KR20070018335A - System for Processing Slipor Form, Devices for Processing Slipor Form, Mobile Devices and Recording Medium - Google Patents

Abstract

The present invention relates to a voucher (or form) processing system, a voucher (or form) processing apparatus, a wireless terminal, and a recording medium. The customer information and / or the customer wireless terminal and / or customer wired terminal to transmit to the document (or form) processing server (or device) through the at least one document (or form) data transmitted from the customer wireless terminal through the customer information and / or Slips (or forms) that associate with the customer wireless terminal information and / or the authentication code provided to the customer wireless terminal, store them in a predetermined storage medium, and provide the at least one slip (or form) data to the counter terminal. Characterized in that it comprises a processing server (or device). Thereby, before the customer visits a bank or other government office and conducts a business, a customer prepares a predetermined electronic slip (or a form) related to the business through a predetermined customer wireless terminal and / or a customer wired terminal to perform the business. By providing to the processing server (or device), there is an advantage of efficiently processing the window-based financial transactions corresponding to the slip (or form).

Slip, form, counter service

Description

Slip (or Form) Processing System, Slip (or Form) Processing Device, Wireless Terminal, and Recording Media {System for Processing Slip (or Form), Devices for Processing Slip (or Form), Mobile Devices and Recording Medium}

1 is a diagram illustrating a slip (or form) processing system according to an embodiment of the present invention.

2 is a view showing a structure of a storage medium 1 for 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 illustrate a method of implementing a slip (or form) 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.

9 is a diagram illustrating 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: authentication code generation 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 transmits at least one slip (or form) data input through a predetermined data input means from a predetermined customer wireless terminal and / or a customer wired terminal to a slip (or form) processing server (or device) through a communication network. The customer information and / or the customer wireless terminal information and / or at least one document (or form) data transmitted from the customer wireless terminal and / or the customer wired terminal from the slip (or form) processing server (or device) Or in connection with an authentication code provided to the customer wireless terminal, storing the data in a predetermined storage medium, and providing the at least one slip (or form) data to the counter terminal. To provide a slip (or form) processing apparatus, a wireless terminal and a recording medium for this purpose.

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 has been made to solve the above problems, and at least one slip (or form) data is input through a predetermined data input means at a predetermined wireless terminal and / or a wired terminal to receive a slip through a communication network. (Or form) A slip (or form) processing system, characterized in that the transmission to the processing server (or device), a slip (or form) processing apparatus, a wireless terminal and a recording medium therefor.

An object of the present invention is a slip (or form) processing server (or apparatus) for at least one slip (or form) data input through a predetermined data input means from a predetermined customer wireless terminal and / or a customer wire terminal. The at least one document (or form) data transmitted from the customer wireless terminal and / or the customer wired terminal to the customer information and / or the customer wireless terminal information. And / or a document (or form) process, characterized in that the authentication code provided to the customer wireless terminal is stored in a predetermined storage medium and provided with the at least one document (or form) data as a window terminal. It aims to provide a system, a voucher (or form) processing device, a wireless terminal and a record medium therefor.

The slip (or form) processing system of the present invention transmits at least one slip (or form) data input through a predetermined data input means to a slip (or form) processing server (or device) through a communication network. ; And linking at least one slip (or form) data transmitted from the customer wireless terminal with the customer information and / or the customer wireless terminal information and / or the authentication code provided to the customer wireless terminal to a predetermined storage medium. And a voucher (or form) processing server (or device) for storing and providing the at least one voucher (or form) data to the counter terminal.

Further, another slip (or form) processing system of the present invention transmits at least one slip (or form) data input through a predetermined data input means to a slip (or form) processing server (or device) through a communication network. Customer wired terminal; And storing at least one slip (or form) data transmitted from the customer wired terminal in a predetermined storage medium in association with the customer information and / or the authentication code provided to the customer wired terminal, and storing the at least one slip. (Or form) a document (or form) processing server (or device) for providing data to the counter terminal.

According to an embodiment of the present invention, the document (or form) processing system further comprises a document (or form) data storage means for storing the processed document (or form) data in a predetermined storage medium at the window terminal. It is preferable.

According to the method of the present invention, the at least one slip (or form) data is preferably made to include at least one or more authentication information of the customer, the customer authentication information, such as fingerprint information of the customer, and / Or at least one or more of the authentication certificate information of the customer, and / or the resident registration information of the customer, and / or the seal image information of the customer.

According to the method of the present invention, the at least one slip (or form) data comprises an electronic slip (or form) corresponding to a paper slip (or form) provided by the customer to a bank teller or customer service center. It is preferable.

