KR20070018295A - System for Processing Financial Transaction Data, Devices for Processing Financial Transaction Data, Mobile Devices and Recording Medium - Google Patents

Abstract

The present invention relates to a financial transaction data processing system, a financial transaction data processing apparatus, a wireless terminal, and a recording medium for the same, and includes at least one slip (or form) data and / or predetermined financial data input through a predetermined data input means. A customer wireless terminal and / or a customer wired terminal for transmitting transaction information data and / or scheduled time (or date) information to a financial transaction data processing server (or device) via a communication network, and at least one transmitted from the customer wireless terminal The above document (or form) data and / or predetermined financial transaction information data and / or scheduled time of visit (or date) information are processed in association with the customer information and / or the order number information assigned to the customer to a predetermined storage medium. Store and store the customer information and / or sequence information assigned to the customer and the at least one (Or form) at least one slip (or form) corresponding to the sequence information after providing the data and / or the predetermined financial transaction information data to the teller terminal or receiving the predetermined sequence information from the predetermined teller terminal. And a financial transaction data processing server (or device) for extracting data and / or predetermined financial transaction information data from the storage medium and providing the data to the window terminal. This eliminates the inconvenience of having to wait for the turnover number by visiting the bank or other government offices and handling the work, and minimizes the turnover time and the time required to complete the document (or form). There is an advantage in efficiently processing the underlying financial transactions.

Finance, transaction, data, slip, format

Description

Financial transaction data processing system, financial transaction data processing apparatus and wireless terminal and recording medium therefor {System for Processing Financial Transaction Data, Devices for Processing Financial Transaction Data, Mobile Devices and Recording Medium}

1 is a diagram illustrating a financial transaction data processing system according to an embodiment of the present invention.

2A and 2B illustrate a structure of a storage medium 1 storing slip (or form) data received from a customer terminal according to an embodiment of the present invention.

3 is a diagram illustrating a functional configuration of a customer terminal according to an embodiment of the present invention.

4 is a diagram illustrating a financial transaction procedure using slip (or form) data received from a customer terminal according to an embodiment of the present invention.

5A and 5B illustrate a preferred structure of slip (or form) data transmitted from a customer terminal to a server according to an embodiment of the present invention.

6A, 6B, 6C, and 6D are diagrams illustrating a method of implementing a financial transaction data processing system according to an embodiment of the present invention.

7A and 7B illustrate a process of accessing the server from the customer terminal according to an embodiment of the present invention.

8 is a diagram illustrating a customer wireless terminal screen outputting bank branch information for a customer to visit according to an exemplary embodiment of the present invention.

9A and 9B illustrate a process of generating predetermined slip (or form) data from a customer terminal and transmitting the data to a server according to an embodiment of the present invention.

10A and 10B illustrate a process of generating slip (or form) data according to an embodiment of the present invention.

11 is a diagram illustrating a process of processing a financial transaction through slip (or form) data according to one embodiment of the present invention.

12A, 12B, and 12C illustrate a procedure of generating an authentication code for slip (or form) data according to an embodiment of the present invention.

<Description of main parts of drawing>

100 server 105 receiver

110: storage unit 115: sequence number allocation unit

120: transmission unit 125: the document processing unit

130: data storage unit 135: storage medium (1)

140: storage medium (2) 150: window terminal

160: customer terminal 160a: customer wired terminal

160b: customer wireless terminal 375: input unit

380: receiver 385: transmitter

390: output 600: management server

The present invention provides at least one or more slip (or form) data and / or predetermined financial transaction information data and / or scheduled time of visit (or date) through a predetermined data input means in a predetermined customer wireless terminal and / or a customer wired terminal. At least one slip (or form) data and / or information inputted and transmitted to a financial transaction data processing server (or device) through a communication network and transmitted from the customer wireless terminal by the financial transaction data processing server (or device). The predetermined financial transaction information data and / or scheduled time (or date) information are stored in a predetermined storage medium in association with the customer information and / or the order number information assigned to the customer, and the customer information and / or the Order number information assigned to the customer and the at least one document (or form) data and / or predetermined financial transaction information data After providing to the counter terminal or receiving predetermined sequence information from a predetermined terminal, at least one slip (or form) data and / or predetermined financial transaction information data corresponding to the sequence information is stored in the storage medium. It is to provide a financial transaction data processing system for efficiently processing a window-based financial transactions, and to provide a financial transaction data processing apparatus, a wireless terminal, and a recording medium.

Due to the development of information and communication technology, online financial transactions such as internet banking and / or wireless banking are provided, but the online financial transactions are based on a predetermined financial account opened to the customer, and account and / or deposit and / or withdrawal and / or Or, it provides only simple receiving service such as transfer, and most of financial services except for simple receiving service (or including receiving service) are processed only when the customer visits the bank (or bank branch). .

In most cases, a customer who visits the bank (or bank branch) draws a turn ticket from a predetermined number terminal and transfers predetermined financial transaction information to a predetermined slip (or form) sheet provided in the bank (or bank branch). After filling in, it is necessary to wait a long time at the bank (or bank branch) until the turn indicated in the turn table is reached, which is not only very inconvenient for the customer but also inefficiently wastes time. .

The present invention is derived to solve the above problems, at least one slip (or form) data and / or predetermined financial transactions through a predetermined data input means in a predetermined customer wireless terminal and / or a customer wired terminal A financial transaction data processing system, and a financial transaction data processing device and a wireless data processing system, characterized by inputting information data and / or scheduled time (or date) information to a financial transaction data processing server (or device) through a communication network. It is aimed at terminals and recording media.

Another object of the present invention is to receive at least one or more voucher (or form) data and / or predetermined financial transaction information data and / or scheduled time (or date) information from the customer wireless terminal and / or customer wired terminal. The financial transaction data processing server (or device) may be configured to transmit at least one slip (or form) data and / or predetermined financial transaction information data and / or scheduled time (or date) information transmitted from the customer wireless terminal. And store in a predetermined storage medium in association with customer information and / or order information assigned to the customer, the customer information and / or order information assigned to the customer and the at least one slip (or form) data and / or Or provide predetermined financial transaction information data to a counter terminal, or receive predetermined sequence information from a predetermined counter terminal. A financial transaction data processing system, characterized in that for extracting at least one document (or form) data and / or predetermined financial transaction information data corresponding to the order information from the storage medium and providing the same to the counter terminal; Financial transaction data processing apparatus, a wireless terminal and a recording medium for this purpose.

Financial transaction data processing system of the present invention or a customer wireless terminal for transmitting a predetermined financial transaction information data to the financial transaction data processing server (or device) via a communication network; And storing at least one slip (or form) data and / or predetermined financial transaction information data transmitted from the customer wireless terminal in association with the customer information and / or order information assigned to the customer and storing the data in a predetermined storage medium. And provide the customer information and / or the order number information assigned to the customer and the at least one slip (or form) data and / or the predetermined financial transaction information data to a teller terminal, or from a given teller terminal. After receiving the turn information, financial transaction data processing server for extracting at least one document (or form) data and / or predetermined financial transaction information data corresponding to the turn information from the storage medium to provide to the teller terminal ( Or an apparatus).

In addition, another financial transaction data processing system of the present invention is a financial transaction data processing server (or at least one slip (or form) data and / or predetermined financial transaction information data input through a predetermined data input means through a communication network (or Customer wired terminal); And storing at least one slip (or form) data and / or predetermined financial transaction information data transmitted from the customer wired terminal in association with the customer information and / or order information assigned to the customer and storing the data in a predetermined storage medium. And provide the customer information and / or the order number information assigned to the customer and the at least one slip (or form) data and / or the predetermined financial transaction information data to a teller terminal, or from a given teller terminal. After receiving the turn information, financial transaction data processing server for extracting at least one document (or form) data and / or predetermined financial transaction information data corresponding to the turn information from the storage medium to provide to the teller terminal ( Or an apparatus).

According to an embodiment of the present invention, it is preferable that the customer wireless terminal or wired terminal further transmits scheduled visit time (or date) information to the financial transaction data processing server (or device).

According to an embodiment of the present invention, when the financial transaction data processing server (or device) further transmits scheduled visit time (or date) information from the customer wireless terminal or a wired terminal, it is further stored in the storage medium. And / or to transmit the order information assigned to the customer to the customer wireless terminal, and / or to transmit the order information assigned to the customer to the customer wired terminal and / or the customer wireless terminal. Do.

According to an embodiment of the present invention, when the visited time (or date) information is transmitted from the customer terminal in the financial transaction data processing system, the visited wired terminal and / or minutes to tens of minutes before the scheduled visit time (or date). Or it is preferable to transmit the order information assigned to the customer to the customer wireless terminal.

In addition, when the financial transaction data processing system transmits the order information allocated to the customer to the customer wired terminal and / or the customer wireless terminal, it is preferable to further transmit the predetermined time required information until the order arrival.

According to an embodiment of the present invention, when the order number information assigned to the customer transmits the scheduled time (or date) information from the client terminal, after confirming the sequence number minutes to several tens of minutes before the scheduled time (or date), It is preferable that the sequence information is assigned to the customer in correspondence with the confirmed sequence number.

According to the method of the present invention, the financial transaction information data preferably includes at least one or more financial institution visit purpose data, customer financial transaction account (or card) information data, and customer information data.

According to an embodiment of the present invention, the customer wireless terminal transmits the at least one slip (or form) data and / or predetermined financial transaction information data to the financial transaction data processing server (or device) through local area communication. It is preferable.

According to an embodiment of the present invention, the financial transaction data processing system further includes a storage medium that stores the document (or form) data transmitted from the customer terminal and / or the document (or form) data processed by the teller terminal. It is preferable to make it.

According to an embodiment of the present invention, it is preferable that the at least one slip (or form) data and / or the predetermined financial transaction information data include at least one authentication information of the customer.

According to an embodiment of the present invention, it is preferable that the at least one slip (or form) data and / or the predetermined financial transaction information data include at least one authentication information of the customer.

According to an embodiment of the present invention, the customer authentication information includes biometric information such as the fingerprint of the customer, and / or the authentication information of the customer, and / or the resident registration information of the customer, and / or the seal image information of the customer. It is preferable to comprise at least one or more.

According to an embodiment of the present invention, the at least one slip (or form) data and / or the predetermined financial transaction information data is an electronic slip corresponding to a slip (or form) provided by a customer to a bank window or a customer service center window. It is preferable to include (or form).

Another financial transaction data processing system of the present invention provides a communication network with at least one slip (or form) data and / or predetermined financial transaction information data and scheduled time (or date) information inputted through a predetermined data input means. Customer wireless terminal for transmitting to the financial transaction data processing server (or device) through; And associate at least one slip (or form) data and / or predetermined financial transaction information data and scheduled visit time (or date) information transmitted from the customer wireless terminal with the customer information and / or the customer wireless terminal information. Store the data in a predetermined storage medium, check the order number minutes or tens of minutes before the scheduled visit time (or date) of the customer, and assign the order number to the customer corresponding to the confirmed order number, and assign the order number information assigned to the customer to the customer. And a financial transaction data processing server (or apparatus) for transmitting to a wireless terminal.

In addition, another financial transaction data processing system of the present invention provides at least one slip (or form) data and / or predetermined financial transaction information data and scheduled time (or date) information inputted through a predetermined data input means. Customer wired terminal for transmitting to the financial transaction data processing server (or device) through a communication network; And at least one slip (or form) data and / or predetermined financial transaction information data and scheduled visit time (or date) information transmitted from the customer wired terminal in association with the customer information and / or the customer communication means information. Store the data in a predetermined storage medium, check the order number minutes or tens of minutes before the scheduled visit time (or date) of the customer, and assign the order number to the customer corresponding to the confirmed order number, and assign the order number information assigned to the customer to the customer. It characterized in that it comprises a; financial transaction data processing server (or device) for transmitting to the communication means.

