KR100873340B1 - System for Registering Electronic Payment and Settlement Service by Using Giroor Utilities Receiving Information - Google Patents

Abstract

The present invention provides a method and system for registering a customer's electronic payment and payment service using customer giro (or utility bill) information and a customer giro (or utility bill) information server building server and a customer giro (or utility bill) customer information database. An electronic payment and payment service registration server and a recording medium therefor, the method comprising: a giro (or utility bill) storage device and / or an Internet banking based giro (or utility bill) storage system and / or a financial company teller terminal in a predetermined information collecting means. Collecting customer giro (or utility bill) information and payment means (or financial means) information used by the customer to pay the giro (or utility bills) from the device and / or system and / or the terminal, and predetermined information The collected customer branch (or utility bill) information in the storage means and the branch ( The payment method (or financial means) information used by the customer for payment of utility bills is stored in a predetermined storage medium, and the electronic payment and payment service registration procedure of the customer is performed in a predetermined electronic payment and payment service registration means. It is characterized by performing. Thereby, in the conventional EBPP application process, there is an advantage of eliminating the inconvenience that the customer registers the electronic bill for Jiro / utility bills one by one.

Giro, utility bill, EBPP, application

Description

System for Registering Electronic Payment and Settlement Service by Using Giro (or Utilities) Receiving Information}

1 is a diagram showing a system for collecting giro / utility billing information according to an embodiment of the present invention.

2 is a view showing a preferred functional configuration of the automatic bill acceptor according to an embodiment of the present invention.

Figure 3 is a detailed functional configuration of the bill processing unit of the automatic bill acceptor according to an embodiment of the present invention.

4 is a view illustrating a method of operating a utility bill acceptor according to an embodiment of the present invention.

5 is a diagram showing a preferred functional configuration of a financial automation device according to another embodiment of the present invention.

6 is a diagram illustrating a method of operating a financial automation device according to another embodiment of the present invention.

7 is a diagram illustrating a jiro / utility bill processing system according to an embodiment of the present invention.

8A, 8B, and 8C are diagrams illustrating a method of collecting giro / utility billing information according to an exemplary embodiment of the present invention.

9 is a diagram illustrating an EBPP service request system according to an embodiment of the present invention.

10 is a diagram illustrating an EBPP service request method according to an embodiment of the present invention.

11 illustrates an EBPP application interface screen according to an embodiment of the present invention.

12A, 12B, and 12C illustrate an EBPP application interface screen according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating a system for collecting giro / utility billing information according to another exemplary embodiment of the present invention. FIG.

14A, 14B, and 14C are diagrams illustrating a method of collecting giro / utility billing information according to another exemplary embodiment of the present invention.

15 is a diagram illustrating an EBPP service request system according to another exemplary embodiment of the present invention.

16 is a diagram illustrating an EBPP service request method according to another embodiment of the present invention.

<Description of main parts of drawing>

100: financial system 140: financial transaction confirmation unit

145: information extraction unit 150: information receiving unit

155: information storage unit 160: DB server

165: storage history D / B 200: utility bill automatic storage

500: financial automation equipment 900: EBPP registration server

905: interface unit 910: information confirmation unit

915: information extraction unit 920: information receiving unit

925: information storage unit 930: customer authentication unit

935 storage medium 945 customer terminal

The present invention relates to a customer giro (or bills) storage history information received through the giro (or bills) storage device and / or Internet banking-based Giro (or bills) storage system and / or financial company window terminal in a predetermined information collection means; Collect payment means (or financial means) information used by the customer for payment of giro (or utility bills) from the device and / or system and / or terminal, and receive the collected customer giro (or utility bills) in a predetermined information storage means. The information and the payment means (or financial means) used by the customer for payment of the jiro (or utility bills) are linked to each other and stored in a predetermined storage medium, and the electronic payment of the customer is made in a predetermined electronic payment and payment service registration means. And the customer's electronic paper using the customer's giro (or utility bill) receipt information, characterized in that the payment service registration procedure is performed. Provides a payment and payment service registration method and system, a customer giro (or utility billing) information database construction server, a customer electronic payment and billing service registration server using the customer giro (or utility billing) information database and a recording medium therefor. It is.

Electronic Bill Presentment and Payment (EBPP) service provides bills, such as telephone bills, credit cards, taxes, apartment management fees, and insurance premiums, directly to customers over the Internet or by an Internet billing company (eg, EBPP). Company), and the customer checks the notice contents through the Internet and pays the amount corresponding to the notice contents, wherein the claiming agency forwards the computer file containing the billing history to the Internet billing company. When the billing company sends the bill to the customer's bank, the bank will notify the customer of the details through the Internet. And when the customer checks the billed amount and payment account balance via the Internet and pays the bill, the payment details are automatically delivered to the billing company, and the payment information is sent to the billing institution. In other words, EBPP services provide services on the Internet by combining electronic presentation and electronic payment.

In the conventional EBPP service, the procedure in which the customer joins the EBPP service (or applies for the EBPP service) is performed by the customer visiting the website operated by the EBPP providing company and registering and at least one or more affiliated with the EBPP providing company The process of registering electronic bills for giro / utility payments corresponding to the billing institutions is done through the process, which includes complicated and inconvenient problems.

As a result, the EBPP service provides an integrated receipt management function while eliminating the inconvenience of bank visits and receipt storage from the customer's point of view, and also provides a discount on the cost of issuing paper bills. Although it has the advantage of eliminating the national waste caused by the issuance of bills and paper bills, it includes problems that are not being activated.

The present invention was derived to solve the above problems, and is stored through a giro (or bills) storage device and / or Internet banking-based giro (or bills) storage system and / or financial company window terminal in a predetermined information collecting means. Collects information on customer giro (or utility bills) and payment means (or financial means) used by the customer for payment of the giro (or utility bills) from the device and / or the system and / or the terminal, and stores predetermined information Means for storing the collected information of the customer's giro (or utility bills) and payment means (or financial means) used by the customer for payment of the giro (or utility bills) and storing them in a predetermined storage medium. Characterized in that the payment and payment service registration means performs the electronic payment and payment service registration procedure of the customer Electronic payment and payment service registration method and system of customer using giro (or utility billing) information, server construction of customer giro (or utility billing) information database, electronic payment of customer using customer giro (or utility billing) database And a payment service registration server and a recording medium therefor.

In the present invention, a customer's electronic payment and payment service registration system using customer's giro (or utility bill) storage information is a giro (or utility bill) storage device and / or Internet banking-based giro (or utility bill) storage system and / or financial company teller terminal Information collecting means for collecting information on customer giro (or utility bill) received through the customer and payment means (or financial means) used by the customer for payment of the giro (or utility bill); Information storage means for linking the collected customer giro (or utility bills) information and payment means (or financial means) information used by a customer for payment of the giro (or utility bills) and storing the information on the predetermined storage medium; And extracting at least one storage item information and payment means (or financial means) information corresponding to the customer in connection with the storage medium (or storage medium operating means) when performing the electronic payment and payment service registration process of the customer. Using the extracted billing information and the billing agency information and the extracted customer payment means (or financial means) information, or using the extracted billing information. On the basis of the customer information and the extracted customer payment means (or financial means) information, which is requested after being provided to the customer during the electronic payment and payment service registration process of the customer (or utility bill). Automated registration of at least one of billing agency information, customer information and payment method (or financial instrument) information for payment of giro (or utility bills) Electronic payment settlement service registration means; including characterized in that formed.

According to an embodiment of the present invention, the electronic payment and payment service registration system processes the transmission and reception of the electronic payment and payment service registration request and / or registration approval related information in association with the electronic payment and payment service registration target customer terminal. It is preferable that the interface means further comprises.

According to an embodiment of the present invention, the electronic payment and payment service registration system further includes authentication processing means for authenticating the electronic payment and payment service registration target customer in association with the electronic payment and payment service registration target customer terminal. It is preferable to make it.

According to an embodiment of the present invention, the electronic payment and payment service registration means is associated with a storage medium (or storage medium operating means) for storing the billing agency number information and the billing institution information corresponding to each other, the extraction; It is preferable to check the billing agency information corresponding to the billing institution number information included in the received receipt history information.

In addition, the electronic payment and payment service registration means is associated with a storage medium (or storage medium operating means) for storing the information associated with the payment means (or financial means) for each customer and the corresponding customer information, respectively, the extracted It is preferable to confirm customer information corresponding to payment means (or financial means) information.

According to the implementation method of the present invention, it is preferable that the storing information information includes at least one billing agency number information, payer number information, and payment amount information corresponding to the branch (or utility bill) storing process, Preferably, the payment means (or financial means) information includes at least one of cash card number information, debit card number information, account number information, credit card number information, check card number information, and electronic money information.

According to the method of the present invention, each of the above means may be provided in a single server (or apparatus) or may be provided in a plurality of servers (or apparatuses), and the present invention is not limited thereto.

In the present invention, a method of registering a customer's electronic payment and payment service using customer giro (or utility bill) storage information is a giro (or utility bill) storage device and / or Internet banking-based giro (or utility bill) storage system in a predetermined information collecting means. And / or the device and / or system and / or information on customer giro (or utility charges) received through the financial company window terminal and payment means (or financial means) information used by the customer for payment of the giro (or utility charges). Or collecting information collected from the terminal; By linking the collected information of the customer giro (or utility bills) and payment means (or financial means) information used by the customer for payment of the giro (or utility bills) in a predetermined information storage means to store in a predetermined storage medium Information storage step; And an electronic payment and payment service registration step of performing the electronic payment and payment service registration procedure of the customer in a predetermined electronic payment and payment service registration means. The electronic payment and payment service registration step may include: Extracting at least one storage item information and / or payment means (or financial means) information corresponding to the customer, in association with the storage medium (or storage medium operating means), and extracting the extracted storage history information. Confirming the bill of lading (or utility) billing agency information, and / or using the extracted customer payment means (or financial means) information, or confirming customer information using the extracted storage history information; ; And automatically registering the verified billing (or utility billing) billing agency information and / or customer information with the electronic payment and payment service registration information.

According to an embodiment of the present invention, the electronic payment and payment service registration step further comprises the step of automatically registering the extracted customer payment means (or financial means) information to the electronic payment and payment service registration information. desirable.

According to the implementation method of the present invention, the electronic payment and payment service registration method processes the transmission and reception of the electronic payment and payment service registration request and / or registration approval related information in association with the electronic payment and payment service registration target customer terminal. It is preferable that the step further comprises.

The electronic payment and payment service registration method may further include a customer authentication processing step of authenticating the electronic payment and payment service registration target customer in association with the electronic payment and payment service registration target customer terminal. .

According to the present invention, the recording medium provided in the system for implementing the electronic payment and payment service registration method of the customer using the customer branch (or utility bill) information is recorded a program for executing the method.

In the present invention, the customer branch (or utility) storing information database construction server is a customer branch (or utility) stored through the branch (or utility) storage unit and / or Internet banking-based branch (or utility) storage system and / or financial company counter terminal. Utility bill) information receiving unit for receiving from the device and / or system and / or the terminal information and payment means (or financial means) information used by the customer for payment of the branch (or utility bill); And an information storage unit for linking the received customer giro (or utility bills) information and the payment means (or financial means) information used by a customer to pay the giro (or utility bills) and storing the information in a database. Characterized in that made.

In the present invention, the customer's electronic payment and payment service registration server using the customer giro (or utility bills) information database, the customer means (or utility bills) and the payment means used by the customer for payment of the giro (or bills) ( Or financial means) a database for storing information in association; An information extracting unit for extracting information on receipt and / or payment means (or financial means) corresponding to the customer from the database when registering the electronic payment and payment service of the customer; Confirm the branch (or utility) billing agency information using the extracted storage history information, and / or use the extracted customer payment means (or financial means) information, or use the extracted storage history information. Information confirmation unit to confirm the customer information by; And an information register for automatically registering at least one or more of the giro (or utility billing) billing information, the customer information, and the customer payment means (or financial means) information to the electronic payment and payment service registration information. It is characterized by comprising.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In the present invention, each means constituting the electronic payment and payment service registration system for the customer using customer branch (or utility bill) information is provided in a predetermined server according to the unique characteristics (or roles) defined in the means. A program recorded on the record carrier (e.g., a program comprising at least one or more functional units for performing a unique function (or role) of each means), and / or a unique definition of that means It is possible to be configured as an independent server that performs one function (for example, consisting of a plurality of server systems that interoperate with each other through a predetermined server-to-server interface), the preferred embodiment of the present invention to be implemented below Programs (and / or programs) recorded on a recording medium provided in a predetermined server in order to effectively describe the technical components. Will be described as being implemented through a plurality of servers interworked with each other, but the method of implementing the above means is not limited to the following embodiment.

In addition, the following embodiments are referred to as "EBPP" for convenience of the electronic payment and payment in order to easily explain the key technical features of the present invention to those skilled in the art to which the present invention belongs, for the present invention Terms for naming the components will also be appropriately modified and used by those skilled in the art, but the present invention is not limited thereto.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a jiro / utility billing information collection system according to an embodiment of the present invention.

In more detail, FIG. 1 shows predetermined receipt information corresponding to at least one branch / bill payment processing from a predetermined utility bill acceptor 200 and / or a financial automation device 500 at a predetermined DB server 160. After receiving payment means information, and / or extracts predetermined storage history information and financial means information from the financial system 100 that performs the jiro / utility bills in a predetermined DB server 160, the storage history information The present invention relates to an implementation method of a jiro / utility billing information collection system for processing payment information (and / or financial instrument information) and a predetermined storing history D / B 165 in association with each other. Those skilled in the art may refer to and / or modify this drawing 1 to designate a utility bill acceptor 200 and / or a financial automation device 500 and / or a financial system 100. Receives (or extracts) predetermined storage history information and payment means information (and / or financial instrument information) from the data, and processes the storage history information and payment instrument information (and / or financial instrument information) in a predetermined manner. Various implementation methods for storing in the D / B 165 may be inferred, but the present invention is not limited to the implementation method inferred.

Referring to FIG. 1, the jiro / utility bill collection information collection system uses a predetermined financial institution (for example, a commercial bank branch) as a storage institution, such as a cash card, debit card, bank account, credit card, check card, and electronic money. A utility bill acceptor 200 for storing and processing bills printed on a jiro bill through a payment means including at least one or the like, or a financial automation provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place. A branch / utility receiving device including at least one device 500, the branch / utility storing device and a network 170 and / or communication means 170, which are connected to the Receives predetermined storage history information and payment means information corresponding to at least one branch / bill payment processing, and links the storage history information and payment means information. DB server 160 to process and store in the predetermined storage history D / B (165).

