KR100413343B1 - Giro processing system using barcode - Google Patents

Abstract

The present invention can provide the billing information issued by the bill to the payer in the form of a bar code, to receive the bar code information through the unmanned depository, and to perform the bill payment. The present invention relates to a giro treatment system using a bar code.

The jiro processing system using a bar code according to the present invention comprises a biller for billing the payer to the payer, and a billing system that is combined with a plurality of unmanned payers and a banking company to perform the financial processing through a predetermined communication network, the biller Provides information corresponding to the contents of the request to the Giro ticket or payer's mobile communication terminal in the form of a two-dimensional bar code. Here, the unmanned receiver is configured to include bark recognition means for recognizing a two-dimensional bar code, and is configured to perform a giro payment process by recognizing a two-dimensional bar code displayed on a Giro table or a mobile communication terminal. And the financial company provides the giro payment information provided from the unmanned delivery machine to the giro processing device, the giro processing device is configured to manage the database to the information so that it can be provided to the borrower or payer in real time.

In addition, the jiro processing apparatus of the jiro processing system using a bar code according to the present invention receives the billing information from the biller to generate a two-dimensional bar code based on this, and then provide to the biller is not provided with a bar code generation means or payer It can be configured to provide directly to the mobile communication terminal.

Therefore, according to the present invention, the payer can easily make a giro payment through an unmanned payment machine, and can eliminate the inconvenience of storing a giro payment receipt, and a financial company can perform the work according to the giro payment processing through a giro payment process through an unmanned payment machine. It is possible to reduce the load on the bank, and the shorter period of the payment of the giro payments by the giro processing device shortens the transfer period of the giro payments from the financial institutions, thereby helping to activate the management.

Description

Giro processing system using barcode

The present invention can provide the billing information issued by the bill to the payer in the form of a bar code, to receive the bar code information through the unmanned depository, and to perform the bill payment. The present invention relates to a giro treatment system using a bar code.

Currently, Jirojang is widely used as a payment method of electric charges, electric charges, and gas charges.

Payment of giro payments using a Giro table is processed as follows. In other words, the bill issuer (hereinafter referred to as "Biller") receives a Giro code from the KFTC and sends a bill of giro to each payer based on this. The payer pays the cash equivalent to the amount of giro through the bank window, and the bank sends the giro slip paid with the cash to the KFTC, and the KFTC performs the settlement of the giro. After that, the KFTC will provide the information on the completion of the payment to the bank and the borrower, and the bank will transfer the payment amount paid by the payer to the account of the relevant biller based on the information on the completion of the payment by the KFTC.

By the way, the payment process using the giro ticket can be stored only through the bank's storage window, and in the case of utility bills, the payment deadline is usually set at the end of each month. As a result, the bank window is crowded with payers for giro payment of utility bills by the end of each month, causing a problem of overloading the work of bank employees on the day. In addition, even in the case of the payer, there is an inconvenience that it takes a lot of time to wait in the bank for payment of giro. In addition, in the payment process for giro, the payer or the borrower has to keep the payment receipt separately, as well as the inconvenience of having to check the currently processed payment information by hand through the payment receipt. .

In order to solve this problem, a drone has been recently proposed to automatically process giro sheets.

However, the above-mentioned giro ticket unmanned deposit machine is intended to directly input the giro bill, so if the payer misplaces the bill and damages it, the payment of the giro ticket is not performed or unmanned. An error occurs in the information recognition of the giro table inside the receiver.

In addition, the unmanned cash dispenser is configured to scan the Giro slip inserted into the Giro inlet for information recognition for payment processing of the Giro slip. There is a problem that information scanning is wrong and error occurs in information analysis.

Accordingly, the present invention has been created in view of the above-described circumstances, and provides the payer in the form of a bar code in the form of a bar bill issued by the biller, and performs the bill payment process based on the bar code information applied through the bar code contact surface of the unmanned storage machine. The technical purpose is to provide a Jiro treatment system using a bar code.

In addition, there is another technical object to provide a geoprocessing system using a bar code that can be managed by providing a database of information to the bill payer or payer by managing the information paid into the database.

