KR20100000489A - System and method for paying giro using wireless terminal and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for paying Giro using wireless terminal and a recording medium thereof are provided to inquire the Giro payment history by deciphering the image photographed with a camera of a mobile phone. CONSTITUTION: A user gets image data of Giro through a wireless terminal(220). The image data is transmitted to a server(225). The terminal creates an interface screen for inputting Giro information about the Giro to be paid. The created interface screen is outputted through the display unit of the terminal(240). The Giro information input is identified through the interface screen(250). The inputted Giro information as described above is transmitted to the server(255). The Giro inquiry result corresponding with the Giro information is received from the server(260).

Description

Giro payment method and system using a wireless terminal and a recording medium for the same {System and Method for Paying Giro using Wireless Terminal and Recording Medium}

1 is a diagram illustrating the configuration of a wireless terminal function for checking image data based payment information and using a payment processing service according to an embodiment of the present invention.

2 is a diagram illustrating an operation process of a wireless terminal for using image data-based payment information confirmation and payment processing service for a bill to be paid according to an embodiment of the present invention.

3 is a diagram illustrating a configuration of a wireless terminal function for checking payment data based on image data and using a payment processing service according to another embodiment of the present invention.

4 is a diagram illustrating a process of providing a payment processing service using the confirmed payment information after confirming payment information based on image data for a payment to be made according to an embodiment of the present invention.

5 is a diagram illustrating a jiro processing system for processing giro image data and giro payment according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of processing image data into a payment target branch and a branch payment process according to an exemplary embodiment of the present invention.

FIG. 7 is a diagram illustrating a process of processing image data into a payment target branch and a branch payment process according to another exemplary embodiment of the present invention.

8A and 8B are diagrams illustrating a process of registering giro payment request information in a non-face-to-face manner for processing image data and giro payment in accordance with an embodiment of the present invention.

9A, 9B, and 9C illustrate a process of registering giro payment request information through a non-face-to-face financial transaction channel for image data processing and giro payment processing according to an embodiment of the present invention.

<Description of main parts of drawing>

100: wireless terminal 105: control unit

110: screen output unit 115: sound processing unit

120: key input unit 125: battery

130: wireless processing unit 135: short-range communication unit

140: camera unit 145: memory unit

150: image acquisition unit 155: image transmission unit

160: information receiving unit 165: output processing unit

170: information transmission unit 175: giro payment processing unit

180: electronic document receiving unit 185: information generating unit

190: electronic document storage unit 195: short-range device

According to the present invention, if a user requesting a payment of giro acquires image data to a payment target site through a wireless terminal, and transmits the image data to the server, receiving the image data, and receiving the image data on the received payment target map. Checking a giro payment history description area, extracting a giro payment history-a giro number, a payer information, and an amount of money information described in the giro payment history description area; and transmitting the extracted giro payment details to the wireless terminal. It relates to a giro payment method using a wireless terminal comprising.

Due to the development of information and communication technology, one of the indispensable things in our life has been to have a variety of complex functions.

In the case of a camera provided in one of the mobile phones, a camera having a high resolution of more than 1 million pixels is basically installed in the mobile phones, and thus, photography technology through mobile phones is being developed day by day.

In addition, due to the development of the modern society and the financial industry, various types of taxes generated in our lives are paid using a convenient method called Giro. It's a hassle to deal with.

An object of the present invention for solving the above problems, the user requesting the payment to the giro acquires the image data to the target payment site through the wireless terminal, and transmitting the image data to the server, means for receiving this, and receiving Means for confirming the giro payment history description area on the image data for the selected payment target giro, and extracting the giro payment details-the giro number, the payer information, and the amount of money information described in the giro payment history description area; and the extracted giro payment details To provide a giro payment system using a wireless terminal comprising a means for transmitting to the wireless terminal.

According to the present invention, a method of paying giro payments using a wireless terminal may include receiving image data from a user requesting payment of giro, and transmitting the image data to a server through a wireless terminal. Checking the giro payment details on the image data of the received giro, and extracting the giro payment details-giro number, payer information, and amount information-described in the giro payment description area; And transmitting the details to the wireless terminal.

According to the present invention, a giro payment method using a wireless terminal includes a VM (Virtual Machine) or a financial IC chip provided in the wireless terminal when requesting a giro payment through a wireless terminal that has received the giro payment details on the payment target giro. It characterized in that it comprises a step of payment processing using.

Giro payment method using a wireless terminal according to the present invention, when the giro payment is completed in response to the request to pay the giro, further comprising the step of storing the information on the giro payment electronic document and stored in the cell phone or electronic document storage. It is done.

In the giro payment method using a wireless terminal according to the present invention, the giro payment history description area on the image data for the received payment target jiro is confirmed, and information for giro payment described in the giro payment history description area is extracted. In the step, if the giro payment history description area on the image data for the received payment target giro is not identified, a callback UEL for inputting the information described in the giro payment history description area on the payment target giro to the wireless terminal. URL) further comprising the step of transmitting.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the giro payment method using the above-described wireless terminal.

On the other hand, the giro payment system using a wireless terminal according to the present invention, the user requesting the payment of the giro to acquire the image data to the target payment destination through the wireless terminal, and transmitting the image data to the server, means for receiving this; And means for checking the giro payment history description area on the image data of the received payment target giro, and extracting the giro payment details-the giro number, the payer information, the amount information-described in the giro payment history description area, and the extracted information. And means for transmitting the branch payment details to the wireless terminal.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be 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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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.

FIG. 1 is a diagram illustrating a function configuration of a wireless terminal 100 for checking image data based payment information and using a payment processing service according to an embodiment of the present invention.

More specifically, FIG. 1 shows whether a mobile communication terminal connecting to a mobile communication network operating based on Code Division Multiple Access (CDMA) / Wide CDMA (WCDMA) and / or High-Speed Downlink Packet Access (HSDPA) will pay. In the case of performing a function of the wireless terminal 100 for checking image data based payment information and using a payment processing service, the terminal apparatus for checking image data based payment information and using a payment processing service for the bill to be paid. As for the configuration of the preferred function of the present invention, those skilled in the art to which the present invention belongs, the image data-based payment information confirmation and payment processing service for the bill to be paid by referring to and / or modifying the Figure 1 For different terminal devices (eg, portable Internet terminals, etc.), and / or various functional configurations corresponding to the characteristics of each terminal device. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

According to an embodiment of the present invention, the wireless terminal 100 providing CDMA / WCDMA and / or HSDPA-based mobile communication service has a physical body, a speaker, a microphone, a keypad, and a liquid crystal (LCD) in terms of hardware. Display), an antenna, a battery 125, and the like, and internally include predetermined functions including functions such as a code division multiple access (CDMA) modem, a central processing unit / micro processing unit (CPU / MPU), and a vocoder. Modem chips (eg, MSM series modem chips from Qualcomm, USA), various memory devices, a duplexer filter for separating transmission and reception signals from one antenna, a power amplifier for amplifying a transmission signal, and a high power amplifier; HPA), isolator to prevent high power transmission signal from reverse, RF / IF SAW filter to remove desired out-of-band unwanted signal, frequency up circuit of transmission path, Frequency downconversion circuit of receiving path, Voltage Controlled Temperature Compensated X-tal Oscillator (VCTCXO) corresponding to reference clock source, UHF frequency synthesizer used as local signal of frequency up-down conversion, and analog voice signal to digital signal Characterized in that it comprises a codec chip, the internal components are gradually integrated in the modem chip, and the modem chip has a variety of multimedia services in addition to the core components for the mobile communication services such as Various functions for additional services are being integrated together.

Referring to FIG. 1, the wireless terminal 100 for image data-based payment information confirmation and payment processing service for the payment branch is structurally controlled with a control unit 105 and an LCD (Liquid Crystal Display). ), A screen output unit 110 corresponding to), a sound processor 115 corresponding to a microphone / speaker, a key input unit 120 corresponding to a keypad, a wireless processor 130 corresponding to an antenna and various RF modules, And a memory unit 145 corresponding to the nonvolatile memory, and a battery 125 for supplying a predetermined power.

In addition, the wireless terminal 100 further includes a camera unit 140 that reads predetermined image information for providing various multimedia services and / or various additional services corresponding thereto, and / or a predetermined short range device ( 195 and the short range communication unit 135 connecting the short range communication channel is further provided.

In addition, the wireless terminal 100 is an IC chip (eg, financial IC chip, or mounted on or detached from the wireless terminal 100) to provide various financial (or payment) services and / or various additional services corresponding thereto. USIM, etc.) and an IC chip reader section for reading / writing predetermined information (or data) on the IC chip.

The control unit 105 includes a processor and an execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program routine for providing a function specific to the wireless terminal 100 from a predetermined memory device. And a predetermined electronic circuit (or integrated circuit) for inputting and outputting the data and / or program data. The memory unit 145 and And / or generic terms of program routines and / or program data which are loaded from the memory device (or chipset) into the execution memory and computed through the processor to perform specific functions (and thus, image data based on the payment to be made). A predetermined program recorded on the recording medium of the wireless terminal 100 to check the payment information and use the payment processing service. It will be described as being provided in the control unit 105 for convenience.), The program routine provided in the control unit 105 is basically an operating system routine (not shown) and at least one system management routine (eg, power management). Routine, channel (forward / reverse) management routine, handoff routine, etc.), and various functional configurations to be implemented in the wireless terminal 100 by the controller 105 are realized. It is characterized by.

According to the exemplary embodiment of the present invention, after power is supplied to the wireless terminal 100, the operating system routine (not shown), at least one system management routine (not shown), and various system variables corresponding thereto are stored in the control unit ( By loading into the execution memory included in 105 and arithmetic processing by the processor, the wireless terminal 100 converts a system setting detailed state, a pilot channel acquisition detailed state, a synchronization channel acquisition detailed state, and a timing change according to a predetermined booting procedure. The operation mode corresponding to the "mobile station initialization state" including the detailed state is set.

After performing the booting procedure, the operating system routine (not shown), at least one system management routine (not shown), and various system variables corresponding thereto are loaded into the execution memory included in the controller 105 and loaded into the processor. By the arithmetic processing, the wireless terminal 100 is set to an operation mode corresponding to a "mobile station call waiting state", "system access state", or "call channel state", and so on. Call Processing) procedure.

According to the method of the present invention, the image data based on the payment information for the payment to the payment and the image acquisition and payment of the image data to the payment destination to use the payment processing service for the payment processing service to the server, The payment processing function is preferably initiated (or realized) through the predetermined key input in the operation mode corresponding to the "mobile station call waiting state".

