KR101793495B1 - Method for Scheduling Monetary Transaction between Individuals by using Electronic Documents - Google Patents

Abstract

According to another aspect of the present invention, there is provided a method of executing an inter-personal financial transaction scheduling method using an electronic document, the method comprising: generating or confirming a transaction request electronic document including a transaction deadline; (M > = 1) which has reached a predetermined time before the closing deadline of the stored transaction request electronic document by comparing the current deadline and the transaction deadline date contained in the stored transaction request electronic document, The transaction request message requesting to process the transaction generated based on the electronic document and outputting the transaction request message is output when the transaction request electronic document is confirmed and the M transaction request electronic documents having reached the predetermined deadline before the transaction deadline are confirmed, Based on the user's selection of the transaction request message, (1? M '? M) transaction target electronic documents to be processed among the M transaction request electronic documents that have arrived, and extracts m' transaction information from the determined m 'transaction target electronic documents And processes m 'transactions generated based on the electronic document.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for scheduling a monetary transaction using an electronic document,

The present invention relates to a method executed by a user's wireless terminal, comprising the steps of generating or confirming a transaction request electronic document including a transaction deadline, storing the transaction request electronic document in a designated storage area of a memory unit, (M > = 1) transaction requesting electronic documents that have reached the predetermined deadline before the closing deadline among the stored transaction request electronic documents by confirming the transaction deadline date and time included in the electronic document, When the M transaction requesting electronic documents that have reached the predetermined time limit are identified, a transaction request message requesting to process transactions generated based on the electronic document is constructed and output, and based on the user's selection of the transaction request message Of the M transaction request electronic documents reaching the predetermined time period before the transaction deadline, m '(1? M'? M ) Of the transaction target electronic documents, and extracting m 'pieces of transaction information from the determined m' transaction target electronic documents to process m 'transactions generated based on the electronic documents And a method for scheduling a monetary transaction between individuals.

A wireless banking system having at least one banking program in a wireless terminal such as a mobile phone or a smart phone to provide non-face banking has been constructed. However, due to the inconvenience of inputting transaction information through the wireless terminal, the wireless banking service most provided through the wireless banking system is a reference service for the own account.

On the other hand, it is the account transfer service that is frequently used next to the inquiry service through the wireless banking service. In many cases, the account transfer service provided through the wireless banking is provided by a payment request or a request of another person. In other words, most voluntary account transfers are provided through Internet banking or through automatic debit service, and most of the account transfers provided through the wireless banking service are account transfers by a deposit request have.

However, in the case of providing the account transfer service or the utility payment service through the wireless banking service as described above, the user of the wireless terminal must input various transaction information for the account transfer transaction or the payment of utility bills on the banking interface screen There is an inconvenience. Particularly, since most of the wireless banking services are generated during the movement, it is very troublesome to input various transaction information in the wireless banking process, and input errors may occur in some cases.

An object of the present invention is to provide a method executed by a user's wireless terminal, comprising the steps of generating or confirming a transaction request electronic document including a transaction closing date and time, storing the transaction request electronic document in a designated storage area of the memory unit, (M > = 1) transaction request electronic documents that have reached the predetermined deadline before the transaction deadline among the stored transaction request electronic documents by confirming the transaction deadline date and time included in the transaction request electronic document, When a transaction request message requesting to process a transaction generated based on the electronic document is output and configured to output the transaction request message, On the basis of the m number of transaction request electronic documents that have reached the predetermined time before the transaction deadline, m ' 1 ≤ m ≤ M) of the transaction target electronic document, extracting m 'transaction information from the determined m' transaction target electronic documents, and processing m 'transactions generated based on the electronic document And to provide an inter-personal money transaction scheduling method using an electronic document to be performed.

A method for an inter-personal financial transaction scheduling method using an electronic document according to the present invention is a method executed by a user's wireless terminal, the method comprising: a first step of generating or confirming a transaction request electronic document including a transaction closing date and time; A second step of storing the document in a designated storage area of the memory unit, and a second step of checking the transaction deadline date and time included in the stored transaction request electronic document and comparing the current date and time with the current date and time, In the third step of confirming M (M ≥ 1) transaction request electronic documents and when the M transaction request electronic documents reaching the predetermined deadline before the transaction deadline are confirmed, request to process transactions generated based on the electronic document A fourth step of constructing and outputting a transaction request message and a fourth step of outputting the transaction request message to the user, A first step of determining m '(1? M'? M) transaction target electronic documents to be processed among M transaction request electronic documents that have reached a predetermined time before the transaction deadline; And a sixth step of extracting m 'pieces of transaction information from the target electronic document and processing m' transactions generated based on the electronic document.

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In the inter-personal financial transaction scheduling method using an electronic document according to the present invention, the transaction request electronic document may include a deposit request amount requested by a transaction requester.

In the inter-personal financial transaction scheduling method using an electronic document according to the present invention, the transaction request electronic document may further include deposit bank information and a deposit account number of the transaction requester.

In the inter-personal money transaction scheduling method using an electronic document according to the present invention, the transaction request electronic document further includes deposit request detail information that the transaction requester inputs to request a deposit transaction.

In the inter-personal financial transaction scheduling method using an electronic document according to the present invention, the transaction request electronic document is generated by using encoded data in an image obtained through a camera of the wireless terminal.

The fifth step may include displaying a list of M transaction request electronic documents on the basis of the user's selection of the transaction request message, (N'1) pieces of information included in m (1? M? M) transaction request electronic documents selected for screen display among the M transaction request electronic documents displayed on the screen, And determining m 'number of transaction target electronic documents to be selected as objects.

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In an inter-personal financial transaction scheduling method using an electronic document according to the present invention, in the sixth step, the transaction information of each item extracted from the transaction target electronic document is automatically input to each transaction information item on the interface screen for processing the transaction And a step of processing the image data.

The method further includes processing the determined transaction based on a user operation on the transaction request message in the inter-personal financial transaction scheduling method using the electronic document according to the present invention.

According to another aspect of the present invention, there is provided a method for scheduling a transaction request according to an electronic document, the method comprising the steps of: acquiring image data including a code image area obtained by coding binary data through the camera unit, A second step of generating and confirming a transaction request electronic document including a transaction closing date and time through the binary data and a third step of storing the transaction request electronic document in an electronic document storage area allocated to a memory unit, (M > = 1), which has reached a predetermined time period before the closing of the transaction, by periodically checking the transaction closing date and time included in the transaction request electronic document stored in the electronic document storage area, A fourth step of confirming a transaction request electronic document, and a fourth step of confirming the transaction request electronic document Below configure request message it will be characterized in that it comprises a fifth step of outputting.

A method for scheduling a transaction request according to an embodiment of the present invention, the method further comprising: maintaining an electronic document format including N (N> 1) information items that can be included in a transaction request electronic document, Requesting electronic document including transaction request data corresponding to N '(N'N) information items for transaction among the N information items through the binarization data.

In the method of scheduling a transaction request according to an electronic document according to the present invention, the second step is characterized by receiving a transaction request electronic document corresponding to the binary data from a designated server.

In the method of scheduling transaction requests according to the present invention, the second step may further include outputting information corresponding to some items of the transaction request electronic document.

The method according to the present invention is characterized by comprising the steps of: checking a storage history or transaction history of the transaction request electronic document; determining whether the transaction request electronic document is included in the history And outputting the detailed information.

A wireless terminal for scheduling a transaction request according to an exemplary embodiment of the present invention generates a transaction request electronic document through image data input through a camera unit and schedules a transaction request for each electronic document, An electronic document retaining unit for retaining an electronic document format (or a data structure) for N (N> 1) information items included in the electronic document and an image data including a code image region in which the binarized data is encoded through the camera unit When the transaction request data for the N '(N'? N) information items necessary for processing at least one of the N information items from the binarization data extracted from the image data is confirmed, N 'pieces of information item transaction request data into the electronic document format (or data structure) An electronic document storage unit for storing the generated transaction request electronic document in an electronic document storage area allocated to a memory unit; and an electronic document storage unit for storing at least one transaction stored in the electronic document storage area (M > = 1) transaction requesting electronic documents that have reached the predetermined deadline before the close of the transaction by periodically confirming the transaction deadlines included in the request electronic documents and comparing the transaction deadlines with the current date and time, And a message output unit configured to output and output a transaction request message for the M transaction requesting electronic documents.

