled through the remote account bridge between the affiliate cache system 1005 and the account system 1093 within a predetermined time An information generating unit 1075 (or information generating means) for generating payment reservation information, and an account bridge D / B 1083 (or an information generating means) for linking the customer account (or cache operation account) (Or information storage means) for storing the settlement amount in the affiliate cash system 1005 and the account system 1093 (or the affiliate cash system 1005) via the payment reservation information and the customer communication means, A customer approval confirmation unit 1080 (or a customer approval confirmation means) for confirming a customer approval for settlement processing through the remote account bridge between the client and the client.

The settlement request information is received from the customer terminal 1095 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is authenticated, If the charge amount information to be charged to the customer account (or the cache operation account) is confirmed (or calculated) by withdrawing from the client account (or the cache operation account) and the bridged customer account through the unit 1050, (1075) transmits reservation payment expiration date information for making a payment through the remote account bridge between the affiliate cache system (1005) and the account system (1093) within a predetermined time, , Settlement instruction information, customer approval password, and customer communication means information, and may include one or more pieces of information included in the payment request information in accordance with the intention of a person skilled in the art (Or the charge amount information), the affiliate information, and the purchase product information to generate payment reservation information.

Here, the scheduled payment expiration date information includes at least one of date information and time information for expiration of reservation payment of the withdrawal payment method after the pre-reservation, and after the expiration date of the reservation payment, It is preferable that the settlement process is automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , The settlement process through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that the settlement processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or generated) or registered through an information registration procedure such as the account registration system shown in FIG. 2, or the password of the member information registered in the affiliate server 1000 (or the affiliate cache system 1005) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the payment reservation information is generated through the information generation unit 1075, the information storage unit 1077 stores the customer account (or cache operation account) information, the charge amount information, and the payment information generated by the information generation unit 1075 And stores the settlement reservation information in the account bridge D / B 1083 (or the affiliate cache system 1005) in association with each other.

The information storage unit 1077 stores the client account (or cache operation account) information, the charge amount information, and the payment reservation information in the account bridge D / B 1083 (or the affiliate cache system 1005) The customer approval confirmation unit 1080 confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005) (Or message) including payment instruction information included in the payment reservation information at least once before the payment expiration date and time, and a password input interface for inputting and transmitting the customer approval password, To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 1080 determines whether the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, Receives the customer approval password input through the password input interface from the terminal receiving the mail or the terminal using the messenger, and transmits the received customer approval password and the account bridge D / B 1083 (or the affiliate cache system 1005) with the customer approval password of the payment reservation information, and confirms the customer's approval for payment processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 .

Referring to FIG. 10, the account bridge server 1010 confirms whether the customer approval for reservation payment is confirmed by the customer approval confirmation unit 1080 or the automatic payment processing information included in the payment reservation information An information transmission unit 1055 (or information transmission means) for transmitting the customer account (or cache operation account) information and the charge amount information to the account relay server 1087 provided in the financial institution, when the reservation payment is automatically approved , The account relay server 1087 withdraws the charged amount from the client account (or the cache operational account) and the client account that is bridged through the account system 1093 provided in the financial institution, (Or transfer) a transaction history information corresponding to the deposit (or transfer) transaction from the accounting system 1093, the history receiving unit 1060 A transaction approval confirmation unit 1065 (or transaction approval confirmation means) for reading the transaction details information and confirming whether the transfer (or transfer) transaction has been normally processed; (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 1083 when confirming the approval, and transmits the received transaction history information through the affiliate cache system 1005 A history processing unit 1073 (or a history processing unit) that processes the client account (or a cache operation account) as a charge history of the customer account (or a cache operation account), and the charge history information processing unit And a settlement processing unit (or a settlement processing means) for applying the settlement history information to the customer terminal 1095 and transmitting the settlement history information to the customer terminal 1095, (Or transfer) transaction by the confirmation unit 1065 is not confirmed, the payment processor transmits transaction history information including transaction unapproved information for the deposit (or transfer) transaction to the account bridge-based payment history And transmits the processed information to the customer communication means.

When the customer approval confirmation unit 1080 confirms the customer approval for the reservation payment or the automatic payment processing information included in the payment reservation information automatically confirms the reservation payment, (Or cache operation account) information included in the payment request information, or confirms the customer account (or cache operation account) information in connection with the account bridge D / B 1083, The client account (or the cache operation account) information and the charge amount information are transmitted to the account relay server 1087 provided in the financial institution through the remote account bridge between the cache system 1005 and the account system 1093 .

Thereafter, the account relay server 1087 withdraws the charge amount from the customer account (or the cache operation account) and the client account that is bridged through the account system 1093 provided in the financial company, (Or transfer) the transaction information to the account bridge server 1010, and the history receiving unit 1060 transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account system 1010 ) Transaction history information corresponding to the deposit (or transfer) transaction.

If the transaction history information including the transaction approval information is received through the history receiving unit 1060, the transaction approval confirmation unit 1065 reads the transaction history information and determines whether the deposit (or transfer) transaction is normally processed .

If it is confirmed that the deposit (or transfer) transaction has been processed normally, the history processor 1073 checks the client account (or the cache operation account) bridged with the customer account in connection with the account bridge D / B 1083 And the transaction history information received through the affiliate cache system 1005 is processed and stored as the charge details of the customer account (or the cache operation account).

The settlement processing unit may change the charge details to the settlement details (or store the settlement details on a storage medium storing the settlement details) to manage the settlement history through the affiliate cache system 1005, The settlement amount information is processed by using the cash balance corresponding to the charge amount as the settlement amount, and the payment history information is transmitted to the customer terminal 1095.

On the other hand, when it is confirmed that the deposit (or transfer) transaction is normally processed, the payment processing unit processes the transaction history information including the unauthorized transaction information on the deposit (or transfer) transaction as the account bridge- And transmits it to the communication means.

Referring to FIG. 10, the account bridge server 1010 transmits payment settlement for the settlement request information through the remote account bridge between the affiliate cache system 1005 and the account system 1093 as a pre-payment method The settlement request information is received from the customer terminal 1095 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is authenticated, When the charge amount information to be charged to the customer account (or the cache operation account) is confirmed (or calculated) by withdrawing from the customer account (or the cache operation account) and the bridged customer account through the amount confirmation unit 1050, An information transmission unit 1055 (or information transmission means) for transmitting the account (or cache operation account) information and the charge amount information to the account relay server 1087 provided in the financial institution, , The account relay server 1087 withdraws the charged amount from the client account (or the cache operational account) and the client account that is bridged through the account system 1093 provided in the financial institution, A history receiving unit 1060 (or a history receiving unit) that receives transaction history information corresponding to the deposit (or transfer) transaction from the accounting system 1093 when depositing (or transferring) A transaction approval confirmation unit 1065 (or a transaction approval confirmation unit) for confirming whether the deposit (or transfer) transaction has been properly processed; A settlement example for settlement processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 within a predetermined period of time (Or an information generating unit) 1075 (or an information generating unit) for generating the information on the customer account (or the cache operating account), the charge balance information and the settlement reservation information to the account bridge D / B 1083 (Or information storage means) for storing the settlement amount in the cash settlement system 1005 and the account system 1093 (or the cash system 1005) A customer approval confirmation unit 1080 (or a customer approval confirmation means) for confirming a customer approval for payment processing through a remote account bridge, and the transaction approval confirmation unit 1065 may deposit Transaction history information including transaction unauthorized information on the deposit (or transfer) transaction is processed as the account bridge-based payment history information, Characterized in that obtained by having a payment processing unit for transmission by the communication means.

The settlement request information is received from the customer terminal 1095 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is authenticated, If the amount of charge information to be charged to the customer account (or the cache operational account) is confirmed (or calculated) by withdrawing from the client account (or the cache operational account) and the bridged customer account through the communication unit 1050, (Or cache operation account) information included in the payment request information, or confirms the customer account (or cache operation account) information in connection with the account bridge D / B 1083 , The client account (or the cache operation account) information and the charge amount information are provided to the financial institution through the remote account bridge between the affiliate cache system 1005 and the account system 1093 It characterized in that it sent to the relay server account (1087).

Thereafter, the account relay server 1087 withdraws the charge amount from the customer account (or the cache operation account) and the client account that is bridged through the account system 1093 provided in the financial company, (Or transfer) the transaction information to the account bridge server 1010, and the history receiving unit 1060 transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account system 1010 ) Transaction history information corresponding to the deposit (or transfer) transaction.

If the transaction history information including the transaction approval information is received through the history receiving unit 1060, the transaction approval confirmation unit 1065 reads the transaction history information and determines whether the deposit (or transfer) transaction is normally processed .

If it is confirmed that the deposit (or transfer) transaction has been normally processed, the information generating unit 1075 transmits the payment amount included in the settlement request information to the affiliate cache system 1005 and the accounting system 1093 The payment history information, the payment settlement date information, the automatic payment setting information, the payment instruction information, the customer approval password, and the customer communication means information, which are received through the history receiving unit 1060 in order to perform settlement processing through the remote account bridge And generates settlement reservation information including payment amount information (or the charge amount information) included in the settlement request information, affiliate information, and purchase product information according to the intention of a person skilled in the art.

Herein, the transaction details information is used to settle the settlement amount included in the settlement request information through the remote account bridge between the affiliate cache system 1005 and the account system 1093 within a predetermined time, (Or transfer) the withdrawal amount from the client account of the non-financial affiliate to the fund management account of the non-financial affiliate.

Wherein the reservation payment expiration date information includes at least one of date information and time information for expiration of the reservation payment of the pre-payment after withdrawal reservation scheme, and after the reservation payment expiration date and time, It is preferable that the payment processing is automatically canceled or automatically processed.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , The settlement process through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that the settlement processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or generated) or registered through an information registration procedure such as the account registration system shown in FIG. 2, or the password of the member information registered in the affiliate server 1000 (or the affiliate cache system 1005) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the payment reservation information is generated through the information generation unit 1075, the information storage unit 1077 stores the customer account (or cache operation account) information, the charge amount information, and the payment information generated by the information generation unit 1075 And stores the settlement reservation information in the account bridge D / B 1083 (or the affiliate cache system 1005) in association with each other.

According to another embodiment of the present invention, the information storage unit 1077 may process the transaction details information into a charging history for the charging amount information and store the information in the affiliate cache system 1005, The present invention is not limited thereto.

The information storage unit 1077 stores the client account (or cache operation account) information, the charge amount information, and the payment reservation information in the account bridge D / B 1083 (or the affiliate cache system 1005) The customer approval confirmation unit 1080 confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005) (Or message) including payment instruction information included in the payment reservation information at least once before the payment expiration date and time, and a password input interface for inputting and transmitting the customer approval password, To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 1080 determines whether the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, Receives the customer approval password input through the password input interface from the terminal receiving the mail or the terminal using the messenger, and transmits the received customer approval password and the account bridge D / B 1083 (or the affiliate cache system 1005) with the customer approval password of the payment reservation information, and confirms the customer's approval for payment processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 .

Referring to FIG. 10, the account bridge server 1010 confirms whether the customer approval for reservation payment is confirmed by the customer approval confirmation unit 1080 or the automatic payment processing information included in the payment reservation information (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 1083 when the reservation payment is automatically approved, and the transaction history information included in the payment reservation information A history processing unit 1073 (or a history processing unit) for processing the account details of the customer account (or the cache operation account) as the charge details, and the charge history information as the account bridge-based payment history information through the affiliate cache system 1005 And a settlement processing unit (or a settlement processing means) as the settlement history information to the customer communication means.

When the customer approval confirmation unit 1080 confirms the customer approval for the reservation payment or the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, the details processing unit 1073 (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 1083, and transmits the transaction history information included in the payment reservation information to the client account (or the cache operational account) And then stored in the memory.

The settlement processing unit may change the charge details to the settlement details (or store the settlement details on a storage medium storing the settlement details) to manage the settlement history through the affiliate cache system 1005, The settlement amount information is processed by using the cash balance corresponding to the charge amount as the settlement amount, and the payment history information is transmitted to the customer communication means.

If the reservation is unapproved until the expiration date of the reservation payment or canceled by the customer, the payment processor transmits the transaction details to the customer account (or the cache operation account) through the affiliate cache system 1005 And transmits the refund history information to the customer communication means.

FIG. 11 is a diagram illustrating a remote account bridge-based reservation payment request process between the affiliate cache system 1005 and the accounting system 1093 according to the first embodiment of the present invention.

FIG. 11 is a block diagram illustrating an example in which a client terminal 1095 accesses an affiliate server 1000 having an affiliate cache system 1005 to purchase one or more types or intangible products, Upon requesting payment through the affiliate cache system 1005, the account bridge server 1010 shown in FIG. 10 provides an account bridge-based cache payment interface for account bridge-based cache payment to the customer terminal 1095 (Or selecting) payment request information through the account bridge-based cash settlement interface in the customer terminal 1095. More specifically, the process of inputting (or selecting) the settlement request information through the account bridge- ) Or the client account (or the cache operational account) and the balance of remotely bridged customer accounts and the predefined charging settings By mirroring a smaller amount of liquid to the cash balance is for the exemplary method shown by the cash balance.

Those skilled in the art will be able to refer to and / or modify the FIG. 11 to determine a variety of remote account bridge-based reservation payment requests between the affiliate cache system 1005 and the account system 1093 However, the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG.

Hereinafter, in Fig. 11, the customer terminal 1095 shown in Fig. 10 is referred to as a " terminal "for convenience, and the account bridge server 1010 is referred to as a" server "

Referring to FIG. 11, the terminal accesses an affiliate server 1000 having an affiliate cache system 1005 to purchase at least one type or an intangible commodity, and stores a purchase price for the purchased commodity in the affiliate cache system (1100), the server connects the communication channel with the terminal and generates an account bridge-based cache payment interface to be provided to the terminal for payment of the account bridge-based cache (1105).

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, The person skilled in the art will know the technical characteristics of the form form for inputting (or selecting) the payment request information at the terminal based on the information attribute of the payment request information. In FIG. 11, a detailed form description corresponding to the account bridge-based cash settlement interface will be omitted for the sake of convenience.

Here, the account bridge-based cash settlement interface transmits a smaller amount of the balance of the customer's account remotely bridged to the customer account (or the cache operating account) of the affiliate cache system 1005 and the preset charging setup amount, And displays the payment amount corresponding to the purchase amount, and further displays the customer account (or the cache operation account) information on the cash balance. In addition, It is preferable that shopping cart information for the purchased product is further included according to the intention of the person skilled in the art.

According to an embodiment of the present invention, the account bridge-based cash settlement interface compares the cash balance with a settlement amount, and when the cash balance is smaller than the settlement amount, And a cash balance adjustment interface for adding and mirroring the cash balance over the payment amount.

The account bridge-based cash settlement interface may be configured to settle the settlement amount through a remote account bridge between the affiliate cache system 1005 and the account system 1093, Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 1090 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 1090 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may further include a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (for example, payment after pre-payment after reservation or payment after pre-payment) .

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

When the account bridge-based cash settlement interface is created (or extracted), the server obtains the charge setting amount information for the client account information (or the cache operation account) registered in the affiliate cache system 1005 and the bridged customer account information, And confirms the balance information of the customer account (1110).

According to the method of the present invention, the server preferably confirms the charge setting amount information for the client account (or the cache operation account) bridged with the account bridge D / B 1083 If the charge setting amount information is stored in the account relay server 1087 provided in the financial institution, the server transmits the charge setting amount information to the account relay server (1012) via the remote account bridge between the affiliate cache system 1005 and the accounting system 1093 1087 to confirm the charge setting amount information for the customer account information associated with the customer account (or the cache operation account).

It is preferable that the server confirms balance information of the customer account in connection with the account relay server 1087 through a remote account bridge between the affiliate cache system 1005 and the account system 1093, When the customer account balance is synchronously stored in the account bridge D / B 1083 via a remote account bridge between the system 1005 and the account system 1093, the server receives the account balance from the account bridge D / B 1083 It is desirable to verify the balance information for the customer account (or the cache operational account) and the bridged customer account.

If the charge setting amount information for the client account information (or the cache operation account) bridged with the customer account (or the cache operation account) is confirmed and the balance information for the client account bridged with the client account (or the cache operation account) is confirmed ), The server compares the charge setting amount information with the customer account balance information to check a smaller amount as the cache balance information for the customer account (or the cache operation account) (1120), and the account bridge- (1125), and transmits the account bridge-based cache settlement interface, in which the cache balance information is displayed, to the terminal (1130).

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

The terminal receiving the account bridge-based cache settlement interface checks whether the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface 1135. If the account bridge-based cache settlement is requested 1140, And transmits settlement request information to the server through the account bridge-based cache settlement interface (1145).

According to an embodiment of the present invention, the settlement request information may include at least one of the customer account (or cache operation account) information, payment amount information, and affiliate information for operating the affiliate cache system 1005 , Purchased product information according to the intention of a person skilled in the art, and payment method selection information through the payment method selection interface.

Here, the customer account information may include at least one of a customer identification (ID) for identifying an amount deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 1005 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 1005. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The settlement amount information preferably includes purchase amount information corresponding to a product purchased and connected to the affiliate server 1000 by the terminal, and the settlement amount information is stored in the affiliate cache system And cache information corresponding to the denomination of the currency unit 1005.

The affiliate company information preferably includes affiliate identification information corresponding to the affiliate server 1000 operating the affiliate cache system 1005.

12 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based reservation payment between the affiliate cache system 1005 and the accounting system 1093 according to the first embodiment of the present invention.

12 illustrates an account bridge-based cash settlement interface provided to the customer terminal 1095 through the account bridge-based cash settlement request process shown in FIG. 11, or the account bridge- Based authentication between the affiliate cache system 1005 and the account system 1093 based on the non-face-based authentication interface included in the account bridge-based cache payment interface after the payment request information is transmitted through the base- Face transaction validity for settlement, and those skilled in the art will be able to refer to and / or modify FIG. 12 to determine whether the affiliate cache system 1005 and the account system (1093) remote account cross-border transaction validation for bridge-based payment Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 12.

Hereinafter, in Fig. 12, the customer terminal 1095 shown in Fig. 10 is referred to as a " terminal "for convenience, and the account bridge server 1010 is referred to as a" server "

12, the account bridge-based cash settlement interface is provided to the customer terminal 1095 through the account bridge-based cash settlement request process shown in FIG. 11, or the account bridge-based cash settlement interface is provided from the customer terminal 1095 After the settlement request information is transmitted through the cache settlement interface, the terminal transmits a remote account bridge based between the affiliate cache system 1005 and the account system 1093 through the non-face authentication interface included in the account bridge- (1200) whether non-facing authentication information for confirming the non-face-to-face transaction validity for cash settlement is input.

Here, the non-face authentication information may include encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information for authenticating the non-face-to-face transaction in cooperation with the non-face authentication system 1090 provided in the financial company in which the customer account is opened, A one-time password (OTP), a transaction password, and an account password.

Alternatively, when customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 1090 provided in the financial company, Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 1005 (or the account bridge system).

If the non-facing authentication information for confirming the non-face transaction validity for remote account bridge-based cash settlement between the affiliate cache system 1005 and the accounting system 1093 is input through the non-face authentication interface 1205, The terminal transmits the entered non-facing authentication information to the server through the non-facing authentication interface (1210).

According to an embodiment of the present invention, when the non-face authentication information includes at least one of encryption / decryption based authentication information, authorized certificate based authentication information, disposable password, transaction password, and account password, It can be directly transmitted to the non-facing authentication system 1090, and thus the present invention is not limited thereto.

The server then proceeds to settle the settlement amount through the remote account bridge between the affiliate cache system 1005 and the account system 1093 via the received non-face authentication information, (1215) whether the non-face-to-face transaction validity of replacing the cache with the balance of the client account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount.

In a case where non-face authentication information associated with the non-face authentication system 1090 provided in the financial institution is received according to an embodiment of the present invention, the server transmits the non-face authentication information to a non-face authentication system (1090) to settle the settlement amount through the remote account bridge between the affiliate cache system 1005 and the account system 1093 or to transmit the cache of the affiliate cache system 1005 to the client account (Or relaying) the balance of the customer account to the balance of the customer account and the balance of the bridge customer account to confirm the effectiveness of the non-face-to-face transaction.

According to another embodiment of the present invention, in the case of authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates an arbitrary authentication number and transmits it to the customer wireless terminal, Based authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, and transmits the authentication number to the affiliate cache system 1005 The settlement amount is paid through the remote account bridge between the account system 1093 or the cash in the affiliate cache system 1005 is replaced with the balance of the customer account (or the cache operation account) and the bridge customer account It is preferable to authenticate the non-face-to-face transaction validity for payment of the settlement amount.

In a case where non-face authentication information including ID / PW information registered in the affiliate cache system 1005 (or the account bridge system) is received according to another embodiment of the present invention, the server transmits the non- (ID) information stored in the member information D / B (not shown) to settle the settlement amount through the remote account bridge between the affiliate cache system 1005 and the account system 1093, It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the system 1005 with the balance of the customer account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount.

If the non-face-to-face transaction validity for the account bridge-based cache settlement is not confirmed through the non-face authentication information (1220), the server transmits non-face authentication error information to the terminal via the communication channel (1225).

If the non-face-to-face transaction validity for the account bridge-based cache settlement is confirmed through the non-face authentication information (1220), the server transmits non-face authentication result information to the terminal through a communication channel (1230).

FIGS. 13A and 13B illustrate a cache settlement process of a withdrawal payment method after pre-booking through a remote account bridge between the affiliate cache system 1005 and the account system 1093 according to the first embodiment of the present invention.

13A and 13B are diagrams for explaining a case where the account bridge-based cash settlement interface is provided to the customer terminal 1095 through the account bridge-based cash settlement request process shown in FIG. 11, When the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface and the validity of the non-face trade for the account bridge-based cache settlement is authenticated through the non-face transaction validation process shown in FIG. 12, (Or the affiliate cache system 1005) by generating account information for the settlement request from the account bridge server 1010 shown in FIG. 10A, and then storing the settlement reservation information in the account bridge D / B 1083 (Or automatic acknowledgment), it is linked with the account relay server 1087 provided in the financial institution and the affiliate cache system 1005 and the account system And a process of processing payment settlement through the affiliate cache system 1005 by remotely bridging the affiliate cache 1093, and those skilled in the art will refer to FIGS. 13a and 13b It is possible to deduce various methods for the cash settlement process of the withdrawal payment method after pre-reservation through the remote account bridge bridge between the affiliate cache system 1005 and the account system 1093, All of the above-described embodiments are included, and the present invention is not limited to the embodiments shown in FIGS. 13A and 13B.

For example, if a person skilled in the art is familiar with the present invention, a cash settlement process of an immediate settlement scheme (for example, a settlement schedule information creation and storage process and a customer approval confirmation process are omitted) And the present invention is characterized in that it includes all the methods that can be inferred from the above.

13A and 13B illustrate that the charge amount information is confirmed (or calculated) in the pre-reservation process. However, the present invention is not limited thereto, (In this case, the charge amount information may be omitted (or replaced with the payment amount information) when the payment reservation information is stored), and the present invention includes all the methods that can be inferred I clarify it clearly.

Hereinafter, in the drawings 13a and 13b, the customer terminal 1095 shown in FIG. 10 is referred to as a "terminal" for convenience, and the account bridge server 1010 is referred to as a "server" for the sake of convenience.

Referring to FIGS. 13A and 13B, the customer terminal 1095 requests an account bridge-based cache settlement through the account bridge-based cash settlement request process shown in FIG. 11, and the non-face transaction validity If the validity of the non-face-to-face transaction for the account bridge-based cache settlement is authenticated through the confirmation process, the server checks 1300 whether account bridge-based cache settlement of the withdrawal settlement method after the pre-booking is requested from the terminal.

If a payment method other than the account bridge-based cash settlement of the withdrawal payment method after the pre-reservation is requested from the terminal (for example, a pre-payment method or an immediate payment method), the server responds to the requested payment method It is preferable to process the payment.

If the account bridge-based cache settlement request of the withdrawal payment method after the pre-reservation is confirmed 1305, the server withdraws from the client account (or the cache operation account) and the bridged client account, (Or calculates) the charge amount information to be charged with the charge amount information (1310).

If the charge amount information to be charged to the customer account (or the cache operation account) is confirmed (or calculated) (1315) by withdrawing from the client account (or the cache operation account) and the bridged customer account, And generates payment reservation information for account bridge-based cash settlement of the post-payment settlement method (1320).

According to the method of the present invention, the payment reservation information includes at least one of the reservation payment expiration date information, the automatic payment setting information, the payment instruction information, the customer authorization password, and the customer communication means information, The payment amount information (or the charge amount information) included in the information, the affiliate information, and the purchase item information.

Here, the scheduled payment expiration date information includes at least one of date information and time information for expiration of reservation payment of the withdrawal payment method after the pre-reservation, and after the expiration date of the reservation payment, It is preferable that the settlement process is automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , The settlement process through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that the settlement processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or generated) or registered through an information registration procedure such as the account registration system shown in FIG. 2, or the password of the member information registered in the affiliate server 1000 (or the affiliate cache system 1005) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the settlement reservation information is generated, the server associates the client account (or the cache operation account) information with the charge amount information and the generated settlement reservation information and transmits it to the account bridge D / B 1083 (or the affiliate cache system 1005 ) (1325).

Then, the server checks the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005) The customer approval for the reservation payment is confirmed at least once through the payment reservation information (1330).

According to the embodiment of the present invention, the server confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005) (Or message) including payment instruction information included in the payment reservation information at least once before the payment expiration date and time, and a password input interface for inputting and transmitting the customer approval password, To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the client approval request information (or message) is transmitted to the customer communication means, the server transmits the request to the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, (Or a terminal using a messenger) received via the password input interface, and transmits the received customer approval password to the account bridge D / B 1083 (or the affiliate cache system 1005) It is preferable to confirm the customer's approval for payment processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 by comparing the payment amount with the customer approval password of the reservation information.

If the customer's approval for the reservation payment is not confirmed 1335, the server, in association with the account bridge D / B 1083 (or the affiliate cache system 1005), transmits the reservation payment expiration date and time (Or the affiliate cache system 1005) in step 1340. If it is determined in step 1340 that the payment has expired in step 1340, the account bridge D / B 1083 (or the affiliate cache system 1005) The automatic payment processing information is read out, and automatic cancellation or automatic approval of the reservation payment is confirmed (1350).

If the automatic canceling of the reservation payment is confirmed 1355, the server processes the payment cancellation information for the automatic cancellation by the affiliate cache system 1005 as payment history information (i.e., (1360), and transmits the payment history information to the customer communication means (1365).

On the other hand, if the customer approval for the reservation payment is confirmed 1335 or if the automatic approval for the reservation payment is confirmed 1355, the server transmits a remote account bridge between the affiliate cache system 1005 and the account system 1093 (Or a cache operation account) information and charge amount information to the account relay server 1087 provided in the financial company (step 1370).

Then, the server checks whether transaction history information on the charge amount information is received from the account relay server 1087 provided in the financial company (1375).

If the transaction history information on the charge amount information is received from the account relay server 1087 in step 1380, the server reads the transaction history information and confirms whether the transaction has been approved in step 1385.

If it is determined in step 1390 that the transaction approval information on the transaction history information is not confirmed, the server processes the transaction history including transaction unauthorized information as the payment history information on the affiliate cache system 1005 in step 1392, , And transmits payment history information for the account bridge-based cash settlement to the customer communication means and outputs the payment history information to the customer communication means (1398).

On the other hand, if it is determined in step 1390 that the transaction approval information on the transaction history information is confirmed in step 1390, the server processes the transaction history information as the charge details of the affiliate cache system 1005 (1394) (1396), and transmits the payment history information for the account bridge-based cash settlement to the terminal (1398).

FIGS. 14A and 14B illustrate a cache settlement process of a post-withdrawal reservation payment method through a remote account bridge between the affiliate cache system 1005 and the accounting system 1093 according to the first embodiment of the present invention.

14A and 14B illustrate a case where the account bridge-based cash settlement interface is provided to the customer terminal 1095 through the account bridge-based cash settlement request process shown in FIG. 11, When the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface and the validity of the non-face trade for the account bridge-based cache settlement is authenticated through the non-face transaction validation process shown in FIG. 12, The account bridge server 1010 shown in FIG. 10 interworks with the account relay server 1087 provided in the financial institution to remotely bridge the affiliate cache system 1005 and the account system 1093 to withdraw the charge amount from the customer account, (Or transfers) the payment request information to the account, generates payment reservation information for the payment request, and sends it to the account bridge D / B 108 3) (or the affiliate cache system 1005), and processes payment settlement through the affiliate cache system 1005 based on the customer approval (or automatic approval) of the payment reservation, Those skilled in the art will be able to refer to and / or modify the Figures 14a and 14b to determine whether or not to pre-pay through the remote account bridge bridge between the affiliate cache system 1005 and the account system 1093 It will be appreciated that the present invention can be embodied in all modes of practicing the present invention and is not limited only to the method shown in Figures 14a and 14b.

For example, if a person skilled in the art is familiar with the present invention, a cash settlement process of an immediate payment method (for example, a process of generating and storing settlement reservation information and a process of confirming a customer approval) is omitted And the present invention is characterized in that it includes all the methods that can be inferred from the above.

14A and 14B, the customer terminal 1095 shown in FIG. 10 is referred to as a " terminal "for convenience, and the account bridge server 1010 is referred to as a" server "

Referring to FIGS. 14A and 14B, the customer terminal 1095 requests an account bridge-based cache settlement through the account bridge-based cache settlement request process shown in FIG. 11, and the non- If the validity of the non-face-to-face transaction for the account bridge-based cache settlement is authenticated through the confirmation process, the server checks 1400 whether the account bridge-based cache settlement of the pre-payment method is performed.

If a payment method other than the account bridge-based cash settlement of the post-withdrawal payment method is requested from the terminal (for example, a prepaid settlement method or an immediate payment method), the server responds to the requested payment method It is preferable to process the payment.

If the account bridge-based cache settlement request of the pre-payment method is confirmed 1405, the server withdraws from the client account (or the cache operation account) and the bridged client account, (Or calculates) the charge amount information to be charged with the charge amount information (1410).

If the credit amount information to be withdrawn from the client account (or the cache operational account) and the bridged client account and charged to the client account (or the cache operational account) is confirmed (or calculated) (1415) The customer account (or the cache operation account) information and the charge amount information are transmitted to the account relay server 1087 provided in the financial company through the remote account bridge between the system 1005 and the account system 1093 (1420).

Thereafter, the server checks whether transaction history information on the charged amount information is received from the account relay server 1087 provided in the financial institution (1425).

If the transaction history information on the charge amount information is received from the account relay server 1087 (1430), the server reads the transaction history information and confirms whether the transaction is approved (1435).

If it is determined in step 1440 that the transaction approval information on the transaction history information is not confirmed, the server processes the transaction history including transaction unauthorized information as the payment history information on the affiliate cache system 1005 in step 1445, , And transmits payment history information for the account bridge-based cash settlement to the customer communication means and outputs it (1450).

On the other hand, if it is determined in step 1440 that the transaction approval information on the transaction history information is confirmed, the server generates payment reservation information for account bridge-based cash settlement in the pre-payment method.

According to the method of the present invention, the payment reservation information includes at least one of the transaction details information, the reservation payment expiration date information, the automatic payment setting information, the payment instruction information, the customer approval password, and the customer communication means information, The payment amount information (or the charge amount information) included in the payment request information, the affiliate information, and the purchase product information.

Herein, the transaction details information is used to settle the settlement amount included in the settlement request information through the remote account bridge between the affiliate cache system 1005 and the account system 1093 within a predetermined time, (Or transfer) the withdrawal amount from the client account of the non-financial affiliate to the fund management account of the non-financial affiliate.

Wherein the reservation payment expiration date information includes at least one of date information and time information for expiration of the reservation payment of the pre-payment method after the payment, and after the reservation payment expiration date and time, It is preferable that the payment processing is automatically canceled or automatically processed.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , The settlement process through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that the settlement processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or generated) or registered through an information registration procedure such as the account registration system shown in FIG. 2, or the password of the member information registered in the affiliate server 1000 (or the affiliate cache system 1005) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the settlement reservation information is generated, the server associates the client account (or the cache operation account) information with the charge amount information and the generated settlement reservation information and transmits it to the account bridge D / B 1083 (or the affiliate cache system 1005 ) (1460).

Then, the server checks the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005) The customer approval for the reservation payment is confirmed at least once through the payment reservation information (1465).

According to the embodiment of the present invention, the server confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 1083 (or the affiliate cache system 1005) (Or message) including payment instruction information included in the payment reservation information at least once before the payment expiration date and time, and a password input interface for inputting and transmitting the customer approval password, To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the client approval request information (or message) is transmitted to the customer communication means, the server transmits the request to the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, (Or a terminal using a messenger) received via the password input interface, and transmits the received customer approval password to the account bridge D / B 1083 (or the affiliate cache system 1005) It is preferable to confirm the customer's approval for payment processing through the remote account bridge between the affiliate cache system 1005 and the account system 1093 by comparing the payment amount with the customer approval password of the reservation information.

If the customer approval for the reservation payment is not confirmed 1470, the server notifies the account bridge D / B 1083 (or the affiliate cache system 1005) (Or the affiliate cache system 1005) of the settlement scheduling information in step 1475. If the settlement expiration date and time has elapsed in step 1480, the account bridge D / B 1083 (or the affiliate cache system 1005) The automatic payment processing information is read out, and automatic cancellation or automatic approval of the reservation payment is confirmed (1482).

If the automatic canceling of the reservation payment is confirmed (1484), the server processes the transaction details information included in the payment reservation information as the refund details of the affiliate cache system 1005 in response to the automatic cancellation (1486 , And transmits the refund history information to the customer communication means (1488).

If the customer approval for the reservation payment is confirmed 1470 or the automatic approval for the reservation payment is confirmed 1484, the server transmits the account bridge D / B 1083 (or the affiliate cache system 1005) (1490), the transaction details information included in the payment reservation information is processed and applied as the charge details of the affiliate cache system (1005) (1492), and the charge details are transferred to the account (1494), and transmits the payment history information for the account bridge-based cash settlement to the terminal (1496).

FIG. 15 is a diagram illustrating a remote account bridge-based cash settlement system between an accounting system 1565 and an affiliate cache system 1505 according to an embodiment of the present invention.

More specifically, FIG. 15 illustrates an example in which a customer terminal 1570 accesses an affiliate server 1500 having an affiliate cache system 1505 to purchase one or more types or intangible goods, When the account bridge server 1510 shown in FIG. 6 or FIG. 10 transmits a customer account (or cache operation account) information and charge amount information by requesting payment through the affiliate cache system 1505, A transaction request telegram for confirming the account (or the cache operation account) information and the bridged customer account information, withdrawing the charge amount from the customer account and depositing (or transferring) the money to the account of the partner company, (1565) for withdrawing the charged amount from the customer account and depositing (or transferring) the deposited amount to the fund management account of the affiliated company And transmits transaction details information corresponding to the deposit (or transfer) transaction to the account bridge server 1510 after the process is completed. If the person skilled in the art is familiar with the present invention, 15 may be referenced and / or modified to infer various implementations of the remote account bridge-based cash settlement system configuration between the accounting system 1565 and the affiliate cache system 1505, but the present invention is not limited to all of the above- Method, and is not limited to the method shown in FIG. 15 only.

15, a remote account bridge based cash settlement system between the accounting system 1565 and the affiliate cache system 1505 includes one or more browser programs, A client terminal 1570 connected to a communication network and connected to the customer terminal 1570 via the communication network and adapted to connect to the customer terminal 1570 via the communication network at the customer terminal 1570, Based on the funds deposited in the funds management account of the non-financial partners established in the financial corporation, the affiliate server 1500 that sells products of the affiliate company 1500, An affiliate cache system 1505 for processing a purchase price of a purchased product in the customer terminal 1570, Based cash settlement interface for account bridge-based cash settlement to the customer terminal 1570 when the customer terminal 1570 requests payment to settle the settlement request, and the customer terminal 1570 provides the settlement request information through the account- (Or selecting) and transmitting the payment request information to the account relay server 1520 provided in the financial company through the payment request information = The functional name of the account bridge system), the customer account (or the cache operation account) information and the bridged customer account information, withdraws the charge amount from the customer account, and deposits the money amount into the account of the affiliate company And provides the transaction request message to the accounting system 1565 so that the charge amount (Or transfer) to the account management server 1510 of the affiliate company and transfers the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 1510 ) (= The functional name of the account relay system), an account system 1565 for operating the account management account of the non-financial affiliate and one or more customer accounts.

