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1. 发明公开

KR1020080065963A 결제처리 방법 无效
标题翻译：处理付款的方法
公开(公告)号：KR1020080065963A
公开(公告)日：2008-07-15
申请号：KR1020080063132
申请日：2008-06-30
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q20/34 , G06Q40/02
CPC分类号： G06Q20/34 , G06Q40/02
摘要： A method for processing payment is provided to process a payment amount of a beneficiary through a virtual payment account and/or a payment tool linked with a card by issuing the card, which is linked with the virtual payment account for receiving a fund from a national organ and/or an insurance company, to the beneficiary and linking the card with the payment tool of the beneficiary. An amount charged to a beneficiary is checked by excluding the amount to be processed with the amount paid to the beneficiary from a virtual payment amount among total payment amount when payment is processed by using a card, which is equipped with a payment tool for processing card payment and is linked with the virtual payment account opened by using a name of the beneficiary(2510). A payment approval request message for requesting payment approval using the payment tool included in the card is generated by calculating the amount charged to the beneficiary as the payment amount(2515). The generated message is transmitted to a payment server through a payment network(2525).
摘要翻译：提供一种处理付款的方法，用于通过虚拟支付帐户和/或与卡相关联的支付工具来处理受益人的付款金额，该卡通过发行与虚拟支付帐户相关联的卡，该虚拟支付帐户从国家接收基金机构和/或保险公司，向受益人提供服务，并将该卡片与受益人的付款工具联系起来。通过使用配备有用于处理卡的支付工具的卡，通过使用卡处理支付处理的总付款金额中的虚拟支付金额从付款给付给受益人的金额排除所收取的金额并通过使用受益人的姓名（2510）与虚拟支付帐户关联。使用包含在卡中的支付工具来请求支付批准的付款许可请求消息是通过计算向受益人收取的金额作为支付金额而生成的（2515）。生成的消息通过支付网络（2525）发送到支付服务器。

2. 发明公开

KR1020080052780A 신용카드 이용한도 설정방법 및 시스템과 이를 위한프로그램 기록매체 无效
标题翻译：使用限制和程序记录介质设置信用的系统和方法
公开(公告)号：KR1020080052780A
公开(公告)日：2008-06-12
申请号：KR1020060124385
申请日：2006-12-08
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q40/02 , G06Q20/24
CPC分类号： G06Q40/025 , G06Q20/24
摘要： A system and a method for setting limit to a credit card and a program recording medium thereof are provided to offer services discriminated from other banks and take a welfare fund of the government by setting a monthly voucher as the limit of a voucher credit card and increasing the limit of the voucher credit card as much as the remaining balance of the voucher received in a previous month. A message receiver(905) receives a payment approval request message including voucher credit card information and a payment amount from a payment terminal. An information checker(910) checks the information of a virtual account linked with the voucher credit card by linking with a storage medium(935). A limit checker(930) checks limit of the voucher credit card by checking a voucher unused in a previous month from the virtual account or the voucher to be received from a welfare fund management organ in the current month. A payment approver(920) processes the payment amount included in the received message based on a limit check result. A message transmitter(915) generates and transmits a payment approval message including payment details to the payment terminal.
摘要翻译：提供一种限制信用卡及其程序记录介质的系统和方法，以提供与其他银行进行歧视的服务，并通过设置每月凭证作为凭证信用卡的限制并提取政府的福利基金，并增加优惠券信用卡的限额与前一个月收到的凭证剩余余额一样多。消息接收器（905）从付款终端接收包括凭证信用卡信息和支付金额的支付批准请求消息。信息检查器（910）通过与存储介质（935）链接来检查与凭单信用卡链接的虚拟帐户的信息。限额检查员（930）通过从当前月份的福利基金管理机构的虚拟账户或凭证获取上一个月未使用的凭证来检查凭证信用卡的限制。支付审批者（920）根据限制检查结果处理接收到的消息中包含的支付金额。消息发送器（915）生成并向支付终端发送包括支付细节的支付批准消息。

