KR200300758Y1 - Automated GIRO teller machine - Google Patents

Abstract

The present invention relates to an unmanned automatic utility bill storage device, a data input unit for receiving payment information for each payment step; Billing account recognition unit for recognizing a billing account for paying bills billed in utility bills; A paper-based paper processing unit which transfers the paper-loaded paper into the utility bill and scans the utility bill paper; Generate a control signal for controlling the land paper processing unit, process the data scanned by the land paper processing unit, read the billing information printed on the bill land paper, exchange payment information with a financial institution system, and settle the payment account recognition unit. A control unit for determining a billable amount of the bill charged on the utility bill land from the billing account recognized by the billing account and paying the bill from the billing account when the billing is possible; A screen display unit controlled by the controller to display the information read by the controller and a processing screen according to the payment step; A recording storage unit for storing the bill paper image scanned by the bill paper bill paper and the storing contents processed by the controller; And a receipt discharging unit controlled by the control unit to prepare a receipt by printing the stored contents and the scanned image stored in the recording storage unit on a separate sheet, and discharging the receipt to the outside. As a result, it is possible to automatically receive and handle various types of utility bills including atypical utility bills, reduce the time for automatic storage, reduce manpower and time required for spot management of papers, and pay multiple bills. It is also possible to automatically process Giro paper at once.

Description

Automatic Unmanned Billing Device {Automated GIRO teller machine}

The present invention relates to an unmanned automatic bill acceptor, and more particularly, to an unmanned automatic bill acceptor that can automatically process a bill received by hand.

Utility bills are payments for services provided by the state or certain agencies, and various charges include card payments for goods purchased by credit and charitable donations. Here, utility bills and card charges are collected and charged every month or quarter, and most of the billing methods are usually mailed out by bills or bills called bills. The payer who receives the utility bill will pay the amount in person at the financial institution's sales counter or by applying for direct debit to the financial institution.

Unless you apply for direct debit to a financial institution, most payers must visit the financial institution's branch office to pay the utility bill.A utility bill that can automatically receive utility bills, such as an automatic withdrawal device that can deposit and withdraw money automatically. Since the automatic storage device has not been put to practical use, a cashier or the like has directly processed the utility bill by hand. According to this manual method, the payer submits the utility bill and the fee to the storage window, and the terminal operator such as a cashier receives the payment fee to settle the fee. Among the utility bill paper, the customer paper is cut along the perforation line and returned to the customer. Thereafter, the receiving institution classifies and collects the giro paper for the receiving institution and the giro paper for the financial settlement agency, computerizes the details of the receipt into the giro paper for the receiving institution, and sends the paper for the KFTC to the financial settlement agency. .

However, such manual utility billing operation not only causes frequent errors of the cashier, but also increases the number of front desk operations of financial institutions, which entails enormous manpower and expense in the processing of business, and it is necessary for the billing institution for financial institutions to pay the bills. Since the paper must be managed as a paper, there was a problem in that manpower and time were wasted due to the spot management. In consideration of this problem, in order to automate the receipt of bills, Korean Patent Publication No. 1999-2468, etc. receives all bills and papers, which are divided into three types for customers, storage institutions, and financial settlement agencies, and stores them in the paper for customers. An automatic bill acceptor for stamping phosphorus, cutting the giro paper with a cutter and returning the paper for the customer to the customer is disclosed.

However, such a conventional automatic bill acceptor is not able to be accommodated when a part of utility bill paper separated by a perforation line is separated, and it is not possible to store only utility bill paper (OCR paper). There is a limit to the practical use, and it takes a lot of processing time because the customer receipt must be cut off and returned in every case, and it is not possible to process a plurality of utility papers at one time. There was a problem that requires labor.

Therefore, the object of the present invention, in order to solve such problems in the prior art, it is possible to process the automatic storage of various types of utility bill paper including the atypical utility bill paper, it is possible to shorten the automatic storage processing time and spot management of the paper It is possible to reduce the manpower and time required, and to provide an unmanned automatic bill storage device that can automatically process a plurality of bills paper at a time.