However, the present invention is not limited thereto. The account relay server 1520 may include at least two or more accounts for each component, The present invention can be implemented in the form of a server group.

That is, the account relay server 1520 corresponds to the functional name of the account relay system shown in FIG. 1, and it is made clear that the account name is not limited to the physical name.

Referring to FIG. 6 or FIG. 10, the customer terminal 1570, the affiliate server 1500, the affiliate cache system 1505, and the account bridge server 1510 refer to FIG. 6 or FIG. The description will be omitted for convenience.

According to the embodiment of the present invention, the account relay server 1520 associates and stores the affiliate information, customer account (or cache operation account) information, and customer account information registered through the account registration system shown in FIG. 2 , An account relay D / B 1560 for storing one or more customer personal information and customer wireless terminal information in association with each other, or interworking through a network, and the account relay D / B 1560 (Or a cache operating account) and further stores the customer account balance information for the bridged customer account in association with the customer account (or the cash management account of the non-financial partner) It is preferable to further store the charge setting amount information and the withdrawal limit amount information corresponding to the remotely bridged customer account information in association with each other The.

It is preferable that the funds management account information is account information of a name of a non-financial affiliate operating the funds of the affiliate cache system 1505, and the fund management account is opened in the accounting system 1565.

According to another embodiment of the present invention, the fund management account can be opened in the external accounting system 1565, and thus the present invention is not limited thereto.

Preferably, the account balance information includes a balance amount of a customer account opened in the account system 1565, and the account relay server 1520 associates the account balance with the account system 1565 It is desirable to update the customer account balance periodically (or in response to a customer account balance change event via account system 1565).

If the account relay server 1520 queries the customer account balance information in real time in association with the account system 1565, the account balance information may be omitted in the account relay D / B 1560, The present invention is not limited thereto.

The charge setting amount information is used when the non-financial affiliate withdraws from the client account (or the cache operational account) and the bridge customer account at the payment processing of the payment amount using the affiliate cache system 1505, The account relay D / B 1560 may include an amount set to deposit (or transfer) the money to the account management account, and when the account bridge D / B is provided in the FIG. 6 or FIG. 10, The charge setting amount information may be omitted, and thus the present invention is not limited thereto.

The charging ceiling amount information is obtained by withdrawing the charging ceiling amount information from the customer account (or the cache operational account) and the bridge customer account at the time of payment processing of the payment amount using the affiliate cache system 1505 at the non-financial affiliate partner The amount of money to be deposited (or transferred) to the fund management account is preferably a sum of at least one of a ceiling amount, a daily ceiling amount, a weekly ceiling amount, and a monthly ceiling amount.

Referring to FIG. 15, the account relay server 1520 transmits a customer account (or cache operation account) information and charge amount information in the account bridge server 1510 shown in FIG. 6 or FIG. 10, An information receiving unit 1525 (or an information receiving means) for receiving the account (or the cache operating account) information and the charge amount information and the customer account (or the cache operating account) An account checking unit 1530 (or an account checking means) for confirming the information of the customer and the client account information of the partner, and confirming the information on the account management account of the affiliate associated with the customer account (or the cache operating account) (Or professional generation means) 1540 (or professional generation means) for generating a transaction request message for withdrawing the deposit amount from the account and depositing (or transferring) the deposit amount to the partner's financial account A transaction processing unit 1545 (or transaction processing means) for processing a financial transaction provided to the account system 1565 to withdraw the charged amount from the customer account and transfer (or transfer) the deposited money to the account of the affiliated company, A history generating unit 1550 (or history generating means) for generating transaction history information corresponding to the depositing (or transferring) transaction based on the transaction result information confirmed from the accounting system 1565, (Or history transferring means) for transferring the information to the account bridge server 1510, wherein the client account (or the cache operation account) information and the bridge account information And a transaction validity checking unit 1535 (or transaction validity checking means) for checking the validity of the transaction.

When the account bridge server 1510 shown in FIG. 6 or FIG. 10 transmits the client account (or the cache operation account) information and the charge amount information for the account bridge-based settlement processing, the information receiver 1525 receives the account (Or cache operation account) information and charge amount information from the bridge server 1510. The information receiving unit 1525 may be an external system provided in the financial company or may be connected to the external system To receive the customer account (or cache operation account) information and the charge amount information.

According to an embodiment of the present invention, the information receiving unit 1525 receives the customer account (or cache operation account) information and the charge amount information 1520 through a communication network connecting the account bridge server 1510 and the account relay server 1520 .

According to another embodiment of the present invention, the information receiver 1525 receives the client account (or the cache operation account) via the gateway 1515 that relays the account bridge server 1510 and the account relay server 1520, It is possible to receive information and charge amount information, and thus the present invention is not limited thereto.

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 1505 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 1505. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

Preferably, the charge amount information includes an amount to be withdrawn from the client account (or the cache operation account) bridged for the account bridge-based settlement processing and to be deposited (or transferred) to the account of the partner company Do.

According to an embodiment of the present invention, the account bridge server 1510 shown in FIG. 6 or FIG. 10 is confirmed through the non-face authentication system of the financial company for account bridge-based payment processing, It is preferable to further transmit the non-face authentication result information confirmed by the wireless authentication means. In this case, the information receiving unit 1525 preferably further receives the non-face authentication result information from the account bridge server 1510 .

According to the method of the present invention, the account bridge server 1510 shown in FIG. 6 or FIG. 10 can further transmit the non-face authentication information received from the customer terminal 1570 for account bridge-based payment processing Face authentication information, and in this case, the information receiving unit 1525 preferably receives the non-face-to-face authentication information, and the transaction validity checking unit 1535 associates the non-face- It is desirable to check the transaction validity of the account bridge-based payment processing.

According to an embodiment of the present invention, the account bridge server 1510 shown in FIG. 6 or FIG. 10 can transmit only the client account (or cache operation account) information for account bridge-based payment processing, The information receiving unit 1525 preferably receives the client account information from the account bridge server 1510 and the account checking unit 1530 identifies the client account And the account relay server 1520 checks at least one of the customer account balance information, the charge setting amount information, and the withdrawal limit amount information for the customer account information, And an information transmission unit 1510 for transmitting the information to the mobile station 1510.

When the customer account (or the cache operation account) information and the charge amount information are received through the information receiving unit 1525, the account checking unit 1530 checks the customer account (or the cash account information) in cooperation with the account relay D / Or cache operating account) information and bridged customer account information.

In addition, the account checking unit 1530 checks the affiliate information associated with the customer account (or cache operation account) information in association with the account relay D / B 1560, and checks the affiliate information associated with the affiliate information And the fund management account information is confirmed.

When the customer account information is confirmed through the account checking unit 1530, the transaction validity checking unit 1535 checks the account relay D / B 1560 (or the accounting system 1565 in which the customer account is established) Checks the balance of the customer account, compares the charge amount information with the customer account balance, and treats the transaction validity as confirmed if the customer account balance is greater than the charge amount.

Also, the transaction validity checking unit 1535 confirms the withdrawal limit amount information for the customer account in connection with the account relay D / B 1560, compares the withdrawal amount information with the withdrawal limit amount, If the limit amount is larger than the charge amount, the transaction validity is regarded as confirmed.

When the non-face authentication result information is received from the account bridge server 1510 through the information receiving unit 1525 according to the embodiment of the present invention, the transaction validity checking unit 1535 reads the non-face authentication result information It is preferable to confirm the transaction validity of the account bridge-based settlement processing.

Alternatively, when the non-face authentication information is received through the information receiving unit 1525, the transaction validity checking unit 1535 determines whether the account bridge based settlement processing is performed through the non-face authentication information in cooperation with the non- It is desirable to confirm the effectiveness of the transaction.

If the customer account information (or the cache operation account) and the bridged customer account information are confirmed through the account checking unit 1530 and the information on the operation account of the partner company is confirmed, (Or transfer) the deposit to the account of the affiliated company. The transaction request telegram may include a special structure recognizable by the accounting system 1565 .

Those skilled in the art will appreciate that the detailed structure defined in the accounting system for individual financial institutions 1565 is well known, and therefore a detailed description thereof will be omitted for the sake of convenience.

The transaction processing unit 1545 provides the transaction request telegram to the accounting system 1565 to withdraw the charge amount from the customer account and transmit the payment request to the account system 1565. [ (Or transfer) a financial transaction to an affiliate financial transaction account, and receives transaction result information corresponding to the transaction request telegram from the accounting system (1565).

The history generating unit 1550 generates transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information confirmed from the accounting system 1565.

Here, the transaction history information may include an information structure that can be easily changed (or replaced) to charge detail information provided in the affiliate cache system 1505 bridged with the accounting system 1565 remotely.

For example, when the account relay server 1520 cooperates with the account bridge server 1510 associated with two or more affiliate cache systems 1505, the history generating unit 1550 generates a history It is possible to check the account bridge server 1510 and the affiliate cache system 1505 that have transmitted the account (or the cache operation account) information and easily change (or replace) the charge history information for each of the identified affiliate cache systems 1505 It is preferable to generate transaction history information including the information configuration.

When the transaction history information is generated, the history transfer unit 1555 transfers the generated transaction history information to the account bridge server 1510. In response, the account bridge server 1510 transmits the transaction history information to the account bridge server 1510, It is preferable to receive the transaction history information and process the received transaction history information as the charge details of the affiliate cache system 1505 and apply the processing to the affiliate cache system 1505. [

FIG. 16 is a diagram illustrating a remote account bridge-based cache settlement process between the accounting system 1565 and the affiliate cache system 1505 according to the first embodiment of the present invention.

In more detail, FIG. 16 is a flowchart illustrating an example of an operation of accessing an affiliate server 1500 having an affiliate cache system 1505 in the customer terminal 1570, purchasing one or more types or intangible products, (Or cache operation account) information and charge amount information from the account bridge server 1510 shown in FIG. 6 or FIG. 10 by requesting payment through the affiliate cache system 1505, The account relay server 1520 shown in FIG. 15 confirms the customer account (or the cache operation account) information and the bridged customer account information, withdraws the charge amount from the customer account, and deposits the money into the account of the affiliate company (Or transfer) a transaction request message to the account system 1565 so as to withdraw the charge amount from the customer account, (Or transferring) the transaction information to the account bridge server 1510 shown in FIG. 6 or FIG. 10 after processing the financial transaction for depositing (or transferring) A person skilled in the art will be able to refer and / or modify FIG. 16 to illustrate the remote account bridge-based cache settlement process between the accounting system 1565 and the affiliate cache system 1505 However, the present invention encompasses all of the above-described embodiments, and is not limited to the method shown in FIG. 16.

Hereinafter, in FIG. 16, the account relay server 1520 shown in FIG. 15 is referred to as a "server" for the sake of convenience.

The customer terminal 1570 accesses the affiliate server 1500 having the affiliate cache system 1505 to purchase at least one type or intangible commodity and transmits a purchase price for the purchased commodity to the affiliate cache system 1505 (Or the cache operation account) information and the charge amount information from the account bridge server 1510 shown in FIG. 6 or FIG. 10 by requesting payment through the account bridge server 1510 of the affiliate company, The server 1510 receives the customer account (or cache operation account) information and the charge amount information from the server (1600).

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 1505 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 1505. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

Preferably, the charge amount information includes an amount to be withdrawn from the client account (or the cache operation account) bridged for the account bridge-based settlement processing and to be deposited (or transferred) to the account of the partner company Do.

According to an embodiment of the present invention, the account bridge server 1510 shown in FIG. 6 or FIG. 10 is confirmed through the non-face authentication system of the financial company for account bridge-based payment processing, It is preferable that the non-face authentication result information confirmed by the wireless authentication means is further transmitted. In this case, the account relay server 1520 preferably further receives the non-face authentication result information from the account bridge server 1510 Do.

According to the method of the present invention, the account bridge server 1510 shown in FIG. 6 or FIG. 10 can further transmit the non-face authentication information received from the customer terminal 1570 for account bridge-based payment processing In this case, the account relay server 1520 receives the non-face authentication information and confirms the transaction validity of the account bridge-based payment processing through the non-face authentication information in cooperation with the non-face authentication system of the financial company .

According to an embodiment of the present invention, the account bridge server 1510 shown in FIG. 6 or FIG. 10 can transmit only the client account (or cache operation account) information for account bridge-based payment processing, The account relay server 1520 receives the client account (or cache operation account) information from the account bridge server 1510 and verifies the client account (or cache operation account) information and the bridged customer account information, It is preferable that at least one of the customer account balance information, the charge setting amount information, and the withdrawal limit amount information for the customer account information is transmitted to the account bridge server 1510.

When the client account (or the cache operation account) information and the charge amount information are received, the server confirms the client account (or the cache operation account) information and the bridged customer account information, (1605) of the affiliated company's financial account information associated with the information.

According to an embodiment of the present invention, the server preferably confirms the client account (or cache operation account) information and the bridged client account information in association with the account relay D / B 1560.

Also, the server confirms affiliate information associated with the client account (or cache operation account) information in association with the account relay D / B 1560, and stores the affiliate company's financial account information of the affiliate linked to the affiliate information It is desirable to confirm.

If the customer account information and the account information of the affiliate company are confirmed 1610, the server confirms the transaction validity of the client account (or the cache account information) and the bridged customer account 1615, Face transaction validation for the account bridge-based cache settlement is authenticated by the account bridge server 1510 of FIG.

According to an embodiment of the present invention, the server checks the customer account balance in connection with the account relay D / B 1560 (or the accounting system 1565 in which the customer account is established) It is preferable that the customer account balance is compared and if the customer account balance is larger than the charge amount, it is determined that the transaction validity is confirmed.

Also, the server confirms the withdrawal limit amount information for the customer account in connection with the account relay D / B 1560, compares the withdrawal amount information with the withdrawal limit amount, It is preferable that the transaction validity is confirmed as being confirmed.

When the non-face authentication result information is received from the account bridge server 1510 according to the embodiment of the present invention, the server reads the non-face authentication result information and verifies the transaction validity of the account bridge-based payment processing .

Alternatively, when the non-face authentication information is received from the account bridge server 1510, the server checks the transaction validity of the account bridge-based payment processing through the non-face authentication information in cooperation with the non-face authentication system of the financial company .

If the transaction validity is not confirmed 1620, the server generates transaction history information including the account validity error information corresponding to the transaction validity result 1625, and transmits the transaction history information to the account bridge of the affiliate To the server 1510 (1660).

On the other hand, if the validity of the transaction is not confirmed 1620, the server generates (or configures) a transaction request message for withdrawing the charged amount from the customer account and depositing (or transferring) the deposited amount to the partner's financial account ).

Here, the transaction request telegram may include a professional structure recognizable by the accounting system 1565.

Those skilled in the art will appreciate that the detailed structure defined in the accounting system for individual financial institutions 1565 is well known, and therefore a detailed description thereof will be omitted for the sake of convenience.

If a transaction request message for withdrawing the deposit amount from the customer account and depositing (or transferring) the deposit amount to the account of the partner company is generated 1635, the server transmits the transaction request message to the accounting system 1565 (1640), the financial transaction for withdrawing the charge amount from the customer account and depositing (or transferring) the money to the account of the affiliate company is processed.

If the financial transaction for withdrawing the deposit amount from the customer account in the account system 1565 and depositing (or transferring) the deposit money to the account of the affiliate is processed 1645, the server receives the account information from the account system 1565 The transaction result information corresponding to the transaction request telegram is received (1650), and transaction history information corresponding to the deposit (or transfer) transaction is generated based on the received transaction result information (1655).

Here, the transaction history information may include an information structure that can be easily changed (or replaced) to charge detail information provided in the affiliate cache system 1505 bridged with the accounting system 1565 remotely.

For example, when the account relay server 1520 cooperates with the account bridge server 1510 associated with two or more affiliate cache systems 1505, the history generating unit 1550 generates a history It is possible to check the account bridge server 1510 and the affiliate cache system 1505 that have transmitted the account (or the cache operation account) information and easily change (or replace) the charge history information for each of the identified affiliate cache systems 1505 It is preferable to generate transaction history information including the information configuration.

Thereafter, the server transmits the generated transaction history information to the account bridge server 1510 of the partner company (1660).

FIG. 17 is a diagram illustrating a remote account bridge-based cash settlement system between an affiliate cache system 1705 and an account system 1785 according to a second embodiment of the present invention.

In more detail, FIG. 17 illustrates an example of a system in which a client terminal 1790 accesses an affiliate server 1700 having an affiliate cache system 1705 to purchase one or more types or intangible products, Based cash payment interface for payment of an account bridge based cash to the customer terminal 1790 when the customer terminal 1790 requests payment through the affiliate cache system 1705. The customer terminal 1790 provides the account bridge- When the payment request information is inputted (or selected) through the payment interface, the affiliate cache system 1705 provided in the non-financial affiliate through the payment request information and the accounting system 1785 provided in the financial company are remotely connected to the bridge The settlement amount corresponding to the purchase amount is paid out, and specifically, It is possible to check the cash balance information corresponding to the customer account (or the cache operation account) of the cache system 1705 and the charge setting amount for the customer account (or the cache operation account) and the bridged customer account, (Or the amount of the settlement amount minus the amount corresponding to the cash balance) and the charge setting amount from the customer account and automatically charges the customer account (or the cache operation account) And the requested payment settlement is processed within the automatically charged cash balance limit.

Those skilled in the art will be able to refer to and / or modify this FIG. 17 to provide a variety of remote account bridge-based cash payment system configurations between the affiliate cache system 1705 and the account system 1785 It should be understood that the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG.

17, a remote account bridge-based cash settlement system between the affiliate cache system 1705 and the account system 1785 includes one or more browser programs, A customer terminal 1790 connected to a communication network and connected to the customer terminal 1790 through the communication network and connected to the customer terminal 1790 via the communication network at the customer terminal 1790, Based on the funds deposited in the money management account of the non-financial partners established in the financial corporation, the affiliate server 1700 for selling the products of the affiliate server 1700, An affiliate cache system 1705 for processing a purchase price of a purchased product at the customer terminal 1790, The customer terminal 1790 provides an account bridge based cash settlement interface for account bridge based cash settlement and requests settlement request information from the customer terminal 1790 through the account bridge based cash settlement interface (Or selects) and transmits the payment request information to the affiliate cache system 1705 provided in the non-financial affiliate through the payment request information and the accounting system 1785 provided in the financial company remotely to bridge the payment amount corresponding to the purchase amount And an account bridge server 1710 for accounting for the remote account bridge based cache between the affiliate cache system 1705 and the account system 1785. The account bridge server 1710 is a function name of the account bridge system 1710, An account relay server 1780 (= functional name of the account relay system) provided in the financial institution for interlocking with the non- And an account system (1785) for operating an affiliate's fund management account and one or more customer accounts.

However, the present invention is not limited thereto. The account bridge server 1710 may include two or more servers for each component, The present invention can be implemented in the form of a server group.

That is, the account bridge server 1710 corresponds to the functional name of the account bridge system shown in FIG. 1, and it is made clear that the account bridge server 1710 is not limited to a physical name.

The customer terminal 1790 is connected to a wired communication network based on TCP / IP (Transmission Control Protocol / Internet Protocol) via an asymmetric digital subscriber line (ADSL) / very high data rate digital subscriber line (VDSL) A mobile communication terminal connected to a CDMA (Code Division Multiple Access) -based mobile communication network, or a wired terminal including a desktop computer or a notebook communicating with the account bridge server 1710, A wireless terminal including at least one portable Internet terminal connected to an 802.16x-based high-speed wireless Internet, or an IP-TV capable of bidirectional communication through any one of the wired communication network or the wireless communication network, Or at least one TV apparatus (not shown) including at least one digital TV or DMB And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Those skilled in the art will appreciate the technical features of the client terminal 1790 including at least one of the wired terminal, wireless terminal or TV device (not shown) The detailed description will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 1710 includes at least one web page source for generating (or extracting) a web page to be provided to the customer terminal 1790, and web page operation data The database is provided in a database management system (DBMS) associated with the account bridge server (1710).

According to an embodiment of the present invention, the web page source included in the web page operation data includes one or more tag strings (for example, 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 contents of the web page. In this case, the web page provided to the customer terminal 1790 And a combination of a tag string (or a combination of tag strings).

According to another embodiment of the present invention, the web page source included in the web page operation data includes a web document source file corresponding to the web page to be provided to the customer terminal 1790 from the account bridge server 1710 For example, the web page provided to the customer terminal 1790 may include one or more tag strings, a script, and a web document source file including information content corresponding to the web page contents. In this case, In the case of a web document source file (e.g., a web page source file in the case of a web page without a frame, or a web page composed of two or more frames, one web document source file and two or more web documents Source file) is extracted.

The web content included in the web page management data includes a tag string that links one or more contents (e.g., text content, image content, sound content, multimedia content) among the tag strings included in the web page , One or more text content corresponding to a tag string linking the content, image content, sound content, and multimedia content.

According to another embodiment of the present invention, the web page operation data may be transmitted to the customer terminal 1790 in addition to the account bridge server 1710 according to a location of providing an account bridge-based cache payment interface for settlement of the account bridge- The affiliate server 1700, the affiliate cache system 1705 and the gateway 1777. The present invention can be applied to the affiliate server 1700, the affiliate cache system 1705 ) And the gateway 1777 are all included in the present invention.

According to the embodiment of the present invention, the account bridge server 1710 stores the customer account information (or the cache operation account information) registered through the account registration system shown in FIG. 2 in association with the customer account information, The account bridge D / B 1775 preferably includes an account bridge D / B 1775 for storing one or more pieces of information related to the customer's wireless terminal information, Or the cash balance information corresponding to the customer account information (or the cache operation account) bridged remotely with the customer account (or the cache operation account), or further stores the charge setting amount information and the withdrawal limit amount information corresponding to the customer account information bridged remotely It is preferable to store them in association with each other.

Here, the cache balance information is the balance information of a cache for storing, recording, and managing, through the client account (or the cache operation account), among the amounts deposited in the funds management account in the affiliate cache system 1705, It is preferable to include a balance obtained by subtracting the cache corresponding to the settlement history from the cache corresponding to the charge history corresponding to the customer account (or the cache operation account) of the system 1705. [

According to another embodiment of the present invention, when the account balance server 1710 checks the cash balance through the affiliate cache system 1705, the cash balance information may be omitted in the account bridge D / B 1775 The present invention is not limited thereto.

The charge setting amount information is used when the non-financial affiliate withdraws from the customer account (or the cache operation account) and the bridge customer account at the time of payment processing of the payment amount using the affiliate cache system 1705, The amount of charge setting is set by the customer or is set according to the policy of the account bridge server 1710. [

The charging ceiling amount information is used when the non-financial affiliate withdraws from the customer account (or the cache operational account) and the bridge customer account at the payment processing of the payment amount using the affiliate cache system 1705, The amount of money to be deposited (or transferred) to the fund management account is preferably a sum of at least one of a ceiling amount, a daily ceiling amount, a weekly ceiling amount, and a monthly ceiling amount.

If the charge setting amount information and the charging ceiling amount information are stored in the account relay D / B provided in the financial institution, the charge setting amount information and the charging ceiling amount information are stored in the account bridge D / B 1775 The present invention is not limited thereto.

Referring to FIG. 17, the account bridge server 1710 provides a web page to a customer terminal 1790 using an HTTP compatible protocol corresponding to the communication network, or a web page provided to the customer terminal 1790 And a web interface 1715 for connecting and managing a web interface for receiving various information input (or selected) by the customer terminal 1790 in a GET / POST manner.

According to an embodiment of the present invention, when the customer terminal 1790 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the web interface unit 1715 connects the customer terminal 1790 with the TCP / (* .Htm, * .asp, *. Xml) to the customer terminal (1790) through the communication channel by connecting and managing the communication channel through the IP-based HTTP protocol ) Type web page is provided or the information input from the customer terminal 1790 is interfaced to be received by the GET / POST method.

According to another embodiment of the present invention, when the customer terminal 1790 is a wireless terminal connected with a communication channel through a CDMA / WCDMA based wireless communication network, the web interface unit 1715 transmits the CDMA / (E.g., WAP (Wireless Application Protocol) or ME (Mobile Explorer)) corresponding to the WCDMA / WCDMA based wireless internet protocol and connects the communication channel through the communication channel to the customer terminal 1790 (For example, * .wml, * .htm) to provide a web page in the form of an HTML compatible document, or to interface the information input from the customer terminal 1790 to be received in a GET / POST manner .

According to another embodiment of the present invention, when the customer terminal 1790 is a wireless terminal connected with a communication channel through an IEEE 802.16 based wireless communication network, the web interface unit 1715 connects the customer terminal 1790 with the IEEE (E.g., * .htm, *. Asp, *. Asm) to the customer terminal 1790 through the communication channel through the HTTP compatible protocol corresponding to the 802.16x based wireless internet protocol. xml) is provided or the information input from the customer terminal 1790 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, the web interface unit 1715 transmits the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 1790 according to the location of the account bridge server 1710 The web interface unit 1715 may be installed in any one of the affiliate server 1700, the affiliate cache system 1705 and the gateway 1777. The web interface unit 1715 may be connected to the affiliate server 1700, Cache system 1705, and gateway 1777. It should be noted that the present invention is not limited to these embodiments.

Referring to FIG. 17, the client terminal 1790 accesses an affiliate server 1700 having an affiliate cache system 1705 to purchase one or more types or intangible goods, and makes a purchase price for the purchased goods Upon requesting payment through the affiliate cache system 1705, the account bridge server 1710 generates (or extracts) a web page to be provided to the customer terminal 1790 based on the web page operation data A web page operation unit 1720 (or a web page operation unit), and an account bridge-based cache settlement unit 1720 for making the account bridge-based cache payment to the web page generated (or extracted) in association with the web page operation unit 1720 And an interface providing unit 1725 (or an interface providing unit) including an interface, and the web page operating unit 1720 is provided with the web- In conjunction with the interface unit 1715 to the Web page the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (1790).

According to another embodiment of the present invention, the web page operating unit 1720 and the interface providing unit 1725 may provide the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 1790 The affiliate cache system 1705 and the gateway 1777 in addition to the account bridge server 1710 according to the present invention. The present invention can be applied to the web page operation unit 1720, And the interface providing unit 1725 are all included in the affiliate server 1700, the affiliate cache system 1705, and the gateway 1777.

The customer terminal 1790 accesses the affiliate server 1700 having the affiliate cache system 1705 to purchase at least one type or intangible product and a payment means for paying the purchase price for the purchased product The web page operating unit 1720 requests the settlement amount corresponding to the purchase price to be paid through the affiliate cache system 1705. The web page operating unit 1720 transmits the settlement amount corresponding to the purchase price to the affiliate cache system 1705, Based payment processing between the customer terminal 1790 and the accounting system 1785, and generates a web page corresponding to the confirmed web page link from the web page operation data (Or extracting) the web page content and the web content, and using the confirmed web page source and the web content, A web page to be provided in the customer terminal (1790) is characterized in that to generate (or extract).

When the web page operating unit 1720 generates (or extracts) a web page to be provided to the customer terminal 1790 for remote account bridge-based payment processing between the affiliate cache system 1705 and the accounting system 1785, The interface providing unit 1725 processes the web page to be provided to the customer terminal 1790 by including the account bridge-based cash settlement interface in the web page in association with the web page operating unit 1720.

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, If the user has a general knowledge in the technical field, he / she knows the technical characteristics of the form form for inputting (or selecting) the payment request information in the customer terminal 1790 based on the information attribute of the payment request information In FIG. 17, a detailed form description corresponding to the account bridge-based cash settlement interface will be omitted for the sake of convenience.

The account bridge-based cash settlement interface may be configured such that cash balance information corresponding to a customer account (or a cache operational account) of the affiliate cache system 1705 and cash balance information corresponding to the customer account are automatically withdrawn from the customer account It is preferable to display the payment amount corresponding to the purchase price and further display the customer account (or the cache operational account) information on the cash balance. And further includes shopping cart information for the purchased product according to the intention.

In addition, the account bridge-based cash settlement interface may be configured to settle the payment amount through a remote account bridge between the affiliate cache system 1705 and the account system 1785, or to change the cache of the affiliate cache system 1705 to the customer Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication means for authenticating the non-face-to-face transaction in association with a non-face-to-face authentication system 1783 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 1783 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

Referring to FIG. 17, when the account bridge server 1710 generates (or extracts) the account bridge-based cache payment interface in the interface provider 1725, the account bridge server 1710 generates a client account (For example, a cash balance is insufficient) for comparing the amount of money corresponding to the cash balance information with the settlement amount so as to settle the settlement amount through the cash balance, (Or a cache settlement validity checking unit) 1730 (or a cache settlement validity checking unit) for checking the validity of the cache settlement And a payment processing unit 1773 (or a payment processing means) for processing the payment amount.

The cache settlement validity checking unit 1730 checks the account bridge D / B 1775 (or the affiliate cache system 1705) when the account provider-based cache settlement interface is generated (or extracted) (Or a cache operational account) of the affiliate cache system 1705 in association with the customer account (or the cache operational account), and the cash balance information corresponding to the customer account And comparing the amount of money corresponding to the cash balance information with the payment amount to check the validity (e.g., insufficient cash balance) for processing the payment amount through the cash balance.

When the validity of the cache settlement is confirmed by the cache settlement validity checking unit 1730, the settlement processing unit 1773 may settle the settlement amount through the cash balance in cooperation with the affiliate cache system 1705 The affiliate cache system 1705 (or the settlement processor 1773) provides a cash settlement interface for settlement of the settlement amount through the cash balance to the customer terminal 1790 .

Those skilled in the art will appreciate the technical features of the cache settlement interface and the cache settlement process through the cache balance, and therefore, a detailed description thereof will be omitted for the sake of convenience.

Referring to FIG. 17, the account bridge server 1710 determines whether the cache settlement validity is valid (or the cache balance is insufficient) by the cache settlement validity checking unit 1730, (Or an amount obtained by subtracting the amount corresponding to the cash balance from the settlement amount) and a charge setting amount, whichever is greater, of the customer account (Or a charge amount confirmation means) for confirming the automatic charge amount information to be automatically charged to the customer account (or the cache operation account) by withdrawing from the customer account (Or information display means) for displaying the cash balance information corresponding to the cash balance account (or the cash operating account) on the account bridge-based cash settlement interface, Characterized in that formed by having.

If the cache settlement validity is not confirmed by the cache settlement validity checking unit 1730 (for example, if the cache balance is insufficient), the charge amount check unit 1735 checks whether the account bridge D / B 1775 (Or an account relay server 1780 provided in a financial institution) to confirm the charge setting amount for the customer account (or the cache operation account) and the bridged customer account.

When the cash balance information corresponding to the customer account (or the cache operation account) of the affiliate cache system 1705 and the charge setting amount for the customer account (or the cache operation account) and the bridged customer account are confirmed, (1735) withdraws a larger amount of the settlement amount corresponding to the purchase amount (or the amount obtained by subtracting the amount corresponding to the cash balance from the settlement amount) and the charge setting amount from the customer account, Or the cache operating account) of the user.

According to another embodiment of the present invention, the charge amount confirmation unit 1735 can automatically check the charge setting amount for the customer account (or the cache operation account) and the bridged customer account with the automatic charge amount information , Whereby the present invention is not limited thereto.

According to another embodiment of the present invention, the charging amount confirmation unit 1735 can automatically check the amount of money, which is subtracted from the amount corresponding to the cash balance, to the payment amount or the payment amount, as the automatic charging amount information The present invention is not limited thereto.

If the cash balance information and the automatic charging amount information corresponding to the customer account (or the cache operating account) are confirmed by the charging amount confirmation unit 1735, the information display unit 1740 displays the customer account (or the cache operating account) (Or extracts) the cash balance information and the automatic charging amount information corresponding to the account bridge-based cash settlement interface generated by the interface providing unit 1725 and outputs the same through the customer terminal 1790 do.

According to an embodiment of the present invention, the information display unit 1740 displays the cash balance information and the automatic charging amount information in a separate display area.

According to another embodiment of the present invention, the information display unit 1740 may add the automatic charging 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 cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

Referring to FIG. 17, the account bridge server 1710 transmits the payment request information through the payment request interface included in the account bridge-based cash settlement interface at the customer terminal 1790, And an information receiving unit 1745 (or information receiving means).

The customer terminal 1790 provided with the web page including the account bridge-based cache settlement interface transmits the settlement request information for the account bridge-based cache settlement through the settlement request interface included in the account bridge-based cache settlement interface And the information receiving unit 1745 receives the payment request information.

According to the embodiment of the present invention, the payment request information includes at least one of the customer account (or cache operation account) information, the payment amount information, the automatic charge amount information, and the affiliate information operating the affiliate cache system 1705 .

Here, the customer account information includes a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 1705 As the number, the member ID information of the customer.

Alternatively, the cache operational account information preferably includes an account number for storing, recording, and managing the cash balance of the affiliate cache system 1705, and the account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The settlement amount information may include purchase amount information corresponding to a product purchased by the customer terminal 1790 by connecting to the affiliate server 1700. In order to perform the cache-based settlement processing, And cache information corresponding to a currency unit of the affiliate cache system 1705. [

Preferably, the automatic charging amount information includes a larger amount of a settlement amount corresponding to the purchase amount (or an amount obtained by subtracting an amount corresponding to the cash balance from the settlement amount) and a charge setting amount, The automatic charging amount information preferably does not exceed the customer account balance (or the charging limit amount).

The affiliate company information may include affiliate identification information corresponding to the affiliate server 1700 operating the affiliate cache system 1705. [

Referring to FIG. 17, the account bridge server 1710 inputs non-face authentication information through the non-face authentication interface included in the account bridge-based cache payment interface at the customer terminal 1790, (Or information receiving means) for receiving the face-to-face authentication information, and an information receiver 1745 (or information receiving means) for receiving the face-to-face authentication information through the remote account bridge between the affiliate cache system 1705 and the accounting system 1785 (Or relaying) the cache of the affiliate cache system 1705 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the non-face-to-face transaction validity And a transaction authentication processing unit 1750 (or transaction authentication processing means) for authenticating the transaction.

The customer terminal 1790 provided with the web page including the account bridge-based cache settlement interface transmits non-face authentication information for the account bridge-based cache settlement through the non-face authentication interface included in the account bridge- (Or selected) and transmits the information to the information receiving unit 1745. The information receiving unit 1745 receives the non-face authentication information.

Here, the non-face authentication information may include encryption / decryption-based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information for authenticating the non-face-to-face transaction in cooperation with the non-face authentication system 1783 provided in the financial company in which the customer account is established, A one-time password (OTP), a transaction password, and an account password.

Alternatively, if the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 1783 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 1705 (or the account bridge system).

When the non-face authentication information for the account bridge-based cache settlement is received through the information receiving unit 1745, the transaction authentication processing unit 1750 transmits the non-face authentication information to the affiliate cache system 1705, System (1785), or to replace the cache of the affiliate cache system (1705) with the balance of the client account (or the cache operational account) and the bridged customer account ), And authenticates the non-face-to-face transaction validity for payment of the settlement amount.

When non-face authentication information associated with the non-face-to-face authentication system 1783 included in the financial company is received through the information receiving unit 1745 according to an embodiment of the present invention, Facsimile authentication information to be transmitted to the non-face-to-face authentication system 1783 provided in the financial institution to settle the settlement amount through the remote account bridge between the affiliate cash system 1705 and the accounting system 1785, It is desirable to authenticate the non-face-to-face transaction validity for replacing (or relaying) the cache of the affiliate cache system 1705 with the balance of the client account (or the cache operation account) and the bridge account of the client .

