KR100368015B1 - Payment apparatus and payment method for public imposts and giro - Google Patents

Abstract

According to the present invention, when a paper which cannot be read due to a difference, damage, etc. of a paper bill is inserted into a standardized bag, it is received and received by the payment means, and the storage request is temporarily stored at a financial institution center. It is a bill payment automatic payment system that collects and checks the storage request and completes the payment. The on-line control of the transaction desired by the customer is made by various payment means, communication interface means between the outside and card inquiry and / or cash recognition. In the automated payment system, a standardized envelope is inserted into the paper in the automated payment system, which has a main control means that issues a transaction confirmation to the customer or notifies on-line to the customer and controls the transaction details of the customer in real time. Envelope conveyance to convey the said envelope input part and the said standard envelope which were put A data input unit for inputting payment information including a Giro number and a payment amount indicated on the paper as a user, and a recorder for printing or attaching the payment information to the standard bag and a bill for generating various control signals. It is characterized by including the main control means equipped with a processing application.

Description

Giro utility bill payment device and payment processing method {PAYMENT APPARATUS AND PAYMENT METHOD FOR PUBLIC IMPOSTS AND GIRO}

The present invention relates to a giro utility bill payment device, in more detail, customers pay the giro utility bills using a credit card, electronic money, cash card, bankbook and cash, check, etc. Directly input the utility bill and read the written billing information and add the billed amount of the bill to pay the giro utility bill and complete the payment immediately, or 2) Standardize the paper if it is impossible to read due to the difference or damage of the utility bill. Insert it into the envelope and receive it by the payment method, and temporarily store the storage request at the financial institution center, collect the storage bags, check the storage request history, and complete the payment, or 3) claim written on the bill of paper. The Jiro utility bill, including the method of receiving handwritten details and storing them by the payment means, the payment details It is a payment system that stores, manages, and provides the digital bills and paid bills, which are provided as receipts, and the bills of the bills. It is to provide a bill payment device that allows customers to pay bills without directly facing the bank clerk.

In recent years, various automation devices have been widely used to automate financial transactions to maximize the work efficiency of financial institutions. Customers are conducting various financial transactions using CD / ATM devices instead of window trading.

However, in the case of the Giro utility bill payment service, the automated device has not been developed, and thus remains the most inefficient work area in the financial sector, and customers take the inconvenience of directly using the counter. The Giro paper is composed of customer / financial institution storage / financial settlement service provider connected by perforation lines, and customer use is returned to the customer for storage as receipts. Shall be collected and sent to the KFTC at regular intervals. Therefore, Jiro paper has the inconvenience of always being mediated by the actual receipt. In addition, financial accidents frequently occur during the collection process, and in general, the actual mediation is carried out during the receipt, payment, and post-confirmation processes, and the disputes between the claiming agency, the receiving institution, and the customer frequently occur as well as the costs of moving and storing the objects. It is true that social costs for resolving disputes are also small.

In order to improve this, the present inventors filed a bill payment device, a CD / ATM device for processing paper with a bar code, an OCR, and a MICR reader has been presented in Korean Patent Publication No. 2000-12722, but the proposed technique is a smooth process. In order to solve this problem, barcode, OCR, and MICR readers need to be integrated, which increases the purchase cost of the device, and also has limitations that cannot be processed in the case of damaged paper bills that cannot be read by such devices. . As another conventional device, a method of attaching and processing a giro paper automatic trading device inside a conventional automatic teller machine has been proposed, but there are many difficulties in attaching a separate device inside various conventional automatic teller machines. This was accompanied.

In Korean Patent Publication No. 1999-2468, after inputting all the giro-bill payment papers, which are divided into three types for customers, receiving institutions, and financial settlement agencies, stamping the recipients for customers and cutting the paper with the cutter It has been introduced to return the receipt to the customer, but it is impossible to store it when the part of the Jiro bill payment paper separated by the perforation line is separated, and it is impossible to store other than the standardized OCR paper. In addition, since each receipt has to be cut off and returned to the customer, the storage payment is processed one by one, which makes it impossible to process a large amount of storage and takes a long time.

