KR100239959B1 - Giro automatic processing method and device - Google Patents

Abstract

The present invention automates the task of accepting bills for various branches billed to consumers, reduces the front-line work of financial institutions, reduces the enormous manpower and costs required for business processing, and at the same time concentrates on end-of-month or year-end tasks. The present invention relates to a method and an apparatus for automatically processing giro storage for dispersing, wherein when various cards and giro billing papers are inserted into the entry / exit of the giro storage device, the data of the card and the giro billing papers are read out, and according to the read result, Calculate the amount of payment and withdraw the amount calculated from the card's payment account online, then stamp the payment address, the date of receipt and the agent on the billing paper automatically and cut it with a cutter. Returned to the customer, the receipt request is transferred to the storage unit in the giro storage device, the transaction contents Jiro the invention can be achieved by recording the recording unit to hold the hangers.

Description

Automatic storage processing method and apparatus

The present invention relates to an automatic processing method and apparatus for storing giro, which enables to automate a windowing service for storing a giro billing amount that is acted on a financial board, and particularly, for storing various jiro invoices billed to a consumer. Automated work to reduce front-line work of financial institutions, reduce the enormous manpower and cost required for business processing, and at the same time to distribute the work concentrated at the end of the month or end of the year. It is about.

In general, purchase costs of various items, credit card charges, and utility bills are billed using the bill of paper, unless you apply for direct debit by bank account, and these bills should not be paid within the period indicated by the specified delivery date. If not, the surcharge is to be paid.

However, if you look at the work that is currently carried out for the storage of the Jiro billing amount at the receiving institution, the terminal operator checks the date of payment and the due date after the terminal operator checks the payment amount by a separate calculator. The stamp of the date of receipt and the person in charge of the receipt is stamped on the billing paper, and the receipt attached to the bill of paper is cut off and returned to the customer.

As the above-mentioned manual collection of Jiro billing amount increases the front desk work of financial institutions, it requires not only enormous manpower and expense in handling the business, but also the financial institution workers because the delivery date of the billing of the Giro bill is mainly concentrated at the end of the month or the end of the year. Of course, there was a problem that users of financial institutions must suffer great inconvenience.

In addition, there is a problem in that the amount of work for billing the bill of jiro by the manual work as described above causes a lot of troubles in other work because the institution has to deal with storing work by opening a dedicated shop of giro.

Accordingly, an object of the present invention is to determine the thickness of the bill paper into the transfer device together with the passbook or cash card, and to read the contents of the direction recognition and computerized paper (OCR paper and MICR paper) to settle the bill amount of the paper bill. After that, the location of the perforated line is precisely cut and the payment receipt and the date of stamping can be returned directly to the customer, thereby reducing the front desk work of financial institutions that are concentrated at the end of the month or the end of the year. Not only do you need to open a separate storage window, but you can also keep the contents of the billing transaction of the billed amount inside and collect the transaction details to enable computerization and reduce the enormous manpower and cost required for business processing. The present invention provides an automatic storage processing method and apparatus.

The present invention reads the data of the card and the paper bill paper when the various cards and paper bill paper is inserted into the entry and exit of the giro storage device, and calculates the amount of payment in the main control unit according to the read result calculated from the card payment account of the card After withdrawing money online, Giro receipt and customer's card, stamped with the cutter by automatically stamping the payment address, the date of receipt and the agent on the billing paper, are returned to the customer through the entrance and exit.

At this time, the Jiro request for storing the bank and the Jiro Notice for storing the KFTC (hereinafter referred to as the storing request) are stored in the giro storage device, and the transaction contents are stored in the memory device or journal (HOUR DISK) using the hard disk. By keeping the record in the recording unit using the recording device, the handling and receiving institution can attain the computerization by enabling the collection of transaction details as well as the collection of the request for receipt stored at any time or on a specific date.

Figure 1 is a front view showing the device of the present invention

Figure 2 is a side view showing the device of the present invention;

Figure 3 is a block diagram of the present invention

Figure 4 is a side cross-sectional view showing a branch paper processing unit of the present invention.

5 is a flowchart of the present invention.

* Explanation of symbols for main parts of the drawings

1: Jiro storage device 4: Card entrance and exit

5: paper entry and exit 6: card recognition unit

7: register 10: main controller

20: controller 21: sensor

22: cutter portion 23: stamp portion

24: medium transfer unit 25: recognition unit

26 thickness detecting unit 27 storage unit

100: Giro paper processing unit

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

The present invention can be installed and operated anywhere in the existing automation corner, public place or apartment cluster, mall, etc., to automatically handle the Jiro billing paper, Giro storage device (1) ) Forms the paper entry / exit 5 together with the card entry / exit 4 while externally configuring the image display portion 2, the keypad portion 3, and the card entry / exit 4 as in a normal automatic teller machine.

On the other hand, inside the giro storage device 1, there is a recording unit 7 for recording the contents of the transaction with the card recognition unit 6 that reads the tab of the card inserted into the card entry and exit 4 on a hard disk or a journal recording device. The main controller 10 is connected to the main control unit 10, and the controller 20 of the paper processing unit 100 is connected to the main control unit 10.

