KR20090072570A - Method of determining fair bankbook - Google Patents

Abstract

A method of determining a fair bankbook and a method thereof are provided to verify the use of the fair bankbook through a system, thereby contributing to automation and electronization of window works. A window terminal(200) comprises a communication unit(205) and a fair bankbook determination unit(202). The communication unit is connected to a bankbook issuing machine(210) which prints a bankbook. The communication unit receives a type classification value of a bankbook from the bankbook issuing machine and a host system. The fair bankbook determination unit determines whether a bankbook is a fair bankbook by comparing type classification values of the bankbooks received from the bankbook issuing machine and the host system.

Description

Partial Bank Account Separation Automation System and Division Automation Method {METHOD OF DETERMINING FAIR BANKBOOK}

The present invention relates to a party accounting division automation system and a division automation method, and relates to a party accounting division automation system and a division automation method that can systematically verify whether a party passbook.

Recently, with the development of the electronic payment system and internet payment system related to banking services, the amount of deposits and withdrawals from visiting banks has been greatly reduced, but in the case of opening a new account or making a new telebanking or PC banking Due to security concerns, he still visits the bank in person.

However, the new transaction is made by the customer visiting the counter, drawing a number and waiting for it, and then going to the window when calling the number and receiving a guide by the letter provided by the teller and handing a paper application form of the transaction product. Receives and confirms the ID card of the customer for the real name certificate of the paper application written by hand, copies the ID card by using an offline printing device such as a scanner or a camera, and inputs the relevant transaction. After seeing the printed and printed items, the responsible person checked and checked whether the transaction was appropriate, the amount was correct, and the bankbook.

Therefore, this window service is not only required to have a variety of paper application forms, but if there is no corresponding paper application form, it must be searched, printed and used on a web site. Logistics costs a lot of movement, there was a problem that the counter processing time is delayed due to the transfer of the teller to receive payment from the responsible person.

In particular, when conducting bankbook issuance, it is required to check the bank account and issue it to the customer in the case of the banker's transaction. There was a problem in the automation or electronics of the counter service and the potential risk of operation because the seat was generated and the approval and payment of the responsible person were performed separately.

In addition, there was a problem in that the use of an account book or an arbitrary passbook or to cheat account.

Therefore, the present invention was devised to solve such a problem, and the object of the present invention is to verify the use of a party passbook through the system without verifying the actual use of the account, so that the approval and settlement of the person in charge can be integrated to automate the window work. Contribute to the electronics,

You can remove Teller's Stone for Supervisor Probation.

It is to provide a party accounting sorting automation system and a method of sorting automation that can prevent any usefulness of the bankbook realities and reduce the effort and time required to determine whether a bank account is booked.

In accordance with one embodiment of the present invention, a party accounting automatic classification system includes a customer terminal for storing and transmitting customer information, a teller terminal for bidirectionally communicating with the customer terminal, and sharing at least one screen for providing an electronic document; A host system connected to the teller terminal and the intranet and storing and processing the customer's financial transaction information, and an electronic document system storing the customer's financial transaction information as an image-based electronic document, wherein the teller terminal prints the account book. A party passbook connected with a bankbook issuer and comparing the bankbook issuer and the host system with a sorting value of the bankbook type from the host system, and comparing the sorting value of the bankbook issuer and the bankbook received from the host system to determine whether it is a party bankbook. Characterized in that it further comprises a determination unit.

In accordance with another embodiment of the present invention, the automatic party sorting method according to an embodiment of the present invention, when the terminal terminal connected to the intranet through the host system receives a bankbook type classification value from the host system when the bankbook issuing transaction, and inputs the bankbook from the bankbook issuer, the magnetic stripe of the bankbook is input. Receive the recorded bankbook type division value, and compares the bankbook type division value read out from the magnetic strip with the bankbook type division value transmitted from the host system.

According to the automated party accounting classification method according to an embodiment of the present invention, since the use of the party passbook is verified through the system, the seat of the teller to obtain the person in charge of the officer is removed, and any usefulness of the actual bankbook is blocked to prevent internal control. It can be strengthened, can perform the window service related to new transaction more quickly, and can contribute to the automation electronics of the window service.

Hereinafter, with reference to the accompanying drawings, the party passbook division automation system and division automation method according to an embodiment of the present invention will be described in detail.

