KR20050100589A - Bank pos terminal and electric money charging method using the same - Google Patents

Abstract

The present invention relates to a bank force (POS) terminal for a financial transaction and a method for charging electronic money using the same, in which case the payment of the electronic money is exhausted through the bank force (POS) terminal for a financial transaction The purpose is to make payments by recharging money value. The electronic money charging method of the present invention configured for this purpose is an electronic money center system, an electronic money VAN system connected to a plurality of bank force terminals, a collection agency server, an internet gyro system, a credit debit system connected to a plurality of bank force terminals, and a bank server. A financial transaction method of a financial system comprising: receiving a chargeable card; Receiving a payment amount; Comparing the balance of the card with the settlement amount and if the settlement amount exceeds the balance, the bank force terminal communicating with the electronic money VAN system to perform a predetermined charging procedure to receive the charge approval data; Charging electronic money in the card according to the charge approval data; And paying the settlement amount by the charged card. According to the present invention, even if the balance is insufficient by using a bank POS terminal widely installed in a store or a store, it is possible to automatically charge and pay the purchase price with electronic money, and the payer who receives the Giro slip is easy and convenient. The amount of giro can be paid.

Description

BANK POS TERMINAL AND ELECTRIC MONEY CHARGING METHOD USING THE SAME}

The present invention relates to a financial transaction method using a financial terminal, and more particularly, when a balance is insufficient when payment of a purchase price in electronic money is automatically connected to the monetary value charging process to enable the payment of the purchase price after charging The present invention relates to a POS terminal (hereinafter referred to as a "bank force terminal") for financial transactions and an electronic money automatic charging method using the same.

In general, the POS terminal is a combination of the functions of a conventional cash register, an online terminal, and a PC. The POS terminal stores the functions of the existing cash register and revenue generation data, and transmits and receives all data to and from the main server. Refers to a dedicated device that can instantly retrieve product information when needed.

A bank POS terminal is added to the POS terminal as described above. In other words, a BANK POS terminal is a terminal for a financial transaction that enables payment of a purchase price, and refers to a terminal that can make payment through electronic money.

On the other hand, electronic money is a value or prepaid payment mechanism stored on a chip or software for the purpose of payment through a computer network such as a POS, a terminal, or the Internet. Hardware (card-type electronic money) and software (network-type electronic money) Currency). There are two main types of payments for electronic money, one of which is a network type that transfers cash to an electronic wallet or manages a payment account on a separate server, and inserts the card into an IC card or CD. It is a hardware type. Such electronic money includes IC cards such as Visa Cash, an open Mondex card, a transportation card, and a prepaid card.

However, when making a payment through a bank force terminal according to the prior art, since there is no function to charge the money value when the money value of the electronic money is exhausted, the money value is charged to the depleted electronic money. In order to charge, it was forced to charge through electronic money charging stations such as bank windows and transportation card charging stations. Therefore, there was a problem that the situation can not be settled immediately.

On the other hand, the GIRO system refers to a system that pays through the deposit account of a financial institution instead of sending or receiving bond payments or transfer of funds in cash or cheques. Depending on whether or not accompanying a cover sheet, it can be divided into a cover page business and an electronic paper business.

Among the above-mentioned Jiro services, Jangjiro Service is a business where the payment of various payments using the Jiro system is handled by the Jiro slip, which contains the payment details, and includes general account transfers (including standard OCR slips) and local tax storage transfers. The Jiro service is a process that is processed electronically using the internet, ARS-PC, transmission file or C / T, M / T, F / D computer media when receiving and requesting payments. Account transfer, automatic payer account transfer, mass payment, and internet access

As mentioned above, there is an ACR, which is an OCR form, a fixed OCR form, a MICR form, a standard OCR form, and a form prepared by a participating bank and stored in a bank window. The journal issued by the User Organization shall be printed in accordance with the ticketing requirements set forth by the KFTC and may be arbitrarily used by the User Organization for parts not otherwise specified in the requirements.

The OCR (Optical Character Recognition) of the above-mentioned Giro Journal is a publication issued by printing the receipt details (Giro number, customer number, amount of money) on the coupon in a prescribed typeface (OCR-B1 FONT) using a computer printer. This book is mainly used by institutions with a large number of usages. The book is a computerized process of the entire process from issuance and processing of the book, and the receipts are provided separately in the computerized media (M / T, F / D, etc.).

The straight-line OCR form is a form that can be used when the amount of money to be stored is constant, such as newspaper bills and school expenses. Institutions that print out the number of giro numbers and amounts in advance in the form of OCR letters according to the method specified in the computerized processing part of the list, and write the payer details by hand at the user institution. Mainly used in Receipt details are provided in front of the user's organization with the processed slip details displayed as an image.