At this time, the branch paper processing unit 100 is a sensor unit 21 for detecting the position of the branch paper and the position of the tear line, the cutter unit 22 to cut along the line of cut of the branch paper, the billing destination and storage on the branch paper Stamp unit 23 for printing the date and the handle, the motor 241 to control the position of the paper and the paper transfer section 24 for controlling the transfer paper, the recognition unit for recognizing and sorting the type of paper for paper bill ( 25), the thickness sensing unit 26 for sensing the thickness of the paper billing paper injected from the paper inlet and outlet 5 to be controlled by the controller 20.

In addition, by the main controller 10 and the controller 20, the landfill receipt of the landfill bill is sent to the user through the paper inlet and outlet (5), the storage request in the storage unit 27 to be collected at a time To help.

According to the present invention configured as described above, when the customer inserts the various cards issued from the financial institution into the card recognition unit 6, the data recorded on the card is read and the payment account number is displayed on the image display unit 2. FIG.

Subsequently, the card recognition unit 6 is connected to the main control unit 10 to transmit and receive data while performing communication (RS-232C communication), and reads whether or not the input password matches.

In this case, the card recognition unit 6 may be configured as a dip type or a motor drive type, and the image display unit 2 may control the account number read from the card recognition unit 6. It displays at the position designated by the program of the section 10 and also displays the operation procedure.

That is, the main control unit 10 has an operating software (OPERATING SOFTWAR) that can start the system and the application software (APPLICATION SOFTWARE) for guiding the transaction order, the communication control unit, the keypad unit ( There is a port for receiving passwords from 3).

The card inserted in the above process is usable, and if the passwords match, the bill paper is inserted into the paper entry and exit 5, and if the bill paper is inserted, the sensor S1 of the thickness sensing unit 26 measures the thickness of the paper. Simultaneously, the motor 241 of the medium transfer unit 24 is operated to transfer the billing paper to the paper.

Subsequently, the recognition unit 25 recognizes the type of paper billing paper, checks the alignment, calculates the amount displayed on the paper billing paper, calculates the amount of paper billed on the paper, and checks whether the payment is possible. Allow you to withdraw the amount verified in your payment account.

When the transferred billing paper is detected by the sensor S2, the cutter unit 22 cuts the receipt of the paper and the storing request document of the billing paper, and detects the receipt and the storing request by the sensor S3 of the stamp unit 23. When the date and the recipient is printed on the giro receipt and receipt request, the giro receipt is returned to the paper entrance and exit (5), and the receipt request is stored in the storage unit 27 while counting by the sensor (S4) (S5).

At this time, the recording unit 7 is a device for recording the transaction details of the customer, and communicates with the main control unit 10 to record the operation time, the fault content, the processing result, and the like, and the recording unit 7 is connected to the print control circuit. A font for printing is built in, and a thermal recording type printer can be configured for smooth output of an image.

As described above, the present invention reads the data of the card and the paper-billing paper when the footnote card and the paper-billing paper are inserted into the entry and exit of the giro storage device, and calculates the amount of payment at the main fisherman according to the read result. After withdrawing the amount calculated from online, the stamp and the customer's card, which is automatically stamped on the billing paper, and the customer's card are returned to the customer through the entrance and exit. Transferring and storing to the storage unit in the storage device, and the contents of the transaction can be recorded in the record of the giro storage device to reduce the front-line work of financial institutions that are concentrated at the end of the month or the end of the year, and to open a separate storage window for billing charges. Not only does it need to be stored, but it also records the transaction details of the amount billed to the Jiro. And there to allow for computerized, which will provide the effect of reducing the enormous manpower and cost to the business process.

Claims (3)

(Correction) When various cards and papers are inserted into the entrance and exit of the giro storage device, the data of the cards and papers are read, and the amount calculated from the payment account of the card by calculating the amount of payment in the main fishery according to the read result. After the withdrawal is made online, the receipt of receipt, the date of receipt and the agent are automatically stamped onto the billing paper, and the giro receipt and the customer's card are returned to the customer at the entrance and exit. Automatic transfer processing method characterized in that the transfer and storage, the transaction contents are to be kept in the recording section of the giro storage device. A paper entry / exit (5) configured to insert a billing paper into the image display unit (2), a keypad unit (3), and a card entry / exit (4), and data of the card inserted into the card entry / exit (4) The controller 20 controls the card recognition unit 6, the recording unit 7 for recording transaction contents such as operation time, disability contents, processing result, and the like. Jiro paper processing unit 100 for conveying and processing, and the main control unit 10 for controlling all of the devices. The method of claim 2, wherein the sensor unit 21 for detecting the position of the branch paper and the position of the cut line, the cutter unit 22 to cut along the cut line of the paper branch billing paper, and the payment destination to the cut paper sheet And a stamp unit 23 for printing the storage date, the handling person, and the like, a medium transfer unit 24 for controlling the position and transfer of the paper billing paper by controlling the motor 241, and the type of paper billing paper. Recognizing unit 25 to align and calculate the display amount, a thickness detecting unit 26 for detecting the thickness of the paper bill paper inserted into the paper inlet and outlet 5, and a storage unit 27 for storing and storing the processing request Jiro storage automatic processing device, characterized in that by configuring the paper processing unit 100.

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