KR20030078852A - The Mathod For Exchange Payment of Current Deposit And Recoding Medium to Recode The Method - Google Patents

Abstract

PURPOSE: A method for exchanging a current deposit and a recording medium storing a program source are provided to computerize all exchange processes, and to reduce time and expense by minimizing processing staff. CONSTITUTION: A server of a central center judges an error on processing an image by receiving the image data of a received check/bill, automatically registers the reserved giving to a current deposit account, and transmits the registration particulars and the exchange information to a client(S1001-S1003). After confirming a registered seal of the check/bill, a batch giving settlement is executed for the current deposit account to each branch if fund is enough(S1009). The client of the branch provides the exchange particulars after receiving the particulars information, and executes the giving settlement of each account if the fund is sufficient(S1011).

Description

Recording method for recording the checking deposit and the program source {The Mathod For Exchange Payment of Current Deposit And Recoding Medium to Recode The Method}

The present invention is an exchange payment method of checking account, and more specifically, to form a computerized data by imaging the check / bill presented exchange, and to manage the insolvency extension through the intraday reservation registration, seal authenticity verification, the presence or absence of funds inquiry, payment settlement It reduces the overall time and cost required by minimizing the number of processing personnel by computerizing all payment accounts' exchange payment processes such as collective exchange settlement through execution registration and inquiry of transaction details of branches / customers in real time. The present invention relates to a method of exchanging payments for a checking account, which minimizes the confusion of information exchange between a customer and an employee, and thus enables a simple and accurate exchange of payment accounts.

Generally, a checking account is a checking or promissory note for a depositor who pays a certain amount of an opening deposit and signs a checking transaction with the bank, within the balance of the deposit or within the limit of the checking loan under the contract. A deposit that is issued to issue a cash payment for a holder of a check or draft to the bank. General deposits are intended for savings, whereas checking accounts are based on a standing contract of deposit and acceptance of check payments between depositors and banks. As a result, the checking account has a lot of time and money in order to deposit and withdraw the funds frequently and organize the cashier accordingly, and the deposited money is not safe, so the contribution of the bank as a funder is insignificant. No interest is paid.

In addition, a default check / bill is a check / bill that is presented at the due date but is rejected by the payer, the buyer or the issuer. ) Is the bill returned to the spending bank by refusing payment for the default due to the provisions of the clearing house agreement. In this case, the importing bank shall return the default bill to the counterpart bank by the prescribed date and receive the match of the default bill. Spending banks and import banks related to bank drafts shall submit a bankruptcy report to the clearing house by a specified date.

The conventional bank's checking account exchange payment method consists of acquiring the above-mentioned exchange items for each branch when the check / bill is presented for exchange, processing the check / bill and the exchange for each case, and notifying the customer of the exchange by telephone. The authenticity of the seals of the checks and bills submitted for exchange is judged by the employee's visual comparison between the declared seal notification and the seals on the checks / bills.

However, according to the conventional checking account exchange payment method as described above, since the processing of the business by the branch stores the work burden of the branch increases, and accordingly the time and cost required to process the exchange payment settlement business increases the effective payment account of the checking account There was a problem that can not be performed.

The present invention has been made to solve the conventional problems as described above, an object of the present invention is to form a computerized data by processing the check / bill presented exchange, and to make a single-day reservation registration, authenticity authentication of the seal, inquiry of funds Computerized exchange payment process of all checking deposits, such as bankruptcy extension management, payment settlement execution registration, and inquiry of transaction details of sales offices / customers, and performs business processes in a centralized center in real time to be distributed by conventional branches It is to provide a checking account exchange payment method that centralizes the checking account exchange payment service and reduces the required time and cost by minimizing the number of processing personnel, thereby enabling more efficient checking and payment of the checking account.

1 is a block diagram of an exchange payment system for checking account according to the present invention.

Figure 2 is a step-by-step flowchart of the method of payment payment of the checking account according to the present invention.

3 is an exemplary view showing an example of an imaging process according to the present invention.

4 is an exemplary view showing an initial screen of a website providing an internet banking service according to the present invention;

Figure 5 is an exemplary view showing an example of querying the exchange income history through the Internet banking according to the present invention.

6 is an explanatory diagram showing an SMS message transmission according to the present invention.

7 is an exemplary view showing the image data of the transaction seal signature notification form according to the present invention.