According to an embodiment of the present invention, when the sequence information allocated to the customer is transmitted from the financial transaction data processing system to the customer wireless terminal and / or the customer communication means, further transmitting the predetermined time required information until reaching the sequence number. desirable.

According to an embodiment of the present invention, the financial transaction data processing server (or apparatus) may include the customer information and / or order information assigned to the customer, the at least one slip (or form) data, and / or a predetermined financial transaction. After providing the information data to the counter terminal or receiving the predetermined sequence information from the predetermined counter terminal, the at least one slip (or form) data and / or the predetermined financial transaction information data corresponding to the sequence information are recalled. It is preferable to extract from the storage medium and provide the same to the window terminal.

According to an embodiment of the present invention, the financial transaction data processing system further includes a storage medium that stores the document (or form) data transmitted from the customer terminal and / or the document (or form) data processed by the teller terminal. It is preferable to make it.

According to an embodiment of the present invention, it is preferable that the at least one slip (or form) data and / or the predetermined financial transaction information data include at least one authentication information of the customer.

According to an embodiment of the present invention, it is preferable that the at least one slip (or form) data and / or the predetermined financial transaction information data include at least one authentication information of the customer.

According to an embodiment of the present invention, the customer authentication information includes biometric information such as the fingerprint of the customer, and / or the authentication information of the customer, and / or the resident registration information of the customer, and / or the seal image information of the customer. It is preferable to comprise at least one or more.

According to an embodiment of the present invention, the at least one slip (or form) data and / or the predetermined financial transaction information data is an electronic slip corresponding to a slip (or form) provided by a customer to a bank window or a customer service center window. It is preferable to include (or form).

According to the method of the present invention, the financial transaction information data preferably includes at least one or more financial institution visit purpose data, customer financial transaction account (or card) information data, and customer information data.

According to an embodiment of the present invention, the customer wireless terminal transmits the at least one slip (or form) data and / or predetermined financial transaction information data to the financial transaction data processing server (or device) through local area communication. It is preferable.

Financial transaction data processing apparatus of the present invention includes a receiving unit for receiving at least one slip (or form) data and / or predetermined financial transaction information data from the customer terminal; A storage unit storing the received at least one slip (or form) data and / or predetermined financial transaction information data in association with the customer information and / or order information assigned to the customer, and storing the received at least one slip (or form) data on a predetermined storage medium; A sequence number allocation unit for assigning sequence numbers to the customers; And providing the customer information and / or the order number information assigned to the customer and the at least one slip (or form) data and / or the predetermined financial transaction information data to the teller terminal, or the predetermined sequence number from the teller terminal. And a voucher processing unit for extracting at least one voucher (or form) data and / or predetermined financial transaction information data corresponding to the sequence information from the storage medium and providing the information to the counter terminal. It is characterized by.

According to an embodiment of the present invention, the receiving unit preferably receives the scheduled visit time (or date) information from the customer terminal, and the storage unit further stores the scheduled visit time (or date) information on the storage medium. It is desirable to.

According to an exemplary embodiment of the present invention, when the sequence number assignment unit transmits the scheduled visit time (or date) information from the client terminal, the sequence number assignment unit checks the sequence number minutes to tens of minutes before the scheduled visit time (or date), and then checks the sequence number. Correspondingly, assigning turn numbers to customers is desirable.

According to an embodiment of the present invention, it is preferable that the financial transaction data processing apparatus further comprises a transmission unit for transmitting the order information allocated to the customer to the customer-owned wireless terminal or communication means.

According to an exemplary embodiment of the present invention, when the visited time (or date) information is transmitted from the customer terminal in the financial transaction data processing apparatus, the customer-owned wireless terminal or a few minutes before the scheduled time (or date) visits the visited time. Preferably, the order information assigned to the customer is transmitted to the communication means, and / or when the order information assigned to the customer is transmitted to the customer-owned wireless terminal or the communication means, further information about the required time required until the order is reached. It is desirable to transmit.

According to an embodiment of the present invention, the financial transaction data processing apparatus stores the document (or form) data transmitted from the customer terminal and / or the document (or form) data processed by the window terminal in a predetermined storage medium. It is preferable to further comprise a slip (or form) data storage.

According to the method of the present invention, the financial transaction information data preferably includes at least one or more financial institution visit purpose data, customer financial transaction account (or card) information data, and customer information data.

According to the present invention, each of the device components may be provided in a single device (or server) or may be provided in a plurality of devices (or servers), whereby the present invention is not limited.

In addition, the financial transaction data processing apparatus may be formed of a single device (or server), or may be composed of a plurality of devices (or servers), and the present invention is not limited thereto.

According to an embodiment of the present invention, the customer terminal preferably comprises a wireless terminal and / or a wired terminal.

According to an embodiment of the present invention, it is preferable that the at least one slip (or form) data and / or the predetermined financial transaction information data include at least one authentication information of the customer.

According to an embodiment of the present invention, the customer authentication information includes biometric information such as the fingerprint of the customer, and / or the authentication information of the customer, and / or the resident registration information of the customer, and / or the seal image information of the customer. It is preferable to comprise at least one or more.

According to an embodiment of the present invention, the at least one slip (or form) data and / or the predetermined financial transaction information data is an electronic slip corresponding to a slip (or form) provided by a customer to a bank window or a customer service center window. It is preferable to include (or form).

According to the invention, the recording medium provided in the financial transaction data processing apparatus is characterized in that for recording a program for executing the function of the device component.

Another financial transaction data processing apparatus of the present invention includes a receiving unit for receiving at least one or more slip (or form) data and / or predetermined financial transaction information data and scheduled visit time (or date) information from a customer terminal; Process the received at least one slip (or form) data and / or predetermined financial transaction information data and scheduled time (or date) information in association with the customer information and / or the customer wireless terminal (or communication means) information. A storage unit for storing in a predetermined storage medium; A sequence number assignment unit for confirming the sequence number minutes to several tens of minutes before the scheduled visit time (or date) of the customer, and assigning the sequence number to the customer corresponding to the confirmed sequence number; And a transmission unit for transmitting the order number information assigned to the customer to the customer wireless terminal.

According to an embodiment of the present invention, the financial transaction data processing apparatus is configured to window the customer information and / or the order number information assigned to the customer, the at least one slip (or form) data and / or predetermined financial transaction information data. After providing to the terminal or receiving predetermined sequence information from a predetermined window terminal, at least one document (or form) data and / or predetermined financial transaction information data corresponding to the sequence information are extracted from the storage medium. And a slip processing unit provided to the counter terminal, and / or slip (or form) data and / or predetermined financial transaction information data transmitted from the customer terminal and / or processing at the counter terminal. Imported document (or form) data and / or predetermined financial transaction information data to a predetermined storage medium. Chapter is preferably slip (or form) and / or data obtained by further comprising a financial transaction information data storage unit configured to.

According to an embodiment of the present invention, the transmission unit preferably transmits the predetermined time required information until the sequence arrival, when transmitting the sequence information assigned to the customer to the customer wireless terminal and / or customer communication means.

According to the present invention, each of the device components may be provided in a single device (or server) or may be provided in a plurality of devices (or servers), whereby the present invention is not limited.

According to an embodiment of the present invention, the customer terminal preferably comprises a wireless terminal and / or a wired terminal.

According to the present invention, the financial transaction data processing apparatus may be made of a single device (or server), or a plurality of devices (or servers), and the present invention is not limited thereto.

According to an embodiment of the present invention, the at least one slip (or form) data and / or predetermined financial transaction information data may include at least one authentication information of the customer, wherein the customer authentication information is It is preferable to include at least one or more biometric information such as a fingerprint of the customer, and / or the authentication information of the customer, and / or resident registration information of the customer, and / or the tensile image information of the customer.

According to an embodiment of the present invention, the at least one slip (or form) data and / or the predetermined financial transaction information data is an electronic slip corresponding to a slip (or form) provided by a customer to a bank window or a customer service center window. It is preferable to include (or form).

According to the method of the present invention, the financial transaction information data preferably includes at least one or more financial institution visit purpose data, customer financial transaction account (or card) information data, and customer information data.

According to the invention, the recording medium provided in the financial transaction data processing apparatus is characterized in that for recording a program for executing the function of the device component.

In the present invention, the wireless terminal outputs the document (or form) data and / or the predetermined financial transaction information data corresponding to the document (or form) selection signal input through the predetermined data (or signal) input means on the screen. An output unit; An input unit for inputting at least one or more data input through the data (or signal) input means to at least one or more input areas included in the output slip (or form) data and / or predetermined financial transaction information data; And a transmission unit which transmits the input one or more slip (or form) data and / or predetermined financial transaction information data to a server (or device) on a communication network.

According to an embodiment of the present invention, it is preferable that the wireless terminal further transmit predetermined scheduled time (or date) information to the server (or device), and / or the predetermined sequence number in the server (or device). When transmitting information, it is preferable to further comprise a receiving unit for receiving it.

According to an embodiment of the present invention, the at least one slip (or form) data and / or predetermined financial transaction information data may include at least one authentication information of the customer, wherein the customer authentication information is It is preferable to include at least one or more biometric information such as a fingerprint of the customer, and / or the authentication information of the customer, and / or resident registration information of the customer, and / or the tensile image information of the customer.

According to an embodiment of the present invention, the at least one slip (or form) data and / or the predetermined financial transaction information data is an electronic slip corresponding to a slip (or form) provided by a customer to a bank window or a customer service center window. It is preferable to include (or form).

According to the invention, the recording medium provided in the wireless terminal is characterized in that for recording a program for executing the wireless terminal function.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention to be carried out below the financial transaction data processing device and / or financial transaction data processing server (or device) for convenience of explaining the technical components constituting the present invention bank (or bank branch) for convenience The server is provided in the), and the functional configuration provided in the server is described as being provided in the server, but those skilled in the art to which the present invention belongs, the functional configuration provided in the server Obviously, at least two or more servers may be separated from each other by interworking with a predetermined network and / or communication means (for example, mutually transmitting and receiving information or data for realizing server function) according to the intention of those skilled in the art. I can understand.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a financial transaction data processing system according to an embodiment of the present invention.

More specifically, Figure 1 is provided with a predetermined configuration of the server 100 and the financial transaction data processing server (or device) functional configuration provided in the bank and / or bank branch to process the document (or form), the present invention Those skilled in the art will clearly understand the various embodiments in which the functional configuration is provided separately from at least two servers 100 (or devices) with reference to FIG. 1.

Referring to Figure 1 in accordance with a preferred method of the present invention, the financial transaction data processing system includes at least one slip (or form) data (e.g., a customer slip (or written by a customer) entered through a predetermined data input means. Data) and / or predetermined financial transaction information data and / or scheduled time of visit (or date) information and / or customer authentication information to the financial transaction data processing server 100 (or device) via a communication network. Wireless terminal 160b and / or customer wired terminal 160a and at least one voucher (or form) data and / or predetermined financing transmitted by the customer wireless terminal 160b and / or customer wired terminal 160a. Transaction information data and the scheduled visit time (or date) information are processed in association with the customer information and / or the customer wireless terminal 160b information to a predetermined storage medium (1) 135. Check the order number minutes to tens of minutes before the scheduled visit time (or date) of the customer, and assign the order number to the customer in response to the confirmed order number, and transmit the order number assigned to the customer to the customer wireless terminal 160b. It comprises a server 100 for transmitting.