For this purpose, the Jiro utility bill is directly inputted using a payment method such as credit card, electronic money, cash card, bankbook, cash, and check through a separate terminal for storing giro utility bills. Including billing papers of utility bills are summed up, or if the bills are not read, insert them into standardized envelopes, or receive bills written on the bills of paper. It is required for the payment of giro utility and the method of payment for issuing the receipt of the gross utility, issuing a payment receipt, and storing, managing, and providing the read giro utility and payment as digital electronic information.

The present invention has been presented to solve the above problems, and an object of the present invention is to provide a giro utility bill payment device that does not need to return the customer receipt every time when processing the Giro receipt.

It is still another object of the present invention to provide a giro utility bill payment device that is capable of payment processing even if the Giro paper is damaged.

It is still another object of the present invention to provide a giro utility bill payment device capable of making giro payments by inputting giro numbers and amounts by hand even if there is no giro paper.

The object of the present invention is a magnetic (MS) card and / or a radio frequency (RF) card and / or an IC (IC) card recognition means and / or bankbook recognition means and / or banknote recognition and withdrawal means, communication with the outside In the paper payment device having an interface means and a main control means for on-line controlling the trading means desired by the customer by the card inquiry and / or cash recognition, the envelope input for inserting a standardized envelope in which paper is inserted into the paper Envelope conveying unit for conveying the standard and the standard envelope is put, and a data input unit for receiving the payment information including the Giro number and the amount of payment written on the paper and the recorder for printing or attaching the payment information to the standard bag; After detecting the standard envelopes for storing the standard envelopes containing the payment information and the standard envelope storage unit Generates a control signal for controlling the envelope conveying unit, and supports a message for guiding the payer to select a cost payment method for storing the tax utility bill and recalls the tax utility bill data according to the selected cost settlement method according to the message. It is possible to achieve by the bill payment device characterized in that it is transmitted using a communication interface means to the outside, and the main control means equipped with a bill receipt processing application for controlling the issuance of the stored receipt receipt.

In addition, the recording unit according to the present invention attaches a label paper portion for storing a label for which payment information is not printed and a payment information printing portion for printing the payment information on the label, and a label printed with the payment information at a predetermined position of the standard bag. It is preferable to be provided with an attachment part.

The apparatus of the present invention further includes a digital data storage unit for storing the payment history data processed by the main control means, so that the processing data can be more reliably protected when necessary.

In addition, the apparatus of the present invention, in order to achieve more faithfully of the present invention, the paper feeder and paper feeder to feed the paper into the paper into the paper into the paper in order to process the manner of paper into the paper into the paper into the paper into the paper into the paper. The apparatus further includes a paper reader, a display unit for displaying the read contents, and a paper storage unit for storing the paper with the processed paper. The main control means detects the paper with the loaded paper and then loads the paper. A control signal for controlling the conveying unit, a control signal for instructing the paper reading to the paper sheet reading section, and a control signal for displaying the contents of the paper to the paper sheet being read and a control for transferring the paper to the paper sheet storing section with the processed paper. Bill compartment with additional function to generate signal Characterized in that with the application.

The object of the present invention is a magnetic (MS) card and / or a radio frequency (RF) card and / or an IC (IC) card recognition means and / or bankbook recognition means and / or banknote recognition and withdrawal means, communication with the outside 1. A giro bill payment device having an interface means and a main control means for on-line controlling a transaction method desired by a customer by card inquiry and / or cash recognition, wherein the paper input unit and paper input are transferred to a paper input unit. A paper transfer section and a display section for displaying the read contents, a paper display section for displaying the read contents, and a paper storage section for outputting the paper storage section and payment processing contents for outputting the contents. An output paper storage unit and a printing unit which prints the result of payment processing according to the contents of the paper on the output paper, The main control means detects the paper into the paper input and then controls the paper feeder to control the paper feeder, a control signal for instructing the paper to be read to the paper paper reader, and a control signal and payment processing to display the contents of the paper to the paper. The control signal to transfer the paper to the paper storage unit and the message for guiding the user to select the cost settlement method for storing the tax bill, and according to the message, to receive the tax bill according to the selected cost settlement method. And a main control means equipped with an invoice storage processing application for transmitting data and controlling an operation of issuing the stored storage receipt and sending storage confirmation information through the communication interface with the outside. By having a utility bill payment device, In the conventional apparatus, a receipt is issued to the payer as a customer paper, but in the case of the present invention, a separate receipt can be issued instead of the receipt of the paper, thereby allowing the payment of a plurality of papers at once.