1 is a block diagram of an unmanned automatic utility billing device according to an embodiment of the present invention,

2 is a perspective view of the unmanned automatic utility billing device according to an embodiment of the present invention,

3 is a view showing a receipt issued by the unmanned automatic utility bill storage device according to an embodiment of the present invention,

4 is a flow chart showing an unmanned automatic utility bill receiving method according to an embodiment of the present invention,

5 is a flow chart showing an unmanned automatic utility bill receiving method according to another embodiment of the present invention,

6 is a view showing a screen displayed on the screen display unit when the automatic billing device according to the present invention does not recognize the charges charged to the paper land;

7 is a view briefly showing the configuration of a utility bill storage system using the unmanned automatic utility bill storage device according to the present invention.

* Explanation of symbols for main parts of the drawings

1: unmanned automatic bill storage device 10: payment account recognition unit

20: Giro paper processing unit 21: Giro paper transfer unit

22: giro paper scanning unit 23: temporary storage unit

24: Giro paper storage unit 25: Giro paper export unit

30: data input unit 40: screen display unit

45 speaker portion 50 control unit

60: record storage 70: receipt discharge unit

71a: composite image 71b: giro paper image

71c: Image of storage person 71d: Storage history printing part

80: bankbook organizer 90: bill discharge unit

The above object is, according to the present invention, in the unmanned automatic utility bill receiving apparatus for automatically receiving the utility bill, the data input unit for receiving the payment information for each payment step; Billing account recognition unit for recognizing a billing account for paying bills billed in utility bills; A paper-based paper processing unit which transfers the paper-loaded paper into the utility bill and scans the utility bill paper; Generate a control signal for controlling the land paper processing unit, process the data scanned by the land paper processing unit, read the billing information printed on the bill land paper, exchange payment information with a financial institution system, and settle the payment account recognition unit. A control unit for determining a billable amount of the bill charged on the utility bill land from the billing account recognized by the billing account and paying the bill from the billing account when the billing is possible; A screen display unit controlled by the controller to display the information read by the controller and a processing screen according to the payment step; A recording storage unit for storing the bill paper image scanned by the bill paper bill paper and the storing contents processed by the controller; And a receipt discharge unit which is controlled by the control unit and prepares a receipt by printing the stored contents and the scanned image stored in the record storage unit on a separate sheet and discharging the receipt to the outside. Achieved by the device.

In this case, when a plurality of utility bills are input, it is possible to pay the bills charged in a plurality of utility bills from the same payment account, and to allow the receipts to be discharged to each of the plurality of bills. Can be processed at once, especially the processing time of a plurality of cases can be shortened, and it is easy to check which receipts are paid and received.

In addition, the image printed on the receipt is preferably a composite image obtained by synthesizing the receiving person image indicating the acceptance confirmation on the paper image by the image synthesizing technique.

In addition, the paper land processing unit, a paper land transfer unit for transporting the input paper bills; A paper paper scanning unit for scanning the utility paper paper conveyed by the paper paper conveying unit; A temporary storage unit for temporarily storing the utility bill paper, which has been scanned, until the payment of the bill charged from the utility bill paper is completed; And a paper land storage unit in which the bill-of-payment paper used for payment is transferred and stored in the paper land transporting unit. The control unit may generate a control signal for transferring and scanning the paper bill paper.

And, if it is determined that the payment of the bill charged by the utility bill land paper is impossible by the control unit, the land paper processor is carried out to the outside to return the utility bill land paper temporarily stored in the temporary storage to the customer It can be configured to further include a carrying out portion.

Hereinafter, with reference to the accompanying drawings will be described in detail for the subject innovation.