According to another embodiment of the present invention, when the non-face transaction validity is authenticated using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 1750 generates an arbitrary authentication number, Based authentication interface included in the account bridge-based cash settlement interface, receives the authentication number input through the non-facing authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, The settlement amount is paid through the remote account bridge between the system 1705 and the account system 1785 or the cache of the affiliate cache system 1705 is transmitted to the client account (or the cache operation account) (Or relaying) the balance to settle the settlement amount to authenticate the non-face-to-face transaction validity desirable.

When non-face authentication information including ID / PW information registered in the affiliate cache system 1705 (or the account bridge system) is received through the information receiving unit 1745 according to another embodiment of the present invention, The transaction authentication processing unit 1750 compares the non-confidential authentication information with the ID / PW information stored in the member information D / B (not shown) and transmits the remote account bridge between the affiliate cache system 1705 and the accounting system 1785 (Or relaying) the cash of the affiliate cache system 1705 to the customer account (or the cache operation account) and the balance of the bridged customer account to settle the payment amount It is desirable to verify the effectiveness of non-face-to-face transactions.

17, when the settlement request information is received from the customer terminal 1790 and the non-face-to-face transaction validity for payment settlement between the affiliate cache system 1705 and the account system 1785 through the remote account bridge is authenticated The account bridge server 1710 transmits an information transfer unit 1755 for transferring the customer account (or cache operation account) information and the automatic charge amount information to the account relay server 1780 provided in the financial institution (Or a cash operating account) and the client account that is bridged through the account system 1785 provided in the financial institution in the account relay server 1780, (Or transfer) to the affiliated company's fund management account, the transaction history information corresponding to the deposit (or transfer) transaction is received from the account system 1785 A transaction approval confirmation unit 1765 (or a transaction approval confirmation unit) for reading the transaction details information and confirming whether the deposit (or transfer) transaction has been normally processed, (Or a cash management account) bridged with the customer account in connection with the account bridge D / B 1775 when the transaction approval for the transaction is confirmed, A history processing unit 1770 (or a history processing unit) for processing the received transaction history information as the charge details of the customer account (or the cache operation account), and an automatic The settlement amount is included in the cash balance corresponding to the client account (or the cache operation account), the settlement amount is paid through the cash balance, and the affiliate cache system 1705 And a settlement processing unit 1773 (or a settlement processing means) for transferring settlement detail information corresponding to the cache-based settlement processing through the settlement processing unit 1760 to the customer terminal 1790. The transaction approval confirmation unit 1765 The transaction processing unit 1773 processes the transaction history information including the unauthorized transaction information on the deposit (or transfer) transaction as the account bridge-based payment history information To the customer terminal (1790).

The settlement request information is received from the customer terminal 1790 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 1705 and the account system 1785 is authenticated, If the automatic charging amount information for the account bridge based cash settlement is confirmed by the payment unit 1735, the information transmission unit 1755 confirms the customer account (or cache operation account) information included in the payment request information, (Or the cache operational account) information in cooperation with the account bridge D / B 1775 and confirms the customer account (or cache operating account) information through the remote account bridge between the affiliate cache system 1705 and the accounting system 1785 Or cash operating account information) and the automatic charging amount information to the account relay server 1780 provided in the financial institution.

Thereafter, the account relay server 1780 withdraws the automatic charging amount from the customer account (or the cache operational account) and the bridged customer account through the accounting system 1785 provided in the financial institution, (Or transfers) the transaction information to the account management server, and transmits transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 1710. Correspondingly, the history receiver 1760 receives the transaction history information corresponding to the account system (Or transfer) transaction information corresponding to the deposit (or transfer) transaction.

If the transaction history information including the transaction approval information is received through the history receiver 1760, the transaction approval confirmation unit 1765 reads the transaction history information and determines whether the deposit (or transfer) transaction is normally processed .

If it is confirmed that the deposit (or transfer) transaction has been normally processed, the history processor 1770 checks the client account (or the cache operational account) bridged with the customer account in connection with the account bridge D / B 1775 The affiliate cache system 1705 processes the received transaction history information as the charge details of the customer account (or the cache operational account) and stores the processed transaction history information. It is desirable that the actual settlement procedure for the remote account bridge-based cache settlement process between the accounting system 1785 and the accounting system 1785 is completed.

The settlement processor 1773 includes an automatic charge amount corresponding to the charge details through the affiliate cache system 1705 in a cache balance corresponding to the customer account (or the cache operation account) (for example, balances the cash balance) The settlement amount information corresponding to the cash-based settlement processing is stored in the affiliate cache system 1705, and the settlement amount information corresponding to the cash- And transmits the payment history information corresponding to the processing to the customer terminal 1790.

On the other hand, if it is confirmed that the deposit (or transfer) transaction is normally processed, the payment processing unit 1773 transfers the transaction history information including the unauthorized transaction information for the deposit (or transfer) transaction to the account bridge- And transmits the processed data to the customer terminal 1790.

FIG. 18 is a diagram illustrating a remote account bridge-based cash settlement request process between the affiliate cache system 1705 and the accounting system 1785 according to the second embodiment of the present invention.

In more detail, FIG. 18 illustrates an example in which a customer terminal 1790 accesses an affiliate server 1700 having an affiliate cache system 1705 to purchase one or more types or intangible goods, Upon requesting payment through the affiliate cache system 1705, the account bridge server 1710 shown in FIG. 17 provides an account bridge-based cache payment interface for the account bridge-based cache payment to the customer terminal 1790 (Or selecting) the settlement request information through the account bridge-based cash settlement interface at the customer terminal 1790 and is a person skilled in the art. Referring to and / or modifying FIG. 18, remote account bridge-based cash settlement between the affiliate cache system 1705 and the account system 1785 Would be able to infer a variety of exemplary methods for the blue course, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 18.

Hereinafter, in Fig. 18, the customer terminal 1790 shown in Fig. 17 is referred to as a " terminal "for convenience, and the account bridge server 1710 is referred to as a" server "

Referring to FIG. 18, the terminal accesses an affiliate server 1700 having an affiliate cache system 1705 to purchase one or more types of goods or intangible goods, and transmits a purchase price for the purchased goods to the affiliate cache system (1800), the server connects to the terminal with a communication channel and creates an account bridge-based cache payment interface to be provided to the terminal for payment of the account bridge-based cache (1805).

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, If the user has a general knowledge in the technical field, he / she knows the technical characteristics of the form form for inputting (or selecting) the payment request information in the customer terminal 1790 based on the information attribute of the payment request information In FIG. 18, a detailed form description corresponding to the account bridge-based cash settlement interface will be omitted for the sake of convenience.

The account bridge-based cash settlement interface may be configured such that cash balance information corresponding to a customer account (or a cache operational account) of the affiliate cache system 1705 and cash balance information corresponding to the customer account are automatically withdrawn from the customer account It is preferable to display the payment amount corresponding to the purchase price and further display the customer account (or the cache operational account) information on the cash balance. And further includes shopping cart information for the purchased product according to the intention.

In addition, the account bridge-based cash settlement interface may be configured to settle the payment amount through a remote account bridge between the affiliate cache system 1705 and the account system 1785, or to change the cache of the affiliate cache system 1705 to the customer Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication means for authenticating the non-face-to-face transaction in association with a non-face-to-face authentication system 1783 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 1783 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

When the account bridge-based cache payment interface is created (or extracted), the server checks the cache balance information corresponding to the client account (or the cache operation account) of the affiliate cache system 1705, (For example, a shortage of the cash balance) in order to settle the settlement amount through the cash balance (1810).

If the validity of the cache settlement is confirmed 1815, the server causes the settlement amount to be paid through the cash balance in connection with the affiliate cache system 1705 (1820) 1705 may provide a cash settlement interface for paying the settlement amount to the customer terminal 1790 through the cash balance.

Those skilled in the art will appreciate the technical features of the cache settlement interface and the cache settlement process through the cache balance, and therefore, a detailed description thereof will be omitted for the sake of convenience.

On the other hand, if the cache settlement validity is not confirmed 1815, the server confirms the charge setting amount for the client account (or the cache operation account) bridged with the client account, A larger amount of the charge setting amount (the amount obtained by subtracting the amount corresponding to the cash balance from the settlement amount) from the customer account and confirms it as the automatic charge amount information to be automatically charged to the customer account (or the cache operation account) (1825).

According to another embodiment of the present invention, the charge amount confirmation unit 1735 can automatically check the charge setting amount for the customer account (or the cache operation account) and the bridged customer account with the automatic charge amount information , Whereby the present invention is not limited thereto.

According to another embodiment of the present invention, the charging amount confirmation unit 1735 can automatically check the amount of money, which is subtracted from the amount corresponding to the cash balance, to the payment amount or the payment amount, as the automatic charging amount information The present invention is not limited thereto.

If the cash balance information and the automatic charging amount information corresponding to the existing customer account (or the cache operating account) are confirmed 1830, the server responds to the confirmed automatic charging amount information and the customer account (or the cache operating account) (1835) the cash balance information on the account bridge-based cache payment interface (1835), and transmits the account bridge-based cache payment interface to the terminal (1840).

According to an embodiment of the present invention, the server preferably displays the cash balance information and the automatic charging amount information in a separate display area.

According to another embodiment of the present invention, it is preferable that the server adds the automatic charge amount information to the cache balance information and displays the information in the area for displaying the cache balance information.

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

The terminal receiving the account bridge-based cache settlement interface checks whether the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface (1845). If the account bridge-based cache settlement is requested (1850) And transmits the settlement request information to the server through the account bridge-based cache settlement interface (1855).

According to the embodiment of the present invention, the payment request information includes at least one of the customer account (or cache operation account) information, the payment amount information, the automatic charge amount information, and the affiliate information operating the affiliate cache system 1705 .

Here, the customer account information includes a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 1705 As the number, the member ID information of the customer.

Alternatively, the cache operational account information preferably includes an account number for storing, recording, and managing the cash balance of the affiliate cache system 1705, and the account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The settlement amount information may include purchase amount information corresponding to a product purchased by the customer terminal 1790 by connecting to the affiliate server 1700. In order to perform the cache-based settlement processing, And cache information corresponding to a currency unit of the affiliate cache system 1705. [

Preferably, the automatic charging amount information includes a larger amount of a settlement amount corresponding to the purchase amount (or an amount obtained by subtracting an amount corresponding to the cash balance from the settlement amount) and a charge setting amount, The automatic charging amount information preferably does not exceed the customer account balance (or the charging limit amount).

The affiliate company information may include affiliate identification information corresponding to the affiliate server 1700 operating the affiliate cache system 1705. [

FIG. 19 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache settlement between the affiliate cache system 1705 and the accounting system 1785 according to the second embodiment of the present invention.

In more detail, FIG. 19 shows an account bridge-based cash settlement interface provided to the customer terminal 1790 through the account bridge-based cash settlement request process shown in FIG. 18, or the account bridge- Based authentication between the affiliate cache system 1705 and the account system 1785 based on the non-facing authentication interface included in the account bridge-based cache settlement interface after the settlement request information is transmitted through the account- If the person skilled in the art is aware of the process of confirming the non-face-to-face transaction for payment, referring to and / or modifying FIG. 19, the affiliate cache system 1705 and the account system (1785) remote account cross-border transaction validation for bridge-based cash settlement Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 19.

Hereinafter, in Fig. 19, the customer terminal 1790 shown in Fig. 17 is referred to as a " terminal "for convenience, and the account bridge server 1710 is referred to as a" server "

Referring to FIG. 19, an account bridge-based cash settlement interface is provided to the customer terminal 1790 through the account bridge-based cash settlement request process shown in FIG. 18, or the account bridge- After the settlement request information is transmitted through the cache settlement interface, the terminal transmits a remote account bridge based on the remote account bridge system between the affiliate cache system 1705 and the account system 1785 through the non- (1900) whether non-face authentication information is inputted to confirm the non-face-to-face transaction validity for cache settlement.

Here, the non-face authentication information may include encryption / decryption-based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information for authenticating the non-face-to-face transaction in cooperation with the non-face authentication system 1783 provided in the financial company in which the customer account is established, A one-time password (OTP), a transaction password, and an account password.

Alternatively, if the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 1783 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 1705 (or the account bridge system).

If the non-facing authentication information for confirming the non-face transaction validity for remote account bridge-based cash settlement between the affiliate cache system 1705 and the accounting system 1785 is inputted (1905) through the non-face authentication interface, The terminal transmits the entered non-face authentication information to the server through the non-face authentication interface (1910).

According to an embodiment of the present invention, when the non-face authentication information includes at least one of encryption / decryption based authentication information, authorized certificate based authentication information, disposable password, transaction password, and account password, It can be directly transmitted to the non-facing authentication system 1783, and thus the present invention is not limited thereto.

The server then proceeds to settle the payment amount through the remote account bridge between the affiliate cache system 1705 and the accounting system 1785 through the received non-face authentication information, (1915) whether the non-face-to-face transaction validity of replacing the cache with the balance of the client account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount.

Face authentication information associated with the non-face-to-face authentication system 1783 provided in the financial institution according to an embodiment of the present invention, the server transmits the non-face-to-face authentication information to the non-face- (1783) to settle the settlement amount through the remote account bridge between the affiliate cache system 1705 and the account system 1785 or to transmit the cache of the affiliate cache system 1705 to the client account (Or relaying) the balance of the customer account to the balance of the customer account and the balance of the bridge customer account to confirm the effectiveness of the non-face-to-face transaction.

According to another embodiment of the present invention, in the case of authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates an arbitrary authentication number and transmits it to the customer wireless terminal, The authentication server 160 receives the authentication number input through the non-facing authentication interface included in the account bridge-based cache payment interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, The settlement amount is paid through the remote account bridge between the account system 1785 or the cache of the affiliate cache system 1705 is replaced with the balance of the customer account (or the cache operation account) and the bridged customer account It is preferable to authenticate the non-face-to-face transaction validity for payment of the settlement amount.

In a case where non-face authentication information including ID / PW information registered in the affiliate cache system 1705 (or the account bridge system) is received according to another embodiment of the present invention, the server transmits the non- (ID) information stored in the member information D / B (not shown) to settle the settlement amount through the remote account bridge between the affiliate cache system 1705 and the account system 1785, It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the system 1705 with the balance of the client account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount.

If the non-face-to-face transaction validity for the account bridge-based cache settlement is not confirmed through the non-face authentication information (1920), the server transmits non-face authentication error information to the terminal through the communication channel (1925).

In contrast, if the non-face-to-face transaction validity for the account bridge-based cache settlement is confirmed through the non-face authentication information (1920), the server transmits non-face authentication result information to the terminal through the communication channel (1930).

FIG. 20 is a diagram illustrating a remote account bridge-based cache settlement process between the affiliate cache system 1705 and the accounting system 1785 according to the second embodiment of the present invention.

In more detail, FIG. 20 shows an account bridge-based cash settlement interface provided to the customer terminal 1790 through the account bridge-based cash settlement request process shown in FIG. 18, If the non-face-to-face transaction validity for the account bridge-based cache settlement is authenticated through the non-face-to-face transaction validity checking process shown in FIG. 19, The account bridge server 1710 remotely bridges the affiliate cache system 1705 and the account system 1785 in cooperation with the account relay server 1780 provided in the financial institution to process the payment settlement through the affiliate cache system 1705 If the person skilled in the art is familiar with the process of the present invention, The present invention can be applied to various embodiments of the remote account bridge-based cache settlement process between the affiliate cache system 1705 and the accounting system 1785, And is not limited to the method shown in FIG. 20 only.

Hereinafter, in Fig. 20, the customer terminal 1790 shown in Fig. 17 is referred to as a " terminal "for convenience, and the account bridge server 1710 is referred to as a" server "

Referring to FIG. 20, the customer terminal 1790 requests account bridge-based cache settlement through the account bridge-based cache settlement request process shown in FIG. 18, and performs the non-face transaction validity check process shown in FIG. 19 If the validity of the non-face-to-face transaction for the account bridge-based cache settlement is authenticated, the server checks whether the account bridge-based cache settlement is requested from the terminal (2000). If the account bridge- 2005), the server transmits the client account (or cache operation account) information and automatic charge amount information to an account relay server (not shown) provided in the financial company through a remote account bridge between the affiliate cache system 1705 and the account system 1785 1780) (2010).

Thereafter, the server checks whether transaction history information on the automatic charging amount information is received from the account relay server 1780 provided in the financial institution (2015).

If the transaction history information on the charge amount information is received from the account relay server 1720 (2020), the server reads the transaction history information and confirms whether the transaction is approved (2025).

If the transaction approval information for the transaction history information is not confirmed in step 2030, the server processes the transaction history including transaction unauthorized information as payment history information by the affiliate cache system 1705 in step 2035, , And transmits the payment history information for the account bridge-based cash settlement to the terminal (step 2060).

If it is determined in step 2030 that the transaction is approved for the transaction history information, the server processes the transaction history information as the charge details of the affiliate cache system 1705 and applies the transaction history information in step 2040, (For example, balances the cash balance) (2045) in the cash balance corresponding to the customer account (or the cache operational account) in association with the charging details of the affiliate cache system 1705 (2050), the payment amount is paid through the cash balance including the automatic charging amount.

If the payment amount is paid through the cash balance including the automatic charging amount (2055), the server transmits payment history information about the account bridge-based cash settlement to the terminal and outputs the payment history information (2060).

FIG. 21 is a diagram illustrating a remote account bridge based reservation payment system between the affiliate cache system 2105 and the accounting system 2193 according to the second embodiment of the present invention.

More specifically, FIG. 21 illustrates an example in which a client terminal 2195 accesses an affiliate server 2100 having an affiliate cache system 2105 to purchase one or more types or intangible goods, Based cash settlement interface for the account bridge based cash settlement to the customer terminal 2195 when the customer terminal 2195 requests payment through the affiliate cache system 2105. The customer terminal 2195 provides the account bridge based cache When the payment request information is inputted (or selected) through the payment interface, the affiliate cash system 2105 provided in the non-financial affiliate through the payment request information and the accounting system 2193 provided in the financial company are remotely connected to the bridge And a payment settlement process corresponding to the purchase price, and more specifically, The cash balance information corresponding to the customer account (or the cache operating account) of the foreign cache system 2105 and the charging setting amount for the customer account (or the cache operating account) and the bridged customer account are checked (Or the amount of the settlement amount minus the amount corresponding to the cash balance) and the charge setting amount among the amount of money to be automatically remitted to the customer account (or the cache operating account) And withdrawing the automatic charging amount from the customer account in the manner of either the withdrawal after the pre-reservation or the reservation payment after the withdrawal, and processing the payment.

Those skilled in the art will be able to refer to and / or modify the FIG. 21 to determine a variety of remote account bridge based payment system configurations between the affiliate cache system 2105 and the account system 2193 It should be understood that the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG.

Referring to FIG. 21 according to an embodiment of the present invention, a remote account bridge based reservation system between the affiliate cache system 2105 and the accounting system 2193 includes at least one browser program, (2195) connected to the customer terminal (2195) via the communication network and connected to the customer terminal (2195) via the communication network, wherein the customer terminal (2195) Based on the funds deposited in the funds management account of the non-financial partners established in the financial corporation, the affiliate server 2100 that sells the products of the affiliate server 2100, An affiliate cash system 2105 for processing a purchase price of a purchased product at the customer terminal 2195, The customer terminal 2195 provides an account bridge-based cash settlement interface for account bridge-based cash settlement, and when the customer terminal 2195 inputs settlement request information through the account bridge-based cash settlement interface (Or selects) and transmits the payment request information to the affiliate cache system 2105 provided in the non-financial affiliate through the payment request information and the accounting system 2193 provided in the financial company remotely to bridge the payment amount corresponding to the purchase price And an account bridge server 2110 for accounting for remote account bridge based cash between the affiliate cache system 2105 and the account system 2193. The account bridge server 2110 is a functional name of the account bridge system, An account relay server 2187 (= the functional name of the account relay system) provided in the financial company for interlocking, And an account system (2193) for operating a partner's fund management account and one or more customer accounts.

However, the present invention is not limited thereto. The account bridge server 2110 may include at least two (2) or more The present invention can be implemented in the form of a server group.

That is, the account bridge server 2110 corresponds to the functional name of the account bridge system shown in FIG. 1, and it is made clear that the account bridge server 2110 is not limited to a physical name.

The customer terminal 2195 is connected to a wired communication network based on TCP / IP (Transmission Control Protocol / Internet Protocol), for example, an asymmetric digital subscriber line (ADSL) / a very high-data rate digital subscriber line (VDSL) A mobile communication terminal connected to a mobile communication network based on a CDMA (Code Division Multiple Access), or a mobile communication terminal including at least one of a wired terminal including a desktop computer or a notebook communicatively connected to the account bridge server 2110, A wireless terminal including at least one portable Internet terminal connected to an 802.16x-based high-speed wireless Internet, or an IP-TV capable of bidirectional communication through any one of the wired communication network or the wireless communication network, Or at least one TV apparatus (not shown) including at least one digital TV or DMB And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Those skilled in the art will recognize the technical features of the client terminal 2195 including one or more of the wired terminal, wireless terminal or TV device (not shown) The detailed description will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 2110 includes at least one web page source for generating (or extracting) a web page to be provided to the customer terminal 2195, and web page operation data The database is provided in a database management system (DBMS) associated with the account bridge server (2110).

According to an embodiment of the present invention, the web page source included in the web page operation data includes at least one tag string (for example, 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 contents of the web page. In this case, the web page provided to the customer terminal 2195 may include And a combination of a tag string (or a combination of tag strings).

According to another embodiment of the present invention, the web page source included in the web page operation data includes a web document source file corresponding to a web page to be provided to the customer terminal 2195 from the account bridge server 2110 For example, the web page provided to the customer terminal 2195 may include one or more tag strings, a script, and a web document source file including information content corresponding to the web page content. In this case, In the case of a web document source file (e.g., a web page source file in the case of a web page without a frame, or a web page composed of two or more frames, one web document source file and two or more web documents Source file) is extracted.

The web content included in the web page management data includes a tag string that links one or more contents (e.g., text content, image content, sound content, multimedia content) among the tag strings included in the web page , One or more text content corresponding to a tag string linking the content, image content, sound content, and multimedia content.

According to another embodiment of the present invention, the web page operation data may be transmitted to the customer terminal 2195 in addition to the account bridge server 2110 according to a location of providing the account bridge-based cache payment interface for settlement of the account bridge- The affiliate server 2100, the affiliate cache system 2105 and the gateway 2185. The web page management data may be provided to the affiliate server 2100, the affiliate cache system 2105 ), And gateway 2185, all of which are incorporated herein by reference in their entirety.

According to an embodiment of the present invention, the account bridge server 2110 stores and stores customer account information (or cache operation account) information registered through the account registration system shown in FIG. 2 and customer account information, The account bridge D / B 2183 preferably includes an account bridge D / B 2183 for storing one or more pieces of information related to the customer's wireless terminal information, Or the cash balance information corresponding to the customer account information (or the cache operation account) bridged remotely with the customer account (or the cache operation account), or further stores the charge setting amount information and the withdrawal limit amount information corresponding to the customer account information bridged remotely It is preferable to store them in association with each other.

Herein, the cash balance information is the balance information of a cache for storing, recording, and managing, through the customer account (or a cache operation account), among the amounts deposited in the funds management account in the affiliate cache system 2105, And a balance obtained by subtracting the cache corresponding to the settlement history from the cache corresponding to the charge history corresponding to the customer account (or the cache operation account) of the system 2105. [

According to another embodiment of the present invention, when the account balance server 2110 checks the cash balance through the affiliate cache system 2105, the cash balance information may be omitted in the account bridge D / B 2183 The present invention is not limited thereto.

The charge setting amount information is used when the non-financial affiliate partner withdraws from the client account (or the cache operation account) and the bridge customer account at the settlement processing of the settlement amount using the affiliate cache system 2105, It is preferable that the charge setting amount is set by the customer or set according to the policy of the account bridge server 2110. [

The withdrawal amount limit information is used when the non-financial affiliate withdraws from the client account (or the cache operation account) and the bridge customer account at the settlement processing of the settlement amount using the affiliate cache system 2105, The withdrawal limit amount includes a limit amount of at least one of a one-time limit amount, a daily limit amount, a week limit limit amount, and a monthly limit amount, which is a limit amount to be deposited (or transferred) into the fund management account.

If the charge setting amount information and the withdrawal limit amount information are stored in the account relay D / B provided in the financial institution, the charge setting amount information and the withdrawal limit amount information are stored in the account bridge D / B 2183 The present invention is not limited thereto.

21, the account bridge server 2110 provides a web page to the customer terminal 2195 using an HTTP compatible protocol corresponding to the communication network, or a web page provided to the customer terminal 2195 And a web interface 2115 for connecting and managing a web interface for receiving various kinds of information input (or selected) by the customer terminal 2195 in a GET / POST manner.

If the customer terminal 2195 is a wired terminal connected to a communication channel through a wired communication network based on TCP / IP according to an embodiment of the present invention, the web interface unit 2115 transmits the TCP / (* .Htm, * .asp, *. Xml) to the customer terminal 2195 through the communication channel, and connects and manages the communication channel through the IP-based HTTP protocol ) Type web page is provided or the information input from the customer terminal 2195 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, when the customer terminal 2195 is a wireless terminal connected with a communication channel through a CDMA / WCDMA based wireless communication network, the web interface unit 2115 transmits the CDMA / (E.g., WAP (Wireless Application Protocol) or ME (Mobile Explorer)) corresponding to the WCDMA-based wireless Internet protocol and connects the communication channel through the communication channel to the customer terminal 2195 (For example, * .wml, * .htm) to provide a web page in the form of an HTML compatible document (e.g., * .wml, * .htm), or to interface the information input from the customer terminal 2195 to receive in a GET / POST manner .

According to another embodiment of the present invention, when the customer terminal 2195 is a wireless terminal connected with a communication channel through an IEEE 802.16 based wireless communication network, the web interface unit 2115 connects the customer terminal 2195 with IEEE (E.g., * .htm, *. Asp, *. Asm) to the customer terminal 2195 through the communication channel through the HTTP compatible protocol corresponding to the 802.16x based wireless internet protocol. xml) is provided or the information input from the customer terminal 2195 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, the web interface unit 2115 transmits the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 2195 according to the position of the account bridge server 2110 The web interface unit 2115 may be installed in any one of the affiliate server 2100, the affiliate cache system 2105 and the gateway 2185. The web interface unit 2115 may be provided in the affiliate server 2100, The cache system 2105, and the gateway 2185 according to an embodiment of the present invention.

Referring to FIG. 21, the customer terminal 2195 accesses an affiliate server 2100 having an affiliate cache system 2105 to purchase one or more types of goods or intangible goods, and purchases the purchased goods Upon requesting payment through the affiliate cache system 2105, the account bridge server 2110 generates (or extracts) a web page to be provided to the customer terminal 2195 based on the web page operation data A web page operation unit 2120 (or a web page operation unit), and an account bridge-based cash settlement unit 2120 for creating the account bridge-based cache payment in association with the web page operation unit 2120 And an interface providing unit 2125 (or an interface providing unit) including an interface. The web page operating unit 2120 includes a web browser In conjunction with the interface unit 2115 to the Web page the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (2195).

According to another embodiment of the present invention, the web page operating unit 2120 and the interface providing unit 2125 may provide the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 2195 The affiliate cache system 2105 and the gateway 2185 in addition to the account bridge server 2110 according to the present invention and the web page operation unit 2120 may be provided in the affiliate server 2100, And the interface providing unit 2125 are included in any one of the affiliate server 2100, the affiliate cache system 2105 and the gateway 2185.

The customer terminal 2195 accesses the affiliate server 2100 having the affiliate cache system 2105 to purchase at least one type or intangible product and a payment means for making a payment for the purchase price for the purchased product The web page operating unit 2120 requests the settlement amount corresponding to the purchase amount to be paid through the affiliate cache system 2105. The web page operating unit 2120 transmits the payment amount corresponding to the purchase amount to the affiliate cache system 2105, (2195) for a remote account bridge-based settlement process between the customer terminal (2195) and the accounting system (2193), and generates a web page corresponding to the confirmed web page link from the web page operation data (Or extracting) the web page content and the web content, and using the confirmed web page source and the web content, A web page to be provided in the customer terminal (2195) is characterized in that to generate (or extract).

When the web page operating unit 2120 generates (or extracts) a web page to be provided to the customer terminal 2195 for remote account bridge-based payment processing between the affiliate cache system 2105 and the accounting system 2193, The interface providing unit 2125 may include the account bridge-based cash settlement interface in the web page and may be provided to the customer terminal 2195 in association with the web page operating unit 2120.

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, As a person skilled in the art, technical characteristics of a form form for inputting (or selecting) the payment request information in the customer terminal 2195 based on the information attribute of the payment request information are known A detailed form description corresponding to the account bridge-based cash settlement interface will be omitted for the sake of convenience.

Here, the account bridge-based cash settlement interface may be configured such that cash balance information corresponding to a customer account (or a cache operational account) of the affiliate cache system 2105 and cash balance information corresponding to the customer account are automatically withdrawn from the customer account It is preferable to display the payment amount corresponding to the purchase price and further display the customer account (or the cache operational account) information on the cash balance. And further includes shopping cart information for the purchased product according to the intention.

The account bridge-based cash settlement interface may be configured to settle the settlement amount through a remote account bridge between the affiliate cache system 2105 and the account system 2193, Face authentication interface for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 2190 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 2190 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may further include a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (for example, payment after pre-payment after reservation or payment after pre-payment) .

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

21, when the account bridge server 2110 generates (or extracts) the account bridge-based cache payment interface in the interface provider 2125, the account bridge server 2110 generates a client account (or a client account) of the affiliate cache system 2105 (For example, a cash balance is insufficient) for comparing the amount of money corresponding to the cash balance information with the settlement amount so as to settle the settlement amount through the cash balance, (Or the cache settlement validity checking unit) 2130 (or the cache settlement validity checking unit) for checking the validity of the cache settlement And a payment processing unit 2173 (or a payment processing means) for processing the payment amount.

The cache settlement validity checking unit 2130 checks the account bridge D / B 2183 (or the affiliate cache system 2105) when the account provider 2125 generates (or extracts) the account bridge- (Or a cache operational account) of the affiliate cache system 2105 in association with the customer account (or the cache operational account), and the cash balance information corresponding to the customer account And comparing the amount of money corresponding to the cash balance information with the payment amount to check the validity (e.g., insufficient cash balance) for processing the payment amount through the cash balance.

When the validity of the cache settlement is confirmed by the cache settlement validity checking unit 2130, the settlement processing unit 2173 performs settlement processing of the settlement amount through the cash balance in cooperation with the affiliate cache system 2105 The affiliate cache system 2105 (or the settlement processor 2173) provides a cash settlement interface for settlement of the settlement amount through the cash balance to the customer terminal 2195 desirable.

Those skilled in the art will appreciate the technical features of the cache settlement interface and the cache settlement process through the cache balance, and therefore, a detailed description thereof will be omitted for the sake of convenience.

Referring to FIG. 21, the account bridge server 2110 determines whether the cache settlement validity is valid (or the cache balance is insufficient) by the cache settlement validity checking unit 2130, (Or an amount obtained by subtracting the amount corresponding to the cash balance from the settlement amount) and a charge setting amount, whichever is greater, of the customer account (Or charge amount checking means) 2135 (or a charging amount checking means) for checking the automatic charging amount information to be automatically charged to the customer account (or the cache operating account) (Or information display means) 2140 for displaying the cash balance information corresponding to the cash balance account (or the cash operating account) on the account bridge-based cash settlement interface, Characterized in that formed by having.

If the cache settlement validity is not confirmed by the cache settlement validity checking unit 2130 (for example, if the cache balance is insufficient), the charge amount checking unit 2135 checks whether the account balance D / B 2183 (Or an account relay server 2187 provided in a financial institution) to confirm the charge setting amount for the customer account (or the cache operation account) and the bridged customer account.

When the cash balance information corresponding to the customer account (or the cache operation account) of the affiliate cache system 2105 and the charge setting amount for the customer account (or the cache operation account) and the bridged customer account are confirmed, Unit 2135 withdraws a larger amount of the settlement amount corresponding to the purchase amount (or the amount obtained by subtracting the amount corresponding to the cash balance from the settlement amount) and the charge setting amount from the customer account, Or the cache operating account) of the user.

According to another embodiment of the present invention, the charge amount confirmation unit 2135 can automatically check the charge setting amount for the customer account (or the cache operation account) and the bridged customer account with the automatic charge amount information , Whereby the present invention is not limited thereto.

According to another embodiment of the present invention, the charge amount confirmation unit 2135 can automatically check the amount of money to be charged or the amount of money to be subtracted from the amount corresponding to the cash balance as the automatic charge amount information The present invention is not limited thereto.

If the cash balance information and the automatic charging amount information corresponding to the customer account (or the cache operating account) are confirmed by the charging amount confirmation unit 2135, the information display unit 2140 displays the customer account (or the cache operating account) (Or extracts) the cash balance information and the automatic charging amount information corresponding to the account bridge-based cash settlement interface corresponding to the customer terminal 2195 and outputs the same through the customer terminal 2195 do.

According to an embodiment of the present invention, the information display unit 2140 displays the cash balance information and the automatic charging amount information in a separate display area.

According to another embodiment of the present invention, the information display unit 2140 may display the cash balance information by adding the automatic charging amount information to the cash balance information.

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

Referring to FIG. 21, the account bridge server 2110 transmits the payment request information through the payment request interface included in the account bridge-based cash settlement interface at the customer terminal 2195, And an information receiving unit 2145 (or information receiving means) for receiving the information.

The customer terminal 2195 provided with the web page including the account bridge-based cash settlement interface transmits the settlement request information for the account bridge-based cash settlement through the settlement request interface included in the account bridge-based cash settlement interface And the information receiving unit 2145 receives the payment request information.

According to an embodiment of the present invention, the settlement request information includes at least one of the customer account (or cache operation account) information, the settlement amount information, the automatic charge amount information, and the affiliate information for operating the affiliate cache system 2105 And may further include payment method selection information through the purchase method information and the payment method selection interface according to the intention of those skilled in the art.

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 2105 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 2105. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The settlement amount information preferably includes purchase amount information corresponding to a product purchased by the customer terminal 2195 by connecting to the affiliate server 2100. The settlement amount information for the cash- And cache information corresponding to a currency unit of the affiliate cache system 2105. [

Preferably, the automatic charging amount information includes a larger amount of a settlement amount corresponding to the purchase amount (or an amount obtained by subtracting an amount corresponding to the cash balance from the settlement amount) and a charge setting amount, The automatic charging amount information preferably does not exceed the customer account balance (or the withdrawal limit amount).

The affiliate information may include affiliate identification information corresponding to the affiliate server 2100 operating the affiliate cache system 2105. [

Referring to FIG. 21, the account bridge server 2110 receives non-face authentication information through the non-face authentication interface included in the account bridge-based cache payment interface at the customer terminal 2195, (Or information receiving means) that receives the face-to-face authentication information, and an information receiving unit 2145 (or information receiving means) that receives the face-to-face authentication information and transmits the payment amount through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 (Or relaying) the cache of the affiliate cache system 2105 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the non-face-to-face transaction validity And a transaction authentication processing unit 2150 (or transaction authentication processing means) for authenticating the transaction.

Face authentication information for the account bridge-based cash settlement through the non-face authentication interface included in the account bridge-based cash settlement interface at the customer terminal 2195 provided with the web page including the account bridge-based cash settlement interface And the information receiving unit 2145 receives the non-face authentication information.

Here, the non-face authentication information may include encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information, and authentication information for authenticating the non-face-to-face transaction in cooperation with a non- A one-time password (OTP), a transaction password, and an account password.

Alternatively, when the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 2190 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 2105 (or the account bridge system).