According to another aspect of the present invention, there is provided a wireless terminal for scheduling a transaction request according to an electronic document, the image processing apparatus comprising: an image acquiring unit for acquiring image data, A data extracting unit for reading the binary data and extracting n transaction information request items for each n information items of the N information items of n information items (1? N? N) (N'-N) transaction request data necessary for processing at least one transaction among the N information items from the binarization data is extracted from the server on the communication network, n) items of transaction request data for each information item.

According to another aspect of the present invention, there is provided a wireless terminal for scheduling a transaction request according to an electronic document, wherein when the binary data includes the authenticator data, the wireless terminal derives the verifier data corresponding to the authenticator data, And a data verifying unit for verifying the binary data by determining whether a predicted result value is derived by performing a verification operation with the authenticator data.

According to the present invention, in a wireless terminal that schedules a transaction request for each electronic document, the transaction request message includes a screen message including at least one video data of characters, images, and moving pictures output on the screen of the wireless terminal, And at least one sound message including at least one audio data of a moving picture, a buzzer, a voice memo, and a buzzer output through the speaker.

According to the present invention, when the transaction request electronic document is stored in the electronic document storage area, the wireless terminal that schedules the transaction request for each electronic document includes the deposit bank code and the deposit account number included in the stored transaction request electronic document (N '< N) transaction request data based on the binarization data newly acquired through the image acquisition unit, A history checking unit for checking whether the deposit bank code and the deposit account number included in the request data are included in the stored history information; and a history checking unit for checking whether the deposit bank code and the deposit account number of the transaction request data are included in the stored history information , Displays the detailed deposit request information of the transaction request data, The electronic document storage unit may store the deposit bank code and the deposit account number of the transaction request data in the storage history information, Or if the storage of the transaction request data is approved, the transaction request electronic document may be stored in the electronic document storage area.

According to the present invention, when a transaction request electronic document is stored in the electronic document storage area, the wireless terminal that schedules a transaction request for each electronic document includes a giro number and an electronic payment number included in the stored transaction request electronic document (N '< / RTI > N) transaction request data based on the binarization data newly acquired through the image acquisition unit, A history checking unit for checking whether the giro number and the electronic payment number included in the data are included in the storage history information; and if the giro number and the electronic payment number of the transaction request data are not included in the storage history information, Displaying the deposit request detail information of the request data, and a transaction including the transaction request data The electronic document storage unit may further include a storage acknowledgment unit for displaying an interface for determining whether to store the electronic document, wherein the electronic document storage unit stores the electronic document identification number and electronic payment number of the transaction request data in the storage history information, If the storage of the data is approved, the transaction request electronic document can be stored in the electronic document storage area.

According to the present invention, the wireless terminal that schedules the transaction request for each electronic document, when a payment transaction is provided through the transaction request electronic document stored in the electronic document storage area, transmits the deposit bank code included in the deposited transaction request electronic document (N '< N) transaction request data based on the binarization data newly acquired through the image acquisition unit, the transaction history information including the deposit account number, A history checking unit for checking whether the deposit bank code and the deposit account number included in the N 'pieces of transaction request data are included in the transaction history information; and a history checking unit for checking whether the deposit bank code and the deposit account number of the transaction request data are included in the transaction history information Displays the deposit request detailed information of the transaction request data, The electronic document storage unit may further include a storage acceptance unit for displaying an interface for determining whether or not to store a transaction request electronic document including transaction request data. The electronic document storage unit may store the deposit bank code and the deposit account number of the transaction request data in the transaction history Or may store the transaction request electronic document in the electronic document storage area if the storage of the transaction request data is approved.

According to the present invention, the wireless terminal that schedules the transaction request for each electronic document, when a payment transaction through the transaction request electronic document stored in the electronic document storage area is provided, (N '< / RTI > N) transaction request data based on the binarization data newly acquired through the image acquisition unit, A history checking unit for checking whether the giro number and the electronic payment number included in the transaction request data are included in the transaction history information and a giro number and an electronic payment number of the transaction request data are included in the transaction history information And displays the detailed information of the deposit request of the transaction request data, The electronic document storage unit may further include an electronic document storage unit for storing the transaction request data and the electronic payment number in the transaction history information, Or if the storage of the transaction request data is approved, the transaction request electronic document may be stored in the electronic document storage area.

According to another aspect of the present invention, there is provided a mobile terminal for scheduling a transaction request according to an electronic document, the mobile terminal comprising: a list display unit for displaying a list of M transaction request electronic documents; When the electronic document to be displayed is selected, an electronic document output unit for outputting N 'pieces of transaction request data for each information item included in the selected m number of display target electronic documents.

According to the present invention, the mobile terminal for scheduling a transaction request for each electronic document, when m '(1? M'? M) transaction target electronic documents among the M transaction request electronic documents are determined, A transaction information extracting unit for extracting a deposit bank code, a deposit account number and a deposit request amount from a target electronic document, a banking interface screen including m 'deposit bank code items, deposit account number items and transaction amount items, Inputting the extracted m 'deposit bank code into the m' deposit bank code item, inputting the extracted m 'deposit account number into the m' deposit account number item, And an interface output unit for inputting the extracted m 'deposit request amount in the item.

According to the present invention, the mobile terminal for scheduling a transaction request for each electronic document, when m '(1? M'? M) transaction target electronic documents among the M transaction request electronic documents are determined, A transaction information extracting unit for extracting a deposit bank code, a deposit account number and a deposit request amount from a target electronic document, and a first banking interface screen including a deposit bank code item, a deposit account number item and a transaction amount item, The first deposit bank code of the extracted m 'deposit bank codes is input to the deposit bank code item of the first banking interface screen, the first deposit account number is inputted to the deposit account number item, and the transaction amount item And an interface output unit for repeating the process of inputting the first deposit request amount to the m'th banking interface screen.

According to the present invention, the mobile terminal for scheduling a transaction request for each electronic document, when m '(1? M'? M) transaction target electronic documents among the M transaction request electronic documents are determined, A transaction information extracting unit for extracting a giro number and an electronic payment number from the target electronic document, a banking interface screen including m 'number of giro number items and electronic payment number items, And inputting the extracted m 'electronic payment numbers to the m' electronic payment number items.

According to the present invention, the mobile terminal for scheduling a transaction request for each electronic document, when m '(1? M'? M) transaction target electronic documents among the M transaction request electronic documents are determined, A transaction information extracting unit for extracting a giro number and an electronic payment number from a target electronic document, a first banking interface screen including a giro number item and an electronic payment number item, And an interface output unit for inputting the first number of the extracted m 'number of gilas and inputting the first electronic payment number to the electronic payment number item to the m'th banking interface screen .

According to the present invention, in a wireless terminal that schedules a transaction request for each electronic document, the banking interface screen may be output through a banking program provided in the wireless terminal.

A program for scheduling a transaction request for each electronic document according to the present invention is executed in the wireless terminal

According to the present invention, a code image obtained by encoding a transaction request data including a transaction closing date and time is transmitted to a wireless terminal user, and the wireless terminal user photographs the code image through a camera provided in the wireless terminal A transaction requesting electronic document including a transaction closing date and time is generated through the code image to automatically schedule a transaction including the transaction closing date and time, and then various transactions requested by the transaction requestor within a predetermined period before the closing date of the transaction There is an advantage of automatic generation.

According to the present invention, when a transaction is generated through the scheduled transaction request electronic document, transaction request data necessary for the transaction is extracted from the transaction request electronic document and automatically input to the banking interface screen, There is an advantage to deal with transactions conveniently.

According to the present invention, there is an advantage that a transaction for a plurality of scheduled transaction request electronic documents is integrated / batch processed.