1 is a block diagram of an unmanned automatic utility billing device according to an embodiment of the present invention, Figure 2 is a perspective view of an unmanned automatic utility billing device according to an embodiment of the present invention. As shown in these drawings, the unmanned automatic bill acceptor 1 according to an embodiment of the present invention, the billing account recognition unit 10 for recognizing a billing account for billing the bills billed in bills of utility bills; , The paper feeder 20 which transfers the input paper bill paper and scans the paper bill paper, a data input unit 30 for receiving payment information from each customer at each payment stage, and various control signals to generate various control signals. ) Reads the billing information printed on the utility bill paper by exchanging the billing information printed on the utility bill paper, exchanges the billing information with the financial institution system, and checks the billing fee charged by the utility bill paper from the payment account recognized by the payment account recognition unit 10. The control unit 50 and the control unit 50 for paying a fee from the payment account when the payment is possible by determining whether the payment is possible and is read by the control unit 50. A screen display unit 40 for displaying a processing screen according to the information and payment steps, a recording storage unit 60 for storing the images scanned by the paper processing unit 20 and the storage contents processed by the control unit 50; The receipt control unit 50 is controlled by the control unit 50 and prints the receipts and images stored in the recording storage unit 60 on a separate sheet to prepare a receipt 71 and discharge the receipt 71 to the outside and , A speaker unit 45 for guiding the use through voice guidance to the customer, a bankbook arranging unit 80 capable of organizing cash withdrawals and bankbooks, and a banknote discharging unit 90 through which banknotes are discharged.

Utility bill paper into the unmanned automatic bill acceptor (1) according to the present invention may be a whole of the bill paper, which is equipped with all of the paper for customers, storage institutions, financial settlement centers that can be separated by a perforation line as well as the user It may be one of the tears taken along the perforation line, most preferably for the KFTC. By the automatic billing device and the storage method according to the present invention, the paper is stored and the data stored in the paper and the receipt is issued to the customer is issued a receipt (71) for scanning the inputted paper for the KFTC and printed the scanned image on a separate paper If you send it to KFTC or a billing institution, you do not need to move the spot in place. Of course, if a spot movement is required, such as in preparation for the loss of computerized data, the utility bill is paid and sent to the giro paper stored and stored in the unmanned automatic utility bill storage device 1 together with the giro paper image and storage history data. .

The payment account recognition unit 10 is a device for recognizing payment accounts and reads information stored in cards such as magnetic (MS) cards, high frequency wireless (RF) cards, IC cards, such as cash and debit cards, Recognizing the payment account to pay the bill charged to the utility bill paper and transfers the information to the controller 50. The payment account recognized by the payment account recognition unit 10, of course, includes a payment account for payment of electronic money.

Then, the paper paper processing unit 20 is a paper paper conveying unit 21 for transferring the input bill paper land paper, a paper paper scanning unit 22 for scanning the bill paper paper transported by the paper paper conveying unit 21, and scanning The temporary storage unit 23 temporarily stores the completed utility bill paper until the payment of the charges billed from the utility bill paper, and the paper bill storage unit is transferred to the paper bill transfer section and stored. And, if it is impossible to pay the jjiji paper carrying section 25 for carrying out the giro paper to the outside to return to the customer. With this configuration, when the paper is inserted into the paper, the roller of the paper feeding unit 21 is driven by the controller 50 to transfer the paper to the paper scanning unit 22. The giro paper scanning unit 22 scans the giro paper. When the scanned paper is stored in the temporary storage unit 23 by the roller of the paper transfer unit 21, and when the payment of the charges charged on the paper is completed, the paper is stored in the paper storage unit 24 and if the payment is impossible It is carried out to the outside through the paper paper export unit 25.

The data input unit 30 receives the account password and necessary information according to the payment step and has a keypad unit 31 and a touch screen 32. The touch screen 32 is used in combination with the screen display unit 40 to be described later, and the payer can input data using any one of the keypad unit 31 and the touch screen 32 of the screen display unit 40. do.

Then, the controller 50 processes the data scanned by the Giro paper scanning unit 22 to read the billing information printed on the Giro paper, that is, the Giro number and the payment amount, and the billing information or payment information and the payment account recognition unit. The card and payment account number recognized in (10) are exchanged with the financial institution system, and various control signals for controlling each function block, for example, a control signal for paying the bill charged to the Giro paper or a payment to the payer To generate a control signal or the like.

On the other hand, the screen display unit 40 is a monitor for displaying the screen read from the paper scanning unit 22 and the processing screen according to the payment step, as described above to function as the data input unit 30 by adopting a touch screen method. It is possible.