The screen output unit 110 is a function configuration unit for a screen for checking each operation mode operation and the corresponding operation state of the wireless terminal 100, at least one including an LCD provided in the wireless terminal 100 And a screen output device and a driver to drive the screen output device, and output at least one key data input through the key input unit 120 in conjunction with the control unit 105, and / Or output a menu screen, a function processing screen, and a function processing result screen corresponding to at least one or more functions (or programs) included in the wireless terminal 100, and / or provided in the wireless terminal 100 ( Or outputting at least one or more contents (eg, text contents, image contents, multimedia contents) that are downloaded.

According to an exemplary embodiment of the present invention, the screen output unit 110 acquires image data and acquires the image data obtained from the payment target site for checking image data based payment information and using a payment processing service. It is preferable to perform a function of the screen output means for transmitting and outputting a menu screen, a function processing screen, and a function processing result screen corresponding to the payment processing function for the payment target branch.

The sound processor 115 is a functional component that processes input and output of sound in each operation mode of the wireless terminal 100. The sound processor 115 decodes at least one or more encoded sound data and is provided in the wireless terminal 100. And a vocoder and a codec for encoding and encoding a sound signal inputted through a microphone provided in the wireless speaker 100 and / or the microphone provided in the wireless terminal 100. .

According to an exemplary embodiment of the present invention, the sound processor 115 may correspond to a predetermined ring tone through the speaker in an operation mode corresponding to the “system access state” of each operation mode of the wireless terminal 100. It is preferable to decode and output sound data, and / or to encode and input a predetermined voice signal through a microphone in an operation mode corresponding to the "call channel state", or to decode and output a predetermined voice signal through a speaker. Do.

In addition, the sound processor 115 reproduces at least one sound content and / or multimedia content provided (or downloaded) by the wireless terminal 100 in at least one operation mode including the "mobile station call waiting state." In this case, it is preferable to decode and output sound data corresponding to the reproduced content.

According to an embodiment of the present invention, the sound processing unit 115 acquires image data and transmits the acquired image data to the payment target site for checking image data-based payment information for the payment branch and using a payment processing service. And it is preferable to perform the function of the sound output means for decoding and outputting the sound data corresponding to the payment processing function for the payment target giro.

The key input unit 120 includes a predetermined key having at least one key button including a predetermined number key and / or a character key and / or a function key. And a driver for driving the key input device, thereby detecting at least one key input signal generated by clicking (or entering) the key button in the key input device. Characterized in that.

According to the present invention, when a predetermined key input signal is detected from a predetermined key button provided in the key input device in a predetermined input mode and / or at least one or more operation modes controlled by the control unit 105, the key The input unit 120 may generate predetermined key events (eg, MH_KEY_PRESSEVENT, MH_KEY_REPEATEVENT, MH_KEY_RELEASEEVENT) corresponding to the detected key input signal, and provide the generated key event to the controller 105. The controller 105 reads predetermined key data corresponding to the key event in the current input mode and / or operation mode of the wireless terminal 100 (eg, a specific key event in each input mode and / or operation mode). Read key data from the key table for storing (managing) at least one key data corresponding to the key event; and / or It characterized in that the command to execute the bit and the matching is defined predetermined function shipping dock.

According to the exemplary embodiment of the present invention, the key input unit 120 inputs a predetermined telephone number in an operation mode corresponding to the "mobile station call waiting state" of each operation mode of the wireless terminal 100, and inputs a predetermined " By inputting a "call" button, it is preferable to change the operation mode of the wireless terminal 100 to an operation mode corresponding to the "system access state".

In addition, the key input unit 120 inputs a predetermined function key (for example, a menu key) in an operation mode corresponding to the "mobile station call waiting state" in each operation mode of the wireless terminal 100, thereby providing the wireless terminal. It is desirable to execute various functions provided in 100.

According to an exemplary embodiment of the present invention, the key input unit 120 acquires image data and transmits the acquired image data to the target destination for the image data-based payment information confirmation and payment processing service for the payment base. And it is preferable to perform the function of the key input means for inputting at least one or more key data corresponding to the payment processing function for the payment target giro.

The wireless processor 130 is a functional component that connects a wireless channel with a base station on a mobile communication network in which the wireless terminal 100 operates based on CDMA / WCDMA and / or HSDPA. The CDMA modem and various RF modules (eg, Duplexer filter, power amplifier, high power amplifier (HPA), isolator, RF / IF SAW filter, frequency up-circuit, frequency down-conversion circuit, VCTCXO, UHF frequency synthesizer, etc.) And an antenna and a driver for driving the antenna, and the location registration and / or slot mode and / or corresponding to each operation mode of the wireless terminal 100 in conjunction with the control unit 105. Power control and / or hand-off and / or call processing procedures may be performed.

According to an embodiment of the present invention, the wireless processing unit 130 acquires image data and transmits the acquired image data to the payment target site for checking image data-based payment information for the payment branch and using a payment processing service. And a radio frequency signal transmission / reception function (for example, antenna control, modulation, synthesis, amplification, and / or filtering of radio frequency signals) corresponding to the payment processing function for the payment target branch.

In particular, the wireless processor 130 processes or processes information or a signal transmitted from the wireless terminal 100 to the base station in order to use the image data-based payment information confirmation and the payment processing service for the paper to pay. It is preferable to include a function for reading a predetermined information or signal from the CDMA stack received from the base station.

According to another embodiment of the present invention, if the wireless terminal 100 shown in FIG. 1 is a portable Internet terminal, the wireless processor 130 accesses the IEEE 802.16x based portable Internet and pays the image data based on the payment. It is possible to include a wireless communication function configuration for providing a predetermined portable Internet service for use of information confirmation and payment processing services, thereby not limited to the present invention.

The short-range communication unit 135 is a function component that connects at least one local area device 195 and a short-range communication channel in order to use the image data-based payment information confirmation and the payment processing service for the bill to be paid. Infrared Ray Communication and / or radio frequency (RF) communication and / or Bluetooth and / or Wireless LAN and / or Wi-Fi, Ultra Wide Band (UWB) At least one local area device 195 and at least one local area communication channel corresponding to the local area communication standard through at least one local area communication means, the infrared communication, RF communication, Bluetooth, wireless LAN, It includes a short-range communication module corresponding to a short-range communication including Wi-Fi, ultra-wideband communication, the software by the short-range communication For is characterized in that comprises a communication protocol and / or the driver.

According to an exemplary embodiment of the present invention, the wireless terminal 100 connects at least one local area device 195 and a wireless section including a local area communication channel corresponding to each local area communication standard through the local area communication unit 135. In addition, it is possible to connect a predetermined communication channel with a server (or device) provided on a predetermined communication network through a wired section including a predetermined wired communication network connected to the local area apparatus 195, thereby allowing the present invention. This is not limited.

Those skilled in the art will be familiar with the technical features of the short-range communication module corresponding to the above-mentioned short-range communication standard and the technical features of the corresponding communication protocol. Description is omitted for convenience.

In addition, one of ordinary skill in the art to which the present invention belongs may infer that the wireless terminal 100 has a short range communication function corresponding to a short range communication standard in addition to the above short range communication standard. The present invention is characterized in that it comprises all the methods of inference.

The camera unit 140 is a functional component that obtains predetermined image information (or image information) for checking image data-based payment information and using a payment processing service for the payment branch, and includes a predetermined optical unit and a CCD ( Charge raster-based CCD image information is read out from a camera composed of a Charge Coupled Device) device in a bitmap manner, and the image information is provided to the controller 105.

The memory unit 145 corresponds to a storage medium for storing at least one or more information (or data) in the wireless terminal 100, and / or a recording medium for recording program codes corresponding to at least one or more program routines. General term for nonvolatile memory, including read only memory (ROM) corresponding to the read only memory, flash memory (FM), electrically erasable and programmable read only memory (EEPROM), and the like. Characterized in that made.

According to an embodiment of the present invention, the ROM information of the nonvolatile memory is not to be stored, and the flash memory is provided through an operating system routine, a call processing program routine, and / or the wireless terminal 100. Various application program routines and information or data for the same are stored, and the EEPROM is extracted and / or generated during the execution of the application included in the terminal registration related parameters and phone number (eg, address book) or the wireless terminal 100. Preferably at least one or more information (or data) is stored.

Referring to FIG. 1, the wireless terminal 100 for image data-based payment information confirmation and payment processing service for the branch to be paid may include image data of image information (or image information) for the branch to be paid. And an image obtaining unit 150 obtained in association with the camera unit 140 and an image transmitting unit 155 for transmitting the obtained image data to the server in association with the wireless processing unit 130. It is done.

The image acquisition unit 150 acquires image data about image information (or image information) for the payment target branch in association with the camera unit 140, and the received image data is the image. It is provided to the transmission unit 155.

According to the exemplary embodiment of the present invention, the image acquisition unit 150 may acquire image data of the target to be paid among the image information (or image information) acquired through the camera unit 140.

In order to acquire the image data for the target to be paid, the image acquisition unit 150 further comprises a data processing process for the image information (or image information) obtained in conjunction with the camera unit 140. desirable.

The image transmitter 155 transmits the image data acquired through the image acquirer 150 to the server in association with the wireless processor 130.

Here, when transmitting the image data, it is preferable to generate and transmit a giro inquiry request message including the image data according to a server that receives the image data, and the giro inquiry request message is the image data and the image data. It is preferable to include at least one or more information of the radio terminal 100 for transmitting.

When generating and transmitting a full text request request including the image data, the wireless terminal 100 preferably further comprises a full text generation unit for generating the full text request request.

Referring to FIG. 1, the wireless terminal 100 for image data-based payment information confirmation and payment processing service for the bill to be paid is transferred to the payment destination address to the server through the image transmitter 155. Corresponding to the image data for, characterized in that it comprises an information receiving unit 160 for receiving the results of the giro lookup confirmed based on the information described in the one or more description area for the image data.

Here, the results of the search for giro according to the recognition of the various description area for the transmitted image data, whether or not to pay the giro to the payment target, whether there is an error on the giro paper, information on the geo-paper reading result information (for example, giro number, payer information , Amount information, and the like).

Alternatively, the search result of the jiro may include a callback URL (Uniform Resource Locator) for inputting one or more information described in the payment target jiro according to the failure of recognizing various description areas of the transmitted image data. Do.