Among the components of the giro / utility billing information collection system, a detailed description of the automatic bill acceptor 200 and a giro / utility bill storage method will be described in detail in Figures 2, 3 and 4, the financial automation device ( Detailed description of the method 500 (for example, ATM / CD) and a method of storing a bill / bill is described in detail with reference to FIGS. 5 and 6. In addition, the giro / utility bill receiving device performs a jiro / utility bill processing for at least one jiro bill in conjunction with a predetermined giro / utility bill processing system, a description thereof will be described in detail in FIG.

Referring to FIG. 1, the DB server 160 includes at least one billing institution number, a payer number, and a payment amount corresponding to at least one branch / bill payment processing from the branch / bill storage device. And an information receiving unit 150 for receiving payment means information that has performed payment processing for the payment amount calculated by summing at least one payment amount, and at least one storage item received through the information receiving unit 150. And an information storage unit 155 for storing information and the payment means information in a predetermined storage history D / B 165 for cooperative processing.

The information receiver 150 has a communication channel connected to the giro / utility bill acceptor through a predetermined network 170 and / or communication means 170, the at least one jiro bill in the giro / bill acceptor After the processing of the storage of bills and bills is completed, the sum of billing information and the at least one payment amount corresponding to the bills of bills and bills is calculated from the bills of bills and bills through the communication channel. And receiving predetermined payment means information used to process the payment amount.

According to an embodiment of the present invention, when the giro / utility bill acceptor corresponds to the utility bill acceptor 200, the storage information is the utility bill acceptor 200 by recognizing and reading at least one branch of the bill of the bill Claimant number obtained from the contents printed on the Giro slip (eg, the Giro number and / or collection agency number printed on the Giro slip and / or the publication number, etc.) and payer number (eg, the payer number printed on the Giro slip. And / or a customer reference number, etc.) and at least one payment amount (e.g., in-delivery amount or post-delivery amount, etc.) printed on a Giro form.

According to another exemplary embodiment of the present invention, when the branch / utility bill storage device corresponds to the financial automation device 500, the storage history information may include a billing institution number (eg, received from the payer by the financial automation device 500). Giro numbers and / or collection agency numbers and / or journal issuance numbers, etc. printed on the Giro slips, payer numbers (e.g., electronic payment numbers, etc. printed on the Giro slips), and payment amounts (e.g., financial automation devices 500 ), At least one or more of the amount paid from the KFTC / billing agency based on the Giro number and the electronic payment number.

According to an embodiment of the present invention, the payment means information includes at least one payment card, debit card, bank account, credit card, check card, electronic money, etc. through the card reader provided in the giro / utility storage device It is preferable to include at least one or more of the cash card number, debit card number, account number, credit card number, check card number, electronic money information and the like obtained from the means.

The information storage unit 155 processes the storage history information and payment means information received from a predetermined branch / utility bill storage device through the information receiving unit 150 to store in the predetermined storage history D / B 165. The information stored in the storage history D / B 165 is used as raw data for easily constructing a database corresponding to an EBPP registration request from a predetermined customer in a predetermined EBPP registration server. .

According to another embodiment of the present invention, the information storage unit 155 in the storage history information D / B (165) by storing the storage history information and payment means information in association, the predetermined billing agency D / B Extracts and replaces billing agency information corresponding to the billing agency number included in the storage history information from (not shown in FIG. 1), and replaces the storage history from predetermined customer information D / B (not shown in FIG. 1). The payer information corresponding to the payer number included in the information may be extracted, replaced, and stored. In this case, the process of extracting billing agency information corresponding to the billing institution number of the accommodation information from the EBPP service application system and the payer The process of extracting payer information corresponding to the number may be omitted, and the present invention is not limited thereto.

In addition, referring to Figure 1, the branch / utility billing information collection system is provided in a predetermined financial institution (for example, a computer system of a commercial bank), in conjunction with at least one or more teller terminal and / or Internet banking system A financial system 100 that performs financial affairs corresponding to a branch / utility storing process, and is connected to the financial system 100 through a predetermined interfacing means 135, and at least one branch from the financial system 100 / DB server 160 that receives the predetermined storage history information and financial means information corresponding to the utility bill storage processing, and stores the information in the storage history D / B (165) by linking the storage history information and the financial means information It is made, including.

The financial system 100 includes an account system 110 that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch, and information for processing a headquarters business and branch information support and customer information management. The system 115 connects the financial system 100 with homes, businesses, stores, and other external computer networks to provide various electronic financial services (e.g., Internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic Teller Machine) , An external module 105 for providing a foreign currency, a call center, a financial settlement, and the like, and an interface module 120 corresponding to a middleware platform for providing interfacing between components in the financial system 100; Stores predetermined information (eg, financial account (or financial product), customer ledger information, or management information, etc.) required for each function in a component in the financial system 100. It includes a DBMS (Database Management System) 125 to manage, the intention of the person skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks, credit card companies) and the financial system 100 According to the purpose and characteristics of, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment banking module (not shown), international module (not shown), whereby the present invention It is not limited.

The account system 110 is connected to a teller terminal provided in at least one or more branches through a predetermined financial network 130, characterized in that to provide a credit / receiving service requested from the teller terminal, and also CMS (Cash) Management Service) It is characterized by performing a counter terminal-based jiro / utility substitute work such as collection and / or giro / utility related work.

According to one embodiment of the present invention, when a predetermined customer makes a predetermined CMS deposit slip and deposits it through a teller terminal provided at a predetermined branch, the CMS deposit slip corresponds to a CMS account number corresponding to a predetermined billing institution. And a CMS number corresponding to the customer, a CMS deposit amount and the customer information (for example, a customer name, a social security number, a contact number, etc.), and the information entered in the CMS deposit slip is written to the financial system through the teller terminal. Inflow to the account system 110 of (100).

According to another exemplary embodiment of the present invention, when a predetermined customer performs CMS deposit through predetermined Internet banking and / or wireless banking using a customer terminal, the CMS deposit is predetermined from the customer terminal in the process of performing the CMS deposit. The CMS account number corresponding to the claiming institution of, the CMS number corresponding to the customer, the CMS deposit amount, and the financial account information of the customer withdrawn from the CMS deposit amount are introduced into the external system 105.

According to another exemplary embodiment of the present invention, the customer may perform CMS deposit through the financial automation device 500. In this case, the customer corresponds to a predetermined billing institution from the customer terminal in the process of performing the CMS deposit. The CMS account number, the CMS number corresponding to the customer, the CMS deposit amount, and the financial account information of the customer withdrawn from the CMS deposit amount are introduced into the external system 105.

According to an embodiment of the present invention, the information system 115 and the DBMS 125 interoperate with each other to provide a financial means (for example, a financial account or a financial account) for a customer having a predetermined financial account opened in the financial system 100. Cash card / debit card, etc. information associated with the account is preferably managed by linking the customer information.

In addition, at least one or more branches are provided, at least one window terminal interlocked with the financial system 100, the terminal device for performing credit / receiving / trust operations in the branch, as well as terminal equipment related to Jiro / billing processing Characterized in that comprises a.

Referring to FIG. 1, the DB server 160 may be linked with the financial system 100 to replace the branch / utility storing task and / or the financial task related to the branch / utility storing (eg, CMS collection). Financial transaction confirmation unit 140 to check whether the occurrence occurs, and when the result of the check in the existing financial system 100, a predetermined branch / utility bill-related operation occurs, the financial system 100 associated with the branch / utility bill storage An information extracting unit 145 for extracting the storing history information and the financial means information, and a predetermined storing history D / B 165 for cooperatively processing the storing history information and the financial means information extracted through the information extracting unit 145; And an information storage unit 155 stored in the storage unit.

The financial transaction confirmation unit 140 interoperates with the account system 110 and / or the external system 105 provided in the financial system 100 through a predetermined interfacing means 135 in the financial system 100. Periodically check whether the work related to storage of giro / utility bills occurs.

As a result of the financial transaction confirming unit 140, when the financial system 100 generates a business related to the branch office / utility bill, the information extracting unit 145 performs the financial system 100 through the interfacing means 135. Extracting the details of the storage corresponding to the jiro / utility bill storing process and at least one or more payment amounts corresponding to the storage details, and the predetermined financial means information used to pay the total amount of payment calculated; It is done.

The information storage unit 155 processes the storage history information and the financial means information extracted from the financial system 100 through the information extraction unit 145 to store in the predetermined storage history D / B 165. The information stored in the storage history D / B 165 is used as raw data for easily constructing a database corresponding to an EBPP registration request from a predetermined customer in a predetermined EBPP registration server.

According to the embodiment of the present invention, the DB server 160 may be provided in the financial system 100 or may be provided outside the financial system 100, and thus the present invention is not limited thereto. For example, when the DB server 160 is provided in the financial system 100, the interfacing means 135 may be included in an interface module 120 interworking components in the financial system 100. When the DB server 160 is provided in the financial system 100, the interfacing means 135 may include a predetermined network connected to the external system 105 of the financial system 100. In addition, when the DB server 160 is provided in the financial system 100, connecting the financial system 100 and the DB server 160 to protect the financial system 100 according to the intention of the person skilled in the art. The interfacing means 135 may further include a predetermined security server (not shown), whereby the present invention is not limited.

According to the implementation method of the present invention, the financial means is a giro / utility payment means linked to a financial account operated through the financial system 100, the financial account number corresponding to the financial account, the financial account associated with It is preferable to include a cash card and / or a debit card.

According to another embodiment of the present invention, the information storage unit 155 in the storage history information D / B (165) by storing the storage history information and financial means information in connection, a predetermined billing agency D / B Extracts and replaces billing agency information corresponding to the billing institution number included in the storage history information from (not shown in FIG. 1), and replaces the storage history from predetermined customer information D / B (not shown in FIG. 1). The payer information corresponding to the payer number included in the information may be extracted, replaced, and stored. In this case, the process of extracting billing agency information corresponding to the billing institution number of the accommodation information from the EBPP service application system and the payer The process of extracting payer information corresponding to the number may be omitted, and the present invention is not limited thereto.

2 is a view showing a preferred functional configuration of the automatic bill acceptor 200 according to an embodiment of the present invention.

More specifically, FIG. 2 illustrates a payment means including at least one of a cash card, a debit card, a bank account, a credit card, a check card, an electronic money, etc. using a predetermined financial institution (eg, a commercial bank branch) as a receiving institution. As shown in the preferred functional configuration of the automatic bill acceptor 200 for receiving and processing bills printed on the bill of jiro through, those of ordinary skill in the art to which the present invention pertains, reference and / or modification of this figure 2 Thus, various implementation methods for the automatic bill acceptor 200 provided in each financial institution may be easily inferred, but it is apparent that the present invention is not limited by the inferred implementation method. Hereinafter, the bill is processed through the utility bill acceptor 200 is referred to as "bill" for convenience.

Referring to FIG. 2, the automatic bill acceptor 200 according to the present invention recognizes and acquires a payment means including at least one of a cash card, a debit card, a bank account, a credit card, a check card, an electronic money, and the like. 210, a ticket processing unit 220 for recognizing and reading a journal statement to obtain predetermined storing information and / or a journal image printed on the journal, and receiving predetermined payment information for each payment step of the journal. A key input unit 240, a screen output unit 215 for outputting a processing screen according to each payment step, at least one storing information acquired from at least one book through the book processing unit 220, and the card recognition The predetermined amount of bill information is processed by the payment means information obtained from the predetermined payment means through the unit 210 and the payment amount information including the payment amount included in the at least one storing information. A communication unit 235 for exchanging with the burr (or device), a print output unit 245 for printing and outputting a storing history and a storing result including at least one or more of the storing information, predetermined payment means information, and payment amount information; A control unit for controlling each of the functional components provided in the memory unit 255 for storing the storage history and the journal image, the bill storage unit 225 for storing the stored physical bill and the automatic bill acceptor 200 ( 205). In addition, it further comprises a power supply unit 230 for supplying a predetermined power to the utility bill acceptor.

The control unit 205 controls the overall operation of the automatic bill acceptor 200 in the functional configuration, manages the flow of information or data between each component, the components provided in the automatic bill acceptor 200 according to the present invention And at least one processor and execution memory (e.g., registers and / or random access memory (RAM)) and predetermined hardware including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware. And a bus for inputting and outputting data of the data, and is loaded from a predetermined recording medium into the execution memory in order to perform a function specific to the automatic bill acceptor 200 by software. It includes a predetermined program routine (Routine) and / or program data that is arithmetic processing by the processor Shall be.

The card recognition unit 210 provides an interface for reading at least one or more information or data provided on a predetermined card for automatically storing the Jiro / utility bill, and is based on the ISO / IEC 7810 standard. Stripe) and an MS interface that provides an interface between the utility bill acceptor 200, and / or a contact IC interface based on an ISO / IEC 7816 standard and a contact IC card and the utility bill acceptor 200 provide an interface. And / or a contactless IC interface providing an interface between the contactless IC card and the utility bill acceptor 200 based on the ISO / IEC 14443 standard.

The MS interface is a card recognition unit 210 based on the ISO / IEC 7810 standard, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card recorded with (Binary data) and / or MS provided in the bankbook moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), And interfacing predetermined information or data from the at least one track provided in the MS of the MS card to the utility bill acceptor 200 by using a predetermined electrical signal loaded on the magnetic head. .

The contact IC interface is a card recognition unit 210 based on the ISO / IEC 7816 standard, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized by interfacing with the utility bill receiver 200.

The non-contact IC interface is a card recognition unit 210 based on the ISO / IEC 14443 standard. The non-contact IC interface uses at least an electrical contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and bills predetermined information or data from the IC chip through a half duplex transaction such as the APDU. It is characterized in that the interface to the automatic receiver 200.

According to the method of the present invention, the card recognition unit 210 recognizes a payment means including at least one or more of a cash card, debit card, bankbook, credit card, check card, electronic money, etc. It is preferable to read and provide the read payment means information to the controller 205. For example, the payment means information may include at least one of a cash card number, debit card number, account number, credit card number, check card number, electronic money information, etc. corresponding to each payment method.

The book processing unit 220 may include at least one of an optical character recognition (OCR) document, and / or a seminal OCR document, and / or a magnetic ink character recognition (MICR) document, and / or A document, and / or a standard OCR document. Recognizing and reading a book containing the book, characterized in that to obtain the predetermined information stored in the book.