First, in adding reference numerals to the elements of each drawing, the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

Meanwhile, in the present specification, the customer terminal has been described with an example of a liquid crystal tablet in the drawings, but the present invention is not limited thereto. If the customer can write, and if the customer's writing information can be stored and transmitted as an image, The terminal may be used.

1 is a schematic block diagram of a window service automation system according to an embodiment of the present invention, Figure 2 is a block showing the configuration of a party accounting division automatic system used in the window service automation system according to an embodiment of the present invention Figure 3 is a perspective view of the passbook used in the party passbook classification automation system according to an embodiment of the present invention.

1 to 3, the automated teller system 1 according to an embodiment of the present invention by the customer terminal 100, a means for providing information to the customer and the two-way communication with the customer terminal 100 Receiving information provided by the customer, and in response to the counter terminal 200 for providing information according to the needs of the customer (needs), and the host connected to the terminal terminal 200 through the intranet to process the customer's transaction information The system 300, and the electronic document system 400 for storing the information processed by the host system 300 by the database by the customer number in the electronic document.

The customer terminal 100 is installed in the window is connected to the window terminal 200 and the intranet to increase the security and may be controlled in the consultation mode and the consultation standby mode by the window terminal 200.

In addition, the customer terminal 100 may be controlled such that the window terminal 200 is shared by at least one screen by the customer counseling program that is carried by the customer and downloaded through the financial institution website provided by the financial institution. In this case, the customer terminal 100 may be a portable communication terminal, PDA, or the like.

In the present specification, the customer terminal 100 is a liquid crystal tablet, a liquid crystal display 110 for displaying a video screen, a tablet 120 embedded in the liquid crystal display 110 to receive and display customer information, An input means 130 for inputting information using a drawing function on the tablet 120 and a touch screen 140 for calling an electronic document or inputting customer information by a touch type, and the liquid crystal display 110. The tablet 120, the input unit 130, and the touch screen 140 are collectively controlled by the controller 150.

Here, the tablet 120 is a computer input device capable of inputting information such as a text or a picture to the system through the input means 130, a touch driven according to an input and reception method for receiving an external signal. It includes a screen (touch screen) mode and a digitizer (digitizer) mode, and further includes a mode switching unit 180 that can be switched between the tablet 120 or the touch screen 140 on the liquid crystal display 110 Can be entered.

The tablet 120 according to an embodiment of the present invention uses an electronic pen as the drawing input means 130 and separately attaches an antenna board to the rear of the liquid crystal display 110 to receive an input signal, and then draw input means. By using the digitizer mode to display the image signal on the liquid crystal display 110 by inputting commands and information designated by the user through the 130, the customer's handwriting information is stored in the memory 160 or through the communication unit 170. It may transmit to the terminal 200.

The customer terminal 100 may further include an offline recognition unit 101 that recognizes an image using a scanner or a camera, in addition to an online recognition unit that immediately recognizes drawing information. The offline recognition unit 101 may transmit the scanned image to the image system 250 of the host system 300 using the communication unit 103.

The customer terminal 100 may wirelessly communicate with the window terminal 200 through the wireless antenna 170a.

The window terminal 200 is configured to allow bidirectional communication, and is connected to the host system 300 or the electronic document system 400 through an intranet, which is suitable for customer needs, and checks only the customer's questions. It is done to be.

The window terminal 200 is screen-sharing with the customer terminal 100 in this way, the first screen 201 to install the web terminal program interface with the host system 300 or the electronic document system 400, and The processing result of the accounting system 310 of the host system 300 is displayed as a combination of information and images received from the information system 330 and the image system 340 and connected to the electronic document system 400. A second screen 202 is provided.

In addition, a video controller 204 is provided to control the first screen 201 and the second screen 202 to be asynchronously driven separately, and the first screen 201 is connected to the customer terminal 100. You can also control to share.

The window terminal 200 interfaces the first screen 201 to search the server 201a and the customer terminal 100 to search for a form or data necessary for financial products or consultation through the host system 300. Custom server 201b for automatically collecting and preparing financial products according to customer information when customer information is input through the host server 300 and electronic document system 400 and receiving server for receiving analog or digital information. 201c, a transmission server 201d for transmitting analog or digital information, and the like.

The host system 300 is an accounting system 310 for processing a transaction, a database 320 for storing a transaction log, and an information system 330 for managing customer information of a trading customer, and the customer terminal 100 or And an image system 340 for storing blind identification card image data input or received through the offline printing device 101.