Referring to FIG. 1, the wireless terminal 100 for image data-based payment information confirmation and payment processing service for the giro to be paid, and the giro inquiry result information received through the information receiving unit 160 receives the callback UEL. If so, the output processing unit 165 for outputting the interface screen received in association with the wireless processing unit 130 (or in conjunction with the program (or module) provided in the wireless terminal 100), and the output It is characterized in that it comprises an information transmitter 170 for transmitting to the server in conjunction with the wireless processing unit 130 for the information about the giro search input in conjunction with the key input unit 120 through the interface screen .

Responding to the image data for the payment target giro transmitted from the wireless terminal 100, upon receiving a giro inquiry result including a callback UEL, the output processor 165 is an interface for inputting one or more giro information from the server. It is characterized by outputting a screen.

Here, the interface screen includes an area (or an icon, a pop-up window, etc.) for outputting image data recognition error information to the destination to be received from the server, and an area for inputting at least one of a number, payment information, and amount information. It is preferable to make it.

Thereafter, when the information for the giro inquiry is input through the output interface screen, the information transmitter 170 transmits the input information for the giro inquiry to the server.

Here, it is preferable that the information for the search for giro includes at least one of a giro number, payer information, and amount information.

Referring to FIG. 1, the wireless terminal 100 for image data-based payment information confirmation and payment processing service for the bill to be paid is transferred to the server to be paid to the server through the information transmitter 170. Characterized in that it comprises a information receiving unit 160 for receiving the results of the check giro lookup based on the information for the search for giro.

Here, the results of the search for giro according to the recognition of the various description area for the transmitted image data, whether or not to pay the giro to the payment target, whether there is an error on the giro paper, information on the geo-paper reading result information (for example, giro number, payer information , Amount information, and the like).

Referring to FIG. 1, the wireless terminal 100 for image data-based payment information confirmation and payment processing service for the giro to be paid, receives the giro inquiry result through the information receiver 160, and then receives the received information. The giro payment processing unit 175 for processing the giro amount based on the giro number, the payer information, and the amount information included in the result of the search of the giro, and an electronic document receiving unit for receiving the giro payment electronic document for the processed giro. 180, an information generation unit 185 for generating electronic document management information for storing and managing the received branch payment electronic document in the memory unit 145, the received branch payment electronic document, and the generation. And an electronic document storage unit 190 for storing the electronic document management information in the memory unit 145.

When the result of the giro inquiry is received through the information receiving unit 160, the giro payment processing unit 175 pays the giro amount based on the giro number, the payer information, and the amount of information included in the received giro inquiry result. It features.

According to the method of the present invention, in response to the payment target Jiro received the search results, the amount of money included in the search results to the giro number is characterized in that the payment process to the giro number, the wireless terminal 100 It is preferable to further process to transmit the financial information (eg, account number, authentication information, etc.) for the customer having the wireless terminal 100 stored in the financial IC chip provided on the server to pay.

According to another exemplary embodiment of the present invention, in response to the payment target jiro receiving the giro inquiry result, the amount of money included in the giro inquiry result is treated as the giro number, and the wireless terminal 100 It is preferable to process the VM (Virtual Machine) provided on the) to be paid through communication with the server.

The electronic document receiving unit 180 may receive a branch payment electronic document from a server that processes the electronic document for the branch payment in response to the payment target branch.

The information generating unit 185 is a predetermined electronic document unique number (or unique information) to be assigned to the branch payment electronic document received through the electronic document receiving unit 180 and the branch through the electronic document receiving unit 180. And generating electronic document management information including electronic document storage date and time information including a date and time at which a payment electronic document is received (or a date and time at which the payment electronic document is stored).

According to one embodiment of the present invention, the electronic document management information generation for the received giro payment electronic document, by identifying the institution that sent the giro payment electronic document with reference to the server that sent the giro payment electronic document, It is preferable to generate the electronic document management information further comprising the identified organization information.

According to another embodiment of the present invention, the electronic document management information generation for the received giro payment electronic document, if the electronic document management information is further received in addition to the giro payment electronic document, the received electronic document related information ( For example, the electronic document management information may further include customer information for which the payment is made to the electronic payment document, and / or institution information and / or electronic document file format information for transmitting the electronic payment document. It is preferable.

The electronic document storage unit 190 processes the branch payment electronic document received through the electronic document receiving unit 180 and electronic document management information generated through the information generating unit 185 in the memory unit 145. Characterized in that stored in.

2 is a diagram illustrating an operation process of the wireless terminal 100 for checking image data based payment information and using a payment processing service according to an embodiment of the present invention.

More specifically, Figure 2 shows whether a mobile communication terminal connecting to a mobile communication network operating based on Code Division Multiple Access (CDMA) / Wide CDMA (WCDMA) and / or High-Speed Downlink Packet Access (HSDPA) will pay. In the case of performing a function of the wireless terminal 100 for checking image data based payment information and using a payment processing service, the terminal apparatus for checking image data based payment information and using a payment processing service for the bill to be paid. As shown in the preferred operating process of the present invention, those of ordinary skill in the art to which the present invention pertains, image data-based payment information confirmation and payment processing service for the bill to be paid by referring to and / or modifying the drawing 2 Other terminal devices (e.g., portable Internet terminals, etc.) for use, and / or various operation procedures corresponding to the characteristics of each terminal device. One various implementation method may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the wireless terminal 100 shown in FIG. 1 is referred to as a “terminal” for convenience.

Referring to FIG. 2, the terminal drives a camera provided in the wireless terminal 100 to use image data-based payment information confirmation and payment processing service for the bill to be paid (200).

If the camera provided in the terminal is not driven (205), the terminal generates (or extracts) camera driving error information provided in the terminal and outputs it through the screen output device of the terminal (210), The process then ends.

On the other hand, when the camera provided in the terminal is driven (205), the terminal acquires the image information (or image information) including the image as a target to be queried through the driven camera (215), the obtained In operation 220, image data is obtained from a payment destination included in image information (or image information).

According to the exemplary embodiment of the present invention, the image acquisition unit 150 may acquire image data of the target to be paid among the image information (or image information) acquired through the camera unit 140.

In order to acquire the image data for the target to be paid, the image acquisition unit 150 further comprises a data processing process for the image information (or image information) obtained in conjunction with the camera unit 140. desirable.

Thereafter, the terminal transmits the acquired image data to the server to the payment target site (225), and after receiving the giro inquiry result based on the image data to the payment target site from the server, the received giro search result In operation 230, it is determined whether recognition of the image data has failed.

Here, when transmitting the image data, it is preferable to generate and transmit a giro inquiry request message including the image data according to a server that receives the image data, and the giro inquiry request message is the image data and the image data. It is preferable to include at least one or more information of the radio terminal 100 for transmitting.

If the image search result is not a failure to recognize the image data for the payment target Jiro (235), the terminal outputs the results of the Jiro inquiry for the payment target Jiro through the screen output device of the terminal (265).

On the other hand, if the image data recognition failure for the payment target giro in the results of the search for giro (235), the terminal generates (or extracts) the interface screen for inputting the information on the giro to the payment target, the generation (or extraction) The outputted interface screen is output through the screen output device of the terminal (240).

Here, the interface screen includes an area (or an icon, a pop-up window, etc.) for outputting image data recognition error information to the destination to be received from the server, and an area for inputting at least one of a number, payment information, and amount information. It is preferable to make it.

Here, it is preferable that the information for the search for giro includes at least one of a giro number, payer information, and amount information.

Thereafter, the terminal confirms the input of the giro information through the output interface screen (245). If the input of the giro information is confirmed through the interface screen (250), the terminal transmits the input geo information to the server (255). In step 260, after receiving the result of the inquiry of the giro corresponding to the transmitted information of the giro from the server, the received result of the inquiry of the giro is output (265).

3 is a diagram illustrating a function configuration of a wireless terminal 100 for checking payment data based on image data and using a payment processing service according to another embodiment of the present invention.

More specifically, Figure 3 shows whether a mobile communication terminal that accesses a mobile communication network operating based on Code Division Multiple Access (CDMA) / Wide CDMA (WCDMA) and / or High-Speed Downlink Packet Access (HSDPA) will pay. In the case of performing a function of the wireless terminal 100 for checking image data based payment information and using a payment processing service, the terminal apparatus for checking image data based payment information and using a payment processing service for the bill to be paid. As shown in the preferred operating process of the present invention, those skilled in the art to which the present invention pertains, image data-based payment information confirmation and payment processing service for the bill to be paid by referring to and / or modifying the Figure 3 Other terminal devices (e.g., portable Internet terminals, etc.) for use, and / or various operation procedures corresponding to the characteristics of each terminal device. Would be able to infer the various exemplary methods, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 3.

Hereinafter, in FIG. 3, the wireless terminal 100 shown in FIG. 1 is referred to as a “terminal” for convenience.

Referring to FIG. 3, the terminal drives a camera provided in the wireless terminal 100 in order to confirm payment information based on the payment data and use a payment processing service (300).

If the camera provided in the terminal is not driven (305), the terminal generates (or extracts) camera driving error information provided in the terminal and outputs it through the screen output device of the terminal (310), The process then ends.

On the other hand, when the camera provided in the terminal is driven (305), the terminal acquires the image information (or image information) including the image to the destination to be queried through the driven camera (315), the obtained Image data is obtained from the payment target included in the image information (or image information) (320).

According to the exemplary embodiment of the present invention, the image acquisition unit 150 may acquire image data of the target to be paid out of the image information (or image information) acquired through the camera unit 140.

In order to acquire the image data for the target to be paid, the image acquisition unit 150 further comprises a data processing process for the image information (or image information) obtained in conjunction with the camera unit 140. desirable.

Thereafter, the terminal transmits the image data to the server to obtain the payment destination (325).

Here, when transmitting the image data, it is preferable to generate and transmit a giro inquiry request message including the image data according to a server that receives the image data, and the giro inquiry request message is the image data and the image data. It is preferable to include at least one or more information of the radio terminal 100 for transmitting.

Thereafter, the terminal receives a giro inquiry result corresponding to the transmitted giro information from the server (330), and then outputs the received giro inquiry result through a screen output device provided in the terminal (335).

4 is a diagram illustrating a process of providing a payment processing service using the confirmed payment information after confirming payment information based on image data for a payment to be made according to an embodiment of the present invention.