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a system schematic diagram of a giro treatment system using a barcode according to a first embodiment of the present invention.

2 and 4 are block diagrams showing functionally separated internal configuration of the biller 20 shown in FIG.

3 is a diagram illustrating a bar code printing shape of a giro slip issued to the payer at the biller 20;

Figure 5 is a block diagram showing the functional separation of the internal configuration of the financial company 30 shown in FIG.

FIG. 6 is a block diagram showing the branch payment processing operation of the control unit 35 shown in FIG.

Figure 7 is a block diagram showing the functional separation of the internal configuration of the unmanned storage device 40 shown in FIG.

FIG. 8 illustrates a schematic front shape of the unmanned storage device 40 shown in FIG.

FIG. 9 is a block diagram showing functional separation of the internal structure of the giro treatment apparatus 10 shown in FIG.

FIG. 10 is a diagram illustrating an information table configuration of the database 14 shown in FIG.

11 is a view for explaining the operation of the giro processing system using the bar code shown in FIG.

12 is a diagram illustrating the branch payment processing (ST4) process shown in FIG.

13 to 16 are views for explaining the configuration of a giro processing system using a bar code according to another embodiment of the present invention.

******* Brief description of the main parts of the drawing *******

10: giro treatment device, 20: biller,

30: financial company, 40: unmanned deposit machine,

11: input / output part, 12: network connection part,

13: web server, 14: database,

15: Service control unit.

Jiro processing system using a bar code according to the first aspect of the present invention for achieving the above object is a bill to be billed to the payer and the bank is coupled through a predetermined communication network with a financial company combined with a number of unmanned payers to perform financial processing. It is configured to include a processing device, the biller is provided with a bar code generation unit for generating a bar code corresponding to the billing content provided to the payer and the barcode information generated through the bar code generation unit, the unmanned receiver for recognizing the bar code It is provided with a barcode recognition unit and performs the payment of the jiro on the basis of the bar code information applied through the barcode recognition unit, and provides the giro payment information to the financial company, the financial company provides the giro payment information provided from the unmanned delivery machine the jiro processing apparatus In addition, the amount paid to the borrower will be transferred to the borrower's account. Body treatment, said Jiro processing apparatus is characterized in that it is configured to provide to about Giro payment query request from the bilreo addition to storing to a database of payment information provided from the financial company Jiro read out the information in the database.

In addition, the geoprocessing system using a bar code according to a second aspect of the present invention includes a biller for making a bill request to the payer, a geoprocessing device coupled with a plurality of unmanned payers and a financial company that performs a financial process through a predetermined communication network. The unmanned acceptor includes a bar code recognition unit for recognizing a two-dimensional bar code by a contact method, and performs the giro payment process based on the bar code information applied through the bar code recognition unit and provides the giro payment information to the financial company. In addition, the financial company provides the giro payment information provided from the unmanned depository to the giro processing device, and transfers the amount of the giro payment to the account of the corresponding biller, and the biller provides the jiro billing information to the giro processing device. , The giro treatment device is provided with a barcode generation unit for generating a two-dimensional barcode the bill It generates barcode information on the contents of the request for jiro provided to the dealer and provides it to the borrower.In addition, the database provides the database of the giro payment information provided from the financial institution. It is characterized in that configured to.

In addition, the giro processing system using a bar code according to the third aspect of the present invention is combined with a biller for making a bill request to the payer, and a financial company combined with a plurality of unmanned payers and through a predetermined communication network and the payer through a mobile communication network The unmanned receiver is provided with a bar code recognition unit for recognizing a two-dimensional bar code by a contact method, and is based on bar code information applied through the bar code recognition unit. In addition to the payment process, the giro payment information is provided to the financial institution, and the financial institution provides the giro payment information provided from the unmanned depository machine to the giro processing device, and transfers the amount of the giro payment to the account of the corresponding biller. The biller provides the jiro claim content information to the jiro processing apparatus. In addition, the giro processing apparatus includes a bar code generation unit for generating a two-dimensional bar code to generate bar code information on the contents of the giro claim provided from the biller to provide to the payer's mobile communication terminal and to provide the giro payment information provided from the financial company. It is characterized in that it is configured to read the corresponding information from the database for the request for payment of giro payment from the biller by the database and provide it to the biller.