When the non-face authentication information for the account bridge-based cache settlement is received through the information receiving unit 2145, the transaction authentication processing unit 2150 receives the non-face authentication information from the affiliate cache system 2105, System 2193 or by replacing the cache of the affiliate cache system 2105 with the balance of the client account (or the cache operational account) and the bridge customer account ), And authenticates the non-face-to-face transaction validity for payment of the settlement amount.

If the non-face authentication information associated with the non-face-to-face authentication system 2190 included in the financial company is received via the information receiving unit 2145 according to an embodiment of the present invention, Facsimile authentication information to be transmitted to the non-face-to-face authentication system 2190 provided in the financial institution, and settle the settlement amount through the remote account bridge between the affiliate cash system 2105 and the accounting system 2193, It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the affiliate cache system 2105 with the balance of the client account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount .

According to another embodiment of the present invention, when the validity of the non-face-to-face transaction is authenticated using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 2150 generates an arbitrary authentication number, Based authentication interface included in the account bridge-based cash settlement interface, receives the authentication number input through the non-facing authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, The settlement amount is paid through the remote account bridge between the system 2105 and the account system 2193 or the cache of the affiliate cache system 2105 is transmitted to the client account (or the cache operation account) (Or relaying) the balance to settle the settlement amount to authenticate the non-face-to-face transaction validity desirable.

When non-face authentication information including ID / PW information registered in the affiliate cache system 2105 (or the account bridge system) is received through the information receiving unit 2145 according to another embodiment of the present invention, The transaction authentication processing unit 2150 compares the non-confidential authentication information with the ID / PW information stored in the member information D / B (not shown) to determine a remote account bridge between the affiliate cache system 2105 and the accounting system 2193 (Or relaying) the cash of the affiliate cache system 2105 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the settlement amount It is desirable to verify the effectiveness of non-face-to-face transactions.

Referring to FIG. 21, the account bridge server 2110 transmits payment settlement for the settlement request information through a remote account bridge between the affiliate cache system 2105 and the account system 2193 in a withdrawal payment method after pre-reservation The settlement request information is received from the customer terminal 2195 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 2105 and the account system 2193 is authenticated, When the automatic payment amount information for the account bridge based cash settlement is confirmed by the amount confirmation unit 2135, the payment amount included in the payment request information is transmitted to the affiliate cache system 2105 and the account system 2193 within a predetermined time, An information generating unit 2175 (or information generating means) for generating payment reservation information for making a payment through the remote account bridge, An information storage unit 2177 (or an information storage unit) for storing the information of the cache operating account), the automatic charging amount information, and the payment reservation information in the account bridge D / B 2183 (or the affiliate cache system 2105) A customer approval confirmation unit 2180 for confirming the approval of the customer to settle the payment amount through the remote account bridge between the affiliate cache system 2105 and the account system 2193 through the payment reservation information and the customer communication means, (Or a customer approval confirmation means).

The settlement request information is received from the customer terminal 2195 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 2105 and the account system 2193 is authenticated, If the automatic payment amount information for the account bridge based cash settlement is confirmed by the payment unit 2135, the information generation unit 2175 transmits the payment amount included in the payment request information to the affiliate cache system 2105 within a predetermined time, Payment settlement date information, automatic payment setting information, payment instruction information, customer approval password, and customer communication means information for making a payment through the remote account bridge between the account system 2193 and the account system 2193, The payment amount information (or the automatic charging amount information) included in the payment request information, the affiliate information, and the purchase item information And generates payment reservation information.

Here, the scheduled payment expiration date information includes at least one of date information and time information for expiration of reservation payment of the withdrawal payment method after the pre-reservation, and after the expiration date of the reservation payment, It is preferable that the settlement process is automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , Payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that the payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or created), or the password of the member information registered through the information registration procedure such as the account registration system shown in FIG. 2 or registered in the affiliate server 2100 (or the affiliate cache system 2105) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the payment reservation information is generated through the information generation unit 2175, the information storage unit 2177 stores the customer account (or cache operation account) information, the automatic charging amount information, and the information generated by the information generation unit 2175 And stores the settlement reservation information in the account bridge D / B 2183 (or the affiliate cache system 2105) in association with each other.

The information storage unit 2177 stores the client account (or cache operation account) information, the automatic charge amount information, and the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105) The customer approval confirmation unit 2180 confirms the reservation payment expiration date information included in the payment reservation information in connection with the account bridge D / B 2183 (or the affiliate cache system 2105) (Or message) including payment instruction information included in the payment reservation information at least once before the date and time of the reservation payment, and a password input interface for inputting and transmitting the customer approval password To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 2180 identifies the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, Receives the customer approval password input through the password input interface from the terminal receiving the mail or the terminal using the messenger, and transmits the received customer approval password and the account bridge D / B 2183 (or the affiliate cache system 2105) with the customer approval password of the payment reservation information, and confirms the customer approval for processing the settlement amount through the remote account bridge between the affiliate cache system 2105 and the account system 2193 .

Referring to FIG. 21, the account bridge server 2110 confirms whether a customer approval for reservation payment is confirmed by the customer approval confirmation unit 2180, or the automatic payment processing information included in the payment reservation information An information transmission unit 2155 (or information transmission means) for transmitting the client account (or cache operation account) information and the automatic charge amount information to the account relay server 2187 provided in the financial institution, (Or a cash management account) and a client account that is bridged through the account system 2193 provided in the financial institution in the account relay server 2187, (Or transfer) the transaction information to the account management system 2193, a history receiving unit 2160 (see FIG. 21) for receiving the transaction history information corresponding to the deposit (or transfer) transaction from the accounting system 2193 A transaction approval confirmation unit 2165 (or a transaction approval confirmation means) that reads the transaction details information and confirms whether the deposit (or transfer) transaction has been normally processed, (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 2183 when the transaction approval for the transaction is confirmed, A history processor 2170 (or a history processing unit) for processing information of the customer account (or a cache operation account) as a charge history of the customer account (or a cache operation account) and an automatic charge amount corresponding to the charge history through the affiliate cache system 2105 The settlement amount is included in the cash balance corresponding to the account (or the cache operation account), the settlement amount is paid through the cash balance, and the cache via the affiliate cache system 2105 (Or settlement processing means) for transferring settlement history information corresponding to the settlement processing to the customer terminal 2195. The settlement processing section 2173 (Or transfer) transaction, the settlement processing unit 2173 processes the transaction history information including the unauthorized transaction information for the deposit (or transfer) transaction as the account bridge-based payment history information, And transmits it to the communication means.

When the customer approval confirmation unit 2180 confirms the customer's approval for the reservation payment or the automatic payment processing information included in the payment reservation information automatically confirms the reservation payment, (Or cache operation account) information included in the settlement request information or in connection with the account bridge D / B 2183 to confirm the client account (or cache operation account) information, (Or the cache operation account) information and the automatic charge amount information to the account relay server 2187 provided in the financial company through the remote account bridge between the cache system 2105 and the account system 2193 do.

Thereafter, the account relay server 2187 withdraws the automatic charging amount from the customer account (or the cache operational account) and the bridged customer account through the accounting system 2193 provided in the financial institution, (Or transferring) the transaction to the account management server, and transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 2110. In response thereto, the history receiving unit 2160 transfers the transaction history information Transaction information corresponding to the deposit (or transfer) transaction is received from the transaction history information 2193.

If the transaction history information including the transaction approval information is received through the history receiving unit 2160, the transaction approval confirmation unit 2165 reads the transaction history information to check whether the transfer (or transfer) transaction is normally processed .

If it is confirmed that the deposit (or transfer) transaction has been normally processed, the history processor 2170 checks the client account (or the cache operational account) bridged with the customer account in connection with the account bridge D / B 2183 And the transaction history information received through the affiliate cache system 2105 is processed as a charge detail of the customer account (or a cache operational account) and stored.

The settlement processing unit 2173 includes an automatic charge amount corresponding to the charge details through the affiliate cache system 2105 in a cache balance corresponding to the client account (or a cache operation account) (for example, balances the cache balance) The settlement amount information corresponding to the cash-based settlement processing is stored in the affiliate cache system 2105, and the settlement amount information corresponding to the cash- And transmits the payment history information corresponding to the processing to the customer terminal (2195).

On the other hand, when it is confirmed that the deposit (or transfer) transaction is normally processed, the payment processing unit 2173 processes the transaction history information including the unauthorized transaction information for the deposit (or transfer) transaction as the account bridge- To the customer communication means.

Referring to FIG. 21, the account bridge server 2110 receives a settlement payment for the settlement request information through a remote account bridge between the affiliate cache system 2105 and the account system 2193, The settlement request information is received from the customer terminal 2195 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 2105 and the account system 2193 is authenticated, When the automatic payment amount information for the account bridge based cash settlement is confirmed by the amount checking unit 2135, the client account (or the cache operation account) information and the automatic charge amount information are transmitted to the account relay server 2187 (Or information transfer means) for transferring the account information from the account relay system 2187 to the account relay system 2187 (Or transfer) the automatic charging amount from the client account (or the cache operational account) and the bridged customer account to the financial operation account of the non-financial affiliated company, ) Transaction receipt section 2160 (or a history receiving section) that receives the transaction history information corresponding to the transaction, and a transaction approval confirmation section 2165 that reads the transaction history information and confirms that the deposit (or transfer) (Or the transaction approval confirmation means), and when the transaction approval for the deposit (or transfer) transaction is confirmed, the payment amount included in the payment request information is transmitted to the affiliate cache system 2105 and the account system 2193 within a predetermined time, An information generating unit 2175 (or information generating means) for generating payment reservation information for making a payment through the remote account bridge, An information storage unit 2177 (or an information storage unit) for storing the information of the cache operating account), the automatic charging amount information, and the payment reservation information in the account bridge D / B 2183 (or the affiliate cache system 2105) A customer approval confirmation unit 2180 for confirming the approval of the customer to settle the payment amount through the remote account bridge between the affiliate cache system 2105 and the account system 2193 through the payment reservation information and the customer communication means, (Or a customer approval confirmation means). When the transaction approval for the deposit (or transfer) transaction is not confirmed by the transaction approval confirmation unit 2165, the transaction approval for the deposit (or transfer) And a settlement processor 2173 for processing the transaction history information including the information as the account bridge-based settlement history information and transmitting the processed transaction history information to the customer communication means .

The settlement request information is received from the customer terminal 2195 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 2105 and the account system 2193 is authenticated, If the automatic payment amount information for the account bridge based cash settlement is confirmed by the payment unit 2135, the information transmission unit 2155 checks the customer account (or cache operation account) information included in the payment request information, (Or cache operation account) information in connection with the account bridge D / B 2183 and confirms the customer account (or cache operation account) information through the remote account bridge between the affiliate cache system 2105 and the account system 2193 Or cash operating account information) and automatic charging amount information to the account relay server 2187 provided in the financial company.

Thereafter, the account relay server 2187 withdraws the automatic charging amount from the customer account (or the cache operational account) and the bridged customer account through the accounting system 2193 provided in the financial institution, (Or transferring) the transaction to the account management server, and transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 2110. In response thereto, the history receiving unit 2160 transfers the transaction history information Transaction information corresponding to the deposit (or transfer) transaction is received from the transaction history information 2193.

If the transaction history information including the transaction approval information is received through the history receiving unit 2160, the transaction approval confirmation unit 2165 reads the transaction history information to check whether the transfer (or transfer) transaction is normally processed .

If it is confirmed that the deposit (or transfer) transaction has been normally processed, the information generating unit 2175 transmits the payment amount included in the payment request information to the affiliate cache system 2105 and the account system 2193 Includes at least one of transaction history information, reservation payment expiration date information, automatic payment setting information, payment instruction information, customer approval password, and customer communication means information received through the history receiving unit 2160 for payment processing through the remote account bridge And generates payment reservation information including payment amount information (or the automatic charging amount information) included in the payment request information, affiliate information, and purchase product information according to the intention of a person skilled in the art.

Here, the transaction details information may include at least one of a customer account (or a cash management system) to settle a settlement amount included in the settlement request information through a remote account bridge between the affiliate cache system 2105 and the account system 2193 within a predetermined time, (Or transfer) the withdrawal amount of the automatic recharge amount from the bank account of the non-financial partner and the bank account of the non-financial affiliate.

Wherein the reservation payment expiration date information includes at least one of date information and time information for expiration of the reservation payment of the pre-payment after withdrawal reservation scheme, and after the reservation payment expiration date and time, It is preferable that the payment processing is automatically canceled or automatically processed.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , Payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that the payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or created), or the password of the member information registered through the information registration procedure such as the account registration system shown in FIG. 2 or registered in the affiliate server 2100 (or the affiliate cache system 2105) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the payment reservation information is generated through the information generation unit 2175, the information storage unit 2177 stores the customer account (or cache operation account) information, the automatic charging amount information, and the information generated by the information generation unit 2175 And stores the settlement reservation information in the account bridge D / B 2183 (or the affiliate cache system 2105) in association with each other.

According to another embodiment of the present invention, the information storage unit 2177 may process the transaction details information into a charging history for the charging amount information and store the information in the affiliate cache system 2105, The present invention is not limited thereto.

The information storage unit 2177 stores the client account (or cache operation account) information, the automatic charge amount information, and the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105) The customer approval confirmation unit 2180 confirms the reservation payment expiration date information included in the payment reservation information in connection with the account bridge D / B 2183 (or the affiliate cache system 2105) (Or message) including payment instruction information included in the payment reservation information at least once before the date and time of the reservation payment, and a password input interface for inputting and transmitting the customer approval password To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 2180 identifies the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, Receives the customer approval password input through the password input interface from the terminal receiving the mail or the terminal using the messenger, and transmits the received customer approval password and the account bridge D / B 2183 (or the affiliate cache system 2105) with the customer approval password of the payment reservation information, and confirms the customer approval for processing the settlement amount through the remote account bridge between the affiliate cache system 2105 and the account system 2193 .

Referring to FIG. 21, the account bridge server 2110 confirms whether a customer approval for reservation payment is confirmed by the customer approval confirmation unit 2180, or the automatic payment processing information included in the payment reservation information (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B (2183) when the reservation payment is automatically approved, and transmits transaction history information included in the payment reservation information to the customer account A history processor 2170 (or a history processing unit) that processes the client account (or a cache operational account) as a charging history, and an automatic charging amount corresponding to the charging history through the affiliate cache system 2105, The settlement amount is included in the cash balance corresponding to the cash management account of the affiliate cache system 2105, (Or payment processing means) for transferring the settlement particulars information corresponding to the settlement history information to the customer terminal 2195. The settlement processing section 2173 (or the settlement processing means) When the transaction approval for the transaction is not confirmed, the payment processing unit 2173 processes the transaction history information including the unauthorized transaction information for the deposit (or transfer) transaction as the account bridge-based payment details information and transmits the transaction history information to the customer communication means .

When the customer approval confirmation unit 2180 confirms the customer's approval for the reservation payment or the automatic payment processing information included in the payment reservation information automatically confirms the reservation payment, the details processing unit 2170 (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 2183, and transmits the transaction history information included in the payment reservation information to the client account (or the cache operational account) And then stored in the memory.

The settlement processing unit 2173 includes an automatic charge amount corresponding to the charge details through the affiliate cache system 2105 in a cache balance corresponding to the client account (or a cache operation account) (for example, balances the cache balance) The settlement amount information corresponding to the cash-based settlement processing is stored in the affiliate cache system 2105, and the settlement amount information corresponding to the cash- And transmits the payment history information corresponding to the processing to the customer communication means.

The payment processing unit 2173 transmits the transaction history information to the customer account (or the cache operation account) through the affiliate cache system 2105 And the refund history information is transmitted to the customer communication means.

FIG. 22 is a diagram illustrating a remote account bridge-based reservation payment request process between the affiliate cache system 2105 and the accounting system 2193 according to the second embodiment of the present invention.

In more detail, FIG. 22 illustrates an example in which a client terminal 2195 accesses an affiliate server 2100 having an affiliate cache system 2105 to purchase one or more types or intangibles, Upon requesting payment through the affiliate cache system 2105, the account bridge server 2110 shown in FIG. 6 provides an account bridge-based cache payment interface for the account bridge-based cache payment to the customer terminal 2195 (Or selecting) settlement request information through the account bridge-based cash settlement interface in the customer terminal 2195 and then transmitting the settlement request information to the customer terminal 2195. As a person skilled in the art, Referring to and / or modified from FIG. 22, remote account bridge-based reservation payment between the affiliate cache system 2105 and the account system 2193 It will be understood that the present invention is not limited to the method shown in FIG.

Hereinafter, in Fig. 22, the customer terminal 2195 shown in Fig. 6 is referred to as a " terminal "for convenience, and the account bridge server 2110 is referred to as a" server "

Referring to FIG. 22, the terminal accesses an affiliate server 2100 having an affiliate cache system 2105 to purchase at least one type or an intangible commodity, and records a purchase price for the purchased commodity in the affiliate cache system (2200), the server concatenates a communication channel with the terminal and generates an account bridge-based cache payment interface to be provided to the terminal for payment of the account bridge-based cache (2205).

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, As a person skilled in the art, technical characteristics of a form form for inputting (or selecting) the payment request information in the customer terminal 2195 based on the information attribute of the payment request information are known Therefore, a detailed description of the form form corresponding to the account bridge-based cash settlement interface in FIG. 22 will be omitted for the sake of convenience.

Here, the account bridge-based cash settlement interface may be configured such that cash balance information corresponding to a customer account (or a cache operational account) of the affiliate cache system 2105 and cash balance information corresponding to the customer account are automatically withdrawn from the customer account It is preferable to display the payment amount corresponding to the purchase price and further display the customer account (or the cache operational account) information on the cash balance. And further includes shopping cart information for the purchased product according to the intention.

The account bridge-based cash settlement interface may be configured to settle the settlement amount through a remote account bridge between the affiliate cache system 2105 and the account system 2193, Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 2190 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 2190 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may further include a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (for example, payment after pre-payment after reservation or payment after pre-payment) .

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

When the account bridge-based cache payment interface is created (or extracted), the server checks the cache balance information corresponding to the client account (or the cache operation account) of the affiliate cache system 2105, And checks the validity (e.g., insufficient cash balance) to settle the settlement amount through the cash balance (2210).

If the validity of the cache settlement is confirmed (2215), the server makes a settlement process of the settlement amount through the cash balance in connection with the affiliate cache system 2105 (2220) 2105 may provide a cash settlement interface to the customer terminal 2195 to settle the settlement amount through the cash balance.

Those skilled in the art will appreciate the technical features of the cache settlement interface and the cache settlement process through the cache balance, and therefore, a detailed description thereof will be omitted for the sake of convenience.

On the other hand, if the cache settlement validity is not confirmed 2215, the server confirms the charge setting amount for the customer account (or the cache operation account) bridged with the client account, A larger amount of the charge setting amount (the amount obtained by subtracting the amount corresponding to the cash balance from the settlement amount) from the customer account and confirms it as the automatic charge amount information to be automatically charged to the customer account (or the cache operation account) (2225).

According to another embodiment of the present invention, the charge amount confirmation unit 2135 can automatically check the charge setting amount for the customer account (or the cache operation account) and the bridged customer account with the automatic charge amount information , Whereby the present invention is not limited thereto.

According to another embodiment of the present invention, the charge amount confirmation unit 2135 can automatically check the amount of money to be charged or the amount of money to be subtracted from the amount corresponding to the cash balance as the automatic charge amount information The present invention is not limited thereto.

If the cash balance information and the automatic charging amount information corresponding to the existing customer account (or the cache operating account) are confirmed (2230), the server responds to the confirmed automatic charging amount information and the client account (or the cache operational account) (2235) the cash balance information on the account bridge-based cash settlement interface (2235), and transmits the account bridge-based cash settlement interface to the terminal (2240).

According to an embodiment of the present invention, the server preferably displays the cash balance information and the automatic charging amount information in a separate display area.

According to another embodiment of the present invention, it is preferable that the server adds the automatic charge amount information to the cache balance information and displays the information in the area for displaying the cache balance information.

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

The terminal receiving the account bridge-based cache settlement interface checks whether the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface (2245). If the account bridge-based cache settlement is requested (2250) And transmits settlement request information to the server through the account bridge-based cache settlement interface (2255).

According to an embodiment of the present invention, the settlement request information includes at least one of the customer account (or cache operation account) information, the settlement amount information, the automatic charge amount information, and the affiliate information for operating the affiliate cache system 2105 And may further include payment method selection information through the purchase method information and the payment method selection interface according to the intention of those skilled in the art.

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 2105 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 2105. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The settlement amount information preferably includes purchase amount information corresponding to a product purchased by the customer terminal 2195 by connecting to the affiliate server 2100. The settlement amount information for the cash- And cache information corresponding to a currency unit of the affiliate cache system 2105. [

Preferably, the automatic charging amount information includes a larger amount of a settlement amount corresponding to the purchase amount (or an amount obtained by subtracting an amount corresponding to the cash balance from the settlement amount) and a charge setting amount, The automatic charging amount information preferably does not exceed the customer account balance (or the charging limit amount).

The affiliate information may include affiliate identification information corresponding to the affiliate server 2100 operating the affiliate cache system 2105. [

FIG. 23 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based reservation payment between the affiliate cache system 2105 and the accounting system 2193 according to the second embodiment of the present invention.

In more detail, FIG. 23 shows an account bridge-based cash settlement interface provided to the customer terminal 2195 through the account bridge-based cash settlement request process shown in FIG. 7, or from the customer terminal 2195 to the account bridge Based authentication between the affiliate cache system 2105 and the account system 2193 based on the non-facing authentication interface included in the account bridge-based cache settlement interface after the settlement request information is transmitted through the base- The process of confirming the non-face-to-face transaction validity for settlement, and those having ordinary skill in the art will refer to and / or modify the FIG. 23 to determine whether the affiliate cache system 2105, (2193) remote account cross-border transaction validation for bridge-based payment Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 23.

Hereinafter, in Fig. 23, the customer terminal 2195 shown in Fig. 6 is referred to as a " terminal "for convenience, and the account bridge server 2110 is referred to as a" server "

Referring to FIG. 23, the account bridge-based cash settlement interface is provided to the customer terminal 2195 through the account bridge-based cash settlement request process shown in FIG. 7, or the account bridge- After the settlement request information is transmitted through the cache settlement interface, the terminal accesses the account bridge system between the affiliate cache system 2105 and the account system 2193 via the non-face authentication interface included in the account bridge- (2300) whether non-face authentication information for confirming the non-face transaction validity for cash settlement is input.

Here, the non-face authentication information may include encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information, and authentication information for authenticating the non-face-to-face transaction in cooperation with a non- A one-time password (OTP), a transaction password, and an account password.

Alternatively, when the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 2190 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 2105 (or the account bridge system).

If the non-face authentication information for confirming the non-face-to-face transaction validity for remote account bridge-based cash settlement between the affiliate cache system 2105 and the accounting system 2193 is inputted (2305) through the non-face authentication interface, The terminal transmits the entered non-face authentication information to the server through the non-face authentication interface (2310).

According to an embodiment of the present invention, when the non-face authentication information includes at least one of encryption / decryption based authentication information, authorized certificate based authentication information, disposable password, transaction password, and account password, Facsimile authentication system 2190, and thus the present invention is not limited thereto.

The server then proceeds to settle the settlement amount through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 through the received non-face authentication information, (Or relay) the cash to the balance of the client account (or the cache operation account) and the balance of the bridged customer account to check the effectiveness of the non-face-to-face transaction (step 2315).

In a case where non-face authentication information associated with the non-face authentication system 2190 provided in the financial company is received according to an embodiment of the present invention, the server transmits the non-face authentication information to a non-face authentication system (2190) to settle the settlement amount through the remote account bridge between the affiliate cache system 2105 and the account system 2193 or to transmit the cache of the affiliate cache system 2105 to the client account (Or relaying) the balance of the customer account to the balance of the customer account and the balance of the bridge customer account to confirm the effectiveness of the non-face-to-face transaction.

According to another embodiment of the present invention, in the case of authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates an arbitrary authentication number and transmits it to the customer wireless terminal, Based authentication interface included in the account bridge-based cache payment interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, and transmits the authentication code to the affiliate cache system 2105 The settlement amount is paid through the remote account bridge between the accounting system 2193 or the cache of the affiliate cache system 2105 is replaced with the balance of the customer account (or the cache operation account) and the bridged customer account It is preferable to authenticate the non-face-to-face transaction validity for payment of the settlement amount.

According to another embodiment of the present invention, when non-face authentication information including ID / PW information registered in the affiliate cache system 2105 (or the account bridge system) is received, the server transmits the non- To settle the settlement amount through the remote account bridge between the affiliate cache system 2105 and the account system 2193 by comparing the ID / PW information stored in the member information D / B (not shown) It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the system 2105 with the balance of the customer account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount.

If the non-face-to-face transaction validity for account bridge-based cache settlement is not confirmed through the non-face authentication information (2320), the server transmits non-face authentication error information to the terminal via the communication channel (2325).

If the non-face-to-face transaction validity for the account bridge-based cache settlement is confirmed through the non-face authentication information (2320), the server transmits non-face authentication result information to the terminal through the communication channel (2330).

FIGS. 24A and 24B illustrate a cash settlement process of a withdrawal payment method after pre-booking through a remote account bridge between an affiliate cache system 2105 and an account system 2193 according to a second embodiment of the present invention.

24A and 24B are diagrams for explaining a case where the account bridge-based cash settlement interface is provided to the customer terminal 2195 through the account bridge-based cash settlement request process shown in FIG. 7, When the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface and the validity of the non-face trade for the account bridge-based cache settlement is authenticated through the non-face trade validation process shown in FIG. 8, (Or the affiliate cache system 2105), and generates the payment reservation information for the payment request in the account bridge server 2110 shown in FIG. (Or automatic acknowledgment), the affiliate cache system 2105 and the account system 21 93 to a payment process through the affiliate cache system 2105. Those skilled in the art will appreciate that the present invention can be implemented by referring to Figures 24a and 24b, It is possible to deduce various implementations of the cache settlement process of the withdrawal payment method after pre-booking through the remote account bridge between the affiliate cache system 2105 and the account system 2193. However, And is not limited to the method of operation shown in Figures 24a and 24b.

For example, if a person skilled in the art is familiar with the present invention, a cash settlement process (for example, settlement reservation information generation and storage process, A process in which the customer approval confirmation process is omitted), and the present invention is characterized in that it includes all the methods that can be inferred.

In the following figures 24A and 24B, the customer terminal 2195 shown in FIG. 6 is referred to as a "terminal" for convenience, and the account bridge server 2110 is referred to as a "server" for the sake of convenience.

Referring to FIGS. 24A and 24B, the customer terminal 2195 requests account bridge-based cache settlement through the account bridge-based cache settlement request process shown in FIG. 7, and the non-face transaction validity If the validity of the non-face-to-face transaction for the account bridge-based cache settlement is authenticated through the confirmation process, the server confirms whether account bridge-based cache settlement of the withdrawal settlement method after the pre-booking is requested (2400)

If a payment method other than the account bridge-based cash settlement of the withdrawal payment method after the pre-reservation is requested from the terminal (for example, a pre-payment method or an immediate payment method), the server responds to the requested payment method It is preferable to process the payment.

If the account bridge-based cache settlement request of the withdrawal settlement method is confirmed (2405), the server generates settlement reservation information for account bridge-based cache settlement of the settlement settlement method after the pre-reserving operation (2410).

According to the method of the present invention, the payment reservation information includes at least one of the reservation payment expiration date information, the automatic payment setting information, the payment instruction information, the customer authorization password, and the customer communication means information, The payment amount information included in the information (or the automatic charging amount information), the affiliate information, and the purchase item information.

Here, the scheduled payment expiration date information includes at least one of date information and time information for expiration of reservation payment of the withdrawal payment method after the pre-reservation, and after the expiration date of the reservation payment, It is preferable that the settlement process is automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , Payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that the payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or created), or the password of the member information registered through the information registration procedure such as the account registration system shown in FIG. 2 or registered in the affiliate server 2100 (or the affiliate cache system 2105) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the settlement reservation information is generated, the server associates the customer account (or the cache operation account) information with the automatic settlement amount information and the generated settlement reservation information and transmits the settlement reservation information to the account bridge D / B 2183 (or the affiliate cache system 2105) (2415).

Then, the server checks the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105) The customer approval for the reservation payment is confirmed at least once through the payment reservation information (2420).

According to the embodiment of the present invention, the server confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105) (Or message) including payment instruction information included in the payment reservation information at least once before the payment expiration date and time, and a password input interface for inputting and transmitting the customer approval password, To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the client approval request information (or message) is transmitted to the customer communication means, the server transmits the request to the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, (Or a terminal using a messenger) received via the password input interface, and transmits the received customer approval password to the account bridge D / B 2183 (or the affiliate cache system 2105) It is preferable to confirm the customer approval for settlement processing of the settlement amount through the remote account bridge between the affiliate cache system 2105 and the account system 2193 by comparing with the customer approval password of the reservation information.

If the customer approval for the reservation payment is not confirmed 2425, the server, in association with the account bridge D / B 2183 (or the affiliate cache system 2105), transmits the reservation payment expiration date and time It is determined whether the settlement date and time have elapsed or not in step 2430. If the expiration date and time of the reservation payment has elapsed in step 2435, the account bridge D / B 2183 (or the affiliate cache system 2105) The automatic payment processing information is read and automatic withdrawal or automatic approval of the reservation payment is confirmed (2440).

If the automatic canceling of the reservation payment is confirmed (2445), the server processes the payment cancellation information for the automatic cancellation by the affiliate cache system 2105 as payment history information (i.e., (2450), and transmits the payment history information to the customer communication means (2455).

On the other hand, if the customer approval for the reservation payment is confirmed (2435) or if the automatic approval for the reservation payment is confirmed (2445), the server transmits a remote account bridge between the affiliate cache system 2105 and the account system 2193 (Or the cash management account) information and the automatic charging amount information to the account relay server 2187 provided in the financial company (2460).

Thereafter, the server checks whether transaction history information on the automatic charging amount information is received from the account relay server 2187 provided in the financial institution (2465).

If the transaction history information on the charge amount information is received from the account relay server 2187 (2470), the server reads the transaction history information and confirms whether the transaction has been approved (2475).

If it is determined in step 2480 that the transaction approval information on the transaction history information is not confirmed in step 2480, the server processes transaction details including transaction unauthorized information in step 2485 as payment history information in the affiliate cache system 2105, , And transmits payment history information for the account bridge-based cash settlement to the customer communication means and outputs the payment history information to the customer communication means (2498).

On the other hand, if it is confirmed that the transaction details information is confirmed in step 2480, the server processes the transaction history information as the charge details of the affiliate cache system 2105 (step 2490) (For example, balances the cash balance) (2492) in the cash balance corresponding to the customer account (or the cache operational account) in association with the subscription cache system 2105 (2494) the payment amount through the cash balance including the automatic charging amount.

If the payment amount is paid through the cash balance including the automatic charging amount (2496), the server transmits the payment history information for the account bridge-based cash settlement to the customer communication means and outputs the payment history information (2498) .

FIGS. 25A and 25B are diagrams illustrating a cache settlement process of a pre-payout reservation payment method through a remote account bridge between the affiliate cache system 2105 and the account system 2193 according to the second embodiment of the present invention.

25A and 25B illustrate an account bridge-based cache settlement interface provided to the customer terminal 2195 through the account bridge-based cache settlement request process shown in FIG. 7, When the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface and the validity of the non-face trade for the account bridge-based cache settlement is authenticated through the non-face trade validation process shown in FIG. 8, The account broker server 2110 shown in FIG. 3B interworks with the account relay server 2187 provided in the financial institution to remotely bridge the affiliate cache system 2105 and the account system 2193 to withdraw the automatic charging amount from the customer account, After depositing (or transferring) the money to the management account, payment reservation information for the payment request is generated, and the account bridge D / B (Or the affiliate cache system 2105), and processes payment settlement through the affiliate cache system 2105 based on the customer approval (or automatic approval) for the payment reservation, Those skilled in the art will be able to refer to and / or modify the Figures 25a and 25b to determine whether a payment is made after the withdrawal via the remote account bridge between the affiliate cache system 2105 and the account system 2193 It will be appreciated that the present invention can be embodied in all modes of practicing the present invention and is not limited to the methods shown in Figures 25a and 25b.

For example, if a person skilled in the art is familiar with the present invention, the payment settlement process (for example, settlement reservation information creation and storage process, A process in which the customer approval confirmation process is omitted), and the present invention is characterized in that it includes all the methods that can be inferred.

Hereinafter, in the figures 25a and 25b, the customer terminal 2195 shown in FIG. 6 is referred to as a "terminal" for convenience, and the account bridge server 2110 is referred to as a "server" for the sake of convenience.

Referring to FIGS. 25A and 25B, the customer terminal 2195 requests an account bridge-based cache settlement through the account bridge-based cache settlement request process shown in FIG. 7, and the non-face transaction validity If the validity of the non-face-to-face transaction for the account bridge-based cache settlement is authenticated through the confirmation process, the server confirms whether account bridge-based cache settlement of the pre-

If a payment method other than the account bridge-based cash settlement of the post-withdrawal payment method is requested from the terminal (for example, a prepaid settlement method or an immediate payment method), the server responds to the requested payment method It is preferable to process the payment.

If the account bridge-based cache settlement request of the post-withdrawal payment method is confirmed 2505, the server notifies the client account (or cache 2210) via the remote account bridge between the affiliate cache system 2105 and the account system 2193 And the automatic charging amount information to the account relay server 2187 provided in the financial institution (step 2510).

Thereafter, the server checks whether transaction history information on the automatic charging amount information is received from the account relay server 2187 provided in the financial institution (step 2515).

If the transaction history information on the charge amount information is received from the account relay server 2187 in step 2520, the server reads the transaction history information and confirms whether the transaction has been approved in step 2525.

If it is determined in step 2530 that the transaction approval information on the transaction history information is not confirmed, the server processes the transaction history including the transaction unauthorized information as payment history information by the affiliate cache system 2105 (step 2535) , And transmits payment history information for the account bridge-based cash settlement to the customer communication means and outputs the payment history information to the customer communication means (2540).

On the other hand, if the approval of the transaction details is confirmed (2530), the server generates payment reservation information for payment of an account bridge-based cache of the pre-payment method (2545).

According to the method of the present invention, the payment reservation information includes at least one of the reservation payment expiration date information, the automatic payment setting information, the payment instruction information, the customer approval password, and the customer communication means information, The payment amount information included in the information (or the automatic charging amount information), the affiliate information, and the purchase item information.

Here, the scheduled payment expiration date information includes at least one of date information and time information for expiration of reservation payment of the pre-payment method after the pre-payment, and after the expiration date of the reservation payment, It is preferable that the settlement process is automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , Payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that the payment processing through the remote account bridge between the affiliate cache system 2105 and the accounting system 2193 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or created), or the password of the member information registered through the information registration procedure such as the account registration system shown in FIG. 2 or registered in the affiliate server 2100 (or the affiliate cache system 2105) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the settlement reservation information is generated, the server associates the customer account (or the cache operation account) information with the automatic settlement amount information and the generated settlement reservation information and transmits the settlement reservation information to the account bridge D / B 2183 (or the affiliate cache system 2105) (2550).

Then, the server checks the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105) The customer approval for the reservation payment is confirmed at least once through the payment reservation information (2555).

According to the embodiment of the present invention, the server confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 2183 (or the affiliate cache system 2105) (Or message) including payment instruction information included in the payment reservation information at least once before the payment expiration date and time, and a password input interface for inputting and transmitting the customer approval password, To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the client approval request information (or message) is transmitted to the customer communication means, the server transmits the request to the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, (Or a terminal using a messenger) received via the password input interface, and transmits the received customer approval password to the account bridge D / B 2183 (or the affiliate cache system 2105) It is preferable to confirm the customer approval for settlement processing of the settlement amount through the remote account bridge between the affiliate cache system 2105 and the account system 2193 by comparing with the customer approval password of the reservation information.