More specifically, FIG. 4 shows whether a mobile communication terminal connecting to a mobile communication network operating based on Code Division Multiple Access (CDMA) / Wide CDMA (WCDMA) and / or High-Speed Downlink Packet Access (HSDPA) will pay. In the case of performing a function of the wireless terminal 100 for checking image data based payment information and using a payment processing service, the terminal apparatus for checking image data based payment information and using a payment processing service for the bill to be paid. As a process of providing a payment processing service through Jiro, a person having ordinary skill in the art to which the present invention pertains, image data-based payment for the jiro to be paid by referring to and / or modifying the drawing 4. Other terminal devices (e.g., portable Internet terminals, etc.) for checking the information and using the payment processing service, and / or correspond to the characteristics of each terminal device. Would be able to infer a variety of exemplary methods for the various operation process, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 4.

Hereinafter, in FIG. 4, the wireless terminal 100 shown in FIG. 1 is referred to as a “terminal” for convenience.

Referring to FIG. 4, the terminal receives a giro inquiry result according to the process of FIG. 2 or FIG. 3 in response to a payment target giro (400).

Here, the results of the search for giro according to the recognition of the various description area for the transmitted image data, whether or not to pay the giro to the payment target, whether there is an error on the giro paper, information on the geo-paper reading result information (for example, giro number, payer information , Amount information, and the like).

Thereafter, the terminal outputs the giro inquiry result for the received payment target giro (405), and checks whether the giro payment request for the output giro inquiry result (410).

When requesting a payment for the output of the displayed giro inquiry (415), the terminal processes the payment of the giro payment (420).

According to the method of the present invention, in response to the payment target Jiro received the search results, the amount of money included in the search results to the giro number is characterized in that the payment process to the giro number, the wireless terminal 100 It is preferable to further process to transmit the financial information (eg, account number, authentication information, etc.) for the customer having the wireless terminal 100 stored in the financial IC chip provided on the server to pay.

According to another exemplary embodiment of the present invention, in response to the payment target jiro receiving the giro inquiry result, the amount of money included in the giro inquiry result is treated as the giro number, and the wireless terminal 100 It is preferable to process the VM (Virtual Machine) provided on the) to be paid through communication with the server.

FIG. 5 is a diagram illustrating a geoprocessing system for processing geography image data and geography payment processing according to an embodiment of the present invention.

In more detail, in FIG. 5, after receiving image data of a target to be paid for a target to be paid from the predetermined customer terminal 585 and image processing for the target to be paid to, the image data is processed by processing the received image data. After extracting the giro number, the payer information, the amount information, etc. on the data and providing it to the terminal, at least one of the customer information, the customer account information, and the payment target map image data information for processing the payment of the giro to the payment target giro. When receiving the giro payment request information including, the configuration of a giro processing system for the giro payment processing for the payment target giro based on the received giro payment request information.

In addition, in the giro processing system for the image processing and payment of the giro to the payment target, a giro payment electronic document including information on the giro payment request including at least one of customer information, customer account information, payment target geo image data information It is characterized in that for storing in the electronic document storage, specifically, the electronic document storage for the implementation method which is provided on the external system associated with the jiro processing system through a predetermined communication means.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 5 to infer various implementation methods for the construction of a geoprocessing system for processing image data and geopayment to the payment target. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the jiro processing system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 5, the giropayment electronic document is illustrated as being generated on the server side on the geoprocessing system, but the present invention is not limited thereto. The electronic document may be generated on the terminal side which inputs (or selects) the giro payment request information and transmits the electronic document generation function (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the giro payment electronic document). The present invention is not limited thereto.

In addition, according to the implementation method shown in FIG. 5, although the image data information is transmitted to the target destination for generating the giro payment electronic document by the customer terminal 585, the giro payment request information is transmitted. It is also possible to use the image data to the destination to be paid by the customer, whereby the present invention is not limited.

Hereinafter, receiving the giro payment request information from the customer through a predetermined giro payment request interface on the giro processing system shown in FIG. 5, a predetermined giro payment electronic document is generated and stored in a predetermined electronic document repository. Components corresponding to at least one or more means and / or functional configurations for storing the giro payment request information in a predetermined storage medium 555 are referred to as "jiro processing server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, a giro processing system for processing image data of a payment target and giro payment processing includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. And a customer terminal 585 including at least one or more thereof, wherein the customer terminal 585 communicates with a giro processing server 500 provided on the geoprocessing system through a predetermined communication network. This is connected.

According to one embodiment of the invention, the customer is connected to the geoprocessing server 500 via a client terminal including a wireless terminal connected to a predetermined wireless communication network, at least one provided by the geoprocessing server 500 When the user inputs (or selects) the giro payment request information for the image processing and the giro payment processing through the user interface, the giro processing server provided on the geoprocessing system through a predetermined communication network in the client terminal. It is preferable to transmit to 500.

Here, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a smart phone and / or telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the IEEE 802.11x device. It is preferable to include at least one or more WLAN terminal connected to the semi-LAN.

In addition, the giro processing server 500 is connected to the client terminal is preferably a wireless banking server, and / or comprises a separate web server for the image data processing and giro payment processing to the payment destination.

In addition, the communication network connecting the client terminal and the Jiro processing server 500 may be a CDMA-based (and / or HSDPA-based) mobile communication network and / or an IEEE 802.16x-based portable device according to a wireless communication network type to which the client terminal is connected. Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the processing server 500, and inputs and / or selects at least one or more information through the user interface to the processing server 500. 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 branch processing server 500, etc.) for transmission is provided.

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

In the geoprocessing system as described above, a client terminal including a wireless terminal used by the customer, and at least one or more wireless communication networks connecting the client terminal and the geoprocessing server 500 may be configured by the customer. It performs the function of the giro payment request interface for giro payment processing through the giro payment request information for data processing and giro payment processing.

The storage medium 555 provided on the giro processing system according to the present invention stores the customer information, the customer account information, and the payment target image data included in the giro payment request information provided from the customer terminal 585. It is characterized by storing in a predetermined storage medium 555 by the cooperative process.

The customer account information, after receiving the image data for the payment target giro, by reading the received image data to extract the giro payment information containing at least one of the giro number, payer information, amount information, the extracted It is preferable to include at least one or more account numbers, account aliases, etc. for the target financial account for processing the payment amount of the giro payment information.

The payment destination image data information includes image data received corresponding to the payment target destination from the customer terminal 585 (that is, the wireless terminal shown in FIG. 1) connected to the Jiro processing server 500 through a communication network; It is preferable to include at least one or more of the date, time, and the like for obtaining the image data.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one of member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system associated with the jiro processing system, in response to the customer. It is preferable.

According to an embodiment of the present invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the geoprocessing system (or associated with the geoprocessing system), wherein the storage medium 555 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 555 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the geoprocessing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The geoprocessing server 500 provided on the geoprocessing system according to the present invention is a generic term for the components of the geoprocessing system connected to the customer terminal 585 through a predetermined communication network, and includes at least one server (or Device) and / or at least one program 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 customer terminal 585 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the branch processing server 500 may be A predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). Or a device), and / or a program provided in the external world on the financial system, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the customer terminal 585 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the branch processing server 500 may be configured as the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 585 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the branch processing server 500 may be configured as the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on and / or a program provided in the telebanking server, and / or an external system of the financial system through the telebanking system A predetermined server (or device) accessible to the program, a program included in the server (or device), and / or on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited. do.

According to another exemplary embodiment of the present invention, when the customer terminal 585 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the giro processing server 500 may be configured as the TV. A predetermined TV banking server provided on a banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the method of the present invention, the branch processing server 500 is provided with an interface unit 505 (or interface means) for connecting and managing a predetermined communication channel with the customer terminal 585 through the communication network. It is characterized by.

According to an embodiment of the present invention, when the customer terminal 585 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP 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 giro processing server 500, the interface unit 505 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 customer terminal 585 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the 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.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 505 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the giro processing server 500, the interface unit 505 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 5, the branch processing server 500 includes an image receiving unit 520 (or image receiving unit) for receiving image data of one or more inquiry targets transmitted from the customer terminal 585, and the payment target. An image reading unit 525 (or image reading means) which checks image data of the branch and confirms and reads one or more regions in which the branch number, payer information, amount of money information and the like are written on the image data, and on the read image data. The information confirming unit 530 (or information checking means) for confirming the giro number, payer information, and amount information described in the description area, and the identified giro number, payer information, and amount information corresponding to the check target giro The information transmission unit (or information transmission number) for confirming whether the payment is already made, and transmitting one or more of the branch number, payer information, and amount information to the customer terminal 585. It is characterized by comprising a).

When the image data for the payment target ground in the customer terminal 585 is transmitted to the geoprocessing server 500 through the communication network, the image receiving unit 520 receives the image data for the payment target settlement. do.

Those skilled in the art will be familiar with the technical features of the method and / or process for receiving the image data to the payment destination through the communication network, the detailed description thereof Omit for convenience.

When the image data to the payment destination is received through the image receiving unit 520, the image reading unit 525 writes the number, the payer information, the amount information, etc. on the image data of the payment destination to the destination, respectively. Read more than one area.

According to an exemplary embodiment of the present invention, a method for identifying an area in which the giro number, the payer information, the amount information, and the like on the image data of the received payment target image is written, respectively, recognizes one or more characters included in the image data. In addition, it is preferable to check a region in which the received giro number, payer information, amount information, etc. of the received target giro are described, and 2D or 3D barcodes, marks, etc. may be recognized according to the intention and purpose of those skilled in the art.

According to another exemplary embodiment of the present invention, a method for identifying an area in which the number of the Giro, the payer information, and the amount of the information on the image data of the received payment target image is written may include at least one character at a designated position on the image data. It is preferable to check the area in which the number, the payer information, the amount information, etc. of the received payment target giro is confirmed.

Here, it is preferable that the designated position on the image data is a position on the giro paper designated by a plurality of financial institutions (or by an institution managing the giro).

When the region in which the giro number, the payer information, the amount information, etc. of the image data of the received payment target paper is respectively identified through the image reading unit 525 is identified, the information checking unit 530 determines the giro number and payer. It is characterized in that the information on the number, the payer information, the amount information, etc., for each of the areas where the information, the amount information, etc. are listed.

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the technical characteristics of the character recognition method and / or process for recognizing the branch number, the payer information, the amount of money information, etc. for the image data of the destination to be paid Since it will be familiar, detailed description thereof will be omitted for convenience.

When the number, payer information, amount information, etc. included in the image data of the received payment destination map is confirmed through the information confirmation unit 530, the information transmission unit includes the confirmed location number, payer information, amount information, and the like. After checking whether the payment is based on the basis, it is characterized in that the transmission to the customer terminal (585), such as the number, payer information, amount information.