According to the method of the present invention, the customer information preferably comprises at least one or more customer personal information and / or customer specific information and / or customer financial account (or card) information.

According to an embodiment of the present invention, it is preferable that the slip (or form) processing server (or device) transmits a predetermined authentication code to the customer wired terminal and / or the customer wireless terminal.

The slip (or form) processing apparatus of the present invention includes a receiving unit for receiving at least one or more slip (or form) data from a customer terminal; A storage unit storing the received at least one slip (or form) data in association with the customer information and / or the customer terminal information and / or the authentication code provided to the customer terminal in a predetermined storage medium; And a voucher processing unit for providing the at least one voucher (or form) data to the counter terminal.

According to an embodiment of the present invention, the storage unit preferably stores the slip (or form) data processed by the teller terminal in a predetermined storage medium, and / or predetermined to the customer wired terminal and / or the customer wireless terminal. It is preferable to further comprise a transmission unit for transmitting the authentication code of.

According to the present invention, each device component in the slip (or form) processing apparatus may be provided in a single device (or server), or may be provided in a plurality of devices (or servers), whereby the present invention It is not limited.

In addition, the voucher (or form) processing apparatus may be made 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 the method of the present invention, the at least one slip (or form) data is preferably made to include at least one or more authentication information of the customer, the customer authentication information, such as fingerprint information of the customer, and / Or at least one or more of the authentication certificate information of the customer, and / or the resident registration information of the customer, and / or the seal image information of the customer.

According to the method of the present invention, the at least one slip (or form) data comprises an electronic slip (or form) corresponding to a paper slip (or form) provided by the customer to a bank teller or customer service center. It is preferable.

According to the method of the present invention, the customer information preferably comprises at least one or more customer personal information and / or customer specific information and / or customer financial account (or card) information.

According to the invention, the recording medium provided in the voucher (or form) processing apparatus is characterized in that for recording a program for executing the function of the device configuration unit.

The wireless terminal of the present invention comprises: an input unit for inputting at least one or more data input through predetermined data (or signal) input means into a predetermined slip (or form) data input area; And a transmission unit which transmits the input one or more slip (or form) data to a server (or device) on a communication network.

According to the method of the present invention, the at least one slip (or form) data is preferably made to include at least one or more authentication information of the customer, the customer authentication information, such as fingerprint information of the customer, and / Or at least one or more of the customer's official certificate information, and / or the resident registration information of the customer, and / or the seal image information of the customer.

Further, the at least one document (or form) data preferably comprises an electronic document (or form) corresponding to a paper document (or form) provided by the customer to a bank teller or customer service center.

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 system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on 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, in the preferred embodiment of the present invention to be described below, in order to efficiently describe the technical components constituting the present invention, a voucher (or form) processing apparatus is referred to as a server for convenience, and all functional configurations provided in the server are included in the server. Although described as being provided, those skilled in the art to which the present invention pertains, the functional configuration provided in the server is interlocked through a predetermined network and / or communication means in accordance with the intention of those skilled in the art of practicing the present invention. It will be clearly understood that at least two servers may be provided separately (eg, mutually transmitting and receiving information or data for server function realization).

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 slip (or form) processing system according to an embodiment of the present invention.

In more detail, Figure 1 is provided with a predetermined processing server (or form) processing server (or device) functional configuration provided in the bank and / or branch office to process the document (or form), the predetermined server 100, Those skilled in the art to which the present invention pertains will clearly understand various embodiments in which the functional configuration is provided separately in at least two or more servers 100 (or devices) with reference to FIG. .

Referring to FIG. 1 according to a preferred embodiment of the present invention, the present slip (or form) processing system includes at least one slip (or form) data (eg, a customer slip created by a customer) input through a predetermined data input means. (Or form) data) and / or the customer wireless terminal 160b and / or the customer wired terminal 160a, which transmits the data (or form) data to the slip (or form) processing server 100 (or device) through the communication network. And / or a server 100 for storing at least one slip (or form) data transmitted from the customer wired terminal 160a in the predetermined storage medium 1 or 135.

According to an embodiment of the present invention, the customer wireless terminal 160b and / or the customer wired terminal 160a further includes predetermined customer authentication information and / or customer information for the customer in the slip (or form) data. In this case, the server 100 preferably stores the slip (or form) data in association with the customer authentication information and / or customer information in the storage medium (1) 135. In addition, the server 100 generates a predetermined authentication code for easily identifying (or authenticating) a customer who has transmitted the slip (or form) data when the customer visits a bank (or branch). The wireless terminal 160b and / or the customer wired terminal 160a may be provided. In this case, the server 100 generates the authentication code to generate the customer wireless terminal 160b and / or the customer wired terminal 160a. And store the authentication code in association with the slip (or form) data.