Hereinafter, for convenience, the slip (or form) data and / or predetermined financial transaction information data are designated and used as slip (or form) data. It will be described that the financial transaction information data is included in a part of the slip (or form) data. However, if one of ordinary skill in the art to which the present invention pertains excludes the document (or form) related information from the document (or form) data to be described later, the purpose of visiting the financial institution and the customer financial transaction account (or card) It will be clearly understood that the information corresponds to financial transaction information data including at least one of customer information data, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the server 100 is provided with a bank server 100, and / or is provided with at least one or more bank branch servers 100, and / or in conjunction with a predetermined bank slip (or It is possible to be provided in the server 100 on the network managed by the agency on behalf of the form) management, by which the present invention is not limited. In addition, the functional configuration included in the server 100 is included in one server 100 system according to the intention of those skilled in the art, or consists of one server 100 system as shown in Figure 1, or each function More than one means may be composed of two or more server 100 system, by which the present invention is not limited.

The customer wireless terminal 160b and / or the customer wired terminal 160a may be a wired terminal 160a including a desktop computer and a notebook computer, and / or a personal communication system (PCS) and / or GSM ( Global System for Mobile communications terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smartphone ( And a wireless terminal 160b including a smart phone) and / or telematics and / or a wireless data communication terminal and / or a portable internet terminal.

According to an embodiment of the present invention, the customer wireless terminal 160b may be a predetermined wireless network (for example, when the customer wireless terminal 160b is a mobile communication terminal, a code division multiple access (CDMA) based mobile communication network) and a network. It is preferable to connect a predetermined communication channel with the server 100 through a means 155 (eg, a gateway for relaying the wireless network and the server 100), and the customer wired terminal 160a is connected to a predetermined Internet. (E.g., a wired network based on TCP / IP (Transmission Control Protocol / Internet Protocol)) and a network means 155 (e.g., a gateway for relaying the Internet and the server 100). It is desirable to connect the communication channels. Hereinafter, the customer wireless terminal 160b and / or the customer wired terminal 160a will be referred to as the customer terminal 160 for convenience.

According to FIG. 1, the financial transaction data processing system includes at least one window terminal 150 connected to a bank (or bank branch) through the server 100 and a predetermined financial transaction communication means 145. The window terminal 150 processes a financial transaction corresponding to the slip (or form) data in conjunction with a predetermined financial system 450 connected through the financial transaction communication means 145.

In addition, the financial transaction data processing system includes at least one voucher (or form) data and the voucher received from the customer terminal 160 on a network connected to a bank (or bank branch) and / or the server 100. (Or form) storage medium (1) and (135) for linking the order number information assigned to the data, the storage medium (1) (135) is characterized in that the document (or form) data and the Store and / or associate visited time (or date) information received from the customer terminal 160, and / or store and associate customer information corresponding to the customer who sent the slip (or form) data, and / or The customer wireless terminal 160b (or communication means) is preferably stored in association with the information.

In addition, the financial transaction data processing system may include at least one document (or form) data for which a financial transaction has been processed from the window terminal 150 on a bank (or bank branch) and / or a network connected with the server 100. A storage medium (2) (140) for storing, wherein the storage medium (2) (140) is provided with the voucher (or form) data and predetermined financial transaction information provided from the teller terminal 150 according to an implementation method. To store and / or to associate and store a predetermined document (or form) authentication code generated by applying a predetermined hash function to the document (or form) data and / or financial transaction information. It is preferable.

Referring to FIG. 1, the server 100 includes a receiving unit 105 for receiving at least one or more slip (or form) data and / or scheduled time (or date) information from a predetermined customer terminal 160. The received at least one slip (or form) data and / or scheduled time of visit (or date) information may be combined with predetermined sequence information and / or the customer information and / or the customer wireless terminal 160b (or communication means) information. The storage unit 110 is stored in a predetermined storage medium (1) (135) in association with the process, a sequence number allocation unit (115) for assigning a predetermined sequence number to the customer, and the sequence number information assigned to the customer The transmission unit 120 for transmitting to the wireless terminal 160b and the customer information and / or the order number information assigned to the customer and the at least one slip (or form) data are provided to the counter terminal or a predetermined counter. Predetermined from the terminal After receiving the order information, the document processing unit 125 for extracting at least one document (or form) data corresponding to the order information from the storage medium (1) (135) provided to the window terminal comprises a; And a document storing the document (or form) data transmitted from the customer terminal 160 and / or the document (or form) data processed by the counter terminal in a predetermined storage medium (2) (140). It is preferable that the data storage unit 130 is further provided.

The receiving unit 105 may receive at least one slip (or form) data from the client terminal 160 through a predetermined Internet or wireless network and a predetermined network means 155. Form) The data includes at least one financial transaction slip (or form) and a financial statement (or form) necessary for the customer to visit the bank (or bank branch) and make a financial transaction through the window.

According to an embodiment of the present invention, the slip (or form) data received through the receiving unit 105 may be information data received through a form form included in a web document on a wired Internet and / or a wireless Internet. And / or an electronic document having a predetermined segment structure.

According to an exemplary embodiment of the present invention, the receiving unit 105 further includes information on scheduled visit (or date) for the customer to visit the bank (or bank branch) in the process of receiving the slip (or form) data. It is preferable to receive, such that the sequence number assignment unit 115 of the server 100 allows the customer to allocate the optimal sequence number that can immediately process the financial transaction without waiting for the scheduled visit time (or date) do.

According to an exemplary embodiment of the present invention, the receiving unit 105 receives the at least one slip (or form) data and / or scheduled time (or date) information from the customer terminal 160 to the customer. It is preferable to further receive corresponding predetermined customer authentication information, wherein the customer authentication information is fingerprint, hand shape, iris, voice, face, signature, retina, vein shape and / or DNA (Deoxyribo Nucleic) for the customer. Biometric information including at least one acid and the like, and / or public certificate information of the customer (for example, public certificate information included in an integrated circuit (IC) chip mounted or detached from the customer wireless terminal 160b), or Public certificate information provided in the customer wired terminal 160a, public certificate information provided in the customer-owned medium (for example, an IC card), and / or resident registration certificate of the customer. It is (for example, the ID card information, or image information such as ID card having the IC chip based on ID card), and / or stamp image information of the customer may be made of, including at least one. For example, if the customer authentication information is the official certificate information, the slip (or form) data is preferably received by digitally signing the slip (or form) data through the customer's private key provided in the certificate And, if the customer authentication information is biometric information such as the fingerprint of the customer, and / or the ID card information of the customer, and / or the seal image information of the customer, the customer authentication information is attached to the slip (or form) data. It is desirable to be. Of course, the method of receiving the customer authentication information can be easily changed and carried out according to the intention of the skilled person, and the present invention is not limited thereto.

The storage unit 110 stores at least one slip (or form) data received from the customer terminal 160 through the receiving unit 105 in a predetermined storage medium (1) 135, and When a predetermined sequence number is assigned to the document (or form) data by the sequence number assignment unit 115, the document (or form) data is stored in association with the sequence number information.

According to an embodiment of the present invention, the storage unit 110 stores the customer information and / or the customer wireless data in order to increase the efficiency of financial transaction processing of the teller terminal 150 in the process of storing the slip (or form) data. It is preferable to store the data in a predetermined storage medium (1) 135 in association with the terminal (160b) (or communication means) information, the customer information D / customer provided in the financial system 450 Preferably, it is extracted from B (not shown), and the customer wireless terminal 160b (or communication means) information is extracted from predetermined customer information D / B (not shown) provided in the financial system 450, And / or included in the slip (or form) data from the customer terminal 160 (eg, including the customer wireless terminal 160b (or communication means) information in the customer contact of the slip (or form) data). Or, and / or award If the customer terminal 160 is a wireless terminal (160b) are preferably extracted from the calling party information in the course of receiving the document (or format) data.

The sequence number assignment unit 115 allocates a predetermined sequence number to the document (or form) data when at least one document (or form) data is received from the customer terminal 160 through the receiving unit 105. Or when at least one slip (or form) data and scheduled time (or date) information is received from the customer terminal 160 through the receiving unit 105 or the storage unit 110. Stores the document (or form) data and the scheduled time (or date) information in the storage medium (1) 135, reads the scheduled time (or date) information to read the document (or form). ) A predetermined order is assigned to the data.

According to an exemplary embodiment of the present invention, when at least one slip (or form) data and scheduled time of visit (or date) information are received from the customer terminal 160 through the receiving unit 105 or the storage unit. When the 110 stores the document (or form) data and the scheduled visit time (or date) information in the storage medium (1) 135, the sequence number assignment unit 115 stores the storage medium (1) ( 135 to calculate the average counter terminal 150 processing time by reading the information stored in (for example, the past certain time (for example, past 30 minutes from the present) based on the current time to the bank (or branch) for the predetermined time. Calculate the processing time of the average teller terminal 150 by dividing by the number of financial transactions processed through the at least one provided teller terminal 150, and calculate the wait time for processing the unprocessed financial transaction based on the current time (eg Multiply the number of unprocessed financial transactions based on the current time and the processing time of the average teller terminal 150 to calculate the present wait time based on the current time), and add the wait time to the current time to obtain the document (or form) data When the order number is immediately added to the current final order number, the document (or form) data is calculated at the current time based financial transaction estimated time to be financed through the window terminal 150.

After the current time-based financial transaction estimated time for the at least one document (or form) data received from the customer terminal 160 is calculated as described above, the sequence allocation unit 115 estimates the current time-based financial transaction estimated time. By comparing the visited time (or date) information received from the customer terminal 160 with the visitor terminal 160, it is determined whether to assign the order number immediately to the document (or form) data or to assign the order number after a predetermined time elapses. . For example, when the estimated time of the financial transaction based on the current time is later than the scheduled visit time (or date), the sequence number assignment unit 115 allocates the document (or form) data immediately to the sequence number of the customer. Minimize turnaround time. On the other hand, when the estimated time of the financial transaction based on the current time is earlier than the scheduled visit time (or the date), the sequence number allocation unit 115 determines that the estimated time of the financial transaction based on the current time corresponds to the scheduled visit time (or the date). After waiting for a matching time point or a threshold moving from previous to subsequent (eg, average counter terminal 150 processing time and / or counter waiting time and / or waiting time while continuously calculating financial transaction based on the current time) Afterwards, the document (or form) data is assigned an immediate turn, allowing the customer to process a financial transaction without waiting immediately upon visiting the bank.

The transmitter 120 transmits the sequence number information assigned to the customer to the customer terminal 160 after predetermined sequence number information is allocated to the customer by the sequence number assigning unit 115. In the transmission of the assigned sequence number information, information on a predetermined time required until the sequence number is reached to the client terminal 160 (for example, the processing time of the average window terminal 150 calculated by the sequence number assigning unit 115 based on the current time); It is preferable to further include in the sequence information transmitted to the customer terminal 160 the estimated time required to reach the sequence number, which is calculated by multiplying the number of financial transaction waiting numbers of the allocated sequence number.

The voucher processing unit 125 extracts the customer information and / or order information assigned to the customer and the at least one voucher (or form) data from the storage medium (1) 135 to provide a predetermined financial value to the customer. After transmitting to a predetermined window terminal 150 that provides a transaction, or receiving financial transaction target sequence information from the window terminal 150, at least one document (or form) data corresponding to the sequence is stored. It is characterized in that it is extracted from the medium (1) 135 and provided to the window terminal.