According to an embodiment of the present invention, the journal processing unit 220 generates a predetermined journal image by digitizing the information and the shape printed on the journal (for example, an optical scan function and / or a digital camera photographing function, etc.). It is preferable to further include.

In addition, the book processor 220 is a book image generation function for recognizing and reading predetermined storing information written in a book (for example, A book) by the payer, and pattern recognition of the book image. Preferably, the method further comprises a handwritten character / number recognition system for recognizing the information.

According to the present invention, the storing information obtained by recognizing and reading a predetermined form through the form processing unit 220 includes at least one of a billing institution number, a payer number, and a payment amount information. The billing agency number preferably comprises at least one of a giro number and / or a collection agency number and / or a book publication number, etc., which are printed on the table, and the payer number is a payer number and / or a customer, printed on the table. It is preferable to include at least one or more reference number, and the payment amount information preferably includes at least one or more in-delivery amount information and / or post-delivery amount information printed in the table.

The journal storage unit 225 stores the physical journal processed by the journal processing unit 220, and according to a preferred embodiment of the present invention, the physical journal read normally by the journal processing unit 220 It is preferably configured to include a read document storage unit 330 to be stored and an unread document storage unit 335 for storing a real document not normally read by the document processing unit 220. In the bill automatic receiving device 200 according to the present invention, a preferred embodiment of the document processing unit 220 and the book storage unit 225 will be described in detail with reference to FIG. 3.

The key input unit 240 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined value and is provided to the key input device in a specific input mode and / or an operation mode of the utility bill acceptor 200 controlled by the controller 205. When predetermined information (or signal) is inputted from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 205. The controller 205 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the utility bill acceptor 200, and / or matches the key event. And obtain a command to execute a defined function. The key input unit 240 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the utility bill acceptor 200.

According to the exemplary embodiment of the present invention, a key input device interoperating with the key input unit 240 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

The screen output unit 215 reads predetermined storage information by recognizing and reading a predetermined function (eg, at least one or more documents, and based on the storage information through a predetermined payment means). In the process of performing a function of automatically storing bills), the controller 205 is predefined to output to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT). Or outputting at least one or more information or data defined in real time through a predefined payment step screen interface, and the predefined information or data to be output on the screen by the utility bill acceptor 200 may include: Key data input through the key input unit 240, and / or by the components provided in the utility bill acceptor 200 Or at least one of information (or data) generated, information (or data) transmitted / received through the communication unit 235, and / or a predetermined calculation result performed by the utility bill acceptor 200. This includes the above.

According to the exemplary embodiment of the present invention, the screen output unit 215 preferably outputs a processing screen according to each payment step of the utility bill acceptor 200.

The communication unit 235, the utility bill acceptor 200 reads a predetermined function (for example, at least one or more forms by reading and reading the predetermined storage information, and based on the storage information through a predetermined payment means) And / or the terminal (or device) connected to the utility bill acceptor 200 through a predetermined cable and / or the utility bill acceptor 200 to be connected through a predetermined short-range wireless communication. It provides a predetermined communication means for connecting a communication session with a terminal (or device), a network communication unit for connecting a predetermined communication channel with a server (or terminal) on a wired or wireless network, and / or a predetermined cable Cable communication unit for connecting a communication session with a predetermined terminal (or device) through a communication port, and / or at least one short-range wireless communication means It includes a short-range wireless communication unit for connecting a predetermined short-range communication terminal (or device) device and a predetermined communication session through, a communication protocol and / or driver for connecting the communication channel (or communication session) by software It is made, including.

The network communication unit may be a predetermined wired network including at least one or more financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network, etc.), and / or a mobile communication network based on CDMA, or a DataTAC scheme of Motorola Inc. of America or Erricson Corporation. It is characterized by connecting a communication channel with a server (or terminal) on the wired / wireless network through a predetermined wireless network including at least one of a Mobitex-based wireless data communication network or an IEEE 802.16 based portable Internet network. And a modem or a network interface card (NIC) for connecting the utility bill receiver 200 to a predetermined wired / wireless network, and the utility bill receiver 200 is software-driven to the wired / wireless network. Including communication protocols and / or drivers for accessing Is done.

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable may be connected in hardware. It comprises a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). The above-described short-range wireless communication means for connecting a predetermined terminal (or device) and a short-range wireless communication session, the short-range wireless including the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB in hardware It includes a predetermined short range wireless communication module for communication, and comprises a communication protocol and / or driver for the short range wireless communication in software.

According to an embodiment of the present invention, the communication unit 235 may include at least one or more pieces of storage information obtained from at least one form through the form processing unit 220 and a predetermined payment means through the card recognition unit 210. It is preferable to exchange the payment amount information, which is the sum of the acquired payment means information and the payment amount included in the at least one storing information, with a predetermined ticket processing server (or apparatus).

The print output unit 245 reads predetermined storage information by the utility bill acceptor 200 by recognizing and reading a predetermined function (for example, at least one form, and based on the storage information through a predetermined payment means). And a predetermined information or data (e.g., billing result) generated as a result of the process of performing the function of automatically storing billing charges) and / or the result of the billing. And a printing protocol and a driver for printing the print information or data through the printing apparatus 250 according to the printed form.

According to an embodiment of the present invention, it is preferable to print out the storing details and the storing result including at least one of the storing information, predetermined payment means information, and payment amount information.

The memory unit 255 may input / output when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the utility bill acceptor 200 is performed. General term of non-volatile memory for storing information or data), including at least hardware-based electrically erasable and programmable read only memory (EEPROM) and / or flash memory (FM) and / or hard disk drive (HDD). It comprises one or more storage means, the control unit 205 is a predetermined program routine and program data required for performing a predetermined control function (for example, the program routine is input or output to perform a predetermined function) Data) is stored.

According to the method of the present invention, the receipt information obtained by recognizing and reading at least one of the documents by the ticket processing unit 220 and the payment means information and at least one or more information acquired by the card recognition unit 210 are recognized. It is preferable to store a storing history including the payment amount information calculated by summing the payment amount included in the storing information, and / or to store the book image obtained from the at least one book by the book processing unit 220. .

3 is a detailed functional configuration diagram of the bill processing unit 220 of the automatic bill acceptor 200 according to an embodiment of the present invention.

In more detail, Figure 3 shows a preferred functional configuration for the bill processing unit 220 shown in the bill automatic receiving device 200 shown in Figure 2, the person having ordinary skill in the art to which the present invention belongs In this case, various embodiments of the present invention can be easily inferred by referring to and / or modifying the drawing 3 to recognize and read predetermined bills in the utility bill acceptor 200 to read predetermined bill information (or bill factor information). It is to be understood that the invention is not limited to the inferred embodiment.

Referring to FIG. 3, the document processing unit 220 includes a document inserting unit 305, a document conveying unit 310, a document reading unit 315, a temporary storage unit 320, and / or a document distribution unit 325. And a sensor S1 is provided between the document input unit 305 and the document conveying unit 310 to check whether a predetermined document is input through the document input unit 305, and the document conveying unit 310 is provided. And a sensor S2 for checking whether a document to be read is transferred to the document reading unit 315 is provided between the document reading unit 315 and the document reading unit 315 and the temporary storage unit 320. A sensor S3 is provided for checking a document that has passed through the reading unit 315, and between the temporary storage unit 320 and the document distribution unit 325 is provided for checking the document that has passed through the temporary storage unit 320. The sensor S4 is provided.

When a predetermined document is input through the document inserting unit 305, the sensor S1 detects this and drives the roller through the motor M, and the document conveying unit 310 including the roller includes the inserted document. It is transferred to the journal reading unit 315.

When the document is transferred to the document reading unit 315 through the document conveying unit 310, the sensor S2 detects this, whereby the document reading unit 315 performs a reading procedure on the conveyed document. do.

According to an embodiment of the present invention, the journal reader 315 may include an optical scanner and / or an optical character reader (OCR) and / or a magnetic ink character reader (MICR). And / or at least one or more 1D / 2D bar code readers (BCRs) and / or digital cameras, and the like, and includes predetermined information (eg, utility bills) printed on the table. Information) is digitized and read out. Those skilled in the art to which the present invention pertains understand the technical features of reading the information printed on the book by the book reader 315, and thus the detailed description thereof will be omitted for convenience.

The document read as described above is transferred to the temporary storage unit 320 through a roller and temporarily stored, and the sensor S3 detects that the document is transferred to the temporary storage unit 320.

According to the exemplary embodiment of the present invention, the document transferred to the temporary storage unit 320 is a reading book read normally by the book reading unit 315 or an unread book that is not read by the book reading unit 315. One of the reading sheets.

The temporary storage unit 320 discharges the temporarily stored journal to the journal distribution unit 325, and the thin wire S4 detects that the journal is discharged from the temporary storage unit 320.

According to the exemplary embodiment of the present invention, the journal reader 315 and / or the temporary storage unit 320 may obtain a journal image for the reading journal through an optical scanner and / or a digital camera. For example, when the journal reader 315 is equipped with the optical scanner and / or a digital camera, the journal reader 315 further has a function of acquiring a predetermined journal image for the reading journal in addition to the reading function. If the temporary storage unit 320 is equipped with the optical scanner and / or digital camera, the temporary storage unit 320 further has a function of acquiring a document image while temporarily storing the reading document. Can be done. Of course, according to the intention of those skilled in the art may be provided with a separate book image acquisition unit (not shown).

The document distribution unit 325 checks whether the document discharged from the temporary storage unit 320 is a read document or an unread document in association with the document reader 315, and the read document is stored in the document storage unit ( The unread document is transferred to and stored in the unread document storage unit 225 and 335 of the document storage unit 225.

At this time, the unread slip is to input the predetermined billing information from the customer through the key input unit 240 provided in the automatic bill acceptor 200, and / or to operate and manage the utility bill acceptor It is possible to process through the manual confirmation of the staff, whereby the present invention is not limited.

Thereafter, data processing for the read and / or unread documents is performed according to a previously defined procedure, whereby the present invention is not limited.

4 is a diagram illustrating a method of operating a utility bill acceptor 200 according to an embodiment of the present invention.

In more detail, FIG. 4 is a bill automatic receiving device 200 as shown in FIG. 2, and acquires at least one or more storing information by recognizing and reading at least one form through the form processing unit 220. Based on the stored information, a predetermined payment amount (eg, the total payment amount including the payment amount included in at least one or more storage information) is calculated, and the predetermined payment means (for example, a card provided with the payment means) is used. As an example of an operation screen of a utility bill acceptor 200 for processing a calculated payment amount and paying a payment amount included in the storage information, a person having ordinary knowledge in the technical field to which the present invention pertains, By referring to and / or modifying the Figure 4 it will be easy to infer the operation screen of each automatic bill acceptor 200 according to the intention of those skilled in the art, The present invention is not limited thereto. In addition, those skilled in the art to which the present invention pertains, it is easy to infer the respective information obtained in each operation screen through the utility screen automatic bill acceptor 200 illustrated in FIG. Could be.

4A is an initial screen of the automatic bill acceptor 200, and a payer inputs a bill in which predetermined storage information is printed according to a bill form in a bill input slot provided in the automatic bill acceptor 200. The bill processing unit 220 provided in the utility bill acceptor 200 recognizes and reads the inserted bill through the functional configuration as shown in FIG. 3 to obtain predetermined storing information, and (b) of FIG. Similarly, the obtained storing information is output to the screen.

As described above, the process of acquiring a book and storing information may be repeatedly performed with respect to a plurality of documents, as shown in (c) of FIG. 4. The utility bill acceptor 200 sums a payment amount included in the obtained at least one storing information as shown in (d) of FIG. 4 and adds a predetermined payment amount (eg, the payment amount included in the at least one storing information). A total payment amount), and requests for payment processing for the payment amount through a predetermined payment means as shown in FIG.

The payer processes payment for the payment amount (total payment amount) through a payment means including at least one of a cash card, debit card, bank account, credit card, check card, electronic money, etc. as shown in (e) of FIG. In the above process, payment means information including at least one of a cash card number, a debit card number, an account number, a credit card number, a check card number, and electronic money information corresponding to the payment means is obtained.

As described above, the payment processing for the payment amount (total payment amount) corresponding to the storage information obtained from at least one or more forms is processed through the Jiro / utility bill processing system shown in FIG. 7, and the automatic bill acceptor 200 As shown in Fig. 4B, the branch / bill payment completion screen is output.

5 is a view showing a preferred functional configuration of the financial automation device 500 according to another embodiment of the present invention.

In more detail, FIG. 5 is a diagram of a financial automation device 500 that provides a giro / bill payment function in a financial automation device 500 provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place. As shown in the preferred functional configuration, those of ordinary skill in the art to which the present invention pertains, various implementation methods for the financial automation device 500 provided in each financial institution by referring to and / or modifying the figure 5 It will be readily apparent that the present invention is not limited by the method of inferring.

Referring to Figure 5, the financial automation device 500 according to the present invention is a card reader unit for recognizing and obtaining a payment means including at least one of a cash card, debit card, bankbook, credit card, check card, electronic money, etc. 510, a screen output unit 515 for outputting a processing screen according to each financial transaction and utility bill payment step, a key input unit 520 for receiving predetermined information according to each financial transaction and utility bill payment step, and A payment amount obtained by adding at least one or more pieces of storage information through a key input unit 520, payment means information obtained from a predetermined payment means through the card reader unit 510, and a payment amount included in the at least one or more pieces of storage information. A communication unit 530 for exchanging information with a predetermined document processing server (or device), a memory unit 555 for storing each financial transaction history and a storage history, and cash for each financial transaction to a customer. Urgently, the cash supply unit 540 and the power supply unit for supplying power to the financial automation device 500 and at least one terminal function unit 535 and each of the functional components provided in the financial automation device 500 A control unit 505 is included.

The control unit 505 controls the overall operation of the financial automation device 500 in terms of function configuration, manages the flow of information or data between each component, and provides the financial automation device 500 for at least one financial transaction and bill payment. At least one processor and execution memory (for example, a register) and a predetermined component, which control the at least one or more components included in the hardware), the hardware including a Central Processing Unit (CPU) / Micro Processing Unit (MPU). And a bus for inputting and outputting data, and at least one electronic circuit (or integrated circuit) therefor, and furthermore, the financial automation device 500 to perform a specific function in software. Loading from the predetermined recording medium provided to the execution memory and the operation by the processor Including a predetermined program routine (Routine) and / or the program data to be re-characterized in that formed. In particular, the controller 505 includes a predetermined operating system and / or a terminal control program routine for managing the financial automation device 500 after the financial automation device 500 is booted in software. .