If the customer approval for the reservation payment is not confirmed at step 2560, the server, in association with the account bridge D / B 2183 (or the affiliate cache system 2105) (2565). If the reservation payment expiration date and time has elapsed (2570), it is checked whether or not the reservation bridge D / B 2183 (or the affiliate cache system 2105) The automatic payment processing information is read and automatic cancellation or automatic approval of the reservation payment is confirmed (2575).

If the automatic cancellation of the reservation payment is confirmed (2580), the server processes the transaction details information included in the payment reservation information in response to the automatic cancellation to the refund details of the affiliate cache system 2105 (2582 ), And transmits the refund history information to the customer communication means (2584).

If the customer approval for the reservation payment is confirmed 2560 or the automatic approval for the reservation payment is confirmed 2580, the server transmits the account bridge D / B 2183 (or the affiliate cache system 2105) (2586), the transaction history information is processed as the charge details of the affiliate cache system 2105 and applied (2588), and the affiliate cache system 2105 (For example, balances the cash balance) (2590) in the cash balance corresponding to the customer account (or the cache operation account) in association with the affiliate cache system 2105 (2592) the payment amount through the cash balance including the automatic charging amount.

If the settlement amount is paid through the cash balance including the automatic charging amount (2594), the server transmits the payment history information for the account bridge-based cash settlement to the customer communication means (2596) .

FIG. 26 is a diagram illustrating a remote account bridge-based cash settlement system between an accounting system 2665 and an affiliate cache system 2605 according to a second embodiment of the present invention.

In more detail, FIG. 26 illustrates an example in which a customer terminal 2670 accesses an affiliate server 2600 having an affiliate cache system 2605 to purchase one or more types or intangible goods, When the account bridge server 2610 shown in FIG. 17 or FIG. 21 transmits the client account (or cache operation account) information and the automatic charge amount information by requesting payment through the affiliate cache system 2605, A transaction request telegram for confirming the customer account (or the cache operation account) information and the bridged customer account information, withdrawing the automatic charging amount from the customer account, and depositing (or transferring) the money to the partner's fund management account, To the account system 2665 to withdraw the automatic charging amount from the customer account and deposit (or transfer) the automatic charging amount to the partner's financial account (Or transfer) transaction information to the account bridge server 2610 in response to the deposit (or transfer) transaction after processing the financial transaction to which the present invention belongs. It will be appreciated that various implementations of the remote account bridge-based cash settlement system configuration between the accounting system 2665 and the affiliate cache system 2605 may be conceived and / or modified by reference to and / All of the above-described embodiments are included, and the present invention is not limited to the method shown in FIG.

26, a remote account bridge-based cash payment system between the accounting system 2665 and the affiliate cache system 2605 comprises one or more browser programs, A customer terminal 2670 connected to a communication network and connected to the customer terminal 2670 through the communication network 2600. When the customer terminal 2670 accesses the customer terminal 2670 through the communication network, Based on the funds deposited in the funds management account of the non-financial partners established in the financial corporation, the affiliate server 2600 that sells the products of the affiliate server 2600, An affiliate cash system 2605 for processing the purchase price of the purchased product at the customer terminal 2670, The customer terminal 2670 may include an account bridge based cache payment interface for account bridge based cash settlement to the customer terminal 2670. The customer terminal 2670 may provide the settlement request information through the account bridge- The account bridge server 2610 transmits the customer account (or the cache operation account) information and the automatic charge amount information to the account relay server 2620 provided in the financial company through the payment request information, (Or a functional name of the account bridge system), information of the customer account (or the cache operational account) and the bridged customer account information, withdraws the automatic charging amount from the customer account, and transfers the automatic charging amount to the partner's financial account (Or transfer) a transaction request message to the accounting system 2665, (Or transferring) the transaction information to the account bridge server 2610 after processing the financial transaction for withdrawing the automatic recharging amount and depositing (or transferring) the automatic recharging amount to the fund management account of the affiliate And an account system 2665 for operating the relay server 2620 (= functional name of the account relay system), the money management account of the non-financial affiliate, and one or more customer accounts.

26, the account relay server 2620 is shown as a single server for the sake of convenience. However, the present invention is not limited thereto, and the account relay server 2620 may include at least two The present invention can be implemented in the form of a server group.

That is, the account relay server 2620 corresponds to the functional name of the account relay system shown in FIG. 1, and it is made clear that the account name is not limited to a physical name.

The client terminal 2670, the affiliate server 2600, the affiliate cache system 2605 and the account bridge server 2610 refer to the contents shown in FIG. 17 or FIG. 21, The description will be omitted for convenience.

According to the embodiment of the present invention, the account relay server 2620 stores the affiliate information, the customer account (or cache operation account) information and the customer account information registered through the account registration system shown in FIG. 2 in association with each other , An account relay D / B 2660 for storing one or more customer personal information and customer wireless terminal information in association with each other, or interworking through a network, and the account relay D / (Or a cache operating account) and further stores the customer account balance information for the bridged customer account in association with the customer account (or the cash management account of the non-financial partner) It is preferable to further store the charge setting amount information and the withdrawal limit amount information corresponding to the remotely bridged customer account information in association with each other The.

Here, it is preferable that the funds management account information is account information of a name of a non-financial affiliate operating the funds of the affiliate cache system 2605, and the funds management account is opened in the account system 2665.

According to another embodiment of the present invention, the fund management account can be opened in the external accounting system 2665, and thus the present invention is not limited thereto.

Preferably, the account balance information includes a balance amount of a customer account opened in the account system 2665, and the account relay server 2620 associates the account balance with the account system 2665 It is desirable to update the customer account balance periodically (or in response to a customer account balance change event via account system 2665).

If the account relay server 2620 queries the customer account balance information in real time in association with the account system 2665, the account balance information may be omitted in the account relay D / B 2660, The present invention is not limited thereto.

The charge setting amount information is used when the non-financial affiliate withdraws from the customer account (or the cache operation account) and the bridged customer account at the payment processing of the payment amount using the affiliate cache system 2605, The account relay D / B 2660 may include an amount set to deposit (or transfer) the money to the account management account, and when the account bridge D / B is provided on the account bridge D / B 2660 shown in FIG. The charge setting amount information may be omitted, and thus the present invention is not limited thereto.

The charging ceiling amount information is obtained by withdrawing the charging ceiling amount information from the customer account (or the cache operational account) and the bridged customer account at the time of payment processing of the settlement amount using the affiliate cache system 2605 by the non- The amount of money to be deposited (or transferred) to the fund management account is preferably a sum of at least one of a ceiling amount, a daily ceiling amount, a weekly ceiling amount, and a monthly ceiling amount.

Referring to FIG. 26, when the account relay server 2620 transmits the customer account (or cache operation account) information and the automatic charge amount information in the account bridge server 2610 shown in FIG. 17 or FIG. 21, An information receiving unit 2625 (or an information receiving means) for receiving the customer account (or the cache operation account) information and the automatic charge amount information and the customer account (or the cache operation account information) An account checking unit 2630 (or an account checking means) for confirming information of the operating account and the bridged customer account information, and confirming information on the operating account of the affiliate associated with the customer account (or the cache operating account) A professional generating unit 2640 (or professional generating means) for generating a transaction request message for withdrawing the automatic charging amount from the customer account and depositing (or transferring) the automatic filling amount to the partner's financial account, A transaction processing unit 2645 (or a transaction processing unit 2660) for processing a financial transaction for providing the account request system to the accounting system 2665 to withdraw the automatic charging amount from the customer account and transfer (or transfer) (Or history) generating unit 2650 (or history generating means) for generating transaction history information corresponding to the depositing (or transferring) transaction based on the transaction result information confirmed by the accounting system 2665, And a history transmission unit 2655 (or a history transmission means) for transmitting the generated transaction history information to the account bridge server 2610. The client account (or cache operation account) information and the bridge And a transaction validity checking unit 2635 (or a transaction validity checking unit) for confirming the transaction validity with respect to the customer account.

When the account bridge server 2610 shown in FIG. 17 or FIG. 21 transmits the client account (or cache operation account) information and the automatic charge amount information for the account bridge-based settlement processing, the information receiver 2625 transmits (Or cache operating account) information and automatic charging amount information from the account bridge server 2610. The information receiving unit 2625 may be an external system provided in the financial institution, It is preferable to receive the customer account (or the cache operational account) information and the automatic charging amount information.

According to an embodiment of the present invention, the information receiving unit 2625 receives the client account (or cache operation account) information and the automatic charging amount information through the communication network connecting the account bridge server 2610 and the account relay server 2620 It is preferable to receive the information.

According to another embodiment of the present invention, the information receiver 2625 receives the client account (or the cache operation account) via the gateway 2615 that relays the account bridge server 2610 and the account relay server 2620, It is possible to receive the information and the automatic charging amount information, and thus the present invention is not limited thereto.

Here, the customer account information includes a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 2605 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 2605. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The automatic charging amount information includes an amount to be withdrawn from the client account (or the cache operation account) bridged for the account bridge-based settlement processing and to be deposited (or transferred) to the money management account of the affiliate desirable.

According to an embodiment of the present invention, the account bridge server 2610 shown in FIG. 17 or FIG. 21 is confirmed through the non-face authentication system of the financial institution for account bridge-based payment processing, It is preferable that the non-face authentication result information confirmed by the wireless authentication means is further transmitted. In this case, the information receiving unit 2625 preferably further receives the non-face authentication result information from the account bridge server 2610 .

According to the method of the present invention, the account bridge server 2610 shown in FIG. 17 or FIG. 21 can further transmit the non-face authentication information received from the customer terminal 2670 for account bridge-based payment processing Face authentication information, and in this case, the information receiving unit 2625 preferably receives the non-face-to-face authentication information, and the transaction validity checking unit 2635 associates the non-face- It is desirable to check the transaction validity of the account bridge-based payment processing.

According to the method of the present invention, the account bridge server 2610 shown in FIG. 17 or FIG. 21 can transmit only the client account (or cache operation account) information for account bridge-based payment processing, The information receiving unit 2625 preferably receives the customer account (or cache operation account) information from the account bridge server 2610 and the account checking unit 2630 receives the customer account And the account relay server 2620 checks at least one of the customer account balance information, the charge setting amount information, and the withdrawal limit amount information for the customer account information, And an information transmitting unit for transmitting the information to the information processing unit 2610.

When the customer account (or cache operation account) information and the automatic charge amount information are received through the information receiving unit 2625, the account checking unit 2630 checks the account information (Or cache operating account) information and bridged customer account information.

In addition, the account checking unit 2630 confirms the affiliate information associated with the customer account (or cache operation account) information in association with the account relay D / B 2660, and the affiliate information associated with the affiliate information The account information of the fund management server is confirmed.

When the customer account information is confirmed through the account checking unit 2630, the transaction validity checking unit 2635 checks the account relay D / B 2660 (or the accounting system 2665 in which the customer account is established) And compares the automatic charging amount information with the customer account balance to process the transaction validity if the customer account balance is larger than the automatic charging amount.

In addition, the transaction validity checking unit 2635 confirms the withdrawal limit amount information for the customer account in connection with the account relay D / B 2660, compares the automatic withdrawal amount information with the withdrawal limit amount, If the withdrawal limit amount is larger than the automatic recharging amount, it is regarded that the transaction validity is confirmed.

When the non-face authentication result information is received from the account bridge server 2610 through the information receiving unit 2625 according to the embodiment of the present invention, the transaction validity checking unit 2635 reads the non-face authentication result information It is preferable to confirm the transaction validity of the account bridge-based settlement processing.

Alternatively, when the non-face authentication information is received through the information receiving unit 2625, the transaction validity checking unit 2635 determines whether the account bridge-based payment processing is performed through the non-face authentication information in cooperation with the non- It is desirable to confirm the effectiveness of the transaction.

When the customer account information (or the cache operation account) and the bridged customer account information are confirmed through the account identification unit 2630 and the information on the account operation account of the affiliate company is confirmed, the professional creation unit 2640 registers the customer account (Or transfer) the automatic recharging amount from the affiliate company to the fund management account of the affiliate. The transaction request telegram includes a professional structure recognizable by the accounting system 2665 .

Those skilled in the art will appreciate the specialized structure defined in the accounting system for individual financial institutions (2665), and a detailed description thereof will be omitted for the sake of convenience.

When the transaction request specialist is configured through the professional generating unit 2640, the transaction processor 2645 provides the transaction request telegram to the accounting system 2665 to withdraw the automatic charging amount from the customer account (Or transfer) the financial transaction to the affiliate financial transaction account, and receives the transaction result information corresponding to the transaction request telegram from the accounting system 2665.

The history generating unit 2650 generates transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information confirmed from the accounting system 2665.

Here, the transaction history information may include an information structure capable of easily changing (or replacing) the charging history information provided in the affiliate cache system 2605 bridged with the accounting system 2665 remotely.

For example, when the account relay server 2620 cooperates with an account bridge server 2610 linked to two or more affiliate cache systems 2605, the history generating unit 2650 generates a history It is possible to check the account bridge server 2610 and the affiliate cache system 2605 that have transmitted the account (or the cache operating account) information and to easily change (or replace) the charging history information by the confirmed affiliate cache system 2605 It is preferable to generate transaction history information including the information configuration.

When the transaction history information is generated, the history transmission unit 2655 transmits the generated transaction history information to the account bridge server 2610. In response to the transaction history information, the account bridge server 2610 It is preferable to receive the transaction history information and apply the received transaction history information to the affiliate cache system 2605 by processing the charge history of the affiliate cache system 2605.

FIG. 27 is a diagram illustrating a remote account bridge-based cache settlement process between the accounting system 2665 and the affiliate cache system 2605 according to the second embodiment of the present invention.

In more detail, FIG. 27 is a flow chart illustrating an example of an operation of accessing an affiliate server 2600 having an affiliate cache system 2605 in the customer terminal 2670, purchasing one or more types or intangible goods, (Or cache operation account) information and automatic charge amount information from the account bridge server 2610 shown in FIG. 17 or FIG. 21 by requesting payment through the affiliate cache system 2605, The account relay server 2620 shown in FIG. 26 confirms the customer account (or the cache operation account) information and the bridged customer account information, withdraws the automatic charging amount from the customer account, (Or transfer) a transaction request message to the accounting system 2665 and provide the automatic charging amount from the customer account The transaction history information corresponding to the deposit (or transfer) transaction is processed by the account bridge server 2610 shown in FIG. 17 or FIG. 21 after processing the financial transaction for depositing (or transferring) 27, a remote account bridge between the accounting system 2665 and the affiliate cache system 2605 can be implemented by referring to and / or modifying FIG. 27, Based cash settlement process. However, the present invention encompasses all of the above-described embodiments and is not limited to the method shown in FIG. 27.

Hereinafter, in FIG. 27, the account relay server 2620 shown in FIG. 26 is referred to as a "server" for the sake of convenience.

The customer terminal 2670 accesses the affiliate server 2600 having the affiliate cache system 2605 to purchase at least one type or intangible commodity and transmits a purchase price for the purchased commodity to the affiliate cache system 2605 (Or the cache operation account) information and the automatic charge amount information from the account bridge server 2610 shown in FIG. 17 or FIG. 21 by requesting payment through the account of the affiliate The server receives the customer account (or cache operation account) information and the automatic charge amount information from the server 2610 (step 2700).

Here, the customer account information includes a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 2605 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 2605. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The automatic charging amount information includes an amount to be withdrawn from the client account (or the cache operation account) bridged for the account bridge-based settlement processing and to be deposited (or transferred) to the money management account of the affiliate desirable.

According to an embodiment of the present invention, the account bridge server 2610 shown in FIG. 17 or FIG. 21 is confirmed through the non-face authentication system of the financial institution for account bridge-based payment processing, It is preferable that the non-face authentication result information confirmed by the wireless authentication means is further transmitted. In this case, the account relay server 2620 preferably further receives the non-face authentication result information from the account bridge server 2610 Do.

According to the method of the present invention, the account bridge server 2610 shown in FIG. 17 or FIG. 21 can further transmit the non-face authentication information received from the customer terminal 2670 for account bridge-based payment processing In this case, the account relay server 2620 receives the non-face authentication information and confirms the transaction validity of the account bridge-based payment processing through the non-face authentication information in cooperation with the non-face authentication system of the financial company .

According to the method of the present invention, the account bridge server 2610 shown in FIG. 17 or FIG. 21 can transmit only the client account (or cache operation account) information for account bridge-based payment processing, The account relay server 2620 receives the client account (or cache operation account) information from the account bridge server 2610 and verifies the client account (or cache operation account) information and the bridged customer account information, It is preferable that at least one of the customer account balance information, the charge setting amount information, and the withdrawal limit amount information of the customer account information is transmitted to the account bridge server 2610.

When the client account (or the cache operation account) information and the automatic charge amount information are received, the server confirms the client account (or the cache operation account) information and the bridged customer account information, (2705) of the affiliated company's financial account information associated with the information.

According to an embodiment of the present invention, the server preferably confirms the client account (or cache operation account) information and the bridged customer account information in association with the account relay D / B 2660.

Also, the server confirms the affiliate information associated with the client account (or the cache operation account) information in association with the account relay D / B 2660, and stores the affiliate company's financial account information of the affiliate associated with the affiliate information It is desirable to confirm.

If the customer account information and the account information of the affiliated company are confirmed (2710), the server confirms the transaction validity of the customer account (or cache operation account) information and the bridged customer account (2715) Face transaction validation for the account bridge-based cache settlement is authenticated by the account bridge server 2610 of the account bridge server 2610.

According to the method of the present invention, the server checks the customer account balance in connection with the account relay D / B 2660 (or the account system 2665 in which the customer account is established) And compares the customer account balance with the automatic account balance to process the transaction validity as confirmed if the customer account balance is greater than the automatic charging amount.

Also, the server confirms the withdrawal limit amount information for the customer account in connection with the account relay D / B 2660, compares the automatic withdrawal amount information with the withdrawal limit amount, It is preferable to process the transaction as if the transaction validity has been confirmed.

When the non-face authentication result information is received from the account bridge server 2610 according to the embodiment of the present invention, the server reads the non-face authentication result information and confirms transaction validity of the account bridge-based payment processing .

Alternatively, when non-face authentication information is received from the account bridge server 2610, the server checks the transaction validity of the account bridge-based payment processing through the non-face authentication information in cooperation with the non-face authentication system of the financial institution .

If the transaction validity is not confirmed (2720), the server generates transaction history information including the account validity error information corresponding to the transaction validity result (2725), and transmits the transaction history information to the account bridge of the affiliate To the server 2610 (2760).

On the other hand, if the transaction validity is not confirmed (2720), the server generates (or configures) a transaction request message for withdrawing the automatic charging amount from the customer account and depositing (or transferring) the money to the partner's financial account 2730).

Here, the transaction request telegram may include a professional structure recognizable by the accounting system 2665.

Those skilled in the art will appreciate the specialized structure defined in the accounting system for individual financial institutions (2665), and a detailed description thereof will be omitted for the sake of convenience.

If a transaction request message for withdrawing the automatic charging amount from the customer account and depositing (or transferring) the automatic filling amount to the partner's financial account is generated (2735), the server transmits the transaction request message to the accounting system 2665 (2740), a financial transaction for withdrawing the automatic recharging amount from the customer account and depositing (or transferring) the recharging amount to the partner's fund management account is processed.

If the financial transaction for withdrawing (or transferring) the automatic recharge amount from the customer account in the account system 2665 and depositing (or transferring) the recharge amount to the account of the affiliated company is processed (2745), the server receives from the account system 2665 The transaction result information corresponding to the transaction request telegram is received (2750), and transaction history information corresponding to the deposit (or transfer) transaction is generated based on the received transaction result information (2755).

Here, the transaction history information may include an information structure capable of easily changing (or replacing) the charging history information provided in the affiliate cache system 2605 bridged with the accounting system 2665 remotely.

For example, when the account relay server 2620 cooperates with an account bridge server 2610 linked to two or more affiliate cache systems 2605, the history generating unit 2650 generates a history It is possible to check the account bridge server 2610 and the affiliate cache system 2605 that have transmitted the account (or the cache operating account) information and to easily change (or replace) the charging history information by the confirmed affiliate cache system 2605 It is preferable to generate transaction history information including the information configuration.

Thereafter, the server transmits the generated transaction history information to the account bridge server 2610 of the affiliated company (2760).

FIG. 28 is a diagram illustrating a remote account bridge-based cash settlement system between an affiliate cache system 2805 and an account system 2890 according to a third embodiment of the present invention.

In more detail, FIG. 28 illustrates a method for accessing an affiliate server 2800 having an affiliate cache system 2805 at a customer terminal 2895 to purchase one or more types or intangible goods, Based cash settlement interface for the account bridge based cash settlement to the customer terminal 2895 when the customer terminal 2895 requests payment through the affiliate cache system 2805. The customer terminal 2895 provides the account bridge based cache When the payment request information is inputted (or selected) through the payment interface, the affiliate cash system 2805 provided in the non-financial affiliate through the payment request information and the accounting system 2890 provided in the financial company are remotely connected to the bridge The settlement amount corresponding to the purchase amount is paid out, and specifically, If the cash balance is larger than the settlement amount at the time of payment processing through the cash balance corresponding to the client account (or the cache operation account) of the cache system 2805, the settlement processing unit 254 processes the settlement amount through the cash balance, (Or relay) the customer account (or the cache operation account) provided in the affiliate cache system 2805 to the customer account (or the cache operation account) and the bridge customer account, And the settlement processing result is reflected in the affiliate cache system 2805. [0150]

Those skilled in the art will be able to refer to and / or modify this drawing 28 to provide a variety of remote account bridge-based cash settlement system configurations between the affiliate cache system 2805 and the account system 2890 It should be understood that the invention encompasses all such contemplated embodiments and is not intended to be limited to the embodiment shown in FIG.

28, a remote account bridge-based cash settlement system between the affiliate cache system 2805 and the account system 2890 includes one or more browser programs, A customer terminal 2895 connected to a communication network and connected to the customer terminal 2895 through the communication network 2895. When the customer terminal 2895 accesses the customer terminal 2895 through the communication network, Based on the funds deposited in the fund management account of the non-financial partners established in the financial company, the affiliate server 2800 that sells the products of the affiliate company 2800, An affiliate cash system 2805 for processing a purchase price of the purchased product in the customer terminal 2895 through the affiliate cache system 2805; The customer terminal 2895 provides an account bridge-based cash settlement interface for account bridge-based cash settlement and requests settlement request information from the customer terminal 2895 through the account bridge-based cash settlement interface The cash balance is compared with the payment amount, and if the cash balance is larger than the payment amount, the payment amount is paid through the cash balance. If the cash balance is insufficient, (Or relay) the customer account (or the cache operation account) provided in the cache system 2805 to the customer account (or the cache operation account) and the bridged customer account to settle the settlement amount by the account transfer method, An account bridge server 2810 for reflecting the payment processing result to the affiliate cache system 2805 (= And an account relay server 2883 (= a functional name of the system) provided in the financial institution to interwork with the account bridge server 2810 for remote account bridge-based cash settlement between the affiliate cache system 2805 and the account system 2890. [ And an account system 2890 for operating a bank account of the non-financial affiliate and at least one customer account.

However, the present invention is not limited thereto. The account bridge server 2810 may include at least two or more servers for each component, The present invention can be implemented in the form of a server group.

That is, the account bridge server 2810 corresponds to the functional name of the account bridge system shown in FIG. 1, and it is made clear that the account bridge server 2810 is not limited to the physical name.

The customer terminal 2895 may be connected to the Internet through a wired communication network (e.g., ADSL (Asymmetric Digital Subscriber Line) / VDSL (Very High Data Rate Digital Subscriber Line) based on Transmission Control Protocol / Internet Protocol A mobile communication terminal connected to a CDMA (Code Division Multiple Access) based mobile communication network, or a wired terminal including a desktop computer or a notebook communicatively connected to the account bridge server 2810, A wireless terminal including at least one portable Internet terminal connected to an 802.16x-based high-speed wireless Internet, or an IP-TV capable of bidirectional communication through any one of the wired communication network or the wireless communication network, Or at least one TV apparatus (not shown) including at least one digital TV or DMB And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Those skilled in the art will appreciate the technical characteristics of the customer terminal 2895 including one or more of the wired terminal or wireless terminal or TV device (not shown) The detailed description will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 2810 includes at least one web page source for generating (or extracting) a web page to be provided to the customer terminal 2895, and web page operation data The database is provided in a database management system (DBMS) connected to the account bridge server (2810).

According to an embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings (e.g., 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 contents of the web page. In this case, the web page provided to the customer terminal 2895 may include And a combination of a tag string (or a combination of tag strings).

According to another embodiment of the present invention, the web page source included in the web page operation data includes a web document source file corresponding to a web page to be provided to the customer terminal 2895 from the account bridge server 2810 For example, the web page provided to the customer terminal 2895 may include one or more tag strings, a script, and a web document source file including information content corresponding to the web page contents. In this case, In the case of a web document source file (e.g., a web page source file in the case of a web page without a frame, or a web page composed of two or more frames, one web document source file and two or more web documents Source file) is extracted.

The web content included in the web page management data includes a tag string that links one or more contents (e.g., text content, image content, sound content, multimedia content) among the tag strings included in the web page , One or more text content corresponding to a tag string linking the content, image content, sound content, and multimedia content.

According to another embodiment of the present invention, the web page operation data may be transmitted to the customer terminal 2895 in addition to the account bridge server 2810 in accordance with a location for providing an account bridge-based cache payment interface for settlement of the account bridge- The affiliate server 2800, the affiliate cache system 2805 and the gateway 2880. The present invention can be applied to the affiliate server 2800, the affiliate cache system 2805 ), And gateway 2880, all of which are incorporated herein by reference in their entirety.

According to an embodiment of the present invention, the account bridge server 2810 stores the customer account (or the cache operational account) information registered through the account registration system shown in FIG. 2 in association with the customer account information, The account bridge D / B 2877 preferably includes an account bridge D / B 2877 for storing one or more pieces of information related to the customer's wireless terminal information, or the account bridge D / Or the cash balance information corresponding to the cash account information corresponding to the customer account information that is remotely bridged with the customer account (or the cache operation account), or further stores the recommended withdrawal amount information and the withdrawal limit amount information corresponding to the customer account information remotely bridged to the customer account It is preferable to store them in association with each other.

Here, the cache balance information includes the balance information of the cache for storing, recording, and managing, through the client account (or the cache operation account), the amount deposited in the funds management account in the affiliate cache system 2805 desirable.

According to the embodiment of the present invention, the cash balance information is a balance obtained by subtracting a cache corresponding to a payment history from a cache corresponding to a charging account corresponding to a customer account (or a cache operating account) of the affiliate cache system 2805 In FIG. 28, since the cash balance is not pre-charged separately, the customer account (or the cache operational account) and the client account that is bridged in the previous settlement process are not withdrawn more than the amount required for settlement , The cache balance preferably includes '0'.

According to another embodiment of the present invention, when the account balance server 2810 confirms the cash balance through the affiliate cache system 2805, the cash balance information may be omitted in the account bridge D / B 2877 The present invention is not limited thereto.

The recommended withdrawal amount information is used when the non-financial affiliate withdraws from the client account (or the cache operational account) and the bridge customer account at the payment processing of the payment amount using the affiliate cache system 2805, As an amount recommended to be deposited (or transferred) 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 2810, It is optional.

The withdrawal amount limit information is used when the non-financial affiliate withdraws from the client account (or the cache operational account) and the bridge customer account at the settlement processing of the settlement amount using the affiliate cache system 2805, The withdrawal limit amount includes a limit amount of at least one of a one-time limit amount, a daily limit amount, a week limit limit amount, and a monthly limit amount, which is a limit amount to be deposited (or transferred) into the fund management account.

If the recommended withdrawal amount information and the withdrawal limit amount information are stored in the account relay D / B provided in the financial institution, the recommended withdrawal amount information and the withdrawal limit amount information are stored in the account bridge D / B 2877 The present invention is not limited thereto.

Referring to FIG. 28, the account bridge server 2810 provides a web page to a customer terminal 2895 using an HTTP compatible protocol corresponding to the communication network, or a web page provided to the customer terminal 2895 And a web interface unit 2815 for connecting and managing a web interface for receiving various information input (or selected) by the customer terminal 2895 in a GET / POST manner.

According to an embodiment of the present invention, when the customer terminal 2895 is a wired terminal through which a communication channel is connected through a wired communication network based on TCP / IP, the web interface unit 2815 connects the customer terminal 2895 and the TCP / (Eg, * .htm, * .asp, * .xml) to the customer terminal (2895) through the communication channel by connecting and managing the communication channel through the IP-based HTTP protocol, ) Type web page is provided or the information input from the customer terminal 2895 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, when the customer terminal 2895 is a wireless terminal connected with a communication channel through a CDMA / WCDMA based wireless communication network, the web interface unit 2815 transmits the CDMA / (E.g., WAP (Wireless Application Protocol) or ME (Mobile Explorer)) corresponding to the WCDMA / WCDMA-based wireless internet protocol and connects the communication channel through the communication channel to the customer terminal 2895 (For example, * .wml, * .htm) to provide a web page in the form of an HTML compatible document, or to interface the information input from the customer terminal 2895 to be received in a GET / POST manner .

According to another embodiment of the present invention, when the customer terminal 2895 is a wireless terminal connected with a communication channel through an IEEE 802.16 based wireless communication network, the web interface unit 2815 connects the customer terminal 2895 with the IEEE (E.g., * .htm, *. Asp, *. Asm) to the customer terminal 2895 through the communication channel through the HTTP compatible protocol corresponding to the 802.16x based wireless internet protocol. xml) is provided or the information input from the customer terminal 2895 is interfaced to be received in a GET / POST manner.

According to another embodiment of the present invention, the web interface unit 2815 transmits the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 2895 according to the location of the account bridge server 2810 The web interface unit 2815 may be provided in any one of the affiliate server 2800, the affiliate cache system 2805 and the gateway 2880 in addition to the affiliate server 2800, The cache system 2805, and the gateway 2880. It should be noted that the present invention is not limited to the above embodiments.

Referring to FIG. 28, the customer terminal 2895 accesses an affiliate server 2800 having an affiliate cache system 2805 to purchase at least one type or an intangible commodity, and calculates a purchase price for the purchased commodity Upon requesting payment through the affiliate cache system 2805, the account bridge server 2810 generates (or extracts) a web page to be provided to the customer terminal 2895 based on the web page operation data The web page operation unit 2820 (or the web page operation unit) and the account bridge-based cache settlement unit 2820 for the account bridge-based cache payment in the web page generated (or extracted) in association with the web page operation unit 2820 And an interface providing unit 2825 (or an interface providing unit) including an interface, wherein the web page operating unit 2820 is a web browser, In conjunction with the interface unit (2815) to a Web page that the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (2895).

According to another embodiment of the present invention, the web page operating unit 2820 and the interface providing unit 2825 may provide the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 2895 The affiliate cache system 2805 and the gateway 2880 in addition to the account bridge server 2810 according to the present invention and the web page operation unit 2820 of the present invention can be provided in the affiliate server 2800, And the interface providing unit 2825 are included in any one of the affiliate server 2800, the affiliate cache system 2805, and the gateway 2880.

The customer terminal 2895 accesses the affiliate server 2800 having the affiliate cache system 2805 to purchase one or more types or intangible goods and to make a settlement means The web page operating unit 2820 requests the settlement amount corresponding to the purchase price to be paid through the affiliate cache system 2805. The web page operating unit 2820 transmits the payment amount corresponding to the purchase price to the affiliate cache system 2805, Based payment processing between the account system 2890 and the account system 2890, and generates a web page corresponding to the confirmed web page link from the web page operation data (Or extracting) the web page content and the web content, and using the confirmed web page source and the web content, A web page to be provided in the customer terminal (2895) is characterized in that to generate (or extract).

When the web page operation unit 2820 generates (or extracts) a web page to be provided to the customer terminal 2895 for remote account bridge-based payment processing between the affiliate cache system 2805 and the account system 2890, The interface providing unit 2825 may include the account bridge-based cash settlement interface in the web page in association with the web page operating unit 2820 so as to be provided to the customer terminal 2895.

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, As a person skilled in the art, technical characteristics of a form form for inputting (or selecting) the payment request information in the customer terminal 2895 based on the information attribute of the payment request information are known In FIG. 28, a detailed form description corresponding to the account bridge-based cash settlement interface will be omitted for the sake of convenience.

The account bridge-based cash settlement interface preferably includes cash balance information corresponding to a customer account (or a cache operational account) of the affiliate cache system 2805, and displays a payment amount corresponding to the purchase price It is preferable that the customer account (or the cache operational account) information for the cash balance is further displayed, and further, shopping cart information for the purchased product is preferably included according to the intention of the person skilled in the art.

The account bridge-based cash settlement interface may be configured to send a client account (or a cache operational account) provided in the affiliate cache system 2805 to the client account (or cache operation account) And a withdrawal amount input interface for inputting withdrawal amount information for replacing (or relaying) the settlement amount with the account of the customer and the account amount of the account for payment processing of the settlement amount in the account transfer method. Further, The interface preferably displays the withdrawal amount information.

The account bridge-based cash settlement interface may be configured to settle the payment amount through a remote account bridge between the affiliate cache system 2805 and the account system 2890, Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face-to-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 2885 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 2885 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

Referring to FIG. 28, when the account bridge server 2810 generates (or extracts) the account bridge-based cache payment interface at the interface provider 2825, the client account of the affiliate cache system 2805 (For example, a cash balance is insufficient) for comparing the amount of money corresponding to the cash balance information with the settlement amount so as to settle the settlement amount through the cash balance, (Or a cache settlement validity checking means) for checking the validity of the cache settlement validity checking unit 2830 (or the cache settlement validity checking unit) And a payment processing unit 2835 (or a payment processing means) for processing the payment amount.

When the account provider 2825 generates (or extracts) the account bridge-based cache payment interface, the cache payment validity checking unit 2830 checks the account bridge D / B 2877 (or the affiliate cache system 2805) (Or the cache operational account) of the affiliate cache system 2805 in association with the customer account (or the cache operational account), and the cash balance information corresponding to the customer account And comparing the amount of money corresponding to the cash balance information with the payment amount to check the validity (e.g., insufficient cash balance) for processing the payment amount through the cash balance.

When the validity of the cache settlement is confirmed by the cache settlement validity checking unit 2830, the settlement processing unit 2835 performs payment processing of the settlement amount through the cash balance in cooperation with the affiliate cache system 2805 The affiliate cache system 2805 (or the payment processor 2835) provides a cash settlement interface for settlement of the settlement amount through the cash balance to the customer terminal 2895 desirable.

Those skilled in the art will appreciate the technical features of the cache settlement interface and the cache settlement process through the cache balance, and therefore, a detailed description thereof will be omitted for the sake of convenience.

Referring to FIG. 28, when the cache settlement validity determination unit 2830 determines that the cache settlement has not yet been validated (or the cache balance is insufficient), the interface providing unit 2825 transmits, to the account bridge- (Or relay) the customer account (or the cache operation account) provided in the customer account (or the cache operation account) provided in the customer account 2805 to the customer account (or the cache operation account) and the bridge customer account The account bridge server 2810 further includes a withdrawal amount input interface for inputting the amount information, and the account bridge server 2810 is configured to withdraw a withdrawal amount for confirming the recommended withdrawal amount for the customer account (or the cache operation account) An amount confirmation unit 2840 (or a withdrawal amount confirmation means), and the confirmed withdrawal amount information and the client account And an information display unit 2845 (or an information display unit) for displaying the cash balance information corresponding to the account balance-based cash settlement interface on the withdrawal amount input interface included in the account bridge-based cash settlement interface. The withdrawal amount confirmation unit 2840 and the information display unit 2845 may be omitted.

If the cache settlement validity is not verified by the cache settlement validity checking unit 2830 (for example, if the cache balance is insufficient), the interface providing unit 2825 transmits, to the account bridge- (Or relay) the customer account (or the cache operation account) provided in the customer account (or the cache operation account) provided in the customer account 2805 to the customer account (or the cache operation account) and the bridge customer account And a withdrawal amount input interface for inputting the amount information.