In addition, MICR (Magnetic Ink Character Recognition) is a form that is mainly used in small user organizations that use a small number of cases and the amount to be stored is not constant. When preparing a Giro slip, the Giro number is printed in advance using the MICR letter (E13-B FONT) at the bottom of the slip, and the payer details are prepared by hand. This ticket is provided in front of the user organization with the contents of the printout as an image.

The aforementioned A voucher is a voucher which is used for individual remittance to a recipient with a Giro number or when the payer loses the Giro voucher.

The standard OCR document described above standardizes various types of documents stored in financial institutions and processes the work by moving information (computation data) without moving the actual items. It is a chapter introduced as part of the "Storage List Informatization Project". The computer processing part (Read Band) consists of 2 lines (total 66 characters) and prints the agency code (giro number), customer reference number, delivery date, amount before and after delivery in OCR letters. The received slips can be processed directly through the automatic recognition machine at the store, or entrusted to the settlement source. The stored slips are computed through the computerized processing.

As described above, the Giro slip consists of three sets of “Giro Receipt”, “Giro Request Form”, and “Giro Notice”. The receipt is issued to the payer, the request is kept at the store and the notice is processed at the KFTC. Must be submitted to KFTC.

On the other hand, storing giro / utility bills through bank counters leads to inconvenient payments due to the increased complexity of storage windows due to the 5-day workweek of banknotes and the reduction of personnel at storage counters. In order to solve this problem, a technology for storing charges using a CD / ATM device has been provided.

However, the conventional method using the CD / ATM device as described above is the same as the method of transferring the fee to the payer's account through the cash card machine, but the only difference is the cash card when the fee is paid using the cash card machine. Since a corresponding keyword must be input at that time using a plurality of keywords required in the past, there is a problem such that the possibility of complaints is high due to the high possibility of input error such as inconvenience and incorrect input due to a plurality of key inputs.

The present invention has been proposed to solve the problems of the prior art as described above, when the bank value terminal of the electronic money is depleted and the payment is not possible to pay the bank value terminal to make payment payment immediately and The purpose is to provide an electronic money automatic charging method using the same.

In addition, another object of the present invention in addition to the function to be able to make payments by charging the value of the money immediately if the money value of the electronic money is exhausted payments through the input of the Giro number or electronic payment number In addition, it is possible to make a payment through the bank force terminal by adding a function that enables the payment.

The present invention configured for achieving the above objects is as follows. That is, the bank force terminal according to the present invention comprises an electronic money center system, an electronic money VAN system in which a plurality of bank force terminals are connected, a collection institution server, an Internet branch system, a credit debit system in which a plurality of bank force terminals are connected, and a bank server. A financial system, comprising: a magnetic card reader for reading a magnetic card; IC card reader / writer for reading and writing IC cards; A key input unit for receiving a user operation; A display unit for displaying an operation menu and a processing state; A memory for storing various data and programs; Communication means for communicating with an electronic money VAN system via a communication network; And if the electronic money balance of the card input from the IC card lead / writer is less than the transaction amount by executing a program stored in the memory, the IC card is communicated with the electronic money center system, the electronic money VAN system, and the financial system of the bank server. Is charged by the amount entered, and if the giro payment is selected through the key input unit, a menu screen for selecting the giro type is displayed on the display unit. In addition to displaying the screen on the display and receiving the Giro number or the electronic payment number through the communication means to communicate with the collection institution server, the Internet Jiro system, credit debit system and the banking system of the financial system to display the billing history and then the key input unit It includes a control unit for processing giro payments by account transfer from the payment account number entered through It is broken.

Electronic money charging method according to the present invention is an electronic money center system, a banking system consisting of an electronic money VAN system connected to a plurality of bank force terminals, a collection institution server, an Internet branch system, a credit debit system connected to a plurality of bank force terminals and a bank server. A financial transaction method of a system, comprising: receiving a chargeable card; Receiving a payment amount; Comparing the balance of the card with the settlement amount and if the settlement amount exceeds the balance, the bank force terminal communicating with the electronic money VAN system to perform a predetermined charging procedure to receive the charge approval data; Charging electronic money in the card according to the charge approval data; And paying the payment amount by the charged card.

In the electronic money charging method as described above, the charging procedure comprises the steps of: inputting an electronic money password; Entering an account password; Inputting a charge amount; And requesting charging by the bank force terminal by transmitting the input charging information to the electronic money VAN system and receiving the result.