The electronic document system 400 combines the image transmitted from the image system 340 and the information transmitted from the information system 330, and forms a customer code, a transaction code, and attribute values (factor order, printing). Page) to store a predefined electronic document.

The image system 340 of the host system 300 combines electronic forms, such as slips / documents, mapped to the corresponding factor information in the electronic document system 400 when printing information is returned from the host system 300 after the transaction execution is completed. For example, the information can be stored by overlaying the information on an electronic form.

The window terminal 200 is connected to the bank account issuing machine 210 for processing the information stored in the transaction log 320 is processed from the account system system 310 of the host system 300 to the bank account and the bank account issuing machine 210. And a communication unit 205 for receiving the kind classification value of the bankbook from the host system 300, and comparing the kind classification value of the bankbook received from the bankbook issuer 210 and the host system 300 to determine whether it is a party account. Includes a party pass judgment unit 202a to determine.

The bankbook issuer 210 includes an insertion groove 211 into which the bankbook is inserted, a magnetic decoder 212 for reading information recorded in the magnetic strip 11 disposed at the bottom of the rear surface of the bankbook, and the magnetic strip 11. It may further include a sensor 213 for detecting the printing position of the passbook so that information is not recorded on the image.

As shown in FIG. 3, the information recording unit 12 of the magnetic strip 11 includes customer information 12 and information recording start position such as a bankbook type 12a, a bankbook number 12b, a customer name 12c, or the like. The line page information part 12d indicating the end position is stored as a bit value, and the bankbook type 12a is disposed in the head part 11a of the magnetic strip 11, so that the decoder 212 is before the other information. The bankbook type value may be transmitted to the window terminal 200 through the communication unit 213.

Hereinafter, with reference to Figs. 4 to 5b will be described in detail the party account classification automation method used in the automated window method according to an embodiment of the present invention.

4 is a flowchart illustrating a window automation method according to an embodiment of the present invention, Figures 5a and 5b is a screen example showing a passbook printing process and a screen example showing whether or not a party passbook as a message, respectively .

In the automated method according to an embodiment of the present invention, a window terminal 200 connected to the host system 300 and the bankbook issuer 210 through an intranet includes at least one screen 201 and the customer terminal 100. In the state of sharing 202), the customer inquires through the bidirectional communication using the drawing function in the electronic notice, and the counselor responds to the question by answering the question (S10), and the teller tells the customer through the counter terminal 200. The electronic document application with the customer information overlaid on the electronic form that meets the needs is issued and shared on the tablet 110 of the customer terminal 100 to input the changed customer information by using the drawing function to create an electronic application (S20). Receiving an ID card image, such as identification card, signature, and stored in the image system 340 (S30), and enters a new transaction attached to the name card image and the electronic document application ( S40), it is determined whether such a responsible person approval and payment is necessary (S50), if no responsible payment is necessary (S51) automatically create an electronic form (S60), if it is determined that the approval and payment of the responsible person (S52), An electronic document application form and a real name card image are displayed on the first screen 201 of the responsible person's terminal device 200, and the contents of the printing are displayed on the second screen 202 so that the responsible person can integrate the approval and payment.

 On the other hand, the electronic bill is printed in the bankbook when the bankbook issuing machine 210 is operating normally, the bankbook is inserted into the bankbook insertion groove 211 of the bankbook issuer 210 (S70).

To this end, according to an embodiment of the present invention, the teller terminal 200 receives a passbook type classification value from the host system when the passbook issuing transaction through the party passbook determination unit 202a (S71), the passbook from the passbook issuer When the input is received, the bankbook type classification value recorded in the magnetic strip of the bankbook is received (S72), and the bankbook type classification value read from the magnetic strip is compared with the bankbook type classification value transmitted from the host system (S73). Displayed on the screen (S74).

For example, the window terminal 200 distinguishes the bankbook type classification value 12a read from the magnetic strip 11 of the bankbook 10 and the bankbook type transmitted from the host system using the party pass judgment unit 202a. If the value is matched (S75), when the bank book is inserted into the insertion groove 211 of the bank issuing machine 210, the account number, point number on the to or cover of the newly opened bank book as shown in Figure 5a , Customer segment, revenue contribution, cruelty, period of validity, selected segment, etc. are printed (S70).

On the other hand, without checking the contents of the passbook printing through the printed real bankbook, the teller terminal 200 displays the print history on the first screen 201 so that the check terminal 200 can be directly compared to the electronic application. In addition, an image of the electronic application may be displayed on the second screen 202, and a form list of the electronic application may also be displayed.

