KR20050057768A - System for automatically paying giro public charges using automated banking machine and method thereof - Google Patents

Abstract

The present invention relates to a gross utility payment system and a method of the automated teller machine to enable the use of cash in the automated teller machine to increase the value of use of the automated teller machine.

The present invention for achieving the above object, the bank account / card recognition means for recognizing the information of the bank account / card of the customer, the cash withdrawal to control the deposit and withdrawal of cash (coins and bills) and cash to be paid to the customer Means, key input means for inputting various information for financial transactions, scanner means for recognizing payment information of Giro paper, financial transaction menu and display means for displaying the transaction status, which are provided in each bank As a main computer, the invention includes a network communication means for data communication with a host computer where all information related to a financial transaction is stored and all transactions are actually executed, and a central control means for totally controlling the means to allow unmanned storage. .

Description

System for automatically paying GIRO public charges using automated banking machine and method

The present invention relates to a gross bill payment system and a method of the automated teller machine that can store the bills by using a conventional automated teller machine, and more particularly, it is possible to store cash as well as using the bank transfer method. The present invention relates to a gross utility payment system and a method of a automated teller machine equipped with a cash and withdrawal unit that can further increase the value of use of the unmanned automated storage of the giro.

The Giro system is a payment settlement system that setstles the relationship between the payer and the payee through a deposit account through a settlement mechanism, which reduces the front-line work of financial institutions by automating the collection of various Jiro invoices billed to consumers. It is used by various institutions because of the convenience of the payment method by reducing the enormous manpower and cost required for business processing and at the same time distributing the work that is concentrated at the end of the month or the end of the year. Along with Giro receipts, the bank accepts payments or submits a payment and transfers the account.

By the way, banks and utility bills should be related to the banking, but the labor cost is higher than the payment fee, which is uneconomical for banks. As a result, inconveniences were incurred from the customer's point of view, such as complicated storage windows and long waiting periods for payment, which required the development of new payment methods.

In accordance with the above-mentioned necessity, Patent Application No. 1995-020020 "Cash Card Payment for Giro Payment and Method for Payment of Giro Payment Using It", Patent Application No. 2002-0077588 "Automatic Receipt of Giro and Utility Bills Using CD / HT System and processing method "and the like disclose a technology for the automatic payment of the giro utility bills, in particular by using an automatic teller machine (CD or ATM).

In general, the automatic teller machine is a device that enables services for customers such as 24 hours of unmanned business operations, saving labor and increasing its effectiveness. It is installed in a convenience store or department store at 24 hours, and has means for unmanned financial transactions such as cash withdrawal function, check withdrawal function, and bank transfer function. It recognizes the amount indicated on the paper and transfers money from user account.

However, the payment system for giro through the automatic teller machine basically consists of a bank transfer method, so that customers who do not open an account at the bank cannot use it at the source. Also, the existing Giro paper storage unit is installed in the automatic teller machine. The complex automation equipment has a problem that the installation cost is high due to the high introduction price, and the utilization of the jiro storage function is not constant in the financial automation equipment, so that stable operation is difficult.

On the other hand, Patent Application No. 2003-0062512 "Unattended Cash Dispensing Device" filed by the present applicant has a variety of input devices, such as a keyboard and a scanner, and the output device according to this unit to provide a payment service for various bills It is easy to transfer deposits and withdrawals and information by automating or automating paperwork in banks and process them in one device to improve the operation rate of the device as well as to expand the automation of business. Likewise, there is no giro payment function by cash storage.

The present invention has been invented in view of the above-described circumstances, and it is possible to make a paper payment function by cash payment including banknotes and coins in Patent Application No. 2003-0062512, "Unattended Cash Dispensing Device", filed by the applicant. The purpose of the present invention is to provide a Jiro utility bill receiving system and a method thereof.

Jiro bill storage device of the automated teller machine of the present invention for realizing the above object, the account book / card recognition means for recognizing the information of the customer's account / card, the cash (coins and bills) that the customer deposits and the cash to pay to the customer Cash withdrawal means for controlling the withdrawal and withdrawal of money, key input means for inputting various information for financial transactions, scanner means for recognizing payment information of land, paper transaction means and display means for displaying transaction status, As a main computer provided in each bank, network communication means for data communication with a host computer where all information related to financial transactions are stored and all transactions are actually executed, and central control for totally controlling the means to allow unmanned storage. It is made with a means.