On the other hand, the electronic money charging method using the bank force terminal according to the present invention is further provided with a giro processing function, this chiro processing function is a key operation of the bank force terminal by the user when the giro payment is selected, the bank force terminal screen Displaying a type of giro on the; If a bank operation is selected by a user and a key type is selected, the bank force terminal displays an input screen of a bank number and an electronic payment number on the screen to process the type of jiro; When a key operation of a bank force terminal is made by a user and a giro number or an electronic payment number is input, the bank force terminal communicating with the credit debit system and inquiring the billing information by the giro number or the electronic payment number; Performing bank key payment by the bank force terminal communicating with a credit debit system when a key operation of the bank force terminal is performed by a user to input payment account information; And displaying the result of the giro payment process.

Hereinafter, with reference to the accompanying drawings will be described in detail a bank force terminal, an electronic money automatic charging method and a jiro / utility payment procedure using the same according to an embodiment of the present invention.

[Electronic Money Charging Procedure]

Figure 1a is a schematic diagram showing the overall configuration of a bank force financial transaction system for automatic charging of electronic money in accordance with the present invention, Figure 2 is a block diagram showing the configuration of a bank force terminal according to the present invention.

As shown in FIGS. 1A and 2, a bank force financial transaction system for automatic charging of electronic money according to the present invention includes an electronic money center system 160, a bank server 120, and a electronic money van (VAN) system 170. The first bank force terminal 150-1, the mobile telecommunication company server 140, which is connected by wire through a mobile telecommunication company server 140, an electronic money van (VAN) system 170, and a value added communication network (VAN) 106. ) And the second bank force terminal 150-2 connected to the electronic money VAN system 170 through the wireless network 108.

In the above-described configuration, the electronic money center system 160 is connected to each bank server 120 through the financial network when the electronic money charging request is received from the electronic money VAN system 170, and the electronic money according to the user's request. Process the payment for filling.

The above-described electronic money VAN system 170 is connected through a plurality of wired bank force terminals 150-1 and a value-added communication network 106, and also through a plurality of mobile communication company servers 140 and a wireless network 108. It is connected to the wireless bank force terminal 150-2 to manage the bank force terminals and process payments using electronic money according to a request of the user 105. To this end, the electronic money VAN system 170 manages information on bank force terminals using a terminal information database 172, and is connected to the electronic money center system 160 to process the electronic money charging procedure.

In addition, the bank force terminals 150-1 and 150-2 as described above are installed in each business, business place, or branch office similar to a credit card checker, and are wired according to a connection network with the electronic money VAN system 170. It is divided into dragon and wireless. As shown in FIG. 2, the bank force terminals 150-1 and 150-2 include a central processing unit (CPU) 202 that processes the entire operation, a memory 204 in which data and programs are stored, and an SRAM that is a working storage space. 206, LCD display 208 for displaying operation status and processing, key input 210 for operation, MSR reader 212 for reading magnetic card, printer 214 for printing a document according to a transaction. , Modem (216), RTC (Real Time Clock) 218, IC card read / write 220 for reading and writing IC card (electronic money) for communicating with credit debit system 130 through a communication network, power supply unit 222 and the like.

The bank force terminals 150-1 and 150-2 according to the present invention having the configuration as described above are provided with the MSR reader 212 and the IC card lead / writer 220, and have a magnetic card and a smart card (IC card). Various types of cards can be settled for payment, giro payment, and charging.

A procedure for automatically charging electronic money by the system of the present invention configured as described above will be described.

3 is a flowchart illustrating a procedure for automatically charging electronic money in a bank force terminal according to the present invention. The electronic money automatic charging function according to the present invention is a function of automatically paying the purchase price after charging by connecting to the charging process automatically when the balance of the electronic money is insufficient when paying the purchase price with the electronic money in the bank force terminal.

As shown in FIG. 3, a user purchases an item or a service and pays the electronic card with the electronic money recorded therein to the IC card lead / writer 220 of the bank force terminals 150-1 and 150-2. It is inserted (S101).

As described above, after the IC card is inserted into the IC card lead / writer 220 of the bank force terminals 150-1 and 150-2, the purchase amount to be paid is input using the key of the key input unit 210. (S102). At this time, if the purchase amount is more than the balance stored in the IC card (if the payment amount exceeds the balance), the payment is impossible, so the "charge and buy" on the LCD screen 208 of the bank force terminals 150-1 and 150-2. Do you want to? "And then select whether to purchase the charge, and then the user selects the charge purchase to receive the password by inputting the electronic money password (S103 ~ S105).

As described above, a password is input by inputting an account password, and a charge amount is input by requesting input of a charge amount (S106 and S107). As such, when the information necessary for charging the electronic money is inputted, the bank force terminals 150-1 and 150-2 are connected to the electronic money van (VAN) system 170 through the communication networks 106 and 108 to process the automatic charging process. Perform (S108). At this time, the electronic money van (VAN) system 170 interworks with the electronic money center system 160 to process the electronic money charging procedure.