According to the implementation method of the present invention, the inquiry processing for the payment target giro is to transmit the confirmed giro number, payer information, amount information, etc. to the server for inquiry of the jiro, and to receive the jiro payment result from the server. desirable.

According to another exemplary embodiment of the present invention, the inquiry processing for the payment target giro is, in the case of the server for the issuing giro that issued the confirmed giro, the giro based on the confirmed giro number, payer information, amount information, and the like. It is preferable to search the database provided on the processing server 500 to generate the giro inquiry result information.

Referring to FIG. 4, when the giro processing server 500 does not check a description area such as a giro number, a payer information, and an amount of money information on the image data of the payment target giro received through the image receiver 520, Callback URL (Uniform Resource Location) for inputting the information on the area recognition error and the geographic number, the payer information, the amount information, etc. Information transmitting unit (or information transmitting means) for transmitting the information to include, and information receiving unit 515 (or information receiving means) for receiving the received geo-number, payer information, amount information, etc. received through the provided callback UEL It characterized by comprising a.

If the description area such as the location number, the payer information, the amount information, etc. on the image data for the destination to be received through the image receiving unit 520 is not confirmed, the information transmission unit is a description area to the customer terminal 585. Characterized by transmitting the recognition error information, and the callback UEL for inputting the number, the payer information, the amount information, such as the giro number on the payment target according to the description area recognition error.

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the method and / or process for providing an interface for inputting the geographic number, the payer information, the amount information, etc. on the destination to be paid through the callback UEL Since you will be familiar with the features, detailed description is omitted for convenience.

The information receiving unit 515 is characterized in that it receives the number, payer information, amount information, etc. received and received through the provided callback UEL.

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the technical characteristics of the method and / or process for receiving and inputting the gyro number, payer information, amount information, etc. Since it will be familiar, detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the jiro processing server 500 checks the result of the jiro inquiry on the giro to be paid based on the received giro information, payer information, amount information, etc. in association with the server managing the giro. And an information transmission unit (or information transmission means) for transmitting the result of the inquiry to the customer terminal 585.

According to the implementation method of the present invention, the inquiry processing for the payment target giro, transmits the received giro information, payer information, amount information, etc. to the server managing the giro, and receives giro inquiry result information from the server It is desirable to.

According to another embodiment of the present invention, the inquiry processing for the payment target giro is, if the server managing the giro is a giro issuing agency server that issued the giro, the received giro information, payer information, amount of money information, and the like. It is desirable to search the database provided on the giro processing server 500 based on the giro search result information to generate.

Referring to FIG. 5, when the predetermined customer terminal 585 connects a predetermined communication channel with the giro processing server 500 through the interface unit 505, the target payment is received. At least one user interface for inputting (or selecting) predetermined giro payment request information from the client terminal 585 and transmitting it to the giro processing server 500 for giro image data processing and giro payment processing (or And an interface providing unit 510 (or interface providing means) for providing the generated (or extracted) user interface to the customer terminal 585 in association with the interface unit 505, and the customer. When the terminal 585 inputs (or selects) the giro payment request information through the user interface and transmits the information, the terminal 585 is transferred from the customer terminal 585 in association with the interface unit 505. And an information receiving unit 515 (or information receiving means) for receiving the transmitted branch payment request information.

The interface provider 510 connects a predetermined communication channel with the branch processing server 500 through the interface unit 505, and then the payment is made to the branch processing server 500. When requesting a user interface for image data processing and giro payment processing to a target branch, the client terminal 585 inputs (or selects) predetermined giro payment request information and transmits it to the giro processing server 500 through the communication network. Generate at least one user interface and / or extract it from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 505 via the communication network to the customer terminal. It is characterized by providing (585).

According to an embodiment of the present invention, when the customer terminal 585 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined giro payment request information to the customer terminal 585 and transmitting it to the giro processing server 500 through the communication network is provided. When a predetermined geoprocessing program is provided, a user interface is generated (or extracted) for inputting (or selecting) predetermined geospatial payment request information and transmitted to the geoprocessing server 500 as described above. The interface providing unit 510 provided to 585 may be omitted, and the present invention is not limited thereto.

Thereafter, the customer terminal 585 inputs (or selects) branch payment request information including at least one of the customer information, the customer account information, and the image data information to the payment destination through the user interface, and the input (or Selects and transmits the payment request information to the branch processing server 500 through the communication network. In response, the information receiving unit 515 transmits the information to the branch processing server 500 from the client terminal 585 in association with the interface unit 505. Receiving the giro payment request information.

According to an exemplary embodiment of the present invention, the customer terminal 585 includes at least one of the customer information, the customer account information, and the image data information to be paid. At least one or more of a predetermined password and / or security card information for confirming the validity of the payment request information and / or OTP code generated through a predetermined one time password (OTP) generator, and the like through the communication network It is preferable to transmit to the processing server 500.

According to an exemplary embodiment of the present invention, the customer terminal 585 may include at least one encryption method (eg, a symmetric key) for branch payment request information including at least one of the customer information, the customer account information, and the image data information. Based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. In addition, it is preferable to transmit to the branch processing server 500 through the communication network, for this purpose, the customer terminal 585 is provided with at least one encryption key corresponding to the encryption method, and / or at least one or more Have a predetermined public certificate containing an encryption key, and / or the public certificate has a predetermined IC chip (or IC car) ) Is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card) provided in the.

Those skilled in the art should understand the technical characteristics of various encryption schemes for encrypting the giro payment request information and the technical characteristics of attaching a predetermined electronic signature to the giro payment request information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, when the giro payment request information transmitted from the customer terminal 585 is received through the information receiver 515, the giro processing server 500 receives the giro payment request information. And a validity confirming unit 535 (or validity confirming means) for confirming whether validity for image data processing and giro payment processing is satisfied.

According to an embodiment of the present invention, the branch payment request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption method, the validity confirming unit 535 may convert the encrypted giro payment request information into at least one decryption method (eg, a symmetric key based decryption method and / or corresponding to the encryption method). It is preferable to authenticate the validity of the received Giro payment request information by decrypting with a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme.

Alternatively, when a predetermined electronic signature is attached to the giro payment request information, the validity confirming unit 535 confirms the digital signature attached to the giro payment request information, thereby validating the validity of the received giro payment request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted giro payment request information, and technical characteristics of confirming an electronic signature attached to the giro payment request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the giro payment request information received through the information receiving unit 515 further includes a predetermined password for checking the validity of the giro payment request information, the validity confirming unit 535 ) Compares and authenticates the password included in the giro payment request information with a password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received giro payment request information.

Alternatively, when the giro payment request information received through the information receiving unit 515 further includes predetermined security card information for confirming the validity of the giro payment request information, the validity confirming unit 535 may determine the validity. It is preferable to authenticate the validity of the received giro payment request information by comparing and authenticating the received security card information included in the giro payment request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the giro payment request information received through the information receiving unit 515 further includes a predetermined OTP code for confirming the validity of the giro payment request information, the validity confirming unit 535 checks the jiro. By comparing and authenticating the received OTP code included in the payment request information with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, the validity of the received Giro payment request information is verified. It is desirable to authenticate.

According to an exemplary embodiment of the present invention, the validity check of the giro payment request information includes whether at least one ledger information matching the giro payment request information is registered in the ledger D / B on the financial system linked to the giro processing system. It is preferable to include checking.

For example, the validity verification unit 535 is the information contained in the payment request information, the customer information (customer information, personal information, etc.) is sent to the ledger D / B on the financial system associated with the jiro processing system It is desirable to include a check that matches the stored customer ledger.

Referring to FIG. 5, when the validity of the giro payment request information is authenticated through the validity verification unit 535 (or when the giro payment processing is completed), the giro payment is received. The electronic document generating unit 540 (or electronic document generating means) for generating a predetermined branch payment electronic document including the request information, and the generated branch payment electronic document are transmitted to the electronic document repository associated with the branch processing system. It is characterized by comprising an electronic document transmission unit 545 (or electronic document transmission means).

The electronic document generation unit 540 generates a branch payment electronic document including the branch payment request information received from the customer terminal 585 through the information receiving unit 515.

According to an exemplary embodiment of the present invention, the electronic document generator 540 may include at least the customer information, the customer account information, and the image data information included in the giro payment request information received through the information receiver 515. Word that generates at least one document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. Processor file, or a web document file including MHT), it is preferable to process the paper payment electronic document for image data processing and paper payment processing.

Alternatively, the electronic document generation unit 540 may include document content including at least one of customer information, customer account information, and image data information to be paid in the giro payment request information received through the information receiving unit 515. After generating, the document content includes at least one or more of the customer information, the customer account information, and the image data information to the destination to be paid in the watermarking (Watermarking) method, and then includes the watermarking Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is processed into a paper payment electronic document for processing the image data and the paper payment processing. Preferable.

Alternatively, the electronic document generation unit 540 may include document content including at least one of customer information, customer account information, and image data information to be paid in the giro payment request information received through the information receiving unit 515. And generating an image file including image content captured by capturing the document content (e.g., image content generated by capturing the document content on a memory) to the payment target site for image data processing and paper payment processing. It is desirable to process the payment electronic documents.

Alternatively, the electronic document generation unit 540 may include at least one document information including customer information, customer account information, and payment destination image data included in the giro payment request information received through the information receiving unit 515. To the customer information, customer account information, and payment destination included in the giro payment request information in the image content (for example, the image content generated by capturing the document content on a memory) which captured the document content. After including at least one or more information of the image data information in a watermarking (Watermarking) method, the electronic payment document for the image data processing and giro payment processing the image file containing the image content including the watermarking to the payment destination It is preferable to treat with.

According to another exemplary embodiment of the present invention, the electronic document generating unit 540 may transmit the customer information, the customer account information, and the image data information to the target destination of the giro payment request information received through the information receiving unit 515. Generate a document content including at least one or more, and a predetermined document file (e.g., PDF (including image content generated by capturing the document content on a memory) captured by the document content (e.g., A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the paper payment electronic document for processing and payment processing.

Alternatively, the electronic document generation unit 540 may include document content including at least one of customer information, customer account information, and image data information to be paid in the giro payment request information received through the information receiving unit 515. The customer information, the customer account information, and the target destination image included in the giro payment request information to the image contents generated by capturing the document contents (for example, image contents generated by capturing the document contents on a memory). Create image content including at least one or more information of the data information by a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file, or EDI) Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT By generating a web document files, etc.), including, it is preferred that treatment with Giro payment electronic document for the payment destination Jiro image data processing and Giro payment processing.