According to an exemplary embodiment of the present invention, the slip processing unit 125 may include at least one window terminal that completes a financial transaction process for a previous customer among at least one window terminal 150 provided in the bank (or branch). 150) (e.g., searching the window terminal 150 that completed the financial transaction processing for a predetermined visitor in conjunction with the bank account system (and / or foreign exchange system, investment system, etc. according to the implementation method)) When a predetermined window terminal 150 having completed the previous financial transaction processing is searched, a document (or a form) corresponding to the order corresponding to the first order among the order numbers stored in the storage medium (1) 135 is searched. It is preferable that the data is extracted and provided to the teller terminal 150, and / or from at least one teller terminal 150 provided at the bank (or bank branch) from a predetermined teller terminal 150. (Or a form) a data request signal (for example, order information for which the counter terminal 150 intends to process a financial transaction, and / or order number corresponding to a first order among order numbers stored in the storage medium (1) 135). Information), and extract the document (or form) data corresponding to the first order among the order numbers stored in the storage medium (1) 135 and provide the same to the counter terminal 150. After providing the document (or form) data stored in the storage medium (1) (135) to the window terminal (150) through the process, the document processing unit (125) stores the storage medium (1). It is preferable to move to the previous rank through the sequence update process of "N = N-1" with respect to the subsequent rank number after the first rank of 135.

The data storage unit 130 is a slip (or form) data (for example, a customer slip (or form) data created by the customer) transmitted from the customer terminal 160, and / or from the teller terminal 150 Receive document (or form) data for which the transaction has been completed (eg, bank document (or form) data that the bank should keep as a result of financial transaction processing) and store the received document (or form) data in the storage medium (2). ) 140, characterized in that the storage.

According to the method of the present invention, the document (or form) data in the process of receiving the document (or form) data (= bank document (or form) data) for which the financial transaction processing is completed from the window terminal 150. It is preferable that the financial transaction information processed through the reception is further included, and the data storage unit 130 processes the document (or form) data and the financial transaction information in association with the storage medium (2) (140). It is preferable to store in.

According to an embodiment of the present invention, the financial transaction information is input to the window terminal 150 through the window staff in the process of processing the financial transaction through the slip (or form) data in the window terminal 150. Biometric information, such as fingerprints of the customer, obtained through information, and / or the counter staff information, and / or the customer authentication information (eg, a biometric device (not shown) connected to the counter terminal 150), and / or the Authorized certificate information of the customer obtained through an IC card reader (not shown) and / or a PIN pad connected to the window terminal 150, and / or the resident registration card of the customer obtained through a predetermined image scanning device. Information, and / or tensile image information of the customer, etc.).

According to one embodiment of the invention, the data storage unit 130 is stored by the bank and / or third parties after the voucher (or form) data is stored in the storage medium (2) (140) In order to ensure that the integrity of the document (or form) data is not compromised, a document (or form) authentication code is generated by applying a predetermined hash function to the document (or form) data, It is preferable to store the slip (or form) data and the slip (or form) authentication code in the storage medium (2) 140.

According to another exemplary embodiment of the present invention, the data storage unit 130 may ensure the integrity of the slip (or form) data and the integrity of the financial transaction information at the same time. Concatenate transaction information, generate a document (or form) authentication code by applying a predetermined hash function to the concatenated document (or form) data and financial transaction information, and generate the document (or form) data and / or financial transaction. It is preferable to store the information in the storage medium (2) 140 in association with the slip (or form) authentication code.

According to another exemplary embodiment of the present invention, the data storage unit 130 may separately or collectively ensure the integrity of the slip (or form) data and the integrity of the financial transaction information. Generate a verification code (1) by applying a predetermined hash function to the data, generate a verification code (2) by applying a predetermined hash function to the financial transaction information, the authentication code (1) and the authentication code (2) ), And then apply a predetermined hash function to the concatenated authentication code (1) and authentication code (2) to generate a document (or form) authentication code, the document (or form) data and / or finance The transaction information and the document (or form) authentication code (and / or authentication code (1) and authentication code (2) may be further included depending on the implementation method) to store in the storage medium (2) (140) It is preferable. In this case, the integrity of the document (or form) data is guaranteed by the authentication code (1), the integrity of the financial transaction information is guaranteed by the authentication code (2), and the document (or form) Integrated integrity of the data and financial transaction information is ensured by the slip (or form) authentication code.

2A and 2B illustrate a structure of a storage medium (1) 135 for storing slip (or form) data received from a customer terminal 160 according to an embodiment of the present invention.

More specifically, FIGS. 2A and 2B receive predetermined slip (or form) data and / or scheduled time (or date) information and / or customer authentication information from the customer terminal 160, and the financial system 450 Extracting the customer information and / or customer wireless terminal 160b (or communication means) information of the customer from the storage medium (1) (135), this figure 2a is the storage medium (1) (B) assigns a predetermined sequence number to the slip (or form) data received from the customer terminal 160 and stores the same in the storage medium (1) (135). The present invention relates to a case in which a sequence number is allocated to a slip (or form) data received from the terminal 160 and null information received from a predetermined number table terminal provided in the bank (or bank branch).

2a shows a window terminal 150 for processing a sequence number assigned by a predetermined number ticket terminal provided in the bank (or bank branch) among at least one window terminal 150 provided in the bank (or bank branch). ) And the window received from the customer terminal 160 when the window terminal 150 for processing the order number corresponding to the document (or form) data received from the customer terminal 160 is separated. (Or format) shows the structure of the storage medium (1) 135 for processing the order assigned in correspondence with the data.

In addition, FIG. 2B shows a sequence number in which at least one or more window terminals 150 provided in the bank (or bank branch) are assigned by a predetermined number tag terminal provided in the bank (or bank branch) and the customer terminal 160. In the case of sequentially processing without separating the order number corresponding to the document (or form) data received from the customer, the order number corresponding to the document (or form) data received from the customer terminal 160 is determined. The structure of the storage medium (1) 135 for processing is shown.

That is, in FIG. 2B, the ticket (or form) data and / or scheduled time (or date) information and / or the customer are assigned to a sequence number assigned by a predetermined number terminal provided in the bank (or bank branch). Authentication information and / or customer information and / or wireless terminal 160b (or communication means) information is not included. However, when the predetermined number of customer identification information corresponding to the customer is read by the number table terminal according to an implementation method (for example, when the predetermined customer identification information is read through a customer-owned card and / or a customer-owned RFID). ) May store the customer information in the structure of the storage medium (1) (135).

2A and 2B, the storage medium (1) 135 includes a data field for storing a turn number, a data field for storing a rank, a data field for storing customer information, and a customer wireless terminal 160b. (Or communication means) a data field for storing information, a data field for storing document (or form) data received from the customer terminal 160, a data field for storing visited time (or date) information, and It includes a data field for storing predetermined customer authentication information.

The data field for storing the sequence number may store information in which a predetermined number is assigned in order to process a financial transaction through at least one window terminal 150 provided in the bank (or bank branch).

The data field for storing the ranking may store information in which the order corresponding to the current financial transaction to be processed is the first order among the order numbers, and when the financial transaction for the order corresponding to the current first order is processed. The next rank after the first rank (for example, 2 rank, 3 rank, 4 rank, ... N rank, etc.) is characterized by moving to the previous rank by repeating the process of "N = N-1".

The data field for storing the customer information includes customer personal information including the customer's name, social security number, and address, and includes at least one or more financial account information opened to the customer, and / or purchased from the customer (or Investment) and / or at least one financial product information to be sold to the customer by the bank (or bank branch).

The data field storing the slip (or form) data received from the customer terminal 160 may store predetermined slip (or form) data received through the customer terminal 160. In Fig. 2b, unstructured document (or form) data is stored. However, the document (or form) data may store the document (or form) data in a predetermined structured manner depending on the implementation method.

The data field for storing the scheduled time (or date) information is characterized by storing the scheduled time (or date) information received from the customer terminal 160, thereby the bank (or bank) in the customer At the time of the visit, a predetermined sequence number is assigned such that the customer sequence number is the first rank.

The data field for storing the customer authentication information may include biometric information such as fingerprint of the customer received from the customer terminal 160, and / or authentication information of the customer, and / or resident registration information of the customer, and / or the And store predetermined customer authentication information including at least one or more tensile image information of the customer.

3 is a diagram illustrating a functional configuration of a customer terminal 160 according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a diagram of the customer terminal 160 in which a mobile communication terminal connecting to a mobile communication network based on code division multiple access (CDMA) transmits predetermined slip (or form) data to the server 100. In the case of performing a function, the server 100 may be configured to transmit predetermined document (or form) data and / or scheduled time (or date) information to the server 100.

Those skilled in the art to which the present invention pertains, with reference to FIG. 3, predetermined slip (or form) data and / or scheduled time (or date) information to the server 100 in addition to the mobile communication terminal. It would be easy to infer the preferred functional configuration of the customer wireless terminal 160b and / or the customer wired terminal 160a of the other type for transmitting. As a result, the technical claims of the present invention are not limited to the case of the mobile communication terminal illustrated in FIG.

In terms of hardware, the customer wireless terminal 160b providing a mobile communication service includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna, a battery 325, and the like. Internally, a predetermined modem chip incorporating functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), a vocoder, and the like (e.g., an MSM series modem chip from Qualcomm, USA) And various memory elements, a duplexer filter that separates transmission and reception signals from one antenna, a power amplifier for amplifying a transmission signal, a high power amplifier (HPA), and an isolator for preventing a high power transmission signal from being reversed. Isolator), RF / IF SAW filter for removing out-of-band unwanted signals, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, reference clock source VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. Elements are gradually integrated into the modem chip, and in addition to the core components for the mobile communication service, the modem chip is integrated with various functions for various multimedia services and / or additional services.

Referring to FIG. 3, the customer wireless terminal 160b for transmitting predetermined slip (or form) data and / or scheduled time (or date) information to the server 100 is basically a screen with the controller 305. And an output unit 310, a sound processor 315, a key input unit 320, a wireless processor 330, a short range communication unit 335, a memory unit 370, and a battery 325 for power supply. IC chip 355 mounted on or detached from the customer wireless terminal 160b and an IC chip reader unit 350 for reading / writing predetermined information or data to the IC chip 355 and the customer wireless terminal. And a functional configuration including a camera 360 mounted or detached from the camera 160b and a camera unit 365 for reading predetermined image information from the camera 360.

The control unit 305 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program for providing a function unique to the customer wireless terminal 160b from a predetermined memory element. Routine and / or a bus for inputting and outputting program data (BUS) and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that it comprises a predetermined memory device and / or chipset in software Generic term of program routines and / or program data loaded from the execution memory into the execution memory and processed by the processor to perform specific functions (hence, in the present invention, predetermined slip (or form) data to the server 100). And / or recorded on the recording medium of the customer wireless terminal 160b to transmit the scheduled time (or date) information. A predetermined program routine is illustrated and illustrated as being provided in the control unit 305 for convenience.) By the control unit 305, various functions to be implemented in the customer wireless terminal 160b are realized. It is characterized in that to control and manage the overall operation of the customer wireless terminal (160b) in order to realize such functions. In particular, when power is input to the customer wireless terminal 160b to perform a function of the controller 305 for controlling and managing the overall operation of the customer wireless terminal 160b, an operating system routine stored in a predetermined memory element is provided. , System management routines, and / or system variables are loaded into the execution memory and computed by the processor to serve as variables for providing an operating system, system management program, and / or mobile communication service.