The card reader 510 may provide an interface between the card and the financial automation device 500 to read at least one or more information or data included in the card for at least one financial transaction and utility bill payment. In addition, the MS reader interface for interfacing an MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the financial automation device 500 and / or a contact IC (Integrated Circuit) card based on the ISO / IEC 7816 standard are financed. And a contact IC reader unit for interfacing with the automation device 500 and / or a contactless IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the financial automation device 500.

The MS reader unit is a card reader unit 510 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the at least one track (Track) included in the MS of the MS card to the predetermined information or data characterized in that the interface to the financial automation device 500.

The contact IC reader unit is a card reader unit 510 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to the automated device 500.

The non-contact IC reader unit is a card reader unit 510 based on ISO / IEC 14443. At least one of the non-contact IC card may be in electrical contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It comprises the above antenna, and supplies power to the IC chip of the IC card through the antenna, and financial automation of predetermined information or data from the IC chip through the half-duplex transaction using APDU It is characterized in that the interface to the device 500.

The screen output unit 515 is predefined so that the financial automation device 500 is output by the control unit 505 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT). Or at least one information or data that is defined in real time or is defined in real time, and a key input through the key input unit 520 to pre-defined information or data to be output on the screen by the financial automation device 500. Data corresponding to data, information stored or generated by components included in the financial automation device 500, information transmitted / received through the communication unit 530, and data corresponding to a predetermined operation result performed by the financial automation device 500. It is made to include.

According to the exemplary embodiment of the present invention, the screen output unit 515 preferably outputs a processing screen according to the bill payment step defined in the financial automation device 500.

The key input unit 520 is provided with at least one or more key buttons including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the financial automation device 500 controlled by the controller 505. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 505. The controller 505 may acquire predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial automation device 500, and / or match the key event. It is characterized by obtaining a command to execute a defined predetermined function. The key input unit 520 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the financial automation device 500.

According to an embodiment of the present invention, a key input device interoperating with the key input unit 520 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to the present invention, the utility bill payment through the financial automation device 500, the predetermined storage information (for example, billing agency number (or giro number), etc.) printed on a predetermined form through the key input unit 520, electronic payment Number, etc.), and the screen output unit 515 outputs a predetermined interface screen for inputting the accommodation information printed on the table to the screen output means. It features.

The communication unit 530 is configured to perform a transaction function (for example, a transaction function interoperating with the financial automation device 500 and the external system 105 of each financial system 100) included in the financial automation device 500. Characterized by providing a communication means, including at least one wired network and a mobile communication network or a wireless data communication network, including hardware-added value added network (VAN), financial common network or Asymmetric Digital Subscriber Line (ADSL), etc. Network communication unit for providing transactional communication with a server on a wired or wireless network through at least one wireless network, and / or an external communication device through a predetermined cable communication port (eg, RS-232c, USB (Universal Serial Bus), etc.). Cable communication unit and / or Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth, Wireless LAN that provide transaction communication It includes a local area communication unit that provides transactional communication with the local area communication device through at least one local area wireless communication including wireless LAN, Wi-Fi, and ultra wide band system (UWB). Communication protocols and communication applications for providing communication.

According to the exemplary embodiment of the present invention, the communication unit 530 may include at least one or more storing information input through the key input unit 520 and the card reader unit 510 during the bill payment process defined in the financial automation device 500. It is preferable to exchange the payment amount information obtained by adding the payment means information obtained from the predetermined payment means and the payment amount included in the at least one storing information with the predetermined ticket processing server (or the device).

The memory unit 555 is a storage medium that stores at least one or more information or data required for the control unit 505 to perform a predetermined control function. The memory unit 555 is an EEPROM (Electrically Erasable and Programmable Read Only Memory), FM. (Flash Memory) and at least one storage means including a hard disk drive (HDD), and includes a predetermined program routine and program required for the control unit 505 to perform a predetermined control function in software. Data (e.g., data input or output for a program routine to perform a predetermined function).

According to the exemplary embodiment of the present invention, the billing information input through the key input unit 520 and the payment means information read through the card reader unit 510 and at least during the bill payment process defined in the financial automation device 500 and at least It is preferable to store a storing history including payment amount information calculated by summing payment amounts included in at least one storing information.

Cash payment unit 540 is a financial transaction result corresponding to the card read through the card reader unit 510 from a predetermined financial system 100 through the communication unit 530, a predetermined cash payment to the financial transaction customer When received with an order (or cash payment approval result), the financial automation device 500 is provided with cash (or cash requested by the financial transaction customer) corresponding to the cash payment command (or cash payment approval result). Read out from the predetermined cash storage unit 545 is characterized in that the payment to the customer through the predetermined cash discharge unit 550.

The terminal function unit 535 is a component provided in the financial automation device 500 in addition to the components shown in FIG. 5 and / or components provided in the financial automation device 500 for a predetermined purpose or role. Representatively, various additions according to the intention of those skilled in the art, such as a secure application module (SAM) for supporting financial transactions and / or a print output unit for printing and outputting a receipt and / or a biometric recognition device for biometrics. This includes the functional configuration. Those skilled in the art to which the present invention pertains can easily understand each terminal function unit 535 provided according to the characteristics of the financial automation device 500, and thus a detailed description thereof will be omitted.

6 is a diagram illustrating a method of operating the financial automation device 500 according to another embodiment of the present invention.

In more detail, Figure 6 is obtained in the financial automation device 500 as shown in Figure 5, the at least one receiving information of the billing authority number and the electronic payment number input through the key input unit 520, and the acquisition A predetermined payment amount (e.g., the total payment amount in which the payment amount included in the at least one or more storage information is summed) is calculated based on the received storage information, and through a predetermined payment means (e.g., a card having a payment means). As an example of an operation screen of the financial automation device 500 that processes the calculated payment amount and pays the payment amount included in the stored information, the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the Figure 6 it will be easy to infer the operation screen of each financial automation device 500 according to the intention of those skilled in the art, thereby This is not limited. In addition, those skilled in the art to which the present invention pertains, the financial automation device 500 illustrated in Figure 6 can easily infer the respective information obtained from each operation screen through the operation screen illustrated in FIG. There will be.

6A is an initial screen of the financial automation device 500, wherein the financial transaction customer can provide at least one financial service that can be provided through the financial automation device 500, and the jiro / bill payment service according to the present invention. The predetermined service is selected from among FIG. 6 (b), the financial transaction customer selects the giro / bill payment service according to the present invention on the initial screen.

Referring to (b) of FIG. 6, the financial automation device 500 provides a cash card, a payment card, to the financial transaction customer (or payer) for the giro / utility payment service according to the present invention through the financial automation device 500. Requests predetermined payment means information from a payment means including at least one of a debit card, bank account, credit card, check card, electronic money, etc., and the payer pays cash card number, debit card number, account corresponding to the payment method. It provides the financial automation device 500 with payment means information including at least one of a number, a credit card number, a check card number, and electronic money information.

Subsequently, the financial automation device 500 selects a predetermined branch / bill type to be paid by the payer from among a plurality of branches / bill types as shown in (c) of FIG. 6, and the payer selects a predetermined branch / bill. When the type is selected, the financial automation device 500 requests to input the billing institution number (eg, the Jiro number) and the electronic payment number printed on the journal corresponding to the Jiro / utility bill as shown in (d) of FIG. .

When the payer inputs a billing institution number (e.g., a Giro number) and an electronic payment number as shown in (d) of FIG. 6, the financial automation device 500 enters a predetermined database (e.g., e) in FIG. A billing institution number (eg, a Giro number) from a database provided in the KFTC, or a database provided in each billing institution corresponding to a billing institution number, or a database provided in a financial institution linked to the KFTC / billing institution. And output payment details corresponding to the electronic payment number and request payment processing for the payment details.

If the payer selects payment as shown in (e) of FIG. 6, the financial automation device 500 calculates the total payment amount (payment amount) corresponding to the payment details, as shown in FIG. When the payer requests payment processing (or payment processing) for the total payment amount (payment amount), the financial automation device 500 performs payment processing for the total payment amount (payment amount) corresponding to the payment details. Processing is performed through the branch / utility bill processing system shown in FIG.

7 is a diagram illustrating a jiro / utility bill processing system according to an embodiment of the present invention.

In more detail, FIG. 7 is based on the utility bill acceptor 200 shown in FIG. 2 and / or the financial automation device 500 shown in FIG. 5, or an OCR form, or a flat OCR form, or a MICR form. As illustrated by the method of processing the Jiro / bills for the most commonly used standard OCR form among the chapter A, or the standard OCR form, those of ordinary skill in the art to which the present invention belongs, will be described with reference to FIG. In addition to the standard OCT form, the Jiro / bill processing method corresponding to the OCR form, the fixed OCR form, the MICR form, or the A form will be easily understood, and a detailed description thereof will be omitted for convenience.

The standard OCR form corresponding to FIG. 7 standardizes various forms stored in a financial institution, and processes business only by moving information without moving the physical form. It is a form introduced to convert, consisting of 66 lines of red bands in 2 lines of computer processing part, OCR character of billing agency number (jiro number), payer number (customer reference number), delivery date, amount before and after delivery It is characterized in that the print.

Referring to FIG. 7, a predetermined billing institution provides predetermined receipt information corresponding to the voucher to the KFTC before delivering (or sending) the voucher to at least one or more customers, and thereafter at least including the receipt information. Deliver (or deliver) one or more vouchers to each payer, the payer having the voucher within or after the delivery date imprinted on the voucher, carrying the voucher and visiting a storage location of a given bank, Through the provided automatic bill acceptor 200 and / or financial automation device 500 to pay the payment amount printed in the bill through the procedure as shown in Figure 4 and / or Figure 6, the bill automatic bill acceptor 200 And / or the financial automation device 500 provides the payer with a predetermined receipt corresponding to the billing of bills.

Thereafter, the storage point is a time (for example, storage day 22:00, storage date 22:00, the storage bill (eg, the bill image) and the giro calendar paid through the utility bill acceptor 200 and / or the financial automation device 500) 19:00) to the payment center where the storage point is located, and the payment base unit provides the storage information to the financial settlement center until the prescribed time (for example, storage date + 20:00 a day).

In addition, the storage point provides the storage information to the head office (or headquarters computer system) of the storage bank through the financial system 100 (for example, the Giro system provided in the financial system 100) provided in the storage bank. In addition, the storage bank provides the storage information to the KFTC until a prescribed time (for example, storage date + 2 days 20:00).

The KFTC, having received the storage information, provides the collection information corresponding to the collected storage information to the billing institution until the prescribed time (for example, storage date + 2 days 08:00).

If there is no objection to the collection information from the claimant, the KFTC shall open a payment account (eg, a financial account for depositing the collection amount of the claimant) by the prescribed time (for example, receipt date + 3 days). Bank) to provide the payment data corresponding to the collection information, and to request a difference payment between the receiving bank and the paying bank for the payment data through the Bank of Korea, whereby the receiving bank and the paying bank By performing the difference payment on the money settlement data within a time (eg, a storage date + 3 days), the land / bill processing through the utility bill acceptor 200 and / or the financial automation device 500 is completed.

On the other hand, if the objection to the collection information is raised from the claimant, the claimant provides the financial settlement agency with a predetermined error history by a prescribed time (for example, date of receipt + 3 days 08:00), and the finance The KFTC provides the error history to the storage bank by the prescribed time (e.g., storage day + 3 days 10:00), and the storage bank provides the error history within the prescribed time (e.g., storage day + 3 days). Provide to the storage point. Thereafter, the storage point generates correction details corresponding to the error details through the bill image stored in the utility bill acceptor 200 and / or the physical bill, and stores the correction points up to a prescribed blind spot (eg, storage date + 3 days). The bank provides the correction details to the financial settlement clerk until the prescribed time (for example, storage date + 2 days 20:00). Thereafter, the KFTC provides the correction to the billing institution up to the prescribed time (for example, 08:00 on the day of receipt + 4 days). If there is no objection to the correction, the KFTC provides the payment bank with the payment data corresponding to the collection information, and the difference between the receiving bank and the payment bank for the payment data through the Bank of Korea. By requesting a payment and processing the difference payment by the receiving bank and the paying bank, the branch / bill processing through the utility bill acceptor 200 and / or the financial automation device 500 is completed.

8A, 8B, and 8C are diagrams illustrating a method of collecting branch / bill payment details information according to an exemplary embodiment of the present invention.

In more detail, FIGS. 8A, 8B, and 8C are at least one corresponding to at least one branch / bill payment processing in a predetermined DB server 160 in the branch / bill payment history information collecting system as shown in FIG. Collecting the above-described storage history information and payment means information (and / or financial means information), and process the collected storage history information and payment means information in association with the predetermined storage history D / B (165), or An embodiment of the present invention relates to a method of linking collected storage history information and financial instrument information and storing the collected storage history information in a predetermined storage history D / B 165. Specifically, FIG. 8A illustrates at least one branch from a predetermined branch / utility bill storage device. A method of receiving and linking at least one storage item information and payment means information corresponding to a utility bill storing process and storing the received payment information in the storage item D / B 165. FIG. 8B illustrates that when the banking system based on the Internet banking-based land / utility bill occurs in the financial system 100, the storage history information and the financial means information are extracted and linked from the financial system 100. A method of storing the data in the D / B 165, and FIG. 8C shows information regarding predetermined storage information from the financial system 100 when a counter terminal-based land / utility bill-related work occurs in the financial system 100. FIG. And the method of extracting and linking the financial instrument information and storing it in the storage history D / B 165.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 8a, 8b, and 8c to provide a predetermined utility bill acceptor 200 and / or a financial automation device 500 and / or Or collects predetermined storage history information and payment means information (and / or financial means information) from the financial system 100, and processes the collected storage history information and payment means information (and / or financial means information) in association. Various implementation methods for storing in the predetermined storage history D / B 165 may be inferred, but the present invention is not limited to the implementation method inferred. In FIG. 8A, the utility bill receiving device including the utility bill acceptor 200 and / or the financial automation device 500 is referred to as a "storage terminal" for convenience.

Referring to FIG. 8A for receiving at least one or more storage details information and payment means information corresponding to at least one branch / bill payment storage process from a predetermined storage terminal, the predetermined storage terminal is a branch / bill processing shown in FIG. In connection with the system, through the predetermined payment means, the branch / bill payment processing corresponding to at least one or more forms as shown in FIGS. 4 and / or 6 is performed 800a.

