KR19990081337A - Automatic Jiro Payment Device and Method - Google Patents

Abstract

According to the present invention, when a customer makes various payments through a giro ticket, he or she passes the various cards to the card reader without paying the giro amount to the bank teller. If the balance is not sequential after checking the giro slip through the recognition unit, the giro payment can be conveniently made by automatic account transfer from the payment account of the customer's magnetic card.

Therefore, the present invention is the step of initializing the system in the initial stage, and when the system initialization is completed in the step of checking the Giro sheet entered into the Giro sheet inlet by the customer and checking the transaction balance of the customer card payment account, and When the transaction balance of the card settlement account is checked in step, it is characterized in that the step of performing the account transfer and receipt processing according to the electronic control unit sequentially.

Description

Automatic Jiro Payment Device and Method

According to the present invention, when a customer makes various payments through a giro ticket, he or she passes the various cards to the card reader without paying the giro amount to the bank teller. If the balance is not sequential after checking the giro slip through the recognition unit, the giro payment can be conveniently made by automatic account transfer from the payment account of the customer's magnetic card.

In general, a method using a giro ticket is widely adopted as a payment method such as telephone bills, electricity charges, and medical insurance premiums. Currently, payment of giro payments is processed through the following process.

In other words, when the business operator sends out the giro slip to the payer, the giro payment payer usually pays cash corresponding to the amount of giro through the bank window. In addition, the Giro slips paid with cash at the bank teller will be transferred to the KFTC for settlement. In addition, when the payment of the payment statement is completed at the KFTC, the cash corresponding to the payment statement will be remitted from the receiving bank to each workplace that is the issuing institution.

However, the payment date of giro payments is concentrated intensively for about 9 days from the 20th to the end of each month, so that customers come to the bank at the end of the giro payments at once and withdraw cash from the CD or ATM machine and reload the Giro slip at the bank window. The bank pays a lot of manpower, time, place, and money to service services rather than the financial institutions, which is a direct cause of a significant drop in productivity per employee. For this reason, active countermeasures are required for the efficient treatment of Giro sheets, which are increasing by 17% per year.

In addition, in Korea, a method of depositing cash through a nightly depositing machine is currently used. Even if there is a device that pays the giro payment in cash along with the Jiro slip, it is still impossible to exclude the risk of theft during cash transactions. .

In order to solve the above problems, the present invention, when the customer makes various payments through the Giro slip, do not pay the Giro amount to the bank window, but pass the various cards to the card reader, and then enter the Giro slip through the Giro entry slot. If you do not run out of funds in the state of checking the card balance automatically through OCR and barcode recognition unit, and the balance is not sequential, you can easily pay the bill in the form of automatic account transfer from the payment account of the customer's magnetic card. The goal is to provide customers with automated paper payment systems and methods that enable them to quickly and securely pay giro payments 24 hours a day, while reducing labor and cost and improving productivity.

1 is a schematic perspective view showing an automatic branch payment device according to the present invention,

2 is a block diagram showing the main configuration of the present invention;

Figure 3 is a flow chart showing the automatic branch payment method according to the present invention.

** Explanation of symbols on the main parts of the drawing **

10: automatic branch payment device 21: system status display

22: magnetic card reader portion 23: IC card reader portion

24: key input section 25: Giro table insertion slot

26: monitor 27: electronic control unit

28: host computer 29: server unit

30: Receipt printer for customer and backup 31: Receipt ejector

32: check mark printer unit for the storage bank 33: giro table OCR recognition unit