In addition, the central control means is characterized in that it is made to enable or block the giro storage function according to the mode setting by the key input means.

In particular, the method for storing giro bills of the automated teller machine according to the present invention for achieving the above object, if the customer fails to recognize the giro paper inserted into the scanner means, the recognition of the giro paper required for giro storage After returning the paper to the Giro and ending the recognition of the payment information, the step of depositing cash required for storage, determining the amount of money deposited through the coin withdrawal and withdrawal and withdrawal unit, the deposit amount in the deposit amount determination step than the storage amount If it is a lot, check the payment, and if the agreement is agreed, including the step of storing the image, followed by printing and issuing the statement / receipt.

If the deposit amount is not made for a predetermined time in the deposit amount determination step and the deposit amount is less than the storage amount, the method further comprises the step of returning the paper and the deposit amount.

In addition, it is characterized in that it further comprises a payment method selection step for selecting the desired payment method of cash deposit, bank transfer or check deposit as a previous step of the cash deposit step.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an external perspective view for explaining an embodiment of an automatic teller machine for the implementation of the present invention.

The automatic teller machine 30 is provided with an additional information output unit 11, a coin withdrawal unit 15, and a printer output unit 14 on the upper side of the screen output unit 10, and fingerprint recognition on the lower side. A unit 12, an infrared transceiver 18, and a receipt output unit 16 are provided, respectively, and at the bottom thereof, a keyboard input unit 13, an input and output device 5, an image information input unit 19, and scan paper discharge. Each part 20 is provided.

Wherein the image information input unit 19 is to be able to read the payment information contained in the paper by inserting the paper in accordance with the present invention,

FIG. 2 illustrates an internal configuration diagram of the automatic teller machine shown in FIG. 1.

As shown in the accompanying drawings, one side of the control unit 1, which is a central control unit, is connected to the image and reading unit 3 together with the program storage unit 2, bills for controlling the deposit and withdrawal of bills and checks, etc. The various input / output devices 5 including the deposit and withdrawal unit 17, the check and withdrawal unit 17-1, and the coin withdrawal and withdrawal unit 15 are connected, respectively.

In addition, the passbook / card processing unit (9) for recognizing the information of the bankbook / card of the customer, the keyboard input unit (13) for inputting various information for financial transactions, the scanner to recognize the payment information of the Giro paper ( 22) and a scanning device 4 having a scanning paper storage unit 21 and a scanning paper discharge unit 20, a screen output unit 10 for visually notifying the financial transaction menu and the transaction status, and an audio output. (7), a main computer provided in each bank, a communication device (8) for data communication with a host computer on which all information related to financial transactions is stored and all transactions are actually executed, and a receipt for proof of transaction details. The output part 16 etc. are provided.

In addition, the fingerprint recognition unit 12 and the image information input unit 19 to prevent financial safety accidents based on the personal recognition and face photographing through the user's fingerprint recognition, the infrared transceiver 18 for short-range communication with the personal mobile terminal. A printer output unit 14 for outputting the documented result scanned by the scanning device 4 and an unrecovered output unit 6 for storing the unrecovered result are provided and connected to the control unit 1.

The branch payment method using the automatic teller machine configured as described above will be described in detail with reference to the flowchart shown in FIG. 3.

When the user inserts the paper into the image information input unit 19, the controller 1 drives the scanner 22 provided in the scanning apparatus 4 to read the payment information contained in the paper.

At this time, if it is judged that the recognition of the payment information of the Giro paper necessary for storing the Giro is failed, the Giro paper is returned to the scanning paper discharge unit 20, and the current payment of Giro payment is terminated. It guides through the screen output unit 10 and the audio output unit 7 to deposit the cash necessary for storing. Of course, when it is determined that the recognition of the payment information of the giro paper required for giro storage has failed, the user may be prompted to output a message about the giro paper, and to enter the user again after checking the giro paper.

When a user deposits cash required for payment by operating the banknote withdrawal unit 17, the check withdrawal unit 17-1, or the coin withdrawal unit 15 provided in the various withdrawal and withdrawal devices 5, the total amount of money deposited is determined and stored. Determine whether or not enough to handle the charge.

If it is determined that the deposit amount is larger than the storage amount in the deposit amount determination step, it is checked whether or not the storing process may be performed. At this time, it is preferable to display a confirmation button or a separate hardware confirmation button as shown in the screen output unit formed of a touch screen so as to confirm the intention that the user may accept it, so that the user can easily operate. If the user inputs to process the receipt by operating the confirmation button, if the remaining amount is left after deducting the amount of money received from the total amount of money currently deposited, the balance is returned by controlling the banknote withdrawal unit 17 and the coin withdrawal unit 15.