That is, according to the above, the payer can easily make the giro payment through the unmanned payment machine, and can eliminate the inconvenience of storing the giro payment receipt. In addition, the bank can reduce the load of the work due to the giro payment process through the giro payment process through the unmanned depository. In addition, Biller can shorten the transfer period of the giro payments from the financial company due to the short-term giro payment confirmation processing by the giro processing device, thereby helping to activate the management.

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

1 is a system schematic diagram schematically showing the configuration of a giro treatment system using a barcode according to the present invention.

FIG processing Jiro using a bar code according to the present invention as shown in Figure 1 Giro system processor 10 is a plurality of bilreo through a predetermined communication network: the configuration is combined with (20 20 ₁ ~20 _M) and the financial institution 30 The financial company 30 is composed of a plurality of unmanned storage machines 40: 40 ₁ to 40 _N.

At this time, the biller 20 sends a bar code stamped to the payer, the unmanned receiver 40 is provided with a bar code recognition means for recognizing the bar code printed on the bill of payment payer 40 It is configured to be able to perform the giro payment through.

In addition, the financial company 30 is configured to store the giro payment information that is paid by the payer is able to check the payment results of the giro through the unmanned paying machine (40). Here, the financial company 30 may be provided with a central server for collectively managing the giro payment information, and may be configured such that a plurality of financial companies 30 are coupled to the central server.

In addition, the jiro processing apparatus 10 is configured to store the giro information provided from the biller 20 and the financial company 30 and is configured to retrieve the giro information required from the biller 20 to provide to the biller 20. . At this time, the jiro processing apparatus 10 may be a service company that commercializes the jiro processing system using a barcode according to the present invention.

On the other hand, Figure 2 is a schematic diagram showing the internal configuration of the biller 20 shown in Figure 1 separated, in particular, it can be implemented as, for example, a server for processing a variety of information processed in the biller.

In FIG. 2, reference numeral 21 denotes an input / output unit comprising a key input means composed of a plurality of numeric keys and function keys for the administrator to input predetermined information or commands, and an output means for displaying and outputting various kinds of information, in particular, giro related information. 22 is a Giro Journal Generator section for issuing a Giro Journal to be provided to the payer, which generates a barcode corresponding to the contents of the Giro claim described in the Giro Chart, and prints the barcode information on the Giro Journal. 23) is configured. Here, the giro journal issuing unit 22 issues a giro table based on the giro billing contents information provided through the input / output unit 21 and provides the giro billing contents information to the barcode factor unit 23. It generates barcode information corresponding to the claims. At this time, the billing information of the jiro includes the giro code granted from the Korea Financial Services Agency, the payer information provided to the payer, the payer address and the name of the payer, and the billing information including the payment amount and the due date. The barcode factor unit 23 generates a two-dimensional barcode based on the billing information. In general, two-dimensional barcodes have a higher information collection rate than one-dimensional barcodes and have excellent error correction functions that are automatically restored even if they are damaged by up to 40%. For example, two-dimensional barcodes are generated by barcodes such as Datamatrix, PDF417, and QR Code. That is, FIG. 3 illustrates a part of the giro slip that the biller 20 sends to the payer, and the two-dimensional barcode B corresponding to the giro billing contents is printed on one side of the giro slip. In addition, the bar code factor unit 23 is configured as a separate device is configured to print the bar code information in the giro bill by the administrator directly inputs the gyro ticket issued from the gyro ticket issuer 22 to the bar code factor 23 It is also possible.

In FIG. 2, reference numeral 24 denotes a network connection unit 24 as an interface for transmitting and receiving data to and from the giro processing apparatus 10, and 25 denotes payment information for storing payer information input through the input / output unit 21. As the section 25, it stores billing information such as the name, address, contact information, giro payment amount and giro payment deadline, etc. for each payer code registered through the input / output unit 21.

