KR20000012722A - Automatic machine and method for receiving public fee in automatic machine - Google Patents

Abstract

PURPOSE: An automatic terminal and method for accepting therein are to load an acceptance function in an automatic terminal and accept a public charges using a credit card or a cash card. CONSTITUTION: An automatic terminal comprises: a notice reading unit (23) for reading an information recorded in a corresponding region from a notice for recording needed information; and a main control unit (100) for identifying the read data to a client, providing a message for guiding a selection of a settle method, processing an acceptance process by the settle method, identifying whether the acceptance process is normally performed, and issuing an acceptance identifier to transmit the acceptance identifier to a corresponding organization. Thereby, the acceptance of a public charges is effectively processed.

Description

AUTOMATIC MACHINE AND METHOD FOR RECEIVING PUBLIC FEE IN AUTOMATIC MACHINE}

The present invention is provided with a bill record information reading means (bar code reader or OCR, MICR) capable of reading a computer processing information recording area on an automated terminal such as an ATM or cash dispenser CD. Utility bills (such as electricity, water, gas, and utility bills, or newspaper subscriptions, card charges, insurance, and various bills and taxes charged throughout life) Recognizing billing bills, and equipped with a control system that can store all utility bills, insurance premiums, card payments, etc. through financial on-line transactions, and applications that can control them, Lessons on automated terminals with taxable utility billing to support financial services based on their own products and trading rules A gold storage device and method.

There are many different types of utility bills (or tax bills) currently in circulation, and they use a barcode reader, an optical character reader (OCR), or a magnetic ink character reader (MICR) to read a variety of information recorded on the bill. It is configured to do so. Each of these invoices includes a computer processing information recording area in a predetermined area of the invoice for being processed by a computer at a financial settlement agency or a specific institution that issued the invoice. Through these information recording areas, it is possible to actually perform batch processing using a computer. In particular, the bar code reader is mainly used for the purpose of the inventory of the goods, or the purpose of recording and reading the distribution price information.

However, these utility bills can only be stored at the financial institutions' reception counter. In recent years, it can be stored in a convenience store. By the way, financial institutions have to be stored using manpower investing a high cost, so most of them were reluctant to receive them.

Meanwhile, an expensive general automated terminal installed and managed in a limited number at a financial institution or a specific place is shown in FIG. 1.

Referring to Figure 1, the main control means 10 for controlling the overall automation terminal, a key operation means 11 having a plurality of keys so that the customer can operate the control means, and recognizes the cash or check and counts Recognize banknote recognition and deposit and withdrawal means 12, and MS card, RF card or IC card using magnetic stripe (MS) or high frequency radio signal (RF) and IC chip for information recording and reading, respectively. MS / RF / IC card recognition means 13, image input means 14 for photographing a customer, transaction history printing means 15 and card / slip processing means 17 used for issuing a receipt, It comprises a means 16 for depositing fees, a data storage means 19, a communication interface means 20 and a power supply means 18 for communication with the outside.

These automated terminals are not equipped with utility bills or other functions, and can only be arranged through bankbooks, withdrawals and / or deposits of cash services or cash and checks. This is not high. Therefore, the automation terminal is installed only in a limited place, there was a problem that some customers have to use a limited.

The present invention has been made to solve the above problems, the present invention is equipped with a utility bill storage function in the automated terminal, the customer using the automated terminal selectively according to the desired payment method by credit card or cash card or cash or check, etc. An object of the present invention is to provide a billing apparatus and method in an automated terminal that can be conveniently used.

In one embodiment of the present invention to achieve the above object, magnetic (MS) card and / or radio frequency (RF) card and / or IC (IC) card recognition means, and banknote recognition and withdrawal means, external and The on-line control of a customer's desired transaction by means of a communication interface, and a card inquiry and / or cash recognition, and issue a transaction confirmation or on-line notification of the processing result to the customer in real time to control the transaction history. An automated terminal having main control means, comprising: bill reading means for providing an information recording area for computer processing and reading information recorded in the area from an overall bill for recording information necessary for future computer processing; It supports a number of messages that guide the user to select the type of transaction and payment agency for the collection of tax bills, and confirms the information read from the computer processing bill inputted in accordance with the message. Supports a message that guides the user to select a payment method for storing tax bills of bills, and executes the tax bill acceptor processing according to the selected cost billing method according to the message. Billing device in an automated terminal, characterized in that it comprises a main control means equipped with a bill receipt processing application for controlling the operation of issuing a receipt confirmation and sending the receipt confirmation information to the relevant institution for the case that the receipt is normally received processing; To provide.