34: Giro ticket barcode recognition unit 35: CCD scanner unit

36: return to the giro ticket 37: speaker unit

38: Giro Book Store

In particular, the present invention provides a power supply unit for supplying power to the system so as to implement the object of the above example, a system status display unit indicating the current operating state of the system when the power supply is turned on and the system is initialized, and when the system is initialized. When the magnetic card or IC card is selectively inserted, the magnetic card and IC card reader unit that reads the card and the magnetic card reader or IC card reader unit read the card and then check the password of the customer card. Key input section through which a password and various information are input by the user, a giro entry slot through which a Giro voucher is input by a customer, a monitor which displays various types of information on the screen by the customer, the magnetic card reader unit, an IC card reader unit and a Giro The card payment account chair receives a predetermined input signal from the ticket slot. Electronic control unit for various control for transfer and branch payment processing, Server unit for transferring the account transfer information of card payment account to host computer by receiving predetermined control signal from the electronic control unit, Is entered, the GCR OCR and barcode reading unit reads the OCR and barcode of the Giro Journal, the CCD scanner unit scanning the Giro Journal, and a predetermined control signal from the electronic control unit when the balance of the customer card is insufficient. Is returned to the Giro sheet return, the customer and backup receipt printer unit for issuing a customer and backup receipt received the predetermined control signal of the electronic control unit, and when the receipt for the customer is printed Receiving outlet discharged to be received and the predetermined control signal of the electronic control unit is received Including a check mark printer unit for storing banks to print a check mark for the storage bank to the Jiro bill inserted into the giro bill inlet, and a jizo bill storage unit for storing and storing the giro sheet passed through the check mark printer unit for the storage bank sequentially. It is characterized in that the configuration.

In addition, the automatic jiro payment method of the present invention is to initialize the system at the initial stage, and when the system initialization is completed in the above step to check the giro slip inserted by the customer into the Giro ticket entry slot and to check the balance of the customer card payment account Step and, if the balance of the card payment account is checked in the step characterized in that the process of the account transfer and receipt processing according to the electronic control unit.

In particular, the system initialization may include determining whether the system power is turned on first, a system initialization step of supplying predetermined power to each part of the system when the power is turned on, and initializing the system in the step Comprising the step of connecting the server unit and the host computer in a communicable state when complete, and displaying the initial screen on the monitor when the step is completed.

In addition, the check of the balance sheet and the balance check of the card payment account may first determine whether the magnetic card or the IC card has been passed by the customer, and if it is determined that the card has been passed in the above step, the four-digit password of the card continues. Determining whether an input has been made, and if it is determined in the step that the card digit is not entered or entered incorrectly, determining whether or not a predetermined time has elapsed, and then processing the same. If it is determined by the customer whether or not the entry into the entry into the Jirojang entry, and if it is determined that the entry of the Jirojang in the step continues to recognize the OCR and barcode of the Jirojang, and continues when the step is completed Reading the document by means of a CCD; Outputting the ledger sheet to the monitor when the girdsheet is read in the system; and continuing to output the girdsheet number confirmation display screen to the monitor when the step is completed; Determining whether a number confirmation key has been entered; and determining whether the balance amount is insufficient compared to the current amount of the giro payment by inquiring the balance status of the card settlement account when the check sheet number is entered in the step. .

In addition, the automatic payment and receipt processing step of the card payment account, if it is determined that the balance of the customer card payment account is insufficient to display a display screen indicating that the balance is insufficient, the customer can continue to receive when the step is completed And discharging the receipt for the customer, and displaying the transaction display screen through the monitor when the step is completed.

Hereinafter, more specific features of the present invention will be understood by describing the same in detail with the accompanying drawings.

1 is a schematic perspective view showing an automatic branch payment machine according to the present invention.

Figure 2 is a block diagram showing the configuration of each automatic branch payment machine according to the present invention.