3. 发明公开

KR1020080052725A 지급 가상계좌 운용 방법과 이를 위한 프로그램 기록매체 无效
标题翻译：用于操作付费虚拟帐户和程序记录介质的方法
公开(公告)号：KR1020080052725A
公开(公告)日：2008-06-12
申请号：KR1020060124250
申请日：2006-12-08
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/38
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/387
摘要： A method for operating a virtual payment account and a program recording medium thereof are provided to enable a voucher receiver to use a welfare fund, which is managed for the voucher receivers by a welfare management organ, conveniently through an online account linked with a virtual voucher payment account. An online account opener opens an online account, which is linked with a virtual payment account, by using a customer name. An information storing part stores virtual payment account information of a customer to a storage medium by linking with the online account of the customer(1945). The virtual payment account of the customer uses an account of a fund manager as a mother account. A banking transaction requester requests a banking transaction through the virtual payment account linked with the online account by connecting to the online account. A banking transaction processor processes the requested banking transaction through the virtual payment account linked with the online account. The banking transaction includes at least one of an inquiry transaction for the virtual payment account and a transfer transaction through the virtual payment account.
摘要翻译：提供用于操作虚拟支付账户及其程序记录介质的方法，以使得凭单接收者可以方便地通过与虚拟凭单相关联的在线账户使用由福利管理机构管理的凭单接收者的福利基金付款帐户。在线帐户开启者使用客户名称打开与虚拟付款帐户相关联的在线帐户。信息存储部分通过与客户的在线帐户（1945）连接，将客户的虚拟支付帐户信息存储到存储介质。客户的虚拟付款帐户使用基金经理的帐户作为母帐户。银行交易请求者通过连接到在线帐户的通过与在线帐户相关联的虚拟支付帐户请求银行交易。银行交易处理器通过与在线账户相关联的虚拟支付账户处理所请求的银行交易。银行交易包括虚拟支付账户的查询交易和通过虚拟支付账户的转账交易中的至少一个。

4. 发明公开

KR1020090088834A 지급 가상계좌 개설 시스템 无效
标题翻译：打开付费虚拟账户的系统
公开(公告)号：KR1020090088834A
公开(公告)日：2009-08-20
申请号：KR1020090061374
申请日：2009-07-06
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q40/02
CPC分类号： G06Q40/02 , G06Q50/22
摘要： A provision virtual account opening system which a predetermined welfare fund operation boiler uses a voucher object is provided to support welfare fund to a welfare fund receiver through a virtual account. An interface provision unit(110) generates a user interface to a window terminal. An information reception unit(115) receives the predetermined virtual account requesting establishment information from the window terminal. An information generation unit(120) generates the predetermined virtual account source information. An information storage unit stores the generated virtual account ledger information.
摘要翻译：提供预定的福利基金操作锅炉使用凭证对象的提供虚拟开户系统，以通过虚拟账户向福利基金接收者支持福利基金。接口提供单元（110）生成到窗口终端的用户界面。信息接收单元（115）从窗口终端接收请求建立信息的预定虚拟帐户。信息生成单元（120）生成预定的虚拟帐户源信息。信息存储单元存储生成的虚拟帐户分类帐信息。

5. 发明公开

KR1020080102345A 지급 가상계좌를 이용한 보험금 지급 시스템 无效
标题翻译：使用付款虚拟账户支付保险金的制度
公开(公告)号：KR1020080102345A
公开(公告)日：2008-11-25
申请号：KR1020080107150
申请日：2008-10-30
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08
摘要： A system of supplied insurance money using a provision virtual account for reliably providing the insurance money to a demand object through a provision virtual account is provided to provide welfare fund to the demand object reliably through the provision virtual account. An information receiving unit(1315) receives the virtual account opening request information for the payment of insurance having one or more insurance money subject to grant customer information and provision virtual account - insurance company finance account as the parent account. A virtual account opening unit stores the opened virtual account. A virtual account operating unit sets up customer safety password about the opened provision virtual account from the customer through the customer terminal.
摘要翻译：提供使用提供虚拟账户提供的保险金的系统，通过提供虚拟帐户可靠地向需求对象提供保险金，以通过提供虚拟帐户可靠地向需求对象提供福利基金。信息接收单元（1315）接收用于支付具有一个或多个保险金的保险的虚拟开户请求信息，该保险金需要授予客户信息并提供虚拟帐户 - 保险公司财务帐户作为母帐户。虚拟开户单元存储已打开的虚拟帐户。虚拟帐户操作单元通过客户终端从客户设置关于打开的供应虚拟帐户的客户安全密码。