In order to achieve the above object, the present invention provides a method of exchanging a checking account. (A) The server of the centralization center receives an image data of a check / note received and received from the scanner to check whether there is an error in the imaging process. And after determining the automatic daily reservation payment registration in the checking account, and transmitting the daily reservation registration details and the exchange income history information to the client of the branch, and (b) determining whether the check or draft is authentic. After that, if there is insufficient funds, it will send an extension or default notification message to the presenter's computer, and if the funds are sufficient, register the execution of the collective payment settlement in the branch account in the checking account. And (c) the client of the branch office provides the exchange income history according to the input search command after receiving the transmitted detail information. If there is a bank execution registration account, search for the presence of funds, and if there is insufficient funds, send a message of extension or bankruptcy notice to the computer of the presenting bank; It characterized in that it comprises a step of registering.

The exchange payment method of checking account according to the present invention between the steps (a) and (b), upload the exchange income history information to the website according to the customer's input command connected through the Internet It further comprises the step of providing information.

In addition, the exchange payment method of checking account according to the present invention further comprises the step of transmitting the SMS short message recorded the exchange income history to the mobile phone of the pre-registered customer between the steps (a) and (b). Characterized in that.

In the imaging process of step (a) according to the present invention, the step of determining whether an error is received from the scanner is provided with image data including the MICR value of the check / note, and the data value on the pre-registered note check book. Searching and recognizing, and comparing the MICR value with the data value to determine whether the imaging process is error.

Determination of the authenticity of the seal in the step (b) according to the present invention comprises the steps of: extracting the seal information from the image data of the check / bill, searching and recognizing the seal information on the registered transaction seal notification in advance, and And comparing the two seal information to determine the authenticity of the seal.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the method for payment of the checking account according to the present invention.

1 is an overall configuration diagram of a system required in the method of payment and exchange of checking accounts according to the present invention.

The scanner 101 performs the function of imaging the received check / bill in real life according to an input command of a scan person and providing the same to the server 102 of the centralization center.

The server 102 of the centralization center stores and manages the information provided from the scanner while interfacing with a plurality of DBs that store and manage various financial transaction information. Receives a request of 103 and performs a function of transmitting necessary information.

The branch client 103 receives an input command from a sales representative, requests the necessary information to the server 102 of the centralization center, and performs a function of receiving and providing various types of information transmitted from the centralization center.

Figure 2 is a flow chart showing step by step of the payment method of the checking deposit according to the present invention.

As shown in the drawing, when the check / bill presented by the exchange is received at the main office centralization center, the person in charge first forms the image data by imaging the check / receiver through the scanner 101. The image data formed through the processing is provided to the server 102. (S1001)

Here, the scanner is a device for reading images from photographs, magazines and other materials for editing and expression on a computer, the scanner has a manual and flatbed format depending on the shape, the high resolution scanner and a low resolution scanner depending on the resolution The scanner according to the present invention preferably uses a high resolution scanner. The scanner inputs the image reflected from the check / voice room as analog information to the optical sensor, undergoes an amplification process, and is converted into a digital signal by an A / D converter.

The photoelectric conversion method uses an optical scanning method that scans a piece of paper with a narrow beam of light source, and reads the reflected light with a sensor, and uses a self-injection sensor having a large number of pixels to read an image on paper. There is a sandpaper method and a mechanical scanning method for reading an image by moving the carriage on which the light source and the photo sensor are mounted, and the scanner according to the present invention may apply any of the above methods.

In the imaging process, the scanner 101 reads the MICR value recorded at the lower end of the check / voice and provides the image to the server 102 along with the image data.

FIG. 3 is an exemplary view showing an example of imaging a checking check through the scanner. As shown in the drawing, the check image data includes a MICR value at a lower end thereof and is recognized by a dedicated scanner. The value is output at the bottom of the figure.

After storing the image data and the MICR value provided from the scanner 101, the server 102 retrieves and recognizes the check / note data value registered in the DB in advance, and recognizes the MICR value and the data value. By comparing this, it is determined whether an error of the imaging process through the scanner 101 is made (S1002).

Here, the data value pre-registered in the DB is a computerized registration of the contents of the draft check issued by the customer when the bill is issued. The check / bill number, issue date, payment date, and amount are included.

MICR stands for Magnetic Ink Character Recognition, and is a character recognition system that uses a special magnetic ink and a character. In other words, a document written in magnetic ink detects a magnetic substance in the ink when it is read, determines the shape of a character, and converts the shape into a digital signal using a method of matching the shape with a set of stored characters and inputting the same into a computer. The numbers and letters (usually check numbers, bank code and amounts) found on the bottom of the check / note are printed in magnetic ink.

