KR20090128944A - Financial terminal with function of applying giro automatic payment, system and method for applying giro automatic payment by using terminal - Google Patents

Abstract

PURPOSE: A financial terminal having a giro automatic transferring application function, a giro automatic transferring application method using the terminal, and a system thereof are provided to notify of contents on automatic transferring through an unmanned bill collecting machine, thereby realizing payment fund attraction. CONSTITUTION: A giro confirming unit(150) compares more than one piece of giro or bill information with transferrable giro or bill information stored in a memory unit. An automatic transferring application unit outputs the transferrable giro or bill information on a screen. The automatic transferring application unit receives an automatic transferring application from a client. An information transmitter transmits client information and automatic transferring-applied giro information to a server of a network.

Description

Financial Terminal with Function of Applying Giro Direct Debit and Method and System for Applying Giro Automatic Debit {@Financial Terminal with Function of Applying Giro Automatic Payment, System and Method for Applying Giro Automatic Payment by Using Terminal}

1 is a diagram showing the functional configuration of a financial terminal for automatic debit application in accordance with an embodiment of the present invention.

2 is a diagram illustrating a method of operating a financial terminal according to an embodiment of the present invention.

3 is a diagram illustrating an information registration system for provisional registration of giro automatic transfer application information according to another embodiment of the present invention.

Figure 4 is a diagram showing the configuration of the direct debit application information stored in the ledger D / B provided in the DBMS on the financial system for provisional registration of the direct debit application information according to an embodiment of the present invention.

5 is a diagram showing the configuration of the automatic debit application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system for provisional registration of the automatic debit application information according to another embodiment of the present invention.

FIG. 6 is a diagram illustrating the configuration of automatic debit application information stored in a DBMS provided in a banking server for provisional registration of automatic debit application information according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of registering the direct debit application information for provisional registration of the direct debit application information according to an embodiment of the present invention.

8 is a diagram illustrating a face to face information registration system for Jiro automatic transfer application according to an embodiment of the present invention.

9 is a view showing the configuration of the automatic debit application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face for Jiro automatic debit application in accordance with an embodiment of the present invention.

FIG. 10 is a diagram illustrating the configuration of automatic debit application information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for an automatic debit application according to another embodiment of the present invention.

11 is a view showing the configuration of the automatic debit application information stored in the DBMS provided in the banking server in a face-to-face for Jiro automatic debit application in accordance with another embodiment of the present invention.

12 is a diagram illustrating a process of registering the direct debit application information in a face-to-face manner according to an embodiment of the present invention.

13 is a diagram illustrating a functional configuration of a financial terminal for automatic debit application according to another embodiment of the present invention.

14 is a diagram illustrating a method of operating a financial terminal according to another embodiment of the present invention.

FIG. 15 is a diagram illustrating an information registration system for a Jiro automatic transfer application according to another embodiment of the present invention.

FIG. 16 is a diagram illustrating the configuration of automatic debit application information stored in a ledger D / B provided in a DBMS on a financial system for a direct debit application according to an embodiment of the present invention.

FIG. 17 is a diagram illustrating the configuration of automatic debit application information stored in a database associated with the ledger D / B provided in a DBMS on a financial system for a direct debit application according to another embodiment of the present invention.

18 is a diagram showing the configuration of the automatic transfer application information stored in the DBMS provided in the banking server for Jiro automatic transfer application according to another embodiment of the present invention.

19 is a diagram illustrating a process of registering direct debit application information according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: power supply unit

130: communication unit 135: document processing unit

140: print output section 145: memory section

150: Jiro confirmation unit 155: Direct debit application unit

160: customer authentication unit 165: information transmission unit

The present invention checks the information (or bills) that can be automatically debited from the bill (or bills) paid by the customer, and receives (or selects) the direct debit application information for the checked bill (or bills), the input (Or select) the financial terminal that sends the debit application information (or the details) for the received payment (or the utility bill) to the server through the network and the debit application information (or the details) provisionally registered in the storage medium (or ledger) And a server which normally registers and processes a direct debit application information (or details) registered in the storage medium (or ledger) when the customer's paper (or utility bill) direct debit application information is received from a predetermined window terminal. It relates to a direct debit application system.

In recent years, the utility of unmanned utility bills, it is possible to replace the customer who was driven to the window to pay the existing bills.

However, the age group that is difficult to operate the utility unattended receivers are still crowded to the window, and even the utility unattended receivers are not easy for customers to use on the deadline of the utility bill payment.

It is time to find ways to actively utilize the utility bill unmanned storage device and to solve fundamental problems with the utility bill payment environment.

An object of the present invention for solving the above problems is the step of checking the information (or bills) that can be automatically debited from the payment (or utility bills) by the customer in the financial terminal, and the automatic transfer possible confirmed in the financial terminal Receiving (or selecting) debit application information for giro (or utility bill), and debit application information (or breakdown) for the giro (or utility bill) received at the financial terminal through the network. Transmitting to the server, temporarily registering the debit application information (or details) in the storage medium (or ledger) in the server, and applying the direct debit application information of the customer from a predetermined teller terminal on the server. If received, the automatic debit transfer including the step of normally registering the debit application information (or details) registered in the storage medium (or ledger) It provides a method to provide.

A financial terminal equipped with a giro automatic debit application function according to the present invention is a financial terminal having a memory unit for recognizing and reading a giro (or utility bill) slip and storing the information, and storing the giro (or utility bill) information that can be automatically transferred. In the present invention, the information of one or more branches (or bills) recognized and read is compared with the information of automatic transfers (or bills) stored in the memory unit. When the information on the debitable bank account (or utility bill) is confirmed, the screen may display the information on the direct debitable bank account (or utility bill) and input the direct debit application from the customer among the displayed screen of the direct debitable bank account. Receive the direct debit application section and the customer information and the giro information that the customer applied for direct debit to the server on the network By having information transmission unit which is characterized in that formed.

The method may further include a customer authentication unit which receives and inputs authentication information for the direct debit application customer.

In addition, it is characterized in that it further comprises an electronic signature processing unit for processing the electronic signature input by Jiro automatic transfer application customers in conjunction with the customer information or automatic debit application Jiro information.

According to the present invention, the method of applying for direct debit is to check the information of the debitable debitable (or utility) information of the payments made by the customer in the financial terminal (or utility bills), and to check the automatic debitable payments in the financial terminal. Receiving (or selecting) the debit application information for the (or utility bill) and the debit application information (or details) for the payment (or utility bill) received from the financial terminal through the input (or selection) through the network Transmitting to the server, temporarily registering the debit application information (or details) in the storage medium (or ledger) in the server, and applying the direct debit application information of the customer from a predetermined teller terminal on the server. If received, comprising the step of registering the debit application information (or details) pre-registered in the storage medium (or ledger) normally It shall be.

In addition, the step of verifying the information (deductible) to the direct debitable (or bills) of the payment (or utility bills) that the customer pays at the financial terminal, and the application for direct debit for the identified direct debitable giro (or utility bills) at the financial terminal Receiving (or selecting) information and customer digital signature information, and debiting application information (or details) and customer electronic signature information for the input (or utility bill) from the financial terminal. And transmitting the debit application information (or details) to a storage medium (or ledger) in the server.

Giro automatic debit application system according to the present invention, after the customer pays (or utility bills), check the information available for automatic transfer (or utility bills), input the debit application information for the confirmed giro (or utility bills) Store the financial terminal and the debit application information (or details) for receiving (or selection) and transmitting the debit application information (or details) for the input (or utility bill) to the server through a network. When temporary registration is made in the medium (or ledger) and the customer's paper (or utility bill) direct debit application information is received from a predetermined teller terminal, the debit application information (or details) pre-registered in the storage medium (or ledger) is normally stored. And a server for registration processing.

According to the present invention, the server, when the customer electronic signature information is further received from the financial terminal, characterized in that for registering the debit application information (or details) to the storage medium (or ledger).

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 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 made based on the contents throughout the present invention.

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, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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 view showing the functional configuration of the financial terminal 100 for automatic debit application according to the embodiment of the present invention.

In more detail, FIG. 1 shows an unmanned system such as a utility bill or cash dispenser (CD) or an automatic teller machine (ATM) provided at a predetermined financial institution (eg, a commercial bank branch) or a public place. In the financial terminal 100, among the one or more giro fees to be paid by the customer in the process of paying the one or more giro fees, the giro charges that can be automatically debited are identified, and the automatic repayment of the giro fee is possible. As shown in the preferred functional configuration for processing the transfer application, those of ordinary skill in the art to which the present invention belongs, financial reference to process the application for the automatic payment of giro charges according to the present invention by referring to or modifying the drawing 1 Various implementation methods for the terminal 100 may be inferred, but the present invention includes all the implementation methods inferred. And it not limited by the exemplary method shown in the figure 1.

Referring to FIG. 1, the financial terminal 100 recognizes an MS card or an IC card to be used as a payment processing means for one or more giro fees, and acquires predetermined information, and one or more giro books. A ticket processing unit 135 for acquiring predetermined receipt information or a book image printed on the chart by recognizing and reading the document; and a key input unit 120 for receiving predetermined payment information for each stage of payment of the bill. Receiving information about one or more giro to be paid by the customer acquired from at least one form through the processing unit 135, payment means information obtained from a predetermined payment means through the card reader unit 110 and at least one or more Through the financial terminal 100 and the communication unit 130 for exchanging the payment amount information including the payment amount included in the received information with a predetermined server (or device); A screen output unit 115 for outputting a processing screen at each branch payment step, a key input unit 120 for receiving predetermined information according to each branch payment step, at least one branch storage information, storage history, and storage result; Print output unit 140 for printing the debit request information for one or more giro that the customer applies, and the financial terminal 100 for the giro storage processing information and giro storage history information for the giro storage processing; And a memory unit 145 for storing information of one or more debitable jiro information for processing of the automatic debit application, a power supply unit 125 for supplying power to the financial terminal 100, and at least one terminal function unit; It includes a control unit 105 for controlling each functional component provided in the financial terminal 100.