The screen output unit 310 is a liquid crystal display (LCD) driver for outputting a screen and is a key input unit 320 by the controller 305 (eg, a program routine for outputting predetermined information or data to the LCD). Key data generated through the &lt; RTI ID = 0.0 &gt; And / or multimedia content) to a predetermined screen output device (for example, an LCD panel), and the screen output unit 310 is interlocked with a screen output device (LCD) by the server 100. It is desirable to perform the function of the information output unit 390 for outputting predetermined information required in the process of transmitting predetermined document (or form) data and / or scheduled time (or date) information.

The sound processor 315 encodes a predetermined sound signal input from a microphone provided in the customer wireless terminal 160b and provides the sound signal to the controller 305, or the controller 305 extracts and / or generates the sound signal. A predetermined sound signal may be decoded and output through a speaker. A predetermined vocoder and a codec are provided in the sound processor 315 for this purpose. The sound processor 315 performs a function of a sound input unit provided in the customer wireless terminal 160b through the microphone, or is provided in the customer wireless terminal 160b through the sound processor 315 and a speaker. Functions as a sound output means.

The key input unit 320 includes a predetermined key having at least one key button including a predetermined number key and / or a character key and / or a function key. Detects information (or signal) input from the keypad, and selects a predetermined key provided in the keypad in a specific input mode and / or operation mode of the customer wireless terminal 160b controlled by the controller 305. When predetermined information (or signal) is input from the button, a key event (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the input information (or signal) is generated, and the generated key event is controlled by the controller 305. The controller 305 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the customer wireless terminal 160b (eg, Read key data into the key event from a key table that stores (manages) at least one key data corresponding to a specific key event in each customer wireless terminal 160b input mode and / or operation mode, and / or And a command for executing a predetermined function that is matched with a key event. The keypad including the key input unit 320 and at least one key button interlocks with each other to perform a function of data input means provided in the customer wireless terminal 160b.

The wireless processing unit 330 may be associated with the control unit 305 (eg, a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control. Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service. And an RF processing function (eg, performing antenna control, modulating, synthesizing, amplifying and / or filtering the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 330 processes the information or signal transmitted from the customer wireless terminal 160b to the base station to provide the mobile communication service to a CDMA stack, or from a CDMA stack received from the base station. It provides a function for reading information or signals.

According to an exemplary embodiment of the present invention, the customer wireless terminal 160b connects a base station on a predetermined mobile communication network with a predetermined wireless section through the wireless processing unit 330, and connects a predetermined wired section including the base station. It is preferable to connect a predetermined communication channel with the server 100 provided on the mobile communication network and / or a predetermined communication network in conjunction with the mobile communication network.

According to another embodiment of the present invention, if the customer wireless terminal 160b of FIG. 3 is a portable Internet terminal, the wireless processing unit 330 accesses the portable Internet network, and transmits predetermined slip (or form) data to the server 100. And / or a functional configuration for providing a predetermined portable Internet service (eg, wireless data communication, or Voice over IP (VoIP) based voice call) for transmitting scheduled time of visit (or date) information.

The short range communication unit 335 may include infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi and ultra-wideband. A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or a driver for the short range wireless communication in software. .

According to an exemplary embodiment of the present invention, the customer wireless terminal 160b connects a wireless section for connecting a predetermined short range device 340 and a predetermined short range wireless communication session through the short range communication unit 335, and the short range. It is preferable to connect a predetermined communication channel with a server 100 provided on a predetermined communication network through a wired section including a predetermined network to which the apparatus 340 is connected.

According to an exemplary embodiment of the present invention, the customer wireless terminal 160b connects a wireless section for connecting a predetermined short range device 340 and a predetermined short range wireless communication session through the short range communication unit 335, and the short range. The device 340 is preferably connected to the teller terminal 150 of the server 100 and / or the bank (or branch) visited by the customer, whereby the customer communicates with the communication unit 335 on the basis. It is possible to provide a predetermined authentication number to the server 100 and / or the counter terminal 150.

The memory unit 370 registers when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the customer wireless terminal 160b is performed. (A) general term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and EEPROM Programmable Read Only Memory). In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the customer wireless terminal 160b and information or data therefor. The EEPROM stores at least one information and / or data extracted and / or generated during the execution of an application included in the terminal registration related parameter and phone number (eg, address book) or the customer wireless terminal 160b. Is stored.

The IC chip reader unit 350 is an IC chip-related functional configuration (for example, a customer wireless terminal) provided in the customer wireless terminal 160b through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443. IC chip agent program included in 160b) and the IC chip 355 mounted or detached from the customer wireless terminal 160b to provide information and / or data exchange. For example, the IC chip reader unit 350 provides information and / or data exchange between the IC chip agent program and the IC chip 355 through an application protocol data unit (APDU).

Referring to standards including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 355 mounted or detached from the customer wireless terminal 160b may include a power supply (VCC), a reset signal (RST), Communication with the IC chip reader unit 350 (eg, command or data exchange, etc.) via contact points such as clock signal CLK, ground GND, programming power supply (VPP), and / or input / output (I / O). A processor unit comprising an input / output interface, a CPU (Central Process Unit), an MPU (Micro Process Unit), and / or a coprocessor (Coprocessor), a read-only memory (ROM), The memory unit includes at least one memory device including a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like, and in particular, at least one memory device ( For example, in a ROM) A chip operating system (COS) for managing and operating a secondary resource is stored. When a predetermined power is supplied from the IC chip reader unit 350 through a power supply (VCC) contact point of the input / output interface, the memory is stored. The COS stored in the unit is loaded into a predetermined execution memory to control the overall operation of the IC chip 355 and based on the clock frequency (eg, 3.57 MHz or 4.9 MHz) of the contact point of the clock signal CLK (APDU). Protocol Data Unit) controls the exchange of information or data between the IC chip 355 and the IC chip reader unit 350.

The camera unit 365 reads raster-based CCD image information from a camera 360 including a predetermined optical unit and a charge coupled device (CCD) device in a bitmap manner, and controls the image information in a control unit 305. It is characterized by inputting).

Referring to FIG. 3, the customer wireless terminal 160b outputs a document (or form) data corresponding to a document (or form) selection signal input through predetermined data (or signal) input means on a screen. The input unit 375 and the input unit for inputting at least one or more data input through the unit 390 and the data (or signal) input unit to at least one or more input areas included in the output document (or form) data. And a transmitting unit 385 for transmitting the at least one document (or form) data to the server 100 (or device) on the communication network, wherein the server 100 (or device) When the sequence information is transmitted, it is preferable to further include a receiving unit 380 for receiving it.

The output unit 390 outputs an interface screen for inputting predetermined slip (or form) information to the screen of the customer wireless terminal 160b in cooperation with the screen output unit 310. In operation 375, the key input unit 320 may receive predetermined slip (or form) information through the interface screen.

According to an exemplary embodiment of the present invention, the output unit 390 and the input unit 375 are connected to the server 100 by a wireless internet method, and input predetermined slip (or form) information from the server 100. It is preferable to receive a predetermined wireless page corresponding to a predetermined interface screen for output to the screen of the customer terminal 160, and input at least one or more information (or form) information into a form of the wireless page. .

According to another exemplary embodiment of the present invention, the output unit 390 and the input unit 375 are predetermined slip (or form) programs provided in the customer wireless terminal 160b and include predetermined slip (or form) information. It is preferable to output a predetermined interface screen for input on the screen of the customer wireless terminal 160b and to input at least one information (or form) information through the interface.

According to another exemplary embodiment of the present invention, when at least one or more financial information corresponding to the customer is stored in the IC chip 355, the input unit 375 may input at least one or more information (or format) to be input to the interface screen. It is possible to include reading information from the IC chip 355 and automatically inputting it.

The transmitter 385 transmits predetermined document (or form) data including at least one document (or form) information input through the input unit 375 to the server 100. Information on the server 100 through which the customer wireless terminal 160b transmits the slip (or form) data is input through the key input unit 320 and / or the server to which the transmission unit 385 first connects ( It is all possible to select automatically in 100).

According to an embodiment of the present invention, the transmission unit 385 transmits the slip (or form) data to the server 100 through a wireless Internet method, and / or is provided in the customer wireless terminal 160b. It is possible to transmit to the server 100 by the slip (or form) program of the.

When the receiver 380 transmits predetermined sequence information from the server 100, the receiver 380 receives the sequence number information and outputs the sequence information on the screen of the customer wireless terminal 160b through the output unit 390. Characterized in that, if the received turn information further includes the predetermined time required to reach the turn, it is preferable to output the estimated time required until the turn on the screen of the customer wireless terminal (160b).

4 is a diagram illustrating a financial transaction procedure using slip (or form) data received from the customer terminal 160 according to an embodiment of the present invention.

In more detail, Figure 4 receives at least one document (or form) data from the customer terminal 160, at least one or more provided in the bank (or bank branch) using the document (or form) data It relates to a method for processing a predetermined financial transaction in the window terminal 150.

Referring to FIG. 4, the customer terminal 160 visits the bank (or branch) to generate at least one customer document (or form) data for processing a financial transaction (400), and the document (or Form) data and / or scheduled time (or date) information is transmitted to the server 100 (405), and the server 100 receives the received document (or form) data for the customer and scheduled time of visit (or A predetermined sequence number is assigned to the date) information and stored in the storage medium (1) 135 (410).

When the financial transaction order information is assigned to the customer document (or form) data as described above and stored in the storage medium (1) 135, the server 100 transmits the financial transaction order information to the customer terminal 160. In step 415, it is output.

A customer who has transmitted the document (or form) data and / or scheduled time (or date) information to the server 100 through the customer terminal 160 visits the bank (or bank branch) (420). When the server 100 reaches the first rank of the visiting customer, the server 100 transmits the customer slip (or form) data to the predetermined window terminal provided in the bank (or bank branch). In step 425, the counter terminal 150 processes a financial transaction in association with the financial system 450 based on the customer slip (or form) data (430).

The financial system 450 in which the customer-owned financial account (or financial product) is opened and operated includes an accounting module 460 for a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch, and the headquarters. The information system module 465 for the processing of business operations, branch office information support, and customer relationship management, and the financial system 450 and homes, businesses, stores, and other external computer networks are connected to various electronic financial services (eg, Internet banking, External module 455 that provides phone banking, Cash Dispenser (CAD) / Automatic Teller Machine (ATM), line transfer, call center, and financial settlement), and middleware that provides an interface between components in the financial system 450 (Intermediate module) corresponding to (Middleware) and predetermined information required for performing each function in the components in the financial system 450 (for example, customer-owned financial account ( And a DBMS (Database Management System) 475 for storing and managing financial products) or customer ledger information or management information), and the types of financial institutions (eg, commercial banks, savings banks, trust banks, Credit card company) and at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown) may be further included according to the purpose and characteristics of the financial system 450. It is possible.

When the financial transaction is processed for the customer slip (or form) data through the financial system 450, the teller terminal 150 may determine a predetermined bank slip (or correspondence) for the customer slip (or form) data. Form) data, and provide the bank slip (or form) data and / or predetermined financial transaction information generated in the financial transaction process to the server 100 (435).

The server 100 corresponds to the document (or form) data received from the customer terminal 160 by storing the bank document (or form) data in the storage medium (2) 140 (440). Complete the financial transaction.

5A and 5B illustrate a preferred structure of slip (or form) data transmitted from the customer terminal 160 to the server 100 according to the embodiment of the present invention.