In addition, the withdrawal amount confirmation unit 2840 checks the withdrawal amount confirmation unit 2840 in accordance with the customer account (or the cache operation account) and the bridged customer account 2883 in cooperation with the account bridge D / B 2877 (or the account relay server 2883 provided in the financial company) The amount of the recommended withdrawal is checked.

When the cash balance information and the recommended withdrawal amount information corresponding to the customer account (or the cache operation account) are confirmed by the withdrawal amount confirmation unit 2840, the information display unit 2845 displays the customer account (or the cache operation account) And displays the cash balance information and the recommended withdrawal amount information corresponding to the account bridge-based cash settlement interface on the withdrawal amount input interface included in the account bridge-based cash settlement interface so as to be output through the customer terminal 2895.

According to an embodiment of the present invention, the information display unit 2845 displays the cash balance information and the recommended withdrawal amount information in a separate display area.

According to another embodiment of the present invention, the information display unit 2845 may add the recommended withdrawal amount information to the cash balance information, and display the cash balance information in an area for displaying the cash balance information.

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) of the cash balance, shopping cart information on the purchase item It is preferable to display one or more more.

Referring to FIG. 28, when the customer terminal 2895 transmits the payment request information through the payment request interface included in the account bridge-based cash settlement interface, the account bridge server 2810 receives the payment request information And an information receiving unit 2850 (or information receiving means) for receiving the information.

The customer terminal 2895 provided with the web page including the account bridge-based cash settlement interface inputs (or selects) the account withdrawal amount information through the withdrawal amount input interface included in the account bridge-based cash settlement interface, The information receiving unit 2850 receives the payment request information when the payment request information for the account bridge based cash settlement is transmitted through the payment request interface included in the account bridge based cash settlement interface.

According to the embodiment of the present invention, the payment request information includes at least one of the customer account (or the cache operation account) information, the payment amount information, the account withdrawal amount information, and the affiliate information for operating the affiliate cache system 2805 .

Herein, the customer account information includes a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 2805 As the number, the member ID information of the customer.

Alternatively, the cache operational account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 2805, and the account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

Preferably, the payment amount information includes purchase price information corresponding to a product that the customer terminal 2895 accesses to the affiliate server 2800, and the payment amount information for the cache- And cache information corresponding to a currency unit of the affiliate cache system 2805. [

The account withdrawal amount information is used to exchange (or relay) the customer account (or the cache operation account) provided in the affiliate cache system 2805 with the customer account (or the cache operation account) and the bridge customer account And an amount to be withdrawn from the customer account to settle the settlement amount.

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

In addition, it is preferable that the account withdrawal amount information does not exceed the customer account balance (or the withdrawal limit amount).

The affiliate information may include affiliate identification information corresponding to the affiliate server 2800 operating the affiliate cache system 2805. [

Referring to FIG. 28, when the account bridge server 2810 receives and transmits non-face authentication information through the non-face authentication interface included in the account bridge-based cache payment interface at the customer terminal 2895, (Or information receiving means) for receiving the face-to-face authentication information, and an information receiving unit 2850 (or information receiving means) for receiving the face-to-face authentication information and the settlement amount through the remote account bridge between the affiliate cache system 2805 and the account system 2890 (Or relaying) the cache of the affiliate cache system 2805 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the non-face-to-face transaction validity And a transaction authentication processing unit 2855 (or transaction authentication processing means) for authenticating the transaction.

Face authentication information for the account bridge-based cash settlement through the non-face authentication interface included in the account bridge-based cash settlement interface in the customer terminal 2895 provided with the web page including the account bridge-based cash settlement interface And the information receiving unit 2850 receives the non-face authentication information.

The non-face authentication information may include encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information, and authentication information for authenticating the non-face-to-face transaction in cooperation with a non- A one-time password (OTP), a transaction password, and an account password.

Alternatively, when the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 2885 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 2805 (or the account bridge system).

When the non-face authentication information for account bridge-based cache settlement is received through the information receiving unit 2850, the transaction authentication processing unit 2855 transmits the non-face authentication information to the affiliate cache system 2805, System 2890, or by replacing the cache of the affiliate cache system 2805 with the balance of the customer account (or the cache operational account) and the bridged customer account ), And authenticates the non-face-to-face transaction validity for payment of the settlement amount.

Face authentication information associated with the non-face-to-face authentication system 2885 provided to the financial institution through the information receiving unit 2850 according to an embodiment of the present invention, the transaction authentication processing unit 2855 transmits the non-face- Facsimile authentication information to be transmitted to the non-face-to-face authentication system 2885 provided in the financial institution, to settle the settlement amount through the remote account bridge between the affiliate cash system 2805 and the accounting system 2890, It is preferable to authenticate the non-face-to-face transaction validity for replacing (or relaying) the cache of the affiliate cache system 2805 with the balance of the client account (or the cache operation account) and the bridge customer account .

According to another embodiment of the present invention, when the non-face-to-face transaction validity is authenticated using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 2855 generates an arbitrary authentication number, Based authentication interface included in the account bridge-based cash settlement interface, receives the authentication number input through the non-facing authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, Payment of the settlement amount through the remote account bridge between the system 2805 and the account system 2890 or the payment of the cash of the affiliate cache system 2805 to the client account (or the cache operation account) (Or relaying) the balance to settle the settlement amount to authenticate the non-face-to-face transaction validity desirable.

When non-face authentication information including ID / PW information registered in the affiliate cache system 2805 (or the account bridge system) is received through the information receiving unit 2850 according to another embodiment of the present invention, The transaction authentication processing unit 2855 compares the non-confidential authentication information with the ID / PW information stored in the member information D / B (not shown) to determine the remote account bridge between the affiliate cache system 2805 and the accounting system 2890 (Or relaying) the cash of the affiliate cash system 2805 to the customer account (or the cache operating account) and the balance of the bridged customer account to settle the payment amount It is desirable to verify the effectiveness of non-face-to-face transactions.

28, when the payment request information is received from the customer terminal 2895 and the non-face-to-face transaction validity for payment settlement between the affiliate cache system 2805 and the account system 2890 through the remote account bridge is authenticated The account bridge server 2810 transmits an information transferring unit 2860 (or an information transferring unit) for transferring the customer account (or cache operation account) information and the account withdrawal amount information to the account relay server 2883 provided in the financial company The account withdrawal amount is withdrawn from the client account (or the cache operation account) and the client account bridged through the account system 2890 provided in the financial institution in the account relay server 2883, (Or transfer) to the account of the affiliated company to receive transaction history information corresponding to the deposit (or transfer) transaction from the account system 2890 A transaction approval confirmation unit 2870 (or transaction approval confirmation means) that reads the transaction details information and confirms whether the deposit (or transfer) transaction has been normally processed, (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 2877 when the transaction approval for the transaction is confirmed, A history processing unit 2873 (or a history processing unit) for processing the transaction history information into a charge history of the customer account (or a cache operation account), and an account withdrawal amount corresponding to the charge history, ) As the cash balance corresponding to the client account (or the cash operating account), the amount of the cash balance, which is obtained by subtracting the payment amount from the sum of the cash balances corresponding to the cash balance (Or a cash balance processing means). When the transaction approval for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 2870, the payment processing unit 2835 The settlement history for the account bridge-based cash settlement corresponding to the cash balance processing in association with the affiliate cache system 2805 is generated and applied to the affiliate cache system 2805, and the generated account bridge- (Or transfer) transaction to the customer terminal 2895. When the transaction approval for the deposit (or transfer) transaction is not yet confirmed by the transaction approval confirmation unit 2870, the payment processing unit 2835 transmits the deposit Transaction history information including transaction unauthorized person information is processed as the account bridge-based payment details information and transmitted to the customer terminal 2895. [

The settlement request information is received from the customer terminal 2895 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 2805 and the account system 2890 is authenticated, If the account withdrawal amount information for the account bridge based cash settlement is confirmed by the settlement unit 2840, the information transmission unit 2860 confirms the customer account (or the cache operation account) information included in the settlement request information, (Or the cache operational account) information in cooperation with the account bridge D / B 2877 and confirms the customer account (or cache operating account) information through the remote account bridge between the affiliate cache system 2805 and the accounting system 2890 Or cash operating account) information and the account withdrawal amount information to the account relay server 2883 provided in the financial company.

Thereafter, the account relay server 2883 withdraws the account withdrawal amount from the customer account (or the cache operational account) and the bridged customer account through the account system 2890 provided in the financial institution, (Or transfers) the transaction information to the account management server 2810, and transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 2810. Correspondingly, the history receiver receives the transaction history information from the account system 2890 And transaction history information corresponding to the deposit (or transfer) transaction is received.

If transaction details information including transaction approval information is received through the history receiving unit, the transaction approval confirmation unit 2870 reads the transaction details information and confirms whether the transfer (or transfer) transaction is normally processed do.

If it is confirmed that the deposit (or transfer) transaction has been processed normally, the history processor 2873 checks the client account (or the cache operation account) bridged with the customer account in connection with the account bridge D / B 2877 And the received transaction history information is processed through the affiliate cache system 2805 as a charge detail of the client account (or a cache operational account) and is stored.

The cash balance processor 2875 subtracts the payment amount from the sum of the account withdrawal amount corresponding to the charge details and the cash balance corresponding to the customer account (or the cache operational account), and then subtracts the subtracted amount (Or the partner cache system 2805) by processing it as a cash balance corresponding to the client account (or the cache operational account) and applying the processing to the account bridge D / B 2877 (or the affiliate cache system 2805).

When the transaction approval for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 2870, the payment processing unit 2835 associates with the affiliate cache system 2805, Based cash settlement information to the customer affiliate cache system 2805 and transmits the generated account bridge based payment history information to the customer terminal 2895. In this case, (Or transfer) transaction is confirmed by the payment unit 2870, the payment processing unit 2835 transmits the transaction history information including the unauthorized transaction information for the deposit (or transfer) transaction to the account bridge Based payment history information and transmits it to the customer terminal 2895.

FIG. 29 is a diagram illustrating a remote account bridge-based cache settlement request process between the affiliate cache system 2805 and the accounting system 2890 according to the third embodiment of the present invention.

In more detail, FIG. 29 illustrates a method of accessing an affiliate server 2800 having an affiliate cache system 2805 at a customer terminal 2895 to purchase one or more types or intangible goods, Upon requesting payment through the affiliate cache system 2805, the account bridge server 2810 shown in FIG. 28 provides an account bridge-based cache payment interface for account bridge-based cache payment to the customer terminal 2895 (Or selecting) the settlement request information through the account bridge-based cash settlement interface in the customer terminal 2895. As a person skilled in the art to which the present invention pertains, Referring to and / or modified from FIG. 29, remote account bridge-based cash settlement between the affiliate cache system 2805 and the account system 2890 Would be able to infer a variety of exemplary methods for the blue course, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 29.

Hereinafter, in Fig. 29, the customer terminal 2895 shown in Fig. 28 is referred to as a " terminal "for convenience, and the account bridge server 2810 is referred to as a" server "

Referring to FIG. 29, the terminal accesses an affiliate server 2800 having an affiliate cache system 2805, purchases one or more types or intangible goods, and transmits a purchase price for the purchased goods to the affiliate cache system (2900). In response, the server connects the communication channel with the terminal, creates an account bridge-based cache payment interface to be provided to the terminal for payment of the account bridge-based cache (2905).

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, As a person skilled in the art, technical characteristics of a form form for inputting (or selecting) the payment request information in the customer terminal 2895 based on the information attribute of the payment request information are known The detailed form description corresponding to the account bridge-based cash settlement interface in FIG. 29 will be omitted for the sake of convenience.

The account bridge-based cash settlement interface preferably includes cash balance information corresponding to a customer account (or a cache operational account) of the affiliate cache system 2805, and displays a payment amount corresponding to the purchase price It is preferable that the customer account (or the cache operational account) information for the cash balance is further displayed, and further, shopping cart information for the purchased product is preferably included according to the intention of the person skilled in the art.

The account bridge-based cash settlement interface may be configured to send a client account (or a cache operational account) provided in the affiliate cache system 2805 to the client account (or cache operation account) And a withdrawal amount input interface for inputting withdrawal amount information for replacing (or relaying) the settlement amount with the account of the customer and the account amount of the account for payment processing of the settlement amount in the account transfer method. Further, The interface preferably displays the withdrawal amount information.

The account bridge-based cash settlement interface may be configured to settle the payment amount through a remote account bridge between the affiliate cache system 2805 and the account system 2890, Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face-to-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 2885 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register customer wireless terminal information for non-face authentication based on one non-face transaction authentication through a non-face authentication system 2885 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

When the account bridge-based cache payment interface is created (or extracted), the server confirms the cache balance information corresponding to the client account (or the cache operation account) of the affiliate cache system 2805, (For example, a shortage of the cash balance) in step 2910. In step 2910, the cash settlement amount is compared with the settlement amount.

If the validity of the cache settlement is confirmed (2915), the server makes payment processing of the settlement amount through the cash balance in association with the affiliate cache system 2805 (2920) 2805 may provide a cash settlement interface for paying the settlement amount to the customer terminal 2895 through the cash balance.

Those skilled in the art will appreciate the technical features of the cache settlement interface and the cache settlement process through the cache balance, and therefore, a detailed description thereof will be omitted for the sake of convenience.

On the other hand, if the validity of the cache settlement is not confirmed (2915), the server transmits the client account (or the cache operation account) provided in the affiliate cache system 2805 to the account bridge- (Or an intermediary) to the customer account (or the account) and a withdrawal amount input interface for entering the withdrawal amount information for settlement of the settlement amount in the account transfer method (2925) (Or the operating account) and the bridged customer account, and then transmits the confirmed withdrawal amount information and the cash balance information corresponding to the customer account (or the cache operational account) to the account bridge-based cash settlement interface Displayed on the withdrawal amount input interface (2925), and the account including the withdrawal amount input interface And transmits a bridge-based cache settlement interface to the terminal (2930).

According to an embodiment of the present invention, the account bridge-based cash settlement interface includes information on the cash balance information, payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) It is preferable to display at least one shopping cart information.

Upon receiving the account bridge-based cache payment interface, the terminal transmits a customer account (or a cache operation account) provided in the affiliate cache system 2805 to the customer account (Or the cash operating account) to the bridge customer account (or relay) and confirms whether the account withdrawal amount for payment processing of the settlement amount is inputted in the account transfer method (2935).

The account withdrawal amount information is used to replace (or relay) the customer account (or the cache operation account) provided in the affiliate cache system 2805 with the client account (or the cache operation account) and the bridged customer account, And an amount to be withdrawn from the customer account to settle the settlement amount in a transfer mode.

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

Also, it is preferable that the account withdrawal amount information does not exceed the customer account balance (or the withdrawal limit amount).

If the account withdrawal amount is inputted through the withdrawal amount input interface included in the account bridge-based cash settlement interface (2940), the terminal checks whether the account bridge-based cash settlement is requested through the account bridge- (2945). If the account bridge-based cache settlement is requested (2950), the settlement request information is transmitted to the server through the account bridge-based cache settlement interface (2955).

According to the embodiment of the present invention, the payment request information includes at least one of the customer account (or the cache operation account) information, the payment amount information, the account withdrawal amount information, and the affiliate information for operating the affiliate cache system 2805 .

Herein, the customer account information includes a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 2805 As the number, the member ID information of the customer.

Alternatively, the cache operational account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 2805, and the account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

Preferably, the payment amount information includes purchase price information corresponding to a product that the customer terminal 2895 accesses to the affiliate server 2800, and the payment amount information for the cache- And cache information corresponding to a currency unit of the affiliate cache system 2805. [

The account withdrawal amount information is used to exchange (or relay) the customer account (or the cache operation account) provided in the affiliate cache system 2805 with the customer account (or the cache operation account) and the bridge customer account And an amount to be withdrawn from the customer account to settle the settlement amount.

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

In addition, it is preferable that the account withdrawal amount information does not exceed the customer account balance (or the withdrawal limit amount).

The affiliate information may include affiliate identification information corresponding to the affiliate server 2800 operating the affiliate cache system 2805. [

FIG. 30 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache settlement between the affiliate cache system 2805 and the account system 2890 according to the third embodiment of the present invention.

In more detail, FIG. 30 shows an account bridge-based cash settlement interface provided to the customer terminal 2895 through the account bridge-based cash settlement request process shown in FIG. 29, or from the customer terminal 2895 to the account bridge 2895. [ Based authentication between the affiliate cache system 2805 and the account system 2890 based on the non-facing authentication interface included in the account bridge-based cache payment interface after the payment request information is transmitted through the cashier- Face transaction validation for settlement, and those skilled in the art will be able to refer to and / or modify FIG. 30 to determine whether the affiliate cache system 2805 and the account system (2890) remote account cross-border transaction validation for bridge-based cash settlement Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 30.

Hereinafter, in FIG. 30, the customer terminal 2895 shown in FIG. 28 is referred to as a "terminal" for convenience, and the account bridge server 2810 is referred to as a "server" for the sake of convenience.

Referring to FIG. 30, an account bridge-based cash settlement interface is provided to the customer terminal 2895 through the account bridge-based cash settlement request process shown in FIG. 29, or the account bridge- After the settlement request information is transmitted through the cache settlement interface, the terminal transmits a remote account bridge basis between the affiliate cache system 2805 and the account system 2890 through a non-face authentication interface included in the account bridge- Confirm that non-face authentication information is input (3000) to check the effectiveness of non-face-to-face transactions for cash settlement.

The non-face authentication information may include encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information, and authentication information for authenticating the non-face-to-face transaction in cooperation with a non- A one-time password (OTP), a transaction password, and an account password.

Alternatively, when the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 2885 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 2805 (or the account bridge system).

If the non-facing authentication information for confirming the non-face transaction validity for remote account bridge-based cash settlement between the affiliate cache system 2805 and the accounting system 2890 is inputted (3005) through the non-face authentication interface, The terminal transmits the input non-face authentication information to the server through the non-face authentication interface (3010).

According to an embodiment of the present invention, when the non-face authentication information includes at least one of encryption / decryption based authentication information, authorized certificate based authentication information, disposable password, transaction password, and account password, Face authentication system 2885, and the present invention is not limited thereto.

The server then proceeds to settle the settlement amount through the remote account bridge between the affiliate cache system 2805 and the account system 2890 through the received non-face authentication information, (Or relay) the cash to the balance of the client account (or the cache operation account) and the balance of the bridged customer account to confirm the non-face-to-face transaction validity of the settlement amount (3015).

Face authentication information associated with the non-face-to-face authentication system 2885 provided in the financial institution according to an embodiment of the present invention, the server transmits the non-face-to-face authentication information to the non- (2885) to settle the settlement amount through the remote account bridge between the affiliate cache system (2805) and the account system (2890), or to transmit the cache of the affiliate cache system (2805) (Or relaying) the balance of the customer account to the balance of the customer account and the balance of the bridge customer account to confirm the effectiveness of the non-face-to-face transaction.

According to another embodiment of the present invention, in the case of authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates an arbitrary authentication number and transmits it to the customer wireless terminal, Based authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, and transmits the authentication number to the affiliate cache system 2805 To settle the settlement amount through the remote account bridge between the account system 2890 or to replace the cache of the affiliate cache system 2805 with the balance of the customer account (or the cache operational account) and the bridged customer account It is preferable to authenticate the non-face-to-face transaction validity for payment of the settlement amount.

In a case where non-face authentication information including ID / PW information registered in the affiliate cache system 2805 (or the account bridge system) is received according to another embodiment of the present invention, the server transmits the non- To settle the settlement amount through the remote account bridge between the affiliate cache system 2805 and the account system 2890 by comparing the ID / PW information stored in the member information D / B (not shown) It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the system 2805 with the balance of the customer account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount.

If the non-face-to-face transaction validity for the account bridge-based cache settlement is not confirmed 3020 through the non-face authentication information, the server transmits non-face authentication error information to the terminal through the communication channel (3025).

Meanwhile, if the non-face-to-face transaction validity for the account bridge-based cache settlement is confirmed through the non-face authentication information (3020), the server transmits non-face authentication result information to the terminal through the communication channel (3030).

FIG. 31 is a diagram illustrating a remote account bridge-based cache settlement process between the affiliate cache system 2805 and the account system 2890 according to the third embodiment of the present invention.

In more detail, in FIG. 31, an account bridge-based cash settlement interface is provided to the customer terminal 2895 through the account bridge-based cash settlement request process shown in FIG. 29, and the account bridge- If the non-face-to-face transaction validity for the account bridge-based cache settlement is authenticated through the non-face-to-face transaction validation process shown in FIG. 30, The accounting bridge server 2810 remotely bridges the affiliate cache system 2805 and the account system 2890 in cooperation with the account relay server 2883 provided in the financial institution to process payment settlement through the affiliate cache system 2805 If the person skilled in the art is familiar with the process of FIG. It is possible to refer to and / or modify the various methods of remote account bridge-based cache settlement between the affiliate cache system 2805 and the accounting system 2890. However, the present invention includes all the above- And is not limited to the method shown in FIG. 31 only.

Hereinafter, in Fig. 31, the customer terminal 2895 shown in Fig. 28 is referred to as a " terminal "for convenience, and the account bridge server 2810 is referred to as a" server "

Referring to FIG. 31, the customer terminal 2895 requests an account bridge-based cache settlement through the account bridge-based cache settlement request process shown in FIG. 29, and the non-face transaction validity check process shown in FIG. If the non-face-to-face transaction validity for the account bridge-based cache settlement is authenticated, the server checks whether the account bridge-based cache settlement is requested from the terminal (3100). If the account bridge- 3105), the server transmits the customer account (or cache operation account) information and the account withdrawal amount information to the account relay server (or the account relay server) provided in the financial company through the remote account bridge between the affiliate cache system 2805 and the account system 2890 2883 (3110).

Thereafter, the server checks whether transaction history information on the account withdrawal amount information is received from the account relay server 2883 provided in the financial institution (3115).

If the transaction history information on the charge amount information is received from the account relay server 2883 in step 3120, the server reads the transaction history information and confirms whether the transaction has been approved in step 3125.

If it is determined in step 3130 that the transaction approval information on the transaction history information is not confirmed, the server processes transaction details including transaction unauthorized information as payment history information in the affiliate cache system 2805 (step 3135) , And transmits payment history information about the account bridge-based cash settlement to the terminal and outputs it (3155).

On the other hand, if it is confirmed that the transaction details information is confirmed in step 3130, the server processes the transaction history information as charging details of the affiliate cache system 2805 (step 3140) (Or the cash account balance) corresponding to the customer account (or the cache operation account) from the corresponding account withdrawal amount to the new cash balance corresponding to the customer account (or the cache operation account) Corresponding to the cash balance processing in association with the affiliate cache system 2805. The accounting bridge D / B 2877 processes the account balance D / B 2877 (or the affiliate cache system 2805) The payment history for payment is generated (3150), and the payment history information for the account bridge-based cash settlement is transmitted to the terminal (3155).

FIG. 32 is a diagram illustrating a remote account bridge based reservation payment system between an affiliate cache system 3205 and an account system 3295 according to a third embodiment of the present invention.

In more detail, FIG. 32 is a flow chart illustrating a method of purchasing one or more types or intangible goods by accessing an affiliate server 3200 having an affiliate cache system 3205 at a customer terminal 3297, Based cash payment interface for the account bridge based cash settlement to the customer terminal 3297 when the customer terminal 3297 requests payment through the affiliate cache system 3205. The customer terminal 3297 provides the account bridge- When the payment request information is input (or selected) through the payment interface, the affiliate cache system 3205 provided in the non-financial affiliate through the payment request information and the accounting system 3295 provided in the financial company are remotely connected to the bridge And a payment settlement process corresponding to the purchase price, and more specifically, When the cash balance is larger than the settlement amount at the time of settlement processing through the cash balance corresponding to the customer account (or the cache operation account) of the foreign cache system 3205, (Or relay) the customer account (or the cache operation account) provided in the affiliate cache system 3205 to the customer account (or the cache operation account) and the bridged customer account, After confirming the withdrawal amount of the account to be processed, withdrawing the withdrawal amount from the client account (or the cache operation account) remotely and the client account bridged remotely, And a payment method.

Those skilled in the art will be able to refer to and / or modify this drawing 32 to provide a variety of remote account bridge based payment system configurations between the affiliate cache system 3205 and the account system 3295 It should be understood that the present invention includes all of the above-described embodiments, and is not limited to the embodiment shown in FIG. 32.

Referring to FIG. 32 according to an embodiment of the present invention, a remote account bridge based reservation system between the affiliate cache system 3205 and the accounting system 3295 includes at least one browser program, A customer terminal 3297 connected to a communication network and connected to the customer terminal 3297 via the communication network and connected to the customer terminal 3297 via the communication network at the customer terminal 3297, Based on the money deposited in the money management account of the non-financial partners established in the financial corporation, the affiliate server 3200 that sells the goods of the affiliate server 3200, An affiliate cache system 3205 for processing a purchase price of a purchased product at the customer terminal 3297 via the affiliate cache system 3205; The customer terminal 3297 provides an account bridge based cash settlement interface for account bridge based cash settlement and requests settlement request information from the customer terminal 3297 through the account bridge based cash settlement interface The cash balance is compared with the payment amount, and if the cash balance is larger than the payment amount, the payment amount is paid through the cash balance. If the cash balance is insufficient, (Or relay) the customer account (or the cache operation account) provided in the cache system 3205 to the customer account (or the cache operation account) and the bridged customer account to settle the settlement amount by the account transfer method, An account bridge server 3210 for reflecting the payment processing result to the affiliate cache system 3205 (= And an account relay server 3290 provided in a financial institution for interlocking with the account bridge server 3210 for settlement of remote account bridge based cash between the affiliate cache system 3205 and the account system 3295, The functional name of the account relay system), an account system (3295) for operating a bank account of the non-financial affiliate and one or more customer accounts.

32, the account bridge server 3210 is shown as a single server for convenience. However, the present invention is not limited thereto, and the account bridge server 3210 may include two or more The present invention can be implemented in the form of a server group.

That is, it is clear that the account bridge server 3210 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 3297 is connected to a wired communication network based on TCP / IP (Transmission Control Protocol / Internet Protocol), for example, an asymmetric digital subscriber line (ADSL) / a very high-data rate digital subscriber line (VDSL) A mobile communication terminal connected to a mobile communication network based on a CDMA (Code Division Multiple Access), or a wired terminal including a desktop computer or a notebook communicatively connected to the account bridge server 3210, A wireless terminal including at least one portable Internet terminal connected to an 802.16x-based high-speed wireless Internet, or an IP-TV capable of bidirectional communication through any one of the wired communication network or the wireless communication network, Or at least one TV apparatus (not shown) including at least one digital TV or DMB And also by characterized by comprising, to that obtained by having a browser program and outputting the received web page through the communication network comprises a bridge-based cache account billing interface for the account settlement based cache bridge characterized.

Those skilled in the art will recognize that the technical features of the client terminal 3297 including one or more of the wired terminal, wireless terminal or TV device (not shown) The detailed description will be omitted for convenience.

According to an embodiment of the present invention, the account bridge server 3210 includes at least one web page source for generating (or extracting) a web page to be provided to the customer terminal 3297, and web page operation data The database is provided in a database management system (DBMS) connected to the account bridge server (3210).

According to an embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings (e.g., URLs) for generating a web page to be provided to the customer terminal 3297 from the account bridge server 3210 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 contents of the web page. In this case, the web page provided to the customer terminal 3297 may include And a combination of a tag string (or a combination of tag strings).

According to another embodiment of the present invention, the web page source included in the web page operation data includes a web document source file corresponding to a web page to be provided to the customer terminal 3297 from the account bridge server 3210 For example, the web page provided to the customer terminal 3297 may include one or more tag strings, a script, and a web document source file including information content corresponding to the web page contents. In this case, In the case of a web document source file (e.g., a web page source file in the case of a web page without a frame, or a web page composed of two or more frames, one web document source file and two or more web documents Source file) is extracted.

The web content included in the web page management data includes a tag string that links one or more contents (e.g., text content, image content, sound content, multimedia content) among the tag strings included in the web page , One or more text content corresponding to a tag string linking the content, image content, sound content, and multimedia content.

According to another embodiment of the present invention, the web page operation data may be provided to the customer terminal 3297 in addition to the account bridge server 3210 in accordance with a location for providing an account bridge-based cache payment interface for settlement of the account bridge- The affiliate server 3200, the affiliate cache system 3205 and the gateway 3287. The web page management data may be provided to the affiliate server 3200, the affiliate cache system 3205, And a gateway 3287, all of which are incorporated herein by reference in their entirety.

According to the embodiment of the present invention, the account bridge server 3210 stores the customer account information (or the cache operational account information) registered through the account registration system shown in FIG. 2 in association with the customer account information, The account bridge D / B 3285 preferably includes an account bridge D / B 3285 for storing one or more pieces of information related to the customer's wireless terminal information, Or the cash balance information corresponding to the cash account information corresponding to the customer account information that is remotely bridged with the customer account (or the cache operation account), or further stores the recommended withdrawal amount information and the withdrawal limit amount information corresponding to the customer account information remotely bridged to the customer account It is preferable to store them in association with each other.

Here, the cache balance information includes the balance information of the cache for storing, recording, and managing the amount deposited in the funds management account in the affiliate cache system 3205 through the client account (or the cache operation account) desirable.

According to the embodiment of the present invention, the cash balance information may include a balance obtained by subtracting a cache corresponding to a payment history from a cache corresponding to a charging account corresponding to a customer account (or a cache operating account) of the affiliate cache system 3205 In FIG. 32, since the cash balance is not separately pre-charged, it is possible to prevent the customer account (or the cache operation account) and the bridged customer account from withdrawing more than the amount required for settlement in the previous settlement process , The cache balance preferably includes '0'.

According to another embodiment of the present invention, when the account balance server 3210 confirms the cache balance through the affiliate cache system 3205, the cache balance information may be omitted in the account bridge D / B 3285 The present invention is not limited thereto.

The recommended withdrawal amount information is used when the non-financial issuance partner withdraws from the client account (or the cache operation account) and the bridged customer account at the time of payment processing of the payment amount using the affiliate cache system 3205, As an amount recommended to be deposited (or transferred) 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 3210, It is optional.

The withdrawal limit amount information is used when the non-financial affiliate withdraws from the customer account (or the cache operation account) and the bridge customer account at the settlement processing of the settlement amount using the affiliate cache system 3205, The withdrawal limit amount includes a limit amount of at least one of a one-time limit amount, a daily limit amount, a week limit limit amount, and a monthly limit amount, which is a limit amount to be deposited (or transferred) into the fund management account.

If the recommended withdrawal amount information and the withdrawal limit amount information are stored in the account relay D / B provided in the financial institution, the recommended withdrawal amount information and the withdrawal amount information are stored in the account bridge D / B 3285 The present invention is not limited thereto.

32, the account bridge server 3210 provides a web page to the customer terminal 3297 using an HTTP compatible protocol corresponding to the communication network, or a web page provided to the customer terminal 3297 And a web interface unit 3215 for connecting and managing a web interface for receiving various kinds of information input (or selected) by the customer terminal 3297 in a GET / POST manner.

According to an embodiment of the present invention, when the customer terminal 3297 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP, the web interface unit 3215 connects the customer terminal 3297 and the TCP / (* .Htm, * .asp, *. Xml) to the customer terminal (3297) through the communication channel by connecting and managing the communication channel through the IP-based HTTP protocol ) Type web page is provided or the information input from the customer terminal 3297 is interfaced to be received in the GET / POST manner.

According to another embodiment of the present invention, when the customer terminal 3297 is a wireless terminal connected with a communication channel through a CDMA / WCDMA based wireless communication network, the web interface unit 3215 transmits the CDMA / (E.g., WAP (Wireless Application Protocol) or ME (Mobile Explorer)) corresponding to the WCDMA / WCDMA-based wireless internet protocol and connects the communication channel through the communication channel to the customer terminal 3297 (E.g., * .wml, * .htm), or to interface the information input from the customer terminal 3297 to be received in the GET / POST manner .

According to another embodiment of the present invention, when the customer terminal 3297 is a wireless terminal connected with a communication channel through an IEEE 802.16 based wireless communication network, the web interface unit 3215 connects the customer terminal 3297 and the IEEE (E.g., * .htm, *. Asp, *. Asm) to the customer terminal 3297 through the communication channel through the HTTP compatible protocol corresponding to the 802.16x based wireless internet protocol. xml) is provided or the information input from the customer terminal 3297 is interfaced to be received by the GET / POST method.

According to another embodiment of the present invention, the web interface unit 3215 transmits the account bridge-based cash settlement interface for the account bridge-based cash settlement to the customer terminal 3297, The web interface unit 3215 may be provided in any one of the affiliate server 3200, the affiliate cache system 3205 and the gateway 3287 in addition to the affiliate server 3200, Cache system 3205, and gateway 3287. It should be noted that the present invention is not limited thereto.

Referring to FIG. 32, the customer terminal 3297 accesses an affiliate server 3200 having an affiliate cache system 3205 to purchase at least one type or an intangible commodity, and makes a purchase price for the purchased commodity Upon requesting payment through the affiliate cache system 3205, the account bridge server 3210 generates (or extracts) a web page to be provided to the customer terminal 3297 based on the web page operation data A web page operation unit 3220 (or a web page operation unit), and an account bridge-based cache settlement unit 3220 for making the account bridge-based cache payment to the web page generated (or extracted) in association with the web page operation unit 3220 And an interface providing unit 3225 (or an interface providing unit) including an interface, and the web page operating unit 3220 is provided with the web- In conjunction with the interface unit 3215 to the Web page, the generated (or extracted), characterized in that the treatment to be provided to the customer terminal (3297).

According to another embodiment of the present invention, the web page operating unit 3220 and the interface providing unit 3225 may provide the account bridge-based cash settlement interface for the account bridge based cash settlement to the customer terminal 3297 The affiliate cache system 3205 and the gateway 3287 in addition to the account bridge server 3210 according to the present invention. The present invention can be applied to the web page operation unit 3220, And the interface providing unit 3225 are included in any one of the affiliate server 3200, the affiliate cache system 3205, and the gateway 3287.

The customer terminal 3297 accesses the affiliate server 3200 having the affiliate cache system 3205 to purchase at least one type or an intangible product and a payment means for paying the purchase price for the purchased product The web page operating unit 3220 requests the settlement amount corresponding to the purchase price to be paid through the affiliate cache system 3205. The web page operating unit 3220 transmits the payment amount corresponding to the purchase price to the affiliate cache system 3205, And the account system 3295 to the customer terminal 3297, and generates a web page corresponding to the confirmed web page link from the web page operation data (Or extracting) the web page content and the web content, and using the confirmed web page source and the web content, A web page to be provided in the customer terminal (3297) is characterized in that to generate (or extract).

When the web page operating unit 3220 generates (or extracts) a web page to be provided to the customer terminal 3297 for remote account bridge-based payment processing between the affiliate cache system 3205 and the accounting system 3295, The interface providing unit 3225 may include the account bridge-based cash settlement interface in the web page and may be provided to the customer terminal 3297 in cooperation with the web page operating unit 3220.

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, As a person skilled in the art, technical characteristics of a form form for inputting (or selecting) the payment request information in the customer terminal 3297 based on the information attribute of the payment request information are known The detailed form description corresponding to the account bridge-based cash settlement interface in FIG. 32 will be omitted for the sake of convenience.

Here, the account bridge-based cash settlement interface preferably includes cash balance information corresponding to a customer account (or a cache operation account) of the affiliate cache system 3205, and displays a payment amount corresponding to the purchase price It is preferable that the customer account (or the cache operational account) information for the cash balance is further displayed, and further, shopping cart information for the purchased product is preferably included according to the intention of the person skilled in the art.

The account bridge-based cash settlement interface may further include a client account (or a cache operation account) provided in the affiliate cache system 3205 when the cash balance for the payment processing of the settlement amount is insufficient, And a withdrawal amount input interface for inputting withdrawal amount information for replacing (or relaying) the settlement amount with the account of the customer and the account amount of the account for payment processing of the settlement amount in the account transfer method. Further, The interface preferably displays the withdrawal amount information.