1 is a diagram illustrating a wireless terminal function configuration for scheduling a transaction request according to an electronic document according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a wireless terminal function configuration for processing transactions through a transaction request electronic document scheduled according to an embodiment of the present invention.
3 is a diagram illustrating a wireless terminal functional configuration for automating the scheduling of a transaction request message according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of a banking system for processing a transaction through a transaction request electronic document scheduled according to an embodiment of the present invention.
5 is a diagram illustrating a process of scheduling transaction request electronic documents according to an embodiment of the present invention.
6 is a diagram illustrating a process of checking a scheduled transaction request electronic document according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction process through a scheduled transaction request electronic document according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a transaction process through a scheduled transaction request electronic document according to another embodiment of the present invention.
9 is a diagram illustrating a process of automating the scheduling of transaction request electronic documents through the storage history according to an embodiment of the present invention.
10 is a diagram illustrating a process of automating the scheduling of a transaction request electronic document through a transaction history according to another embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

Furthermore, in order to more clearly describe the technical features of the present invention in the embodiments shown below, an explanation will be given with an identification code of a form such as "first" or "second & Is intended to identify each term only and should not be construed as a distinction or limitation as to each of the terms serving as a different function and role by the identification code.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram illustrating a functional configuration of a wireless terminal 100 that schedules a transaction request according to an electronic document according to an embodiment of the present invention.

In more detail, in FIG. 1, a transaction request electronic document having a transaction deadline determined based on binary data extracted from image data inputted through a camera is generated and stored, and before the transaction deadline is reached, 1 is a block diagram illustrating a wireless terminal 100 according to an exemplary embodiment of the present invention. Referring to FIG. 1 and / or FIG. 1, the wireless terminal 100 It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the following claims. The wireless terminal 100 of FIG. 1 may further include various functional configurations of a cellular phone (or a smartphone) currently / in the future in addition to the function configuration unit shown in FIG. 1, and thus the present invention is not limited thereto. .

1, the wireless terminal 100 includes a control unit 105, a memory unit 145, a screen output unit 110, a sound processing unit 115, a key input unit 120, a camera unit 125, A wireless communication unit 135 and a USIM reader 140 and a USIM 143 and a battery 130 for power supply and has at least one functional unit (for example, a camera unit 125 (Not shown), a position positioning unit (not shown), and the like).

The control unit 105 is a generic term for controlling the operation of the wireless terminal 100. The control unit 105 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 105 loads at least one program code included in the wireless terminal 100 into the execution memory through the processor, and outputs the result to at least one function And controls the operation of the wireless terminal 100. Hereinafter, a functional configuration unit implemented in the form of program code for realizing the present invention will be described in the control unit 105 of FIG. 1 for convenience.

The memory unit 145 is a general term of a nonvolatile memory included in the wireless terminal 100 and includes at least one program code executed through the control unit 105 and at least one data set used by the program code And stores it. The memory unit 145 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 100, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 100, One application program code and application data set are stored, and the program code and data set for implementing the present invention are also stored in the memory unit 145. [

According to the present invention, the memory unit 145 includes an electronic document storage area for storing a transaction request electronic document created based on the binary data extracted from the image data input through the camera. Here, the electronic document storage area is a storage area allocated to store at least one transaction request electronic document file, or a data block corresponding to at least one transaction request electronic document composed of a predetermined electronic document format (or data structure) May include a data file to store and store.

The screen output unit 110 includes a screen output device (e.g., an LCD (Liquid Crystal Display) device) and an output module for driving the screen output device 110. The screen output unit 110 is connected to the control unit 105 via a bus, And outputs an operation result corresponding to the screen output to the screen output device.

The sound processor 115 includes a speaker for outputting a sound signal, a microphone for receiving a sound signal, and a sound module for driving the speaker / microphone. The sound processor 115 is connected to the controller 105 via a bus, And outputs the calculation result corresponding to the sound output among the various calculation results through the speaker or transmits the sound data inputted through the microphone to the control unit 105. [ The sound module decodes the sound data to be output through the speaker and converts the sound data into a sound signal or encodes the sound signal inputted through the microphone to encode the sound signal.

The key input unit 120 includes a key input device having at least one key button (or a touch screen device coupled to the screen output unit 110) and an input module for driving the key input device. The control unit 105, And inputs a command for commanding various operations of the control unit 105 or data necessary for the operation of the control unit 105. [

The camera unit 125 includes the optical unit, a CCD (Charge Coupled Device) and a camera module for driving the CCD unit, and acquires bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless communication unit 135 is a collective term for communicating wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band, (105) connected to the control unit (105) and transmits the calculation result corresponding to the wireless communication among the various calculation results of the control unit (105) through wireless communication, or receives data through wireless communication and transmits the data to the control unit And also maintains procedures for connection, registration, communication, and handoff of the wireless communication.

According to an embodiment of the present invention, the wireless communication unit 135 includes a mobile communication configuration that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA standard IEEE 802.11? And may further include a wireless data communication configuration for performing at least one of connection to a data communication network, location registration, data communication, and handoff using Wi-Fi / Bluetooth according to the standard. Meanwhile, according to the intention of a person skilled in the art, the wireless communication unit 135 may be an IEEE 802.16? The mobile communication terminal may further include a portable Internet communication configuration for performing at least one of connection to the portable Internet, location registration, data communication, and handoff according to the standard. According to the wireless communication configuration provided by the wireless communication unit 135, I will make it clear.

The USIM reader unit 140 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module mounted or detached from the mobile station 100 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM 143 is an SIM type card having an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit 140, An IC chip memory for storing a program code for a chip and a data set, and a control unit for calculating the program code for the IC chip or extracting the data set in accordance with at least one command transmitted from the wireless terminal 100 And transmitting the processed data to the input / output interface.

The input / output interface includes at least one of a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and an input / output , The processor interfaces with the USIM reader unit 140 via the contact. The IC chip memory stores system program codes and system parameters corresponding to the operating system of the IC chip and at least one security module, and stores at least one communication required for the wireless communication network connection of the wireless terminal (100) (Subscriber Identity Module) information including parameters. According to an embodiment of the present invention, the IC chip memory includes at least one storage area for each applet issuer (for example, SD (Security Domain)) storing program codes (= applets) and data sets produced by at least one applet issuer )).

Referring to FIG. 1, the wireless terminal 100 includes an electronic document holding unit 150 (FIG. 1) for holding an electronic document format (or data structure) for N (N> 1) information items included in the transaction request electronic document .

According to the present invention, the electronic document storage area includes N information items in a preset electronic document format, or stores a transaction request electronic document including the N information items in a predetermined data structure, The maintenance unit 150 constructs and maintains an electronic document format (or data structure) for the N information items to be stored in the electronic document storage area. Here, the electronic document format (or data structure) of the transaction request electronic document may be stored in a form stored in a storage medium referred to by the electronic document generation unit 180, or may be stored in a form corresponding to the electronic document generation unit 180 Can be maintained in the form of a data structure declaration referenced by the program code.

The N information items included in the electronic document format (or data structure) include a transaction deadline date and time for closing the transaction through the transaction request electronic document.

In addition, when the transaction request electronic document requests the account transfer transaction, the N information items include a deposit bank code item, a deposit account number item, and a deposit request amount item, And may further include a request detail entry. Here, the deposit request detail information includes character string information that identifies a transaction requester requesting the account transfer transaction and can verify the basis of the transaction.

In addition, when the transaction request electronic document requests the payment of the utility bills, the N information items include at least one item of a giro number item and an electronic payment number item, and the detailed information item of the utility bills payment for the utility bills payment transaction As shown in FIG. Here, the detailed bill payment detail information includes character string information that identifies the billing agency that requested the bill payment and can verify the basis of the bill.

Referring to FIG. 1, the wireless terminal 100 includes an image obtaining unit 155 that obtains image data including a code image area in which binary data is encoded through the camera unit 125, An image reading unit 160 for normalizing and reading a code image area of the image data and obtaining binary data encoded in the code image when the image data is obtained through the obtaining unit 155, A data extracting unit (170) for extracting transaction request data for each n information items for n (1? N? N) information items out of the N information items; If N ' (N ' N) transaction request data necessary for processing one transaction are not extracted from the code image server 400 on the communication network, Further comprising a data receiving unit (175) for receiving (N'-n) transaction request data for each information item to be included in the electronic document, wherein when the binary data includes the authenticator data, And a data verifying unit (165) for verifying the binary data by determining whether a predicted result value is derived by comparing the verifier data with the authenticator data or performing a verification operation with the authenticator data can do.