In addition, reference numeral 26 is a control unit for controlling the overall operation of the presenter 20, which in particular controls the issuance of the Giro voucher through the Giro Journal issuing unit 22, and the Giro publication issuing information to the network connection unit 24 It is configured to send to the giro treatment apparatus 10 through. Then, the manager sends out the giro payment result request information provided from the input / output unit 21 to the giro processing apparatus 10 and transmits the giro information provided from the giro processing apparatus 10 through the input / output unit 21. Control to display output.

On the other hand, the biller 20 shown in Figure 1 is configured to have a network connection 27 for connecting to the mobile communication network as shown in Figure 4 to provide the billing information to the payer's mobile communication terminal (M) It is possible to carry out.

That is, the payer information storage unit 25 stores the payer's mobile communication terminal number information, and the control unit 26 transmits the payer's mobile communication terminal number and the branch billing information and the corresponding barcode information through the network connection unit 27. It is configured to provide to the payer's mobile communication terminal (M). At this time, the biller 20 provides the billing information in a text message manner to the payer's mobile communication terminal (M) in connection with the mobile communication company for providing the service. The barcode information may be provided to the mobile communication terminal M by using, for example, WAP / URL Push as image information.

On the other hand, Figure 5 is a block diagram showing the functional separation of the internal configuration of the financial company 30 shown in FIG.

In Fig. 5, reference numeral 31 denotes an interface for performing data transmission / reception with the unmanned storage 40, 32 is a network connection portion for data transmission and reception with the giro processing apparatus 10, 33 is provided at a window for processing by a bank clerk. An input / output terminal for inputting and outputting various financial information, 34 is a database for storing giro payment information, and 35 is a control unit for controlling the overall operation of the financial institution, and is specifically configured to perform giro payment-related processing.

Here, the control unit 35 performs a host computer function of a general financial company and processes the deposit and withdrawal from the card or the corresponding account and the database update process based on the giro payment information provided to the unmanned storage 40 and the input / output terminal 33. The giro payment processing block 351 and the giro payment information stored in the database 34 are searched and the giro payment information stored in the database 34 is provided to the unmanned storage 40 and the giro processing apparatus 10. The payment information providing block 352 and the transfer processing block 353 for transferring the amount of the stored giro payment to the account of the corresponding biller 20 based on the giro payment result information applied from the giro processing apparatus 10 are provided. It is configured, which will be included in the operation program module of the controller 35. At this time, the giro payment information providing block 352 temporarily stores the giro payment processing information processed by the giro payment processing block 351 to provide the giro processing apparatus 10 at a predetermined period, for example, on a daily basis. It is composed.

In addition, the database 34 stores the payer information and the payment information for each bill of the merchant's giro code, the payer information includes a payer code and a payer name, and the pay information is a payment date, a payment amount and a payment form (card / bankbook). / Cash). This information is provided from the unmanned storage 40 or the input / output terminal 33.

On the other hand, Figure 7 is a block diagram showing the functional separation of the internal configuration of the unmanned storage 40 shown in FIG.

In FIG. 7, reference numeral 41 denotes a deposit and withdrawal processing unit for recognizing and counting cash or check input and output, and 42 indicates that the user inputs information such as a password or selects a service function. An information input / output unit 43 for displaying and outputting a screen is a barcode recognition unit for scanning barcode information contacted with a barcode input unit to be described later, and reading and processing barcode input barcode information.

In addition, reference numeral 44 is a card / bankbook processing unit for recognizing a card or bankbook, 45 is an interface for transmitting and receiving data with the financial company 30, 46 performs a normal financial processing through an unmanned storage machine, and a barcode recognition unit. It is a control unit which performs the giro payment processing based on the giro billing information provided through 43, and provides the giro payment processing information to the financial company 30 in real time. Then, the control unit 46 requests the giro payment result information from the financial company 30 based on the reception of the giro payment result request information from the information input / output unit 42, and the giro payment result provided from the financial company 30. The information is controlled to be displayed and output through the information input / output unit 42.