The recording storage unit 60 includes a paper image image 71b scanned from the paper sheet processing unit 20, a storage image 71c indicating the storage confirmation, and a storage unit processed by the controller 50. The details are stored as digitized electronic information.

In addition, the receipt discharging unit 70 prepares a receipt 71 by printing the stored contents and the scanned image stored in the record storage unit 60 on a separate sheet, and discharges the receipt 71 to the outside. 3 is a view showing a receipt issued by the unmanned automatic billing device according to an embodiment of the present invention, the receipt 71, as shown therein, the image of the paper paper scanned by the billed paper bills 71b and the accommodation image 71c are combined to have a composite image 71a printed on the upper portion and a storage history printing portion 71d on which the storage contents are printed on the lower portion. Since the synthesis of the paper image 71b and the accommodation-in image 71c is made by a known image synthesizing technique, detailed description thereof will be omitted. When the composite image 71a is printed on the receipt 71 for the utility bill that has been paid, the payer who receives the receipt 71 can know what utility bill that the receipt 71 has received and received. The function is enough as a receipt as if the paper was returned.

Unmanned automatic utility bill storage device (1) according to the present invention, because it also serves as a cashier and withdrawal device and bankbook organizer, the bankbook organizer 80 that can organize cash withdrawal and bankbook, and the banknote discharge unit that bills are released ( 90), the speaker unit 45 for providing a voice guidance to the customer is further provided. If the bankbook organizer 80 is configured to organize the account or recognize the payment account through the input bankbook, the bankbook organizer 80 is also included in the payment account recognition unit 10, of course.

By this configuration, the unmanned automatic utility billing method according to the present invention will be described as follows.

4 is a flowchart illustrating an unmanned automatic utility bill receiving method according to an embodiment of the present invention, Figure 5 is a flowchart showing an unmanned automatic utility bill storage method according to another embodiment of the present invention. As shown in these figures, when the screen display unit 40 displays the transaction type (S100) and the payer selects the payment of the utility bill (S105), the screen display unit 40 displays a screen for selecting a payment method. In this case, when the payment means is selected (S110) and the card is inserted or passed through the payment account recognition unit 10 or wirelessly connected, the payment account is recognized (S115). And after the payer enters the password through the touch screen 32 or the keypad unit 31, which is the data input unit 30 (S120), when the utility bill is put into the inlet of the paper processing unit 20 (S125) After the paper is transferred by the paper conveying unit 21, the paper is scanned by the paper scanning unit 22 and the controller 50 processes the scanned data to read the information printed on the paper. After the reading is completed, the paper is transferred to the temporary storage unit 23 by the paper transfer unit 21 and the payment amount is displayed on the screen display unit 40 (S135). In this case, if the fee charged to the paper is not recognized, a screen as shown in FIG. 6 is displayed on the screen display unit 40. At this time, the payer directly inputs the payment amount with reference to the scanned paper image 71b. (S136). When the payment amount, or payment amount, is confirmed by the payer, it is divided into two processing methods. In the case of an embodiment, as shown in FIG. 4, after selecting the continuation to continue payment of another utility bill (S140) and repeating the payment amount checking process in the input of utility bill paper up to five sheets (S125 to S140), the sum of the amounts is collectively added. After the payment process is attempted (S145) is processed normally (S150) is issued a receipt (S150) if the process is not normally handled by displaying a failure message on the screen display paper land to the paper land export unit 25 (S149) process To exit. In contrast, in another embodiment, as shown in FIG. 5, when the payment amount, that is, the payment amount is confirmed by the payer, attempts payment processing for the payment amount charged to one utility bill paper (S145) and issues a receipt when processed normally (S145). S150) If it is not processed normally, while displaying a failure message on the screen display, the utility bills are taken out to the paper land export unit 25 (S149), and then up to five sheets of bill papers are issued for receipt or paper land export process. Run and exit. Receipts in which the composite image 71a is printed are issued for each of the billed paper bills that are input and paid for both methods.