In another embodiment of the present invention to achieve the above object, magnetic (MS) card and / or radio frequency radio (RF) card and / or IC (IC) card recognition means, and banknote recognition and withdrawal means, external and Communication interface means to control the transaction desired by the customer on-line by card inquiry and / or cash recognition, and issue a transaction confirmation or the on-line notification of the result of the transaction to the customer. In a method of storing transaction information for a customer in an automated terminal configured to control in real time, a plurality of messages are provided to guide the user to select a transaction type and payment institution for receiving tax bills and input the message accordingly. A first step of reading the bill record information from the bill for computer processing to be confirmed and confirming the read result to the customer; A second step of supporting a message for guiding the selection of a payment method for storing the tax utility bill of the checked bill record information, and executing the tax utility deposit processing according to the selected cost settlement method according to the message; After confirming that the tax utility payment processing has been executed normally, if it is processed normally, a receipt confirmation document recording the storage result is issued, and the tax utility payment information is sent to the relevant institution according to a predetermined document sending method. And, it provides a billing method in the automated terminal comprising a third step of storing the notification data.

In each of the embodiments of the present invention, the receipt of the tax utility bill may be processed by credit card settlement and / or bank transfer (cash card) settlement and / or cash and check settlement. When the payment is made, the balance can be automatically deposited into the customer's account of the partner bank designated by the customer or stored in the electronic wallet.

In addition, in each embodiment of the present invention, the tax payment information received the receipt confirmation is issued to the relevant institutions in real time, or stored in a separate transmission data divided by each institution and stored in the end of the business hours After that, the accumulated transmission data for each institution can be sent to the corresponding institution at once.

1 is a schematic block diagram of a conventional automated terminal

Figure 2 is a schematic block diagram of an automated terminal capable of storing bills according to an embodiment of the present invention

3 is a flowchart illustrating a billing process in an automated terminal according to another embodiment of the present invention.

4 is a detailed operation flowchart of the cash and check counting and payment step of FIG.

5 is a detailed operation flowchart of the credit card inquiry and payment step of FIG.

6 is a detailed operation flowchart of the account transfer inquiry and payment step of FIG.

<Explanation of symbols for the main parts of the drawings>

100: main control means 21: Internet access means

22: security means 23: bill reading means

24: fingerprint recognition means 25: MP3 download means

These objects, features and advantages of the present invention will be more readily understood by reference to the accompanying drawings and the following detailed description.

Hereinafter, the present invention proposes a method for storing utility bills in an automated terminal (ATM) capable of both cash and check deposit and withdrawal, and a device implemented to support the same as a preferred embodiment. In addition, the present invention will be described taking the case of installing a barcode reader as a bill reading means. In the present specification, the technical spirit of the present invention is not limited thereto, but may be variously modified and modified by those skilled in the art.

2 is a schematic block diagram of an automated terminal capable of storing bills according to an embodiment of the present invention.

Referring to Figure 2, the automated terminal according to the present invention, the main control means 100 for controlling the overall operation, a key operation means 11 having a plurality of keys that can be operated by the customer, cash or check Banknote recognition and withdrawal means 12 for recognizing and counting; MS or RF card or IC card using magnetic stripe (MS) or high frequency radio signal (RF) and IC chip for information recording and reading. MS / RF / IC card recognition means 13 for respectively recognizing the information, image input means 14 for photographing a customer, transaction history printing means 15 and card / slip processing means 17 for issuing a receipt. ), A means 16 for depositing fees, a data storage means 19, a communication interface means 20 and a power supply means 18 for communication with the outside. And a bill reading means 23 for providing information processing area for computer processing to read information recorded in the area from all bills that record information necessary for computer processing in the future, and whether or not the terminal is normally authenticated. Security means 22 for providing terminal identification information that can be determined and encrypting various types of information in a desired form when communicating with an external device, fingerprint recognition means 24 for reading and recognizing individual fingerprints, and a compact disc A CD reader / writer capable of recording / reading information on the CD and MP3 download means 25 for downloading the CD recording information through a communication line, and for downloading MP3 files provided through the Internet, using an automation terminal and the Internet. Internet connection means 21 for performing a physical connection of the.

In particular, the main control means 100 supports a plurality of messages that guide the user to select a transaction type and a payment institution for the receipt of tax utility bills, and provides the customer with information read from the various computer bills inputted according to the message. And a message for guiding the user to select a payment method for storing the tax utility bill of the bill record information confirmed by the customer, and executing the tax utility bill processing according to the selected cost settlement method according to the message. A bill receipt processing application is installed that checks whether the tax utility processing is normally executed and controls the operation of issuing a receipt confirmation and sending the receipt confirmation information to the corresponding institution. In the application, the payment method may be set so that the payment for the tax payment is made by credit card and / or bank transfer (cash card) and / or cash and check, and the balance after storage in the case of payment by cash and check. The deposit can be automatically deposited into the customer account of the partner bank designated by the customer or stored in the customer's electronic wallet. In addition, the application is sent to the relevant institution in real time, the receipt of the receipt of the receipt receipt of the receipt confirmation, or stored in a separate transmission data divided by each institution, and stored, and after each business hours are accumulated by each institution The transmission data can be set to be sent to the institution at once. An example of the main logic of the application having such a configuration may be configured as shown in the flowchart of FIG. 3.