The control unit 105 controls the overall operation of the financial terminal 100 in the functional configuration, and manages the flow of information or data between each component, according to the present invention, when one or more customers are processed to store giro, Among the one or more giro to be processed, by checking the giro capable of automatic transfer, to control at least one or more components provided in the financial terminal 100 to provide an automatic transfer application service for the identified giro In addition, at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) and the execution memory (for example, a register) and a bus (BUS) for inputting and outputting predetermined data and At least one electronic circuit (or integrated circuit), characterized in that the software to perform a specific function It is characterized in that it comprises a predetermined program routine (Routine) or program data that is loaded from the predetermined recording medium provided in the financial terminal 100 to the execution memory and arithmetic processing by the processor.

In particular, the control unit 105 includes a predetermined operating system or terminal control program routine for managing the financial terminal 100 after the financial terminal 100 is booted by software.

In the following Figure 1 according to the present invention, when one or more customers receive the process of storing giro, one or more of the giro received by the customer, the process of the automatic transfer is possible by checking the giro, the automatic transfer application service for the identified giro At least one program component provided in the financial terminal 100 is provided in the controller 105 for convenience.

The card reader unit 110 provides an interface between the card and the financial terminal 100 to read at least one or more information or data included in the card provided by the customer as a financial transaction settlement means for storing one or more giro. MS reader interface for interfacing the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the financial terminal 100, or a contact IC (Integrated Circuit) card based on the ISO / IEC 7816 standard The contact IC reader unit for interfacing with the financial terminal 100 or the contactless IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 100. Alternatively, the contactless IC reader unit may correspond to the IC card reader provided in the financial terminal 100.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the at least one track (Track) included in the MS of the MS card, the predetermined information or data is characterized in that the interface to the financial terminal 100.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized in that the interface to the terminal 100.

The non-contact IC reader unit is a card reader unit 110 based on ISO / IEC 14443. At least one antenna which makes an electrical contact with a non-contact IC card by using capacitive coupling or inductive coupling, etc. It comprises a, and supplies power to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU financial terminal 100 It is characterized in that the interface with).

According to an embodiment of the present invention, the card reader unit 110 recognizes a payment means including at least one of a cash card, a debit card, a bank account, a credit card, a check card, an electronic money, and the like to obtain predetermined payment means information. It is preferable to read and provide the read payment means information to the controller 105.

For example, the payment means information may include at least one of a cash card number, debit card number, account number, credit card number, check card number, electronic money information, etc. corresponding to each payment method.

The book processing unit 135 recognizes and reads an OCR (Optical Character Recognition) book, a fixed OCR book, a MICR (Magnetic Ink Character Recognition) book, or a book including at least one of a book or a standard OCR book. It is characterized by obtaining the predetermined storing information printed in the form.

According to the method of the present invention, the journal processing unit 135 further includes a function (for example, an optical scan function or a digital camera photographing function) for digitizing the information and the shape printed on the journal to generate a predetermined journal image. It is preferable to include.

In addition, the book processing unit 135 may include a book image generation function for recognizing and reading predetermined storing information written in a book (for example, A book) by the payer, and pattern recognition of the book image. Preferably, the method further comprises a handwritten character / number recognition system for recognizing the information.

According to the present invention, the receipt information obtained by recognizing and reading a predetermined journal through the journal processing unit 135 includes at least one billing agency number, a payer number, and a payment amount information. The billing agency number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number printed on the book. Preferably, the payment amount information includes at least one of in-delivery amount information or post-delivery amount information printed on the table.

The key input unit 120 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Information (or a signal) inputted from the device, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the financial terminal 100 controlled by the controller 105. When a (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The controller 105 is Acquire predetermined key data corresponding to the key event in the current input mode or operation mode of the financial terminal 100, or execute a predetermined function matched with the key event. Characterized in that for obtaining instruction. The key input unit 120 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the financial terminal 100.

According to an embodiment of the present invention, a key input device that interoperates with the key input unit 120 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (eg, an English character). Key or Korean character key) and a function key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one numeric key, a character key and a function key It is preferable to include at least one touch screen device.

According to the implementation method of the present invention, the key input unit 120 checks the one of the one or more giro charges that the customer intends to pay in the process of paying the one or more giro charges according to the present invention, the giro charges available for automatic transfer Preferably, at least one or more pieces of information corresponding to each step of processing the debit application for the identified debitable giro fee are received from a predetermined key input device.

The screen output unit 115 is predefined or real time to be output by the control unit 105 to a predetermined screen output means including a liquid crystal display (LCD) or a cathode ray tube (CRT) in the financial terminal 100. Characterized in that it outputs at least one or more information or data that is defined, the key data, financial terminal (input) input through the key input unit 120 to the predefined information or data to be output on the screen from the financial terminal 100 ( It includes information stored or generated by the components included in the 100, information transmitted and received through the communication unit 130, data corresponding to a predetermined operation result performed by the financial terminal 100.

According to the exemplary embodiment of the present invention, the screen output unit 115 preferably outputs a processing screen according to the storing step of the financial terminal 100, and the customer in the process of paying one or more giro fees. Among the one or more giro charges to be paid, it is preferable to check the giro charges that can be directly debited, and to output a screen for processing the debit application for the identified auto debitable giro charges.

For example, after the giro storage process, if there is a direct debitable Jiro, a screen for outputting information to the direct debitable Jiro, or a screen for applying for direct debit, or customer information of customers who apply for direct debit (for example, social security number, account number, password) It is preferable to print a screen for inputting a screen or a screen for inputting a direct debit application (for example, a depositor's name, an account number, an institution, a type of Giro, a Giro number, a payer's number, an initial transfer date, etc.).

The communication unit 130 provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial terminal 100 and the external system of each financial system) provided in the financial terminal 100. And a network communication unit 130 or a predetermined cable communication port (eg, providing transaction communication with a [server] provided on the financial system through a financial network (for example, a party network or a CD / ATM network) in hardware). Cable communication unit 130 or Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), wireless to provide transactional communication with external communication devices through RS-232c, USB (Universal Serial Bus), etc.) Including a local area communication unit 130 for providing transactional communication with the local area communication device through at least one or more local area wireless communication, including a LAN (Wireless LAN), Wi-Fi (Wi-Fi), Ultra Wide Band system (UWB) It becomes uh, comprises a communication protocol and communications applications to provide transactional communications by software.

The network communication unit 130 may be a predetermined wired network including at least one or more financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network, etc.), and / or a CDMA-based mobile communication network, or a US DataTAC scheme of Motorola. Or connecting a communication channel with a server (or terminal) on the wired or wireless network through a predetermined wireless network including at least one of Erricson's Mobitex-based wireless data communication network or an IEEE 802.16 based portable Internet network. And includes a modem or a network interface card (NIC) for connecting the financial terminal 100 to a predetermined wired / wireless network in hardware. The financial terminal 100 may be software-controlled. Communication protocols and / or drivers for connecting to the network.

The cable communication unit 130 connects a communication session with a predetermined terminal (or device) through a predetermined cable communication (for example, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit 130 includes infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wireless LAN), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system) It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

According to an embodiment of the present invention, the communication unit 130 may include at least one or more storing information obtained from at least one form through the form processing unit 135 and a predetermined payment means through the card reader unit 110. It is preferable to exchange the payment amount information, which is the sum of the acquired payment means information and the payment amount included in the at least one storing information, with a predetermined server (or device).

The print output unit 140 reads predetermined storing information by the financial terminal 100 by recognizing and reading a predetermined function (for example, at least one document, and based on the storing information through a predetermined payment means. And a predetermined information or data (for example, a billing result) generated as a result of the process of performing a function of automatically storing billings, etc.), or the result of the billing. A printing protocol and a driver for printing the print information or data in accordance with a form through a predetermined printing device.

According to the exemplary embodiment of the present invention, the print output unit 140 preferably prints out the accommodation details and the storage results including at least one or more of the accommodation information, predetermined payment means information, and payment amount information.

In addition, according to the embodiment of the present invention, the print output unit 140 checks the one of the one or more giro charges that the customer wants to pay in the process of the customer paying one or more giro charges, the giro charges available for automatic transfer, When applying for automatic debit among the confirmed direct debit possible giro, it is preferable that the customer prints out the details and the results of the application for direct debit.

The memory unit 145 is a storage medium for storing at least one or more information or data required for the control unit 105 to perform a predetermined control function. The memory unit 145 hardware-electrically erasable and programmable read only memory (EPEROM), FM (Flash Memory) and at least one storage means including a hard disk drive (HDD), and includes a predetermined program routine and program required for the control unit 105 to perform a predetermined control function in software. Data (e.g., data input or output for a program routine to perform a predetermined function).

According to the exemplary embodiment of the present invention, the memory unit 145 may be automatically debited among the one or more giro charges the customer intends to pay in the course of the customer paying one or more giro charges according to the present invention. It is preferable to store the at least one financial transaction processing information used to process the automatic debit application for the identified direct debitable giro charges by checking the possible giro charges, or to process the automatic debit application for giro charges and store the giro. After the processing, it is preferable to store the Jiro automatic transfer application history information and Jiro storage processing history information.

According to an embodiment of the present invention, the memory unit 145 preferably stores one or more giro information that can be automatically transferred.

The terminal function unit is a component provided in the financial terminal 100 in addition to the components shown in FIG. 1 or a component provided in the financial terminal 100 for a predetermined purpose or role, and typically supports financial transaction support. It includes a variety of additional function configuration according to the intention of those skilled in the art, such as a secure application module (SAM) or a print output unit 140 for printing and printing a receipt or a biometric device for biometrics. Those skilled in the art to which the present invention pertains will easily understand each terminal functional unit provided according to the characteristics of the financial terminal 100, and thus a detailed description thereof will be omitted.

Referring to FIG. 1, the financial terminal 100 checks whether or not the automatic payment is included in one or more of the giro payments paid by the giro payment customer, and confirming unit 150 and one or more payments made by the customer. If one or more of the automatically debitable giro among the giro included, the automatic debitable giro information is displayed on the screen, the automatic debit application for receiving the automatic debit from the customer from the screen of the automatic debitable giro information output screen 155 ), A customer authentication unit 160 for requesting and inputting authentication information for the direct debit application customer, and after completion of the authentication for the customer, the customer information and the server information on the network for the direct debit application. Characterized in that it comprises an information transmitting unit 165 to transmit to.