That is, the present invention provides a power supply unit 20 for supplying power to the system, a system state display unit 21 indicating the current operating state of the system when the power is turned on and the system is initialized, and the system is initialized. When the customer inserts the magnetic card or IC card, the magnetic card and IC card readers 22 and 23 for reading the card and the magnetic card and IC card readers 22 and 23 A key input unit 24 into which a password and various information are input by a customer after reading, a Giro ticket inlet 25 into which a Giro book is input by a customer, a monitor 26 which displays a variety of information on a screen to a customer, Electronic control unit for receiving the input signal from the magnetic card and IC card reader (22, 23) and the branch payment inlet 25 and outputs various control signals for automatic transfer of card payment account and processing of the branch payment (27), the server unit 29 for receiving a predetermined control signal from the electronic control unit 27 and transfers the account transfer information of the card payment account to the host computer 28, and the branch voucher inlet 25 When the Giro Journal is entered, the Giro Journal OCR and Barcode Recognition Units 33 and 34, which read the OCR and the Barcode of the Giro Document, the CCD scanner unit 35 for scanning the Giro Document, and the balance of payment of the customer card may be insufficient. In the case of receiving a predetermined control signal from the electronic control unit for returning the Giro table, the Giro table return port 36 and a customer for receiving a predetermined control signal from the electronic control unit 27 and the customer for issuing a backup receipt And a receipt receipt printer unit 30 for backup, a receipt discharge port 31 for discharging the customer receipt when the customer receipt is printed, and a predetermined control signal from the electronic control unit 27. Storing and storing the check mark printer portion 32 for the storing bank and printing the check mark printer portion 32 for the storing bank in sequence. It is configured to include a branch book storage unit 38.

In addition, by additionally installing the speaker 37 in the automatic branch payment device, the process of checking and checking the balance of the customer card payment account and the process of automatic account transfer and receipt processing may be voice guidance.

3 is a flowchart illustrating an embodiment of an automatic branch payment method according to the present invention.

Hereinafter, the process of processing the giro table according to the present invention will be described.

First, the manager of the automatic branch payment device 10 is to turn on the power of the power supply unit 20 so that the customer can use at any time 24 hours from this time, the electronic control unit 27 consisting of 486DX or more personal computer is turned on the system power After confirming that the automatic payment system is initialized (step 101 and step 102).

That is, the electronic control unit 27 initializes each configuration of the system and sends a predetermined control signal to the server unit 29 when the communication preparation with the host computer 28 is completed. Accordingly, the server unit 29 and the host The computer 28 is connected (step 103).

For this purpose, the installer of the automatic branch payment device must connect the server unit 29 (called 'Branch Processing unit' in the bank) to the electronic control unit 27 using RS-232C standard for communication with the host computer 28. do.

On the other hand, when the initialization of the automatic branch payment system is completed, the initial screen is displayed on the monitor 26 as follows (step 104).

Welcome to the automatic payment machine.

Insert or pass the card in the direction of the arrow.

In addition, when the initialization step of the automatic branch payment system is completed, the customer inserts the IC card into the IC card reader unit 23 of the automatic branch payment system 10 or the magnetic card (here the magnetic card) into the magnetic card reader unit 22. When the card is passed, the electronic control unit 27 judges whether the IC card is inserted or whether the magnetic card is passed (step 105).

As a result of the above determination, when the IC card is inserted or the magnetic card is passed, the following screen is continuously displayed on the monitor.

Please enter four digits of password □□□□

When the customer inputs the four-digit password normally through the key input unit 24, the electronic control unit 27 determines whether the four-digit password of the card has been input (step 106).

As a result of the above determination, if it is checked that the card password has not been entered or entered incorrectly, it is again determined whether a predetermined time, for example, about 20 to 30 seconds has elapsed (step 107). You are returned to the screen.

On the other hand, if a normal four-digit password is input by the customer, the electronic control unit 27 continuously outputs the following screen to the monitor 26, and when the customer puts the gyro sheet into the gyro sheet inlet 25, the gyro sheet inlet 25 In step 108, a predetermined input signal is applied to determine whether or not the giro sheet is input (step 108).

Insert the paper in the direction of the arrow. Insert the "OCR" part up.

That is, when the customer puts the Giro slip into the inlet 25, after determining it, the OCR and barcode of the Giro slip are first read and recognized (Step 108 and Step 109).

In particular, when the OCR recognition unit 33 reads the OCR, the OCR recognition section reads the girolead bands numbered below the landmarks to check the geographies.

When the recognition process is completed, the CCD scanner unit 35 continuously scans the geographies (step 110), and accordingly, the read geographies are output to the monitor 26 (step 111).

The above step is not a necessary step because it is only a confirmation process that allows the customer to check the geographies entered by the customer once again.

In addition, optionally, the process of checking the OCR girolead band and the barcode portion of the Giro table by using the data scanned by the CCD scanner unit 35 may be performed once more.