3 is an operation flowchart for explaining a billing process in the automated terminal according to another embodiment of the present invention.

Referring to FIG. 3, the utility bill storage method in an automated terminal according to the present invention supports a plurality of messages for guiding a user to select a transaction type and a payment institution for tax collection utility bills, and inputs the computer according to the message. The first step (S311-S316) of reading the bill record information from the general bill and confirming the reading result to the customer, and a message to guide the user to select a cost settlement method for storing the tax bill of the checked bill record information. In the second step (S317-S322) of performing the tax utility billing processing according to the selected cost payment method according to the message, and confirms whether or not the tax utility bill processing is normally executed, if it is stored normally For this purpose, a receipt for receipt containing the result of the receipt is issued. Notice sent by the appropriate authority in accordance with the specified document shipping method, and the third stage consists of storing the data notification (S323-S331).

The operations in which the tax payment is received by the credit card settlement and / or the account transfer (cash card) settlement and / or the cash and check settlement of the second stage are shown in FIGS. 4 to 6, respectively.

In FIG. 4, when the tax and utility bill is received by cash and check, the processing of the remaining balance is automatically deposited into the customer account of the partner bank designated by the customer, or the electronic wallet designated by the customer. It is characterized by storing.

In Fig. 5, the detailed operational flow of the card inquiry and payment step by credit card follows the general credit card inquiry path and logic. In this step, when sending card information to an affiliated organization for credit card inquiry and payment, the security means () encrypts the fingerprint information recognized through its terminal authentication information and / or fingerprint recognition means together with the card information. Send it to an affiliated organization.

In Figure 6, the detailed operation flow of the card inquiry and payment step by the cash card follows the account transfer path and logic using a general cash card. In this step, when the card information is sent to the affiliated organization for cash card inquiry and payment, the security means () encrypts the fingerprint information recognized through the terminal authentication information and / or the fingerprint recognition means with the card information. Send it to an affiliated organization.

In the third step, in particular, the tax payment receipt information, in which the receipt confirmation is issued, is sent to the relevant institution in real time, or the tax payment receipt information in which the receipt confirmation is issued is in a separate transmission data divided by each institution. Accumulate and store, and after the end of the business hours, the accumulated transmission data for each institution can be sent to the corresponding institution at once.

Referring to the operation of the present invention configured as described above and its effect is as follows.

First, after the automated device according to the present invention is installed in a distribution store, a communication network leading to a specific affiliated institution is established, power is turned on, and the state that the automated device can recognize various bills such as tax bills to be paid by the customer. Make it.

The automated device then displays a message on the initial screen that guides the user to select the type of transaction and the settlement agency, according to the customer's intention. Then, when the user selects the desired transaction type and payment institution, the main control means 100 checks whether a task for storing the utility bill is selected, and enables the bill reading means 23.

Next, when a bill having a computer processing information recording area is put into the bill reading means 23 of the automated device, the bill reading means 23 recognizes this and then general information such as the institution information and the amount of money to pay the tax utility fee. Allow the customer to check (S314). At this time, if an error of the input information occurs, the customer can manually correct if desired. If the error is not solved, the corresponding error message is displayed (S328) and the operation is completed.

In the above step, when the verification process is completed by the customer, the method of paying the utility bills and the like from the automated device is selected according to the customer's intention (S317-S319), and the information encryption process and / or the fingerprint recognition means through the security means. Through the individual recognition process through, through the billing path (S320, S321, S322) corresponding to each to execute the bill payment.

As the method of paying the tax utility fee, the credit card inquiry (requires input of credit card information owned by the customer) and payment (S501-S509) of FIG. 5 or the account transfer using the cash card of FIG. 6 (customer of an affiliate bank) Withdrawal from account (S601-S609) or payment (S401-S410) by cash or check deposit of FIG. 4 can be diversified.

As a processing method for the balance after receiving the cash, the deposit processing (S407, S408) to the customer account of the partner bank, or stored in the electronic wallet (S409, S410).

In addition, the result of the storing process is electronically stored, issuing a receipt to the customer (S324), and the transaction history information in real time (S326), or to accumulate and store the corresponding data for future data confirmation to the affiliated institution (S327, S330, S331) at once and deposit to representative accounts by institution

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

Therefore, the present invention provides a utility bill storage function in the automated device to build a system for the customer to use conveniently, so that the customer can use the barcode reader or OCR, MICR without having to enter the necessary information in the automated device for a quick time This allows users to enter and process a large amount of information, which not only provides a more convenient service to customers, but also improves the method of storing tax bills, etc. It is possible to deal with the breakthrough.