1 is a block diagram of a giro bill payment device according to the present invention.

2 is an internal block diagram of a giro utility bill payment apparatus according to the present invention.

Figure 3a shows a front view of the gross bill payment device according to the present invention, Figure 3b shows a right side view, Figure 3c shows a left side view, respectively.

4 is a detailed configuration diagram of a bill processing unit according to the present invention.

5 is a detailed block diagram of an envelope processing unit according to the present invention.

6a to 6d is a flow chart that proceeds to the bill payment of jiro according to the present invention.

Advantages, features and preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a giro bill payment device according to the present invention. Referring to FIG. 1, the configuration of the apparatus for processing a giro utility bill payment device according to the present invention is to directly recognize and read a giro utility bill payment paper after checking the account balance by means of payment such as a credit card, electronic money, cash card and bankbook. It includes the method of storing by receiving the standardized envelope with the bill payment paper inserted and receiving and receiving the number and amount of storage, and confirming the received receipt and completing the receipt, or receiving and receiving the payment details directly. Giro utility bill payment device 100 to check the state of the giro utility bill payment device 100 is installed in the room and the remote site, and to view and manage the stored information, and to manage the giro utility bill payment device system 20, Jiro Utility Headquarters, which collects, stores, and sends the received data collected through the payment device by revenue, collection agencies, etc. System 30, integrated network device 40 for managing communication of equipment in the bank, host computer 50 for managing all financial processing of the bank, external communication system 70 for communicating with external systems and the Internet Internet server 60 that provides a service for inquiring about the bill of payment of geotechnical payments to users using the wired and / or wireless.

The giro utility bill payment device 100 according to the present invention after checking the account balance by payment means such as credit card, electronic money, cash card and bankbook 1) directly recognize and read the giro bill payment paper, or 2) After receiving the standardized envelope with the giro utility bills, insert and receive the number of receipts and the amount of payment from the payer, receive the receipts, and confirm receipt of the received receipts. 3) Enter the payment details directly without inserting the giro paper. It is a Giro bill payment device including a method of receiving and storing, and it is equipped with a scanner that recognizes and reads a Giro bill payment sheet received from a customer, so that it is possible to recognize the Giro bill payment sheet. The received payment paper is digitized and stored as electronic information.

The gross utility payment device management terminal system 20 checks the state of the gross utility payment device 100 installed in the guest room and the remote place, and inquires and manages the stored information. In addition, the giro bill payment device management terminal system 20 is provided with management software for operating and managing the system.

The gross utility headquarters management system 30 classifies, stores, and transmits the received data stored through the gross utility payment device, classified by revenue, collection agency, and the like, and includes management software for operating and managing the same.

The processing procedure in which the payment of giro utility according to the present invention is processed is as follows. Data paid from the giro utility bill payment device 100 located in a large complex or a guest room is processed by the bank host system 50 via the integrated network device 40 according to the management of the management terminal system 20. The bank host system 50 transmits data related to the giro utility bill to the headquarters management system 30, and the headquarters management system 30 classifies and stores the data according to revenue, collection agencies, and the like. The stored data can be viewed by the user through the Internet server 60.

Giro utility data accumulated on a regular basis is transmitted to the KFTC and the corresponding billing institution through the external communication system 70, and in the case of the national treasury collection, the data is transmitted to the Bank of Korea.

2 is an internal block diagram of a giro utility bill payment apparatus according to the present invention. Referring to Figure 2, the internal configuration of the bill payment device 100 according to the present invention, the card recognition unit 110 for recognizing a credit card, electronic money, cash card and bankbook, a bill for processing the bill paper bill paper Processing unit 120, envelope processing unit 130 for processing the paper bill payment paper is inserted, the data input unit 140 for receiving the payment information for each payment step, the screen for displaying the read information and the processing screen according to the payment step The display unit 150, the communication unit 160 for exchanging payment information and storage information with the financial institution system, the central processing unit 170 for controlling the storage, the output unit 180 for outputting the processed results and received details and reception And a storage unit 190 for storing the processing details.

Figure 3a shows a front view of the gross bill payment device according to the present invention, Figure 3b shows a right side view, Figure 3c shows a left side view, respectively. 2 and 3 will be described with respect to the configuration of the giro bill payment device according to the present invention.