On the other hand, when the above step is completed, the display screen for confirming the giro document number is displayed on the monitor 26 as follows (step 112).

Giro number 6 5 0 1 2 0 2 If you hit "OK", press the "Cancel" button.

At this time, the customer checks whether he / she has paid the Giro slip once again and presses the confirmation key when the check is completed. The electronic control unit 27 checks this (step 113) and compares the amount of the current customer card with the Giro payment. It is determined whether the payment account balance is insufficient (step 114).

At this time, the following screen is output to the monitor 26.

Processing Please wait Please start →→→→→ Exit

As a result of the above processing, when it is determined that the balance is insufficient, the electronic control unit 27 sequentially displays the trade balance low display screen as shown below with a predetermined sound through the monitor 26 (step 115).

The balance is insufficient for the amount due. Your card and Giro are returned. (Sound) Beep Beep

The transaction did not work. Get your card and paper. Goodbye.

Immediately after the transaction balance shortage display screen is output as described above, the branch book is returned through the branch book returning unit 36 (step 116).

In this case, when the IC card is inserted, the IC card is returned.

For reference, as a result of the transaction balance inquiry, when the customer enters three giro sheets to be paid, the two giro sheets can be paid by the sorting method, but it is impossible to pay the other one. The user may optionally add the ability to automatically transfer funds from the customer's card account to only two giro sheets that can be paid for. In this case, the sorting method may be in the order of payment date or in the order of the input of the Giro.

On the other hand, if it is determined that the balance is not short compared to the amount of giro payment, the electronic control unit 27 sends a control signal to the server unit 29 and, accordingly, the server unit 29 communicates with the host computer 28 to the magnetic of the customer. The account transfer is automatically made from the payment account of the card or the IC card (step 117).

When the account transfer is completed in the above step, the electronic control unit 27 sends a predetermined control signal to the customer and backup receipt printer unit 30 to print the customer and backup receipt (step 118). After the printing is discharged through the receipt outlet 31 so that the customer can receive (step 120), the backup receipt is printed and stored in the inner case of the automatic paper payment device after printing.

When the above step is processed, the following screen is output through the monitor 26.

Get your card and receipt. Keep the receipt for five years.

In addition, the electronic control unit 27 sends a control signal to the confirmation display printer unit 32 for the receiving bank, and inputs a mark for checking how many times the Giro slip currently entered by the customer is received by the automatic branch payment device of the receiving bank. It prints on a Giro worksheet (step 119). Through the above process, the check mark printed on the check mark is stored in the print order in the store check list 38 is collected by the bank clerk and then transferred to the financial settlement agency.

On the other hand, when the printing of the customer and backup receipts for the customer and backup receipt printer unit 30 is carried out as in step 118 above, accordingly the receipt discharge port 31 so that the customer can receive after the customer receipt is printed accordingly. It is discharged (step 120), and the backup receipt is printed and stored in the inner case of the automatic paper payment device.

Finally, when the discharge of the customer receipt as described above is completed at the same time through the monitor 26, the following transaction end display screen is displayed and all the processing is terminated.

When the above step is processed, the following screen is output through the monitor 26.

Get your card and receipt. Keep the receipt for five years.

Accordingly, the customer will receive the receipt discharged to the receipt discharge unit 31 and all giro payment process is completed.

As described above, the automatic jiro payment apparatus and method according to the present invention do not pay the giro amount to the bank window when the customer makes various payments through the giro slip, and then pass the various cards to the card reader through the giro slip insertion slot. When the Giro voucher is inserted, after the Giro voucher is automatically checked through the OCR and barcode recognition unit, if the balance is not sequential while the card balance is in sequential order, it can be processed by automatic account transfer from the settlement account of the customer's magnetic card. By doing so, customers can pay 24 hours a day, and it is possible to eliminate the risks and inconveniences of cash handling. On the bank side, it is possible to eliminate the congestion of the shops by distributing the work and reduce the manpower and cost. The advantage is that productivity can be improved by automating tasks.