The branch confirming unit 150 checks whether the branch which can be automatically debited is included with respect to one or more branches of the branch paying customer.

According to the method of the present invention, the branch confirmation unit 150 is a billing institution including the branch information recognized by the ticket processing unit 135 (for example, the branch number or collection agency number or the publication number issued to the ticket) Number, etc.) and the automatic transferable giro information stored in the memory unit 145, and checks whether the giro information that can be applied for automatic transfer is included among the giro paid by the customer.

When the debit application unit 155 includes one or more branches that can be automatically debited among one or more of the branches paid by the customer, the automatic debit request section 155 outputs the screen information of the automatically debitable giro, and the screen is automatically debitable. Characterized in that the request for direct debit from the customer, the debit application history is provided to the information transmission unit 165.

The customer authentication unit 160 is characterized in that the request to receive the authentication information for the direct debit application customer input, and provides the information to the information transmission unit 165 received the debit application request.

After the authentication of the customer is completed, the information transmitting unit 165 transmits the customer information and the giro information that the customer applied for automatic transfer to a server on a network.

According to the embodiment of the present invention, the information transmitting unit 165 transmits the direct debit application information of the customer through the communication unit 130 of the branch of the receiving bank or the receiving bank equipped with the financial terminal 100. Characterized in that the transmission to the server provided in the head office, the banking system of the storage bank, or on a network interworking with the banking system of the storage bank, wherein the direct debit application information is sent to the customer ledger corresponding to the customer information. It is preferable to register temporarily.

2 is a diagram illustrating a method of operating the financial terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that the financial terminal 100 as shown in FIG. 1 recognizes and reads at least one branch through the book processing unit 135 of the financial terminal 100 to process at least one storing operation. In the process, if there is a branch which can be directly debited, the bank terminal outputs the debitable branch information and confirms whether the branch debit application is made by the customer, and processes the debit application of the branch. As an example of an operation screen, those of ordinary skill in the art to which the present invention pertains can easily infer each operation screen of the financial terminal 100 according to the intention of those skilled in the art by referring to or modifying the present invention. It should be understood that the present invention is not limited thereto.

In addition, one of ordinary skill in the art to which the present invention pertains can easily infer the respective information obtained from each operation screen through the operation screen of the financial terminal 100 illustrated in FIG. will be.

2A is an initial screen of the financial terminal 100 equipped with a storage function of the branch (or utility bill), and the customer may enter a document in which predetermined storage information is printed according to the branch form. 100 is inserted into the bill insertion slot provided in the 100, and the bill processing unit 135 provided in the financial terminal 100 recognizes and reads the inserted bill through the functional configuration as shown in FIG. As shown in (b) of FIG. 2, the obtained storing information is output to the screen.

The procedure of inserting a book and acquiring storing information may be repeatedly performed for a plurality of sheets. If the process of acquiring predetermined storing information from at least one book is completed, the financial terminal 100 is shown in FIG. Calculate a predetermined payment amount (eg, the total payment amount summed up with the payment amount included in the at least one storing information) by summing the payment amount included in the obtained at least one storing information as shown in (c) of FIG. Request payment processing for the payment amount through a predetermined payment means.

The customer performs payment processing for the payment amount (total payment amount) through a payment means including at least one of a cash card, a debit card, a bank account, a credit card, a check card, and an electronic money.

After the payment processing for the payment amount (total payment amount) corresponding to the storage information obtained from the at least one form as described above, the financial terminal 100 has a screen as shown in (d) of Fig. 2 Is output.

Thereafter, the financial terminal 100 checks whether the direct transfer (or utility bill) is included from the obtained one or more forms, and if the direct transfer (or utility bill) is included, the (e) As shown in the figure, a screen for guiding Jiro / utility bills is displayed.

In addition, the financial terminal 100 is a screen for applying the automatic payment of Jiro / utility bill for inputting customer information (for example, resident registration number, password, account number, etc.) for Jiro / utility bill transfer as shown in FIG. When the input of the customer information is completed, the screen for completing the automatic application for automatic transfer of bills and bills as shown in (g) of FIG. 2 is output.

Subsequently, the giro / utility automatic debit application information requested by the customer is temporarily registered in a storage medium (or ledger) of a server (for example, a financial server, etc.) interworking with the financial terminal 100, and the automatic debit application customer If you apply for direct debit by visiting a branch or the like, the provisional giro / utility bill application information is registered normally.

3 is a diagram illustrating an information registration system for provisional registration of giro automatic transfer application information according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates a case in which a predetermined customer requests automatic debit for one or more giro through the financial terminal shown in FIG. 1, through the predetermined information registration interface in the financial terminal. Direct debit application information If the provision of the direct debit application information including at least one or more customer information, direct debit target geospatial information for registration, the customer information included in the debit application information provided by the information registration system, direct debit target This is a system configuration in which the giro information is co-processed and temporarily registered in a predetermined storage medium 330 (or ledger). Those skilled in the art to which the present invention pertains may refer to or modify this figure. It is possible to infer various implementation methods for the information registration system for temporary debit application information registration. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the direct debit application information provided from the customer on the storage medium 330 via a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 300" for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, the information registration system for provisional registration of giro automatic transfer application information includes a financial terminal including at least one bill acceptor and an automated device used by a customer as an information registration terminal. Characterized in that, the information registration terminal is connected to the communication channel and the information registration server 300 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the information registration terminal includes an automatic teller machine (ATM) and a cash dispenser (CD) connected to a predetermined financial network (for example, a financial common network). It may comprise a financial automated device (not shown) or a bill acceptor, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) or a bill acceptor and the information registration server. The financial network connecting 300 performs a function of an information registration interface for the customer to register the direct debit application information for provisional registration of the direct debit application information.

In addition, the information registration terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface to transmit to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the information registration terminal corresponding to at least one or more financial terminals, so a detailed description thereof will be omitted for convenience.

The storage medium 330 provided on the information registration system according to the present invention performs a predetermined storage medium by linking and processing the customer information and the target information of the automatic transfer target included in the direct debit application information provided from the information registration terminal. And at least one of the customer information stored in the storage medium 330 and the at least one direct debit target point information stored in the storage medium 330 is used to register the debit application information. .

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

According to an embodiment of the present invention, when the information registration terminal is a utility bill acceptor or an automatic teller machine connected to a predetermined financial network, the interface unit 305 stores the utility bill based on a protocol stack defined in the financial network. A communication interface for connecting at least one communication channel with an automatic teller machine or a financial automation device and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the utility bill acceptor or the automatic teller machine. It is desirable to.

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined debit application information from the information registration terminal to provide the information registration terminal to the information registration terminal; In addition to the interface unit 305, the information receiving unit 315 for receiving a predetermined automatic transfer request information input (or selected) and transmitted from the information registration terminal through the user interface, and the received automatic transfer request information Comprising the customer information, the target information to the direct transfer to include the information storage to register in the predetermined storage medium 330 (or ledger) It is characterized by.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) direct debit application information and transmit it to the information registration server 300 through the network means (or financial network), or extract from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 305 is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) the direct debit application information including at least one of the customer information and the direct debit target information on the basis of the user interface, and the input (or selected) debit application. Information is transmitted to the information registration server 300 through the network means (or financial network).

According to an embodiment of the present invention, when the information registration terminal is a utility bill acceptor or a financial automation device connected to a predetermined financial network, the interface providing unit 310 is related to the financial transaction provided in the utility bill acceptor or the automatic teller machine. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the utility bill acceptor or the automated teller machine through the interface unit 305.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the direct debit application information to the information registration terminal and transmitting the information to the information registration server 300 through the network means. When the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

When the information receiving unit 315 inputs (or selects) the direct debit request information including at least one of customer information and direct debit target information through the user interface through the user interface, and transmits the information through the network means, It is characterized in that for receiving the direct debit application information in conjunction with the interface unit 305, and provides the received debit application information to the validity verification unit 320.

The validity confirming unit 320 is characterized in that whether the debit application information received from the information registration terminal satisfies the validity for registration of the direct debit application information.

According to an embodiment of the present invention, the validity of the direct debit application information is determined whether at least one ledger information matching the direct debit application information is registered in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

For example, checking the validity of the direct debit application information includes checking whether the customer information included in the direct debit application information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validation of the debit application information includes checking whether the account information included in the debit application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

When the validity of the direct debit application information is confirmed, the information storage unit registers in the storage medium 330 (or ledger) by linking and processing the customer information included in the direct debit application information, the debit target giro information Characterized in that, when the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300, the information storage unit the received automatic debit application The customer information included in the information and the direct debit target giro information is processed in conjunction with the storage medium 330 (or ledger) is preferably registered, the storage medium 330 is provided in the DBMS provided on the financial system If the information storage unit is provided, the customer information contained in the received debit application information, direct debit target Jiro information by providing to the information system through the external system on the financial system That is registered in the DBMS provided on the elevated system is preferred.

Figure 4 is a diagram showing the configuration of the direct debit application information stored in the ledger D / B provided in the DBMS on the financial system for provisional registration of the direct debit application information according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates that when the storage medium 330 of FIG. An information structure for an exemplary embodiment of a method for storing direct debit application information including target giro information is shown. If a person of ordinary skill in the art belongs to the present invention, the present invention may be referred to or modified with reference to FIG. Various information construction methods for storing the debit application information in D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus detailed description thereof will be omitted.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to Figure 4, the automatic transfer application information provided through the information registration system shown in Figure 3 is stored in the form of additional information added to the account ledger, the debit application information is customer information, Characterized in that it comprises at least one or more information on the direct debit destination.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

According to another exemplary embodiment of the present invention, the direct debit application information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, the customer ledger). It may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

5 is a diagram showing the configuration of the direct debit application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system for provisional registration of the direct debit application information according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates an information structure of an exemplary embodiment in which the storage medium 330 shown in FIG. 3 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As one having ordinary skill in the art to which the present invention pertains, various information configuration methods for storing the automatic debit application information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 5 It may be inferred that, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 5 illustrates a case in which it is not easy to store the direct debit application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution of the DBMS ledger D / B). Is not easy to change, or the system is not easy to expand due to the nature of the financial system), the debit application information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 5 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 5, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 5, the database is characterized in that the customer information included in the direct debit application information, and the direct debit destination giro information is stored in association, the debit application information is linked to the ledger D / B processing It is preferable that the CIF number corresponding to the ledger information is further included in the direct debit application information.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

Figure 6 is a diagram showing the configuration of the direct debit application information stored in the DBMS provided in the banking server for provisional registration of the direct debit application information according to another embodiment of the present invention.