The image obtaining unit 155 periodically reads the bitmap data obtained through the camera unit 125 and detects image data including a code image area in which binary data is coded according to a predetermined encoding scheme . Here, the code image region is a region in which a two-dimensional code image obtained by coding binary data by arranging points (planes) on a two-dimensional coordinate plane according to a predetermined encoding method is displayed.

When image data including a code image area is obtained through the image obtaining unit 155, the image reading unit 160 reads the code image area from the image data, and then normalizes the code image area. do. That is, most of the code image regions included in the image data obtained through the image obtaining unit 155 are obtained in a form difficult to read through a two-dimensional coordinate plane formed of orthogonal axes. For example, the code image region can be obtained in a slanting manner in an oblique direction. Accordingly, the image reading unit 160 reads the two-dimensional coordinate system of the code image area based on the three-dimensional coordinate system having the x-axis of the CCD plane of the camera and the z- coordinate transformation is performed so as to coincide with the xy plane to normalize the code image region. Is defined as < [Equation (2) &quot;) normalizing the code image area.

&Lt; Equation &

When the code image region is normalized, the image reading unit 160 determines the encoding method for the code image, and then applies the encoding method to the normalized code image region to extract the encoded binary data from the code image do.

If the extracted binary data includes the authenticator data for verifying the validity of the corresponding binary data, the data verifier 165 derives verifier data corresponding to the authenticator data included in the binary data.

According to an embodiment of the present invention, the authenticator data may include check sum data for the binarization data. In this case, the data verifier 165 may convert the remaining data except for the checksum data of the binarization data into the binarization data The validator data corresponding to the authenticator data can be derived by applying the rule to the checksum generation rule for the data.

According to another embodiment of the present invention, the authenticator data may include an authentication value inserted into the code image by the transaction requester that generated the code image. In this case, And may request and receive the verifier data corresponding to the authentication value from the server of the transaction requester.

According to another embodiment of the present invention, the authenticator data includes a pattern value (e.g., a pattern in which an array of points (faces) has a specific arrangement structure) displayed on the code image by a transaction requestor that generated the code image, In this case, the data verification unit 165 may determine the pattern value included in the code image as the verifier data corresponding to the authenticator data.

When the verifier data corresponding to the authenticator data is derived / received / determined, the data verifying unit 165 compares the verifier data with the authenticator data and verifies whether or not the verifier data matches the verifier data, The validation of the binary data is verified by judging whether a predicted result value is derived by performing a verification operation previously set on the data.

When the valid binarization data is extracted from the code image, the data extracting unit 170 reads out the extracted binarization data and selects n of the N information items included in the electronic document format (or data structure) N) pieces of transaction request data for each of the n information items.

According to an embodiment of the present invention, the data extracting unit 170 extracts transaction closing date and time data from the binary data.

In addition, when the binary data requests the account transfer transaction, the data extraction unit 170 may extract the deposited bank code data, the deposit account number data, and the deposit request amount data from the binary data, The detailed information of the deposit request for the account transfer transaction can be further extracted.

In addition, when the binary data requests the bill payment transaction, the data extracting unit 170 may extract at least one of the giro number data and the electronic payment number data from the binarization data, More detailed information on payment of bills on payment transactions can be extracted.

If N '(N' &lt; N) transaction request data necessary for processing at least one transaction among the N information items included in the electronic document format (or data structure) is not extracted from the binary data, The receiving unit 175 receives (N'-n) pieces of information items included in the transaction request electronic document from the code image server 400 storing (N'-n) transaction request data among the N ' Transaction request data can be received. Here, the server information for the code image server 400 storing the (N'-n) transaction request data may be extracted from the code image, or may be stored and held in the memory unit 145 .

Referring to FIG. 1, the wireless terminal 100 generates N '(N'? N) information items necessary for processing at least one transaction among the N information items from binary data extracted from the image data An electronic document generation unit 180 for generating a transaction request electronic document by substituting the N 'pieces of information item transaction request data into the electronic document format (or data structure) An electronic document storage unit (185) for storing the requested electronic document in an electronic document storage area allocated to the memory unit (145); and a transaction completion date and time included in at least one transaction request electronic document stored in the electronic document storage area (M &gt; = 1) transaction requesting electronic documents that have reached a predetermined time limit before the closing of the transaction by comparing the transaction deadline and the current date and time, And a worker 190, and a message output unit 195 to output by constructing a transaction request message for the M number of the transaction request confirmation e-document.

N 'pieces of transaction request data are extracted from the code image through the data extracting unit 170 or the n data item transaction request data is extracted through the data extracting unit 170 (N'-n) pieces of transaction request data are received through the electronic document generating unit 180, the electronic document generating unit 180 converts the N 'pieces of information item transaction request data into an electronic document format (or data The electronic document storage unit 185 stores the generated transaction request electronic document in the electronic document storage area allocated to the memory unit 145. [

The generated transaction request electronic document is stored in the electronic document storage area until the transaction closing date and time included in the transaction request electronic document. The electronic document storage unit 185 stores the transaction request electronic document, The transaction corresponding to the transaction request electronic document is scheduled to be generated before.

After at least one transaction requesting electronic document is stored in the electronic document storage area, the electronic document checking unit 190 periodically confirms a transaction closing date and time included in at least one transaction request electronic document stored in the electronic document storage area (M &gt; = 1) transaction requesting electronic documents that have reached a predetermined period before the closing of the transaction by comparing the current date and time confirmed through the timer of the wireless terminal 100 with the transaction closing date and time, The output unit 195 constructs and outputs a transaction request message requesting to process a transaction for the M transaction requesting electronic document information.

Here, the transaction request message may include a screen message including at least one video data of characters, images, and moving images output through the screen output unit 110, and a buzzer, a sound source, and a sound output through the sound processing unit 115 And a sound message including at least one audio data of a moving picture.

FIG. 2 is a diagram illustrating a functional configuration of a wireless terminal 100 that processes a transaction through a transaction request electronic document scheduled according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a functional configuration for processing a transaction corresponding to a transaction request electronic document stored in an electronic document storage area of the wireless terminal 100 shown in FIG. 1. In the technical field of the present invention Those skilled in the art will be able to refer to and / or modify FIG. 2 to derive various implementations of the functionality of the wireless terminal 100, but the invention is not limited thereto And the technical features thereof are not limited only by the method shown in FIG. For convenience of description, a functional unit implemented in the form of program code for implementing the present invention will be described in the control unit 105 of FIG. 1.

Referring to FIG. 2, the wireless terminal 100 includes a list display unit 200 for displaying a list of the M transaction request electronic documents, m (1? M? M) When the electronic document to be displayed is selected, an electronic document output unit 205 for outputting transaction request data for N 'information items included in the m selected display target electronic documents on the screen.

After the transaction request message is output through the message output unit 195 of FIG. 1, if the transaction request message check command is input, the list display unit 200 displays M transactions And outputs the requested electronic document list through the screen output unit 110.

If m (1? M? M) number of display target electronic documents are selected from the list of M transaction request electronic documents output through the key input unit 120, the electronic document output unit 205 outputs the selected m N 'pieces of transaction request data for each information item included in the electronic document to be displayed are output through the screen output unit 110.

According to the first embodiment of the present invention, the N 'pieces of transaction request data included in the transaction request electronic document may include a deposit bank code for account transfer, a deposit account number, and a deposit request amount.

Referring to FIG. 2 according to the first embodiment, when the transaction target electronic documents m '(1? M'? M) among the M transaction request electronic documents are determined, A transaction information extracting unit 210 for extracting a deposit bank code, a deposit account number and a deposit request amount from the transaction target electronic documents, Inputting the extracted m 'deposit bank code into the m' deposit bank code item, inputting the extracted m 'deposit account number into the m' deposit account number item, An interface output unit 215 for inputting the extracted m 'deposit request amount into the transaction amount item m', and an interface output unit 215 for transferring the account transfer number m 'through the m' deposit bank code, the deposit account number, The banking processing unit 220 that processes below may be further provided.

When m 'number of transaction target electronic documents among the M transaction request electronic documents that have reached the predetermined deadline before the closing of the transaction are determined, the transaction information extracting unit 210 extracts the transaction request electronic document from the m' The deposit bank code, the deposit account number, and the deposit request amount necessary for the transaction through the payment terminal.