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 including a smart phone) and / or telematics and / or a wireless data communication terminal and / or a portable internet terminal.

According to an exemplary embodiment of the present invention, the customer wireless terminal 160b may be connected to 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, at least one window terminal 150 connected to the bank (or bank branch) through the server 100 and a predetermined financial transaction communication means 145 is provided. The counter terminal 150 is configured to process a financial transaction corresponding to the slip (or form) data by interworking with a predetermined financial system 450 connected through the financial transaction communication means 145. .

In addition, the present document (or form) processing system is capable of receiving at least one document (or form) data received from the customer terminal 160 on a network connected to a bank (or bank branch) and / or the server 100. A storage medium (1) 135 for storing, wherein the storage medium (1) 135 associates the slip (or form) data with customer authentication information received from the customer terminal 160 according to an implementation method. And / or store in association with customer information corresponding to a customer who has transmitted the slip (or form) data, and / or store in association with a predetermined authentication code transmitted to the customer.

In addition, the present document (or form) processing system is a bank (or bank branch) and / or at least one document (or form) that the financial transaction is processed from the teller terminal 150 on the network connected to the server 100. A storage medium (2) (140) for storing data, and the storage medium (2) (140) is provided with the document (or form) data and the predetermined financing provided from the teller terminal (150) according to an implementation method. Store the transaction information in association, and / or store the 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 desirable to.

Referring to FIG. 1, the server 100 includes a receiving unit 105 for receiving at least one slip (or form) data and / or customer authentication information and / or customer information from a predetermined customer terminal 160. A storage unit 110 for linking the received at least one document (or form) data and / or customer authentication information and / or customer information to a predetermined storage medium (1) 135, and storing the information on the customer. Authentication code generation unit 115 for generating a predetermined authentication code, a transmission unit 120 for transmitting the authentication code generated to the customer to the customer wireless terminal 160b, and at least one slip (or form) data And a slip processing unit 125 for extracting from the storage medium (1) 135 and providing the counter terminal 150 to the counter terminal 150, and the slip (or form) transmitted from the customer terminal 160. Data and / or the window That the document (or format) in the data processing terminal (150) comprising the further document (or format) a data storage unit 130 for storing a predetermined storage medium (2) 140 is preferred.

The receiving unit 105 receives at least one slip (or form) data from the customer terminal 160 through a predetermined internet or wireless network and a predetermined network means 155, and the slip (or 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 the exemplary embodiment of the present invention, the receiving unit 105 preferably further includes predetermined customer authentication information and / or customer information about the customer in the process of receiving the slip (or form) data.

According to an exemplary embodiment of the present invention, the receiving unit 105 further includes predetermined customer authentication information corresponding to the customer in the process of receiving at least one slip (or form) data from the customer terminal 160. Preferably, the customer authentication information includes at least one biometric information including fingerprint, hand shape, iris, voice, face, signature, retina, vein shape and / or DNA (Deoxyribo Nucleic Acid) for the customer. And / or the official certificate information of the customer (for example, the public certificate information provided in the integrated circuit (IC) chip mounted on or detached from the customer wireless terminal 160b, or the public certificate provided in the customer wired terminal 160a). Certificate information, or official certificate information provided on the customer-owned medium (eg, IC card), and / or resident registration information (eg, IC chip-based resident certificate) It comprises information identity card, identity card or the image information), and / or at least one image of the tension information of the client is preferred. 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.

According to another exemplary embodiment of the present invention, the receiving unit 105 may further receive the visit point information that the customer wants to visit in the process of receiving the slip (or form) data.

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 According to an embodiment, when the customer authentication information is further included and received from the customer terminal 160, it is preferable to store the slip (or form) data in association with the customer authentication information.

According to an exemplary embodiment of the present invention, the storage unit 110 stores the data from the customer terminal 160 in order to increase the financial transaction processing efficiency of the teller terminal 150 in the process of storing the slip (or form) data. Customer information is further included, and / or the customer information is extracted from a predetermined database (eg, a bank customer information database) (not shown), and / or the customer terminal 160 is a wireless terminal and the When the customer wireless terminal 160b information (eg, caller information) is extracted in the process of receiving slip (or form) data, it is preferable to store the slip (or form) data in association with the customer information.