FIG. 8 illustrates a schematic front shape of the unmanned storage device 40 shown in FIG. 7, and as shown, a front surface of the unmanned storage device 40 includes a card / book reader 401 for recognizing a card or a bankbook. A touch panel 402 for displaying and outputting various types of information processed by the unmanned storage device 40, a barcode input unit 403 for scanning barcode information, a recording paper outlet 404, Image scanning the entire Giro sheet, if there is a two-dimensional bar code, read the barcode information and then discharge the Giro sheet. If there is no two-dimensional bar code in the inserted Giro sheet, the data of the OCR section is read and processed to store the Giro sheet itself. The branch guillotine inlet 405 is provided and comprised. In this case, the touch panel 402 requires re-entry of the giro information, in particular, when the bar code information is scanned through the bar code input unit 403 or the giro information entered into the giro coupon inlet 405 is not read. In addition to outputting a message, the payer is used to directly enter the billing information. That is, the unmanned acceptor 40 is configured to provide a bar code input, a gazette input, and a direct input through the touch panel as a method of inputting billing information. Here, the method of directly inputting the billing information through the input of a bill of paper or the touch panel is intended to be used as an alternative method of paying bills if the bill payment process is not normally performed using a two-dimensional bar code.

On the other hand, Figure 9 is a block diagram showing the functional separation of the internal configuration of the giro treatment apparatus 10 shown in FIG.

In FIG. 9, reference numeral 11 denotes an input / output unit for an information interface with a manager, 12 denotes a network connection unit for data transmission / reception processing with the biller 20 and the financial company 30, and 13 shows the biller 20 and the financial company 30. It is a web server that provides services such as membership registration and login processing and input / output services of giro information through the Internet, such as providing giro billing information from the biller 20, and checking a bill of giro payments to the biller 20.

In addition, reference numeral 14 is a database for storing the Jiro processing information according to the present invention, 15 is a service control unit for overall control of the Jiro processing apparatus, which is provided in particular from the biller 20 and the financial company 30 The database 14 is updated based on the giro process related information, and the database 14 reads out the corresponding information from the database 14 and provides the information to the biller 20 in response to a request from the biller 20.

Here, as shown in FIG. 10, the database 14 includes a biller information storage unit 141, a giro information storage unit 142 for storing giro billing information according to the issuance of giro, and the giropayment-processed information. The payment information storage unit 143 is stored. The biller information storage unit 141 stores ID information, bill information, biller access information, biller access information, and the like for each biller provided by the financial settlement agency for each biller 20. The Giro information storage unit 142 is a payer personal information such as the name, address, resident number, etc. of the payer code assigned to the payer in the biller 20, the due date information, payment amount information, payment date information, etc. Billing information is stored. The payment information storage unit 143 stores giro payment financial company information for each payer code provided from the financial company 30, and giro payment information such as payment amount information and payment date information.

Next, the operation of the system having the above-described configuration will be described with reference to FIG.

First, in order to provide this service, the biller 20 and the financial company 30 perform a series of membership registration and registration processing on the giro processing apparatus 10.

In the above state, the biller 20 is based on the giro billing issuer, such as the giro code, the payer code, the payer's name, the payer's address, the payment amount, the due date, and the date of the issue date. In addition to issuing a Giro table through the bill, the billing information is sent to the giro processing apparatus 10 (ST1, ST2). Then, the giro processing apparatus 10 stores the giro billing information provided from the biller 20 in the giro information storage unit 142 of the database 14 (ST3).

At this time, the journal publication issuing unit 22 prints the two-dimensional bar code corresponding to the relevant billing information through the barcode factor unit 23 and mails the journal statement to the payer or the two-dimensional barcode image to the payer's mobile communication terminal. Information can be provided by WAP / URL Push. It is desirable that the payer chooses to provide the billing information to the mobile communication terminal to be provided from the biller 20 only when the payer's mobile communication terminal number is registered in the payer information storage unit 143.

That is, the payer receives the bar code information corresponding to the billing information from the biller 20 to the bill of land or the mobile communication terminal.

Thereafter, the payer performs the giro payment process through the window of the financial company 30 or the unmanned paying machine 40, and the paying of the jiro through the unmanned paying machine 40 is as follows (ST4).