In addition, the window terminal 200 is a passbook type distinction value 12a read from the magnetic strip 11 of the passbook 10 using the right passbook determination unit 202a and a passbook type distinction value transmitted from the host system. If this discrepancy (S42), when the bankbook is inserted into the insertion groove 211 of the bankbook issuer 210, the message pops up automatically as shown in FIG. 5B.

This message may inform to try again, it may also indicate the type of bankbook put into the insertion groove (211).

At this time, once again, the electronic application displayed on the second screen 202 may be viewed and checked, and then may be retried as a party account.

A rejection message is sent to at least one screen 201 of the teller terminal 200 even when there is no bankbook type distinguished value 12a recorded in the magnetic strip 11 of the bankbook 10 or null when it is displayed as a bit value. I can display it. At this time, the sensor 213 may send a signal to print before or before the magnetic strip 11 head portion 11a.

By automatically confirming the justification of the kind of the passbook to be printed and printing it to the passbook, the window work can be automated and automated.

The above description is merely illustrative of the present invention, and those skilled in the art will appreciate that various modifications can be made without departing from the essential features of the present invention.

Therefore, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto shall be construed as being included in the scope of the present invention.

1 is a schematic block diagram of a window service automation system including a party pass classification system according to an embodiment of the present invention,

2 is a block diagram showing the configuration of a party passbook automatic classification system according to an embodiment of the present invention,

3 is a perspective view of a bank account used in the party passbook automatic classification system according to an embodiment of the present invention,

Figure 4 is a flow chart for explaining the party account classification automatic method according to an embodiment of the present invention,

5A and 5B are screen exemplary views showing a bank account factor process, a screen exemplary diagram showing whether a party passbook is a message,

Claims (11)

A customer terminal for storing and transmitting customer information, a teller terminal for bidirectionally communicating with the customer terminal and sharing at least one screen for providing an electronic document, and connecting the teller terminal to an intranet and storing customer financial transaction information And an electronic document system for processing the host system, and storing the financial transaction information of the customer as an image-based electronic document. The teller terminal is connected to a bankbook issuing machine that prints a bankbook, and compares the bankbook issuing device and the communication unit for receiving the sorting value of the bankbook from the host system, and compares the sorting value of the bankbook issuer and the bankbook received from the host system; Party accounting classification automation system further comprising a party accounting judgment to determine whether the party account. The method of claim 1, And the bankbook issuer includes a reader for reading the bankbook type code value recorded in the magnetic strip of the bankbook inserted through the insertion groove, and a communication unit for transmitting the read bankbook type code value. The method of claim 2, And the window terminal is a party account classification automation system that displays a message when at least one screen differs between the bankbook issuer and the transaction account received through the host system. The window terminal connected to the host system and the intranet receives the bankbook type classification value from the host system at the time of the bankbook issuing transaction, and when the bankbook is input from the bankbook issuer, the bankbook type classification value recorded in the magnetic strip of the bankbook is received, and from the magnetic strip And a bankbook type classification value transmitted from the host system, and displaying the result on at least one screen. The method of claim 4, wherein Comparing the bankbook type division value, And if the bankbook type classification value read from the magnetic strip and the bankbook type classification value transmitted from the host system coincide with each other, pass through the bankbook printing. The method of claim 4, wherein Comparing the bankbook type division value, And passbook through the inlet when the passbook type division value read out from the magnetic strip and the passbook type division value transmitted from the host system are inconsistent or the passbook type division value is null. The method according to claim 5 or 6, And displaying a message displaying a comparison result of the bankbook type division values on at least one screen of the window terminal. The method of claim 7, wherein The message is a retry message. The method of claim 4, wherein The automatic passbook classification automation method of storing the bankbook type division value in the magnetic strip as a code value in the magnetic strip head portion. The method of claim 9, The printing of the passbook may include printing the passbook before or after the magnetic strip head portion. Consultation between the customer terminal and the counter terminal by sharing the screen; Inputting customer information using a drawing function on the customer terminal in the electronic application shared by the counter terminal; Receiving an image of an ID card, Entering a new transaction, If it is necessary to determine whether the approval of the responsible person is approved and the payment of the authorized person is required, the electronic steps for the integrated payment of the responsible person are included; Confirming the justification of the kind of bankbook to be printed; A method of automated teller service, including printing to a party passbook.

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