Accordingly, by comparing the check / note number, the amount of money, the issue date, and the like of the MICR value with the pre-registered data value, it is possible to determine whether the imaging process is justified without errors.

As a result of determining whether there is an error in the imaging process through the above process, if no error is found, the checking account account is automatically recognized through the check / note number of the MICR value and the automatic daily reservation payment is registered in the account. (S1003).

When the intraday reservation payment registration is completed, the server 102 transmits the intraday reservation payment registration details and exchange income history information to the client 103 of the branch through a network.

In addition, the exchange import history information is uploaded to a website on the Internet (S1004). The internet banking subscription customer can access the website and provide the login information to be authenticated, and then the exchange income history information can be inquired.

4 is an exemplary view showing an initial screen of the website, and as shown in the drawing, a login window for receiving login information including an ID and a password of a user using Internet banking is formed. Therefore, the internet banking subscription customer can use the service provided by the website only by accessing the website and inputting login information in the login window of the initial screen to be authenticated as an internet banking enabled customer.

5 is an exemplary view showing a screen for inquiring check / bill exchange revenue history of the customer when the customer who accesses the website is authenticated by inputting login information.

As shown in the figure, the account details of the connected customer's account are displayed on the screen, and the customer can inquire the current balance of the corresponding account. In addition, when the customer selects the corresponding account, the status of the exchange income of the check / bill on the day is displayed, and the details of the exchange income history of the check / bill on the day can be inquired by clicking the inquiry button.

The server 102 forms an SMS short message in which the exchange income history is recorded, searches for and recognizes a mobile phone number of a customer registered in a DB in advance, and transmits the SMS short message to the mobile phone number. It becomes (S1005).

Figure 6 is an explanatory diagram showing the transmission of the SMS short message recorded the exchange import history to the customer's mobile phone.

Here, SMS is a service that can send a message to a mobile phone using GSM communication up to 160 characters, the SMS is when the phone is available to call, even if the mobile phone is off, or even in some areas where you can not talk It has a feature that is preserved for several days. GSM is a variant of time division multiple access (TDMA) and is one of the three most widely used digital radiotelephone technologies with TDMA and CDMA. GSM digitizes and compresses the data and sends it along with two other user data over one channel, each with its own unique time zone. GSM is characterized by operating in both the 900 MHz and 1800 MHz frequency bands.

After receiving the SMS short message, the customer can access the website described above and inquire of the detailed exchange income through internet banking.

When the daily reservation payment registration is completed, the server 102 determines whether or not the authenticity of the seal stamped on the check / draft (S1006).

The authenticity of the seal may be determined by first extracting seal information from the image data of the check / bill, retrieving and recognizing the seal information on the transaction seal report registered in advance in the DB, and then extracting from the image data. The authenticity of the seal is determined by comparing the seal information on the seal and the seal information on the transaction seal report stored in the DB through a comparison algorithm.

A seal means a specific seal that has been submitted in advance to a public office or a trading company in order to confirm the identity or authenticity of the parties in contrast. 7 is an exemplary view showing the seal information on the transaction seal report registered in the DB of the centralization center.

If there is no abnormality as a result of the determination of the seal authenticity, it is possible to search whether there is an accident report of the checking account deposited registered in the intraday reservation payment, whether there is an accident report security deposit and whether the checking account is funded (S1007).

In the DB of the centralization center, all transaction details of the checking account are stored and registered, and if an accident report is received, the accident report is stored in a computerized data and registered. As a result, it is possible to determine the necessity of accident report security.

If an accident report is received and stored as a result of the inquiry of the presence or absence of the accident report security deposit, and the deposit of the accident report security deposit is required, the client sends a message requesting the deposit of the security deposit.

Even after sending a message requesting the deposit of the collateral, if the customer does not deposit the collateral, the bank defaults on the check / bill presenting bank.

If there is no abnormality of the result of the inquiry of the accident report and the report of the security of the accident report, if there is not enough funds as a result of the search and checking the funds of the checking account, an extension / notification notice is made to the presenting bank of the check / bill. S1008).