According to another exemplary embodiment of the present invention, the electronic document generator 540 includes customer information, customer account information, and payment target image data included in the giro payment request information received through the information receiver 515. Generate document content including at least one of the document content, and include image content (eg, image content generated by capturing the document content on a memory) and the branch payment request information. Create a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) By doing so, it is preferable to process the image to be paid into the electronic document for processing the image data and the payment to the paper.

Alternatively, the electronic document generation unit 540 may include document content including at least one of customer information, customer account information, and image data information to be paid in the giro payment request information received through the information receiving unit 515. The customer information, the customer account information, and the target destination image included in the giro payment request information to the image contents generated by capturing the document contents (for example, image contents generated by capturing the document contents on a memory). Create image content including at least one or more information of the data information by a watermarking method, and a document file (eg, PDF (Portable Document Format) including the watermarking image content and the branch payment request information. War) file, or at least one including an EDI (Electronic Data Interchange) file, HWP / DOC, etc. By generating a deprocessor file, or a web document file including the MHT), it is preferable to process the image paying electronic document for the image data processing and the Giro payment processing.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 540, the technical features to generate a giro payment electronic document of the image file format and / or a predetermined document file format, and the giro payment Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 545 transmits and stores the electronic document payment electronic document generated by the electronic document generating unit 540 to a predetermined electronic document repository associated with the Jiro processing system.

As shown in FIG. 5, the electronic document repository is connected to the geoprocessing server 500 on the geoprocessing system with a predetermined electronic document server 560 and an electronic document D / B 580 through a predetermined communication means. When provided externally, the electronic document transmission unit 545 transmits the giro payment electronic document generated by the electronic document generation unit 540 to the electronic document server 560 through the communication means. Characterized in that.

Herein, when the electronic document server 560 and the electronic document D / B 580 are provided outside the giro processing system, the electronic document server 560 and the electronic document D / B 580 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the jiro processing system, the electronic document transmitting unit 545 is the branch generated by the electronic document generating unit 540. It is possible to store the paid electronic document in the electronic document D / B 580 corresponding to the electronic document storage on the DBMS provided in the jiro processing system, whereby the present invention is not limited.

According to the embodiment of the present invention, the electronic document transmission unit 545 inputs electronic document related information (for example, the giro payment request information) for generating predetermined electronic document management information in the electronic document server 560 ( The customer information, and / or financial institution information for transmitting the electronic payment document, and / or electronic document file format information, and / or the information for requesting payment for the payment, etc.). It is possible to transmit to, by which the present invention is not limited.

Referring to FIG. 5, the giro processing server 500 performs the giro payment request information received through the information receiving unit 515 through the validity confirming unit 535 to perform image data processing and giro payment processing. When the validity for the authentication is authenticated, the information storage unit for storing the information stored in the predetermined storage medium 555 by linking the customer information, the customer account information, the image data to the destination to be paid included in the giro payment request information is validated ( 550 (or the information storage unit 550).

When the validity of the giro payment request information is confirmed by the validity confirming unit 535, the information storage unit 550 is the customer information, customer account information, payment target geo image data information included in the giro payment request information The storage medium 555 may be stored in the storage medium 555, and the storage medium 555 may be provided in the processing server 500 or on a network associated with the processing server 500. In this case, the information storage unit 550 is preferably stored in the storage medium 555 by integrating the customer information, the customer account information, the image data information to the destination to be paid in the received giro payment request information. When the storage medium 555 is provided in a DBMS provided on a financial system, the information storage unit 550 includes customer information and customer account included in the received giro payment request information. An image data information Giro payment destination through the FEP system on the financial system provided to step information, and is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 5, an electronic document server which receives a predetermined branch payment electronic document from the branch processing server 500 provided on the branch processing system 500 and stores and manages it in the predetermined electronic document D / B 580 ( The electronic document receiver 565 (or electronic document receiving means) for receiving a predetermined branch payment electronic document from the branch processing server 500 through a predetermined communication means, and the received branch payment electronic document. An information generation unit 570 (or information generating means) for generating predetermined electronic document management information for storage and management in the electronic document D / B 580, and the electronic document management information and the branch payment electronic document. And an electronic document storage unit 575 (or electronic document storage means) for linking and storing in a predetermined electronic document D / B 580.

The electronic document receiving unit 565 may receive a Jiro payment electronic document in the form of an image file and / or a document file from the Giro processing server 500 through the communication means.

According to one embodiment of the present invention, the branch payment electronic document received by the electronic document receiving unit 565 through the communication means is the branch payment request information received by the branch processing server 500 from the customer terminal 585. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a document file) containing document contents including at least one of customer information, customer account information, and image data information to be paid. And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the giro payment electronic document received by the electronic document receiving unit 565 through the communication means includes customer information and customer included in the giro payment request information received by the giro processing server 500 from the customer terminal 585. Watermarking at least one or more of customer information, customer account information, and payment destination image data information included in the payment request information into document contents including at least one of account information and payment destination image data information. After including in a manner, at least one word including a document file (eg, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content including the watermarking Processor file, or a web document file including MHT).

Alternatively, the giro payment electronic document received by the electronic document receiving unit 565 through the communication means includes customer information and customer included in the giro payment request information received by the giro processing server 500 from the customer terminal 585. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of account information and image data information to a payment destination. It is preferable.

Alternatively, the giro payment electronic document received by the electronic document receiving unit 565 through the communication means includes customer information and customer included in the giro payment request information received by the giro processing server 500 from the customer terminal 585. The image content (e.g., image content generated by capturing the document content on a memory) captured by document content including at least one of account information and image data information to a payment destination is included in the branch payment request information. Preferably, at least one or more of the customer information, the customer account information, and the image data information to be paid is included in a watermarking method, and then includes an image file including the image contents including the watermarking.

According to another embodiment of the present invention, the giro payment electronic document received by the electronic document receiving unit 565 through the communication means is a giro payment request received by the giro processing server 500 from the customer terminal (585). Image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, customer account information, and image data information included in the information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the giro payment electronic document received by the electronic document receiving unit 565 through the communication means includes customer information and customer included in the giro payment request information received by the giro processing server 500 from the customer terminal 585. The image content (e.g., image content generated by capturing the document content on a memory) captured by document content including at least one of account information and image data information to a payment destination is included in the branch payment request information. A document file including image information including at least one of customer information, customer account information, and at least one of image data information to a payment destination by a watermarking method, and including image content including the watermarking (eg, , Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

According to another exemplary embodiment of the present invention, the branch payment electronic document received by the electronic document receiving unit 565 through the communication means is the branch payment received by the branch processing server 500 from the customer terminal 585. Image content (e.g., image content generated by capturing the document content on the memory) which captures document content including at least one of customer information included in the request information, customer account information, and image data information to the payment destination. And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one document file including the branch payment request information, or an MHT. It is preferable that the web document file including a).

Alternatively, the giro payment electronic document received by the electronic document receiving unit 565 through the communication means includes customer information and customer included in the giro payment request information received by the giro processing server 500 from the customer terminal 585. The image content (e.g., image content generated by capturing the document content on a memory) captured by document content including at least one of account information and image data information to a payment destination is included in the branch payment request information. Generate image content including at least one or more of the customer information, the customer account information, and the image data information to the destination to be watermarked, and include the image content including the watermarking and the giro payment request information. A document file (e.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file, Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

The information generating unit 570 is a predetermined electronic document unique number (or unique information) to be assigned to the branch payment electronic document received through the electronic document receiving unit 565, and the branch through the electronic document receiving unit 565. And generating electronic document management information including electronic document storage date and time information including a date and time at which a payment electronic document was received (or a date and time at which the payment electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 570 refers to the branch payment electronic document by referring to the branch processing server 500 that transmits the branch payment electronic document received through the electronic document receiving unit 565. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the giro processing server 500 through the electronic document receiving unit 565, the information generating unit 570 receives the received information. Electronic document-related information (e.g., customer information sent by inputting (selecting) the giro payment request information, and / or financial institution information transmitting the giro payment electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the branch payment request information).

The electronic document storage unit 575 processes the electronic document management information generated through the giro payment electronic document received through the electronic document receiving unit 565 and the electronic document management information generated by the information generating unit 570 in a predetermined electronic document D /. And store in B580.

According to the exemplary embodiment of the present invention, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is the branch processing server 500 from the customer terminal 585. A document file (eg, a Portable Document Format (PDF) file, or an EDI (Electronic) file containing document content including at least one or more of customer information, customer account information, and image data information to be paid) included in the received giro payment request information. Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is based on the branch payment request information received by the branch processing server 500 from the customer terminal 585. At least one or more of customer information, customer account information, and payment destination image data information included in the payment request information in document content including at least one of included customer information, customer account information, and payment destination image data information. And a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing document content including the watermarking after the watermarking method. And at least one word processor file or at least one web document file including the MHT.

Alternatively, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is based on the branch payment request information received by the branch processing server 500 from the customer terminal 585. Image data captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one of included customer information, customer account information, and image data information to a payment destination. It is preferable to include an image file.

Alternatively, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is based on the branch payment request information received by the branch processing server 500 from the customer terminal 585. Image content (eg, image content generated by capturing the document content on a memory) captured by the document content including at least one or more of the included customer information, the customer account information, and the payment destination. After including at least one of the customer information, the customer account information, the image data information to the payment destination in the watermarking method included in the payment request information, and includes an image file including the image content including the watermarking It is preferable to make it.

According to another exemplary embodiment of the present invention, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is the branch processing server 500 by the customer terminal 585. Image content (e.g., capturing the document content on the memory by capturing document content including at least one of customer information, customer account information, and image data information to the destination to be paid) A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT; Web document files, etc.) to be included.

Alternatively, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is based on the branch payment request information received by the branch processing server 500 from the customer terminal 585. Image content (eg, image content generated by capturing the document content on a memory) captured by the document content including at least one or more of the included customer information, the customer account information, and the payment destination. Generate image content including at least one or more of the customer information included in the payment request information, the customer account information, and the image data information to the payment destination by watermarking, and include the image content including the watermarking. At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) file. Or a web document file including the MHT or the like.

According to another exemplary embodiment of the present invention, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is the branch processing server 500 by the customer terminal 585. Image content (e.g., capturing the document content on a memory) which captures document content including at least one of customer information, customer account information, and image data information to be paid in the giro payment request information received from And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content generated by using the above information and the branch payment request information. Word processor files, or web document files containing MHT).