As described above, if the IC card is charged with the money value by the automatic charging process, the purchase price payment is processed according to the payment procedure using the normal electronic money (S109).

[GRORO / PAYMENT PAYMENT PROCEDURE]

Figure 1b is a schematic diagram showing the overall configuration of a bank force financial transaction system for paying giro / utility bill according to the present invention, Figure 2 is a block diagram showing the configuration of a bank force terminal according to the present invention.

As shown in FIG. 1 and FIG. 2, the bank force financial transaction system according to the present invention collects agency 1 and collector 2 (102-1) which issues and distributes the approved giro slips to the payer 104 according to a predetermined procedure. 102-2) through the Internet GRO system 110, bank server 120, credit debit system 130, mobile communication company server 140, credit debit system 130 and value-added communication network (VAN: 106) The first bank force terminal 150-1 connected by wire, the mobile communication company server 140, and the second bank force terminal 150-2 connected to the credit debit system 130 through the wireless network 108. Consists of the configuration.

In the configuration as described above, the collection agency 1 (102-1) has a function that can respond in real time to the notice data inquiry of the Internet Jiro system 110 by holding the various notice databases (DB) in relation to the payment of the Jiro And distributes the journal book to the payer 104 according to a predetermined procedure. Collecting agency 2 (102-2) is to transfer the notice data related to the payment to the Internet jiro system 110 to enable the notice of the notice data from the Internet jiro system 110, and to the payer 104 in a predetermined procedure According to the publication of the Jiro Journal. Here, the giro sheets issued by the collection agencies 102-1 and 102-2 include an optical character recognition (OCR) book, a straight-line OCR book, a MICR (Magnetic Ink Character Recognition) book, a standard OCR book, and the like.

The above-described Internet Giro system 110 approves and controls the issuance of the collection agencies 102-1 and 102-2, and when the notice details are received from the credit debit system 130, its own database or the corresponding collection agency. Request a real-time inquiry to 1 (102-1) and receive a response. To this end, it is necessary to receive the notification data about the issuance of Giro is issued in advance in a batch method from the collection institution that does not have its own DB function, such as collection agency 2 (102-2), integrated management to the database. In addition, the Internet Jiro system 110 is connected to the respective bank server 120 through the financial network to process the payment for giro payment.

Meanwhile, the above-mentioned credit debit system 130 is connected through a plurality of wired bank force terminals 150-1 and a value added communication network 106, and also through a mobile communication company server 140 and a wireless network 108. It is connected to the wireless bank force terminal 150-2 of to manage the bank force terminals and to handle payment. To this end, the credit debit system 130 manages the information on the bank force terminals in the terminal information database 132, and is connected to the Internet branch system 110 to process the notice notice and payment procedures.

In addition, the bank force terminals 150-1 and 150-2 are installed in each business, business, or branch office similarly to credit card checkers, and are classified into wired and wireless applications according to a connection network with the credit debit system 130. do. Since the bank force terminals 150-1 and 150-2 are the same as described above, further description will be omitted to avoid repetition.

The procedure for processing giro / bill payment by the system of the present invention configured as described above will be described.

[Gyro Payment Procedure]

Giro payment is made by the payer 104 by inputting the giro number and the electronic payment number from the bank force terminals 150-1 and 150-2 according to the giro slip issued by the collection agencies 102-1 and 102-2. The process of paying utility bills. For such branch payment, the bank force terminals 150-1 and 150-2 of the present invention perform a screen display and processing procedure for settlement of a branch as shown in FIG. 4.

In other words, when the bank force terminals 150-1 and 150-2 select giro payment, the giro number and the electronic payment number are input according to the type of giro, and the withdrawal account information is input to process the giro payment. In the exemplary embodiment of the present invention, the type of road is illustrated as a general road, a standard OCR, a local tax, and a traffic penalty. However, this is only one example, and various types of roads are possible.

4 is a diagram illustrating a full screen configuration map of a Jiro transaction according to the present invention.

As shown in FIG. 4, the LCD screens of the bank force terminals 150-1 and 150-2 according to the present invention display hierarchical menu screens developed according to a user's selection. There is an initial screen S201 as a top screen, and then lower menu screens for processing a corresponding service are displayed according to a user's selection.