When the m 'deposit bank code, the deposit account number, and the deposit request amount are extracted from the m' transaction request electronic documents, the interface output unit 215 outputs the m 'deposit bank code item, the deposit account number item, And outputs a banking interface screen including a money item.

According to an embodiment of the present invention, the interface output unit 215 may directly output the banking interface screen through the screen output unit 110. [

According to another embodiment of the present invention, when a banking program is provided in the wireless terminal 100, the interface output unit 215 determines a banking program to process a transaction corresponding to the transaction request electronic document, . If the banking program is activated, the interface output unit 215 transmits the banking program via the at least one inter-process communication protocol (for example, inter-process message exchange, memory sharing, file sharing) A banking interface screen including an item, a deposit account number item, and a transaction amount item.

When the banking interface screen is output, the interface output unit 215 inputs the extracted m 'banking bank codes into the m' banking bank code items included in the banking interface screen, and the m ' The deposit account number of the extracted m 'is inputted to the number item, and the extracted deposit request amount of m' is input to the m 'transaction amount item.

According to one embodiment of the present invention, when the interface output unit 215 directly outputs the banking interface screen, the interface output unit 215 corresponds to m 'banking bank code items included in the banking interface screen , Depositing the m 'depositing bank code into a variable corresponding to m' depositing account number items, substituting the m 'depositing account number into a variable corresponding to m' depositing account number items, 'Deposit amount requested.

According to another embodiment of the present invention, when the banking interface screen is output through a banking program provided in the wireless terminal 100, the interface output unit 215 outputs the banking interface screen through the at least one inter- And the m 'deposit bank code, the deposit account number, and the deposit request amount are transmitted to the banknote interface screen through the banking program, The deposit bank code is substituted, the m 'deposit account number is substituted into the variable corresponding to the m' deposit account number item, and the m 'deposit request amount is substituted into the variable corresponding to the m' transaction amount items .

When the banking interface unit 220 is implemented in the same program code as the interface output unit 215, the banking interface unit 215 directly outputs the banking interface screen according to an embodiment of the present invention, The processing unit 220 can process the account transfer transaction m 'for each m' transaction request electronic document through the m 'deposit bank code, the deposit account number, and the deposit request amount.

According to another embodiment of the present invention, the interface output unit 215 directly outputs the banking interface screen, but the account transfer transaction for the deposit bank code, deposit account number and deposit request amount of m ' 100, the banking processing unit 220 sequentially transmits the deposit bank code, the deposit account number, and the deposit request amount to the banking program through at least one inter-process communication in sequence , And can process the account transfer transaction m 'for each of the m' transaction request electronic documents through the m 'deposit bank code, the deposit account number, and the deposit request amount.

According to another embodiment of the present invention, when the banking interface screen is output through a banking program provided in the wireless terminal 100, the banking processing unit 220 is implemented in the banking program.

According to another embodiment of the first embodiment, the interface output unit 215 outputs a first banking interface screen including a deposit bank code item, a deposit account number item, and a transaction amount item, Inputting the first deposit bank code among the extracted deposit bank codes into the deposit bank code item of the screen, inputting the first deposit account number into the deposit account number item, The process of inputting the requested amount can be repeated to the m'th banking interface screen.

According to the second embodiment of the present invention, the transaction request data for each of N 'information items included in the transaction request electronic document may include at least one giro number and electronic payment number for the utility payment transaction.

Referring to FIG. 2 according to the second embodiment, when the m '(1? M'? M) transaction target electronic documents among the M transaction request electronic documents are determined, A transaction information extracting unit 210 for extracting a giro number and an electronic payment number from the transaction target electronic documents, a banking interface screen including at least one m 'number of giro number items and electronic payment number items, An interface output unit 215 for inputting the extracted m 'number of giro numbers into the' giro number 'item and inputting the extracted m' electronic payment numbers to the m 'electronic payment number items, and the m' And a banking processing unit 220 for processing the payment of utility bills m 'through the electronic number and the electronic payment number.

When m 'number of transaction target electronic documents among the M transaction request electronic documents that have reached the predetermined deadline before the closing of the transaction are determined, the transaction information extracting unit 210 extracts the transaction request electronic document from the m' Extracts the m 'number of giro number and electronic payment number necessary for the transaction through.

When m 'number of giro number and electronic payment number are extracted from the m' transaction request electronic documents, the interface output unit 215 outputs a banking interface screen including at least one m 'number of giro number items and electronic payment number items .

According to an embodiment of the present invention, the interface output unit 215 may directly output the banking interface screen through the screen output unit 110. [

According to another embodiment of the present invention, when a banking program is provided in the wireless terminal 100, the interface output unit 215 determines a banking program to process a transaction corresponding to the transaction request electronic document, . If the banking program is activated, the interface output unit 215 outputs the m 'number of giro number items to the banking program through at least one inter-process communication protocol (for example, inter-process message exchange, memory sharing, And an electronic payment number item on the banking interface screen.

When the banking interface screen is output, the interface output unit 215 inputs the extracted m 'number of g' to the m 'number of giro number included in the banking interface screen, And inputs the extracted m 'electronic payment numbers.

When the interface output unit 215 directly outputs the banking interface screen according to an embodiment of the present invention, the interface output unit 215 outputs the banking interface screen corresponding to m 'number of giro number included in the banking interface screen Substituting the m 'number of electronic payment numbers into the variable, and assigning the m' electronic payment numbers to the variable corresponding to m 'electronic payment number items.

According to another embodiment of the present invention, when the banking interface screen is output through a banking program provided in the wireless terminal 100, the interface output unit 215 outputs the banking interface screen through the at least one inter- The m 'number and the electronic payment number are transferred to the banking interface screen, the m' number of the m 'number is substituted into the variable corresponding to the m' number of the giro number included in the banking interface screen output through the banking program, m 'electronic payment numbers into a variable corresponding to m' electronic payment number items.

When the banking interface unit 220 is implemented in the same program code as the interface output unit 215, the banking interface unit 215 directly outputs the banking interface screen according to an embodiment of the present invention, The processing unit 220 can process payment of utility bill m 'for each m' transaction request electronic document through the m 'number of giro number and electronic payment number.

According to another embodiment of the present invention, the interface output unit 215 directly outputs the banking interface screen, but the utility bill payment transaction for the m 'number of giro number and the electronic payment number is performed in the wireless terminal 100 When processing through the banking program, the banking processing unit 220 sequentially transmits the m 'number and the electronic payment number to the banking program through the at least one inter-process communication to sequentially transmit the m' It is possible to process payment transactions of m 'bill for each m' transaction request message by payment number.

According to another embodiment of the present invention, when the banking interface screen is output through a banking program provided in the wireless terminal 100, the banking processing unit 220 is implemented in the banking program.

According to another embodiment of the second embodiment, the interface output unit 215 outputs a first banking interface screen including at least one item of a giro number item and an electronic payment number item, The process of inputting the first number among the m 'number of extracted g' numbers in the number item and inputting the first electronic payment number in the electronic payment number item may be repeated to the m'th banking interface screen.

FIG. 3 is a diagram illustrating a functional configuration of a wireless terminal 100 that automates the scheduling of a transaction request message according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a functional configuration in which a transaction request electronic document is securely generated based on image data obtained through a camera of the wireless terminal 100 shown in FIG. 1 and is stored in an electronic document storage area It will be appreciated that those skilled in the art will be able to conceive of various embodiments of the functionality of the wireless terminal 100 with reference to and / And the technical features thereof are not limited only by the method shown in FIG. For convenience of description, a functional unit implemented in the form of program code for implementing the present invention will be described in the control unit 105 of FIG. 1.

According to the first embodiment of the present invention, after storing the storage history information of the transaction request electronic document stored in the electronic document storage area of the memory unit 145 in the wireless terminal 100, It is possible to securely process the process of generating the transaction request electronic document by comparing n transaction request data included in the binarization data extracted from the image data obtained through the storage history information with the transaction request data included in the storage history information .