6. 发明公开

KR1020080085803A 기금 지급용 아이씨 카드 无效
标题翻译： IC卡
公开(公告)号：KR1020080085803A
公开(公告)日：2008-09-24
申请号：KR1020080084512
申请日：2008-08-28
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06K19/07 , G06Q40/02 , G06Q20/34 , G06Q30/02
CPC分类号： G06Q20/341 , G06Q20/4012 , G06Q30/0219 , G06Q40/02
摘要： An IC card for paying a voucher is provided to enable a national organ and/or an insurance company to pay a fund operated for beneficiaries reliably and effectively to the beneficiaries by using a virtual account established to each beneficiary name. An input/output interface unit processes data input/output with a terminal. An IC chip enables a fund manager managing a fund operated for beneficiaries to identify/authenticate the beneficiary, and stores beneficiary authentication information and second payment tool information to each divided regions by linking with payment account information of a payment account, which is established for paying a payment amount to the beneficiary. A processor operates an application for transferring the beneficiary authentication information and the second payment tool information to a card terminal through the interface unit when payment is processed.
摘要翻译：提供用于支付凭单的IC卡，使国家机关和/或保险公司能够通过使用为每个受益人名称建立的虚拟帐户，向受益人可靠而有效地支付受益人经营的基金。输入/输出接口单元用终端处理数据输入/输出。 IC芯片使得基金经理可以管理受益人经营的基金来识别/认证受益人，并通过与付款帐户的支付帐户信息相连，将受益人认证信息和第二支付工具信息存储到每个划分的区域向受益人支付款项。当处理付款时，处理器操作用于通过接口单元将受益人认证信息和第二支付工具信息传送到卡终端的应用。

7. 发明公开

KR1020080081240A 지급 가상계좌를 이용한 결제처리 시스템 无效
标题翻译：使用付款虚拟账户处理付款的系统
公开(公告)号：KR1020080081240A
公开(公告)日：2008-09-09
申请号：KR1020080084427
申请日：2008-08-28
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q20/34 , G06Q40/02
CPC分类号： G06Q20/26 , G06F17/30595 , G06Q20/34 , G06Q40/02
摘要： A system for processing payment with a virtual payment account is provided to surely and reliably give a beneficiary a fund managed for the beneficiary by a national agency and/or an insurance company through the virtual payment account established for the beneficiary. A virtual account establisher establishes a virtual payment account for a beneficiary using a real name account of a fund manager managing a fund as a mother account, and including a fund payment function and a beneficiary withdrawal/payment function. A payment account register registers the virtual payment account and the real name account of the beneficiary as a payment account of a check card of the beneficiary by including the fund payment function and the beneficiary withdrawal/payment function. An information checker(1810) checks whether the payment account of the check card of the beneficiary is registered to the virtual payment account and the real name account of the beneficiary when the beneficiary performs payment with the check card. A payment processor(1820) processes the payment with the virtual payment account when the remainder of the real name account of the beneficiary is short for the payment.
摘要翻译：提供一种用虚拟付款账户处理付款的系统，通过为受益人建立的虚拟支付账户，可以可靠地，可靠地向受益人提供由国家机构和/或保险公司为受益人管理的基金。虚拟帐户建立者使用管理基金的基金经理的真实姓名帐户作为母亲账户，并且包括基金支付功能和受益人提款/支付功能，为受益人建立虚拟支付账户。支付账户登记册通过包括资金支付功能和受益人提款/支付功能，将受益人的虚拟支付帐户和实名账户登记为受益人支票卡的支付账户。信息检查员（1810）检查受益人的支票卡的付款帐户是否在受益人用支票支付付款的情况下登记到虚拟支付账户和受益人的实名账户。付款处理器（1820）当受益人的实名账户的剩余部分为付款短时，处理与虚拟支付帐户的支付。

8. 发明授权

KR100854345B1 결제처리 중계 방법 및 시스템과 이를 위한 프로그램기록매체 有权
标题翻译：中继支付和程序记录介质的系统和方法
公开(公告)号：KR100854345B1
公开(公告)日：2008-09-02
申请号：KR1020060124384
申请日：2006-12-08
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q20/34 , G06Q40/02 , G06Q20/08 , G06Q20/38 , G06Q20/10
摘要： 본 발명은 결제처리 중계 방법 및 시스템과 이를 위한 프로그램 기록매체에 관한 것으로서, 바우처 전용 지급 가상계좌와 연결되는 바우처 카드를 이용한 결제처리시, 결제처리 중계 서버에서 결제단말로부터 전송되는 결제승인요청 전문을 수신 및 판독하여, 결제처리 요청 대상 카드가 바우처 카드임을 확인하면, 전문에 포함된 결제대금 중 바우처 매칭 정산처리 대금을 제외한 바우처 대상자 본인 부담금 만을 결제금액으로 재산정하여 전문을 수정한 후, 결제기관 서버로 중계 전송해주도록 함으로서, 복지기금, 보험사의 보험금 등을 당행 계좌로 유치하고, 바우처 대상자들을 당행 고객으로 유치하며, 이를 위한 결제처리 중계 시스템은, 소정의 결제단말로부터 소정의 카드정보와 결제금액을 포함하는 결제승인요청 전문을 수신하는 전문 수신수단과, 상기 결제승인요청 전문에 포함된 카드 정보를 판독하여, 상기 카드 정보가 복지기금 등 특정 금액 지급 대상자에게 발급된 카드 정보인지 여부를 확인하는 전문 확인수단과, 상기 확인결과 상기 카드 정보가 복지기금 등 특정 금액 지급 대상자에게 발급된 카드 정보인 경우, 상기 결제승인요청 전문에 포함된 총 결제금액 중 상기 복지기금 등을 통해 정산 처리되는 금액을 제외한 상기 특정 금액 지급 대상자 본인 부담 금액을 확인하고, 상기 결제승인요청 전문에 포함된 총 결제금액을 상기 확인된 특정 금액 지급 대상자 본인 부담 금액으로 수정하는 전문 수정수단과, 상기 수정된 결제승인요청 전문을 소정의 결제기관 서버로 중계 전송하는 전문 전송수단을 포함한다.
결제, 처리, 중계, 복지기금, 결제승인요청