The card recognition unit 110 receives and reads electronic money, credit card, cash card and bankbook, and transfers the read information to the central processing unit 190. The bill processing unit 120 is a bill input unit 121 for receiving a bill payment paper, the inlet sensor installed in the bill input slot for detecting the input and the direction of the bill payment paper input (S1; shown in Figure 4) The bill transfer unit 122 for controlling the transfer of the paper bill payment paper detected from the paper, the book reader 123 for reading the billing information printed on the paper bill payment paper transferred, and when a plurality of books are inputted It includes a temporary storage unit 124 for temporarily storing the completed giro bill payment paper until the completion of storage, and a journal storage unit 125 for storing the completed receipt.

The envelope processing unit 130 inserts and inserts the paper bill payment paper into a standardized bag when a part or all of the paper bill payment paper to be paid includes a payment paper that cannot be read due to differences in specifications, damage, or loss of part. Envelope receiving unit 131, envelope conveying unit 132 for controlling the conveyance of the envelope detected from the envelope inlet sensor (ES1; shown in Figure 5) installed inside the envelope inlet, label sheet 133, storage acceptance A label printing unit 134 for printing a label on the label, a label attaching unit 135 for attaching a label on which the storage acceptance details are printed on the conveyed envelope, and an envelope storage unit 136 for storing the envelope in which the storage acceptance is completed. .

The data input unit 140 receives the necessary information according to the account password and payment step, and includes a keypad or a touch screen monitor. In the case of the touch screen method, it may be used in combination with the screen display unit 150 to be described later.

The screen display unit 150 is a monitor that displays the screen read by the book reader 123 and the processing screen according to the payment step, so that the screen display unit 150 can also be used as the data input unit 142 using a touch screen method. 160 is the card and account number read by the card recognition unit 110, the payment information read by the book reader 123 and calculated by the central processing unit 170, the payment input from the data input unit 140 and The payment information is exchanged with the financial institution system, and the data is exchanged with the Giro utility payment device management terminal system 120 and the Giro utility headquarters management system 130.

The central processing unit 170 controls to control each function block, such as controlling the operation processing and storage of the information read from the card recognition unit 110 and the card reader 123 and the information input from the data input unit 140. A signal, for example, an envelope transfer control signal for transferring an envelope, a guidance comment for asking a payer for a payment method, or a control signal for performing payment processing or displaying information to the payer using a payment method selected by the payer. . The central processing unit 170 is composed of a control unit composed of hardware or software having a small memory, commonly called a microprocessor.

The output unit 180 outputs the processed result and the received details through a receipt.

The storage unit 190 digitizes the electronic document information stored in the electronic document and the details of the processing processed by the document processing unit 120, the storage acceptance history requested by the envelope processing unit 130, the request and the storage information is input and processed Journal of the inside of the bill processing machine to record the information received and received by the data storage unit 191, the document processing unit 120, or manually received from the data input unit 140 and received and processed by the envelope processing unit 130 And a journal recorder 192 for recording on a sheet of paper.

4 is a detailed configuration diagram of a bill processing unit according to the present invention. When the book is inserted through the book insertion hole 121, the sensor S1 detects this and drives the roller. When the document reader 123 is reached via the document conveying unit 122 composed of a roller, the sensor S2 detects this and reads the document. In the present invention, when reading a book, a Giro number and a payment amount are recognized using a scan method. Since the scanning method is a known technique, a detailed description thereof will be omitted, and the reading of the book may be easily read using camera recognition in addition to the scanning method. When the user confirms the payment, it is stored in the temporary storage unit 124 using the roller. When the user inputs one or more documents, the book stored in the temporary storage unit 124 is temporarily stored, and after reading the remaining documents, the read list is stored in the temporary storage unit 124.

When the user requests payment, the payment stored in the temporary storage unit 124 is transferred to the journal storage unit 125 after the payment processing. When the user cancels the payment, the document stored in the temporary storage unit 124 is returned to the document input unit 121 by using a roller. Sensors S3 and S4 are used to detect whether the documents are normally transferred between the rollers, and the number of sensors installed will vary depending on the size of the device. In the figure, M denotes a motor drive unit, which is used to transfer power to the rollers during scanning and during document transfer.