When the at least one slip (or form) data is received from the customer terminal 160 through the receiving unit 105, the authentication code generating unit 115 has a predetermined authentication code for the slip (or form) data. Or when at least one slip (or form) data is received from the customer terminal 160 through the receiving unit 105, or the storage unit 110 stores the storage medium 1. When storing the slip (or form) data in the (135), characterized in that for generating a predetermined authentication code corresponding to the customer and / or the slip (or form) data.

The transmission unit 120 is characterized in that for transmitting the generated authentication code to the customer terminal 160, if the customer terminal 160 is a wireless terminal, the authentication code is SMS (Short Message Service) or Preferably, the message is transmitted through a wireless message including at least one of an EMS or an multimedia messaging service, and / or is transmitted through a predetermined email. In the case of 160a, the authentication code is included in a predetermined webpage and transmitted, and / or directly transmitted to the wired terminal 160a through a predetermined email, and / or the SMS or EMS or MMS is transmitted. It is preferably transmitted to the customer-owned wireless terminal via a wireless message or email containing at least one or more.

According to an embodiment of the present invention, the authentication code may be a predetermined serial number represented by a predetermined character to identify the customer, and a predetermined barcode (eg, one-dimensional barcode, generated by encoding the authentication code). Or two-dimensional barcode, or color code). For example, when the customer terminal 160 receiving the authentication code is the customer wireless terminal 160b and the authentication code is represented by a predetermined character, the authentication code is transmitted to the customer wireless terminal 160b through the SMS. When the authentication code is a predetermined barcode, the authentication code may be transmitted to the customer wireless terminal 160b through MMS.

The slip processing unit 125 extracts the at least one slip (or form) data from the storage medium (1) 135 by using the customer information and / or an authentication code assigned to the customer. After transmitting to a predetermined window terminal 150 for providing a transaction, or receiving a financial transaction target authentication code from the window terminal 150, the at least one slip (or form) data corresponding to the authentication code is received. Extracted from the storage medium (1) 135, characterized in that provided to the window terminal 150.

According to an exemplary embodiment of the present invention, the slip processing unit 125 requests slip (or form) data from a predetermined counter terminal 150 among at least one counter terminal 150 provided in the bank (or bank branch). Receiving a signal (for example, the authentication code for the window terminal 150 to process a financial transaction), and extracts the slip (or form) data corresponding to the authentication code from the storage medium (1) 135 and the It is preferable to provide the counter terminal 150.

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.

2 is a view showing a structure of a storage medium 1 storing slip (or form) data received from a customer terminal 160 according to an embodiment of the present invention.

More specifically, FIG. 2 receives predetermined slip (or form) data and / or customer authentication information from the customer terminal 160, and the customer information and / or the customer wireless terminal of the customer from the financial system 450. 160b) (or communication means) extracts the information and stores the information in the storage medium 1 in association with the authentication code generated in correspondence with the store customer and / or slip (or form) data.

Referring to FIG. 2, the storage medium 1 includes a data field for storing an authentication code, a data field for storing slip (or form) data received from the customer terminal 160, and predetermined customer authentication information. And a data field for storing customer information, a data field for storing customer information, and a data field for storing customer wireless terminal 160b (or communication means) information.

The data field for storing the authentication code is characterized by storing the information generated to identify the slip (or form) data in at least one window terminal 150 provided in 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. Contains unstructured document (or formatting) data. 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 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.

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).

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 the function, it is for the preferred function configuration for transmitting predetermined slip (or form) data to the server (100).

Those skilled in the art to which the present invention pertains, with reference to this figure 3, in addition to the mobile communication terminal other types of customer wireless terminal for transmitting a predetermined slip (or form) data to the server 100 ( 160b) and / or the desired functional configuration of the customer wired terminal 160a may be easily inferred. 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 to the server 100 is basically a control unit 305, a screen output unit 310, and a sound processing unit 315. And a key input unit 320, a wireless processing unit 330, a short range communication unit 335, a memory unit 370, and a battery 325 for supplying power, and are mounted in the customer wireless terminal 160b according to an implementation method. Or a camera mounted on or detached from the IC chip 355 to be detachable and the IC chip reader unit 350 to read / write predetermined information or data to the IC chip 355 and the customer wireless terminal 160b. 365) and a functional configuration including a camera unit 360 that reads predetermined image information from the camera 365.

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). For convenience, a predetermined program routine recorded on the recording medium of the customer wireless terminal 160b is transmitted. It will be described as being provided in the unit 305), by the control unit 305 thereby to realize a variety of functions to be implemented in the customer wireless terminal (160b), and to realize such functions It is characterized in that to control and manage the overall operation of the customer wireless terminal (160b). 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 slip (or form) data.