More specifically, FIG. 6 shows a DBMS in which the storage medium 330 shown in FIG. 3 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, those skilled in the art to which the present invention pertains, the automatic transfer is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present Figure 6 It is possible to infer a method of constructing information on the application information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 6, the predetermined DBMS provided in the banking server is characterized in that the customer information included in the automatic transfer application information, the target information to the direct transfer to store the linkage processing.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

7 is a diagram illustrating a process of registering the direct debit application information for provisional registration of the direct debit application information according to an embodiment of the present invention.

In more detail, in FIG. 7, when a financial terminal is accessible through a predetermined network means, the information registration server 300 on the information registration system shown in FIG. 3 is connected to the information registration server 300. Connected to a communication channel for information registration according to the present invention, and then transmitting the debit application information including the customer information and the target of direct debit to the information registration server 300 through the communication channel. When the information registration server 300, the customer information included in the received direct debit application information, automatic debit target giro information is stored in a predetermined storage medium 330 to process the temporary registration, Those skilled in the art to which the present invention pertains, the information registration server 300 in the client terminal by referring to or modifying this figure 7 Although various implementation methods for provisionally registering the direct debit application information may be inferred, the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the financial terminal shown in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 shown in FIG. 3 is referred to as a “server” for convenience, and the information is registered in the financial terminal. The customer information to be sent to the server 300, the destination information to the direct transfer is referred to as "direct debit application information" for convenience.

Referring to FIG. 7, the financial terminal shown in FIG. 3 connects to a server through a predetermined network means (or a financial network), connects a predetermined communication channel for registering the debit application information, and connects to the branch. When requesting registration of the direct debit application information for temporary registration of the direct debit application information (700), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the direct debit application information (705). In step 710, the generated (or extracted) web page is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) direct debit application information including at least one of the customer information and the target information of direct debit to the terminal. Do.

In addition, the web page transmission or output process is preferably performed at least once according to the debit application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the debit application information including the at least one or more customer information and the debit target point information through the information registration interface (715).

If the terminal receives (or selects) the debit application information including the customer information and the direct debit target information through the information registration interface (720), the terminal inputs (or selects) the communication channel. In step 725, the transferred customer information and the debit destination information are transmitted to the server.

According to an embodiment of the present invention, transmitting the input (or selected) customer information and the debit target destination information to the server through the communication channel may include automatic transfer input (or selection) through the information registration interface. The application information may be made by transmitting the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the customer information and the direct debit target branch information through the communication channel to confirm the validity of the debit application information (730).

According to an embodiment of the present invention, checking the validity of the direct debit application information, if the debit application information is electronically signed or encrypted through the security module provided in the terminal, decrypt the debit application information Alternatively, or further comprising decrypting the debit application information.

According to an embodiment of the present invention, the validity of the direct debit application information is determined whether at least one ledger information matching the direct debit application information is registered in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

For example, checking the validity of the direct debit application information includes checking whether the customer information included in the direct debit application information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validation of the debit application information includes checking whether the account information included in the debit application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

If the validity of the direct debit application information is not authenticated (735), the server generates a web page (or a history) containing a predetermined information registration error information and transmits it to the terminal (740), the direct debit Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the direct debit application information is authenticated (735), the server performs the information registration procedure corresponding to the direct debit application information, by linking the customer information, the direct debit target Jiro information to a predetermined storage Stored in medium 330 (745).

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 330 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (750), thereby completing the procedure of registering the debit application information transmitted from the terminal.

8 is a diagram illustrating a face-to-face information registration system for Jiro automatic transfer application according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates that a customer who pays one or more giro through the financial terminal shown in FIG. 1 checks the direct debitable giro through the financial terminal. After the application, after the direct debit is registered to the customer through the system shown in Figure 3, the customer receives the customer information for the automatic debit application to the information registration system through the predetermined information registration interface, When providing direct debit application information including at least one of direct debit target information and debit application history information, the customer information contained in the debit application information provided by the information registration system, direct debit target information, automatic As a system configuration for storing the transfer request history information in a predetermined storage medium (830) by linking However, those skilled in the art to which the present invention pertains may refer to various modifications of the configuration of the information registration system for the automatic debit application by referring to or modifying the drawing of FIG. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, a configuration corresponding to at least one or more means or functional configuration for storing the debit application information provided from the customer on the storage medium 830 via a predetermined information registration interface on the information registration system shown in FIG. The element is referred to as "information registration server 800" for convenience.

Referring to this figure 8 according to the embodiment of the present invention, the information registration system for the automatic branch transfer request, the information registration terminal including a teller terminal provided in at least one branch (or branch or head office) of the financial institution The information registration terminal is connected to the information registration server 800 provided on the information registration system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, a customer who selects (inputs) a direct debit application through the financial terminal shown in FIG. 1 and registers the direct debit payment is the financial institution branch (or At a branch (or branch) and at a bank (or through a clerk) at the financial institution branch (or branch) at least a predetermined application (eg, at least for branch transfer) A document with a form for filling in one or more information items) and submitting the completed application to a teller, the teller enters (or selects) the information entered in the request through a given teller terminal. The window terminal transmits the input (or selected) information to the information registration server 800 provided on the information registration system through the financial network. It is desirable to transmit.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch (or branch or main office) of the financial institution, the information registration server 800 connected to the teller terminal is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal and the information registration server 800 is a branch network connecting the communication channel between the teller terminal and the information registration server 800. It is preferable to comprise a.

In the information registration system as described above, the application prepared by the customer, the teller terminal used by the teller and the financial network connecting the teller terminal and the information registration server 800, the customer applies for automatic transfer to the branch. It performs the function of the information registration interface for registering the direct debit application information for.

The storage medium 830 provided on the information registration system according to the present invention links the customer information included in the direct debit application information provided from the information registration terminal, the debit target giro information, and the debit application history information. Characterized in that the processing is stored in a predetermined storage medium 830, the automatic transfer application information including at least one of the customer information, automatic transfer target geostation information, automatic transfer application history information stored in the storage medium 830 Is used for the direct debit application.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to the one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

The direct debit application information information comprises at least one statement (or payment receipt) including a predetermined debit application history output from the financial terminal to the customer who applied for automatic debit through the financial terminal; It is preferable.

According to one embodiment of the invention, the storage medium 830 is preferably provided in the DBMS on the financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 830 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 800 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 800 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 805 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 8, the information registration server 800 is connected to the interface unit 805 after a predetermined information registration terminal connects the communication channel with the information registration server 800 through the interface unit 805. An interface providing unit 810 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined debit application information from the information registration terminal and providing the information registration terminal to the information registration terminal; In addition to the interface unit 805, the information receiving unit 815 for receiving a predetermined direct debit application information input (or selected) transmitted from the information registration terminal through the user interface, and the received debit application information Validation unit 820 for verifying the validity, and the customer information contained in the valid debit application information, automatic debit target Jiro information, automatic debit By processing the application history information in a predetermined storage medium 830, the information processing unit 825 for processing the registration information of the customer's direct debit application through the system shown in FIG. do.

The interface providing unit 810 connects a communication channel with the information registration server 800 through the interface unit 805 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) direct debit application information and transmit it to the information registration server 800 through the financial network, or extract it from a predetermined database (not shown). In operation 805, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the direct debit application information to the information registration terminal and transmitting the information to the information registration server 800 through the financial network. When the information registration program is provided, the interface providing unit 810 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal inputs (or selects) the direct debit application information including at least one of the customer information, the debit target geography information, and the debit application history information based on the user interface, and the input (or Select the direct debit application information to the information registration server 800 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 810 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 805.

The information receiving unit 815 inputs (or selects) the direct debit application information including at least one of customer information, direct debit target information, and direct debit application history information through the user interface in the information registration terminal. When transmitting through a network, it is characterized in that for receiving the direct debit application information in conjunction with the interface unit 805, and provides the received debit application information to the validity verification unit 820.

The validity confirming unit 820 is characterized in that whether the debit application information received from the information registration terminal satisfies the validity for Jiro automatic debit application.

According to an embodiment of the present invention, the validity check on the debit application information is whether at least one ledger information matching the debit application information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the direct debit application information includes checking whether the customer information included in the direct debit application information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validation of the debit application information includes checking whether the account information included in the debit application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the verification of the validity of the debit application information is preferably made to include checking whether the debit request information of the debit application customer is registered in the storage medium (830) (or ledger).

When the validity of the direct debit application information is confirmed, the information processing unit 825 links and processes the customer information included in the debit application information, the debit target giro information, and the debit application history information in the storage medium 830. And store the customer direct debit application information registered through the system shown in FIG. 3, wherein the storage medium 830 is provided in the information registration server 800 or the information. When provided on the network associated with the registration server 800, the information storage unit the customer information contained in the received direct debit application information, direct debit target geospatial information, automatic debit application history information to the processing process linked to the storage medium It is preferable to store the information in the registration process at 830, and when the storage medium 830 is provided at the DBMS provided on the financial system, the information storage unit may store the number. It is preferable to provide customer information, debit target geography information, and debit application history information included in the debit application information to the information system through the external system on the financial system, and store the registration information in a DBMS provided on the financial system. Do.

FIG. 9 is a diagram showing the configuration of automatic debit application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for applying for direct debit in accordance with one embodiment of the present invention.

In more detail, in FIG. 9, when the storage medium 830 illustrated in FIG. 8 is a ledger D / B provided in a DBMS on a financial system, the customer information and automatic transfer are added to the ledger information provided in the ledger D / B. FIG. 9 illustrates an information structure for an implementation method in which direct debit application information including target geographic information and debit application history information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. Although various information construction methods for storing the direct debit application information in the ledger D / B may be inferred by reference or modification, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. 9. It is not limited to only.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers, in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of individual customers, corporate customers, and minors.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to Figure 9, the debit application information provided through the information registration system shown in Figure 8 is stored in the form of additional information added to the account ledger, the debit application information is customer information, automatic Characterized in that it comprises at least one or more information on the subject of transfer, debit application history information.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

The direct debit application information information comprises at least one statement (or payment receipt) including a predetermined debit application history output from the financial terminal to the customer who applied for automatic debit through the financial terminal; It is preferable.