5 is a detailed block diagram of an envelope processing unit according to the present invention. When the standardized bag containing the paper is inserted through the bag inlet 131, the sensor ES1 detects this and drives the roller. When the envelope reaches the label attaching unit 135 via the envelope conveying unit 122 composed of a roller, the user inputs the number of payments and the amount of payment according to the guide comment. After displaying the payment amount to the user, if the user approves, the receipt information is printed on the label using the label printing unit 134, and then the printed label is attached to the envelope by the label attachment unit 135 and then the envelope is printed. The storage unit 136 is transmitted. The label printing unit 134 prints on the label using a thermal transfer method. After printing the acceptance information on the label of the label paper portion 133 which is attached and wound by using a coating material and an adhesive on one surface, the label attaching part 135 is wound by the coating material roll part 139 to print the label. The label was attached to the envelope one by one. Although the label is used in the present invention, a method of printing on the envelope itself may be easily performed by those skilled in the art, and there may be various methods such as a laser method and a dot printer method in addition to the thermal transfer method.

The sensors ES2 and ES3 are for detecting whether the envelope is normally transported between the rollers, and the number of sensors installed will vary depending on the size of the device. In the drawings, M denotes a motor drive unit, and is used to transfer power to the rollers during the document transfer.

6a to 6d is a flow chart that proceeds to the bill payment of jiro according to the present invention. With reference to Figures 6a to 6d will be described with respect to the flow of billing utility bills according to the present invention. The customer selects the gross utility payment transaction (S10 to S20) through the gross utility payment device 100 that provides the inquiry and account transfer function together. After the payment of the giro utility bill transaction is selected payment methods such as bank transfer, credit card, electronic money and bankbook transactions (S30 to S40).

The customer inserts the card or bankbook in the card recognition unit 110, and enters the password (S50) to query the account of the customer from the financial institution system through the communication unit. If a customer has registered a bank-free transaction with a financial institution, it includes a bankbook-free transaction.

The available balance of the customer for the card or bankbook is displayed (S60). The customer selects a payment method such as paying a journal, paying an envelope, or handwriting input (S70).

In the case of paying the bill, the bill is inserted into the bill input part 121 (SA 10), and the bill transport part 122 driven by the motor M detects whether the bill input inlet sensor S1 is inserted and the direction is charged. To transfer to the cover reader 123. By reading the sent form from the book reader 123 (SA 20), if the reading is normal (SA 30), the payment amount is displayed through the display unit 50 to check the billing history to the customer (SA 40) In this case, the user is asked whether the payment is made. (SA 50) At this time, if the reading of the book is not normal or the user cancels the payment, the paper sheet is discharged (SA 110). When the user approves the payment, the user is asked whether there is another document to be paid (SA 50). If there is any other form, repeat steps SA 10 to Sa 60 and, if there is no way to pay, sum the amounts (SA 70). In this case, the repeated document is stored in the temporary storage unit 124 in which the bill is confirmed by the customer through the reading through the document reader 123 and the display unit 150 in the case of a plurality of giro bill paper. do. In step SA 70, the sum displayed on the Jiro utility paper is added to obtain payment confirmation of the customer, and the payment amount is withdrawn from the corresponding payment method through the central processing unit 170 (SA 80). The received storage details are discharged the receipt to the user and the necessary form and the read data are stored in the storage unit (SA 90 to SA 100). The processing order of the data storage step SA 90 and the receipt discharge step SA 100 may be arbitrarily determined. In the issued receipt, a payment agency, a payment amount, a payment time, a terminal number of a giro utility payment device 100, a Giro number, and the like are recorded.

When the envelope payment is selected, when the envelope into which the Jiro bill payment paper is inserted is inserted into the envelope input unit 131 (SB 10), the envelope is driven by the motor M by detecting the envelope input by the envelope input sensor ES1. It is transferred to the sending unit 132. The user receives the payment index, the sum of the payment amount, the contact information, and the like through the data input unit 140, and displays the storage receipts on the screen display unit (SB 20 to SB 30) to finally confirm the acceptance of the storage (SB 40). ). In this case, the contents requested for input to the user must include the payment amount, but other matters can be selected according to the bank. When the payer finally confirms the acceptance of the storage, the label printing unit 134 prints the data regarding the tax processing charge on the label, attaches the printed label to the envelope through the label attachment unit 135, and stores the data in the envelope storage unit 136. do. While storing the envelope in the envelope storage unit 136, the received amount of data is transferred to the host computer 50 that manages the bank's financial processing through the system of the financial institution (SB 50). . The received and received processing details are discharged to the user through a receipt, and the labeled envelopes are stored in the envelope storage unit 136 (SB 60 to SB 70). Of course, the processing order of the data storage step (SB 60) and receipt receipt step (SB 70) can be arbitrarily determined. When the user cancels the storing, the roller is rotated in the reverse direction and discharged to the bag feeder 131.