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 processing unit 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 interlock 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 a functional configuration for providing a predetermined portable Internet service (e.g., wireless data communication, or voice over IP (VoIP) based voice call) for transmitting the data.

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 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. The device 340 is preferably connected to the server terminal 100 and / or the window terminal 150 of the bank (or branch) visited by the customer, whereby the customer is connected to the server 100 through the communication unit on the basis of the above. It is possible to provide a predetermined authentication code to the window terminal 150 and / or.

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), Communicating with the IC chip reader 350 via contact points such as clock signal CLK, ground GND, programming power supply (VPP), and / or input / output (I / O) (e.g. command or data exchange, etc.) A processor unit comprising an input / output interface, a CPU (Central Process Unit), an MPU (Micro Process Unit), and / or a coprocessor (Coprocessor), and the like, and a ROM (Read Only Memory) and RAM. (Random Access Memory), EEPROM (Electrically Erasable and Programmable Read Only Memory), a memory unit including at least one or more memory elements including Flash Memory (FM), and the like, in particular at least one or more of the memory elements (e.g., , ROM) in the IC card A chip operating system (COS) for managing and operating resources 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 unit The COS stored in 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). Data unit) controls the exchange of information or data between the IC chip 355 and the IC chip reader 350.

The camera unit 360 reads raster-based CCD image information from a camera 365 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 authentication code is transmitted, it is preferable that the receiver further comprises a receiving unit 380.

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. Do.

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 receiving unit 380 transmits a predetermined authentication code from the server 100, the receiving unit 380 receives the authentication code and outputs the authentication code to the screen of the customer wireless terminal 160b through the output unit 390. Characterized in that, the authentication code is preferably provided to the window terminal 150 when the customer visits the bank (or branch).

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 is transmitted to the server 100 (405), and the server 100 generates a predetermined authentication code in the received customer slip (or form) data and stores it in the storage medium (1). 410.

When the financial transaction authentication code is generated in the customer slip (or form) data as described above and stored in the storage medium 1, the server 100 transmits the authentication code to the customer terminal 160 and outputs the authentication code. (415).

The customer who has sent the slip (or form) data to the server 100 through the customer terminal 160 visits the bank (or bank branch) (420), and the authentication code is the window terminal 150. If provided (or presented), the server 100 provides the customer slip (or form) data to a predetermined window terminal 150 provided in the bank (or bank branch) (425), the window The terminal 150 processes the financial transaction in association with the financial system 450 based on the customer document (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 stores the bank slip (or form) data in the storage medium 2 (440) to perform a financial transaction corresponding to the slip (or form) data received from the customer terminal 160. To complete.

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.

More specifically, 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.

Referring to FIG. 2, when the first document (or form) segment is a transaction code segment, the segment is formed as "TRAN_CODE = PS", in which "TRAN_CODE" corresponds to a field identifier. = Corresponds to the delimiter, and "PS" corresponds to the 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 includes 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 slip (or form) 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 and / or the storage medium 2 are provided at a central computer center of a bank, and at least one bank branch has predetermined financial transaction communication means. 145 is an implementation method provided with at least one or more teller terminals 150 communicating with the server 100 via a financial common network, and FIG. 6b illustrates the server 100 and / or storage media. (2) is provided in the central computer center of the bank, the at least one bank branch at least one window terminal 150 and the storage medium communicating with the server 100 through a predetermined financial transaction communication means 145 6c shows that the storage medium 2 is provided in a central computer center of the bank, and at least one bank branch communicates with the storage medium 2 in a predetermined financial transaction. Via means 145 The subordinate system relates to an implementation method in which the branch server 100 and / or the storage medium 1 are provided, and FIG. 6D illustrates at least one branch server in which a central computer center of the bank is provided in at least one bank branch. A management server 100 and a storage medium 2 for managing 100 are provided, and at least one bank branch is used for communicating with the storage medium 2 through a predetermined financial transaction communication means 145. It relates to an implementation method provided with the server 100 and / or the storage medium 1.

Those skilled in the art to which the present invention pertains may refer to various embodiments of the slip (or form) processing system (e.g., the server 100) at least with reference to the figures 6a, 6b and 6c. Since the separation method may be easily performed by being divided into two or more systems and distributed to the central computer center and / or each bank branch of the bank, 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 100 for managing at least one or more branch office servers 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 100) 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 automatically selects a bank (or bank branch) to be visited by the customer through a predetermined document (or form) program provided in the wireless terminal. doing It is for the information.