According to another exemplary embodiment of the present invention, the direct debit application information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, the customer ledger). It may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

FIG. 10 is a diagram illustrating the configuration of automatic debit application information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for applying for direct debit according to another embodiment of the present invention.

More specifically, FIG. 10 illustrates an information structure of an exemplary embodiment in which the storage medium 830 illustrated in FIG. 8 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for referencing or modifying the drawing 10 and storing the direct debit application information in a predetermined database in association with the ledger D / B and storing the information. Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when the direct debit application information is not easily stored in the ledger information of the ledger D / B on the DBMS provided in the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the nature of the financial system), the debit application information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 10, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 10, the database is characterized in that the customer information contained in the direct debit application information, direct debit target geospatial information, automatic debit application history information to be stored in a cooperative process, the debit application information is In order to be processed in conjunction with the ledger D / B, it is preferable that the direct debit application information further comprises a CIF number corresponding to the ledger information.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

The direct debit application information information comprises at least one statement (or payment receipt) including a predetermined debit application history output from the financial terminal to the customer who applied for automatic debit through the financial terminal; It is preferable.

FIG. 11 is a diagram illustrating the configuration of automatic debit application information stored in a DBMS provided in a banking server in a face-to-face manner for applying for direct debit according to another embodiment of the present invention.

More specifically, FIG. 11 shows a DBMS in which the storage medium 830 shown in FIG. 8 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention pertains, the automatic transfer is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 11 It is possible to infer a method of constructing information on the application information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, a predetermined DBMS provided in the banking server may store and store the customer information, the direct debit target information, and the automatic debit application history information included in the debit application information.

Preferably, the customer information includes at least one or more of a customer's name, resident registration number, password, address, contact number, account number, etc., applying for direct debit payment through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

The direct debit application information information comprises at least one statement (or payment receipt) including a predetermined debit application history output from the financial terminal to the customer who applied for automatic debit through the financial terminal; It is preferable.

12 is a diagram illustrating a process of registering the direct debit application information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 12 shows a case where the information registration server 800 on the information registration system shown in FIG. 8 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal is connected to the information registration server 800 to connect the communication channel for information registration according to the present invention, the customer information, automatic transfer to the information registration server 800 through the communication channel When the direct debit application information including the target giro information and the debit application history information is transmitted, the customer information included in the received debit application information, the debit target giro information, automatic debit from the information registration server 800 The present invention relates to an implementation method for registering and processing the application information, which is stored in a predetermined storage medium 830 and linked to the application history information. Those skilled in the art will be able to infer various implementation methods for registering the direct debit application information to the information registration server 800 in the window terminal by referring to or modifying the drawing 12, The present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In the following figure 12, the window terminal shown in FIG. 8 is referred to as "terminal" for convenience, and the information registration server 800 shown in FIG. 8 is referred to as "server" for convenience, and the information registration in the window terminal. The customer information transmitted to the server 800, the direct debit target geographic information, the debit application history information is referred to as "direct debit application information" for convenience.

Referring to FIG. 12, a window terminal shown in FIG. 8 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the debit application information, and requests for direct debit application to the branch. When requesting registration of the direct debit application information (1200), the server generates (or extracts) a predetermined information registration interface for registering the direct debit application information (1205), and generates (or via the communication channel) The extracted information registration interface is transmitted to the terminal and output (1210).

According to an embodiment of the present invention, the information registration interface is a user interface for inputting (or selecting) direct debit application information including at least one of the customer information, direct debit target point information, and direct debit application history information in the terminal. It is preferable to comprise a.

Thereafter, the terminal inputs (or selects) debit application information including at least one or more customer information, debit target destination information, and debit application history information through the information registration interface (1215).

If the terminal receives (or selects) the debit application information including the customer information, the debit target geography information, and the debit application history information through the information registration interface (1220), the terminal establishes the financial network. The debit application information including the input (or selected) customer information, the debit target branch information, and the debit application history information is transmitted to the server (1225).

Thereafter, the server receives and reads the customer information, the debit target branch information, and the debit application history information through the financial network (1230) to confirm the validity of the debit application information.

According to an embodiment of the present invention, the validity check on the debit application information is whether at least one ledger information matching the debit application information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the direct debit application information includes checking whether the customer information included in the direct debit application information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validation of the debit application information includes checking whether the account information included in the debit application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the verification of the validity of the debit application information is preferably made to include checking whether the debit request information of the debit application customer is registered in the storage medium (830) (or ledger).

If the validity of the direct debit application information is not authenticated (1235), the server generates predetermined information registration error information and transmits it to the terminal (1240), and performs an information registration procedure corresponding to the debit application information. Do not perform.

On the other hand, if the validity of the direct debit application information is authenticated (1235), the server performs the information registration procedure corresponding to the debit application information, so that the customer information, debit target geography information, the debit application history information The linkage process is stored in the predetermined storage medium 830 (1245).

According to one embodiment of the invention, the storage medium 830 is preferably provided in the DBMS on the financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 830 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 830 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1250), thereby completing the procedure of registering the debit application information transmitted from the terminal.

13 is a diagram showing the functional configuration of the financial terminal 1300 for automatic debit application according to another embodiment of the present invention.

More specifically, FIG. 13 shows an unmanned system such as a utility bill or cash dispenser (CD) or an automatic teller machine (ATM) provided at a predetermined financial institution (eg, a commercial bank branch) or a public place. In the financial terminal 1300, in the process of paying one or more giro fees by the customer, among the one or more giro fees to be paid by the customer, the giro charges that can be directly debited are checked, and the automatic repayment of the giro charges possible for the above-mentioned debit is possible. As shown in FIG. 13, a preferred functional configuration for processing a transfer request through a customer electronic signature is known to those of ordinary skill in the art to which the present invention belongs. It would be possible to infer various implementation methods for the financial terminal (1300) that handles the application of direct debit for giro. The present invention includes all implementation methods inferred from the above, and is not limited by the implementation method shown in FIG.

Referring to FIG. 13, the financial terminal 1300 recognizes an MS card or an IC card to be used as a payment processing means for one or more giro fees, and acquires predetermined information, and one or more giro books. A book processing unit 1340 for recognizing and reading a book and obtaining predetermined storing information or a book image printed on the book, a key input unit 1320 for receiving predetermined payment information at each stage of the payment of the branch bill, and the book Receiving information about one or more branches to be paid by the customer acquired from at least one form through the processing unit 1340, payment means information obtained from a predetermined payment means through the card reader unit 1310 and at least one or more The communication unit 1335 for exchanging payment amount information including the payment amount included in the stored information with a predetermined server (or device), and the financial terminal 1300. A screen output unit 1315 for outputting a processing screen to each branch payment step provided; a key input unit 1320 for receiving predetermined information according to each branch payment step; and one or more branches storage information, storage history, and storage. A print output unit 1345 for printing and outputting the result and the direct debit application information for one or more branches requested by the customer; an electronic signature input unit 1325 for receiving the customer electronic signature; and the financial terminal 1300. A memory unit 1355 for storing the giro storage processing information and the giro storage history information for the giro storage processing, the one or more automatic transfer possible giro information for the processing of the automatic transfer of the giro, and the power supply to the financial terminal 1300. It includes a power supply unit 1330 for supplying at least one terminal function unit and a control unit 1305 for controlling each function component provided in the financial terminal 1300.

The control unit 1305 controls the overall operation of the financial terminal 1300 in the functional configuration, and manages the flow of information or data between each component, according to the present invention, when one or more customers are processed to store giro, Of the one or more giro to be processed, by identifying the giro capable of automatic transfer, to control at least one or more components provided in the financial terminal 1300 to provide an automatic transfer application service for the identified giro In addition, at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) and the execution memory (for example, a register) and a bus (BUS) for inputting and outputting predetermined data and And at least one electronic circuit (or integrated circuit), and perform software-specific functions. To this end, it comprises a predetermined program routine (Routine) or program data that is loaded from the predetermined recording medium provided in the financial terminal 1300 to the execution memory and the operation processing by the processor .

In particular, the controller 1305 includes a predetermined operating system or terminal control program routine for managing the financial terminal 1300 after the financial terminal 1300 is booted by software.

In the following Figure 13, when the customer is one or more giro storage processing according to the present invention, among the one or more giro that the customer receives a process, the automatic transfer can be confirmed by checking the giro, the automatic transfer application service for the identified giro At least one program component provided in the financial terminal 1300 is illustrated in the control unit 1305 for convenience.

The card reader unit 1310 provides an interface between the card and the financial terminal 1300 to read at least one or more information or data included in the card provided by the customer as a financial transaction settlement means for storing one or more giro. MS reader interface for interfacing the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the financial terminal 1300, or a contact IC (Integrated Circuit) card based on the ISO / IEC 7816 standard The contact IC reader unit for interfacing with the financial terminal 1300 or the contactless IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 1300. Alternatively, the contactless IC reader may correspond to the IC card reader provided in the financial terminal 1300.

The MS reader unit is a card reader unit 1310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When an MS card recorded with information) moves in close contact with the magnetic head (or the head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. It is characterized in that the predetermined information or data from the at least one track (Track) included in the MS of the MS card to interface with the financial terminal 1300.

The contact IC reader unit is a card reader unit 1310 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to the terminal 1300.

The non-contact IC reader unit is a card reader unit 1310 based on ISO / IEC 14443. At least one antenna which makes an electrical contact with a non-contact IC card by using capacitive coupling or inductive coupling, etc. It comprises a, and supplies power to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU financial terminal (1300) It is characterized in that the interface with).

According to the exemplary embodiment of the present invention, the card reader unit 1310 recognizes a payment means including at least one of a cash card, a debit card, a bankbook, a credit card, a check card, an electronic money, and the like to obtain predetermined payment means information. It is preferable to read and provide the read payment means information to the controller 1305.

For example, the payment means information may include at least one of a cash card number, debit card number, account number, credit card number, check card number, electronic money information, etc. corresponding to each payment method.