First, as shown in FIG. 12A, the payer selects the giro / utility bill item 40a on the output screen of the unmanned acceptor 40 and inserts a bankbook or a card for withdrawing the giro payment. Subsequently, the payer inputs the password of the passbook / card inserted into the unmanned acceptor 40 as shown in FIG. 12B and selects the barcode payment item 40b on the output screen as shown in FIG. 12C. Subsequently, through the output screen (touch panel of FIG. 8) of the unmanned receiver 40, a screen for guiding barcode input is output as shown in FIG. 12D, and the payer is displayed on his or her own Jiro chart or mobile terminal. After placing the barcode portion in the barcode input portion shown in Fig. 8, the barcode input item 40d is selected. The barcode recognition unit 43 of the unmanned storage device 40 reads the two-dimensional barcode information of the part in contact with the barcode input unit based on the input of the barcode input item 40d information, and transmits the billing information to the controller 46. do. The controller 46 displays the giro billing information applied from the barcode recognition unit 43 through the PDR panel 402 as shown in FIG. 12E so that the payer confirms the contents of the giro payment, and then confirms by the payer. When the item 40e is selected, the predetermined branch payment information composed of the branch billing information and the withdrawal information applied from the bankbook / card processing unit 44 is provided to the financial company 30 (ST5). Then, the unmanned acceptor 40 outputs the paper payment processing magazine in the form of a recording sheet.

On the other hand, the financial company 30 performs a series of giro payment processing based on the giro payment information applied from the unmanned delivery machine 40, and stores the giro payment information in the database 34 (ST6). At this time, the financial company 30 receives the giro payment information, which is paid through the bank window, through the input / output device 33 and stores it in the database 34.

In addition, the financial company 30 transmits the giro payment information stored in the database 34 to the giro processing apparatus 10 (ST7). At this time, the financial company 30 statistically processes the giro payment information provided from the unmanned acceptor 40 or the input / output terminal 33 on a predetermined cycle, for example, on a daily basis, and provides them to the giro processing apparatus 10 collectively. Done.

The giro processing apparatus 10 updates the database 14 based on the giro payment information applied from the financial company 30 (ST8). That is, the giro processing apparatus 10 stores the giro payment information provided from the financial company 30 in the payment information storage unit 143 of the database 14.

In addition, the giro processing apparatus 10 is to provide predetermined giro payment confirmation information to the biller 20 and the financial company 30 (ST9, ST10), respectively. At this time, the giro processing apparatus 10 is to separate the giro payment information for each biller based on the giro code information to provide to the corresponding biller 20.

Then, the financial company 30 transfers the amount of money paid to the account of each of the borrowers based on the information of the payment of the payment of giro from the giro processing apparatus 10 (ST11).

On the other hand, when the giro payment result request information inputted through the input / output unit 21 from the manager of the biller 20 is provided to the giro processing apparatus 10, the giro processing apparatus 10 reads the corresponding information from the database 14. To provide the giro information verification service provided to the biller (20) (ST12).

In addition, the payer selects the branch payment result inquiry item 40c of the unmanned delivery machine 40 as shown in FIG. 12C, and then checks the payment result as shown in FIG. 12D. (403 in FIG. 8) is provided to the unmanned storage 40. The unmanned acceptor 40 reads the barcode information through the barcode recognizer 43 and provides the billing information and the payment result confirmation request information to the financial institution 30, and the financial company 30 is authorized from the unmanned acceptor 40. On the basis of the information that is read out from the database 34, the payment information is provided to the unmanned delivery machine 40 to provide the payer with the payment results confirmation service through the unmanned payment machine 40 (ST13).

That is, in the above embodiment, the biller 20 generates a two-dimensional bar code for the contents of the bill of giro, and provides the payer with the chart of the journal or the mobile communication terminal, and the payer uses the bar code information displayed on the chart of the chart or the mobile communication terminal. It is configured to perform the branch payment processing through the unmanned storage device.

On the other hand, the giro treatment system using a bar code according to the present invention is configured to include a bar code generator 16 in the giro processing apparatus 10, as shown in Figure 13, the biller 20 in the giro processing apparatus 10 After receiving the billing information from the base from the bar code generation unit 16 based on this to generate a two-dimensional bar code for the billing information can be carried out to provide the two-dimensional barcode information to the biller 20.