If the process of storing the bill / bill for the bill is completed (805a), the billing terminal is set to the bill / bill as shown in the drawings 4 and / or 6 through the predetermined network 170 and / or the communication means 170. A predetermined payment amount used to process a predetermined settlement amount calculated by summing at least one or more accommodation details (e.g., billing number, payer number, payment amount, etc.) generated during the storage processing; The payment means information is transmitted to the DB server 160 (810a), and the DB server 160 processes the received payment information and payment means information received from the storage terminal in a predetermined storage history D / B ( 165 (a).

Referring to FIG. 8B for extracting predetermined contents and financial means information corresponding to the CMS deposit from the banking system based on the Internet banking / billing utility from the financial system 100, the DB server 160 provides a predetermined interfacing means. In operation (b), in operation 800b, in connection with the financial system 100, the Internet banking-based Jiro / utility related payments are made through the Internet banking. .

If it is confirmed in the financial system 100 that an Internet banking-based land / utility bill-related work in which a predetermined payment amount is deposited to a predetermined billing institution CMS account is performed (805b), the DB server 160 is the interfacing means. Through the 135, the predetermined CMS history information (for example, the CMS account number of the billing institution, the CMS number of the depositing customer, the CMS deposit amount, etc.) is extracted from the financial system 100 (810b), and the financial system ( In step 815b, the CMS withdrawal account information of the CMS depositing customer is extracted.

According to the method of the present invention, the CMS account number of the billing institution of the CMS history information corresponds to the billing institution number of the storage history information, and the CMS number of the customer who deposits the CMS history information corresponds to the payer number of the storage history information. Correspondingly, it is preferable that the CMS deposit amount corresponds to the payment amount of the storage history information. In addition, the CMS withdrawal account information of the CMS deposit customer preferably corresponds to financial means information for processing the total payment amount calculated by adding up the payment amount of the storage history.

As described above, when the storage history information (CMS history information) and the financial means information corresponding to the business / bill-related tasks from the financial system 100 is extracted, the DB server 160 is extracted storage history information (CMS history information) And the financial instrument information are stored in the predetermined storage history D / B 165 by cooperative processing (820b).

Referring to FIG. 8C which extracts predetermined receipt information and financial means information corresponding to the CMS deposit among the counter terminal-based Jiro / utility bill-related work from the financial system 100, the DB server 160 provides a predetermined interfacing means. In operation 800c, it is periodically linked with the financial system 100 to determine whether a counter terminal-based landlord / utility related operation is deposited through a counter terminal to a predetermined billing institution CMS account. .

If it is confirmed in the financial system 100 that the counter terminal-based ground / utility bill-related work in which a predetermined payment amount is deposited to a predetermined billing institution CMS account is performed (805c), the DB server 160 is the interfacing means. Through the 135, the predetermined CMS history information (for example, the CMS account number of the billing institution, the CMS number of the depositing customer, the CMS deposit amount, etc.) is extracted from the financial system 100 (810c), and the financial system ( In step 815c, customer information of the CMS depositing customer is extracted.

According to the implementation method of the present invention, the CMS history information corresponds to the information written in the CMS payment slip prepared by the customer, and the billing agency CMS account number of the CMS history information corresponds to the billing agency number of the storage history information. Preferably, the CMS number of the customer depositing the CMS history information corresponds to the payer number of the storage history information, and the CMS deposit amount corresponds to the payment amount of the storage history information. In addition, the customer information for the CMS deposit customer preferably comprises personal information such as customer name, social security number and contact information written in the CMS deposit slip created by the customer.

As described above, when the storage history information (CMS history information) and the customer information corresponding to the business and billing related tasks are extracted from the financial system 100, the DB server 160 is based on the customer information on the CMS deposit customer. Extracting predetermined financial means information corresponding to the customer information from the financial system 100 (eg, the DBMS 125 and the information system 115 for storing and managing the customer information and the financial means information in association with each other); 820c), the extracted storing history information (CMS history information) and the financial means information are processed in association and stored in a predetermined storing history D / B 165 (825c).

9 is a diagram illustrating an EBPP service request system according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a predetermined customer terminal 945 based on the storage history information and the payment means information (and / or financial means information) collected through the giro / utility billing information collection system shown in FIG. A method for implementing an EBPP service application system for providing an EBPP service application related information to a customer requesting an EBPP service application through), and a person having ordinary knowledge in the technical field to which the present invention belongs 9 and / or modify the present invention to the customer who requests the EBPP service application through the predetermined customer terminal 945 based on the receipt information and the payment means information (and / or financial means information). Although various implementation methods for providing corresponding EBPP service application related information may be inferred, the present invention is not limited by the inferred implementation method. The.

Referring to FIG. 9, the EBPP service request system includes at least one storage history D / B 165 for storing and storing at least one storage history information and payment method information (and / or financial instrument information) in association with each other. Customer information D / B for linking and storing payment method information (and / or financial instrument information) and customer information (or payer information), and / or storing at least one billing institution number and billing institution information in association. DBMS 950 having a billing institution D / B, and at least one or more storage history information and payment means information corresponding to the customer from the storage history D / B 165 at the request of the customer terminal 945. Extracts (and / or financial instrument information), checks customer information (or payer information) and billing institution information corresponding to the extracted storage history information in association with the DBMS 950, and the customer terminal 945; And At least one or more of the identified billing agency information and customer information (or payer information) and / or payment instrument information (and / or financial instrument information) and / or wireless terminal information (and / or mail) for providing EBPP services. Address information) and an EBPP registration server 900 for storing the information in a predetermined storage medium 935.

According to an embodiment of the present invention, the EBPP service request system includes at least one high-speed Internet including at least one Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or a cable communication network 940. And / or a wired terminal including a desktop computer and / or a laptop connected via a wired communication network 940 including at least one fixed IP-based Internet, or the like, and a code division multiple access (CDMA) based mobile communication network 940. And / or a customer including at least one wireless terminal that is communicatively connected through a wireless communication network 940 including at least one or more IEEE 802.16 based high speed wireless Internet and / or a DataTAC / Mobitex based wireless data communication network 940. It is preferable to include a terminal 945, the customer terminal 945 according to the implementation method through the predetermined communication network 940, such as EBPP Receive via the server 900, requests, and / or a predetermined communication network 940, the EBPP service application by accessing the requested EBPP service application from the EBPP registration server 900, it is preferable to determine whether to approve it.

The receipt history D / B 165 is at least one or more from the at least one bill receiving device and / or financial system 100 through the DB server 160 of the branch / utility billing information collection system shown in Figure 1 Collecting and storing the storage history information and payment means information (and / or financial means information) corresponding to the Jiro / utility bill storage processing.

The DBMS 950 may include at least one customer information D / B, and / or at least one billing institution number for linking and storing at least one payment method information (and / or financial instrument information) and customer information (or payer information). And billing agency D / B for linking and storing billing agency information.

According to an embodiment of the present invention, the customer information D / B included in the DBMS 950 is preferably interoperable with an information system 115 that stores and manages customer information in the financial system 100. The billing agency D / B is linked to the information system 115 provided in the financial system 100, and / or to the billing / billing database associated with the KFTC, and / or to each billing institution. It is desirable to interwork with the provided Jiro / utility database.

Referring to FIG. 9, the EBPP registration server 900 connects a communication channel with the customer terminal 945 through a predetermined communication network 940 and requests for an EBPP service from the customer terminal 945 through the communication channel. Is requested, the interface unit 905 for outputting a predetermined EBPP application interface screen to the client terminal 945 when the EBPP service request is requested, and the EBPP from the client terminal through the interface unit 905. When a service request is requested, an information checking unit 910 for confirming customer information (or payer information) and payment method information (and / or financial means information) corresponding to the EBPP service request customer from the customer information D / B. And when the customer information (or payer information) and payment method information (and / or financial means information) are confirmed, the confirmed customer information (or payer) from the customer information D / B. Information) and payment means information (and / or financial means information), and at least one storage item associated with the confirmed payment means information (and / or financial means information) from the storage history D / B 165. And extracting information from the claimant D / B, and extracting the claimant information corresponding to the claimant number included in the storage history information. 905 generates an EPBB target list including the extracted at least one billing institution information and / or payer information and a predetermined EBPP application interface screen including the payment means information (and / or financial means information); Characterized in that provided to the customer terminal.

The interface unit 905 connects a predetermined communication channel with at least one or more customer terminals 945 corresponding to a predetermined wired terminal through a predetermined wired communication network 940, and / or a predetermined wireless communication network 940. At least one customer terminal 945 corresponding to the predetermined wireless terminal through a) characterized in that connecting the predetermined communication channel. For example, if the customer terminal 945 is a wired terminal equipped with a predetermined web browser, the interface unit 905 may use a Hyper-Text Transfer Protocol (HTTP) based on Transmission Control Protocol / Internet Protocol (TCP / IP). A communication channel may be connected to the customer terminal 945 through a protocol, and if the customer terminal 945 is a wireless terminal equipped with a predetermined swap browser (eg, a mobile communication terminal connected to the mobile communication network 940), the WAP A communication channel may be connected to the customer terminal 945 through a wireless application protocol.

In addition, the interface unit 905 checks whether an EBPP service request is requested from the client terminal 945 through the communication channel, and the EBPP service request is transmitted from the customer terminal to the interface unit 905. The method may further include providing predetermined login information (and / or member information), whereby the information checking unit 910 may perform the customer information D based on the login information (and / or member information). From / B, the customer information (or payer information) and payment method information (and / or financial instrument information) corresponding to the EBPP service request customer can be checked.

The information extracting unit 915 extracts at least one billing institution information and / or payer information corresponding to at least one or more pieces of storage information stored in the storage history D / B 165, and the customer information D / B. And / or predetermined payment means information (and / or financial means information) is extracted from the storage history D / B 165, and / or predetermined wireless terminal information (and / or included in the extracted customer information). Or e-mail address information), the interface unit 905 includes an EBPP target list including the at least one billing institution information and / or the payer information, the payment means information (and / or financial means information) and And / or provide a predetermined EBPP application interface screen including radio terminal information (and / or mail address information) to the customer terminal 945, whereby the customer terminal 945 provides the predetermined E Select at least one EBPP application target from the EBPP target list through the BPP application interface screen, change the payment method information (and / or financial instrument information) and / or wireless terminal information (and / or mail address information); / Or can be entered.

According to one embodiment of the invention, the interface unit 905 is the payment means information (and / or financial means information) and / or extracted on the EBPP application interface screen provided to the customer terminal 945 as described above and / Or wireless terminal information (and / or mail address information), and modifying the payment means information (and / or financial means information) and / or wireless terminal information (and / or mail address information) in the customer terminal. Or a user interface capable of selecting and / or inputting, in which case the customer wants to receive the EBPP service through the user interface, and / or predetermined payment means information (and / or financial instrument information). Change and / or select and / or enter wireless terminal information (and / or mail address information).

According to an exemplary embodiment of the present invention, the interface unit 905 provides the extracted payment means information (and / or financial means information) and / or wireless on the EBPP application interface screen provided to the customer terminal 945. Inputting predetermined payment means information (and / or financial means information) and / or wireless terminal information (and / or e-mail address information) in the customer terminal without including terminal information (and / or mail address information); Or provide only a user interface that can be selected, in which case the customer wishes to receive EBPP services via the interface, and the payment information (and / or financial information) and / or wireless terminal information (and / or mail) Address information).

In addition, referring to FIG. 9, the EBPP registration server 900 may change at least one or more EBPP application target selection information selected from the client terminal 945 through the EBPP application interface screen, and the EBPP application interface screen. And / or an information receiver 920 for receiving input payment means information (and / or financial instrument information) and / or wireless terminal information (and / or mail address information), and the EBPP received through the information receiver 920. At least one billing institution information and payer information corresponding to the application target selection information are stored in a predetermined manner in association with the payment means information (and / or financial means information) and / or wireless terminal information (and / or e-mail address information). And an information storage unit 925 for storing in the medium 935.

According to an exemplary embodiment of the present invention, when the customer terminal 945 requests a wired EBPP service, the information storage unit 925 transmits at least one billing institution information and payer information to the payment means information (and / or). Financial instrument information) and / or mail address information in a predetermined storage medium 935, and may be stored in a predetermined storage medium 935, and may further include the wireless terminal information of the customer according to the intention of those skilled in the art.

According to another exemplary embodiment of the present invention, when the customer terminal 945 applies for a wireless EBPP service, the information storage unit 925 transmits at least one billing institution information and payer information to the payment means information (and / or the like). Or financial instrument information) and / or wireless terminal information, and store the data in a predetermined storage medium 935, and may further include the mail address information of the customer according to the intention of a person skilled in the art.

Referring to FIG. 9 according to an embodiment of the present invention, the EBPP registration server 900 is connected to the client terminal 945 to request the EBPP to secure confidentiality, authentication, integrity and non-repudiation of the EBPP requesting customer. It is preferable to further comprise a customer authentication unit 930 for performing a customer authentication procedure.

According to another embodiment of the present invention, when the EBPP application customer authentication procedure is processed and completed in the customer terminal 945, the customer authentication unit 930 may be omitted. In addition, when the EBPP application customer authentication procedure is processed in a separate authentication server other than the EBPP registration server 900, the customer authentication unit 930 may be provided in the authentication server, thereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the customer authentication unit 930 generates a predetermined authentication number, and the predetermined wireless terminal information (or mobile phone number of the EBPP application customer extracted from the customer information D / B) After transmitting the generated authentication number to the wireless terminal of the EBPP requesting customer, waiting for the authentication number to be received from the customer terminal 945 (eg, a wired terminal or a wireless terminal), and if the customer terminal 945 When a predetermined authentication number is received, it is desirable to secure confidentiality, authentication, integrity, and nonrepudiation for the EBPP requesting customer by comparing the authentication number sent to the wireless terminal with the received authentication number.

According to another exemplary embodiment of the present invention, when the wireless terminal is provided with a predetermined one-time-password (OTP) generation function, the customer authentication unit 930 is provided with the one-time password provided in the wireless terminal. It is desirable to ensure confidentiality, authentication, integrity, and non-repudiation of the EBPP requesting customer in accordance with at least one OTP authentication procedure, either time-synchoronous or challenge-response, using the generation function. Do.

According to another exemplary embodiment of the present invention, the customer authentication unit 930 receives predetermined biometric information from the customer terminal 945, and interoperates with predetermined biometric information D / B (not shown). By authenticating the biometric information, it is possible to secure confidentiality, authentication, integrity and non-repudiation of the EBPP applicant customer, in addition to the various EBPP application customer authentication procedures according to the intention of those skilled in the art can be performed, whereby Not determined

10 is a diagram illustrating an EBPP service application method according to an embodiment of the present invention.