In more detail, FIG. 5A shows a preferred structure of unstructured journal (or formatted) data, and FIG. 5B shows a preferred structure of structured journal (or formatted) data.

Referring to FIG. 5A, unstructured document (or form) data may comprise at least one document (or form) data (eg, a first document (or form) segment, a second document (or form) segment, or the like). N document (or form) segment, etc.), wherein the document (or form) segment comprises a field identifier, a separator, and field data.

2A and 2B, when the first document (or form) segment is a transaction code segment, the segment is formed as "TRAN_CODE = PS", where "TRAN_CODE" corresponds to a field identifier. "=" Corresponds to a delimiter and "PS" corresponds to field data. Of course, the segment structure can be changed and used within the scope not violating the technical idea of the present invention according to the intention of the person skilled in the art to practice the present invention.

Referring to FIG. 5B, structured document (or form) data includes a predetermined document (or form) code for identifying the type and / or total length of the document (or form) and at least one document (or form). It consists of a document (or form) data block in which the information is stored. Preferably, the slip (or format) information has a certain length (e.g., 10-byte character array, 2-byte integer, 4-byte integer, etc.).

6A, 6B, 6C, and 6D illustrate a method of implementing a financial transaction data processing system according to an embodiment of the present invention.

In more detail, in FIG. 6A, the server 100 and / or the storage medium (1) 135 and / or the storage medium (2) 140 are provided at a central computer center of a bank, and at least one bank branch is provided. At least one window terminal 150 for communicating with the server 100 through a predetermined financial transaction communication means 145 (for example, a financial common network) is provided, and FIG. 6b shows the server 100. And / or storage medium (2) (140) is provided in the central computer center of the bank, at least one or more bank branches at least one communicating with the server 100 through a predetermined financial transaction communication means (145) The above window terminal 150 and the storage medium (1) 135 is provided with an implementation method, Figure 6c is the storage medium (2) 140 is provided in the central computer center of the bank, at least one or more The bank branch has a predetermined financial transaction with the storage medium (2) (140). The embodiment is provided with the branch server 100 and / or the storage medium (1) 135 to communicate via the communication means 145, Figure 6d is a central computer center of the bank at least one or more banks The management server 600 and the storage medium (2) 140 for managing at least one branch server 100 provided in the branch, the storage medium (2) 140 and at least one bank branch The branch server 100 and / or the storage medium (1) 135 to communicate via a predetermined financial transaction communication means 145 is provided.

Those skilled in the art to which the present invention pertains may refer to various embodiments of the financial transaction data processing system (for example, at least two servers 100) with reference to FIGS. 6A, 6B, and 6C. Since the separation of the above system can be easily implemented in a central computer center of the bank and / or distributed in each bank branch), a detailed description thereof will be omitted for convenience.

7A and 7B illustrate a process of accessing the server 100 from the customer terminal 160 according to an embodiment of the present invention.

In more detail, FIGS. 7A and 7B show that the server 100 is located in a central computer center of a bank as shown in FIGS. 6A and / or 6B when the customer terminal 160 is a predetermined customer wireless terminal 160b. ), And / or the management terminal 600 for managing at least one or more branch office server 100 in the central computer center of the bank as shown in Figure 6d, the customer terminal 160 The process of accessing the server 100 (or the management server 600) to automatically select a bank (or bank branch) to be visited by the customer. A process of automatically selecting a bank (or bank branch), and FIG. 7b shows a bank (or bank branch) to be visited by the customer through a predetermined document (or form) program provided in the wireless terminal 160b. Automatically selected It is about the process.

Referring to FIG. 7A, when the wireless terminal 160b accesses the server 100 (or the management server 600) provided in the central computer center of the bank through a predetermined wireless Internet (700), the server ( 100 is connected to a predetermined positioning server 100 (not shown) and / or a predetermined GPS (Global Positioning System) system (not shown) provided in the customer wireless terminal 160b of the wireless terminal 160b. In operation 705, the server 100 extracts at least one bank branch information visitable from the current location of the wireless terminal 160b in the server 100.

According to an exemplary embodiment of the present invention, the server 100 may determine a location between the bank branch location information (for example, the address of the bank branch) stored in the DBMS of the financial system 450 and the current location information of the wireless terminal 160b. Calculate the distance of and determine at least one bank branch from the closest distance to the bank branch that the customer can visit.

When at least one bank branch information that can be visited by the customer is extracted as described above (710), the server 100 transmits and outputs bank branch information as shown in FIG. 8 to the wireless terminal 160b (715). The wireless terminal 160b selects a bank branch to be visited by the customer based on the bank branch information, generates and transmits predetermined slip (or form) data to the server 100 provided in the bank branch.

Referring to FIG. 7B, a slip (or form) program included in the wireless terminal 160b may include a predetermined GPS system provided in a predetermined positioning server 100 (not shown) and / or the customer wireless terminal 160b. (Not shown) identifies the current location of the wireless terminal 160b (720), and extracts at least one bank branch information that can be visited by the customer based on the current location of the wireless terminal 160b ( 725).

According to an exemplary embodiment of the present invention, location information of a bank branch corresponding to a bank linked to the slip (or form) program is stored in a memory unit of the customer wireless terminal 160b, and the wireless terminal 160b. By comparing the current location of the wireless terminal 160b and the location information of the bank branch, it is preferable to extract at least one bank branch information that the customer can visit.

According to another exemplary embodiment of the present invention, the customer wireless terminal 160b transmits current location information of the wireless terminal 160b to a server 100 (or a management server 600) on a network, and the server ( It is possible to receive at least one bank branch information visited by the customer from 100 (or management server 600).

When at least one bank branch information that can be visited by a customer is extracted as described above (725), the server 100 transmits and outputs bank branch information as shown in FIG. 8 to the wireless terminal 160b (730). The wireless terminal 160b selects a bank branch to be visited by the customer based on the bank branch information, generates and transmits predetermined slip (or form) data to the server 100 provided in the bank branch.

8 is a diagram illustrating a screen of a customer wireless terminal 160b for outputting bank branch information for a customer to visit according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a customer wireless terminal that outputs at least one bank branch information visited by the customer based on the current location of the wireless terminal 160b extracted through the process of FIGS. 7A and 7B. 160b) for the screen.

According to another exemplary embodiment of the present invention, the customer wireless terminal 160b does not output bank branch information that the customer can visit as shown in FIG. 8, and the bank branch that the customer visits in the customer wireless terminal 160b. It is possible to connect to the branch server 100 by directly inputting the connection information of the branch server 100 provided in the server.

9A and 9B illustrate a process of generating predetermined slip (or form) data from the client terminal 160 and transmitting the predetermined slip (or form) data to the server 100 according to an exemplary embodiment of the present invention.

In more detail, FIG. 9A illustrates a case in which predetermined slip (or form) data is generated in the customer terminal 160 and transmitted to the server 100. FIG. 9B is predetermined in the customer terminal 160. This is for the case where the document (or form) data and the scheduled time (or date) information are transmitted to the server 100.

Referring to FIG. 9A, the customer terminal 160 includes a predetermined document corresponding to a financial transaction (for example, deposit, withdrawal, or bank transfer) that the customer visits and processes at the bank (or bank branch). A form) selection menu (eg, a deposit document selection menu, a withdrawal document selection menu, etc.) is output (900), and if a predetermined document (or form) is selected through the document (or form) selection menu (905), In operation 910, a predetermined document (or form) creation interface corresponding to the selected document (or form) is output on the screen of the customer terminal 160 as shown in FIGS. 10A and / or 10B.

When the document (or form) creation interface is output as described above, the customer terminal 160 inputs predetermined document (or form) information as shown in FIGS. 10A and / or 10B through the document (or form) creation interface. In operation 920, predetermined document (or form) data is generated and the generated document (or form) data is transmitted to the server 100 (920).

The server 100 receiving the document (or form) data from the customer terminal 160 allocates a predetermined sequence number to the document (or form) data (925), and assigns the document (or form) data. It is stored in the storage medium (1) (135) in association with the customer information and / or customer wireless terminal 160b (or communication means) information of (930).

According to an embodiment of the present invention, the server 100 increases one last sequence number (eg, "N") among at least one or more sequence numbers stored in the storage medium (1) 135 (eg, "N + 1"). ") To assign a sequence number to the received document (or form) data.

When the document (or form) data is stored in the storage medium (1) 135 as described above, the server 100 selects whether to provide the order number information assigned to the customer to the customer-owned wireless terminal 160b. If it is selected to provide the allocated sequence number information to the wireless terminal 160b (935), the server 100 checks the sequence number assigned to the customer through the storage medium (1) (135) and In operation 940, it is determined whether to provide predetermined sequence arrival time information in the sequence information.

If only the customer's order information is provided to the wireless terminal 160b (945), the server 100 transmits and outputs the confirmed order information to the wireless terminal 160b (950), while the customer's order information is provided. If the turnover information includes the estimated time required to reach a predetermined turn (for example, if the visited time (or date) information is stored in the storage medium (1) 135)) (945), the server ( 100 is calculated based on the turn information to calculate the estimated time required until the arrival of the customer (955), and transmits the confirmed turn information and the estimated time required to reach the turn to the wireless terminal (160b) Output 960.

Referring to FIG. 9B, after the customer terminal 160 performs the processes 900 to 915 of FIG. 9A, and a predetermined document (or form) data is generated, the customer terminal 160 generates the document ( Or input a predetermined scheduled time (or date) information for the customer to visit the bank (or bank branch) through a form creation interface (970), and the document (or form) data to the server 100 And the scheduled time (or date) information of the visit is transmitted (975).

The server 100 receiving the document (or form) data and the scheduled time of visit (or date) information may link the document (or form) data and scheduled time of visit (or date) information to the storage medium 1. In step 980, the scheduled time of visit (or date) information and a predetermined sequence number are allocated to calculate predetermined sequence waiting time information based on the information stored in the storage medium (1) (135). In operation 985, it is determined whether or not to allocate a sequence number to the customer by comparing the visited time (or date) information of the customer with the calculated sequence waiting time information.

According to the embodiment of the present invention, the turn assignment process preferably allocates the turn order of the customer to the first rank at the time when the customer visits the bank (or bank branch).

If the customer's order number is assigned (990), the server 100 performs the process (925 ~ 965) of Figure 9a.

10A and 10B illustrate a process of generating slip (or form) data according to an embodiment of the present invention.

More specifically, FIG. 10A illustrates that predetermined document (or form) data is generated by inputting predetermined document (or form) information through a wire-based document (or form) creation interface in the customer wired terminal 160a. FIG. 10B illustrates that predetermined document (or form) data is generated by inputting predetermined document (or form) information through the wireless-based document (or form) creation interface in the customer wireless terminal 160b. .

11 is a diagram illustrating a process of processing a financial transaction through slip (or form) data according to one embodiment of the present invention.

In more detail, in FIG. 11, the server 100 searches for the window terminal 150 in the financial transaction completion state (or the idle state) among at least one or more window terminals 150 provided in the bank (or bank branch). In the process of providing a document (or form) data to the window terminal 150 to process a financial transaction, a person of ordinary skill in the art to which the present invention pertains, with reference to FIG. Requests a predetermined document (or form) data from the window terminal 150 in the financial transaction completion state (or the idle state) among the predetermined window terminals 150 provided in the bank (or bank branch) to the server 100. Therefore, the process of processing financial transactions can be easily inferred.