In this case, the extension notification is to extend the payment of the check or bill, and the current bill exchange regulations stipulate that the checking transaction cannot be closed if the check or bill is cleared by the next business day. In other words, if the exchanged check or bill cannot be blocked on the same day, the default default will be settled. Strictly speaking, if the bank does not stop until 2:30, the bank's opening hours on the day, banks defaulted, but banks use the extension method to give the issuer more opportunities for payment. Therefore, if the extension is notified due to the lack of payment funds, the final default is not processed unless payment is made for a certain period of time.

If the check / bill is bankrupt, the bank will send a message of bankruptcy notification to the presenting bank, register the bankruptcy report to determine the justification of the bankruptcy report and bankruptcy, and return the receipt to the bank. do.

In addition, if the check is confirmed as a negative check / bill is confirmed as a negative check / bill will be prepared to be sent to the jurisdiction police station by mail.

As a result of the inquiry, if the funds are sufficient, the payment is made to the payment account execution register in the checking account in the checking account (S1009).

The client 103 of the branch receives the automatic daily reservation payment registration details and exchange income history information transmitted from the server 102 in step S1003, and then provides the information to the person in charge of the branch.

The person in charge of the sales office inputs a necessary search command based on the provided information, and the client 103 of the sales office provides necessary exchange income details according to the input search command (S1010).

In addition, the client 103 of the branch office searches for the single-day reservation registration history and, if there is a branch execution registration account, inquires whether the account has funds or not, and if the funds are insufficient, the bank or the bank of the presenting bank of the check / bill is defaulted. The message of the extension notification is sent, and if the funds are sufficient, the payment execution registration for each account is registered (S1011).

As described above the exchange payment method of checking account according to the present invention, the technical scope of the present invention is not limited to the contents described in the embodiments, and also in the general knowledge of the art in order to carry out the same purpose of the present invention. It should be noted that the equivalent configuration modified or changed by those having the same does not depart from the scope of the technical spirit of the present invention described in the claims. Therefore, modifications or changes in equivalent configurations by those skilled in the art will be constrained by the technical scope of the present invention as set forth in the claims.

As described above, the exchange payment method of checking account according to the present invention forms the computerized data by imaging the check / bill presented, exchange reservation management, seal authenticity certification, non-payment extension management and payment through the inquiry of funds. Centralizes the checking deposit exchange payments distributed by each branch by computerizing all the checking accounts' exchange payment processes such as bulk exchange settlement through payment execution registration and inquiry of transaction details of branches / customers, and performing real-time processing at the centralized center. In addition, it is possible to perform more efficient payment and payment of the checking account by reducing the overall time required and cost by minimizing the number of processing personnel.

Claims (6)

(a) The server of the centralization center receives the check / bill image data received and exchanged from the scanner to determine whether there is an error in the imaging process, and then registers the automatic daily reservation payment in the checking account and makes the above daily reservation. Transmitting registration and exchange income history information to a client of a branch office; (b) After determining whether the check or draft has been checked for seal, search for accident reports / collaterals and funds, and if there is insufficient funds, send a message of extension or bankruptcy notice to the computer of the presenting bank and, if sufficient funds are available, Registering the execution of a lump sum payment to a checking account in units of branches; And (c) After the client of the branch receives the transmitted details, the client provides the exchange income according to the input search command, searches for the daily reservation registration details, and if there is a branch execution registration account, the presence of funds. Inquiry, if the funds are insufficient, the presenting bank's computer to send a message of extension or bankruptcy notification, if the funds are sufficient, the payment method for the checking deposit, comprising the step of registering the execution of payments by account. The method of claim 1, Between the step (a) and (b), further comprising the step of providing the exchange import history information by uploading the exchange import history information to the website according to the input command of the customer connected through the Internet Payment method for exchange of checking account. The method of claim 1, Between the steps (a) and (b), the exchange payment method of the checking account further comprising the step of transmitting the SMS short message recorded the exchange income history to the mobile phone of the pre-registered customer. The method of claim 1, Determination of the error of the imaging process of step (a), Receiving image data including a check / bill MICR value from a scanner; Retrieving and recognizing data values on a pre-registered draft check; And And comparing the MICR value with the data value to determine whether an error of the imaging process occurs. The method of claim 1, Determination of the authenticity of the seal of step (b), Extracting seal information from the check / paper image data; Retrieving and recognizing the seal information on the trader registration report registered in advance; And And checking the authenticity of the seal by comparing the two seal information. A non-transitory computer-readable recording medium having recorded thereon a program capable of executing the method of any one of claims 1 to 5.