3, when the transaction request electronic document is stored in the electronic document storage area of the memory unit 145, the wireless terminal 100 transmits the transaction request electronic document And a history storage unit 300 for storing and storing storage history information including a deposit bank code and a deposit account number, and further includes a history storage unit 300 for storing N '(N') based on the newly obtained binarization data through the image acquisition unit 155, A history checking unit 305 for checking whether the deposit bank code and the deposit account number included in the confirmed N 'transaction request data are included in the stored history information, Displaying deposit request detail information of the transaction request data when the deposit bank code and the deposit account number of the transaction request data are not included in the storage history information, The electronic document storage unit (185) further includes a storage acceptance unit (310) for displaying an interface for determining whether or not to store a transaction request electronic document including the transaction request data, wherein the electronic document storage unit (185) And stores the transaction request electronic document in the electronic document storage area if the deposit account number is included in the storage history information or the storage of the transaction request data is approved.

If the transaction request electronic document is stored in the electronic document storage area of the memory unit 145, the history storage unit 300 confirms / extracts the deposit bank code and the deposit account number included in the transaction request electronic document, Stores the deposit history information including the deposit bank code and the deposit account number in the memory unit 145.

Herein, the storage history information may be automatically or manually set to a valid period of a predetermined period, and the history storage unit 300 maintains the storage history information during the valid period. The storage history information can be erased / changed by the user.

After the storage history information is stored and N '(N'? N) transaction request data are confirmed based on the newly obtained binary data through the image acquisition unit 155, the history checking unit 305 Extracts the deposit bank code and the deposit account number from the transaction request electronic document included in the confirmed N 'transaction request data, extracts the deposit bank code and the deposit account number of the transaction request data, The bank code and the deposit account number are compared with each other to check whether there is matching storage history information.

If the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request data do not match the deposit bank code and the deposit account number of the storage history information, Displays the deposit request detail information of the request data, and displays an interface for determining whether or not to store the transaction request electronic document including the transaction request data.

If the storage of the transaction request data is determined through the interface, the electronic document storage unit 185 stores the transaction request electronic document in the electronic document storage area, and the history storage unit 300 stores the stored transaction And stores it in the memory unit 145. The storage history information includes the deposit bank code of the requested electronic document and the deposit account number.

On the other hand, if the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request data match the deposit bank code and the deposit account number of the storage history information, the electronic document storage unit 185 stores a separate Stores the transaction request electronic document in the electronic document storage area without storing approval, and the history storage unit (300) configures the storage history information including the deposit bank code and the deposit account number of the stored transaction request electronic document, (145).

3, when the transaction request electronic document is stored in the electronic document storage area of the memory unit 145, the wireless terminal 100 transmits the transaction request electronic document And a history storage unit (300) for storing and storing storage history information including at least one of transaction requester identification information and communication number of the deposit request detailed information, and the history storage unit (300) (N '&lt; N) transaction request data is confirmed based on the received transaction request data, whether or not the transaction requester identification information (or communication number) included in the identified N' transaction request data is included in the stored history information And a history information storage unit (305) for storing transaction history information of the transaction request data Further comprising a storage acceptance unit (310) for displaying the deposit request detail information of the transaction request data and displaying an interface for determining whether to store the transaction request electronic document including the transaction request data, wherein the electronic document storage unit 185) stores the transaction request electronic document in the electronic document storage area if the transaction requester identification information (or communication number) of the transaction request data is included in the storage history information or the storage of the transaction request data is approved .

When the transaction request electronic document is stored in the electronic document storage area of the memory unit 145, the history storage unit 300 stores the transaction requester identification information of the deposit request detail information included in the transaction request electronic document, (Or communication number), and stores the information in the memory unit 145. The storage history information may be automatically / manually set to a valid period have.

After the storage history information is stored and N '(N'? N) transaction request data are confirmed based on the newly obtained binary data through the image acquisition unit 155, the history checking unit 305 (Or communication number) from the transaction request electronic document included in the confirmed N 'transaction request data, extracts the transaction requester identification information (or communication number) of the transaction request data and the storage history information The transaction requester identification information (or communication number) included in the transaction requester identification information is compared with each other to determine whether there is matching storage history information.

If the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request data does not match the transaction requester identification information (or communication number) of the storage history information, ) Displays the deposit request detail information of the transaction request data and displays an interface for determining whether to store the transaction request electronic document including the transaction request data.

If the storage of the transaction request data is determined through the interface, the electronic document storage unit 185 stores the transaction request electronic document in the electronic document storage area, and the history storage unit 300 stores the stored transaction (Or communication number) of the requesting electronic document, and stores it in the memory unit 145. The memory unit 145 stores the history history information including the transaction requester identification information (or the communication number) of the requested electronic document.

If the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request data matches the transaction requester identification information (or communication number) of the storage history information, the electronic document storage 185 ) Stores the transaction request electronic document in the electronic document storage area without separate storage approval, and the history storage unit 300 stores the transaction request identification information (or communication number) of the stored transaction request electronic document And stores the history information in the memory unit 145.

According to the second embodiment of the present invention, transaction history information on a transaction request electronic document provided in the deposit transaction among the transaction request electronic document stored in the electronic document storage area is stored, and then the image acquired through the camera unit 125 The process of generating the transaction request electronic document by comparing n transaction request data included in the binarization data extracted from the data with the transaction request data included in the storage history information can be safely and error-free.

Referring to FIG. 3 according to the second embodiment, when a payment transaction is provided through a transaction request electronic document stored in the electronic document storage area, the wireless terminal 100 transmits a deposit And a history storage unit (300) for storing and storing transaction history information including a bank code and a deposit account number. The image processing apparatus according to claim 1, further comprising a history storage unit (300) A history checking unit 305 for checking whether the deposit bank code and the deposit account number included in the confirmed N 'pieces of transaction request data are included in the transaction history information, If the deposit bank code and the deposit account number of the request data are not included in the transaction history information, And a storage acceptance unit (310) for displaying an interface for determining whether or not to store a transaction request electronic document including the transaction request data, wherein the electronic document storage unit (185) And stores the transaction request electronic document in the electronic document storage area if the bank code and the deposit account number are included in the transaction history information or the storage of the transaction request data is approved.

A payment request contained in any one of the transaction request electronic documents stored in the electronic document storage area through the banking processing unit 220 (or the wireless banking program associated with the interface output unit 215) The history storage unit 300 confirms / extracts the deposit bank code and the deposit account number included in the transaction request electronic document provided with the deposit transaction, and stores the deposit bank code and the deposit account number including the deposit bank code and the deposit account number And stores the transaction history information in the memory unit 145.

Here, the transaction history information may be automatically / manually set to a valid period of a certain period, and the history storage unit 300 maintains the transaction history information during the valid period. The transaction history information can be erased / changed by the user.

After the transaction history information is stored and N '(N'? N) transaction request data are identified based on the newly obtained binary data through the image acquisition unit 155, the history checking unit 305 Extracts the deposit bank code and the deposit account number from the transaction request electronic document included in the confirmed N 'transaction request data, extracts the deposit bank code and the deposit account number of the transaction request data, The bank code and the deposit account number are compared to check whether there is matching transaction history information.

If the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request data do not match the deposit bank code and the deposit account number of the transaction history information, Displays the deposit request detail information of the request data, and displays an interface for determining whether or not to store the transaction request electronic document including the transaction request data.

If the storage of the transaction request data is determined through the interface, the electronic document storage unit 185 stores the transaction request electronic document in the electronic document storage area, and the history storage unit 300 stores the stored transaction And stores the transaction history information including the deposit bank code and the deposit account number of the requested electronic document in the memory unit 145. [

If the deposit bank code and the deposit account number identified / extracted from the transaction request electronic document of the transaction request data coincide with the deposit bank code and the deposit account number of the transaction history information, the electronic document storage unit 185 stores a separate Stores the transaction request electronic document in the electronic document storage area without storing approval, and the history storage unit (300) configures transaction history information including the deposit bank code and the deposit account number of the stored transaction request electronic document, (145).