Stored envelopes are collected by an administrator (usually a bank clerk), and then the total amount of stored paper and the amount of paper in the envelope is compared.If the amount is incorrect, the host computer 50 does not make a payment. The user is notified using the user information registered in the financial institution. Since the standard envelopes stored in the envelope storage unit 136 are stored in order, it will be easy to collect and confirm the amount and the received amount. More preferably, by attaching a serial number to each standard envelope processed on a label printed on the standard envelope, it may be easily compared with future standard envelopes and payment data processed. In this case, there may be a difference between the amount paid on the giro paper and the amount entered by the payer. If the difference is small, the bank pays the difference first and then charges back to the user. When the amount to be processed and the amount of money stored coincide, the host computer 50 substantially completes the payment processing from the corresponding payment means. In the above-described method, the case in which the giro utility bill payment device 100 transmits payment processing data to the host computer 50 and the actual payment confirmation is performed in the host computer 50 has been described. Of course, the method 100 may complete the payment processing according to the information entered by the payer and post-settle the customer with respect to the error amount.

When handwritten input payment is selected, after receiving the payment information including the Giro number, the contact number and the payment amount through the keyboard and the touch screen monitor, which is the data input unit 140 (SC 10), the payment amount is displayed ( SC 20). When the user approves the payment (SC 30), the central processing unit 170 withdraws the payment amount from the corresponding payment means (SC 40). The storage of the storing is completed, the receipt is discharged to the user and the transaction processing data is stored in the data storage 191 (SC 50 to SC 60). Of course, the processing order of the data storage step (SC 50) and receipt receipt step (SC 60) can be arbitrarily determined. If the user does not approve the cancellation of the payment, the termination process (SC 70).

In each of the above cases, the read-through screen and the payment details of the stored bill-of-payment paper are stored as electronic information digitized in the data storage unit 191 and transmitted to the financial institution center through the communication unit 160. In addition, the receipt is recorded and stored in the journal paper of the journal recording unit 192.

The total amount of the settlement amount and the number of Jiro numbers is compared. If the amount is incorrect, the user is notified using the user's contact information registered in the user's contact information or financial institution. If the difference is small, the user may be notified of the difference and withdrawn from the account.

The device of the present invention by using a payment method such as credit card, electronic money, cash card, bankbook and cash, check through the automatic Jiro utility bill, 1) directly input the Jiro utility bill paper, read the billing information and then read 2) The bills of several bills of paper are collected and stored; 2) If the bills of paper are not readable, they are inserted into standardized envelopes; or 3) Handwriting of the bills written on the bill of paper. It has been described that a method of receiving and storing all should be built in a single device, but the device proposed in the present invention may be easily transformed into a method in which each of the three methods is combined or combined.

As described above, the present invention makes it possible to conveniently pay by a GRO utility bill using a GRO utility payment device and method, thereby eliminating the inefficiency consumed by the GRO utility payment, thereby increasing the window efficiency of a financial institution, and The purpose is to increase the convenience of customers' payments by automating the collection of giro utilities. In addition, through the apparatus of the present invention to prevent financial accidents due to the window storage, and to minimize the occurrence of disputes due to storage.

In addition, by reading the financial settlement section of the giro utility bill payment site, that is, the giro utility bill payment site, and storing the readout image and payment details as digital electronic information and providing them to the financial settlement agency, claimant, and payer, It can eliminate inconveniences and risks associated with moving and storing, and improves the issuance form of Giro utility bill payment paper, which is divided into three categories for payer, billing institution, and financial settlement agency, eliminating waste of resources and inducing unification of payment paper. There is a significant effect.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (10)