If you select Financial Inquiry on the initial screen, the Financial Inquiry screen (S202) is displayed. If you select Payment of Giro (S203) on the Financial Inquiry screen, you can select General Jiro (S204), Standard OCR (S218), and Local Tax (S224). , Traffic penalty (S225) processing screen is displayed. General road screen is divided into Giro input payment (S205) and Giro inquiry payment (S213), Giro input payment is divided into general OCR (S207) and fixed-term OCR / MICR (S214) after inputting and querying the Giro number (S206). . The general OCR screen includes a customer inquiry number and a withdrawal account related information (S208) input screen, a processing step (S209) display screen, a normal transaction confirmation and a slip print (S210) screen as submenu screens. The Giro inquiry payment section enters the Giro number, electronic payment number and inquiry screen (S214), results display and withdrawal account related information input screen (S215), processing step display screen (S216), normal transaction confirmation and slip printing screen (S217), etc. Includes a sub-menu screen

Standard OCR screen (S218) is composed of KT telephone bill (S219), national pension (S221), health insurance (S222), electricity bill (S223) processing screen, electronic payment number input and billing history inquiry screen (S220), Sub-menu screens such as result display and withdrawal account related information input screen (S215), processing step display screen (S216), normal transaction confirmation and slip print screen (S217).

Local tax and traffic penalties (S224, S225) is the electronic payment number input and billing inquiry inquiry screen (S220), results display and withdrawal account related information input screen (S215), processing step display screen (S216), normal transaction confirmation and slip printing Sub-menu screens such as screen S217.

[Gyro Input Payment Procedure]

Figures 5a and 5b is a flow chart illustrating a procedure for payment of the input to the branch according to the invention.

As shown in Figs. 5A and 5B, the payer 104, who has received the Giro voucher from the collection agencies 102-1 and 102-2, of the bank force terminals 150-1 and 150-2 to pay the Giro amount. Start the operation. At this time, the bank force terminals 150-1 and 150-2 display the initial screen (S301). First, the financial inquiry key of the bank force terminal key input unit 210 is input (S302). Accordingly, on the LCD 208 screen of the bank force terminal, a selection screen for giro payment is displayed, such as "1. Financial inquiry 2. Giro payment" (S303).

The key input unit 210 of the bank force terminals 150-1 and 150-2 selects “2. branch payment unit” (S304). Accordingly, the LCD 208 screen of the bank force terminal displays a screen for selecting a type of branch, such as "1. General land 2. Standard OCR 3. Local tax 4. Traffic penalty" (S305). The key input unit 210 of the bank force terminal selects "1. General location" (S306). Accordingly, a screen for selecting a giro payment method is displayed on the LCD 208 screen of the bank force terminal such as "1. Giro input payment 2. Giro inquiry payment payment" (S307).

As the key input unit 210 of the bank force terminals 150-1 and 150-2, "1. branch input payment" is selected (S308). As a result, the screen of the bank input terminal is displayed on the LCD 208 screen of the bank force terminal as "* jiro input payment * jiro number? []". With the screen display "..", communication is performed for distinguishing between general OCR, fixed amount OCR, and MICR, and inquiring about the name of the billing authority (S309 to S311).

Then, the result of the search for the number is displayed. If the search for the number is normal, the screen is displayed as "Zero number search result 0000 (Note) 1. Correct 2. Re-inquiry". Error 1. Re-enter 2. Exit "screen is displayed (S312 ~ S315).

If it is normal, if "1. correct" is selected, a screen for inputting a customer reference number is displayed, and accordingly inputs a customer reference number (S316, S317). Then enter the payment amount and check number (S318). If a re-entry is selected due to a gyro number error or if a re-review is selected on the gyro-number inquiry result screen, the flow returns to step S310 to perform re-review (S314).

If there is an error in the payment amount or check number after verification, it is possible to re-enter it in step 318, and if it is normal, input the withdrawal bank code and bank account number, and then receive and process the account password (S319 ~ S322). ). The bank force terminals 150-1 and 150-2 display the "payment processing ..." on the LCD screen during the payment processing, and communicate with the credit debit system 130 and the Internet geography system 110 for the payment process. To process

If the payment is successful, it displays the normal payment and prints the document as necessary.If the transaction time is exceeded, it notifies you of the transaction timeout and allows you to select re-transaction or termination. If a processing error occurs, the error details are displayed on the screen. The error content is normally displayed as an error code (S323 to S327).

[Giro inquiry payment procedure]

6A and 6B are flowcharts illustrating a procedure for paying a giro inquiry according to the present invention.

As shown in Figs. 6A and 6B, the payer 104, who has received the giro slip from the collection institutions 102-1 and 102-2, of the bank force terminals 150-1 and 150-2 to pay the giro amount. Start the operation. At this time, the bank force terminals 150-1 and 150-2 display the initial screen (S401). First, the financial inquiry key of the bank force terminal key input unit 210 is input (S402). Accordingly, the LCD screens of the bank force terminals 150-1 and 150-2 display a selection screen for paying giro, such as “1. Financial inquiry 2. Giro payment” (S403).