Referring to FIG. 7A, when the wireless terminal connects to the server 100 (or the management server 100) provided in the central computer center of the bank through a predetermined wireless Internet (700), the server 100 Check the current position of the wireless terminal in conjunction with 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; In operation 705, the server 100 extracts at least one bank branch information that can be visited at the current location of the wireless terminal (710).

According to an embodiment of the present invention, the server 100 measures the distance between the location information of the bank branch (eg, the address of the bank branch) stored in the DBMS of the financial system 450 and the current location information of the wireless terminal. And at least one bank branch from the closest distance is determined as the bank branch visitable by the customer.

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 (715). The bank branch to be visited by the customer is selected based on the bank branch information, and predetermined document (or form) data is generated and transmitted to the server 100 provided in the bank branch.

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

According to an embodiment of the present invention, the memory unit 370 of the customer wireless terminal 160b stores location information of a bank branch corresponding to a bank linked to the slip (or form) program, and the wireless terminal By comparing the current location of the wireless terminal with 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 to the server 100 (or the management server 100) on the network, and the server 100 ( Alternatively, it is possible to receive at least one bank branch information visited by the customer from the management server 100.

When at least one bank branch information visited by the 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 (730). The bank branch to be visited by the customer is selected based on the bank branch information, and predetermined document (or form) data is generated and transmitted 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 screen of a customer wireless terminal 160b outputting at least one bank branch information visited by the customer based on the current location of the wireless terminal extracted through the process of FIGS. 7A and 7B. It is about.

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.

9 is a diagram illustrating a process of generating predetermined slip (or form) data from the customer 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. 9 illustrates a case in which predetermined slip (or form) data is generated in the customer terminal 160 and transmitted to the server 100.

Referring to FIG. 9, the customer terminal 160 is a predetermined document (or form) corresponding to a financial transaction (eg, deposit, withdrawal, account transfer, etc.) that the customer visits and processes the bank (or bank branch). ) Outputs a selection menu (eg, a deposit slip selection menu, a withdrawal slip selection menu, etc.) (900), and if a predetermined document (or form) is selected through the slip (or form) selection menu (905), the In operation 910, a predetermined document (or form) preparation interface corresponding to the selected document (or form) is output on the screen of the customer terminal 160 as illustrated 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 generates a predetermined authentication code in the document (or form) data (925), and converts the document (or form) data. In operation 930, the storage medium 1 is stored in association with predetermined customer authentication information and / or customer information and / or authentication code.

When the slip (or form) data is stored in the storage medium 1 as described above, the server 100 selects whether to provide the generated authentication code to the customer to the customer-owned wireless terminal. If it is selected to provide the assigned authentication code (935), the server 100 transmits and outputs the generated predetermined authentication code to the customer terminal 160 (940).

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, a customer who has transmitted predetermined slip (or form) data to the server 100 visits a bank (or branch) and associates the slip (or form) data with the teller terminal 150. Presenting the authentication code and / or providing the authentication code associated with the slip (or form) data to the teller terminal 150 via a predetermined short range communication means, the teller terminal 150 As a process of processing a financial transaction by requesting predetermined slip (or form) data from the server 100, and having a general knowledge in the technical field to which the present invention belongs, the predetermined customer authentication instead of the authentication code If the information (eg, the customer authentication information is biometric information such as the fingerprint of the customer), the biometric information recognized through the biometric reader (not shown) provided in the window terminal 150 and / or the customer authentication information are different. If the customer's official certificate information, PIN information input through the PIN pad (not shown) provided in the window terminal 150, and / or if the customer's ID card information, PIN provided in the window terminal 150 If the resident registration number input through the pad (not shown), and / or the tensile image information of the customer, it is also safe to use a seal identifier (not shown) provided in the window terminal only. It will be clearly understood, and it will be understood that the technical spirit of the present invention is not limited thereto.

Referring to FIG. 11, a customer who transmits a predetermined document (or form) data visits a bank (or branch) and presents the authentication code associated with the document (or form) data to the teller terminal 150. And / or providing the authentication code associated with the slip (or form) data to the teller terminal 150 via a predetermined local area communication means, the predetermined teller terminal 150 provided in the bank (or branch). Recognizes the authentication code presented (or provided) by the customer (1100), and requests the server 100 at least one slip (or form) data corresponding to the authentication code (1105).