The book processing unit 1340 recognizes and reads an OCR (Optical Character Recognition) book, a fixed OCR book, a MICR (Magnetic Ink Character Recognition) book, or a book including at least one of a book or a standard OCR book. It is characterized by obtaining the predetermined storing information printed in the form.

According to an embodiment of the present invention, the journal processing unit 1340 further includes a function (for example, an optical scan function or a digital camera photographing function) for digitizing the information and the shape printed on the journal to generate a predetermined journal image. It is preferable to include.

In addition, the book processing unit 1340 may generate a book image generation function for recognizing and reading predetermined storing information written in a book (for example, A book) by the payer, and pattern recognition of the book image. Preferably, the method further comprises a handwritten character / number recognition system for recognizing the information.

According to the present invention, the receipt information obtained by recognizing and reading a predetermined journal through the journal processing unit 1340 is characterized in that it comprises at least one or more billing agency number, payer number and payment amount information. The billing agency number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number printed on the book. Preferably, the payment amount information includes at least one of in-delivery amount information or post-delivery amount information printed on the table.

The key input unit 1320 includes a predetermined key input device including at least one key button including at least one number key, a character key, or a function key. Detects information (or a signal) inputted from the predetermined information, and selects predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the financial terminal 1300 controlled by the controller 1305. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1305. The controller 1305 Acquires predetermined key data corresponding to the key event in the current input mode or the operation mode of the financial terminal 1300, or executes a predetermined function defined by matching with the key event. And to obtain the instruction which is characterized. The key input unit 1320 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the financial terminal 1300.

According to an embodiment of the present invention, a key input device interlocking with the key input unit 1320 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (eg, an English character). Key or Korean character key) and a function key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one numeric key, a character key and a function key It is preferable to include at least one touch screen device.

According to the exemplary embodiment of the present invention, the key input unit 1320 checks the one of the one or more giro fees to be paid by the customer in the process of paying one or more giro charges according to the present invention. Preferably, at least one or more pieces of information corresponding to each step of processing the debit application for the identified debitable giro fee are received from a predetermined key input device.

The screen output unit 1315 is predefined or real-time to be output by the control unit 1305 to a predetermined screen output means including a liquid crystal display (LCD) or a cathode ray tube (CRT) at the financial terminal 1300. Characterized in that it outputs at least one or more information or data defined, the key data, the financial terminal (1) input through the key input unit 1320 is pre-defined information or data to be output to the screen from the financial terminal 1300 ( It includes information stored or generated by the components included in the 1300, information transmitted and received through the communication unit 1335, data corresponding to a predetermined operation result performed by the financial terminal 1300.

According to the exemplary embodiment of the present invention, the screen output unit 1315 outputs the processing screen according to the storing step of the financial terminal 1300, and the customer in the process of paying one or more giro fees. Among the one or more giro charges to be paid, it is preferable to check the giro charges that can be directly debited, and to output a screen for processing the debit application for the identified auto debitable giro charges.

For example, after the giro storage process, if there is a direct debitable Jiro, a screen for outputting information to the direct debitable Jiro, or a screen for applying for direct debit, or customer information of customers who apply for direct debit (for example, social security number, account number, password) It is preferable to print a screen for inputting a screen or a screen for inputting a direct debit application (for example, a depositor's name, an account number, an institution, a type of Giro, a Giro number, a payer's number, an initial transfer date, etc.).

The electronic signature input unit 1325 includes a touch screen device (or tablet) having at least one numeric key and a function key or at least one numeric key, a character key and a function key in conjunction with the screen output means. It is characterized by receiving the customer's electronic signature.

The communication unit 1335 may provide communication means for performing a transaction function (for example, a transaction function interoperating with the external terminal of the financial terminal 1300 and each financial system) included in the financial terminal 1300. And a network communication unit 1335 or a predetermined cable communication port (eg, RS) that provides transactional communication with a server provided on the financial system through a financial network (for example, a party network or a CD / ATM network) in hardware. -232c, cable communication unit 1335 or infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), wireless LAN () to provide transactional communication with an external communication device through a USB (Universal Serial Bus (USB), etc.) Including a local area communication unit 1335 for providing transactional communication with a local area communication device through at least one local area wireless communication including a wireless LAN, Wi-Fi, and ultra wide band system (UWB). Becomes luer, it comprises a communication protocol and a communication application for providing a communication transaction in software.

The network communication unit 1335 may be a predetermined wired network including at least one or more financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network, etc.), and / or a mobile communication network based on CDMA, or a DataTAC scheme of Motorola of the United States. Or connecting a communication channel with a server (or terminal) on the wired or wireless network through a predetermined wireless network including at least one of Erricson's Mobitex-based wireless data communication network or an IEEE 802.16 based portable Internet network. And a modem or a network interface card (NIC) for connecting the financial terminal 1300 to a predetermined wired / wireless network in hardware. The financial terminal 1300 may be software-controlled. Communication protocols and / or drivers for connecting to the network.

The cable communication unit 1335 connects a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)). It comprises a predetermined cable communication port to be connected, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit 1335 includes infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth), wireless LAN (Wireless LAN), Wi-Fi (Ui-Fi), and ultra wide band system (UWB). It is characterized by connecting a predetermined terminal (or device) and a short-range wireless communication session through at least one short-range wireless communication means, the hardware includes the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB And a predetermined short range wireless communication module for short range wireless communication, and includes a communication protocol and / or a driver for the short range wireless communication in software.

According to an embodiment of the present invention, the communication unit 1335 may include at least one or more storing information obtained from at least one form through the form processing unit 1340 and a predetermined payment means through the card reader unit 1310. It is preferable to exchange the payment amount information, which is the sum of the acquired payment means information and the payment amount included in the at least one storing information, with a predetermined server (or device).

The print output unit 1345 reads predetermined storing information by the financial terminal 1300 by recognizing and reading a predetermined function (for example, at least one form, and based on the storing information through a predetermined payment means). And a predetermined information or data (for example, a billing result) generated as a result of the process of performing a function of automatically storing billings, etc.), or the result of the billing. A printing protocol and a driver for printing the print information or data in accordance with a form through a predetermined printing device.

According to the embodiment of the present invention, the print output unit 1345 preferably prints out the accommodation details and the storage results including at least one or more of the accommodation information, predetermined payment means information, and payment amount information.

Further, according to the embodiment of the present invention, the print output unit 1345 checks the one of the one or more giro charges that the customer wants to pay in the process of the customer paying one or more giro charges, the automatic giro charges, When applying for automatic debit among the confirmed direct debit possible giro, it is preferable that the customer prints out the details and the results of the application for direct debit.

The memory unit 1355 is a storage medium that stores at least one or more information or data required for the control unit 1305 to perform a predetermined control function. (Flash Memory) and at least one storage means including a hard disk drive (HDD), and a predetermined program routine and program required for the control unit 1305 to perform a predetermined control function in software. Data (e.g., data input or output for a program routine to perform a predetermined function).

According to the exemplary embodiment of the present invention, the memory unit 1355 may be automatically debited among the one or more giro charges the customer intends to pay while the financial terminal 1300 pays the one or more giro charges according to the present invention. It is preferable to store the at least one financial transaction processing information used to process the automatic debit application for the identified direct debitable giro charges by checking the possible giro charges, or to process the automatic debit application for giro charges and store the giro. After the processing, it is preferable to store the Jiro automatic transfer application history information and Jiro storage processing history information.

According to the exemplary embodiment of the present invention, the memory unit 1355 preferably stores one or more pieces of giro information capable of automatic transfer.

The terminal function unit is a component provided in the financial terminal 1300 in addition to the components shown in FIG. 13 or a component provided in the financial terminal 1300 for a predetermined purpose or role, and typically supports financial transaction support. It includes a variety of additional function configuration according to the intention of those skilled in the art such as a secure application module (SAM) or a print output unit 1345 for printing and printing a receipt or a biometric device for biometrics. Those skilled in the art to which the present invention pertains will easily understand the respective terminal functional units provided according to the characteristics of the financial terminal 1300, and thus a detailed description thereof will be omitted.

Referring to FIG. 13, the financial terminal 1300 checks whether or not a branch that can be automatically debited is included in one or more branches that are paid by the branch paying customer. If one or more of the automatically debitable giro among the gross, the automatic debitable giro information is displayed on the screen, the automatic debit application for receiving the automatic debit from the customer among the screen output automatic debitable giro information 1365 ), The customer authentication unit 1370 for requesting and inputting authentication information for the direct debit application customer, and the electronic signature input by the debit direct debit application customer to process the connection with the customer information or direct debit application point information. After the authentication of the electronic signature processing unit 1375 and the customer is completed, the customer information and the giro information that the customer applied for direct debit are four. And an information transmitting unit 1380 to transmit to the server on the workpiece characterized in that formed.

The branch confirming unit 1360 checks whether the branch which can be automatically debited is included with respect to one or more branches which are paid by the branch paying customer.

According to the method of the present invention, the branch confirmation unit 1360 is a billing institution including the branch information recognized by the ticket processing unit 1340 (for example, the branch number or collection agency number or the publication number issued to the ticket). Number, etc.) and the branch information that can be automatically debited in the memory unit 1355, and checks whether the branch information paid by the customer includes the branch information which can be applied for automatic debit.

The debit application unit 1365, if one or more of the payments paid by the customer, including one or more automatically debitable giro, the screen output the debitable giro information, the screen output the debitable giro Characterized in that the request for direct debit from the customer, the debit application history is provided to the information transmission unit 1380.

The customer authentication unit 1370 is characterized in that the request to receive the authentication information for the direct debit application customer input, and provides the information to the information transmission unit 1380 the received debit application request details.

The electronic signature processing unit 1375 is characterized in that the electronic signature input by the automatic debit application customers in conjunction with the customer information or direct debit application geo-information processing, the electronic signature is linked to the customer information or direct debit application site Information is provided to the information transmitter 1380.

After the authentication of the customer is completed, the information transmitting unit 1380 transmits the customer information including (or associated with) the customer electronic signature and the giro information requested by the customer to direct transfer to a server on a network. do.