As the key input unit 210 of the bank force terminal, " 2. Branch payment " is selected (S404). Accordingly, the LCD screen of the bank force terminals 150-1 and 150-2 displays a screen for selecting a type of branch, such as “1. General land 2. Standard OCR 3. Local tax 4. Traffic penalty” (S405). The key input unit 210 of the bank force terminals 150-1 and 150-2 selects “1. General location” (S406). Accordingly, the LCD screen of the bank force terminals 150-1 and 150-2 displays a screen for selecting a giro payment method such as “1. Giro input payment 2. Giro inquiry payment” (S407).

The key input unit 210 of the bank force terminals 150-1 and 150-2 selects “2. Giro inquiry payment unit” (S408). Accordingly, on the LCD 208 screen of the bank force terminals 150-1 and 150-2, the giro inquiry payment screen is displayed as "* Giro inquiry payment * Giro number? []". If you enter the screen to enter the electronic payment number, such as "* jiro inquiry payment * electronic payment number? []" Is displayed accordingly, enter the electronic payment number of 20 digits (S409 ~ S412).

When the Giro number and the electronic payment number are input, the bank force terminal (150-1, 150-2), the credit debit system 130, the Internet Giro system 110 with the screen display "Inquiry of Jiro billing ..." And the collection agency server (102-1, 102-2) communicates between the call details are retrieved (S412).

If the inquiry result does not have a claim history, displays a screen indicating that there is no claim history, such as "* query results * no claim history 1. re-inquiry 2. end", and if there is a inquiry result claim "* query results * xxx (Note) ooo's "1. 2. Close" to display a screen for checking the claim (S413 ~ S415). If the claim is correct, "* query results * amount xxx won due ooo year oo month oo day, 1. 2. A screen for confirming the amount of the bill is displayed, such as "Payment 2.Review" (S413-S415).

When "1. Payment" is selected on the bank force terminals 150-1 and 150-2, the withdrawal bank code and the bank account number are input, and then the account password is received and paid (S416, S417). The bank force terminals 150-1 and 150-2 display the "payment processing ..." on the LCD screen during the payment processing, and communicate with the credit debit system 130 and the Internet geography system 110 for the payment process. Process (S418, S419).

If the payment is successful, it displays the normal payment and prints the document as necessary.If the transaction time is exceeded, it notifies you of the transaction timeout and allows you to select re-transaction or termination. If a processing error occurs, the error details are displayed on the screen. The error content is normally displayed as an error code (S420 to S424).

[Payment by Standard OCR Paper]

7A and 7B are flow charts illustrating a payment process for standard OCR paper according to the present invention.

As shown in FIGS. 7A and 7B, a bank force terminal 150-1 in order to pay a giro amount by a payer 104 who receives a standard OCR journal form such as a telephone charge, national pension, health insurance, electricity rate, etc. from a collection agency, is shown in FIGS. , Start the operation of 150-2). At this time, the bank force terminals 150-1 and 150-2 display the initial screen (S501). First, the financial inquiry key of the bank force terminal key input unit 210 is input (S502). Accordingly, the LCD screens of the bank force terminals 150-1 and 150-2 display a selection screen for paying giro, such as “1. Financial inquiry 2. Giro payment” (S503).

The key input unit 210 of the bank force terminals 150-1 and 150-2 selects “2. branch payment unit” (S504). Accordingly, the LCD screen of the bank force terminals 150-1 and 150-2 displays a screen for selecting a type of a road, such as “1. General land 2. Standard OCR 3. Local tax 4. Traffic penalty” (S505). . The key input unit 210 of the bank force terminals 150-1 and 150-2 selects “2. Standard OCR” (S506). Accordingly, the LCD screen of the bank force terminals 150-1 and 150-2 displays a screen for selecting a fee to be paid, such as "1.KT telephone bill 2.National pension 3.Health insurance 4.Electric bill". (S507).

The fee to be paid by the key input unit 210 of the bank force terminals 150-1 and 150-2 is selected (S508). Accordingly, a screen for receiving a phone number or an electronic payment number is displayed on the LCD screen of the bank force terminals 150-1 and 150-2, and the phone number or the electronic payment number is input to inquire the billing details (S509, FIG. S510). In the case of KT telephone bills, the telephone number can be used as an electronic payment number, and in the case of national pension, health insurance and electricity rates, a maximum of 20 digits of electronic payment numbers can be used. During the inquiry of the billing history, the screen "Inquiry of billing history ..." is displayed on the LCD of the bank force terminals 150-1 and 150-2, and the bank force terminals 150-1 and 150-2 and the credit are displayed. The debit system 130, the Internet branch system 110 and the collection institution server (102-1, 102-2) to retrieve the billing history.