The server 100 extracts the slip (or form) data and / or customer information associated with the authentication code from the storage medium 1 (1110), and the extracted slip ( Or (1 form) data and / or customer information (1115), document (or form) data (e.g., bank document (or form) data) for which a financial transaction has been processed from the teller terminal 150 and / or finance Wait for the transaction information (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), 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 (1150), the slip (or form) Complete the financial transaction corresponding to the data.

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

More specifically, Figure 12a applies a predetermined hash function to the document (or form) data to ensure that the integrity of the document (or form) data stored in the storage medium 2 is not compromised. Is for the process of generating the document (or form) authentication data, and FIG. 12B is intended to simultaneously ensure that the integrity of the document (or form) data and / or financial transaction information stored in the storage medium 2 is not compromised. A process of generating a document (or form) authentication data by concatenating the document (or form) data and the financial transaction information and applying a predetermined hash function to the concatenated document (or form) data and the financial transaction information. FIG. 12c shows that the integrity of the document (or form) data and / or financial transaction information stored in the storage medium 2 is individually and collectively ensured. In order to generate the authentication data (1) by applying a predetermined hash function to the document (or form) data, to generate the authentication data (2) by applying a predetermined hash function to the financial transaction information, the authentication data (1) and the authentication data (2) after concatenating, and applying a predetermined hash function to the concatenated authentication data (1) and authentication data (2) to generate a slip (or form) authentication data .

Referring to FIG. 12A, the data storage unit of the server 100 applies a predetermined hash function to a document (or form) data (for example, a bank document (or form) data) in which the financial transaction has been processed, thereby applying a predetermined document ( Or form) authentication data (1200), the document (or form) data and the document (or form) authentication data are stored in the storage medium 2 in association with the document (or 1205), whereby the document (or Integrity of the form data is guaranteed, and in order to enhance the integrity guarantee, the slip (or form) authentication data is stored in a storage medium other than the storage medium 2 (e.g., a storage medium provided in the certification authority). It is possible to be.

According to a preferred embodiment of the present invention, the method for confirming the integrity of the document (or form) data may be performed on the document (or form) data stored in the storage medium 2 by predetermined integrity checking means (not shown). By applying the same hash function as in the process 1200, a predetermined authentication data is generated, and the slip (or form) is compared with the slip (or form) authentication data stored in the storage medium 2. Format) Verify the integrity of the data.

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

According to a preferred embodiment of the present invention, a method of simultaneously confirming the integrity of the slip (or form) data and the financial transaction information includes a slip stored in the storage medium 2 in predetermined integrity checking means (not shown). Or form) data and financial transaction information to be concatenated, and generate the predetermined authentication data by applying the same hash function as the process 1215 to the concatenated slip (or form) data and financial transaction information. The integrity of the document (or form) data and financial transaction information is simultaneously verified by comparing the authenticated data with the document (or form) authentication data stored in the storage medium 2.

Referring to FIG. 12C, the data storage unit of the server 100 applies a predetermined hash function to the document (or form) data (for example, bank document (or form) data) processed by the financial transaction, thereby applying authentication data (1). ) (1225), and generates authentication data (230) by applying a predetermined hash function to the financial transaction information (1230), and after concatenating the authentication data (1) and authentication data (1235) ), A document (or form) authentication data is generated by applying a predetermined hash function to the concatenated authentication data 1 and the authentication data 2 (1240), and the document (or form) data and financial transaction information. And store (1245) the document (or form) authentication data in association with the storage medium (2), thereby ensuring the integrity of the document (or form) data and financial transaction information integrally and ensuring the integrity. To reinforce the slip (or Form) The authentication data may be stored in a storage medium other than the storage medium 2 (for example, a storage medium provided in the certification authority).

According to one embodiment of the invention, the data storage unit in the process of storing in the storage medium (2) in association with the document (or form) data and financial transaction information and the document (or form) authentication data, the authentication It is preferable to include the data 1 and the authentication data 2 in the document (or form) authentication data and store the data (1) and the authentication data (2) in the storage medium (2). Integrity is guaranteed individually.

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

In addition, the method for integrally confirming the integrity of the slip (or form) data and the financial transaction information includes the generated authentication data 1 'and authentication data 2' by predetermined integrity checking means (not shown). , And apply the same hash function as the process 1240 to the concatenated authentication data 1 ′ and authentication data 2 ′ to generate predetermined authentication data, and generate the authentication data to the storage medium. The integrity of the financial transaction information is integratedly verified by comparing with the document (or form) authentication data stored in (2).