According to the method of the present invention, the information transmission unit 1380 is the branch of the receiving bank or the receiving bank equipped with the financial terminal 1300 through the communication unit 1335 to the application information of the direct debit application of the customer; Characterized in that the transmission to the server provided in the head office, the banking system of the storage bank, or on a network interworking with the banking system of the storage bank, wherein the direct debit application information is sent to the customer ledger corresponding to the customer information. It is preferable to register temporarily.

14 is a diagram illustrating a method of operating the financial terminal 1300 according to another embodiment of the present invention.

In detail, FIG. 14 illustrates a process of recognizing and reading at least one branch of the financial terminal 1300 through the book processing unit 1340 of the financial terminal 1300, and at least one storing process in the financial terminal 1300 as shown in FIG. If there is a branch in which the direct debit is possible in the branch, the automatic debitable branch information is output, and the customer's request for automatic debit to the branch is processed, and the branch automatic debit application is processed together with the electronic signature information of the customer. As an example of an operation screen of the financial terminal 1300, those of ordinary skill in the art to which the present invention pertains refer to or modify this drawing 14 to display the operation screen of each financial terminal 1300 according to the intention of those skilled in the art. It will be easy to infer, and the present invention is not limited thereby.

In addition, one of ordinary skill in the art to which the present invention pertains can easily infer each piece of information obtained in each operation screen through the operation screen illustrated in the financial terminal 1300 illustrated in FIG. will be.

In the meantime, the operation screens of (a) to (d) refer to the operation screen shown in FIG. 2, and the illustration is omitted in FIG.

2A is an initial screen of the financial terminal 1300 having the storage function of the branch (or utility bill), and the customer may enter a document in which predetermined storage information is printed according to the branch form. Injected into the bill insertion slot provided in the), and the bill processing unit 1340 provided in the financial terminal 1300 recognizes and reads the inserted bill through the functional configuration as shown in Figure 13 to obtain predetermined storage information, As shown in (b) of FIG. 2, the obtained storing information is output to the screen.

The process of inputting and storing information of the book may be repeatedly performed for a plurality of documents. If the process of acquiring predetermined storing information from at least one book is completed, the financial terminal 1300 may be illustrated in the drawing. To calculate a predetermined payment amount (e.g., the total amount of the sum of the amount of payment included in the at least one item of storage information) by summing the amount of payment included in the at least one item of storage information obtained as shown in 2 (c); Requests payment processing for the payment amount through a predetermined payment means.

The customer performs payment processing for the payment amount (total payment amount) through a payment means including at least one of a cash card, a debit card, a bank account, a credit card, a check card, and an electronic money.

After the payment processing for the payment amount (total payment amount) corresponding to the storage information obtained from the at least one form as described above, the financial terminal 1300, the screen as shown in (d) of FIG. Is output.

Thereafter, the financial terminal 1300 checks whether the direct debit (or utility bill) is included in the obtained one or more forms, and if the direct debit (or utility bill) is included, the drawing of FIG. As shown in the figure, a screen for guiding Jiro / utility bills is displayed.

In addition, the financial terminal 1300 is a screen for applying the automatic payment of giro / utility bill for inputting customer information (for example, resident registration number, password, account number, electronic signature information, etc.) for the application for automatic transfer of bills / bills ( When the output is completed as shown in FIG. 6 and the input of the customer information including the electronic signature information is completed, the screen for completing the application for automatic transfer of bills / bills as shown in (g) of FIG. 14 is output.

Subsequently, the financial terminal 1300 transmits the application information to the bank / utility automatic debit requested by the customer as shown in FIG. Register with the General Director.

15 is a diagram showing an information registration system for Jiro automatic transfer application according to another embodiment of the present invention.

In more detail, in Figure 15, a customer who pays one or more branches through the financial terminal shown in Figure 13 checks the direct debitable index through the financial terminal, and confirms the direct debit for the identified direct debitable index. Upon request, the financial terminal automatically includes at least one of customer information, automatic debit target geographic information, automatic debit application history information, and electronic signature information for the automatic debit application to the information registration system through a predetermined information registration interface. When the transfer application information is provided, the predetermined information is stored in the information registration system by linking and processing the customer information included in the provided automatic debit application information, automatic debit target geography information, automatic debit application history information, electronic signature information (1530). ) Is a system configuration for registering a direct debit service to the customer's site. Those skilled in the art will be able to infer various implementation methods for the configuration of the information registration system for application for direct debit by referring to or modifying this figure 15, but the present invention is inferred from all It includes a method of implementation and is not limited to the method of implementation shown in FIG.

Hereinafter, at least one means or function configuration for storing the direct debit application information provided from the financial terminal on the storage medium 1530 via a predetermined information registration interface on the information registration system shown in FIG. The component is referred to as "information registration server 1500" for convenience.

Referring to FIG. 15 according to an embodiment of the present invention, the information registration system for provisional registration of giro automatic transfer application information includes a financial terminal including at least one bill acceptor and an automated device as an information registration terminal. The information registration terminal is connected to an information registration server 1500 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the information registration terminal includes an automatic teller machine (ATM) and a cash dispenser (CD) connected to a predetermined financial network (for example, a financial common network). It may include a financial automated device (not shown) or a bill acceptor, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device (not shown) or the utility bill register and the information registration. The financial network connecting the server 1500 performs a function of an information registration interface for the customer to register the direct debit application information for provisional registration of the direct debit application information.

In addition, the information registration terminal outputs at least one or more user interfaces provided by the information registration server 1500, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 1500. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 1500, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the information registration terminal corresponding to at least one or more financial terminals, so a detailed description thereof will be omitted for convenience.

The storage medium 1530 provided on the information registration system according to the present invention includes the customer information included in the direct debit application information provided from the information registration terminal, automatic debit target Jiro information, automatic debit history information, and electronic signature. And storing the information in a predetermined storage medium 1530 by linking the information, and storing the customer information, direct debit target information, automatic transfer history information, and electronic signature information stored in the storage medium 1530. The debit application information included above is used to register the Jiro direct debit application information.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

The direct debit application information information comprises at least one statement (or payment receipt) including a predetermined debit application history output from the financial terminal to the customer who applied for automatic debit through the financial terminal; It is preferable.

The electronic signature information is authentication information indicating that the customer has consented to the automatic transfer to the branch through the financial terminal. The electronic signature information stores a signature input by the customer through an electronic screen.

According to one embodiment of the invention, the storage medium 1530 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1530 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

The information registration server 1500 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 1500 is characterized in that it comprises an interface unit 1505 for connecting and managing a predetermined communication channel with the information registration terminal via the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1505 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1505 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1500, the interface unit 1505 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1505 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

According to an embodiment of the present invention, when the information registration terminal is a utility bill acceptor or a financial automation device connected to a predetermined financial network, the interface unit 1505 is based on the protocol stack defined in the financial network. Or connecting a predetermined communication channel with the automated teller machine, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program included in the utility bill acceptor or the automated teller machine. It is desirable to.

Referring to FIG. 15, the information registration server 1500 connects a communication channel with the information registration server 1500 through the interface unit 1505 and then connects the communication unit 1505 with the interface unit 1505. An interface providing unit 1510 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined debit application information from the information registration terminal in association with the information registration terminal; An information receiving unit 1515 for receiving predetermined debit application information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 1505, and the received debit application information. The customer information, the debit target giro information, the debit history information, and the electronic signature information are processed in association with each other to the predetermined storage medium 1530 (or ledger). The information includes a storage unit 1525, which is characterized in that formed.

The interface providing unit 1510 connects a communication channel with the information registration server 1500 through the interface unit 1505, and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) direct debit application information and transmit it to the information registration server 1500 via the network means (or financial network), or extract it from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 1505 may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) the direct debit application information including at least one of the customer information, the debit target branch information, the debit details information, and the electronic signature information based on the user interface. The debit application information input (or selected) is transmitted to the information registration server 1500 through the network means (or the financial network).

According to an embodiment of the present invention, when the information registration terminal is a utility bill acceptor or a financial automation device connected to a predetermined financial network, the interface providing unit 1510 may be associated with a financial transaction provided in the utility bill acceptor or the automated teller machine. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the utility bill acceptor or the automated teller machine through the interface unit 1505.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the direct debit application information to the information registration terminal and transmitting the information to the information registration server 1500 via the network means. When the information registration program is provided, the interface providing unit 1510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 1515 inputs (or selects) direct debit application information including at least one of customer information, direct debit target information, direct debit details, and electronic signature information through the user interface in the information registration terminal. When transmitting through the network means, the debit request information is received in conjunction with the interface unit 1505, and the received debit request information is provided to the validity check unit 1520.

The validity verification unit 1520 is characterized in that whether the debit application information received from the information registration terminal satisfies the validity for registering the direct debit application information.

According to an embodiment of the present invention, the validity of the direct debit application information is determined whether at least one ledger information matching the direct debit application information is registered in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

For example, checking the validity of the direct debit application information includes checking whether the customer information included in the direct debit application information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validity check on the direct debit application information includes checking whether the account information included in the direct debit application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make it.

When the validity of the direct debit application information is confirmed, the information storage unit 1525 is connected to the customer information contained in the debit application information, direct debit target Jiro information, automatic transfer history information, electronic signature information by the process And to the storage medium 1530 (or ledger), wherein the storage medium 1530 is provided in the information registration server 1500 or on a network associated with the information registration server 1500. In this case, the information storage unit 1525 is the storage medium 1530 (or ledger) by processing the customer information contained in the received direct debit application information, direct debit target geostation information, automatic debit details information, electronic signature information In the case where the storage medium 1530 is provided in the DBMS provided on the financial system, the information storage unit 1525 includes customer information included in the received direct debit application information. Jiro copper transfer destination information, debit history information, the electronic signature information through an FEP system on the financial system provided to step information is preferably registered in the DBMS provided on the financial system.

16 is a diagram showing the configuration of the application for automatic transfer payment stored in the ledger D / B provided in the DBMS on the financial system for Jiro automatic transfer application according to an embodiment of the present invention.

In more detail, in FIG. 16, when the storage medium 1530 illustrated in FIG. 8 is a ledger D / B provided in a DBMS on a financial system, the customer information and automatic transfer are added to the ledger information provided in the ledger D / B. As an information structure for an implementation method in which direct debit application information including target geographic information, debit application history information, and electronic signature information is stored, the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 9 can be inferred a variety of information configuration method for storing the debit application information in the ledger D / B, the present invention includes all the inferred implementation method, It is not limited only to the implementation method shown.