In addition, the above embodiment may be inconvenient that the payer should visit the place where the unmanned pay machine is installed to check the payment results of the giro. In another embodiment as a Giro processing apparatus 70 as shown in Fig. 14 according to the present invention, a plurality of payer devices _{(80: 80 1 ~ 80 K} ) through a predetermined communication network such as the Internet and configured to engage with, payers The payment terminal 80, for example, by using a computer can be carried out so that it is possible to query the status of their giro payment. At this time, the payer may be provided with a payment service for a search on the premise that the member pays the membership to the giro processing apparatus 70, and the giro processing apparatus 70 is configured to store the payer's member information in a database for the authentication processing of the payer. It would be desirable to.

In the system as shown in FIG. 14, the jiro processing apparatus 70 provides the giro billing information including the two-dimensional bar code to the payer terminal 80 via E-mail, and the payer terminal 80. It is also possible to provide the giro billing information and the account information to withdraw the payment amount to the giro processor 70 to perform the online giro payment processing. At this time, the giro processing apparatus 70 requests transfer processing to the account of the corresponding biller 20 through the financial company 30 on the basis of the account information provided from the payer terminal 80, and the giro payment information is stored in the database. 14 to be stored.

In addition, in the above embodiment, the biller 20 is provided to the payer's mobile communication terminal to provide two-dimensional bar code information on the billing request. However, as shown in FIG. 15, the payer moves in the billing processor 10. It is possible to implement to provide two-dimensional bar code information on the billing contents to the communication terminal.

That is, as illustrated in FIG. 15, the giro processing apparatus 10 includes a mobile processing apparatus 90 for wirelessly providing jiro billing information to the mobile communication terminal 100 through a mobile communication network. Here, the mobile processing device 90 is configured to store the payer's personal information and mobile communication terminal number information in advance, and a barcode for generating a two-dimensional barcode corresponding to the billing information provided from the biller 20. It is comprised by the generation part 91. Then, the two-dimensional barcode information generated by the barcode generator 91 is provided to the payer's mobile communication terminal 100 through the mobile communication network. At this time, the mobile processing device 90 first transmits a text message for guiding the transfer of the bill to the mobile communication terminal 100 as shown in FIG. 16 (X), and the transmission request from the mobile communication terminal 100 for this. When the information is authorized, that is, when the "connection" item shown in (X) is selected, the mobile processing apparatus 90 generates a two-dimensional barcode for the payer through the barcode generator 91 to push the WAP / URL. It is provided to the mobile communication terminal 100 in a manner (Y). Subsequently, the payer performs the giro payment process through the unmanned receiver 40 by using the two-dimensional barcode output to the mobile communication terminal 100 as shown in (Y).

In addition, in FIG. 15, the mobile processing device 90 may be implemented to provide a payment service for the branch billing information provided to the payer's mobile communication terminal 100. That is, as shown in (Y) of FIG. 16, the payer selects a payment item (not shown) in the state in which the billing information is provided to the payer's mobile communication terminal 100, and displays a screen such as (Z) of FIG. In the information, he selects a payment item he wants, namely, 1. credit card payment, 2, a bank transfer payment item, and makes a payment request for a corresponding branch request to the mobile processing device 90. The mobile processing device 90 Giro billing information and payment information of the payer may be provided to the financial institution 30 through the giro processing apparatus 10 to perform the giro payment processing.

That is, the giro processing system using the bar code according to the present invention provides the two-dimensional bar code information corresponding to the contents of the giro bill issued by the biller to the mobile communication terminal of the giro journal or the payer, and provides the two-dimensional bar code information through the unmanned depository. It is possible to provide a jiro processing system using a bar code that can receive the jiro payment processing.

In addition, the giro treatment system using a bar code according to the present invention is to perform the verification process for the giro payment information to be processed by the payer in the giro processing device, and to manage the giro payment information in a database to manage the giro to the borrower or payer It is configured to provide related information in real time.

In addition, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the technical spirit of the present invention.