Magnetic (MS) card and / or radio frequency (RF) card and / or IC card recognition means and / or bankbook recognition means and / or banknote recognition and withdrawal means, external communication interface means and card inquiry and 10. A giro utility bill payment device having main control means for controlling on-line a customer's desired trading means by cash recognition. An envelope inserting unit for inserting a standardized envelope into which paper is inserted into the paper; An envelope conveying unit for conveying the inserted standard envelope; A data input unit for receiving input payment information including at least a payment amount to be paid from the payer; A recording unit for printing or attaching payment information and / or identification number to the standard bag from the payer; A standard envelope storage unit for storing the standard envelope having recorded payment information and / or identification number; And The main control means detects the standard envelope of the envelope input unit, generates a control signal for controlling the envelope transfer unit, and supports a message for guiding the payer to select a cost payment method for storing the tax bill. According to the selected cost payment method according to the payment fee payment data for payment as the payment amount by using the communication interface means with the outside, and the bill receipt processing application for controlling the issuance of the stored receipt receipt Jiro utility bill payment device, characterized in that. The method of claim 1, The recording unit A label paper unit for storing a label on which payment information is not printed; A payment information printing unit which prints payment information and / or identification number on the label; And Jiro bill payment device characterized in that it is provided with an attachment portion for attaching the printed label to a predetermined position of the standard bag. The method of claim 1, And a digital data storage unit for storing defibrillation poultry accommodation data stored and processed by the main control means. The method of claim 1, A paper feeding unit for feeding paper into paper; The envelope conveying unit conveys the paper to the paper loaded; A paper reader for reading the contents recorded on the paper by the paper; A display unit which displays the read contents; And The paper storage unit further comprises a paper storage unit for storing the paper as the payment process, The main control means detects the paper into the paper input and then controls a paper signal for controlling the paper conveying unit, a control signal for instructing the paper to be read to the paper paper reading unit, and a control signal to display the content of the paper to be read. Jiro bill payment device characterized in that it is equipped with a bill paper processing application having a function of generating a control signal for transferring the paper to the paper paper storage. The method of claim 4, wherein An output paper storage unit for outputting payment processing contents; And And a printing unit for printing a result of payment processing according to contents of the paper into the output paper. Magnetic (MS) card and / or radio frequency (RF) card and / or IC card recognition means and / or bankbook recognition means and / or banknote recognition and withdrawal means, external communication interface means and card inquiry and 10. A giro utility bill payment device having main control means for controlling on-line a customer's desired trading means by cash recognition. An envelope inserting unit for inserting a standardized envelope into which paper is inserted into the paper; An envelope conveying unit for conveying the inserted standard envelope; A data input unit for receiving input of payment information including a payment amount to be paid from a payer; A recording unit for printing or attaching payment information and / or identification number to the standard bag from the payer; A standard envelope storage unit for storing the standard envelope in which payment information is recorded; And The main control means detects the standard envelope of the envelope input unit, generates a control signal for controlling the envelope transfer unit, and supports a message for guiding the payer to select a cost settlement method for storing the tax utility bill. According to the payment method selected in accordance with the payment amount payment of the tax utility bill payment processing, issuing the bill for controlling the operation of issuing the payment receipt receipt and payment confirmation information sent through the communication interface means with the outside Jiro bill payment device characterized in that it is equipped with a processing application. The method of claim 6, The recording unit A label paper unit for storing a label on which payment information is not printed; A payment information printing unit which prints payment information and / or identification number on the label; And Jiro bill payment device characterized in that it is provided with an attachment portion for attaching a label printed with the payment information to a predetermined position of the standard bag. The method of claim 6, And a digital data storage unit for storing the payment history data processed by the main control means. delete Magnetic (MS) card and / or radio frequency (RF) card and / or IC card recognition means and / or bankbook recognition means and / or banknote recognition and withdrawal means, external communication interface means and card inquiry and A method of paying bills of giro bills by using an automated device having main control means for controlling on-line a transaction means desired by a customer by cash recognition, A first step of receiving a standardized envelope in which paper is inserted into a paper from a payer; A second step of transferring the input standard envelope; A third step of receiving payment information including a payment amount from the payer; A fourth step of supporting a message for guiding a selection of a payment method for storing a tax utility bill of the paper, and receiving a selected payment method according to the message; A fifth step of paying the payment amount input in the third step by the cost settlement method selected in the fourth step; And A sixth step of checking whether the tax utility payment processing is normally executed, issuing a receipt for recording the storage result for the case where the tax utility payment is normally executed, and transmitting the tax utility payment information to an external system; The fourth step is a bill processing method, characterized in that performed in any step before the fifth step.