If the inquiry result does not have a claim history, displays a screen indicating that there is no claim history, such as "* query results * no claim history 1. re-inquiry 2. termination", and if the inquiry results claim claims, "* query results *, xxx (Note ) ooo (or phone number), 1. True 2. Close "screen to confirm billing agency name and payer. If the claim is correct, a screen for confirming the claim amount is displayed, such as "* inquiry result * amount xxx yuan, due ooo year oo date oo, 1. payment 2.review" (S511 ~ S513).

When "1. Payment" is selected on the bank force terminals 150-1 and 50-2, the withdrawal bank code and the bank account number are input, and then the account password is input and the payment is processed (S514 to S517). The bank force terminals 150-1 and 50-2 display "Payment processing ..." on the LCD screen during the payment processing, and communicate with the credit debit system 130 and the Internet geography system 110 for the payment process. To process

If the payment is successful, it displays the normal payment and prints the document as necessary.If the transaction time is exceeded, it notifies you of the transaction timeout and allows you to select re-transaction or termination. If a processing error occurs, the error details are displayed on the screen. The error content is normally displayed as an error code (S518 to S522).

[Procedures for Paying Local Taxes / Traffic Penalties]

8a and 8b is a flow chart illustrating a local tax / traffic penalty payment process according to the present invention.

As shown in Figs. 8A and 8B, the payer 104, which has received a journal book such as a local tax or a traffic penalty, from a national agency, manipulates the bank force terminals 150-1 and 150-2 to pay the local tax / traffic penalty. To start. At this time, the bank force terminals 150-1 and 150-2 display the initial screen (S601). First, the financial inquiry key of the bank force terminal key input unit 210 is input (S602). Accordingly, the LCD screens of the bank force terminals 150-1 and 150-2 display a selection screen for paying giro, such as “1. Financial inquiry 2. Giro payment” (S603).

The key input unit 210 of the bank force terminals 150-1 and 150-2 selects “2. branch payment unit” (S604). Accordingly, the LCD screen of the bank force terminals 150-1 and 150-2 displays a screen for selecting a type of road, such as “1. General land 2. Standard OCR 3. Local tax 4. Traffic penalty” (S605). . The key input unit 210 of the bank force terminals 150-1 and 150-2 selects “3. Local Tax or 4. Traffic Penalty” (S606). The procedures for processing local taxes and traffic penalties are the same, so only the case of local taxes will be described below.

Accordingly, a screen for inputting an electronic payment number is displayed on the LCD screens of the bank force terminals 150-1 and 150-2, and an electronic payment number for paying up to 20 digits of local taxes is input to query the billing history. S607, S608). During the inquiry of the billing history, the screen of "Inquiring Billing ..." is displayed on the LCD of the bank force terminals 150-1 and 150-2, and the bank force terminals 150-1 and 150-2 and the credit debit system ( 130), the Internet branch system 110 and the collection agency server (102-1, 102-2) to communicate by calling up the billing history.

If the inquiry result does not have a claim history, displays a screen indicating that there is no claim history, such as "* query results * no claim history 1. re-inquiry 2. end", and if there is a inquiry result claim "* query results * xxx (Note) Dear ooo, 1. True 2. Close. A screen is displayed to confirm the billing agency name and payer. If the claim is correct, a screen for confirming the claim amount is displayed, such as "* Inquiry result * amount xxx yuan, due ooo year oo month oo, 1. payment 2.review" (S609-S611).

When "1. Payment" is selected on the bank force terminals 150-1 and 150-2, the withdrawal bank code and the bank account number are input, and then the account password is received and the payment is processed (S612 to S615). The bank force terminals 150-1 and 150-2 display "Payment processing ..." on the LCD 208 screen during the payment processing, and communicate with the credit debit system 130 and the Internet branch system 110. Process the Jiro payment procedure.

If the payment is successful, it displays the normal payment and prints the document as necessary.If the transaction time is exceeded, it notifies you of the transaction timeout and allows you to select re-transaction or termination. If a processing error occurs, the error details are displayed on the screen. The error content is normally displayed as an error code (S616 to S620).

Although the foregoing description has been made with reference to a preferred embodiment of the present invention, those skilled in the art can variously modify and modify the present invention without departing from the spirit and scope of the present invention as set forth in the claims below. It will be appreciated that it can be changed.