9. 发明公开

KR1020080052764A 결제처리 방법 및 시스템과 이를 위한 프로그램 기록매체 无效
标题翻译：用于处理付款和程序记录介质的系统和方法
公开(公告)号：KR1020080052764A
公开(公告)日：2008-06-12
申请号：KR1020060124344
申请日：2006-12-08
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q20/34 , G06Q40/02 , G06Q20/10 , G06Q20/38
CPC分类号： G06Q20/34 , G06Q20/10 , G06Q20/387 , G06Q40/02
摘要： A system and a method for processing payment, and a program recording medium thereof are provided to invite voucher receivers of a welfare fund management agency and an insurance company as a customer by issuing a voucher card linked with a virtual payment card dedicated to a voucher to the voucher receiver and processing a part of payment with the voucher card. An information storing part(125) stores information of a voucher card to a storage medium by processing together the information of a secondary payment tool of a voucher receiver when a virtual payment account dedicated to a voucher is opened to the voucher receiver and the voucher card is issued to the voucher receiver. The voucher card uses the opened virtual payment account as a payment account. A payment processor processes a part of a payment amount with the virtual payment account corresponding to the voucher card and the remaining payment amount with the secondary payment tool of the voucher receiver when the voucher receiver requests payment with the voucher card.
摘要翻译：提供一种用于处理支付的系统和方法及其程序记录介质，通过发放与专用于凭单的虚拟支付卡相连的凭单卡来邀请福利基金管理机构和保险公司的凭单接收者作为客户凭证收件人并使用凭单卡处理一部分付款。信息存储部分（125）通过将凭证接收机的专用支付账户打开的凭单接收机和凭单卡一起处理，将凭单卡的信息一起存储到存储介质中，发给凭证收件人。凭单卡使用已打开的虚拟付款帐户作为付款帐户。当凭单接收者用凭单卡付款时，支付处理器处理与凭单卡对应的虚拟支付账户的一部分支付金额和剩余支付金额与凭单接收者的辅助支付工具。

10. 发明公开

KR1020080052728A 금융거래 처리방법과 이를 위한 프로그램 기록매체 无效
标题翻译：处理财务交易和程序记录介质的方法
公开(公告)号：KR1020080052728A
公开(公告)日：2008-06-12
申请号：KR1020060124254
申请日：2006-12-08
申请人： 주식회사 신한은행
发明人： 정종필 , 이근영 , 이명구
IPC分类号： G06Q40/02 , G06Q20/38
CPC分类号： G06Q40/02 , G06Q20/387
摘要： A method for processing a banking transaction and a program recording medium thereof are provided to enable a voucher receiver, who receives an allowance from a welfare fund management organ, a national pension management organ, or an insurance company, to receive a loan from a bank by setting an allowance to be paid to the voucher receiver as security. An information receiver receives loan request information from a customer. An information checker checks a welfare fund to be paid to the customer. A banking transaction processor processes a loan request of the customer by considering a checked amount of the welfare fund to be paid to the customer(2235). An information storing part links/stores details of a processed loan, information of an account receiving the welfare fund, and the information of a welfare fund payer to a storage medium. A settler checks whether the welfare fund is deposited in the account of the customer and settles a loan amount corresponding to the loan details by using a deposited amount.
摘要翻译：提供一种处理银行交易的方法及其程序记录介质，以使能够从福利基金管理机构，国家养老金管理机构或保险公司获得津贴的凭单接收者从银行接收贷款通过将支付给凭证接收者的津贴作为担保。信息接收者从客户接收贷款请求信息。信息检查员检查福利基金，以支付给客户。银行交易处理者通过考虑向客户支付的福利金额的检查金额来处理客户的贷款请求（2235）。信息存储部将处理的贷款的详细信息，接收福利基金的账户的信息，以及福利基金支付者的信息链接/存储到存储媒体。定居者检查福利基金是否存入客户账户，并通过使用存款额结算与贷款详细信息相对应的贷款金额。

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