Referring to FIG. 11, the server 100 finances among at least one window terminal 150 provided in a bank (or bank branch) to provide the slip (or form) data to a predetermined window terminal 150. In operation 1100, the window terminal 150 is searched for a transaction completion state (or idle state).

If the window terminal 150 of the financial transaction completion state (or the idle state) is found in the bank (or bank branch) (1105), the server 100 is a first from the storage medium (1) 135 After extracting the document (or form) data and / or customer information of the ranking (1110) and providing the extracted document (or form) data and / or customer information to the retrieved teller terminal 150 (1115), The counter terminal 150 receives the document (or form) data (for example, bank document (or form) data) and / or financial transaction information from which the financial transaction is processed (1120).

If the document (or form) data (for example, bank document (or form) data) and / or financial transaction information for which a financial transaction is processed is received from the window terminal 150 (1125), the server 100 is It is determined whether to generate a predetermined authentication code for the slip (or form) data (1130).

According to an exemplary embodiment of the present invention, the step 1130 of determining whether the authentication code is generated in the server 100 may be omitted according to the policy of the server 100.

If a predetermined authentication code for the document (or form) data is not generated (1135), the server 100 stores the document (or form) data and / or financial transaction information for which the financial transaction has been processed. (2) (140) by storing (1140), the financial transaction corresponding to the document (or form) data is completed.

On the other hand, if a predetermined authentication code for the document (or form) data is generated (1135), the server 100 applies a predetermined hash function to the document (or form) data and / or financial transaction information. By generating an authentication code (1145) and storing the slip (or form) data and / or financial transaction information and the generated authentication code in the storage medium (2) 140 (1150), the slip ( Or form) a financial transaction corresponding to the data.

12A, 12B, and 12C illustrate a procedure of generating an authentication code for a slip (or form) data according to an embodiment of the present invention.

More specifically, FIG. 12A illustrates a predetermined hash function of the document (or form) data to ensure that the integrity of the document (or form) data stored in the storage medium (2) 140 is not compromised. Is for the process of generating a document (or form) authentication code, and FIG. 12B shows that the integrity of the document (or form) data and / or financial transaction information stored in the storage medium (2) 140 is not compromised. Concatenate the document (or form) data and the financial transaction information to ensure that the document is simultaneously stored, and apply a predetermined hash function to the concatenated document (or form) data and the financial transaction information to verify the document (or form). 12C shows an individual / integrated view that the integrity of the document (or form) data and / or financial transaction information stored in the storage medium (2) 140 is not compromised. In order to save, to generate a verification code (1) by applying a predetermined hash function to the document (or form) data, to generate a verification code (2) by applying a predetermined hash function to the financial transaction information, After concatenating the authentication code (1) and the authentication code (2), in the process of generating a slip (or form) authentication code by applying a predetermined hash function to the connected authentication code (1) and authentication code (2) It is about.

Referring to FIG. 12A, the data storage unit 130 of the server 100 applies a predetermined hash function to document (or form) data (for example, bank document (or form) data) processed by the financial transaction. Generates a predetermined document (or form) authentication code (1200), associates the document (or form) data with the document (or form) authentication code, and stores it in the storage medium (2) (140) (1205). In this way, the integrity of the document (or form) data is guaranteed, and in order to enhance the integrity guarantee, the document (or form) authentication code is stored in a storage medium other than the storage medium (2) 140 (eg, Storage medium provided in the certification authority).

According to a preferred embodiment of the present invention, the method for confirming the integrity of the document (or form) data is a document (or form) stored in the storage medium (2) 140 by a predetermined integrity checking means (not shown). ) Generates a predetermined authentication code by applying the same hash function as the process 1200 to the data, and compares the generated authentication code with the slip (or form) authentication code stored in the storage medium (2) (140) Doing so ensures the integrity of the document (or form) data.

Referring to FIG. 12B, the data storage unit 130 of the server 100 connects the document (or form) data (for example, bank document (or form) data) for which the financial transaction is processed with the financial transaction information ( 1210) generates a document (or form) authentication code by applying a predetermined hash function to the concatenated document (or form) data and financial transaction information (1215), and generates the document (or form) data and financial transaction information. The generated document (or form) authentication code is stored in the storage medium (2) (140) in association with (1220), thereby ensuring the integrity of the document (or form) data and financial transaction information at the same time, In order to enhance the integrity guarantee, the slip (or form) authentication code may be stored in a storage medium other than the storage medium (2) 140 (eg, a storage medium provided in a certification authority).

According to a preferred embodiment of the present invention, a method of simultaneously verifying the integrity of the slip (or form) data and the financial transaction information may be performed by the predetermined storage medium (not shown) on the storage medium (2) (140). Extract and concatenate the stored document (or form) data and financial transaction information, and generate a predetermined authentication code by applying the same hash function as the process 1215 to the concatenated document (or form) data and financial transaction information. In addition, the integrity of the document (or form) data and financial transaction information is simultaneously confirmed by comparing the generated authentication code with the document (or form) authentication code stored in the storage medium (2) 140.

Referring to FIG. 12C, the data storage unit 130 of the server 100 applies a predetermined hash function to document (or form) data (for example, bank document (or form) data) processed by the financial transaction. Generating an authentication code (1) (1225), generates a verification code (230) by applying a predetermined hash function to the financial transaction information (1230), and concatenates the authentication code (1) and the authentication code (2) After that (1235), a predetermined hash function is applied to the concatenated authentication code (1) and the authentication code (2) to generate a document (or form) authentication code (1240), and the document (or form) data and The financial transaction information is stored in the storage medium (2) 140 in association with the document (or form) authentication code (1245), whereby the integrity of the document (or form) data and the financial transaction information is integrated. And the voucher (or form) verification code to enhance the integrity guarantee It may be stored in a storage medium other than the storage medium (2) (140) (for example, storage medium provided in the certification authority).

According to an exemplary embodiment of the present invention, the data storage unit 130 associates the slip (or form) data with financial transaction information and the slip (or form) authentication code to the storage medium (2) 140. In the storing process, it is preferable to store the authentication code (1) and the authentication code (2) in the slip (or form) authentication code in the storage medium (2) (140), whereby the slip ( Or form) the integrity of the data and financial transaction information is individually guaranteed.

According to a preferred embodiment of the present invention, the method for individually checking the integrity of the slip (or form) data and the financial transaction information may include the storage medium (2) (140) by predetermined integrity checking means (not shown). Applying the same hash function as the process 1225 to the document (or form) data stored in the to generate a predetermined authentication code (1 '), the generated authentication code (1') to the storage medium (2) ( The integrity of the voucher (or form) data is individually verified by comparison with the authentication code 1 stored at 140. In addition, the integrity checking means (not shown) generates a predetermined authentication code 2 'by applying the same hash function as the process 1230 to the financial transaction information stored in the storage medium (2) (140), The integrity of the financial transaction information is individually verified by comparing the generated authentication code 2 'with the authentication code 2 stored in the storage medium 2 or 140.

In addition, the method of integrally confirming the integrity of the slip (or form) data and financial transaction information, the authentication code (1 ') and the authentication code (2') generated by the predetermined integrity check means (not shown) Concatenates and generates a predetermined authentication code by applying the same hash function as the process 1240 to the concatenated authentication code (1 ') and the authentication code (2'), and generates the generated authentication code to the storage medium (2) Integrately verify the integrity of the financial transaction information by comparing with the document (or form) authentication code stored in (140).

According to the present invention, when the customer visits the bank or other government offices, etc., and handles the work, the customer can eliminate the inconvenience of having to wait for the turn by pulling the number one by one, minimizing the turn-by time and the time (or form) While doing so, there is an advantage of efficiently handling window-based financial transactions.

Claims (61)