FIG. 7 is a view schematically showing the configuration of a utility bill receiving system using an unmanned automatic bill acceptor according to the present invention. As shown therein, the unmanned automatic bill acceptor 1 according to the present invention is provided in each bank. It is installed at a sales office or 365 days corner to automatically store bills, and when bills are automatically received by the unmanned automatic bill acceptor 1, the storage details and the scanned image are transmitted to the server and the database of the server 2 is stored. Will be stored in. The received details and the scanned image are transmitted to the host 3 again, classified and aggregated by the collection agency in the host 3 to transmit the data to the billing institution 4 or the financial settlement agency 5. As a result, there is no need to move the spot in the utility bill. However, as described above, if it is required to move in kind, collect the giro paper stored in the unmanned automatic utility bill storage device (1) and check whether it is stored using the storage institution first, and then check whether it is stored in the financial settlement agency (5) or the billing institution. You can send it to (4).

As described above, the scanned paper and the receipts printed on the separate paper are returned to the customer, and the scanned images and the receipt data are sent to the billing institution or the financial settlement agency, respectively. By constructing the unmanned automatic bill storage device, it is possible to automatically receive and handle various types of bill paper including paper atypical bills. It is also possible to automatically process paper at a time with a plurality of utility bills.

In the above-described embodiment, the image printed on the separately issued receipt is the composite image 71a in which the giro paper image 71b and the receiver image 71c are synthesized, but the receiver image 71c is not synthesized. Naturally, it may be a paper image 71b.

In addition, although the above-described embodiment has been described with respect to the input bill paper land paper is stored in the paper land storage unit 24, if it is not necessary to move in kind can be configured to return back to the customer without storing it.

As described above, according to the present invention, it is possible to automatically receive and process various types of utility bill paper including atypical utility bill paper, and to shorten the time for automatic storage and to reduce the manpower and time required for spot management of the paper. An unmanned automatic bill receptacle is provided that can reduce costs and also automatically process multiple paper bills at once.

Claims (5)

In the unmanned automatic bill acceptor for automatically storing bills, A data input unit for receiving payment information for each payment step; Billing account recognition unit for recognizing a billing account for paying bills billed in utility bills; A paper-based paper processing unit which transfers the paper-loaded paper into the utility bill and scans the utility bill paper; Generate a control signal for controlling the land paper processing unit, process the data scanned by the land paper processing unit, read the billing information printed on the bill land paper, exchange payment information with a financial institution system, and settle the payment account recognition unit. A control unit for determining a billable amount of the bill charged on the utility bill land from the billing account recognized by the billing account and paying the bill from the billing account when the billing is possible; A screen display unit controlled by the controller to display the information read by the controller and a processing screen according to the payment step; A recording storage unit for storing the bill paper image scanned by the bill paper bill paper and the storing contents processed by the controller; And Unmanned automatic utility bill storage device is controlled by the control unit comprises a receipt discharge unit for preparing a receipt by printing the storage history and the scanned image stored in the record storage unit on a separate sheet and discharge the receipt to the outside . The method of claim 1, And a plurality of utility bill papers are charged, the charges billed from a plurality of utility bill papers are payable from the same payment account, and the receipts are discharged for each of the plurality of utility bill papers. The method of claim 1, The image printed on the receipt is an unmanned automatic utility bill storage device, characterized in that the composite image of the consignee image indicating the acceptance confirmation on the paper image by the image synthesizing technique. The method of claim 1, The paper paper processing unit, A paper transfer unit which transfers the input paper into the input bill; A paper paper scanning unit for scanning the utility paper paper conveyed by the paper paper conveying unit; A temporary storage unit that temporarily stores the scanned utility bill paper until the payment of the bill charged from the utility bill paper is completed; And Comprising a settlement paper storage paper bill is completed is transferred to the bill paper transfer paper is stored in the paper transport section, And the control unit generates a control signal for transferring and scanning the utility bill paper. The method of claim 4, wherein The paper paper processing unit, If it is determined by the control unit that payment of the charges billed from the utility bill paper land is impossible it is characterized in that it further comprises a paper land export unit to the outside to return the utility bill paper paper temporarily stored in the temporary storage to the customer Unmanned automatic utility bill