Referring to FIG. 16 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and at least one of an account number, a waiver (month), a period (days), an extension, a maturity date, and a target amount corresponding to the account ledger. Periodic reception information that includes, or trust reception information that includes at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 16, the direct debit application information provided through the information registration system shown in FIG. 8 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one or more information, such as target transfer information, automatic transfer application history information, electronic signature information.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

The direct debit application information information comprises at least one statement (or payment receipt) including a predetermined debit application history output from the financial terminal to the customer who applied for automatic debit through the financial terminal; It is preferable.

The electronic signature information is authentication information indicating that the customer has consented to the automatic transfer to the branch through the financial terminal. The electronic signature information stores a signature input by the customer through an electronic screen.

According to another exemplary embodiment of the present invention, the direct debit application information is stored in the form of information included in the account ledger (not shown) or added to another ledger other than the account ledger (for example, the customer ledger). It may be stored in the form of information, or in the form of information contained in other ledgers (for example, customer ledgers) other than the account ledger, whereby the present invention is not limited.

FIG. 17 is a diagram showing the configuration of automatic debit application information stored in a database linked to the ledger D / B provided in a DBMS on a financial system for a direct debit application according to another embodiment of the present invention.

More specifically, FIG. 17 illustrates an information structure of an exemplary embodiment in which the storage medium 1530 shown in FIG. 15 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for referring to or modifying this figure 17 and storing the direct debit application information in a predetermined database in association with the ledger D / B and stored. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 17, when it is not easy to store the direct debit application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in accordance with the policy of a financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the nature of the financial system), the debit application information is stored in a predetermined database instead of the ledger D / B, the database and the ledger D The implementation method of linking and storing / B is shown.

In addition, the database shown in FIG. 17 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 17, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 17, the database is characterized in that the customer information contained in the direct debit application information, direct debit target geostation information, automatic debit application history information, electronic signature information stored in association with each other, the automatic debit application Preferably, the information further includes a CIF number corresponding to the ledger information in the direct debit application information in order to be processed in association with the ledger D / B.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

The direct debit application information information comprises at least one statement (or payment receipt) including a predetermined debit application history output from the financial terminal to the customer who applied for automatic debit through the financial terminal; It is preferable.

The electronic signature information is authentication information indicating that the customer has consented to the automatic transfer to the branch through the financial terminal. The electronic signature information stores a signature input by the customer through an electronic screen.

18 is a diagram showing the configuration of the automatic transfer application information stored in the DBMS provided in the banking server for Jiro automatic transfer application according to another embodiment of the present invention.

More specifically, FIG. 18 shows a DBMS in which a storage medium 1530 shown in FIG. 15 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention pertains, the automatic transfer is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 18 It will be possible to infer a method of constructing information on the application information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 18, a predetermined DBMS provided in the banking server may store and store the customer information, the direct debit target information, and the automatic debit application history information included in the debit application information.

Preferably, the customer information includes at least one or more names, resident registration numbers, passwords, addresses, contact numbers, account numbers, etc. of customers who apply for direct automatic transfer through the financial terminal.

The debit target giro information is characterized in that the customer comprises at least one or more billing agency number, payer number and payment amount information corresponding to one or more giro that applied for direct debit through the financial terminal, the claim The institution number preferably includes at least one of a giro number, a collection agency number, a publication number, and the like, which are printed on the table, and the payer number includes at least one of a payer number or a customer inquiry number, etc., printed on the table. It is preferable to comprise.

The direct debit application information information comprises at least one statement (or payment receipt) including a predetermined debit application history output from the financial terminal to the customer who applied for automatic debit through the financial terminal; It is preferable.

The electronic signature information is authentication information indicating that the customer has consented to the automatic transfer to the branch through the financial terminal. The electronic signature information stores a signature input by the customer through an electronic screen.

19 is a diagram illustrating a process of registering the direct debit application information in accordance with an embodiment of the present invention.

In more detail, FIG. 19 shows a case where the information registration server 1500 on the information registration system shown in FIG. 15 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal is connected to the information registration server 1500 to connect a communication channel for information registration according to the present invention, the customer information, automatic transfer to the information registration server 1500 through the communication channel When the direct debit application information including target giro information, direct debit application history information, electronic signature information is transmitted, the information registration server 1500 includes customer information included in the received direct debit application information and direct debit target destination. In the technical field to which the present invention belongs to a method for linking information, debit application history information, electronic signature information to a predetermined storage medium 1530, Those skilled in the art will be able to infer various implementation methods for registering the automatic debit application information from the window terminal to the information registration server 1500 by referring to or modifying the drawing 19. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the financial terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the information registration server 1500 shown in FIG. 15 is referred to as "server" for convenience, and the information registration is performed in the financial terminal. The customer information transmitted to the server 1500, the target information for direct debit, the direct debit application history information, the electronic signature information is referred to as "direct debit application information" for convenience.

Referring to FIG. 19, the financial terminal shown in FIG. 15 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the direct debit application information, and applies for direct debit application to the branch. When requesting registration of the direct debit application information (1900), the server generates (or extracts) a predetermined information registration interface for registering the direct debit application information (1905), and generates (or via the communication channel) The extracted information registration interface is transmitted to the terminal and output (1910).

According to an embodiment of the present invention, the information registration interface inputs (or selects) direct debit application information including at least one of the customer information, debit target geography information, direct debit application history information, and electronic signature information from the terminal. It is desirable to include a user interface).

Thereafter, the terminal inputs (or selects) debit application information including at least one or more customer information, direct debit target information, and debit application history information through the information registration interface (1915).

If the terminal receives (or selects) the debit application information including the customer information, the debit target branch information, the debit application history information, and the electronic signature information through the information registration interface (1920), The bank transfers the debit application information including the inputted (or selected) customer information, the debit target destination information, the debit application history information, and the electronic signature information through the financial network (1925).

Thereafter, the server receives and reads the customer information, the debit target geography information, the direct debit application history information, and the electronic signature information through the financial network (1930).

According to an embodiment of the present invention, the validity check on the debit application information is whether at least one ledger information matching the debit application information is registered in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the direct debit application information includes checking whether the customer information included in the direct debit application information matches the customer ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

In addition, the validation of the debit application information includes checking whether the account information included in the debit application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to make.

If the validity of the direct debit application information is not authenticated (1935), the server generates predetermined information registration error information and transmits it to the terminal (1940), and the information registration procedure corresponding to the direct debit application information. Do not do it.

On the other hand, if the validity of the direct debit application information is authenticated (1935), the server performs the information registration procedure corresponding to the debit application information, the customer information, debit target geography information, debit application history information, The electronic signature information is cooperatively stored and stored in the predetermined storage medium 1530 (1945).

According to one embodiment of the invention, the storage medium 1530 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 1530 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1530 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1950), thereby completing the procedure of registering the debit application information transmitted from the terminal.

According to the present invention, when the utility bill payment through the utility bill unmanned receiver, tells the contents of the automatic transfer through the utility bill unmanned receiver, there is an advantage that can be expected to attract the settlement funds through automatic payment of utility bills.

In addition, it is possible to induce a transaction mainization by attracting settlement customers' funds, and has the advantage of preparing a new channel for increasing active customers.

In addition, there is an advantage that the work efficiency can be increased by improving the work process.

Claims (7)

In a financial terminal having a memory unit for recognizing and reading a bill (bills) bills, and storing them, and storing the bills (or bills) information available for automatic transfer, A Jiro checking unit which compares one or more giro (or bills) information to be recognized and read out with the debitable giro (or bills) information stored in the memory unit, the giro (or bills) information that can be applied for automatic debit; When the debit (or bill) information is confirmed, the direct debit request (or bill) information is displayed on the screen, and the screen of the debitable debit information available on the screen to receive a debit request from the customer Direct debit application; And The information terminal for transmitting the customer information and the giro information that the customer has applied for direct debit to a server on the network; comprising a financial terminal with a Jiro automatic transfer request function characterized in that it comprises. The method of claim 1, Financial terminal with a Jiro automatic transfer request function characterized in that it further comprises a customer authentication unit for receiving the input request for the authentication information for the customer direct debit application. The method of claim 1, Jiro direct debit application The financial terminal with a Jiro direct debit application function characterized in that it further comprises an electronic signature processing unit for processing the electronic signature entered by the customer in conjunction with the customer information or the direct debit application Jiro information. Confirming information of a road (or utility) that is available for direct debit among the roads (or utility bills) paid by the customer in the financial terminal; Receiving (or selecting) debit application information for the identified direct debit (or utility bill) at a financial terminal; Transmitting a debit application information (or details) for the input (or utility bill) from the financial terminal to the server through a network; Temporarily registering the debit application information (or details) in a storage medium (or ledger) at a server; And If the server receives the customer's paper (or utility bills) direct debit application information from a predetermined teller terminal, registering the debit application information (or details) provisionally registered in the storage medium (or ledger); Jiro automatic transfer application method characterized in that the made. Confirming information of a road (or utility) that is available for direct debit among the roads (or utility bills) paid by the customer in the financial terminal; Receiving (or selecting) a debit application information and customer electronic signature information for the identified direct debit (or utility bill) at a financial terminal; Transmitting a debit application information (or details) and customer electronic name information on the land (or utility bill) received from the financial terminal to the server through a network; And Registering a direct debit application information (or details) in a storage medium (or ledger) at a server. Check the information of the direct debit (or utility) that is available for direct debit among customers (or bills) paid by the customer, and receive (or select) the debit application information for the confirmed bill (or bill). A financial terminal for transmitting the debit application information (or details) for the received payment (or utility bill) to the server through the network; And When the direct debit application information (or details) is temporarily registered in a storage medium (or ledger), and the customer's payment (or utility bill) automatic debit application information is received from a predetermined teller terminal, provisional registration is made in the storage medium (or ledger). Giro automatic transfer request system, characterized in that it comprises a; a server for normal registration processing of the debit application information (or details). The method of claim 6, wherein the server, And when the customer electronic signature information is further received from the financial terminal, registering the debit application information (or the details) into a storage medium (or ledger).

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