A customer wireless terminal transmitting at least one slip (or form) data and / or predetermined financial transaction information data input through a predetermined data input means to a financial transaction data processing server (or device) through a communication network; And At least one slip (or form) data and / or predetermined financial transaction information data transmitted from the customer wireless terminal are stored in a predetermined storage medium in association with the customer information and / or order information assigned to the customer. , Providing the customer information and / or order number information assigned to the customer and the at least one slip (or form) data and / or predetermined financial transaction information data to a teller terminal, or After receiving predetermined order information from a predetermined teller terminal, at least one document (or form) data and / or predetermined financial transaction information data corresponding to the order information is extracted from the storage medium and provided to the teller terminal. Financial transaction data processing server (or apparatus); financial transaction data processing system comprising a. A customer wired terminal transmitting at least one slip (or form) data and / or predetermined financial transaction information data input through a predetermined data input means to a financial transaction data processing server (or device) through a communication network; And At least one slip (or form) data and / or predetermined financial transaction information data transmitted from the customer wired terminal are stored in a predetermined storage medium in association with the customer information and / or order information assigned to the customer. , Providing the customer information and / or order number information assigned to the customer and the at least one slip (or form) data and / or predetermined financial transaction information data to a teller terminal, or After receiving predetermined order information from a predetermined teller terminal, at least one document (or form) data and / or predetermined financial transaction information data corresponding to the order information is extracted from the storage medium and provided to the teller terminal. Financial transaction data processing server (or apparatus); financial transaction data processing system comprising a. The method of claim 1 or 2, wherein the customer wireless terminal or wired terminal, Financial transaction data processing system, characterized in that for further transmitting the scheduled time (or date) information to the financial transaction data processing server (or device). The financial transaction data processing server (or apparatus) according to claim 1 or 2, And when the visited time (or date) information is further transmitted from the customer wireless terminal or the wired terminal, the financial transaction data processing system further storing the visited time (or date) information in the storage medium. According to claim 1, wherein the financial transaction data processing server (or device), Financial transaction data processing system, characterized in that for transmitting the order information assigned to the customer to the customer wireless terminal. The method of claim 2, wherein the financial transaction data processing server (or device), Financial transaction data processing system, characterized in that for transmitting the order information assigned to the customer to the customer wired terminal and / or customer wireless terminal. The method of claim 2 or 3, When the visited time (or date) information is transmitted from the customer terminal, Financial transaction data processing system, characterized in that for transmitting the sequence number assigned to the customer to the customer wired terminal and / or customer wireless terminal minutes to tens of minutes before the scheduled time (or date). The method of claim 2 or 3, And when the sequence information assigned to the customer is transmitted to the customer wired terminal and / or the customer wireless terminal, the predetermined time required information until the sequence number is further transmitted. The method of claim 1 or 2 or 3 or 4, wherein the order information assigned to the customer, When the visited time (or date) information is transmitted from the customer terminal, The transaction data processing system, characterized in that the order information assigned to the customer in response to the confirmed sequence number after confirming the sequence number minutes or tens of minutes before the scheduled time (or date). The financial transaction information data of claim 1 or 2, A financial transaction data processing system comprising at least one or more of financial institution visit purpose data, customer financial transaction account (or card) information data, and customer information data. The method of claim 1, wherein the customer wireless terminal, And transmits the at least one slip (or form) data and / or predetermined financial transaction information data to the financial transaction data processing server (or device) through short-range communication. The financial transaction data processing system according to claim 1 or 2, And a storage medium for storing the document (or form) data transmitted from the customer terminal and / or the document (or form) data processed by the teller terminal. The method of claim 1, wherein the at least one slip (or form) data and / or predetermined financial transaction information data is Financial transaction data processing system comprising the at least one authentication information of the customer. The method of claim 2, wherein the at least one slip (or form) data and / or predetermined financial transaction information data, Financial transaction data processing system comprising the at least one authentication information of the customer. The method of claim 13 or 14, wherein the customer authentication information, Biometric information such as fingerprints of the customer, and / or The certificate information of the customer, and / or Identification card information of the customer, and / or Financial transaction data processing system characterized in that it comprises at least one or more of the tensile image information of the customer. The method according to claim 1 or 2, wherein the at least one slip (or form) data and / or predetermined financial transaction information data, A financial transaction data processing system comprising an electronic document (or form) corresponding to a document (or form) provided by a customer to a bank window or a customer service center window. At least one slip (or form) data and / or predetermined financial transaction information data and scheduled time of visit (or date) information input through a predetermined data input means to a financial transaction data processing server (or device) through a communication network. Transmitting a customer wireless terminal; And At least one slip (or form) data and / or predetermined financial transaction information data and scheduled time of visit (or date) information transmitted from the customer wireless terminal in association with the customer information and / or the customer wireless terminal information To a storage medium, Financial transaction data processing for checking the order number minutes or tens of minutes before the scheduled visit time (or date) of the customer, assigning the order number to the customer in correspondence with the confirmed order number, and transmitting the order number assigned to the customer to the customer wireless terminal. Server (or apparatus); financial transaction data processing system comprising a. At least one slip (or form) data and / or predetermined financial transaction information data and scheduled time of visit (or date) information input through a predetermined data input means to a financial transaction data processing server (or device) through a communication network. Customer wired terminal to transmit; And At least one slip (or form) data and / or predetermined financial transaction information data and scheduled visit time (or date) information transmitted from the customer wired terminal in association with the customer information and / or the customer communication means information To a storage medium, Financial transaction data processing for checking the order number minutes or tens of minutes before the scheduled visit time (or date) of the customer, and assigning the order number to the customer in response to the confirmed order number, and transmitting the order number assigned to the customer to the customer communication means. A server (or device); Financial transaction data processing system, characterized in that comprises a. The method of claim 17 or 18, And, when transmitting the order number information assigned to the customer to the customer wireless terminal and / or the customer communication means, further transmitting the predetermined time required information until the order number is reached. The method of claim 17 or 18, wherein the financial transaction data processing server (or device), Providing the customer information and / or order number information assigned to the customer and the at least one slip (or form) data and / or predetermined financial transaction information data to a teller terminal, or After receiving predetermined order information from a predetermined teller terminal, at least one document (or form) data and / or predetermined financial transaction information data corresponding to the order information is extracted from the storage medium and provided to the teller terminal. Financial transaction data processing system, characterized in that. The method of claim 17 or 18, wherein the financial transaction data processing system, And a storage medium for storing the document (or form) data transmitted from the customer terminal and / or the document (or form) data processed by the teller terminal. The method of claim 17, wherein the at least one slip (or form) data and / or predetermined financial transaction information data, Financial transaction data processing system comprising the at least one authentication information of the customer. 19. The method of claim 18, wherein the at least one slip (or form) data and / or predetermined financial transaction information data is Financial transaction data processing system comprising the at least one authentication information of the customer. The method of claim 22 or 23, wherein the customer authentication information, Biometric information such as fingerprints of the customer, and / or The certificate information of the customer, and / or Identification card information of the customer, and / or Financial transaction data processing system characterized in that it comprises at least one or more of the tensile image information of the customer. The method of claim 17 or 18, wherein the at least one slip (or form) data and / or predetermined financial transaction information data, A financial transaction data processing system comprising an electronic document (or form) corresponding to a document (or form) provided by a customer to a bank window or a customer service center window. The method of claim 17 or 18, wherein the financial transaction information data, A financial transaction data processing system comprising at least one or more of financial institution visit purpose data, customer financial transaction account (or card) information data, and customer information data. The method of claim 17, wherein the customer wireless terminal, And transmits the at least one slip (or form) data and / or predetermined financial transaction information data to the financial transaction data processing server (or device) through short-range communication. A receiver for receiving at least one slip (or form) data and / or predetermined financial transaction information data from a customer terminal; A storage unit storing the received at least one slip (or form) data and / or predetermined financial transaction information data in association with the customer information and / or order information assigned to the customer, and storing the received at least one slip (or form) data on a predetermined storage medium; A sequence number allocation unit for assigning sequence numbers to the customers; And Providing the customer information and / or order number information assigned to the customer and the at least one slip (or form) data and / or predetermined financial transaction information data to a teller terminal, or After receiving predetermined order information from a predetermined teller terminal, at least one document (or form) data and / or predetermined financial transaction information data corresponding to the order information is extracted from the storage medium and provided to the teller terminal. A financial transaction data processing apparatus comprising: a slip processing unit. The method of claim 28, The receiving unit, Characterized in that further receiving the scheduled time (or date) information from the customer terminal, The storage unit, And storing the scheduled time (or date) information in the storage medium. 29. The method of claim 28, wherein the sequence number assignment unit, When the visited time (or date) information is transmitted from the customer terminal, And confirming the order number a few minutes to several tens of minutes before the scheduled time (or date) of the visit, and assigning the number to the customer in response to the confirmed number. The apparatus of claim 28, wherein the financial transaction data processing apparatus comprises: And a transmission unit for transmitting the order number information assigned to the customer to the customer-owned wireless terminal or communication means. The method of claim 31, wherein When the visited time (or date) information is transmitted from the customer terminal, The financial transaction data processing apparatus, characterized in that for transmitting the sequence number assigned to the customer to the customer-owned wireless terminal or communication means minutes to tens of minutes before the scheduled time (or date). The method of claim 31, wherein When transmitting the order number information assigned to the customer to the customer-owned wireless terminal or the communication means, the financial transaction data processing apparatus, characterized in that for further transmitting the time required information until the arrival of the order number. 33. The method of claim 32, wherein the financial transaction data processing apparatus, And a document (or form) data storage unit for storing the document (or form) data transmitted from the customer terminal and / or the document (or form) data processed by the window terminal in a predetermined storage medium. Financial transaction data processing apparatus. The method of claim 28, wherein the financial transaction information data, A financial transaction data processing apparatus comprising at least one or more of financial institution visit purpose data, customer financial transaction account (or card) information data, and customer information data. 35. The apparatus of any one of claims 28 to 34, wherein each device component is On a single device (or server), or Financial transaction data processing apparatus, characterized in that provided in a plurality of devices (or servers). 35. The financial transaction data processing apparatus according to any one of claims 28 to 34, wherein Consists of a single device (or server), or A financial transaction data processing apparatus comprising a plurality of devices (or servers). 35. The method of any of claims 28 to 34, wherein the customer terminal, Financial transaction data processing apparatus comprising a wireless terminal and / or a wired terminal. 29. The method of claim 28, wherein the at least one slip (or form) data and / or predetermined financial transaction information data is Financial transaction data processing apparatus comprising the at least one authentication information of the customer. The method of claim 39, wherein the customer authentication information, Biometric information such as fingerprints of the customer, and / or The certificate information of the customer, and / or Identification card information of the customer, and / or Financial transaction data processing device characterized in that it comprises at least one or more of the tensile image information of the customer. 29. The method of claim 28, wherein the at least one slip (or form) data and / or predetermined financial transaction information data is A financial transaction data processing apparatus comprising an electronic document (or form) corresponding to a document (or form) provided by a customer to a bank window or a customer service center window. 35. A recording medium, comprising: a program for executing a function of the apparatus component of any one of claims 28 to 34. A receiving unit which receives at least one slip (or form) data and / or predetermined financial transaction information data and scheduled time (or date) information from a customer terminal; Process the received at least one slip (or form) data and / or predetermined financial transaction information data and scheduled time (or date) information in association with the customer information and / or the customer wireless terminal (or communication means) information. A storage unit for storing in a predetermined storage medium; A sequence number assignment unit for confirming the sequence number minutes to several tens of minutes before the scheduled visit time (or date) of the customer, and assigning the sequence number to the customer corresponding to the confirmed sequence number; And And a transmission unit for transmitting the order number information assigned to the customer to the customer wireless terminal. The method of claim 43, Providing the customer information and / or order number information assigned to the customer and the at least one slip (or form) data and / or predetermined financial transaction information data to a teller terminal, or After receiving predetermined order information from a predetermined teller terminal, at least one document (or form) data and / or predetermined financial transaction information data corresponding to the order information is extracted from the storage medium and sent to the teller terminal. A financial transaction data processing apparatus, further comprising: a slip processing unit provided. The method of claim 43, The storage medium stores the document (or form) data and / or predetermined financial transaction information data transmitted from the customer terminal and / or the document (or form) data and / or the predetermined financial transaction information data processed by the teller terminal. The financial transaction data processing apparatus further comprises a document (or form) data and / or a predetermined financial transaction information data storage unit to be stored. The method of claim 43, wherein the transmission unit, The financial transaction data processing apparatus, characterized in that for transmitting the order information assigned to the customer to the customer wireless terminal and / or the customer communication means, the predetermined time required information until the order is reached. 47. The apparatus of any one of claims 43 to 46, wherein each device component is On a single device (or server), or Financial transaction data processing apparatus, characterized in that provided in a plurality of devices (or servers). 47. The method of any of claims 43 to 46, wherein the customer terminal is Financial transaction data processing apparatus comprising a wireless terminal and / or a wired terminal. 47. The apparatus of any one of claims 43 to 46, wherein the financial transaction data processing apparatus comprises: Consists of a single device (or server), or A financial transaction data processing apparatus comprising a plurality of devices (or servers). 44. The method of claim 43, wherein the at least one slip (or form) data and / or predetermined financial transaction information data is Financial transaction data processing apparatus comprising the at least one authentication information of the customer. The method of claim 50, wherein the customer authentication information, Biometric information such as fingerprints of the customer, and / or The certificate information of the customer, and / or Identification card information of the customer, and / or Financial transaction data processing device characterized in that it comprises at least one or more of the tensile image information of the customer. 44. The method of claim 43, wherein the at least one slip (or form) data and / or predetermined financial transaction information data is A financial transaction data processing apparatus comprising an electronic document (or form) corresponding to a document (or form) provided by a customer to a bank window or a customer service center window. The method of claim 43, wherein the financial transaction information data, A financial transaction data processing apparatus comprising at least one or more of financial institution visit purpose data, customer financial transaction account (or card) information data, and customer information data. A recording medium comprising a program for executing a function of the apparatus component of any one of claims 43 to 46. An output unit for outputting on the screen the document (or form) data and / or the predetermined financial transaction information data corresponding to the document (or form) selection signal inputted through the predetermined data (or signal) input means; An input unit for inputting at least one or more data input through the data (or signal) input means to at least one or more input areas included in the output slip (or form) data and / or predetermined financial transaction information data; And And a transmission unit which transmits the input one or more slip (or form) data and / or predetermined financial transaction information data to a server (or device) on a communication network. The method of claim 55, wherein the wireless terminal, And transmitting predetermined scheduled visit time (or date) information to the server (or device). The method of claim 55, wherein the wireless terminal, And a receiver configured to receive the predetermined sequence information from the server (or apparatus). The method of claim 55, wherein the at least one slip (or form) data and / or predetermined financial transaction information data, And at least one authentication information of the customer. The method of claim 58, wherein the customer authentication information, Biometric information such as fingerprints of the customer, and / or The certificate information of the customer, and / or Identification card information of the customer, and / or And at least one or more tensile image information of the customer. The method of claim 55, wherein the at least one slip (or form) data and / or predetermined financial transaction information data, A wireless terminal comprising an electronic slip (or form) corresponding to a slip (or form) provided by a customer to a bank teller or a customer service center. A recording medium, comprising recording a program for executing the wireless terminal function of claim 55.

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