According to the present invention, before a customer visits a bank or other government office and conducts a business, a customer prepares a predetermined electronic slip (or a form) related to the business through a predetermined wireless terminal and / or a customer's wired terminal to perform the business. Or a form) processing server (or device), which has the advantage of efficiently processing a window-based financial transaction corresponding to the slip (or form).

Claims (25)

A customer wireless terminal transmitting at least one slip (or form) data input through a predetermined data input means to a slip (or form) processing server (or device) through a communication network; And At least one slip (or form) data transmitted from the customer wireless terminal is stored in a predetermined storage medium in association with the customer information and / or the customer wireless terminal information and / or the authentication code provided to the customer wireless terminal. and, And a document (or form) processing server (or device) for providing the at least one document (or form) data to the counter terminal. A customer wired terminal that transmits at least one slip (or form) data input through a predetermined data input means to a slip (or form) processing server (or device) through a communication network; And At least one slip (or form) data transmitted from the customer wired terminal is stored in a predetermined storage medium in association with the customer information and / or the authentication code provided to the customer wired terminal, And a document (or form) processing server (or device) for providing the at least one document (or form) data to the counter terminal. The said slip (or form) processing system of Claim 1 or 2, And a document (or form) data storage means for storing the processed document (or form) data in the window terminal in a predetermined storage medium. The method of claim 1, wherein the at least one document (or form) data, A slip (or form) processing system, characterized in that it comprises at least one or more authentication information of the customer. The method of claim 2, wherein the at least one document (or form) data, A slip (or form) processing system, characterized in that it comprises at least one or more authentication information of the customer. The method of claim 4 or 5, 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 Slip (or form) processing system characterized in that it comprises at least one or more of the tensile image information of the customer. The method of claim 1 or 2, wherein the at least one document (or form) data, A slip (or form) processing system comprising an electronic slip (or form) corresponding to a paper slip (or form) provided by a customer to a bank teller or customer service center. The method of claim 1 or 2, wherein the customer information, A slip (or form) processing system comprising at least one or more customer personal information and / or customer specific information and / or customer financial account (or card) information. The document (or form) processing server (or apparatus) according to claim 1 or 2, The slip (or form) processing system, characterized in that for transmitting a predetermined authentication code to the customer wired terminal and / or customer wireless terminal. Receiving unit for receiving at least one document (or form) data from the customer terminal; A storage unit storing the received at least one slip (or form) data in association with the customer information and / or the customer terminal information and / or the authentication code provided to the customer terminal in a predetermined storage medium; And And a document processing unit for providing the at least one document (or form) data to the counter terminal. The method of claim 10, wherein the storage unit, And a document (or form) processing device for storing the document (or form) data processed by the window terminal in a predetermined storage medium. The method of claim 10, wherein the slip (or form) processing apparatus, And a transmission unit for transmitting a predetermined authentication code to the customer wired terminal and / or the customer wireless terminal. The apparatus according to any one of claims 10 to 12, wherein each device component is On a single device (or server), or A slip (or form) processing apparatus, characterized in that provided in a plurality of devices (or servers). The said slip (or form) processing apparatus in any one of Claims 10-12, Consists of a single device (or server), or A slip (or form) processing apparatus comprising a plurality of devices (or servers). The method according to any one of claims 10 to 12, wherein the customer terminal, A slip (or form) processing apparatus comprising a wireless terminal and / or a wired terminal. The method of claim 10, wherein the at least one document (or form) data, Slip (or form) processing apparatus characterized in that it comprises at least one or more authentication information of the customer. The method of claim 16, 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 Slip (or form) processing apparatus characterized in that it comprises at least one or more of the tensile image information of the customer. The method of claim 10, wherein the at least one document (or form) data, A slip (or form) processing apparatus comprising an electronic slip (or form) corresponding to a paper slip (or form) provided by a customer to a bank window or a customer service center window. The method of claim 10, wherein the customer information, And at least one or more pieces of customer personal information and / or customer specific information and / or customer financial account (or card) information. A recording medium which records a program for executing a function of the device component of any one of claims 10 to 13. An input unit for inputting at least one or more data input through predetermined data (or signal) input means into a predetermined slip (or form) data input area; And And a transmission unit for transmitting the input one or more voucher (or form) data to a server (or device) on a communication network. The method of claim 21, wherein the at least one document (or form) data, And at least one authentication information of the customer. The method of claim 22, 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 21, wherein the at least one document (or form) data, A wireless terminal comprising an electronic slip (or form) corresponding to a paper slip (or form) provided by a customer to a bank window or a customer service center window. A recording medium comprising a program for executing the wireless terminal function of claim 21.

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