Referring to FIG. 3 according to the second embodiment, when a payment transaction is provided through a transaction request electronic document stored in the electronic document storage area, the wireless terminal 100 transmits a deposit And a history storage unit (300) configured to store and store transaction history information including at least one of transaction requester identification information and a communication number of the request detailed information, wherein the history storage unit (300) (N '&lt; N) transaction request data is confirmed based on the transaction history information, it is checked whether the transaction requester identification information (or communication number) included in the identified N' transaction request data is included in the transaction history information A history checking unit 305 for determining whether or not the transaction requester identification information (or communication number) of the transaction request data is included in the transaction history information Further comprising a storage acceptance unit (310) for displaying the deposit request detailed information of the transaction request data and displaying an interface for determining whether to store the transaction request electronic document including the transaction request data, If the transaction requester identification information (or communication number) of the transaction request data is included in the transaction history information or the storage of the transaction request data is approved, the storage unit 185 stores the transaction request electronic document in the electronic document And stores it in the storage area.

A payment request contained in any one of the transaction request electronic documents stored in the electronic document storage area through the banking processing unit 220 (or the wireless banking program associated with the interface output unit 215) If the deposit transaction of the amount is provided, the history storage unit 300 confirms / extracts at least one of the transaction requester identification information and the communication number of the deposit request detailed information included in the transaction request electronic document provided with the deposit transaction, The transaction history information including the identification information (or the communication number) is constructed and stored in the memory unit 145, and the validity period of the transaction history information can be automatically / manually set.

After the transaction history information is stored and N '(N'? N) transaction request data are identified based on the newly obtained binary data through the image acquisition unit 155, the history checking unit 305 (Or communication number) from the transaction request electronic document included in the confirmed N 'pieces of transaction request data, extracts the transaction requester identification information (or communication number) of the transaction request data and the transaction history information The transaction requester identification information (or communication number) contained in the transaction history information is compared with each other to determine whether there is transaction history information that matches.

If the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request data does not match the transaction requester identification information (or communication number) of the transaction history information, ) Displays the deposit request detail information of the transaction request data and displays an interface for determining whether to store the transaction request electronic document including the transaction request data.

If the storage of the transaction request data is determined through the interface, the electronic document storage unit 185 stores the transaction request electronic document in the electronic document storage area, and the history storage unit 300 stores the stored transaction And stores the transaction history information including the transaction requester identification information (or the communication number) of the requested electronic document in the memory unit 145.

If the transaction requester identification information (or communication number) identified / extracted from the transaction request electronic document of the transaction request data matches the transaction requester identification information (or communication number) of the transaction history information, the electronic document storage 185 ) Stores the transaction request electronic document in the electronic document storage area without separate storage approval, and the history storage unit (300) stores the transaction request identification information (or communication number) of the stored transaction request electronic document And stores the history information in the memory unit 145.

FIG. 4 is a diagram illustrating a configuration of a banking system for processing a transaction through a transaction request electronic document scheduled according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a process of generating at least one transaction request electronic document based on binarization data extracted from image data obtained through the camera unit 125 of the wireless terminal 100 shown in FIG. 1, FIG. 2 illustrates a system configuration for scheduling in the terminal 100 and processing non-facing wireless banking for the scheduled at least one transaction request message.

According to the present invention, the banking system includes a wireless terminal 100 having the functional configurations shown in FIGS. 1 to 3, and a terminal 100 for processing the (N'-n) A code image server 400 for providing request data, and a banking server 405 for processing non-face wireless banking for each transaction request electronic document requested from the wireless terminal 100. For example, when the code image requests a bills payment transaction, the code image server 400 is provided with a billing institution (or a bills collection institution associated with the billing institution) printing the code image on the bill paper Server.

FIG. 5 is a diagram illustrating a process of scheduling transaction request electronic documents according to an embodiment of the present invention.

5 illustrates a process of generating a transaction request electronic document including a transaction deadline based on image data obtained through the camera unit 125 and storing the transaction request electronic document in the electronic document storage area of the wireless terminal 100 Those skilled in the art will be able to refer and / or modify FIG. 5 to illustrate various ways of performing the scheduling process of the transaction request message (e.g., some steps may be omitted, However, the present invention is not limited to the above-described embodiments, and it is to be understood that the invention is not limited to the disclosed embodiments.

5, the electronic document storage unit 150 of the wireless terminal 100 shown in FIG. 1 stores N (N> 1) information items included in a transaction request electronic document to be stored in the electronic document storage area (Or data structure) of the electronic document format (or data structure) for the electronic document format (or data structure) is maintained (500) The image data including the encoded code image area is acquired (505).

If the image data including the code image area is obtained (505), the image reading unit 160 normalizes the code image area of the image data, extracts the binary data encoded in the code image 515), the data extracting unit 170 reads the binarization data and extracts n pieces of transaction request data for each n information items of n information items (1? N? N) among the N information items (520) (525) whether N '(N'? N) transaction request data necessary for processing at least one transaction among the N information items is extracted from the binary data.

If the N'th transaction request data is not extracted from the binarization data at step 530, the data receiving unit 175 receives N'-n items of information items to be included in the transaction request electronic document from the code image server 400, And receives the unique transaction request data (535).

On the other hand, when the N 'number of transaction request data is extracted (530) from the binarization data or the (N'-n) transaction request data is received from the code image server 400, (Step 535), the electronic document generating unit 180 substitutes the N 'pieces of information item transaction request data into the electronic document format (or data structure) to generate a transaction request electronic document including a transaction deadline 540).

If the transaction request electronic document is generated (545), the electronic document storage unit 185 stores the generated transaction request electronic document in the electronic document storage area and performs scheduling (550).

FIG. 6 is a diagram illustrating a process of checking a scheduled transaction request electronic document according to an embodiment of the present invention.

FIG. 6 illustrates a process of confirming a scheduled transaction request electronic document through the process shown in FIG. 5. Referring to FIG. 6, if a person skilled in the art is familiar with the present invention, (For example, omitting some steps or changing the order) for the process of confirming and / or modifying the transaction-requested electronic document, the present invention can be applied to all the methods And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 6, at least one transaction request electronic document including a transaction closing date and time is stored through the process shown in FIG. 5, and the electronic document check unit 190 checks at least one (M &gt; = 1) transaction requesting electronic documents that have reached a predetermined time limit before the closing of the transaction by comparing the closing date and time of the transaction with the current date and time 600).

If the M transaction requesting electronic documents are confirmed (605), the message output unit (195) constructs and outputs a transaction request message for the M transaction requesting electronic documents (610).

The list display unit 200 confirms whether the M transaction requesting electronic document list is requested to be displayed in response to the transaction request message output (615).

If the list of M transaction requesting electronic documents is requested 620, the list display unit 200 displays the list of M transaction requesting electronic documents identified, and m (1? M? M) display object electronic documents are selected (625).

If the m number of display target electronic documents are selected (630), the electronic document output unit 205 outputs N 'pieces of transaction request data for each information item included in the selected m number of display target electronic documents (635 ).

FIG. 7 is a diagram illustrating a transaction process through a scheduled transaction request electronic document according to an embodiment of the present invention.

In more detail, FIG. 7 is a flowchart illustrating a method of processing m '(1? M'? M) transactions among M transaction requesting electronic documents that have reached a predetermined time before closing a transaction among transaction request electronic documents scheduled through the process shown in FIG. It is a process of processing a transaction for each electronic document by using a deposit bank code, a deposit account number, and a deposit request amount included in a target electronic document. If the person skilled in the art is familiar with the present invention, Referring to and / or modifying FIG. 7, it will be appreciated that various implementations of the transaction process (e. G., Omissions or alterations of the order) may be inferred from the transaction request electronic document, And all the methods to be inferred, and the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, after at least one transaction request electronic document including a transaction deadline date is stored through the process shown in FIG. 5, the transaction information extracting unit 210 extracts, In step 700, it is determined whether m '(1? M'? M) transaction target electronic documents among the M transaction request electronic documents that have reached the predetermined deadline before closing the transaction among the scheduled transaction request electronic documents are determined.

If m 'transaction target electronic documents are determined 705, the transaction information extracting unit 210 extracts a bank code, a transfer account number and a deposit request amount from the m' transaction target electronic documents 710, , The interface output unit 215 outputs a banking interface screen including the deposit bank code item, the deposit account number item and the transaction amount item (715), and then displays the banking interface code on the banking interface screen, the deposit account number The deposit bank code, the deposit account number, and the deposit request amount are automatically input m '(720).