In addition, the account bridge-based cash settlement interface may be configured to settle the payment amount through a remote account bridge between the affiliate cache system 3205 and the account system 3295, Face authentication interface for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 3293 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register the customer wireless terminal information for non-face authentication based on one non-face transaction authentication through the non-face authentication system 3293 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may further include a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (for example, payment after pre-payment after reservation or payment after pre-payment) .

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

32, when the account bridge server 3210 generates (or extracts) the account bridge-based cache payment interface in the interface provider 3225, the account bridge server 3210 generates a customer account (For example, a cash balance is insufficient) for comparing the amount of money corresponding to the cash balance information with the settlement amount so as to settle the settlement amount through the cash balance, (Or the cache settlement validity checking means) 3230 (or the cache settlement validity checking means) for checking the validity of the cache settlement validity check And a payment processing unit 3235 (or a payment processing means) for processing the payment amount.

The cache settlement validity checking unit 3230 checks the account bridge D / B 3285 (or the affiliate cache system 3205) when the account provider 3225 generates (or extracts) the account bridge- (Or the cache operational account) of the affiliate cache system 3205 in association with the customer account (or the cache operational account), and the cash balance information corresponding to the customer account And comparing the amount of money corresponding to the cash balance information with the payment amount to check the validity (e.g., insufficient cash balance) for processing the payment amount through the cash balance.

When the validity of the cache settlement is confirmed by the cache settlement validity checking unit 3230, the settlement processing unit 3235 performs settlement processing of the settlement amount through the cash balance in cooperation with the affiliate cache system 3205 The affiliate cache system 3205 (or the payment processor 3235) provides a cash settlement interface for settlement of the settlement amount through the cash balance to the customer terminal 3297 desirable.

Those skilled in the art will appreciate the technical features of the cache settlement interface and the cache settlement process through the cache balance, and therefore, a detailed description thereof will be omitted for the sake of convenience.

Referring to FIG. 32, when the cache settlement validity determination unit 3230 determines that the cache settlement has not been validated (or the cache balance is insufficient), the interface providing unit 3225 transmits, to the account bridge- (Or relaying) a customer account (or a cache operation account) provided in the customer account (or a cache operation account) provided in the customer account 3205 to the customer account (or the cache operation account) and the bridge customer account to withdraw the account The account bridge server (3210) further includes a withdrawal amount input interface for inputting amount information, wherein the account bridge server (3210) is configured to withdraw a withdrawal amount for confirming a recommended withdrawal amount for the customer account (or the cache operation account) An amount confirmation unit 3240 (or a withdrawal amount confirmation means), and the confirmed withdrawal amount information and the customer account (Or information display means) for displaying the cash balance information corresponding to the account balance-based cash settlement interface on the withdrawal amount input interface included in the account bridge-based cash settlement interface. The withdrawal amount confirmation unit 3240 and the information display unit 3245 may be omitted.

If the cache settlement validity is not confirmed by the cache settlement validity checking unit 3230 (for example, the cache balance is insufficient), the interface providing unit 3225 inserts the affiliate cache system into the account bridge- (Or relaying) a customer account (or a cache operation account) provided in the customer account (or a cache operation account) provided in the customer account 3205 to the customer account (or the cache operation account) and the bridge customer account to withdraw the account And a withdrawal amount input interface for inputting the amount information.

In addition, the withdrawal amount confirmation unit 3240 checks the withdrawal amount of the client account (or the cache operational account) and the client account (or the client account) linked with the account bridge D / B 3285 (or the account relay server 3290 provided in the financial company) The amount of the recommended withdrawal is checked.

When the cash balance information and the recommended withdrawal amount information corresponding to the customer account (or the cache operation account) are confirmed by the withdrawal amount confirmation unit 3240, the information display unit 3245 displays the customer account (or the cache operation account) Based on the withdrawal amount input interface included in the account bridge-based cash settlement interface and outputs the displayed cash amount information and the recommended withdrawal amount information through the customer terminal 3297.

According to an embodiment of the present invention, the information display unit 3245 displays the cash balance information and the recommended withdrawal amount information in a separate display area.

According to another embodiment of the present invention, the information display unit 3245 may add the recommended withdrawal amount information to the cash balance information, and display the cash balance information in an area for displaying the cash balance information.

According to an embodiment of the present invention, the account bridge-based cash settlement interface may include payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) for the cash balance, and shopping cart information about the purchase item Or more.

32, the account bridge server 3210 transmits the payment request information through the payment request interface included in the account bridge-based cash settlement interface at the customer terminal 3297, And an information receiving unit 3250 (or information receiving means) for receiving the information.

The customer terminal 3297 provided with the web page including the account bridge-based cash settlement interface inputs (or selects) the account withdrawal amount information through the withdrawal amount input interface included in the account bridge-based cash settlement interface, The information receiver 3250 receives the settlement request information for the account bridge-based cache settlement through the settlement request interface included in the account bridge-based cache settlement interface.

According to the embodiment of the present invention, the settlement request information includes at least one of the customer account (or cache operation account) information, the settlement amount information, the account withdrawal amount information, and the affiliate information for operating the affiliate cache system 3205 And may further include payment method selection information through the purchase method information and the payment method selection interface according to the intention of those skilled in the art.

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 3205 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 3205. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The settlement amount information preferably includes purchase amount information corresponding to a product purchased by the customer terminal 3297 by connecting to the affiliate server 3200. The settlement amount information for the cache- And cache information corresponding to a currency unit of the affiliate cache system 3205. [

The account withdrawal amount information is used to exchange (or relay) the customer account (or the cache operation account) provided in the affiliate cache system 3205 with the customer account (or the cache operation account) and the bridged customer account And an amount to be withdrawn from the customer account to settle the settlement amount.

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

Also, it is preferable that the account withdrawal amount information does not exceed the customer account balance (or the withdrawal limit amount).

The affiliate company information may include affiliate identification information corresponding to the affiliate server 3200 operating the affiliate cache system 3205. [

Referring to FIG. 32, when the account bridge server 3210 receives and transmits non-face authentication information through the non-face authentication interface included in the account bridge-based cache payment interface at the customer terminal 3297, (Or information receiving means) that receives the face-to-face authentication information, and an information receiving unit 3250 (or information receiving means) that receives the face-to-face authentication information and transmits the payment amount through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 (Or relaying) the cache of the affiliate cache system 3205 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the non-face-to-face transaction validity And a transaction authentication processing unit 3255 (or transaction authentication processing means) for authenticating the transaction.

Face authentication information for the account bridge-based cache settlement through the non-face-to-face authentication interface included in the account bridge-based cache payment interface at the customer terminal 3297 provided with the web page including the account bridge- And the information receiving unit 3250 receives the non-face authentication information.

The non-face authentication information includes encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information for authenticating the non-face-to-face transaction in cooperation with the non-face-to-face authentication system 3293 provided in the financial company in which the customer account is established, A one-time password (OTP), a transaction password, and an account password.

Alternatively, when the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 3293 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 3205 (or the account bridge system).

When the non-face authentication information for the account bridge-based cache settlement is received through the information receiving unit 3250, the transaction authentication processing unit 3255 transmits the non-face authentication information to the affiliate cache system 3205, System 3295, or to replace the cache of the affiliate cache system 3205 with the balance of the client account (or the cache operational account) and the bridge customer account (or relay ), And authenticates the non-face-to-face transaction validity for payment of the settlement amount.

Face authentication information associated with the non-face-to-face authentication system 3293 provided to the financial institution through the information receiving unit 3250 according to an embodiment of the present invention, the transaction authentication processing unit 3255 transmits the non-face- Face authentication information to be transmitted to the non-face-to-face authentication system 3293 provided in the financial institution to settle the settlement amount through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295, It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the affiliate cache system 3205 with the balance of the client account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount .

According to another embodiment of the present invention, when the non-face-to-face transaction validity is authenticated using the wireless authentication means using the customer wireless terminal information, the transaction authentication processing unit 3255 generates an arbitrary authentication number, Based authentication interface included in the account bridge-based cash settlement interface, receives the authentication number input through the non-facing authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, Payment of the settlement amount through the remote account bridge between the system 3205 and the account system 3295 or the payment of the cash of the affiliate cache system 3205 to the client account (or the cache operation account) (Or relaying) the balance to settle the settlement amount to authenticate the non-face-to-face transaction validity desirable.

When non-face authentication information including ID / PW information registered in the affiliate cache system 3205 (or the account bridge system) is received via the information receiving unit 3250 according to another embodiment of the present invention, The transaction authentication processing unit 3255 compares the non-confidential authentication information with the ID / PW information stored in the member information D / B (not shown) to obtain a remote account bridge between the affiliate cache system 3205 and the accounting system 3295 (Or relaying) the cash of the affiliate cache system 3205 to the customer account (or the cache operational account) and the balance of the bridged customer account to settle the settlement amount It is desirable to verify the effectiveness of non-face-to-face transactions.

Referring to FIG. 32, the account bridge server 3210 transmits payment settlement for the settlement request information through a remote account bridge between the affiliate cache system 3205 and the account system 3295 in a pre- The settlement request information is received from the customer terminal 3297 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is authenticated, When the account withdrawal amount information for the account bridge-based cash settlement is confirmed by the amount checking unit 3240, the settlement amount included in the settlement request information is transmitted to the affiliate cache system 3205 and the account system 3295 within a predetermined time, An information generating unit 3277 (or information generating means) for generating payment reservation information for making a payment through the remote account bridge, An information storage unit 3280 (or an information storage unit) for storing the information on the cash management account in the account bridge D / B 3285 (or the affiliate cache system 3205) in association with the account withdrawal amount information and the settlement reservation information, A customer approval confirmation unit 3283 for confirming the approval of the customer to settle the payment amount through the remote account bridge between the affiliate cache system 3205 and the account system 3295 through the payment reservation information and the customer communication means, (Or a customer approval confirmation means).

The settlement request information is received from the customer terminal 3297 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is authenticated, If the account withdrawal amount information for account bridge-based cash settlement is confirmed by the account issuer 3240, the information generating unit 3277 transmits the settlement amount included in the settlement request information to the affiliate cache system 3205 within a predetermined time, Payment settlement date information, automatic payment setting information, settlement instruction information, customer approval password, and customer communication means information for performing payment processing through the remote account bridge between the account system 3295 and the account system 3295, The settlement amount information (or the account withdrawal amount information) included in the settlement request information, the affiliate information and the purchase product information, The features that create a payment schedule information.

Here, the scheduled payment expiration date information includes at least one of date information and time information for expiration of reservation payment of the withdrawal payment method after the pre-reservation, and after the expiration date of the reservation payment, It is preferable that the settlement process is automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , Payment processing through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that payment processing through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or generated), or the password of the member information registered through the information registration procedure such as the account registration system shown in FIG. 2 or registered in the affiliate server 3200 (or the affiliate cache system 3205) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the payment reservation information is generated through the information generation unit 3277, the information storage unit 3280 stores the customer account (or cache operation account) information, the account withdrawal amount information, and the information generated by the information generation unit 3277 And stores the settlement reservation information in the account bridge D / B 3285 (or the affiliate cache system 3205) in association with each other.

The information storage unit 3280 associates the client account (or cache operation account) information with the account withdrawal amount information and the payment reservation information to the account bridge D / B 3285 (or the affiliate cache system 3205) The customer approval confirmation unit 3283 confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) (Or message) including payment instruction information included in the payment reservation information at least once before the date and time of the reservation payment, and a password input interface for inputting and transmitting the customer approval password To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 3283 confirms whether the terminal corresponding to the customer communication means (for example, the wireless terminal corresponding to the customer wireless terminal information, (The terminal receiving the mail or the terminal using the messenger) received through the password input interface, and transmits the received customer approval password and the account bridge D / B 3285 (or the affiliate cache system 3205), and confirms the customer's approval to settle the settlement amount through the remote account bridge between the affiliate cache system 3205 and the account system 3295 .

Referring to FIG. 32, the account bridge server 3210 confirms whether the customer approval for reservation payment is confirmed by the customer approval confirmation unit 3283, or the automatic payment processing information included in the payment reservation information An information transmission unit 3260 (or information transmission means) for transmitting the client account (or cache operation account) information and the account withdrawal amount information to the account relay server 3290 provided in the financial institution, And the account withdrawal amount is withdrawn from the customer account (or the cache operation account) and the bridged customer account through the account system 3295 provided in the financial institution in the account relay server 3290, (Or transferring) the transaction information to the account management system 3295, a history receiving unit 3265 for receiving the transaction details information corresponding to the deposit (or transfer) transaction from the accounting system 3295 A transaction approval confirmation unit 3270 (or transaction approval confirmation means) that reads the transaction details information and confirms whether the deposit (or transfer) transaction has been normally processed, (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 3285 when confirming the transaction with the affiliate cache system 3205, A history processing unit 3273 (or a history processing unit) for processing information as a charge of the customer account (or a cache operation account), and an account withdrawal amount corresponding to the charge details and the customer account A cash balance processing unit 3275 for processing an amount obtained by subtracting the payment amount from the sum of the corresponding cash balance as a cash balance corresponding to the customer account (or the cache operational account) (Or a cash balance processing means). When the transaction approval process for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 3270, the payment processing unit 3235 transmits the affiliate cache Based payment history information corresponding to the cash balance processing in association with the system 3205 and applies the generated payment history information to the affiliate cache system 3205. The account bridge- (Or transfer) transaction is confirmed by the transaction approval confirmation unit 3270, the payment processing unit 3235 transmits the unauthorized transaction information for the deposit (or transfer) transaction Based payment history information, and transmits the transaction history information to the customer communication means.

When the customer approval for reservation payment is confirmed by the customer approval confirmation unit 3283 or the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, (Or cache operation account) information included in the settlement request information, or confirms the client account (or cache operation account) information in connection with the account bridge D / B 3285, The client account (or the cache operation account) information and the account withdrawal amount information are transmitted to the account relay server 3290 provided in the financial company through the remote account bridge between the cache system 3205 and the account system 3295 do.

Thereafter, the account relay server 3290 withdraws the account withdrawal amount from the customer account (or the cache operational account) and the bridged customer account through the accounting system 3295 provided in the financial institution, (Or transferring) the transaction information to the account management server 3210 and transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 3210. Corresponding to this, the history receiver 3265 receives the transaction history information corresponding to the account system (Or transfer) transaction information corresponding to the deposit (or transfer) transaction.

If the transaction history information including the transaction approval information is received through the history receiving unit 3265, the transaction approval confirmation unit 3270 reads the transaction history information to check whether the transfer (or transfer) transaction has been normally processed .

If it is confirmed that the deposit (or transfer) transaction has been normally processed, the history processor 3273 confirms the bridged client account (or cache operation account) with the customer account in connection with the account bridge D / B 3285 And the transaction history information received through the affiliate cache system 3205 is processed and stored as the charge details of the customer account (or the cache operation account).

The cash balance processor 3275 subtracts the payment amount from the sum of the account withdrawal amount corresponding to the charge details and the cash balance corresponding to the customer account (or the cache operational account), and then subtracts the subtracted amount (Or the partner cache system 3205) by processing it as a cash balance corresponding to the client account (or the cache operational account) and applying the processing to the account bridge D / B 3285 (or the affiliate cache system 3205).

When the approval of the transaction for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 3270, the payment processing unit 3235 transmits the account bridge 3235 corresponding to the cash balance processing, in association with the affiliate cache system 3205, Based cash settlement to the affiliate cache system 3205 and transmits the generated account bridge based settlement history information to the customer communication means. The transaction processing unit 3235 transmits the transaction history information including the unauthorized transaction information on the deposit (or transfer) transaction to the account bridge-based payment And transmits the processed information to the customer communication means.

Referring to FIG. 32, the account bridge server 3210 transmits payment settlement for the settlement request information through the remote account bridge between the affiliate cache system 3205 and the account system 3295 as a pre-payment system The settlement request information is received from the customer terminal 3297 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is authenticated, When the account withdrawal amount information for the account bridge-based cash settlement is confirmed by the amount checking unit 3240, the client account (or the cache operation account) information and the account withdrawal amount information are transmitted to the account relay server 3290 And an accounting system 3295 provided in the financial institution in the account relay server 3290. The information transferring unit 3260 When the account withdrawal amount is withdrawn from the customer account (or the cache operation account) and the bridged customer account and is deposited (or transferred) to the funds management account of the non-financial affiliate, the account system 3295 transfers A transaction receipt unit 3265 (or a history receiving unit) for receiving the transaction history information corresponding to the transaction (transaction transfer history) transaction, and a transaction approval confirmation unit 3270 (Or a transaction approval confirmation means), and when approval of transaction for the deposit (or transfer) transaction is confirmed, the settlement amount included in the settlement request information is transmitted to the affiliate cache system 3205 and the account system 3295 An information generating unit 3277 (or information generating means) for generating payment reservation information for settlement processing through the remote account bridge between the customer account An information storage unit 3280 (or an information storage unit) for storing information in the account bridge D / B 3285 (or the affiliate cache system 3205) in association with the account withdrawal amount information and the settlement reservation information, A customer approval confirmation unit 3283 for confirming the approval of the customer to settle the payment amount through the remote account bridge between the affiliate cache system 3205 and the account system 3295 through the payment reservation information and the customer communication means, (Or a customer approval confirmation means). When the transaction approval for the deposit (or transfer) transaction is not confirmed by the transaction approval confirmation unit 3270, the transaction approval for the deposit (or transfer) And a settlement processing unit (3235) for processing the transaction history information including the information as the account bridge-based payment history information and transmitting the transaction history information to the customer communication means It characterized.

The settlement request information is received from the customer terminal 3297 and the validity of the non-face-to-face transaction for payment settlement through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is authenticated, If the account withdrawal amount information for the account bridge based cash settlement is confirmed by the cash settlement unit 3240, the information transmission unit 3260 confirms the customer account (or cache operation account) information included in the settlement request information, (Or cache operation account) information in cooperation with the account bridge D / B 3285 and transmits the customer account (or cache operation account) information through the remote account bridge between the affiliate cache system 3205 and the account system 3295 Or cash operating account) information and account withdrawal amount information to the account relay server 3290 provided in the financial company.

Thereafter, the account relay server 3290 withdraws the account withdrawal amount from the customer account (or the cache operational account) and the bridged customer account through the accounting system 3295 provided in the financial institution, (Or transferring) the transaction information to the account management server 3210 and transmits the transaction history information corresponding to the deposit (or transfer) transaction to the account bridge server 3210. Corresponding to this, the history receiver 3265 receives the transaction history information corresponding to the account system (Or transfer) transaction information corresponding to the deposit (or transfer) transaction.

If the transaction history information including the transaction approval information is received through the history receiving unit 3265, the transaction approval confirmation unit 3270 reads the transaction history information to check whether the transfer (or transfer) transaction has been normally processed .

If it is confirmed that the deposit (or transfer) transaction has been normally processed, the information generating unit 3277 transmits the payment amount included in the payment request information to the affiliate cash system 3205 and the account system 3295 within a predetermined period of time The settlement expiration date information, the automatic settlement setting information, the payment instruction information, the customer approval password, and the customer communication means information received through the history receiving unit 3265 for payment processing through the remote account bridge And generates settlement reservation information including payment amount information (or the account withdrawal amount information) included in the settlement request information, affiliate information, and purchase product information according to the intention of a person skilled in the art.

Here, the transaction details information may include at least one of a customer account (or a cash management system) to settle the settlement amount included in the settlement request information through a remote account bridge between the affiliate cache system 3205 and the account system 3295 within a predetermined time, (Or transfer) the withdrawn amount of the account withdrawal amount from the account of the banking customer and the bank account of the non-financial partner to the account of the financial operation of the non-financial affiliate.

Wherein the reservation payment expiration date information includes at least one of date information and time information for expiration of the reservation payment of the pre-payment method after the payment, and after the reservation payment expiration date and time, It is preferable that the payment processing is automatically canceled or automatically processed.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , Payment processing through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that payment processing through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or generated), or the password of the member information registered through the information registration procedure such as the account registration system shown in FIG. 2 or registered in the affiliate server 3200 (or the affiliate cache system 3205) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the payment reservation information is generated through the information generation unit 3277, the information storage unit 3280 stores the customer account (or cache operation account) information, the account withdrawal amount information, and the information generated by the information generation unit 3277 And stores the settlement reservation information in the account bridge D / B 3285 (or the affiliate cache system 3205) in association with each other.

According to another embodiment of the present invention, the information storage unit 3280 may process the transaction details information into a charging history for the charge amount information and store the information in the affiliate cache system 3205, The present invention is not limited thereto.

The information storage unit 3280 associates the client account (or cache operation account) information with the account withdrawal amount information and the payment reservation information to the account bridge D / B 3285 (or the affiliate cache system 3205) The customer approval confirmation unit 3283 confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) (Or message) including payment instruction information included in the payment reservation information at least once before the date and time of the reservation payment, and a password input interface for inputting and transmitting the customer approval password To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the customer approval request information (or message) is transmitted to the customer communication means, the customer approval confirmation unit 3283 confirms whether the terminal corresponding to the customer communication means (for example, the wireless terminal corresponding to the customer wireless terminal information, (The terminal receiving the mail or the terminal using the messenger) received through the password input interface, and transmits the received customer approval password and the account bridge D / B 3285 (or the affiliate cache system 3205), and confirms the customer's approval to settle the settlement amount through the remote account bridge between the affiliate cache system 3205 and the account system 3295 .

Referring to FIG. 32, the account bridge server 3210 confirms whether the customer approval for reservation payment is confirmed by the customer approval confirmation unit 3283, or the automatic payment processing information included in the payment reservation information (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B (3285) when the reservation payment is automatically approved, and transmits transaction details information included in the payment reservation information to the customer account A history processing unit 3273 (or a history processing unit) for processing the account information of the customer account (or the cache operation account) as a charge history, a cash withdrawal amount corresponding to the charge details, and a cache corresponding to the customer account A cash balance processing unit 3275 (or a cash balance processing unit) for processing an amount obtained by subtracting the payment amount from an amount obtained by adding the balance to a cash balance corresponding to the customer account (Or transfer) transaction is approved by the transaction approval confirmation unit 3270, the cash balance processing unit 3250 may perform the cash balance processing in cooperation with the affiliate cache system 3205 And a settlement processor 3235 for generating a settlement record for the corresponding account bridge-based cash settlement, applying the generated settlement history to the affiliate cache system 3205, and transmitting the generated account bridge-based settlement history information to the customer communication means .

When the customer approval for reservation payment is confirmed by the customer approval confirmation unit 3283 or the reservation payment is automatically approved by the automatic payment processing information included in the payment reservation information, the details processing unit 3273 (Or a cache operational account) bridged with the customer account in connection with the account bridge D / B 3285, and transmits the transaction history information included in the payment reservation information to the client account (or the cache operational account) And then stored in the memory.

The cash balance processor 3275 subtracts the payment amount from the sum of the account withdrawal amount corresponding to the charge details and the cash balance corresponding to the customer account (or the cache operational account), and then subtracts the subtracted amount (Or the partner cache system 3205) by processing it as a cash balance corresponding to the client account (or the cache operational account) and applying the processing to the account bridge D / B 3285 (or the affiliate cache system 3205).

When the approval of the transaction for the deposit (or transfer) transaction is confirmed by the transaction approval confirmation unit 3270, the payment processing unit 3235 transmits the account bridge 3235 corresponding to the cash balance processing, in association with the affiliate cache system 3205, Based cash settlement to the affiliate cache system 3205, and transmits the generated account bridge-based payment history information to the customer communication means.

If the reservation is unapproved until the expiration date of the reservation payment or canceled by the customer, the payment processing unit 3235 transmits the transaction history information to the customer account (or the cache operation account) through the affiliate cache system 3205 And the refund history information is transmitted to the customer communication means.

FIG. 33 is a diagram illustrating a remote account bridge-based reservation payment request process between the affiliate cache system 3205 and the accounting system 3295 according to the third embodiment of the present invention.

In more detail, FIG. 33 illustrates an example in which a customer terminal 3297 accesses an affiliate server 3200 having an affiliate cache system 3205 to purchase one or more types or intangible goods, Upon requesting payment through the affiliate cache system 3205, the account bridge server 3210 shown in FIG. 32 provides an account bridge-based cache payment interface for the account bridge-based cache payment to the customer terminal 3297 (Or selecting) the settlement request information through the account bridge-based cash settlement interface in the customer terminal 3297, and is a person skilled in the art to which the present invention pertains. Referring to and / or modified with respect to FIG. 33, remote account bridge based reservation between the affiliate cache system 3205 and the account system 3295 Would be able to infer a variety of exemplary methods for the blue course, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 33.

Hereinafter, in Fig. 33, the customer terminal 3297 shown in Fig. 32 is referred to as a "terminal" for convenience, and the account bridge server 3210 is referred to as a "server"

Referring to FIG. 33, the terminal accesses an affiliate server 3200 having an affiliate cache system 3205 to purchase at least one type or an intangible commodity, and stores a purchase price for the purchased commodity in the affiliate cache system (3300). In response, the server connects the communication channel with the terminal and creates an account bridge-based cache payment interface to be provided to the terminal for payment of the account bridge-based cache (3305).

According to an embodiment of the present invention, the account bridge-based cash settlement interface preferably includes a user interface for inputting (or selecting) settlement request information through one or more form forms, As a person skilled in the art, technical characteristics of a form form for inputting (or selecting) the payment request information in the customer terminal 3297 based on the information attribute of the payment request information are known The detailed form description corresponding to the account bridge-based cash settlement interface in FIG. 33 will be omitted for the sake of convenience.

Here, the account bridge-based cash settlement interface preferably includes cash balance information corresponding to a customer account (or a cache operation account) of the affiliate cache system 3205, and displays a payment amount corresponding to the purchase price It is preferable that the customer account (or the cache operational account) information for the cash balance is further displayed, and further, shopping cart information for the purchased product is preferably included according to the intention of the person skilled in the art.

The account bridge-based cash settlement interface may further include a client account (or a cache operation account) provided in the affiliate cache system 3205 when the cash balance for the payment processing of the settlement amount is insufficient, And a withdrawal amount input interface for inputting withdrawal amount information for replacing (or relaying) the settlement amount with the account of the customer and the account amount of the account for payment processing of the settlement amount in the account transfer method. Further, The interface preferably displays the withdrawal amount information.

In addition, the account bridge-based cash settlement interface may be configured to settle the payment amount through a remote account bridge between the affiliate cache system 3205 and the account system 3295, Face authentication for inputting non-face-to-face authentication information for non-face-to-face transaction authentication for replacing (or relaying) the account (or the cache operation account) with the balance of the bridged customer account It is preferable to further comprise

The non-face authentication interface includes an encryption / decryption authentication unit for authenticating the non-face-to-face transaction in association with the non-face-to-face authentication system 3293 provided in the financial company in which the customer account is established, A one-time password (OTP) authentication means, a transaction password authentication means, and a non-face authentication interface corresponding to the account password authentication means.

Alternatively, the non-face authentication interface may register the customer wireless terminal information for non-face authentication based on one non-face transaction authentication through the non-face authentication system 3293 provided in the financial company, (For example, an interface for transmitting an authentication number to a customer wireless terminal and inputting an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless authentication means.

In addition, the account bridge-based cash settlement interface may further include a payment method selection interface for selecting whether to process the payment amount immediately or to process a reservation payment (for example, payment after pre-payment after reservation or payment after pre-payment) .

In addition, the account bridge-based cash settlement interface may include a settlement request interface (e.g., a settlement request button (or icon)) for requesting a cache-based payment settlement for a settlement amount corresponding to the purchase amount based on the cash balance .

When the account bridge-based cache payment interface is created (or extracted), the server checks the cache balance information corresponding to the client account (or the cache operation account) of the affiliate cache system 3205, (For example, a shortage of the cash balance) (3310) for comparing the amount of money with the amount of settlement to settle the settlement amount through the cash balance.

If the validity of the cache settlement is confirmed (3315), the server causes the settlement amount to be settled through the cash balance in connection with the affiliate cache system 3205 (3320) 3205 may provide a cash settlement interface to the customer terminal 3297 to settle the settlement amount through the cash balance.

Those skilled in the art will appreciate the technical features of the cache settlement interface and the cache settlement process through the cache balance, and therefore, a detailed description thereof will be omitted for the sake of convenience.

On the other hand, if the validity of the cache settlement is not confirmed (3315), the server transmits the client account (or a cache operation account) provided in the affiliate cache system 3205 to the account bridge- (Or an intermediary) to the customer account (or the account) and the withdrawal amount input interface for inputting the withdrawal amount information for settlement of the settlement amount by the account transfer method (3325) (Or the operating account) and the bridged customer account, and then transmits the confirmed withdrawal amount information and the cash balance information corresponding to the customer account (or the cache operational account) to the account bridge-based cash settlement interface On the withdrawal amount input interface (3325), and the account including the withdrawal amount input interface And transmits a bridge-based cache settlement interface to the terminal (3330).

According to an embodiment of the present invention, the account bridge-based cash settlement interface includes information on the cash balance information, payment amount information corresponding to the purchase amount, information on a customer account (or a cache operation account) It is preferable to display at least one shopping cart information.

Upon receiving the account bridge-based cache payment interface, the terminal transmits a customer account (or a cache operation account) provided in the affiliate cache system 3205 to the customer account (Or the cash operating account) to the bridge customer account (or relay) and confirms whether the account withdrawal amount for the payment processing of the settlement amount is inputted in the account transfer method (3335).

The account withdrawal amount information is used to replace (or relay) the customer account (or the cache operation account) provided in the affiliate cache system 3205 with the customer account (or the cache operation account) and the bridge customer account And an amount to be withdrawn from the customer account to settle the settlement amount in a transfer mode.

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

Also, it is preferable that the account withdrawal amount information does not exceed the customer account balance (or the withdrawal limit amount).

If the account withdrawal amount is input through the withdrawal amount input interface included in the account bridge-based cash settlement interface (3340), the terminal checks whether the account bridge-based cash settlement is requested through the account bridge- (3345). If the account bridge-based cache settlement is requested (3350), the settlement request information is transmitted to the server through the account bridge-based cache settlement interface (3355).

According to the embodiment of the present invention, the settlement request information includes at least one of the customer account (or cache operation account) information, the settlement amount information, the account withdrawal amount information, and the affiliate information for operating the affiliate cache system 3205 And may further include payment method selection information through the purchase method information and the payment method selection interface according to the intention of those skilled in the art.

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the money management account in the affiliate cache system 3205 As the number, the member ID information of the customer.

Alternatively, the cache operation account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 3205. The account number system may include a customer account in the financial company, And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The settlement amount information preferably includes purchase amount information corresponding to a product purchased by the customer terminal 3297 by connecting to the affiliate server 3200. The settlement amount information for the cache- And cache information corresponding to a currency unit of the affiliate cache system 3205. [

The account withdrawal amount information is used to exchange (or relay) the customer account (or the cache operation account) provided in the affiliate cache system 3205 with the customer account (or the cache operation account) and the bridged customer account And an amount to be withdrawn from the customer account to settle the settlement amount.

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

In addition, it is preferable that the account withdrawal amount information does not exceed the customer account balance (or the withdrawal limit amount).

The affiliate company information may include affiliate identification information corresponding to the affiliate server 3200 operating the affiliate cache system 3205. [

FIG. 34 is a diagram illustrating a non-face-to-face transaction validation process for remote account bridge-based cache settlement between the affiliate cache system 3205 and the account system 3295 according to the third embodiment of the present invention.

In more detail, FIG. 34 shows an account bridge-based cash settlement interface provided to the customer terminal 3297 through the account bridge-based cash settlement request process shown in FIG. 33, or the account bridge- Based authentication between the affiliate cache system 3205 and the accounting system 3295 based on the non-facing authentication interface included in the account bridge-based cash settlement interface after the settlement request information is transmitted through the cashier- The process of confirming the non-face-to-face transaction validity for settlement is as follows. If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 34, the affiliate cache system 3205, (3295) remote account cross-border transaction validation for bridge-based payment Would be able to infer a variety of exemplary methods of the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 34.

Hereinafter, in Fig. 34, the customer terminal 3297 shown in Fig. 32 is referred to as a " terminal "for convenience, and the account bridge server 3210 is referred to as a" server "

Referring to FIG. 34, the account bridge-based cash settlement interface is provided to the customer terminal 3297 through the account bridge-based cash settlement request process shown in FIG. 33, or the account bridge- After the settlement request information is transmitted through the cache settlement interface, the terminal accesses the account bridge system based on the remote account bridge system 3295 between the affiliate cache system 3205 and the account system 3295 through the non-face authentication interface included in the account bridge- Confirmation that the non-face authentication information for confirming the non-face transaction validity for cash settlement is inputted (3400).

The non-face authentication information includes encryption / decryption based authentication information for authenticating the non-face-to-face transaction, authorized certificate-based authentication information for authenticating the non-face-to-face transaction in cooperation with the non-face-to-face authentication system 3293 provided in the financial company in which the customer account is established, A one-time password (OTP), a transaction password, and an account password.

Alternatively, when the customer wireless terminal information for non-face authentication is registered based on one non-face transaction authentication through the non-face authentication system 3293 provided in the financial company, the non-face authentication information may include the non- Face authentication information (for example, an authentication number transmitted to the customer wireless terminal) corresponding to the wireless authentication means using the wireless communication means.

Alternatively, the non-facing authentication information may further include ID / PW information registered in the affiliate cache system 3205 (or the account bridge system).

If the non-facing authentication information for confirming the non-face-to-face transaction validity for remote account bridge-based cache settlement between the affiliate cache system 3205 and the accounting system 3295 is inputted (3405) through the non-face authentication interface, The terminal transmits the entered non-face authentication information to the server through the non-face authentication interface (3410).

According to an embodiment of the present invention, when the non-face authentication information includes at least one of encryption / decryption based authentication information, authorized certificate based authentication information, disposable password, transaction password, and account password, Face authentication system 3293, and the present invention is not limited thereto.

The server then proceeds to settle the settlement amount through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 through the received non-face authentication information, (Or relay) the cash to the balance of the client account (or the cache operation account) and the balance of the bridged customer account to confirm the non-face-to-face transaction validity of the settlement amount (3415).

In a case where the non-face authentication information associated with the non-face authentication system 3293 provided in the financial institution is received according to an embodiment of the present invention, the server transmits the non-face authentication information to a non-face authentication system (3293) to settle the settlement amount through the remote account bridge between the affiliate cache system (3205) and the account system (3295), or to transmit the cache of the affiliate cache system (3205) (Or relaying) the balance of the customer account to the balance of the customer account and the balance of the bridge customer account to confirm the effectiveness of the non-face-to-face transaction.

According to another embodiment of the present invention, in the case of authenticating the non-face-to-face transaction validity using the wireless authentication means using the customer wireless terminal information, the server generates an arbitrary authentication number and transmits it to the customer wireless terminal, The authentication server 300 receives the authentication number input through the non-facing authentication interface included in the account bridge-based cash settlement interface, compares the authentication number transmitted to the customer wireless terminal with the received authentication number, To settle the settlement amount through the remote account bridge between the account system 3295 or to replace the cache of the affiliate cache system 3205 with the balance of the customer account (or the cache operational account) and the bridged customer account It is preferable to authenticate the non-face-to-face transaction validity for payment of the settlement amount.

In a case where non-face authentication information including ID / PW information registered in the affiliate cache system 3205 (or the account bridge system) is received according to another embodiment of the present invention, the server transmits the non- (ID) information stored in the member information D / B (not shown) to settle the settlement amount through the remote account bridge between the affiliate cache system 3205 and the account system 3295, It is preferable to authenticate the non-face-to-face transaction validity of replacing the cache of the system 3205 with the balance of the customer account (or the cache operation account) and the balance of the bridged customer account to settle the settlement amount.

If the non-face-to-face transaction validity for the account bridge-based cache settlement is not confirmed through the non-face authentication information (3420), the server transmits non-face authentication error information to the terminal through the communication channel (3425).