Claims (5)

The power supply unit 20 for supplying power to the system, the system status display unit 21 indicating the current operating state of the system when the system is initialized when the power of the power supply unit 20 is turned on, and the customer when the system is initialized When a card or an IC card is selectively inserted, the magnetic card and IC card readers 22 and 23 for reading the card and the magnetic card reader 22 or the IC card reader 23 When reading the password of the customer card after reading, the key input unit 24 into which the password and various information are input by the customer, the Giro ticket inlet 25 into which the Giro ticket is input by the customer, and various information are displayed on the screen. A predetermined input signal is received from the monitor 26, the magnetic card reader 22, the IC card reader 23, and the branch bill inlet 25 so as to automatically transfer and accept the card payment account. An electronic control unit 27 for performing various controls for the bill processing, and a server unit 29 for receiving a predetermined control signal from the electronic control unit 27 and transferring the account transfer information of the card payment account to the host computer 28. And, if the Giro sheet is inserted into the Giro sheet inlet 25, the Giro table OCR and barcode reading unit (33, 34) for reading the OCR and barcode of the Giro sheet, and the CCD scanner unit 35 for scanning the Giro sheet When the balance of the payment card of the customer card is insufficient, the electronic control unit receives a predetermined control signal and returns a branch statement to the Giro table return port 36, and receives a predetermined control signal from the electronic control unit 27. The customer and backup receipt printer unit 30 for issuing customer and backup receipts, the receipt discharge port 31 for discharging the customer receipt when the customer receipt is printed, and the electronic control unit 27The acknowledgment control printer 32 for accommodating banks and the acknowledgment printer portion 32 for accommodating the accommodating banks are printed with the acknowledgment control signals being applied to the accordion charges inlet 25 by receiving a positive control signal. Automatic jiro payment device, characterized in that it comprises a giro bill storage portion 38 for storing the stored giro bills sequentially. Initializing the system in the initial stage, and when the system initialization is completed in the above step, checking the balance sheet entered by the customer into the entry into the Giro Journal, and checking the balance of the customer card payment account, and in the step of the card settlement account Automatic balance payment method characterized in that when the balance is checked, the process of the account transfer and receipt processing according to the electronic control unit accordingly. The method of claim 2, The system initialization step may include first determining whether the system power is on (step 101), a system initialization step (step 102) of supplying predetermined power to each part of the system when the power is turned on in the step, and the step Connecting the server unit to the host computer in a communication enabled state when the initialization of the system is completed (step 103), and displaying the initial screen on the monitor (step 104). Giro payment method. The method of claim 2, The step checking of the balance sheet and the balance of the card settlement account may be performed by first determining whether the magnetic card or the IC card has been passed by the customer (step 105), and if the card is passed in the step, the card password 4 continues. Determining whether a digit has been entered (step 106); if it is determined in the step that the card digit 4 digits have not been entered or entered incorrectly, determining whether a predetermined time has elapsed and then processing (step 107); If it is determined in step 4 that the card password is entered, the step of judging whether the Giro voucher has been entered by the customer into the Giro voucher inlet 25, and if it is determined that the Giro voucher has been inserted in the step, the OCR and Recognizing the barcode (step 109), and after the above step is completed, continue through the CCD scanner unit 35 A step (Read 110) of reading the Giro sheet, a step of outputting the Gyro sheet to the monitor 26 (step 111) if the Giro sheet is read in the step, and continue to the Jiro when the step is completed Outputting the document number confirmation display screen to the monitor (step 112); and determining whether or not the document number confirmation key has been entered by the customer when the step is completed (step 113); When the confirmation key is input, the automatic payment method of the card payment, characterized in that it comprises a step (step 114) to determine whether the balance is insufficient compared to the current payment amount by querying the balance status of the card payment account. The method of claim 2, The automatic payment and receipt processing step of the card payment account, if it is determined that the balance of the customer card payment account is insufficient to display a display screen indicating that the transaction balance is insufficient (step 115), and when the step is completed, the customer continues And discharging the receipt for the customer so as to receive it (step 116), and displaying the transaction display screen through the monitor (26) when the step is completed (step 121).