As described above, according to the present invention, the payer can easily make giro payment through the unmanned payment machine, and can eliminate the inconvenience of storing the giro payment receipt. In addition, the bank can reduce the load of the work due to the giro payment process through the giro payment process through the unmanned depository. In addition, the biller can shorten the transfer period of the giro payments from the financial company due to the short-term giro payment confirmation processing by the giro processing device, thereby helping to activate the management.

Claims (13)

Borrower for billing the payer to the payer, a banking company that is combined with a number of unmanned payers and the billing company and the banking company through a predetermined communication network combined with the biller and the banking company through a predetermined communication network, and is combined with the payer's mobile communication terminal through a mobile communication network Configured to include the device, The biller includes a two-dimensional barcode generation unit for providing the jiro billing information, including a giro code, payer information, a payment amount, a due date, and the like, to generate a two-dimensional bar code corresponding to the jiro billing information. Providing the payer with the 2D barcode information generated through the 2D barcode generation unit, The unmanned receiver includes a two-dimensional bar code recognition unit for recognizing a two-dimensional bar code and performs giro payment processing based on the two-dimensional bar code information applied through the two-dimensional bar code recognition unit and provides the giro payment information to the financial company. , The financial company provides the giro payment information provided from the unmanned depository to the giro processing apparatus, and transfers the amount of giro payments to the account of the corresponding biller based on the giro payment confirmation information authorized from the giro processing apparatus. The giro processing apparatus is configured to store and store the database payment information provided from the financial company, and to read the information from the database for the request for payment of giro payments from the borrower and the payer, and provide the information to the borrower and the payer. Giro treatment system using 3D barcode. delete The method of claim 1, The two-dimensional bar code recognizer provided in the unmanned container is a giro processing system using a two-dimensional bar code, characterized in that to receive the two-dimensional bar code information by a contact method. The method of claim 1, The financial company is configured to store the database of giro payment information, and when the same giro payment request information is received from the unmanned storage machine, the database is configured to provide the giro payment result information to the unmanned storage device. Giro treatment system using. The method of claim 1, The biller processing system using a two-dimensional bar code, characterized in that configured to print the two-dimensional bar code information to the giro sheet. The method of claim 1, The biller processing system using a two-dimensional bar code, characterized in that configured to provide the two-dimensional bar code information through the payer's mobile communication terminal configured to be combined with the mobile communication network. delete delete The method of claim 1, The jiro processing apparatus includes a bar code generation unit for generating a two-dimensional bar code to generate a two-dimensional bar code information on the contents of the request from the bill to the biller giro processing system using a two-dimensional barcode. delete The method of claim 1, The giro processing apparatus is a giro processing system using a two-dimensional bar code, characterized in that to generate a two-dimensional bar code information for the billing information provided from the biller to the payer's mobile communication terminal. delete The bill is composed of a bill that makes a bill to the payer, a bank company that performs a financial process in combination with a plurality of unmanned payers, and a bill and a bill that are combined with the payer's mobile communication terminal through a mobile communication network. In the giro payment method of a giro processing system using a two-dimensional bar code comprising a processing device, Providing a two-dimensional bar code of the giro processing device to generate a two-dimensional bar code based on the giro billing information, such as the giro code, payer information, payment amount, due date provided from the biller to the payer's mobile communication terminal through the mobile communication network Steps; A giro payment processing step of an unmanned storage machine which recognizes the giro billing information such as the giro code, the payer information, the payment amount, the payment due date, etc. from the two-dimensional barcode provided to the payer's mobile communication terminal and performs the giro payment processing based on the contact method; The transfer process step of the financial company that provides the giro payment information of the giro payment processing step to the giro processing device, and transfers the amount of giro payments to the accounts of the respective borrowers based on the giro payment confirmation information provided by the giro processing device; ; The database of giro billing information provided from the biller is read, the relevant information is read from the database in response to the request of the payer, and provided to the payer terminal. Also, the bill of giro payment from the biller and the payer is databased. Giro payment method of a geoprocessing system using a two-dimensional bar code, characterized in that it comprises a step of providing information of the geoprocessing apparatus for reading the information from the database for the request to the borrower and payer.