Meanwhile, if the non-face-to-face transaction validity for the account bridge-based cache settlement is confirmed through the non-face authentication information (3420), the server transmits non-face authentication result information to the terminal through a communication channel (3430).

FIGS. 35A and 35B illustrate a cache settlement process of the withdrawal settlement method after pre-booking through the remote account bridge between the affiliate cache system 3205 and the account system 3295 according to the third embodiment of the present invention.

In more detail, FIGS. 35A and 35B illustrate a case where the account bridge-based cash settlement interface is provided to the customer terminal 3297 through the account bridge-based cash settlement request process shown in FIG. 33, When the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface and the validity of the non-face trade for account bridge-based cache settlement is authenticated through the non-face transaction validation process shown in FIG. 34, The billing server 3210 generates payment reservation information for the payment request and stores the payment reservation information in the account bridge D / B 3285 (or the affiliate cache system 3205) (Or automatically acknowledged) in cooperation with the account relay server 3290 provided in the financial institution, the affiliate cache system 3205 and the account system And a process of processing payment settlement through the affiliate cache system 3205 by remotely bridging the affiliate cache server 3295. Those skilled in the art will be able to refer to Figures 35a and 35b It is possible to deduce various methods for the cache settlement process of the withdrawal settlement method after pre-booking through the remote account bridge between the affiliate cache system 3205 and the account system 3295. However, It should be understood that the present invention is not limited to the embodiments shown in FIGS. 35A and 35B.

For example, if a person skilled in the art is familiar with the present invention, a cash settlement process of an immediate payment method (for example, a process of generating and storing payment reservation information and a process of confirming a customer approval) is omitted And the present invention is characterized in that it includes all the methods that can be inferred from the above.

Hereinafter, in the figures 35a and 35b, the customer terminal 3297 shown in FIG. 32 is referred to as a "terminal" for convenience, and the account bridge server 3210 is referred to as a "server" for the sake of convenience.

Referring to FIGS. 35A and 35B, the customer terminal 3297 requests an account bridge-based cache settlement through the account bridge-based cache settlement request process shown in FIG. 33, and the non-face transaction validity If the validity of the non-face-to-face transaction for the account bridge-based cache settlement is authenticated through the confirmation process, the server checks whether the account bridge-based cache settlement of the withdrawal settlement method after the pre-booking is requested from the terminal (3500).

If a payment method other than the account bridge-based cash settlement of the withdrawal payment method after the pre-reservation is requested from the terminal (for example, a pre-payment method or an immediate payment method), the server responds to the requested payment method It is preferable to process the payment.

If the account bridge-based cache settlement request of the withdrawal settlement method is confirmed (3505), the server generates settlement reservation information for account bridge-based cache settlement of the withdrawal settlement method (3510).

According to the method of the present invention, the payment reservation information includes at least one of the reservation payment expiration date information, the automatic payment setting information, the payment instruction information, the customer approval password, and the customer communication means information, The payment amount information included in the information (or the account withdrawal amount information), the affiliate information, and the purchase item information.

Here, the scheduled payment expiration date information includes at least one of date information and time information for expiration of reservation payment of the withdrawal payment method after the pre-reservation, and after the expiration date of the reservation payment, It is preferable that the settlement process is automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , Payment processing through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that payment processing through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or generated), or the password of the member information registered through the information registration procedure such as the account registration system shown in FIG. 2 or registered in the affiliate server 3200 (or the affiliate cache system 3205) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the payment reservation information is generated, the server associates the client account (or the cache operation account) information with the account withdrawal amount information and the generated payment reservation information and transmits the account bridge D / B 3285 (or the affiliate cache system 3205) (3515).

Then, the server confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) The customer approval for the reservation payment is confirmed at least once through the payment reservation information (3520).

According to the embodiment of the present invention, the server checks the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) (Or message) including payment instruction information included in the payment reservation information at least once before the payment expiration date and time, and a password input interface for inputting and transmitting the customer approval password, To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the client approval request information (or message) is transmitted to the customer communication means, the server transmits the request to the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, (Or a terminal using a messenger) received via the password input interface, and transmits the received customer approval password to the account bridge D / B 3285 (or the affiliate cache system 3205) It is preferable to confirm the customer approval for settlement processing of the settlement amount through the remote account bridge between the affiliate cache system 3205 and the account system 3295 by comparing with the customer approval password of the reservation information.

If the customer approval for the reservation payment is not confirmed at step 3525, the server associates with the account bridge D / B 3285 (or the affiliate cache system 3205) The subscription cache system 3205 determines whether the settlement date and time have elapsed in step 3530. If the expiration date of the subscription has elapsed in step 3535, The automatic payment processing information is read, and automatic cancellation or automatic approval of the reservation payment is confirmed (3540).

If the automatic cancellation of the reservation payment is confirmed (3545), the server processes the payment cancellation information for the automatic cancellation by the affiliate cash system 3205 as payment details information (i.e., (3550), and transmits the payment history information to the customer communication means (3555).

On the other hand, if the customer approval for the reservation payment is confirmed (3525) or if the automatic approval for the reservation payment is confirmed (3545), the server transmits a remote account bridge between the affiliate cache system 3205 and the account system 3295 (Or the cash management account) information and the account withdrawal amount information to the account relay server 3290 provided in the financial company (3560).

Thereafter, the server checks whether transaction history information on the account withdrawal amount information is received from the account relay server 3290 provided in the financial institution (3565).

If the transaction history information on the account withdrawal amount information is received from the account relay server 3290 (3570), the server reads the transaction history information and confirms whether the transaction has been approved (3575).

If it is determined in step 3580 that the transaction approval information on the transaction history information is not confirmed, the server processes the transaction history including the transaction unauthorized information as the payment history information in step 3585 by the affiliate cache system 3205, , And transmits payment history information for the account bridge-based cash settlement to the terminal (step 3596).

On the other hand, if it is determined in step 3580 that the transaction approval information on the transaction history information is confirmed, the server processes the transaction history information as the charge details of the affiliate cache system 3205 and applies the transaction history information in step 3590, (Or the cash account balance) corresponding to the customer account (or the cache operation account) from the corresponding account withdrawal amount to the new cash balance corresponding to the customer account (or the cache operation account) Corresponding to the cash balance processing in association with the affiliate cache system 3205. The accounting bridge D / B 3285 processes the account balance D / B 3285 (or the affiliate cache system 3205) (3594), and transmits payment history information for the account bridge-based cash settlement to the customer communication means (3596).

FIGS. 36A and 36B are diagrams illustrating a cache settlement process of a post-withdrawal reservation payment method through a remote account bridge between the affiliate cache system 3205 and the account system 3295 according to the third embodiment of the present invention.

In more detail, FIGS. 36A and 36B show an account bridge-based cash settlement interface provided to the customer terminal 3297 through the account bridge-based cash settlement request process shown in FIG. 33, When the account bridge-based cache settlement is requested through the account bridge-based cache settlement interface and the validity of the non-face trade for account bridge-based cache settlement is authenticated through the non-face transaction validation process shown in FIG. 34, The account bridge server 3210 shown in FIG. 4B interworks with the account relay server 3290 provided in the financial institution to remotely bridge the affiliate cache system 3205 and the account system 3295 to withdraw the account withdrawal amount from the customer account, After depositing (or transferring) the money to the management account, payment reservation information for the payment request is generated, In the D / B 3285 (or the affiliate cache system 3205), and processing payment payment through the affiliate cache system 3205 based on the customer approval (or automatic approval) for the payment reservation Those skilled in the art will appreciate that reference to and / or modification of Figures 36a and 36b may be utilized by remote account bridging between the affiliate cache system 3205 and the accounting system 3295, It is to be understood that the present invention is not limited to the method shown in FIGS. 36A and 36B, but includes all of the above-described embodiments. .

For example, if a person skilled in the art is familiar with the present invention, a cash settlement process of an immediate settlement scheme (for example, a settlement reservation information creation and storage process and a customer approval confirmation process are omitted) And the present invention is characterized in that it includes all the methods that can be inferred from the above.

Hereinafter, in the drawings 36a and 36b, the customer terminal 3297 shown in FIG. 32 is referred to as a "terminal" for convenience, and the account bridge server 3210 is referred to as a "server"

Referring to FIGS. 36A and 36B, the customer terminal 3297 requests an account bridge-based cache settlement through the account bridge-based cache settlement request process shown in FIG. 33, and the non-face transaction validity If the validity of the non-face-to-face transaction for the account bridge-based cache settlement is authenticated through the confirmation process, the server confirms whether account bridge-based cache settlement is requested from the terminal (step 3600).

If a payment method other than the account bridge-based cash settlement of the post-withdrawal payment method is requested from the terminal (for example, a prepaid settlement method or an immediate payment method), the server responds to the requested payment method It is preferable to process the payment.

If the account bridge-based cache settlement request of the pre-payment method is confirmed (3605), the server accesses the client account (or cache Operating account information and account withdrawal amount information to the account relay server 3290 provided in the financial institution (3610).

Thereafter, the server checks whether transaction history information on the account withdrawal amount information is received from the account relay server 3290 provided in the financial institution (3615).

If the transaction history information on the account withdrawal amount information is received from the account relay server 3290 (step 3670), the server reads the transaction history information and confirms whether the transaction is approved (step 3625).

If the transaction approval information for the transaction history information is not confirmed 3630, the server processes transaction details including the transaction unauthorized information as payment history information by the affiliate cache system 3205 (3635) , And transmits the payment history information for the account bridge-based cash settlement to the subscriber station (step 3640).

On the other hand, if it is determined that the transaction approval information for the transaction details information is confirmed (3630), the server generates payment reservation information for account bridge-based cash settlement of the pre-payment method (3645).

According to the method of the present invention, the payment reservation information includes at least one of the reservation payment expiration date information, the automatic payment setting information, the payment instruction information, the customer approval password, and the customer communication means information, The payment amount information included in the information (or the account withdrawal amount information), the affiliate information, and the purchase item information.

Here, the scheduled payment expiration date information includes at least one of date information and time information for expiration of reservation payment of the pre-payment method after the pre-payment, and after the expiration date of the reservation payment, It is preferable that the settlement process is automatically canceled or automatically approved.

Preferably, the automatic payment setting information includes information for automatically canceling or automatically approving the payment process for the payment amount included in the payment request information after the reservation payment expiration date and time.

In the case where automatic cancellation is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information , Payment processing through the remote account bridge between the affiliate cache system 3205 and the account system 3295 is automatically canceled.

When automatic approval is set after the reservation payment expiration date and time based on the automatic payment setting information according to an embodiment of the present invention, even if the customer approval through the customer authorization password is not confirmed until the reservation payment expiration date and time included in the payment reservation information It is preferable that payment processing through the remote account bridge between the affiliate cache system 3205 and the accounting system 3295 is automatically processed and approved.

The settlement instruction information is used to identify a reservation settlement for a settlement amount included in the settlement request information among a plurality of reservations, an identification number (or a unique code for identifying a reservation settlement to acquire the customer approval through the customer communication means) ).

Wherein the customer approval password is a password registered for confirming a customer approval for a reservation payment corresponding to the payment instruction information before the reservation payment expiration date and time and the customer approval password is registered as a disposable password at the time of each reservation payment (Or generated), or the password of the member information registered through the information registration procedure such as the account registration system shown in FIG. 2 or registered in the affiliate server 3200 (or the affiliate cache system 3205) Is preferably used.

The customer communication means information is information for transmitting the customer approval request information (or message) to the customer in order to confirm the customer approval for the payment process, And may include at least one information for receiving the customer approval request information (or message) such as the customer's mail address information and the messenger account information according to the intention of the person skilled in the art.

When the payment reservation information is generated, the server associates the client account (or the cache operation account) information with the account withdrawal amount information and the generated payment reservation information and transmits the account bridge D / B 3285 (or the affiliate cache system 3205) (3650).

Then, the server confirms the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) The customer approval for the reservation payment is confirmed at least once through the payment reservation information (3655).

According to the embodiment of the present invention, the server checks the reservation payment expiration date information included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) (Or message) including payment instruction information included in the payment reservation information at least once before the payment expiration date and time, and a password input interface for inputting and transmitting the customer approval password, To the customer communication means.

For example, when the customer communication means information includes the customer wireless terminal information, the customer approval request information (or message) includes a callback for providing a wireless page for inputting a customer approval password to the customer wireless terminal, And a wireless message including a URL.

Alternatively, when the customer communication means information includes the customer mail address information, the customer approval request information (or message) is transmitted to the customer terminal that confirms the payment instruction information and the mail, (Or directly include a password input interface for inputting and transmitting the customer approval password).

According to the embodiment of the present invention, the customer approval request information (or message) includes at least one of payment amount information, affiliate information (for example, shopping mall information) included in the payment reservation information, and purchase product information desirable.

After the client approval request information (or message) is transmitted to the customer communication means, the server transmits the request to the terminal corresponding to the customer communication means (e.g., the wireless terminal corresponding to the customer wireless terminal information, (Or a terminal using a messenger) received via the password input interface, and transmits the received customer approval password to the account bridge D / B 3285 (or the affiliate cache system 3205) It is preferable to confirm the customer approval for settlement processing of the settlement amount through the remote account bridge between the affiliate cache system 3205 and the account system 3295 by comparing with the customer approval password of the reservation information.

If the customer's approval for the reservation payment is not confirmed 3660, the server transmits the reservation payment expiration date and time included in the payment reservation information in association with the account bridge D / B 3285 (or the affiliate cache system 3205) (3665). If the expiration date and time of the reservation payment has elapsed (3670), it is checked whether or not the account settlement D / B 3285 (or the affiliate cache system 3205) The automatic payment processing information is read, and automatic cancellation or automatic approval of the reservation payment is confirmed (3675).

If the automatic cancellation of the reservation payment is confirmed 3680, the server processes the transaction details information included in the payment reservation information as the refund details of the affiliate cache system 3205 in response to the automatic cancellation 3682 ), And transmits the refund history information to the customer communication means (3684).

If the customer approval for the reservation payment is confirmed 3660 or if the automatic approval for the reservation payment is confirmed 3680, the server transmits the account bridge D / B 3285 (or the affiliate cache system 3205) (3686), the transaction details information included in the payment reservation information is processed in step 3688 as the charge details of the affiliate cache system 3205 (3688), and the transaction history information corresponding to the charge details The amount of money subtracted from the amount of money withdrawn from the account withdrawal amount and the cash balance corresponding to the customer account (or the cache operational account) is processed as a new cash balance corresponding to the customer account (or the cache operational account) And applies it to the account bridge D / B 3285 (or the affiliate cache system 3205) (3690), and associates with the affiliate cache system 3205 to the account corresponding to the cash balance processing Generating a payment history of the ridge and billing based cache (3692), and transmits and outputs the billing history information for the payment to the customer account based cache bridge communication means (3694).

FIG. 37 is a diagram illustrating a remote account bridge-based cash settlement system between an accounting system 3765 and an affiliate cache system 3705 according to a third embodiment of the present invention.

In more detail, FIG. 37 shows an example in which a customer terminal 3770 accesses an affiliate server 3700 having an affiliate cache system 3705 to purchase at least one type or an intangible product, The account bridge server 3710 shown in FIG. 28 or FIG. 32 transmits the customer account (or cache operation account) information and the account withdrawal amount information by requesting payment through the affiliate cache system 3705, (Or transfer) the client account (or the cache operation account) information and the bridged customer account information, withdraws the account withdrawal amount from the customer account, and deposits (or transfers) the account withdrawal amount to the partner's financial account To the account system 3765 to withdraw the account withdrawal amount from the customer account and deposit (or transfer) the account withdrawal amount to the account management account of the affiliate (Or transfer) transaction information to the account bridge server 3710 in response to the deposit (or transfer) transaction after processing the financial transaction in which the deposit (or transfer) transaction is performed. It is possible to refer to and / or modify this FIG. 37 to infer various implementations of the remote account bridge-based cash settlement system configuration between the accounting system 3765 and the affiliate cache system 3705, All of the above-described embodiments are included, and the present invention is not limited to the method shown in FIG.

Referring to FIG. 37, which illustrates an embodiment of the present invention, a remote account bridge-based cash settlement system between the accounting system 3765 and the affiliate cache system 3705 comprises one or more browser programs, A customer terminal 3770 connected to a communication network and connected to the customer terminal 3770 through the communication network 3700. When the customer terminal 3770 accesses the customer terminal 3770 through the communication network, Based on the funds deposited in the funds management account of the non-financial partners established in the financial company, the affiliate server 3700 that sells the products of the affiliate server 3700 An affiliate cache system 3705 for processing the purchase price of the purchased product at the customer terminal 3770, Based cash settlement interface for account bridge-based cash settlement to the customer terminal 3770. The customer terminal 3770 provides the settlement request information through the account bridge-based cash settlement interface, An account bridge server 3710 for transmitting the customer account (or the cache operation account) information and the account withdrawal amount information to the account relay server 3720 provided in the financial company when the user inputs (or selects) (Or a functional name of the account bridge system), customer account information (or cache operation account) information and bridged customer account information, withdraws the account withdrawal amount from the customer account, and deposits the withdrawal amount into the account of the affiliate company (Or transfer) a transaction request message to the accounting system 3765, (Or transfer) the deposit withdrawal amount to the account management server of the affiliate company, and then transmits the transaction details information corresponding to the deposit (or transfer) transaction to the account bridge server 3710 And an account system 3765 for operating the relay server 3720 (= the functional name of the account relay system), the money management account of the non-financial affiliate, and one or more customer accounts.

However, the present invention is not limited thereto. The account relay server 3720 may include at least two account servers for each component, The present invention can be implemented in the form of a server group.

That is, it is clear that the account relay server 3720 corresponds to the functional name of the account relay system shown in FIG. 1, and is not limited to the physical name.

The customer terminal 3770, the affiliate server 3700, the affiliate cache system 3705 and the account bridge server 3710 refer to the contents shown in FIG. 28 or FIG. 32, The description will be omitted for convenience.

According to the embodiment of the present invention, the account relay server 3720 associates and stores the affiliate company information, customer account (or cache operation account) information, and customer account information registered through the account registration system shown in FIG. 2 , An account relay D / B 3760 that stores one or more customer personal information and customer wireless terminal information in association with each other, or interworking through a network, and the account relay D / B 3760 (Or a cache operating account) and further stores the customer account balance information for the bridged customer account in association with the customer account (or the cash management account of the non-financial partner) It is preferable to further associate the withdrawal amount information with the withdrawal amount information corresponding to the remotely bridged customer account information The.

Here, it is preferable that the funds management account information is account information of a name of a non-financial affiliate operating the fund of the affiliate cache system 3705, and the fund management account is opened in the account system 3765.

According to another embodiment of the present invention, the fund management account can be opened in the external accounting system 3765, and thus the present invention is not limited thereto.

Preferably, the account balance information includes a balance amount of a customer account opened in the account system 3765. The account relay server 3720 may associate the customer account balance with the account system 3765 It is desirable to update the customer account balance periodically (or in response to a customer account balance change event via account system 3765).

If the account relay server 3720 queries the customer account balance information in real time in association with the accounting system 3765, the cash balance information may be omitted in the account relay D / B 3760, The present invention is not limited thereto.

The recommended withdrawal amount information is used when the non-financial affiliate withdraws from the client account (or the cache operation account) bridged with the customer account (or the non-financial affiliate name) in the payment processing of the payment amount using the affiliate cache system 3705 It is preferable to include an amount set for depositing (or transferring) money to the fund management account, and may be omitted according to the intention of a person skilled in the art.

The charging ceiling amount information is used when the non-financial affiliate withdraws from the customer account (or the cache operational account) and the bridged customer account at the payment processing of the payment amount using the affiliate cache system 3705, The amount of money to be deposited (or transferred) to the fund management account is preferably a sum of at least one of a ceiling amount, a daily ceiling amount, a weekly ceiling amount, and a monthly ceiling amount.

Referring to FIG. 37, when the account relay server 3720 transmits the customer account (or cache operation account) information and the account withdrawal amount information in the account bridge server 3710 shown in FIG. 28 or FIG. 32, An information receiving unit 3725 (or an information receiving means) for receiving a customer account (or a cache operation account) information and an account withdrawal amount information and a client account An account checking unit 3730 (or an account checking means) for confirming the information of the operating account and the bridged customer account information and confirming the information on the account management account of the affiliate linked to the customer account (or the cache operating account) A professional generating unit 3740 (or a professional generating unit) for generating a transaction request message for withdrawing the account withdrawal amount from the customer account and depositing (or transferring) the account withdrawal amount to the partner's financial account, (Or a transaction) for processing a financial transaction for providing the account request system to the account system 3765 and withdrawing the account withdrawal amount from the customer account and depositing (or transferring) the account withdrawal amount to the account management account of the affiliate (Or a history generating unit) 3750 for generating transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information confirmed by the accounting system 3765, And a history transmission unit 3755 (or a history transmission means) for transmitting the generated transaction history information to the account bridge server 3710, wherein the client account (or cache operation account) And a transaction validity checking unit 3735 (or a transaction validity checking unit) for confirming the transaction validity with respect to the customer account.

When the account bridge server 3710 shown in FIG. 28 or 32 transmits the client account (or cache operation account) information and the account withdrawal amount information for the account bridge-based payment processing, the information receiver 3725 transmits (Or cash management account) information and account withdrawal amount information from the account bridge server 3710. The information receiving unit 3725 may be an external system provided in the financial institution, It is preferable to receive the customer account (or cache operation account) information and the account withdrawal amount information.

According to an embodiment of the present invention, the information receiver 3725 receives the customer account (or cache operation account) information and the account withdrawal amount 3720 through a communication network connecting the account bridge server 3710 and the account relay server 3720 It is preferable to receive the information.

According to another embodiment of the present invention, the information receiver 3725 receives the client account (or the cache operation account) via the gateway 3715 that relays the account bridge server 3710 and the account relay server 3720, It is possible to receive the information and the account withdrawal amount information, and thus the present invention is not limited thereto.

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the fund management account in the affiliate cache system 3705 As the number, the member ID information of the customer.

Alternatively, the cache operational account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 3705, and the account number system may include a customer account in the financial institution And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The account withdrawal amount information includes an amount to be withdrawn from the client account (or the cache operation account) bridged for the account bridge-based settlement processing and to be deposited (or transferred) to the account of the affiliate company desirable.

According to an embodiment of the present invention, the account bridge server 3710 shown in FIG. 28 or 32 is confirmed through the non-face authentication system of the financial company for account bridge-based payment processing, It is preferable to further transmit the non-face authentication result information confirmed by the wireless authentication means. In this case, the information receiving unit 3725 preferably further receives the non-face authentication result information from the account bridge server 3710 .

According to the method of the present invention, the account bridge server 3710 shown in FIG. 28 or FIG. 32 can further transmit the non-face authentication information received from the customer terminal 3770 for the account bridge- Face authentication information to the information receiving unit 3725. In this case, the information receiving unit 3725 preferably receives the non-face-to-face authentication information, and the transaction validity checking unit 3735 determines whether the non-face- It is desirable to check the transaction validity of the account bridge-based payment processing.

According to the method of the present invention, the account bridge server 3710 shown in FIG. 28 or 32 can transmit only the client account (or cache operation account) information for account bridge-based payment processing, The information receiving unit 3725 preferably receives the customer account (or cache operation account) information from the account bridge server 3710. The account checking unit 3730 receives the customer account (or cache operation account) And the account relay server 3720 checks at least one of the customer account balance information, the recommended withdrawal amount information, and the withdrawal limit amount information for the customer account information, And an information transmitting unit 3710 for transmitting the information to the terminal 3710.

When the customer account (or the cache operation account) information and the account withdrawal amount information are received through the information receiving unit 3725, the account checking unit 3730 checks the account information (Or cache operating account) information and bridged customer account information.

In addition, the account checking unit 3730 checks the affiliate information associated with the customer account (or cache operation account) information in association with the account relay D / B 3760, and identifies the affiliate information associated with the affiliate information And the fund management account information is confirmed.

When the customer account information is confirmed through the account checking unit 3730, the transaction validity checking unit 3735 checks the account relay D / B 3760 (or the accounting system 3765 in which the customer account is established) And compares the account withdrawal amount information with the customer account balance to process the transaction validity as confirmed when the customer account balance is larger than the account withdrawal amount.

Also, the transaction validity checking unit 3735 confirms the withdrawal limit amount information for the customer account in connection with the account relay D / B 3760, compares the withdrawal amount information with the withdrawal limit amount, If the withdrawal limit amount is larger than the account withdrawal amount, it is regarded that the transaction validity is confirmed.

When the non-face authentication result information is received from the account bridge server 3710 through the information receiving unit 3725 according to the embodiment of the present invention, the transaction validity checking unit 3735 reads the non-face authentication result information It is preferable to confirm the transaction validity of the account bridge-based settlement processing.

Alternatively, when the non-face authentication information is received through the information receiving unit 3725, the transaction validity checking unit 3735 determines whether the account bridge based settlement processing is performed through the non-face authentication information in association with the non- It is desirable to confirm the effectiveness of the transaction.

When the customer account information (or the cache operation account) and the bridged customer account information are confirmed through the account checking unit 3730 and the information on the operation account of the partner company is confirmed, the specialist generating unit 3740 generates the special account information (Or transfer) the withdrawal amount of the account from the fund management account of the affiliated company to the fund management account of the affiliate. The transaction request telegram includes a recognizable professional structure in the account system 3765 .

Those skilled in the art will be familiar with the specialized structure defined in the accounting system for individual financial institutions (3765), and a detailed description thereof will be omitted for the sake of convenience.

The transaction processor 3745 provides the transaction request telegram to the accounting system 3765 to withdraw the account withdrawal amount from the customer account, (Or transfer) the financial transaction to the affiliate financial transaction account, and receives the transaction result information corresponding to the transaction request telegram from the accounting system (3765).

The history generating unit 3750 generates transaction history information corresponding to the deposit (or transfer) transaction based on the transaction result information confirmed from the accounting system 3765.

Here, the transaction history information may include an information structure that can be easily changed (or replaced) into charge detail information provided in the affiliate cache system 3705 bridged remotely with the accounting system 3765.

For example, when the account relay server 3720 interlocks with the account bridge server 3710 linked to two or more different affiliate cache systems 3705, the history generating unit 3750 generates a history It is possible to check the account bridge server 3710 and the affiliate cache system 3705 that have transmitted the account (or the cache operating account) information and to easily change (or replace) the charging history information by the confirmed affiliate cache system 3705 It is preferable to generate transaction history information including the information configuration.

When the transaction history information is generated, the history transmission unit 3755 transmits the generated transaction history information to the account bridge server 3710. In response to the transaction history information, the account bridge server 3710 transmits the transaction history information to the account bridge server 3710, It is preferable to receive the transaction history information and process the received transaction history information as the charge details of the affiliate cache system 3705 and apply the processing to the affiliate cache system 3705. [

FIG. 38 is a diagram illustrating a remote account bridge-based cache settlement process between the accounting system 3765 and the affiliate cache system 3705 according to the third embodiment of the present invention.

In more detail, FIG. 38 is a flowchart illustrating an example of an operation of accessing an affiliate server 3700 having an affiliate cache system 3705 in the customer terminal 3770, purchasing one or more types or intangible goods, (Or cache operation account) information and account withdrawal amount information from the account bridge server 3710 shown in FIG. 28 or FIG. 32 by requesting payment through the affiliate cache system 3705, The account relay server 3720 shown in FIG. 37 checks the customer account (or the cache operation account) information and the bridged customer account information, withdraws the account withdrawal amount from the customer account, (Or transfer) a transaction request message to the accounting system 3765 and provides the account withdrawal amount from the customer account The transaction history information corresponding to the deposit (or transfer) transaction is processed by the account bridge server 3710 shown in FIG. 28 or FIG. 32 after processing the financial transaction to deposit (or transfer) 38, the remote accounting bridge 3750 between the accounting system 3765 and the affiliate cache system 3705 may refer to and / or modify the FIG. 38, Based cash settlement process. However, the present invention includes all of the above-mentioned embodiments, and is not limited to the method shown in FIG. 38.

Hereinafter, in FIG. 38, the account relay server 3720 shown in FIG. 37 is referred to as a "server" for the sake of convenience.

The customer terminal 3770 accesses the affiliate server 3700 having the affiliate cache system 3705 to purchase at least one type or intangible commodity and transmits a purchase price for the purchased commodity to the affiliate cache system 3705 ), The account bridge server 3710 shown in FIG. 28 or FIG. 32 transmits the client account (or cache operation account) information and the account withdrawal amount information to the server, (3800) the client account (or cache operation account) information and the account withdrawal amount information from the server from the bridge server (3710).

Here, the customer account information may include a customer identification (ID) for identifying an amount of money deposited (or transferred) through a payment means (or a customer account) of a specific customer out of the amounts deposited in the fund management account in the affiliate cache system 3705 As the number, the member ID information of the customer.

Alternatively, the cache operational account information may include an account number for storing, recording, and managing the cash balance of the affiliate cache system 3705, and the account number system may include a customer account in the financial institution And a virtual account number system for remotely bridging.

According to an embodiment of the present invention, the cache operational account information includes at least one of an affiliate identification number for identifying the non-financial affiliate, a financial institution identification number for identifying the financial account in which the customer account is opened, and an account serial number and check sum .

The account withdrawal amount information includes an amount to be withdrawn from the client account (or the cache operation account) bridged for the account bridge-based settlement processing and to be deposited (or transferred) to the account of the affiliate company desirable.

According to an embodiment of the present invention, the account bridge server 3710 shown in FIG. 28 or 32 is confirmed through the non-face authentication system of the financial company for account bridge-based payment processing, It is preferable that the non-face authentication result information confirmed by the wireless authentication means is further transmitted. In this case, the account relay server 3720 preferably further receives the non-face authentication result information from the account bridge server 3710 Do.

According to the method of the present invention, the account bridge server 3710 shown in FIG. 28 or FIG. 32 can further transmit the non-face authentication information received from the customer terminal 3770 for the account bridge- In this case, the account relay server 3720 receives the non-face authentication information and checks the transaction validity of the account bridge-based payment processing through the non-face authentication information in cooperation with the non-face authentication system of the financial company .

According to the method of the present invention, the account bridge server 3710 shown in FIG. 28 or 32 can transmit only the client account (or cache operation account) information for account bridge-based payment processing, The account relay server 3720 receives the client account (or cache operation account) information from the account bridge server 3710 and verifies the client account (or cache operation account) information and the bridged customer account information, It is preferable that at least one of the customer account balance information, the recommended withdrawal amount information, and the withdrawal limit amount information of the customer account information is transmitted to the account bridge server 3710.

When the client account (or cache operation account) information and the account withdrawal amount information are received, the server confirms the client account (or cache operation account) information and the bridged customer account information, (3805) of the partner's financial account information linked to the information.

According to an embodiment of the present invention, the server preferably confirms the client account (or cache operation account) information and the bridged client account information in association with the account relay D / B 3760.

Also, the server confirms the affiliate information associated with the client account (or the cache operational account) information in association with the account relay D / B 3760, and stores the affiliate company's financial account information of the affiliate linked to the affiliate information It is desirable to confirm.

If the customer account information and the account information of the partner company are confirmed 3810, the server confirms the transaction validity of the customer account (or the cache account information) and the bridged customer account 3815, Face transaction validity for the account bridge-based cache settlement in the account bridge server 3710 of FIG.

According to the method of the present invention, the server checks the customer account balance in connection with the account relay D / B 3760 (or the accounting system 3765 in which the customer account is established) And compares the customer account balance with the account withdrawal amount, and when the customer account balance is larger than the account withdrawal amount, it is preferable that the transaction validity is confirmed.

Also, the server confirms the withdrawal limit amount information for the customer account in connection with the account relay D / B 3760, compares the withdrawal amount information with the withdrawal limit amount, If it is larger than the withdrawal amount, it is preferable that the transaction validity is confirmed.

When the non-face authentication result information is received from the account bridge server 3710 according to the embodiment of the present invention, the server reads the non-face authentication result information and verifies the transaction validity of the account bridge-based payment processing .

Alternatively, when non-face authentication information is received from the account bridge server 3710, the server checks the transaction validity of the account bridge-based payment processing through the non-face authentication information in cooperation with the non-face authentication system of the financial institution .

If the transaction validity is not confirmed 3820, the server generates transaction history information including the account validity error information corresponding to the transaction validity result 3825, and transmits the transaction history information to the account bridge of the affiliate To the server 3710 (3860).

On the other hand, if the transaction validity is not confirmed (3820), the server generates (or configures) a transaction request message for withdrawing the account withdrawal amount from the customer account and depositing (or transferring) the account withdrawal amount to the partner's financial account 3830).

Here, the transaction request telegram may include a specialized structure recognizable by the accounting system 3765.

Those skilled in the art will appreciate the specialized structure defined in the accounting system for individual financial institutions (3765), and a detailed description thereof will be omitted for the sake of convenience.

If a transaction request message for withdrawing the account withdrawal amount from the customer account and depositing (or transferring) the account withdrawal amount to the partner's account is generated 3835, the server transmits the transaction request message to the accounting system 3765 (3840), the financial transaction for withdrawing the account withdrawal amount from the customer account and depositing (or transferring) the account withdrawal amount to the affiliate financial account is processed.

If the financial transaction for withdrawing the account withdrawal amount from the customer account in the account system 3765 and depositing (or transferring) the account withdrawal amount to the account of the affiliate is processed (3845), the server receives from the account system 3765 The transaction result information corresponding to the transaction request telegram is received (3850), and transaction history information corresponding to the deposit (or transfer) transaction is generated based on the received transaction result information (3855).

Here, the transaction history information may include an information structure that can be easily changed (or replaced) into charge detail information provided in the affiliate cache system 3705 bridged remotely with the accounting system 3765.

For example, when the account relay server 3720 interlocks with the account bridge server 3710 linked to two or more different affiliate cache systems 3705, the history generating unit 3750 generates a history It is possible to check the account bridge server 3710 and the affiliate cache system 3705 that have transmitted the account (or the cache operating account) information and to easily change (or replace) the charging history information by the confirmed affiliate cache system 3705 It is preferable to generate transaction history information including the information configuration.

Thereafter, the server transmits the generated transaction history information to the account bridge server 3710 of the partner company (3860).

100: Affiliate Server 105: Affiliate Cache System
110: Account Bridge System 115: Gateway
120: Account Relay System 125: Account System
130: Customer terminal

Claims (4)

A system for interlocking with a financial system of a financial institution that interlocks with a cash system of a non-financial affiliate operating a cash operating account for cash transactions of a non-financial affiliate and opens and operates a cash management account linked to the cash operating account of the cash system In the method carried out through the method,
A first step of confirming information on a cache operational account operated through a cache system of the non-financial affiliate and confirming information on a fund management account opened in the financial system of the financial institution;
A second step of constructing and storing information for remotely bridging the cash management account of the cache system and the money management account of the financial system;
A transaction history corresponding to the transaction is recorded in the cash management account of the financial system and the cash management account of the bridged cash system by confirming the transaction of the cash management account associated with the cash management account of the cache system in cooperation with the financial system of the financial institution And a third step of processing the transaction to be recorded
The method according to claim 1,
The first step includes confirming information about a virtual account linked to a money management account opened in the financial system of the financial company,
Wherein the second step comprises constructing and storing information for remotely bridging a virtual account associated with the fund management account and a cache operational account of the cache system.
The method according to claim 1,
Further comprising the step of requesting transfer from the financial account of the customer name opened in the financial institution in cooperation with the financial system to deposit the funds corresponding to the amount into the cache operating account of the cache system and the bridged fund operating account,
Wherein the third step includes processing the transaction details of the transfer transaction corresponding to the transfer request to be recorded in the cash management account of the bridge system and the cash management account of the financial system. How to operate a transaction using a bridge.
The method according to claim 1,
Further comprising processing the transaction history corresponding to settlement or withdrawal transaction through the cache system to be recorded at the time of settlement or withdrawal transaction using the cash balance of the cache operation account through the cache system. How to operate a transaction using a bridge.

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