As described above, according to the present invention, a BANK POS terminal widely installed in a store or a branch office can be automatically charged even when the balance is insufficient, and the purchase price can be settled in electronic money, and the Giro book is distributed. The payer can easily and conveniently pay the giro amount.

1A is a schematic diagram showing an overall configuration of a bank force system for charging electronic money according to the present invention.

1B is a schematic diagram showing the overall configuration of a bank force system for branch / bill payment in accordance with the present invention.

2 is a block diagram showing the configuration of a bank force terminal according to the present invention;

3 is a flow chart illustrating an electronic money charging procedure according to the present invention.

4 is a diagram illustrating a full screen configuration map of a trading deal according to the present invention.

Figures 5a and 5b is a flow chart illustrating a branch input payment procedure according to the present invention.

Figure 6a and 6b is a flow chart illustrating a payment procedure for giro inquiry according to the present invention.

7A and 7B are flow charts illustrating a payment procedure for a standard OCR paper according to the present invention.

8A and 8B are flow charts illustrating a local tax / traffic penalty payment procedure in accordance with the present invention.

[Explanation of symbols on the main parts of the drawings]

102-1, 102-2. Collection Agency 104. Payer

106. Value added network (VAN) 108. Wireless network

110. Internet Jiro System 120. Bank Server

130. Credit Debit System 140. Mobile Operator Server

150-1, 150-2. Bank Force Terminal 160. Electronic Money Center System

170. Electronic money VAN system 172. Terminal information DB

Claims (7)

In a financial system consisting of an electronic money center system, an electronic money VAN system connected to a plurality of bank force terminals, a collection institution server, an internet gyro system, a credit debit system connected to a plurality of bank force terminals, and a bank server, Magnetic card reader for reading magnetic cards; IC card reader / writer for reading and writing IC cards; A key input unit for receiving a user operation; A display unit for displaying an operation menu and a processing state; A memory for storing various data and programs; Communication means for communicating with the electronic money VAN system through a communication network; And If the electronic money balance of the card inputted from the IC card lead / writer by the program stored in the memory is less than the transaction amount, the IC communicates with the financial system of the electronic money center system, the electronic money VAN system, and the bank server. While the card is charged by the amount input by the user, payment is made through the key input unit, and when a giro payment is selected, a menu screen for selecting a jiro type is displayed on the display unit. The menu and the processing screen for the display are displayed on the display unit, and a Giro number or an electronic payment number is received and communicated with the financial institution of the collection institution server, the Internet Giro system, the credit debit system, and the bank server through the communication means. After displaying the details, transfer the account from the payment account number entered through the key input unit. Bank force terminal, characterized in that provided with a control unit for processing the payment. The bank force terminal as claimed in claim 1, wherein the communication means is either a wired modem for connecting with a value added communication network or a wireless modem for connecting with a wireless network. In the financial transaction method of a financial system consisting of an electronic money center system, an electronic money VAN system connected to a plurality of bank force terminals, a collection institution server, an Internet GRO system, a credit debit system connected to a plurality of bank force terminals, and a bank server, Receiving a chargeable card; Receiving a payment amount; Comparing the balance of the card with the settlement amount and receiving the charge approval data by performing a predetermined charging procedure by communicating with the electronic money VAN system when the settlement amount exceeds the balance; Charging the electronic money to the card according to the charge approval data; And Electronic money automatic charging method using a bank force terminal, characterized in that it comprises the step of paying the payment amount by the charged card. The method of claim 3, wherein the charging procedure comprises: inputting an electronic money password; Entering an account password; Inputting a charge amount; And And transmitting, by the bank force terminal, the input charging information to the electronic money VAN system to request a charging, and receiving a result thereof. The method of claim 3, wherein the bank force terminal further comprises a branch processing function. The method of claim 5, wherein the branch processing function comprises: displaying a branch type on the screen by the bank force terminal when a branch payment is selected by a key operation of the bank force terminal by a user; Displaying, by the bank force terminal, a giro number and an electronic payment number input screen on a screen to process a corresponding jiro type when a key type of the bank force terminal is selected by a user and a jiro type is selected; When a key operation of the bank force terminal is made by a user and a giro number or electronic payment number is input, the bank force terminal communicating with the credit debit system and inquiring the billing information by the giro number or the electronic payment number; Performing a key payment by the bank force terminal communicating with the credit debit system when a key operation of the bank force terminal is performed by a user to input payment account information; And Electronic money automatic charging method using a bank force terminal, characterized in that it comprises the step of displaying the result of the giro payment processing. 7. The automatic charging method using a bank force terminal according to claim 6, wherein the type of branch is general land, one of standard OCR, local taxes, and traffic penalties, and the general land is divided into a branch input payment and a branch search payment.