In more detail, in FIG. 10, in the EBPP service request system as shown in FIG. 9, when a predetermined client terminal accesses the EBPP registration server 900 through a predetermined communication network 940 and applies for the EBPP service, the EBPP service is applied. 11 and / or 12a and 12 to the customer terminal 945 based on the storage information and payment means information (and / or financial means information) stored in the storage history D / B 165 in the registration server 900. 12B and FIG. 12C, which provides an EBPP application interface screen to provide an EBPP service application method for automatically processing the EBPP service application, and has a general knowledge in the technical field to which the present invention pertains. Various implementation methods for automatically processing the EBPP service request by providing a predetermined EBPP application interface screen to the customer terminal by referring to and / or modifying the drawing 10. Would be able to derive, to which the present invention is not limited to an embodiment in which the inference. For example, before performing the process of FIG. 10, the EBPP registration server 900 requests the EBPP service request from the customer terminal 945 based on the information stored in the storage history D / B 165, and the customer The process of approving the EBPP service request at the terminal 945 may be preceded.

Referring to FIG. 10, the client terminal 945 accesses the EBPP registration server 900 through a predetermined wired communication network 940 and / or a wireless communication network 940 to perform a member registration and / or login procedure. Thereafter, the EBPP server requests an EBPP service request (1000).

Thereafter, the EBPP registration server 900 includes an individual including predetermined member information (eg, name, resident registration number, address, contact information, etc.) of the EBPP requesting customer from the registration information and / or login information. Information), and checks and extracts customer information (or payer information) and payment method information (and / or financial means information) matching the member information from the customer information D / B (1010).

In addition, the EBPP registration server 900 and the payment means information (and / or financial means information) from the storage history D / B 165 based on the extracted payment means information (and / or financial means information) In operation 1015, at least one piece of stored information is matched and stored.

If the stored history information that is matched with the payment means information (and / or financial instrument information) is not extracted from the storage history D / B 165 (1020), the EBPP server may request the customer according to a conventional EBPP application procedure. Predetermined EBPP registration information (e.g., book information for a book to EBPP destination, payment method information for EBPP (and / or financial means information), and wireless terminal information for EBPP (and / or e-mail address information) to the terminal 945 Etc.), and receives the EBPP registration information from the customer terminal 945 one by one and stores it in a predetermined storage medium 935 (1030).

On the other hand, if at least one or more pieces of stored information stored in match with the payment means information (and / or financial means information) are extracted from the stored details D / B 165 (1020), the EBPP registration server 900 extracts the extracted information. The billing agency number of which the billing agency number is duplicated is deleted from at least one stored billing information (1035), and billing agency information corresponding to the billing agency number of the billing history information is extracted from the billing institution D / B (1040). .

Thereafter, the EBPP registration server 900 pays the EBPP target list including the extracted at least one billing agency information and / or payer information to the customer terminal 945, and the bill / bill charged by the billing institution. EBPP application interface including predetermined payment instrument information (and / or financial instrument information) for processing and / or wireless terminal information (and / or mail address information) for predetermined EBPP extracted from the customer information (or payer information) Provide a screen (1045).

If the customer terminal 945 is a wired terminal according to an embodiment of the present invention, the EBPP application interface screen is illustrated in FIG. 11, and the customer terminal 945 according to another embodiment of the present invention. In the case of the wireless terminal, the EBPP application interface screen is as illustrated in FIGS. 12A, 12B, and 12C.

Thereafter, the client terminal 945 selects at least one EBPP application target from the EBPP target list through the EBPP application interface screen shown in FIGS. 11 and / or 12a, 12b, and 12c, and applies for the EBPP application. Change the payment instrument information (and / or financial instrument information) for the EBPP, which is included as a default value on the interface screen, enter as other payment instrument information (and / or financial instrument information), and / or the EBPP application interface The EBPP radio terminal information (and / or mail address information) included in the screen as a default value is changed or input as other radio terminal information (and / or mail address information) (1050).

When the selection of EBPP application targets and change and / or input of EBPP payment method information (and / or financial instrument information) and EBPP wireless terminal information (and / or mail address information) are completed through the EBPP application interface screen, The client terminal 945 sends the EBPP application target selection information, EBPP payment means information (and / or financial instrument information), and EBPP wireless terminal information (and / or e-mail address information) to the EBPP registration server 900. 1055, the EBPP registration server 900 transmits at least one billing agency information and payer information corresponding to the EBPP application target selection information received from the client terminal 945 (and / or the payment means information for EBPP). Or it is stored in a predetermined storage medium 935 by processing in association with the financial instrument information) and the wireless terminal information (and / or email address information) for the EBPP (1060).

11 illustrates an EBPP application interface screen according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates an EBPP application interface screen provided to the wired terminal through the HTPP protocol based on TCP / IP when the customer terminal 945 is a wired terminal equipped with a predetermined web browser. However, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to implement various EBPP application interface screens, but other EBPP applications implemented by the above reference and / or modification. The present invention is not limited by the interface screen.

Referring to FIG. 11, the EBPP application interface screen includes at least one billing institution information, payment type corresponding to each branch bill when the billing institution issues a plurality of branches, and payer information corresponding to the billing institution. And an EBPP target list including a user interface (e.g., a check box control) for selecting at least one EBPP target list from the EBPP target list.

According to the implementation method of the present invention, the journal book issued by a predetermined claim agency includes the journal book belonging to the payer and the journal book belonging to the payer's address. For example, the Jiro slip corresponding to a telephone charge, an internet charge, and a communication fee is a giro slip belonging to the payer himself, and the obligation to pay the jiro slip is maintained even if the payer changes his address. On the other hand, Jiro responsive to electricity bills, city gas charges, and apartment management fees belong to the remitter's address, and if the payer relocates, he / she loses the obligation to pay the receivable.

Referring to FIG. 11 according to a preferred embodiment of the present invention, the EBPP application interface screen should be maintained when the payer moves address by classifying the EBBP object belonging to the payer himself and the EBPP object belonging to the payer address. It is easy to identify the EBPP target and the EBPP target to be newly registered and / or changed.

In addition, referring to FIG. 11 according to a preferred embodiment of the present invention, the EBPP application interface screen may include the payment means information (and / or financial means information) (e.g., the "payment method" item in FIG. 11) of the EBPP. Although it is illustrated to be set individually in response to the EBPP target of the, the payment means information (and / or financial means information) for the EBPP according to the intention of the person skilled in the art through one payment means information (and / or financial means information) It may be configured to be processed.

In addition, referring to FIG. 11 in accordance with a preferred embodiment of the present invention, the EBPP application interface screen may include customer information (eg, payment means information (and / or payment information) extracted from customer information D / B at the EBPP registration server 900. Wireless terminal information (and / or e-mail address information) included in the customer information associated with the financial instrument information) is included as a default value, which is sent to the customer corresponding to the payment instrument information (and / or financial instrument information). This is because it is efficient to provide an EBPP service, and can be changed and / or entered according to the intention of the EBPP applicant.

12A, 12B, and 12C illustrate an EBPP application interface screen according to another embodiment of the present invention.

12A, 12B, and 12C are examples of an EBPP application interface screen provided to the wireless terminal through a WAP protocol when the client terminal 945 is a wireless terminal equipped with a predetermined swap browser. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 12a, 12b, and 12c to implement various EBPP application interface screens. The present invention is not limited to other EBPP application interface screens implemented.

Referring to FIG. 12A, the EBPP application interface screen includes at least one billing institution information, payment types corresponding to each branch bill when the billing institution issues a plurality of branches, and payer information corresponding to the billing institution. And an EBPP target list including a user interface (e.g., a check box control) for selecting at least one EBPP target list from the EBPP target list.

According to the implementation method of the present invention, a journal book issued by a predetermined claim agency includes a journal book belonging to the payer himself and a journal belonging to the payer address. For example, the Jiro slip corresponding to a telephone charge, an internet charge, and a communication fee is a giro slip belonging to the payer himself, and the obligation to pay the jiro slip is maintained even if the payer changes his address. On the other hand, Jiro responsive to electricity bills, city gas charges, and apartment management fees belong to the remitter's address, and if the payer relocates, he / she loses the obligation to pay the receivable.

Referring to FIG. 12A according to a preferred embodiment of the present invention, the EBPP application interface screen should be maintained when the payer transfers the address by classifying the EBBP object belonging to the payer and the EBPP object belonging to the payer address. It is easy to identify the EBPP target and the EBPP target to be newly registered and / or changed.

Referring to FIG. 12b according to a preferred embodiment of the present invention, the EBPP application interface screen may include the payment means information (and / or financial means information) for the EBPP (for example, the "Grodo / utility payment method" item of FIG. Each EBPP object may be set individually or may be integratedly set through predetermined EBPP payment means information (and / or financial means information).

Referring to FIG. 12C according to a preferred embodiment of the present invention, the EBPP application interface screen may include customer information (eg, payment means information (and / or financial means) extracted from customer information D / B at the EBPP registration server 900. Wireless terminal information (and / or e-mail address information) included in the customer information associated with the information) is included as a default value, which is an EBPP service to a customer corresponding to the payment means information (and / or financial means information). This is because it is efficient to provide, and can be changed and / or input according to the intention of the EBPP applicant customer.

FIG. 13 is a diagram illustrating a system for collecting giro / utility billing information according to another exemplary embodiment of the present invention.

More specifically, FIG. 13 shows predetermined storage history information corresponding to at least one branch / bill payment storing process from a predetermined utility bill acceptor 200 and / or a financial automation device 500 at a predetermined DB server 1300. A financial system that receives payment means information and extracts predetermined customer information associated with the payment means information from the financial system 100, and / or performs the branch / utility related work in a predetermined DB server 1300. After the predetermined storage history information and the predetermined customer information is extracted from the 100, the giro / utility storage history information collection system for storing the storage history information and the customer information in a predetermined storage history D / B (1330) As one of ordinary skill in the art to which the present invention pertains, one of ordinary skill in the art will be referred to and / or modified with reference to FIG. Receives (or extracts) predetermined storage history information and customer information from the receiver 200 and / or the financial automation device 500 and / or the financial system 100, and processes the storage history information and the customer information in association with each other. Although various implementation methods of storing in the storage history D / B 1330 may be inferred, the present invention is not limited by the inference method.

Referring to FIG. 13, the jiro / utility billing information collection system includes a cash institution, a debit card, a bank account, a credit card, a check card, and an electronic money, using a predetermined financial institution (eg, a commercial bank branch) as a storage institution. A utility bill acceptor 200 for storing and processing bills printed on a jiro bill through a payment means including at least one or the like, or a financial automation provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place. A branch / utility receiving device including at least one device 500, the branch / utility storing device and a network 170 and / or communication means 170, which are connected to the Receive predetermined storage history information and payment means information corresponding to at least one branch / bill payment processing and receive the settlement number from the predetermined financial system 100. It includes a DB server 1300 to extract the customer information associated with the information, and store the information stored in the predetermined storage history D / B (1330) by linking the storage history information and customer information.

Among the components of the giro / utility billing information collection system, a detailed description of the utility bill acceptor 200 and a giro / utility bill storage method has been described in detail in Figures 2, 3 and 4, the financial automation device 500 ) And the method of storing the Jiro / utility bill has been described in detail in Figures 5 and 6, the detailed description thereof will be omitted. In addition, since the branch / utility bill processing system interlocked with the branch / utility bill is also described in detail in Figure 7, a detailed description thereof will be omitted.

Referring to FIG. 13, the DB server 1300 includes at least one billing institution number, a payer number, a payment amount, and the like corresponding to at least one branch / bill payment processing from the branch / bill storage device. And an information receiving unit 1320 that receives payment means information that has performed payment processing for a payment amount calculated by summing at least one payment amount, and linked with the payment means information in cooperation with the financial system 100. An information confirming unit 1305 for confirming the confirmed customer information, an information extracting unit 1310 for extracting the customer information confirmed by the information confirming unit 1305 from the financial system 100, and at least one storing history information And an information storage unit 1325 stored in a predetermined storage history D / B 1330 for cooperatively processing the customer information.

The information receiving unit 1320 is connected to the channel / bill acceptor and the communication channel through a predetermined network 170 and / or communication means 170, the at least one branch in the bill / bill acceptor After the processing of the storage of bills and bills is completed, the sum of billing information and the at least one payment amount corresponding to the bills of bills and bills is calculated from the bills of bills and bills through the communication channel. And receiving predetermined payment means information used to process the payment amount.

According to an embodiment of the present invention, when the giro / utility bill acceptor corresponds to the utility bill acceptor 200, the storage information is the utility bill acceptor 200 by recognizing and reading at least one branch of the bill of the bill Claimant number obtained from the contents printed on the Giro slip (eg, the Giro number and / or collection agency number printed on the Giro slip and / or the publication number, etc.) and payer number (eg, the payer number printed on the Giro slip. And / or a customer reference number, etc.) and at least one payment amount (e.g., in-delivery amount or post-delivery amount, etc.) printed on a Giro form.

According to another exemplary embodiment of the present invention, when the branch / utility bill storage device corresponds to the financial automation device 500, the storage history information may include a billing institution number (eg, received from the payer by the financial automation device 500). Giro numbers and / or collection agency numbers and / or journal issuance numbers, etc. printed on the Giro slips, payer numbers (e.g., electronic payment numbers, etc. printed on the Giro slips), and payment amounts (e.g., financial automation devices 500 ), At least one or more of the amount paid from the KFTC / billing agency based on the Giro number and the electronic payment number.

According to an embodiment of the present invention, the payment means information includes at least one payment card, debit card, bank account, credit card, check card, electronic money, etc. through the card reader provided in the giro / utility storage device It is preferable to include at least one or more of the cash card number, debit card number, account number, credit card number, check card number, electronic money information and the like obtained from the means.

The information checking unit 1305 is based on the payment means information received through the information receiving unit 1320, the information system 115 and / or DBMS provided in the financial system 100 via the interfacing means 135 In conjunction with 125, it is characterized in that whether the customer information corresponding to the payment means information is stored in the financial system 100.

According to another exemplary embodiment of the present invention, the customer information may be provided in a predetermined database which is interlocked with the DB server 1300 without being provided in the financial system 100, in which case the information checking unit 1305 is provided. It is possible to confirm the customer information associated with the payment means information from the database.

If it is confirmed that valid customer information is stored in the financial system 100, the information extracting unit 1310 may include an information system provided in the financial system 100 through the interfacing means 135. 115) and / or extract the confirmed valid customer information from the financial system 100 in conjunction with the DBMS 125.