The banking processing unit 220 connected to the banking interface screen displays whether each transaction information is manually input for at least one transaction information item (for example, a withdrawal bank code, a withdrawal account number, a transaction password, etc.) included in the banking interface screen (725). When the transaction information is manually inputted (730), the m &apos; transaction information is matched with the automatically input m 'deposit bank code, deposit account number and deposit request amount by combining the manually input transaction information And processes electronic document-specific transactions (735).

FIG. 8 is a diagram illustrating a transaction process through a scheduled transaction request electronic document according to another embodiment of the present invention.

More specifically, FIG. 8 is a flow chart illustrating an example of m '(1? M'? M) transactions among the M transaction request electronic documents that have reached the predetermined deadline before closing the transaction among the transaction request electronic documents scheduled through the process shown in FIG. A process of processing a transaction for each electronic document by using a giro number and an electronic payment number included in a target electronic document. Those skilled in the art will be able to refer to FIG. 8 and FIG. (E.g., omitting some steps or changing the order) of the transaction process through the transaction request electronic document, the present invention can be applied to all the methods And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 8, after at least one transaction request electronic document including a transaction deadline date is stored through the process shown in FIG. 5, the transaction information extracting unit 210 extracts, In step 800, it is determined whether m '(1? M'? M) transaction target electronic documents among the M transaction request electronic documents that have reached the predetermined deadline before closing the transaction among the scheduled transaction request electronic documents are determined.

If m 'transaction target electronic documents are determined (805), the transaction information extracting unit 210 extracts a giro number and an electronic payment number from the m' transaction target electronic documents (810) The controller 215 outputs a banking interface screen including the giro number item and the electronic payment number item (815), and displays the giro number and electronic payment number in the giro number item and electronic payment number item of the banking interface screen as m (820).

The banking processing unit 220 connected to the banking interface screen displays whether each transaction information is manually input for at least one transaction information item (for example, a withdrawal bank code, a withdrawal account number, a transaction password, etc.) included in the banking interface screen (825). If the transaction information is manually inputted (830), it combines the manual input transaction information, the automatically inputted m 'number of giro number and the electronic payment number, (835).

9 is a diagram illustrating a process of automating the scheduling of a transaction request electronic document through a storage history according to an embodiment of the present invention.

In more detail, FIG. 9 shows the configuration of storing history information for storing the transaction request electronic document every time a transaction request electronic document is stored in the electronic document storage area, Automatically generating a transaction request electronic document including the extracted transaction request data and storing the same in the electronic document storage area when the transaction request data identical to the transaction request data included in the storage history information is extracted from the data Those skilled in the art will be able to refer and / or modify FIG. 9 to illustrate various implementations of the scheduling automation process (e.g., some steps may be omitted, However, the present invention can be applied to all of the above-mentioned analogous methods And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 9, when a transaction request electronic document is stored in an electronic document storage area, the history storage unit 300 constructs and stores storage history information for a transaction request electronic document stored in the electronic document storage area 900 ).

After the history information on at least one transaction request electronic document stored in the electronic document storage area is stored through the history storage unit 300, If it is determined in step 905 that N 'pieces of transaction request data are determined through the acquired image data, if the N' pieces of transaction request data are confirmed in step 910, (915).

If the N 'pieces of transaction request data are included in the storage history information (920), the electronic document generation unit 180 generates an electronic document including the N' pieces of transaction request data (925) The electronic document storage unit 185 stores the generated transaction request electronic document in the electronic document storage area (930).

On the other hand, if the N 'number of transaction request data is not included in the storage history information (920), the storage acceptance unit 310 determines whether to store the transaction request electronic document including the N' pieces of transaction request data The interface is outputted 935 and if the storing of the transaction request data is determined through the interface 940, the electronic document generating unit 180 generates an electronic document including the N 'transaction request data 925), and the electronic document storage unit 185 stores the generated transaction request electronic document in the electronic document storage area (930). If it is determined that the transaction request data is not stored through the interface 940, the storage acceptance unit 310 deletes the N 'transaction request data (945).

FIG. 10 is a diagram illustrating a process of automating the scheduling of a transaction request electronic document through a transaction history according to another embodiment of the present invention.

More specifically, FIG. 10 constitutes and stores transaction history information for a transaction through the transaction request electronic document each time a transaction for a transaction request electronic document stored in the electronic document storage area is processed, When the same transaction request data as the transaction request data included in the transaction history information is extracted from the image data obtained through the transaction history information, the transaction request electronic document including the extracted transaction request data is automatically generated and stored in the electronic document storage area Those skilled in the art will appreciate that various modifications and variations of the method of scheduling automation (e.g., some of the steps may be omitted) Or a change in order), it is possible to deduce Said composed, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 10.

Referring to FIG. 10, when a transaction for a transaction request electronic document stored in an electronic document storage area is processed, the history storage unit 300 constructs and stores transaction history information on the transaction request electronic document in which the transaction occurred, .

After the transaction history information for at least one transaction request electronic document in which the transaction has occurred is stored through the history storage unit 300, the history checking unit 305 checks the history data of the image data newly acquired through the image obtaining unit 155 (Step 1005). If the N 'number of transaction request data is confirmed (step 1010), it is determined whether N' number of transaction request data is included in the transaction history information (1015).

If the N 'transaction request data is included in the transaction history information (1020), the electronic document generation unit 180 generates an electronic document including N' transaction request data (1025) The electronic document storage unit 185 stores the generated transaction request electronic document in the electronic document storage area (1030).

On the other hand, if N 'transaction request data is not included in the transaction history information (1020), the storage acceptance unit 310 determines whether to store the transaction request electronic document including the N' transaction request data The interface is outputted 1035 and when the storing of the transaction request data is decided through the interface 1040, the electronic document generating unit 180 generates an electronic document including the N 'transaction request data 1025), and the electronic document storage unit 185 stores the generated transaction request electronic document in the electronic document storage area (1030). On the other hand, if the storage of the transaction request data is not determined through the interface 1040, the storage acceptance unit 310 deletes the N 'pieces of transaction request data (1045).

100: wireless terminal 150: electronic document holding unit
155: image obtaining unit 160: image reading unit
165: data verification unit 170: data extraction unit
175: Data receiving unit 180: Electronic document generating unit
185: electronic document storage unit 190: electronic document confirmation unit
195: message output unit 200: list display unit
205: electronic document output unit 210: transaction information extracting unit
215: interface output unit 220: banking processing unit
300: history storing unit 305: history checking unit
310:

Claims (8)

A method of performing at a wireless terminal of a user,
A first step of generating or confirming a transaction request electronic document including a transaction deadline;
A second step of storing the transaction request electronic document in a designated storage area of the memory unit;
The M &lt; RTI ID = 0.0 &gt; (1) &lt; / RTI &gt; number of transaction request electronic documents that have reached the predetermined deadline before the transaction deadline among the stored transaction request electronic documents are checked A third step;
A fourth step of configuring and outputting a transaction request message requesting to process transactions generated based on the electronic document when M transaction requesting electronic documents reaching a predetermined period before the transaction deadline are confirmed;
Among the M transaction requesting electronic documents that have reached the predetermined time period before the transaction deadline, based on the user's selection of the transaction request message, determines m '(1? M'? M) transaction target electronic documents to process the transaction 5 &lt; th &gt; And
And a sixth step of extracting m 'pieces of transaction information from the determined m' transaction target electronic documents and processing m 'transactions generated based on the electronic document. Transaction Scheduling Method.
The method of claim 1,
Wherein the payment request amount includes a deposit request amount requested by a transaction requester.
3. The method of claim 2,
And further comprising the deposit bank information and the deposit account number of the transaction requester.
3. The method of claim 2,
Wherein the transfer request further includes deposit request detail information that the transaction requester inputs to request a deposit transaction.
The method of claim 1,
Wherein the generated image is generated using encoded data in an image obtained through a camera of the wireless terminal.
The method as claimed in claim 1,
Displaying a list of M transaction request electronic documents based on a user's selection of the transaction request message; And
Among the M transaction request electronic documents displayed in the list, N '(N'&gt; = 1) pieces of information included in m (1? M? M) transaction request electronic documents selected for screen display are displayed on the screen And determining m 'transaction target electronic documents to be selected as a transaction target.
The method as claimed in claim 1,
And automatically processing the transaction information of each item extracted from the electronic document to be traded in each transaction information item on the interface screen for processing the transaction.
delete

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