On the other hand, for the stored giro paper, the image is taken by the scanner 22 and stored in the image and the reading unit 3 so that it can be used for evidence later if necessary.

In addition, through the receipt output unit 16 as proof data for storing the giro fee is issued by the specification table / receipt is output.

Figure 4 is a flow chart for explaining the setting and blocking action of the giro billing storage mode according to the present invention.

When the initial screen for the function setting of the automatic teller machine is displayed, it is displayed whether or not to set the giro utility storing mode together with various functions of the automatic teller machine. At this time, if the administrator has set the gross utility storage mode to the enabled state, as described above, if the gross utility storage mode is set to enabled with the cash withdrawal function, check withdrawal function, etc. in the function setting mode. The user can selectively use all the functions in the enabled state, and when only the giro utility storage mode is set to the enabled state, it can be used as a giro utility storage. When only the cash dispensing function mode is set to the enabled state, the cash dispensing machine can be used as a cash dispensing machine. However, if all functions are set to disabled state, the mode setting error is displayed and the function is set again.

This is to increase the flexibility of using the device by flexibly setting the function according to the usage of the device.

As described above, according to the present invention, a financial automatic device equipped with various input devices, such as a keyboard and a scanner, is provided with a giro paper reading means and a giro utility payment function by cash deposit such as coins / banks without any special design change. The software function can increase the utilization of the device to increase profitability, reduce the installation cost of the Jiro bill storage device, and make it easier for anyone who does not have a bank account to further reduce the cashier's work. It is possible. In addition, there is an advantage that can increase the efficiency of financial institutions by setting the function by changing the elasticity according to the demand of cash and giro utility bill.

In the above description, but the technical concept of the giro utility bill storage system and the method of the automated teller machine of the present invention has been described based on the exemplary drawings, which is illustrative of the best embodiment of the present invention to the claims of the present invention It is not limited. It will be apparent to those skilled in the art that various modifications and imitations can be made without departing from the scope of the technical idea of the present invention.

1 is an external perspective view for explaining an embodiment of an automatic teller machine for the implementation of the present invention;

2 is an internal configuration diagram of the automatic teller machine shown in FIG.

3 is a flow chart for explaining a method for storing giro bills of the automatic teller machine according to the present invention;

Figure 4 is a flow chart for explaining the setting and blocking action of the giro billing storage mode according to the present invention.

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

1-control unit 2-program storage unit

3-Imaging and reading 4-Scanning unit

5-teller machine 7-voice output unit

8-Communication device 9-Card processing unit

10-Display Output 16-Receipt Output

19-Image information input part 20-Scan paper discharge part

30-body

Claims (5)

Passbook / card recognition means for recognizing the information of the customer's bankbook / card, cash withdrawal means for controlling the deposit and withdrawal of cash (coins and banknotes) and cash to be paid to the customer, and various information for financial transactions. As a means of input, scanner means for recognizing payment information of Giro paper, financial transaction menu and display means for displaying transaction status, as a main computer provided in each bank, all information related to financial transactions is stored and And a network communication means for data communication with a host computer on which all transactions are actually executed, and a central control means to control the means as a whole and to receive the unmanned paper. The system of claim 1, wherein the central control means is configured to enable or block a giro storage function according to a mode setting by an input means. Recognizing the Giro paper put into the scanner means by the customer, returning the Giro paper if it fails to recognize the payment information of the Giro paper required for storing the Giro paper, and ending the deposit if the recognition of the payment information is successful. Determining the amount of money deposited through the coin withdrawal unit and the bank account withdrawal unit; if the amount of money is greater than the amount of storage in the deposit amount determination step, checking whether payment is made; Subsequently, the method for storing giro bills of the automated teller machine, including the step of printing and issuing the statement / receipt. The method of claim 3, further comprising the step of returning the paper money and the deposit amount if the deposit amount is less than a predetermined time in the deposit amount determination step and the deposit amount is less than the storage amount. How to store Jiro bills. [5] The financial automatic device of claim 3 or 4, further comprising a payment method selection step for selecting a desired payment method among cash deposits, bank transfers, and check deposits as a previous step of the cash deposit step. How to store Jiro bills.