According to another exemplary embodiment of the present invention, the customer information is not provided in the financial system 100, but may be provided with a predetermined database interworking with the DB server 1300, in which case the information extraction unit 1310. It is possible to extract customer information associated with the payment means information from the database.

The information storage unit 1325 associates the storage history information received from the predetermined branch / utility bill storage device through the information receiving unit 1320 and the customer information extracted from the financial system 100 to store the predetermined storage history D. / B 1330, and the information stored in the storage history D / B (1330) is a source for easily building a database corresponding to the EBPP registration request from a predetermined customer in a predetermined EBPP registration server Used as raw data.

According to another embodiment of the present invention, the information storage unit 1325, in the storage history information D / B (1330) by storing the storage history information and the customer information in association, the predetermined billing agency D / B ( It is also possible to extract and replace the billing agency information corresponding to the billing agency number included in the storage history information from the figure shown in Figure 13), in this case, the billing agency number of the storage history information in the EBPP service request system The process of extracting billing agency information corresponding to may be omitted, whereby the present invention is not limited.

In addition, referring to FIG. 13, the branch / utility billing information collection system is provided in a predetermined financial institution (eg, a computer system of a commercial bank), and is linked with at least one window terminal and / or an internet banking system. A financial system 100 that performs financial affairs corresponding to a branch / utility storing process, and is connected to the financial system 100 through a predetermined interfacing means 135, and at least one branch from the financial system 100 And a DB server 1300 which receives predetermined storage history information and customer information corresponding to the utility bill storing process, and processes the storage history information and the customer information in association and stores the predetermined storage history information in the predetermined storage history D / B 1330. It is done by A detailed description of the financial system 100 will be described with reference to FIG. 1, which will be omitted for convenience of description.

Referring to FIG. 13, the DB server 1300 may be linked with the financial system 100 to replace the branch / utility storing task and / or the financial service related to the branch / utility storing (eg, CMS collection). Financial transaction confirming unit 1315 and a check result, if a predetermined branch / utility storing related task occurs in the financial system 100, the financial system 100 The information extraction unit 1310 extracts the storage information and the customer information, and the storage history information and the customer information extracted through the information extraction unit 1310 and stored in a predetermined storage history D / B (1330) An information storage unit 1325 is included.

The financial transaction confirming unit 1315 is linked to the account system 110 and / or the external system 105 provided in the financial system 100 through a predetermined interfacing means 135 in the financial system 100. Periodically check whether the work related to storage of giro / utility bills occurs.

When the financial transaction confirming unit 1315 confirms that the financial system 100 has a business related to storing the bills / bills, the information extracting unit 1310 may perform the financial system 100 through the interfacing means 135. A predetermined amount corresponding to the financial statement information used to pay the total billing amount calculated by summing storage details information corresponding to the branch / utility billing processing and at least one payment amount corresponding to the billing history. Characterized in that the customer information is extracted.

The information storage unit 1325 processes the storage history information extracted from the financial system 100 and the customer information through the information extraction unit 1310 to store in the predetermined storage history D / B 1330. The information stored in the storage D / B 1330 is used as raw data for easily constructing a database corresponding to an EBPP registration request from a predetermined customer in a predetermined EBPP registration server.

According to the embodiment of the present invention, the DB server 1300 may be provided in the financial system 100 or may be provided outside the financial system 100, and thus the present invention is not limited thereto. For example, when the DB server 1300 is provided in the financial system 100, the interfacing means 135 may be included in an interface module 120 interworking components in the financial system 100. When the DB server 1300 is provided in the financial system 100, the interfacing means 135 may include a predetermined network connected to the external system 105 of the financial system 100. In addition, when the DB server 1300 is provided in the financial system 100, connecting the financial system 100 and the DB server 1300 to protect the financial system 100 according to the intention of the person skilled in the art. The interfacing means 135 may further include a predetermined security server (not shown), whereby the present invention is not limited.

According to the implementation method of the present invention, the financial means is a giro / utility payment means linked to a financial account operated through the financial system 100, the financial account number corresponding to the financial account, the financial account associated with It is preferable to include a cash card and / or a debit card.

According to another embodiment of the present invention, the information storage unit 1325, in the storage history information D / B (1330) by storing the storage history information and the customer information in association, the predetermined billing agency D / B ( It is also possible to extract and replace the billing agency information corresponding to the billing agency number included in the storage history information from the figure shown in Figure 13), in this case, the billing agency number of the storage history information in the EBPP service request system The process of extracting billing agency information corresponding to may be omitted, whereby the present invention is not limited.

14A, 14B, and 14C are diagrams illustrating a method of collecting branch / bill payment details according to another exemplary embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C are at least one corresponding to at least one branch / bill payment processing in a predetermined DB server 1300 in the branch / bill payment history information collecting system as shown in FIG. Collecting the above-described storage history information and payment means information (and / or financial means information), extracting predetermined customer information corresponding to the payment means information (and / or financial means information) from the financial system 100, The collected storage history information and the customer information are cooperatively processed and stored in a predetermined storage history D / B 1330, or the collected storage history information and the customer information are cooperatively processed and the predetermined storage history D / B 1330 is processed. As shown in FIG. 14A, a product corresponding to at least one branch / utility bill storing process from a predetermined branch / bill storage device is illustrated. Receive at least one piece of receipt information and payment means information (and / or financial means information), and extract predetermined customer information associated with the payment means information (and / or financial means information) from the financial system 100. And an implementation method of linking the storage history information and the customer information and storing the received information in the storage history D / B 1330. FIG. If there is, the financial system 100 extracts and stores predetermined storage information and customer information in the storage history D / B 1330, and FIG. 14C illustrates the financial system 100. In the case of a counter terminal-based land / utility bill-related work, the storage history D is extracted and linked to the predetermined storage history information and customer information from the financial system 100. / B (1330) in the implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 14a, 14b and 14c to provide a predetermined utility bill acceptor 200 and / or a financial automation device 500 and / or Alternatively, inferring various implementation methods for collecting predetermined storage information and customer information from the financial system 100, and storing the stored storage information and customer information in a predetermined storage history D / B 1330. Although it may be possible, the present invention is not limited by the above-described inferred method. In FIG. 14A, the utility bill storage device including the utility bill acceptor 200 and / or the financial automation device 500 is referred to as a "storage terminal" for convenience.

Receive at least one or more storage details information and payment means information corresponding to at least one branch / bill payment processing from a predetermined storage terminal, and the payment means information (and / or financial means information) from the financial system 100; Referring to FIG. 14A which extracts the predetermined customer information linked and stores the received details information and the customer information in association, the predetermined storage terminal is linked with the jiro / bill processing system shown in FIG. Through the payment means of FIG. 4 and / or 6 as shown in Figure 1 and at least one or more journals to the paper / bill payment processing is performed (1400a).

If the paper / bill payment processing for the bill is completed (1405a), the storage terminal is connected to the paper / bill as shown in Figs. 4 and / or 6 through a predetermined network 170 and / or communication means 170. A predetermined payment amount used to process a predetermined settlement amount calculated by summing at least one or more accommodation details (e.g., billing number, payer number, payment amount, etc.) generated during the storage processing; The payment method information is transmitted to the DB server 1300 (1410a),

Thereafter, the DB server 1300 extracts predetermined customer information associated with the payment means information from the financial system 100 based on the payment means information (1415a), and the storage history received from the storage terminal. The information and the customer information extracted from the financial system 100 are processed in association with each other and stored in the predetermined storage D / B 1330 (1420a).

Referring to FIG. 14B for extracting and storing predetermined receipt information and customer information corresponding to a CMS deposit among Internet banking-based land / utility bill-related tasks from the financial system 100, the DB server 1300 is predetermined. Periodically check whether Internet banking-based Jiro / utility related work is performed in which a predetermined payment amount is deposited to a predetermined billing institution CMS account through internet banking through the interfacing means 135 of the financial system 100. (1400b).

If it is confirmed in the financial system 100 that an Internet banking-based land / utility bill-related work in which a predetermined payment amount is deposited to a predetermined billing institution CMS account is performed (1405b), the DB server 1300 is the interfacing means. Through the 135, the predetermined CMS history information (for example, CMS account number of the billing institution, CMS number of the depositing customer, CMS deposit amount, etc.) is extracted from the financial system 100 (1410b), and the financial system ( 100, the customer information about the CMS depositing customer is extracted (1415b).

According to the method of the present invention, the CMS account number of the billing institution of the CMS history information corresponds to the billing institution number of the storage history information, and the CMS number of the customer who deposits the CMS history information corresponds to the payer number of the storage history information. Correspondingly, it is preferable that the CMS deposit amount corresponds to the payment amount of the storage history information. In addition, the customer information for the CMS deposit customer preferably comprises member information such as customer name, social security number and contact information of the customer extracted from the member information D / B (not shown) of the Internet banking server.

As described above, when the storage history information (CMS history information) and the customer information corresponding to the business and billing related business from the financial system 100 is extracted, the DB server 1300 and the extracted storage history information (CMS history information) and The customer information is cooperatively processed and stored in the predetermined storage history D / B 1330 (1420b).

Referring to FIG. 14C for extracting and storing information and customer information corresponding to a CMS deposit among the window terminal-based Jiro / utility bill-related work from the financial system 100, the DB server 1300 is a predetermined one. Through the interfacing means 135, it checks periodically whether the counter terminal-based Jiro / utility bill-related work is performed in which a predetermined payment amount is deposited to a predetermined billing institution CMS account through the counter terminal in connection with the financial system 100 ( 1400c).

If it is confirmed in the financial system 100 that a counter terminal-based ground / utility related work in which a predetermined payment amount is deposited to a predetermined billing institution CMS account is performed (1405c), the DB server 1300 is the interfacing means. Through the 135, the predetermined CMS history information (for example, the CMS account number of the billing institution, the CMS number of the depositing customer, the CMS deposit amount, etc.) is extracted from the financial system 100 (1410c), and the financial system ( In step 10015, customer information on the CMS depositing customer is extracted.

According to the implementation method of the present invention, the CMS history information corresponds to the information written in the CMS payment slip prepared by the customer, and the billing agency CMS account number of the CMS history information corresponds to the billing agency number of the storage history information. Preferably, the CMS number of the customer depositing the CMS history information corresponds to the payer number of the storage history information, and the CMS deposit amount corresponds to the payment amount of the storage history information. In addition, the customer information for the CMS deposit customer preferably comprises personal information such as customer name, social security number and contact information written in the CMS deposit slip created by the customer.

As described above, when the storage history information (CMS history information) and the customer information corresponding to the business / bill-related tasks from the financial system 100 is extracted, the DB server 1300 is the extracted storage history information (CMS history information) And the customer information are linked and stored in the predetermined storage history D / B 1330 (1420c).

15 is a diagram illustrating an EBPP service request system according to another exemplary embodiment of the present invention.

More specifically, FIG. 15 is a request for applying for an EBPP service through a predetermined customer terminal 1545 based on the storage information and customer information collected through the Jiro / utility billing information collection system shown in FIG. A method for implementing an EBPP service application system for providing a customer with information related to an EBPP service application corresponding to the customer, and a person of ordinary skill in the art to which the present invention pertains refers to FIG. 15 and / or Based on the storage information and the customer information, various implementation methods for providing EBPP service application related information corresponding to the customer can be inferred to the customer requesting the EBPP service application through the predetermined customer terminal 1545. However, the present invention is not limited by the above-mentioned inferred method.

Referring to FIG. 15, the storage history D / B 1330 for storing and storing at least one storage information and customer information in association with each other, at least one payment method information (and / or financial means information) and customer information ( Or DBMS 1550 having customer information D / B for linking and storing payer information) and / or billing agency D / B for linking and storing at least one billing agency number and billing institution information; The DBMS 1550 extracts at least one or more pieces of storage information and payment means information (and / or financial means information) corresponding to the customer from the storage history D / B 1330 at the request of the client terminal 1545. Check customer information (or payer information) and billing agency information corresponding to the extracted storage history information, and at least one of the at least one billing device identified in connection with the customer terminal 1545; A predetermined storage medium by linking information with customer information (or payer information) and / or payment method information (and / or financial instrument information) and / or wireless terminal information (and / or e-mail address information) for providing EBPP services. And an EBPP registration server 1500 to store at 1535.

According to an embodiment of the present invention, the EBPP service request system includes at least one high-speed Internet including at least one Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or a cable communication network 1540. And / or a wired terminal including a desktop computer and / or a laptop connected through a wired communication network 1540 including at least one fixed IP-based Internet, or the like, and a code division multiple access (CDMA) based mobile communication network 1540. And / or a customer including at least one wireless terminal that is communicatively connected through a wireless communication network 1540 including at least one or more IEEE 802.16 based high speed wireless Internet and / or a DataTAC / Mobitex based wireless data communication network 1540. It is preferable to include a terminal 1545, according to the implementation method of the customer terminal 1545 through the predetermined communication network 1540 E It is preferable to access the BPP registration server 1500 to request an EBPP service request, and / or to request an EBPP service request from the EBPP registration server 1500 through a predetermined communication network 1540 and determine whether to approve the request. Do.

The storage history D / B 1330 is at least one or more from the billing apparatus and / or financial system 100 through the DB server 1300 of the branch / billing history information collection system shown in Figure 1 Collecting and storing the storage history information and customer information corresponding to the Jiro / utility bill storage process.

The DBMS 1550 may include at least one customer information D / B, and / or at least one billing agency number for storing at least one payment method information (and / or financial instrument information) and customer information (or payer information) in association. And billing agency D / B for linking and storing billing agency information.

According to the embodiment of the present invention, the customer information D / B included in the DBMS 1550 is preferably interoperable with the information system 115 that stores and manages customer information in the financial system 100. The billing agency D / B is linked to the information system 115 provided in the financial system 100, and / or to the billing / billing database associated with the KFTC, and / or to each billing institution. It is desirable to interwork with the provided Jiro / utility database.

Referring to FIG. 15, the EBPP registration server 1500 connects a communication channel with the customer terminal 1545 through a predetermined communication network 1540 and requests for an EBPP service from the customer terminal 1545 through the communication channel. Is requested, the interface unit 1505 for outputting a predetermined EBPP application interface screen to the client terminal 1545 when the EBPP service request is requested, and the EBPP from the client terminal through the interface unit 1505. When the service request is requested, an information confirmation unit 1510 for confirming customer information (or payer information) and payment method information (and / or financial means information) corresponding to the EBPP service request customer from the customer information D / B. And when the customer information (or payer information) and payment method information (and / or financial means information) are confirmed, the confirmed customer information (or information) from the customer information D / B. Rich information) and payment means information (and / or financial instrument information), and extracts at least one or more storage details associated with the confirmed customer information from the storage history D / B 1330, and then the billing institution. And an information extracting unit 1515 for extracting billing agency information corresponding to the billing agency number included in the storage history information from the D / B. The interface unit 1505 is the extracted at least one. And generating a predetermined EBPP application interface screen including the billing agency information and / or the payer information and the payment means information (and / or financial means information) to the client terminal. do.