Claims (13)

By magnetic (MS) card and / or radio frequency (RF) card and / or IC card recognition means, banknote recognition and withdrawal means, external communication interface means, and card inquiry and / or cash recognition In the automated terminal having a main control means for controlling the transaction of the customer in real time by on-line controlling the transaction desired by the customer and issuing a transaction confirmation or on-line notification of the transaction result to the customer, Bill reading means for providing a computer processing information recording area and reading information recorded in the area from an overall bill for recording information necessary for future computer processing; It supports a number of messages that guide the user to select the type of transaction and payment agency for the collection of tax bills, and confirms the information read from the computer processing bill inputted in accordance with the message. Supports a message that guides the user to select a payment method for storing tax bills of bills, and executes the tax bill acceptor processing according to the selected cost billing method according to the message. Main control means equipped with a bill receipt processing application for controlling the operation of issuing a receipt and confirming receipt of the receipt confirmation and sending the receipt confirmation information to the corresponding institution when the receipt is received normally; And a terminal for providing terminal identification information for determining whether the terminal is normally authenticated and for encrypting various types of information in a desired form when communicating with an external device. The method of claim 1, Fingerprint recognition means for reading and recognizing an individual's fingerprint; And / or CD reader / writer capable of recording / reading information on a compact disc, MP3 download means for downloading the CD record information through a communication line, and an automated terminal and the Internet for downloading MP3 files provided through the Internet. An automated terminal further comprising an internet connection means for performing a physical connection. The method of claim 1, wherein the main control means, An automated terminal, characterized in that the processing of the receipt of tax bills by credit card payment and / or bank transfer (cash card) payment and / or cash and check payment. The method of claim 2, wherein the main control means, An automated terminal, characterized in that the balance is automatically deposited into the customer's account of the partner bank designated by the customer when the tax and utility bill is received by cash or check. The method of claim 3, wherein the main control means, Automated terminal, characterized in that the balance is stored in the electronic wallet designated by the customer when the tax and utility bill storage by cash and check payment is made. The method of claim 1, wherein the main control means, Automated terminal, characterized in that to send the tax invoice receipt information, the receipt confirmation is issued to the institution in real time. The method of claim 1, wherein the main control means, Accumulate and store the corresponding tax utility information received by the receipt confirmation in separate transmission data divided by each institution, and sends the accumulated transmission data for each institution to the corresponding institution at the same time after the end of the working hours. Automated terminal. Magnetic card (MS) and / or radio frequency (RF) card and / or IC card recognition means, banknote recognition and withdrawal means, communication interface means with outside, card inquiry and / or cash recognition The on-line control of the transaction desired by the customer, and the transaction information about the customer in the automated terminal configured to control the transaction details of the customer in real time by issuing a transaction confirmation or on-line notification on the result of the processing. In the storing method, It supports a number of messages that guide the user to select the type of transaction and payment agency for the collection of tax bills, and reads the bill record information from various computer bills inputted according to the message to confirm the reading result. First step; A second step of supporting a message for guiding a selection of a payment method for storing a tax utility bill of the checked bill record information, and executing the tax utility storage process according to the selected cost settlement method according to the message; After confirming that the tax utility payment processing has been executed normally, if it is processed normally, a receipt confirmation document recording the storage result is issued, and the tax utility payment information is sent to the relevant institution according to a predetermined document sending method. And a third step of storing the notification data. The method of claim 8, wherein the second step, A method for storing a utility bill in an automated terminal, characterized in that the tax payment is received by payment of a credit card and / or an account transfer (cash card) and / or cash or check. 10. The method according to claim 9, wherein the processing of the balance after the deposit is automatically deposited into the customer account of the partner bank designated by the customer when the tax utility bill is received by cash and check in the second step. Method of storing utility bills in automated terminals. 10. The method of claim 9, wherein in the second step, when the tax utility bill is received by cash or check, processing of the remaining balance after the deposit is performed. Utility storage method in an automated terminal, characterized in that stored in the electronic wallet designated by the customer. The method of claim 8, wherein the third step, Utility payment method in an automated terminal, characterized in that for sending the tax payment information received the receipt confirmation receipt is issued to the relevant organization in real time. The method of claim 8, wherein the third step, Accumulate and store the corresponding tax utility information received by the receipt confirmation in separate transmission data divided by each institution, and sends the accumulated transmission data for each institution to the corresponding institution at the same time after the end of the working hours. Utility bill storage method in an automated terminal.