Alternatively, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is based on the branch payment request information received by the branch processing server 500 from the customer terminal 585. Image content (eg, image content generated by capturing the document content on a memory) captured by the document content including at least one or more of the included customer information, the customer account information, and the payment destination. Generating image content including at least one or more of the customer information included in the payment request information, the customer account information, and the image data information to the payment destination by watermarking, and the image content including the watermarking and the A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing information for requesting payment of Giro, Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 580 by the electronic document storage unit 575 in association with the electronic payment document is stored in the electronic payment document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 580 by the electronic document storage unit 575 in association with the branch payment electronic document is stored in the branch payment electronic document. It is preferable that the financial institution further includes information on the financial institution that has transmitted the electronic payment document confirmed with reference to the giro processing server 500 that transmits the.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the giro processing server 500, the electronic document storage unit 575 processes the electronic document by linking with the giro payment electronic document. The electronic document management information stored in the document D / B 580 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the branch payment request information, and / or the branch payment electronic document). Financial institution information, and / or electronic document file format information, and / or giro payment request information, etc.).

FIG. 6 is a diagram illustrating a process of processing image data into a payment target branch and a branch payment process according to an exemplary embodiment of the present invention.

In more detail, Figure 6, when receiving the image data to the payment destination from the wireless terminal shown in Figure 1, extracts the number, payer information, amount information included in the image data of the received payment destination, After confirming whether the payment is made on the basis of the extracted giro on the basis of the extracted giro number, payer information, and the amount of information, a process of transmitting a giro inquiry result corresponding to the image data of the transferred giro to the wireless terminal is performed. As illustrated, those having ordinary technical knowledge in the art to which the present invention pertains can deduce various implementation methods for the process of processing the image data and the giro payment to the payment target paper by referring to and modifying the drawing 6. It will be appreciated that the present invention includes all implementation methods inferred from the above, and that only the implementation method illustrated in FIG. It shall be defined.

Hereinafter, in FIG. 6, the wireless terminal shown in FIG. 1 will be referred to as a “terminal” for convenience, and a relay server for processing image data to the payment destination shown in FIG. 4 will be referred to as a “server” for convenience.

Referring to FIG. 6, the terminal accesses a server through a communication network to transmit a communication channel for transmitting image data to a payment destination (600), and the image data of the payment destination to the server through the communication channel. Obtain and transmit (605).

Here, the method for transmitting the image data for the destination to be paid, it is preferable to transmit using a Multimedia Message Service (MMS) in the wireless terminal.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the method and / or process for receiving image data to the destination of payment through the communication network, so the detailed description thereof is for convenience. Omit.

Thereafter, the server reads image data of the payment target branch received from the terminal to check whether the at least one description area is readable.

If, as a result of reading the image data of the target to be paid, it is impossible to read at least one of the description areas (615), the server generates error information about the impossible to read the image data of the received target to the destination (or Extract 620 and transmit one or more callback UELs to the terminal to input the generated (or extracted) error information and information necessary for inquiry about the payment target branch (625).

On the other hand, if it is possible to read one or more description areas of the image data reading result of the payment target branch (615), the server reads the description area on the received image data to identify one or more information (630), The at least one piece of information is provided to the server managing the branch connected through the communication network with the server to request an inquiry about the branch to be paid (635).

According to an exemplary embodiment of the present invention, a method for identifying an area in which the giro number, the payer information, the amount information, and the like on the image data of the received payment target image is written, respectively, recognizes one or more characters included in the image data. In addition, it is preferable to check a region in which the received giro number, payer information, amount information, etc. of the received target giro are described, and 2D or 3D barcodes, marks, etc. may be recognized according to the intention and purpose of those skilled in the art.

According to another exemplary embodiment of the present invention, a method for identifying an area in which the number of the Giro, the payer information, and the amount of the information on the image data of the received payment target image is written may include at least one character at a designated position on the image data. It is preferable to check the area in which the number, the payer information, the amount information, etc. of the received payment target giro is confirmed.

Here, it is preferable that the designated position on the image data is a position on the giro paper designated by a plurality of financial institutions (or by an institution managing the giro).

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the technical characteristics of the character recognition method and / or process for recognizing the branch number, the payer information, the amount of money information, etc. for the image data of the destination to be paid Since it will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server receives a giro inquiry result corresponding to the giro inquiry request from the server for the inquiry of the giro (640), and transmits the received giro inquiry result to the terminal to display the screen output device provided on the terminal. Process to output through (645).

According to the implementation method of the present invention, the inquiry processing for the payment target giro transmits the confirmed giro number, payer information, amount of money information, etc. to the server managing the giro, and querying the giro from the server managing the giro. It is desirable to receive the result information.

According to another embodiment of the present invention, the inquiry processing for the payment target giro is, if the relay server is a giro issuing agency (or a giro management agency) server, the confirmed giro number, payer information, amount of money It is desirable to search the database provided on the relay server based on the information and to generate the giro search result information.

FIG. 7 is a diagram illustrating a process of processing image data and a payment method to a payment destination branch according to another exemplary embodiment of the present invention.

In more detail, when FIG. 7 receives image data from the wireless terminal shown in FIG. 1 to the payment target location, the figure extracts the number, payment information, and amount information included in the image data of the received payment destination. After confirming whether the payment is made on the basis of the extracted giro on the basis of the extracted giro number, payer information, and the amount of information, a process of transmitting a giro inquiry result corresponding to the image data of the transferred giro to the wireless terminal is performed. As illustrated, those having ordinary technical knowledge in the art to which the present invention pertains can deduce various implementation methods for the process of processing the image data and the giro payment process by referring to and modifying the drawing 7 and the payment target paper. It will be appreciated that the present invention encompasses all implementation methods inferred from the above, and that only the implementation method illustrated in FIG. It shall be defined.

Hereinafter, in FIG. 7, the wireless terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and a relay server for processing image data to the payment destination shown in FIG. 4 is referred to as a “server” for convenience.

Referring to FIG. 7, the terminal receives a callback UEL providing a user interface for inputting information required for a Jiro inquiry from a server through a communication channel (700), and sends a callback UEL to the server through the received callback UEL. A user interface for inputting necessary information is requested (705).

Thereafter, the server generates (or extracts) a user interface for inputting information required for the search for giro, and transmits the output to the terminal through the communication channel (710), and correspondingly, the terminal receives the received message. The user interface checks the input of information required for the giro inquiry (715).

If the information required for the giro inquiry is input through the user interface (720), the terminal transmits the information necessary for the giro inquiry input through the user interface to the server (725).

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the technical characteristics of the method and / or process for receiving and inputting the gyro number, payer information, amount information, etc. Since it will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server transmits one or more pieces of information received in response to the payment target branch to the server managing the branch, requesting inquiry (730), and correspondingly, the branch of the branch is requested from the server managing the branch. After receiving the inquiry result (735), the received giro inquiry result is transmitted to the terminal (740).

According to the implementation method of the present invention, the inquiry processing for the payment target giro transmits the received giro number, payer information, amount information, etc. to the server managing the giro, and the giro from the server managing the giro. It is preferable to receive the inquiry result information.

According to another embodiment of the present invention, the inquiry processing for the payment target giro is the received giro number, payer information, and amount of money if the relay server is a Giro issuing agency (or Giro management agency) server that issued the giro. It is desirable to search the database provided on the relay server based on the information and to generate the giro search result information.

8A and 8B illustrate a process of registering giro payment request information in a non-face-to-face manner for processing image data and giro payment in accordance with an embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a web server in which a client terminal 585 on the geoprocessing system shown in FIG. 5 is a client terminal, and the geoprocessing server 500 is accessible to a client terminal through a predetermined communication network. In the case of having a function, a predetermined customer includes at least one of customer information, customer account information, and payment destination image data through the client terminal for processing the image data and the payment process to the destination to be paid. When the payment request information is provided, the giro processing system generates a predetermined giro payment electronic document including the provided giro payment request information and stores it in a predetermined electronic document storage, and the customer information included in the giro payment request information. By linking image data information to customer account information and payment destination An embodiment of the present invention relates to a storage medium 555, and those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 8a and 8b. Although various implementation methods for registering the giro payment request information may be inferred at 500, the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 8A and 8B. .

For example, in the method shown in FIGS. 8A and 8B, the client terminal inputs (or selects) the giro payment request information through a predetermined web page provided by the giro processing server 500. Although illustrated as being received, when the predetermined terminal processing program is provided in the client terminal, the user interface may not be provided from the processing server 500, and the present invention is not limited thereto.

In the following FIGS. 8A and 8B, the client terminal shown in FIG. 5 is referred to as a “terminal” for convenience, and the branch processing server 500 shown in FIG. 5 is referred to as a “server” for convenience. The customer information, the customer account information, and the payment target image data transmitted to the branch processing server 500 are referred to as "jiro payment request information" for convenience.

Referring to FIGS. 8A and 8B, the client terminal illustrated in FIG. 5 is a predetermined communication network (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA). And / or a predetermined communication channel by connecting to the server through a mobile network (and / or an HSDPA-based) mobile network, and / or an IEEE 802.16x-based portable Internet, and / or an IEEE 802.11x-based wireless LAN). When requesting a web page including a user interface for processing a giro image data and a giro payment process (800), the server correspondingly includes at least one of the customer information, the customer account information, and the payment target image data. Generate (or add) a web page including a user interface for inputting (or selecting) information for requesting payment of giro payments and transmitting it to the server. In operation 810, the web page including the generated user interface (or extracted) through the communication network is transmitted to the terminal and output (810).

According to an embodiment of the present invention, it is preferable that the process of transmitting and / or outputting the web page from the server to the terminal is performed at least once according to the procedure for registering the giro payment request information, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) giro payment request information including image data information to at least one or more customer information, customer account information, and payment destination through the user interface included in the web page (815).

If the terminal inputs (or selects) the giro payment request information including the customer information, the customer account information, and the payment target location image data information through the user interface (820), the terminal transmits the information through the communication channel. Input (or selected) the customer information, customer account information, and the image data information to the payment destination is transmitted to the server (825).