The interface unit 1505 connects a predetermined communication channel with at least one or more customer terminals 1545 corresponding to a predetermined wired terminal through a predetermined wired communication network 1540, and / or a predetermined wireless communication network 1540. Through the at least one customer terminal 1545 corresponding to the predetermined wireless terminal through a predetermined communication channel is characterized in that. For example, if the customer terminal 1545 is a wired terminal equipped with a predetermined web browser, the interface unit 1505 may use a Hyper-Text Transfer Protocol (HTTP) based on Transmission Control Protocol / Internet Protocol (TCP / IP). A communication channel may be connected to the client terminal 1545 through a protocol, and if the client terminal 1545 is a wireless terminal (eg, a mobile communication terminal connected to the mobile communication network 1540) equipped with a predetermined swap browser, the WAP A communication channel may be connected to the customer terminal 1545 through a wireless application protocol.

In addition, the interface unit 1505 checks whether an EBPP service request is requested from the customer terminal 1545 through the communication channel, and the EBPP service request is transmitted from the customer terminal to the interface unit 1505. The method may further include providing predetermined login information (and / or member information), whereby the information checking unit 1510 performs the customer information D based on the login information (and / or member information). From / B, the customer information (or payer information) and payment method information (and / or financial instrument information) corresponding to the EBPP service request customer can be checked.

The information extracting unit 1515 extracts at least one billing institution information and / or payer information corresponding to at least one or more pieces of storage information stored in the storage history D / B 1330, and the customer information D / B. If the predetermined payment means information (and / or financial means information) is extracted from, and / or predetermined wireless terminal information (and / or email address information) included in the extracted customer information is confirmed, the interface unit 1505 may include an EBPP target list including the at least one billing institution information and / or payer information, the payment method information (and / or financial instrument information) and / or wireless terminal information (and / or mail address information). And a predetermined EBPP application interface screen including a to the client terminal 1545, whereby the client terminal 1545 provides the predetermined EBPP application interface screen. Select at least one EBPP application target from the EBPP target list, and change and / or input the payment means information (and / or financial instrument information) and / or wireless terminal information (and / or mail address information) have.

According to an exemplary embodiment of the present invention, the interface unit 1505 provides the extracted payment means information (and / or financial means information) and / or the EBPP application interface screen provided to the customer terminal 1545 as described above. Or wireless terminal information (and / or mail address information), and modifying the payment means information (and / or financial means information) and / or wireless terminal information (and / or mail address information) in the customer terminal. Or a user interface capable of selecting and / or inputting, in which case the customer wants to receive the EBPP service through the user interface, and / or predetermined payment means information (and / or financial instrument information). Change and / or select and / or enter wireless terminal information (and / or mail address information).

According to an exemplary embodiment of the present invention, the interface unit 1505 provides the extracted payment means information (and / or financial means information) and / or wireless on the EBPP application interface screen provided to the customer terminal 1545. Inputting predetermined payment means information (and / or financial means information) and / or wireless terminal information (and / or e-mail address information) in the customer terminal without including terminal information (and / or mail address information); Or provide only a user interface that can be selected, in which case the customer wishes to receive EBPP services via the interface, and the payment information (and / or financial information) and / or wireless terminal information (and / or information) E-mail address information).

In addition, referring to FIG. 15, the EBPP registration server 1500 may be configured to change information through at least one or more EBPP application target selection information selected from the customer terminal 1545 through the EBPP application interface screen, and through the EBPP application interface screen. And / or an information receiving unit 1520 for receiving input payment means information (and / or financial instrument information) and / or wireless terminal information (and / or e-mail address information), and the EBPP received through the information receiving unit 1520. At least one billing institution information and payer information corresponding to the application target selection information are stored in a predetermined manner in association with the payment means information (and / or financial means information) and / or wireless terminal information (and / or e-mail address information). And an information storage unit 1525 stored in the medium 1535.

According to an exemplary embodiment of the present invention, when the customer terminal 1545 requests a wired EBPP service, the information storage unit 1525 may include at least one billing institution information and payer information in the payment means information (and / or Financial instrument information) and / or e-mail address information, and store the data in a predetermined storage medium 1535. The wireless terminal information of the customer may be further stored according to the intention of a person skilled in the art.

According to another exemplary embodiment of the present invention, when the customer terminal 1545 requests a wireless EBPP service, the information storage unit 1525 may include at least one billing agency information and payer information in the payment means information (and / or Or financial means information) and / or wireless terminal information and store the data in a predetermined storage medium 1535, and may further include the mail address information of the customer according to the intention of a person skilled in the art.

Referring to FIG. 15 in accordance with an embodiment of the present invention, the EBPP registration server 1500 is an EBPP application for securing confidentiality, authentication, integrity and non-repudiation of the EBPP application customer in connection with the customer terminal 1545. Preferably, the apparatus further includes a customer authentication unit 1530 that performs a customer authentication procedure.

According to another embodiment of the present invention, when the EBPP application customer authentication procedure is processed and completed inside the customer terminal 1545, the customer authentication unit 1530 may be omitted. In addition, when the EBPP application customer authentication procedure is processed in a separate authentication server other than the EBPP registration server 1500, the customer authentication unit 1530 may be provided in the authentication server, thereby limiting the present invention. No.

According to one embodiment of the invention, the customer authentication unit 1530 generates a predetermined authentication number, and through the predetermined wireless terminal information (or mobile phone number of the EBPP application customer extracted from the customer information D / B) After transmitting the generated authentication number to the wireless terminal of the EBPP requesting customer, the client terminal 1545 (eg, a wired terminal or a wireless terminal) waits for the authentication number to be received, and if the client terminal ( When a predetermined authentication number is received from 1545, it is desirable to secure confidentiality, authentication, integrity, and nonrepudiation of the EBPP requesting customer by comparing the authentication number sent to the wireless terminal with the received authentication number.

According to another exemplary embodiment of the present invention, when the wireless terminal is provided with a predetermined one-time password (OTP) generation function, the customer authentication unit 1530 may synchronize time using the one-time password generation function provided in the wireless terminal. It is desirable to ensure confidentiality, authentication, integrity and non-repudiation for the EBPP applicant customer in accordance with at least one OTP authentication procedure, either in a scheme or challenge-response scheme.

According to another exemplary embodiment of the present invention, the customer authentication unit 1530 receives predetermined biometric information from the customer terminal 1545, and interoperates with predetermined biometric information D / B (not shown). By authenticating the biometric information, it is possible to secure confidentiality, authentication, integrity and non-repudiation of the EBPP applicant customer, in addition to the various EBPP application customer authentication procedures according to the intention of those skilled in the art, thereby limiting the present invention Not.

16 is a diagram illustrating an EBPP service request method according to another embodiment of the present invention.

In more detail, in FIG. 16, in the EBPP service application system as shown in FIG. 15, when a predetermined client terminal accesses the EBPP registration server 1500 through a predetermined communication network 1540 and applies for the EBPP service, the EBPP service is applied. An EBPP application such as FIGS. 11 and / or 12a, 12b, and 12c is applied to the customer terminal 1545 based on the storage information and the customer information stored in the storage D / B 1330 at the registration server 1500. An embodiment of an EBPP service application method for automatically processing the EBPP service application by providing an interface screen, and a person having ordinary knowledge in the art to which the present invention pertains refers to FIG. 16 and / or Alternatively, it is possible to infer various implementation methods for automatically processing the EBPP service request by providing a predetermined EBPP application interface screen to the customer terminal. Or, to which the present invention is not limited to an embodiment in which the inference. For example, before performing the process of FIG. 16, the EBPP registration server 1300 requests the EBPP service application on the basis of the information stored in the storage D / B 1330 from the customer terminal 1345, and the customer. The process of approving the EBPP service request at the terminal 1345 may be preceded.

Referring to FIG. 16, after the customer terminal 1545 accesses the EBPP registration server 1500 through a predetermined wired communication network 1540 and / or a wireless communication network 1540, and performs a member registration and / or login procedure. The EBPP server requests an EBPP service request (1600).

Thereafter, the EBPP registration server 1500 includes individual member information (eg, name, resident registration number, address, contact information, etc.) corresponding to the EBPP requesting customer from the membership registration information and / or login information. Information), and checks and extracts customer information (or payer information) and payment method information (and / or financial means information) matching the member information from the customer information D / B (1610).

In addition, the EBPP registration server 1500 extracts at least one piece of storage information, which is stored and matched with the customer information, from the storage history D / B 1330 based on the extracted customer information (1615).

If the stored history information matched with the customer information is not extracted from the storage history D / B 1330 (1620), the EBPP server registers a predetermined EBPP with the client terminal 1545 according to a conventional EBPP application procedure. Request information (e.g., book information on the document to EBPP destination, payment instrument information (and / or financial instrument information) for EBPP, wireless terminal information (and / or mail address information, etc.) for EBPP (1625) In operation 1630, the EBPP registration information is received from the client terminal 1545 and stored in a predetermined storage medium 1535.

On the other hand, if at least one or more pieces of storage information matched with the customer information are stored and extracted from the storage history D / B 1330 (1620), the EBPP registration server 1500 bills from the extracted one or more pieces of storage information. The storing of duplicated institution numbers is erased (1635), the payment means information (and / or financial means information) stored in association with the customer information is extracted from the customer information D / B, and the storage is received from the billing institution D / B. The billing agency information corresponding to the billing agency number of the detail information is extracted (1640).

Thereafter, the EBPP registration server 1500 pays the EBPP target list including the extracted at least one billing agency information and / or payer information to the customer terminal 1545, and the bill / bill charged by the billing institution. EBPP application interface including predetermined payment instrument information (and / or financial instrument information) for processing and / or wireless terminal information (and / or mail address information) for predetermined EBPP extracted from the customer information (or payer information) The screen is provided (1645).

According to an embodiment of the present invention, when the customer terminal 1545 is a wired terminal, the EBPP application interface screen is illustrated in FIG. 11, and the customer terminal 1545 according to another embodiment of the present invention. In the case of the wireless terminal, the EBPP application interface screen is as illustrated in FIGS. 12A, 12B, and 12C.

Thereafter, the client terminal 1545 selects at least one EBPP application target from the list of EBPP targets through the EBPP application interface screen shown in FIGS. 11 and / or 12a, 12b, and 12c, and the EBPP application interface. Change the payment instrument information (and / or financial instrument information) for the EBPP included as a default value on the screen, enter other payment instrument information (and / or financial instrument information), and / or the EBPP application interface The EBPP radio terminal information (and / or mail address information) included in the screen as a default value is changed or input as other radio terminal information (and / or mail address information) (1650).

When the selection of EBPP application targets and change and / or input of EBPP payment method information (and / or financial instrument information) and EBPP wireless terminal information (and / or mail address information) are completed through the EBPP application interface screen, The client terminal 1545 transmits the EBPP application target selection information, EBPP payment method information (and / or financial instrument information), and EBPP radio terminal information (and / or mail address information) to the EBPP registration server 1500. In operation 1655, the EBPP registration server 1500 transmits at least one billing institution information and payer information corresponding to the EBPP application target selection information received from the customer terminal 1545. Or it is stored in a predetermined storage medium 1535 by processing in association with the financial instrument information) and EBPP radio terminal information (and / or mail address information) (1660).

In accordance with the present invention, a customer visits a bank branch and pays the bill / bill via a bill of paper through at least one or more bill acceptors and / or financial automation devices, and / or is CMS-based via a teller terminal and / or the Internet. In the process of paying the giro / utility bills, storing and accumulating in association with the giro / utility billing history information and the payment means (and / or financial means) information of the customer, and in the process of applying for a predetermined EBPP service by the customer Inconvenience of registering the customer electronic bills for the payment of giro / utility bills in the conventional EBPP application process on the basis of the stored and accumulated giro / utility payment history information and the customer's payment means (and / or financial means) information. There is an advantage to solve the problem.

Claims (14)

Customer Giro (or utility bill) receipts stored through a Giro (or utility bill) device or an Internet banking-based Giro (or utility bill) storage system or financial institution window terminal and the payment method used by the customer for payment of the Giro (or utility bill) (Or financial means) information collecting means for collecting information; Information storage means for linking the collected customer giro (or utility bills) information and payment means (or financial means) information used by a customer for payment of the giro (or utility bills) and storing the information on the predetermined storage medium; When performing the electronic payment and payment service registration process of the customer, in connection with the storage medium (or storage medium operating means), at least one or more storage information and payment means (or financial means) information corresponding to the customer is extracted and Branch (or utility billing) billing agency information identified using the extracted storage history information, customer information confirmed using the extracted customer payment means (or financial means) information, and the extracted customer payment means ( Or financial instrument) information, for payment of billing institution information, customer information, and giro (or utility bills) by requesting and receiving the request from the customer during registration of the electronic payment and payment service registration process. Electronic payment and payment service registration means for automatically registering at least one of payment means (or financial means) information; Interface means for processing transmission and reception of the electronic payment and payment service registration request or registration approval related information in association with the electronic payment and payment service registration target customer terminal; And And an authentication processing means for authenticating the electronic payment and payment service registration target customer in association with the electronic payment and payment service registration target customer terminal. The electronic payment and payment service registration means, Claiming agency information corresponding to the claiming agency number information included in the extracted storage history information in association with the storage medium (or storage medium operating means) for linking and storing the billing agency number information and the respective billing agency information corresponding thereto; Check the Corresponding to the extracted payment means (or financial means) information in association with a storage medium (or storage medium operating means) for storing and processing the payment means (or financial means) information for each customer and the corresponding customer information. Electronic payment and payment service registration system of the customer using the customer giro (or utility bills) receiving information, characterized in that the customer information is confirmed. delete delete delete delete The method of claim 1, The storing history information comprises at least one billing agency number information, payer number information, and payment amount information corresponding to the branch (or utility bill) storing process, The payment means (or financial means) information, customer characterized in that it comprises at least one or more cash card number information, debit card number information, account number information, credit card number information, check card number information, electronic money information Customer's electronic payment and payment service registration system using giro (or utility bill) information. delete delete delete delete delete delete delete delete

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