According to an embodiment of the present invention, the terminal checks the validity of the giro payment request information in the server to the giro payment request information including at least one of the customer information, the customer account information, the payment destination map image data information. It is preferable to further include at least one or more predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator to the server via the communication network.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for giro payment request information including at least one or more of the customer information, the customer account information, and the image data information to be paid. And / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.), and / or attach a predetermined electronic signature to the payment request information. It is preferable to transmit to the server through a communication network, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key. And / or the IC chip (or IC card) is provided on a predetermined IC chip (or IC card), It is preferably provided with a card reader for identifying the certificate provided in the IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for giro payment request information including at least one or more of the customer information, the customer account information, and the image data information to be paid. And / or a public key-based encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the communication network. Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If provided, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided. Is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the giro payment request information and technical features of attaching a predetermined electronic signature to the giro payment request information. Since it will be understood, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information, the customer account information, and the image data information to the payment target site through the communication channel to check the validity of the payment request information (830).

According to an embodiment of the present invention, the branch payment request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the server may include the at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received Giro payment request information.

Alternatively, when a predetermined electronic signature is attached to the branch payment request information, the server may verify the validity of the received branch payment request information by checking the electronic signature attached to the branch payment request information. .

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted giro payment request information, and technical characteristics of confirming an electronic signature attached to the giro payment request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the giro payment request information received through the information receiving unit 515 further includes a predetermined password for confirming the validity of the giro payment request information, the server may send the giro payment. It is preferable to authenticate the validity of the received giro payment request information by comparing and authenticating a password included in the request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the giro payment request information received through the information receiving unit 515 further includes predetermined security card information for confirming the validity of the giro payment request information, the server may include the giro payment request information. It is preferable to authenticate the validity of the received giro payment request information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the giro payment request information received through the information receiving unit 515 further includes a predetermined OTP code for checking the validity of the giro payment request information, the server is included in the giro payment request information. It is preferable to authenticate the validity of the received Giro payment request information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. .

According to an exemplary embodiment of the present invention, the validity check of the giro payment request information includes whether at least one ledger information matching the giro payment request information is registered in the ledger D / B on the financial system linked to the giro processing system. It is preferable to include checking.

For example, the validity verification unit 535 is the information contained in the payment request information, the customer information (customer information, personal information, etc.) is sent to the ledger D / B on the financial system associated with the jiro processing system It is desirable to include a check that matches the stored customer ledger.

In addition, the validation of the giro payment request information is

It is preferable to include at least one.

If the validity of the giro payment request information is not authenticated (835), the server generates a web page including predetermined information registration error information and transmits the web page to the terminal (840) and corresponds to the giro payment request information. Do not perform the information registration procedure.

On the other hand, if the validity of the giro payment request information is authenticated (835), the server includes predetermined document content including at least one or more customer information including the giro payment request information, customer account information, and image data information to be paid. In operation 845, a predetermined branch payment electronic document including the document content is generated in operation 850.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and the document content. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to process as a payment document electronic document for processing the image data and the payment process to the payment destination.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and the giro payment request information in the document content. After the watermarking method includes at least one or more of the customer information, the customer account information, and the image data information to the payment destination included in the document file (eg, PDF) A portable document format (EDI) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process it as a payment electronic document for payment processing.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and captures the document content. It is preferable to process an image file including contents (e.g., image contents generated by capturing the document contents on a memory) into a paper payment electronic document for image data processing and paper payment processing.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and captures the document content. Watermarking at least one or more of the customer information, the customer account information, and the image data information to the destination to be paid in the content (for example, image content generated by capturing the document content in memory). After the method is included, the image file including the image content including the watermarking is processed into a payment document electronic document for processing image data and payment payment to the payment destination.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and the document. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an electronic data interchange (EDI) file) including image content (e.g., image content generated by capturing the document content on a memory). File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to process the image payment to the payment destination and the electronic payment document for payment to the payment. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and captures the document content. Watermarking at least one or more of the customer information, the customer account information, and the image data information to the destination to be paid in the content (for example, image content generated by capturing the document content in memory). To generate an image content including an image content, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking. Create a word processor file containing at least one, or a web document file containing the MHT, etc.) Writing, it is preferred that treatment with Giro payment electronic document for the payment destination Jiro image data processing and Giro payment processing.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information. A predetermined document file (e.g., a Portable Document Format (PDF) file) including image content (e.g., image content generated by capturing the document content on a memory) and document payment request information; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the electronic document for payment.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and captures the document content. Watermarking at least one or more of customer information included in the giro payment request information, customer account information, and image data information to the destination to be paid to contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including the image content and including the watermarking image content and the branch payment request information (eg, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or A word processor file including at least one of HWP / DOC, or the like, or including MHT By creating a document file, and so on), it is preferred that treatment with Giro payment electronic document for the payment destination Jiro image data processing and Giro payment processing.

Those skilled in the art to which the present invention pertains are provided with the technical features of the server generating a giropayment electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the giropayment electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated giro payment electronic document in a predetermined electronic document storage (855).

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 560 and an electronic document D / B 580 connected to a server on the giro processing system through predetermined communication means. When provided, the server preferably transmits the generated giro payment electronic document to the electronic document server 560 through the communication means to store in the electronic document D / B (580).

Or, if the electronic document storage is provided on a DBMS provided in the giro processing system, the server is the electronic document storage corresponding to the electronic document storage on the DBMS provided in the giro processing system It is possible to store in the D / B 580, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the branch payment electronic document in the electronic document storage is performed by linking the generated branch payment electronic document and predetermined electronic document management information to the electronic document D shown in FIG. It is preferable to include storing in / B (580).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the branch payment electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the payment electronic documents.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the giro payment request information and / or financial institution information transmitting the giro payment electronic document), and / Or electronic document file format information, and / or the branch payment request information).

If the giro payment electronic document is stored in the electronic document repository (860), the server stores the predetermined information by linking the customer information, the customer account information, and the image data information to the target payment site included in the giro payment request information. Stored in the medium 555 (865), predetermined information registration history information (e.g., the history of storing the giropayment electronic document in the electronic document storage, and / or the giropayment request information in the storage medium 555) Generating (or extracting) the information stored therein and transmitting the same to the terminal (870).

According to an embodiment of the present invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the geoprocessing system (or associated with the geoprocessing system), wherein the storage medium 555 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 555 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the geoprocessing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

9A, 9B, and 9C illustrate a process of registering giro payment request information through a non-face-to-face financial transaction channel for image data processing and giro payment processing according to an embodiment of the present invention.

9A, 9B, and 9C are described in detail when the geoprocessing system illustrated in FIG. 5 is realized through an internet banking system among non-face-to-face financial transaction channels (i.e. In the case where the processing server 500 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. And when the client terminal transmits predetermined payment request information for image payment processing and payment payment to the Internet banking server to the Internet banking server, the predetermined payment path including the received payment request information is received from the Internet banking server. The payment electronic document is generated and stored in a predetermined electronic document repository, and the notice included in the giro payment request information. An embodiment of the present invention relates to a method of linking image data information to customer information, customer account information, and payment destination, and storing the image data information in a predetermined storage medium 555. 9a and 9b and 9c may be inferred by various implementation methods for registering the payment request information through different types of non-face-to-face financial transaction channels by referring to and / or modifying the present invention. A method is included and is not limited to the embodiment shown in FIGS. 9A, 9B, and 9C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A, 9B, and 9C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering giro payment request information between the client terminal and the internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9a, 9b, and 9c. And Internet Banking Server Corp Therefore, the implementation method of connecting the Internet banking-based financial transaction channel for registering the payment request information may be inferred, but the present invention includes the provided Internet banking-based financial transaction based on the Internet banking program, whereby The present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, In another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering payment request information may be inferred. The present invention includes all types of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 9A, 9B and 9C.

9A, 9B, and 9C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the branch processing server 500 is referred to as " server "

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (915a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (930a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by using an encryption algorithm), the terminal may verify the electronic signature and / or the encryption method (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the same), and the information to be provided to the server for registering giro payment request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is also provided from the terminal to the server for registration of giro payment request information. Attach certain electronic signatures to information (or data) and / or at least one or more When the encryption is transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or an encryption algorithm) corresponding to the encryption method (and / or encryption algorithm). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined branch payment request information for image data processing and branch payment processing from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for processing image data and payment for payment to the destination through the internet banking-based financial transaction channel (900b), the server correspondingly Generate (or extract) a web page including a user interface for inputting (or selecting) payment request information including at least one of customer information, customer account information, and image data information to the destination to be transmitted to the server; In operation 905b, the webpage including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel and output in operation 910b.

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) giro payment request information including at least one of customer information, customer account information, and image data information to the target of payment. Preferably, and / or in order to verify the validity of the internet banking customer requesting to register the giro payment request information (e.g., issued to the customer during the internet banking application process). The security card information printed on the security card) and / or one time password (OTP) (e.g., through the internet banking application process (or after the internet banking application) through an OTP authenticator (or OTP certification program) provided to the customer by a financial institution. It is preferable to further include a user interface for inputting the generated one-time password).

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the giro payment request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the giro payment request information including at least one of the customer information, the customer account information, and the image data information to the target of the payment through the giro payment request interface (915b).

If the terminal inputs (or selects) the payment request information including the customer information, the customer account information, and the payment target location image data information through the user interface (920b), the terminal transmits the information through the financial transaction channel. The input (or selected) branch payment request information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal checks the validity of the giro payment request information in the server to the giro payment request information including at least one of the customer information, the customer account information, the payment destination map image data information. It is preferable to further include at least one or more predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator to the server via the communication network.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for giro payment request information including at least one or more of the customer information, the customer account information, and the image data information to be paid. And / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the branch payment request information. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, And / or when the official certificate is provided on a predetermined IC chip (or IC card), the IC chip (and The IC card is preferably provided with a card reader for checking the official certificate provided.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for displaying payment request information including at least one of the customer information, the customer account information, and the image data information. And / or a public key-based encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the communication network. Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If provided, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided It is preferable.

Those skilled in the art should understand the technical characteristics of various encryption schemes for encrypting the giro payment request information and the technical characteristics of attaching a predetermined electronic signature to the giro payment request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the branch payment request information through the financial transaction channel to check the validity of the branch payment request information (930b).

According to an embodiment of the present invention, the branch payment request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., it is preferable to authenticate the validity of the received Giro payment request information.

Alternatively, when a predetermined electronic signature is attached to the branch payment request information, the server may verify the validity of the received branch payment request information by checking the electronic signature attached to the branch payment request information. .

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted giro payment request information, and technical characteristics of confirming an electronic signature attached to the giro payment request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the giro payment request information received through the information receiving unit 515 further includes a predetermined password for confirming the validity of the giro payment request information, the server may send the giro payment. It is preferable to authenticate the validity of the received giro payment request information by comparing and authenticating a password included in the request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the giro payment request information received through the information receiving unit 515 further includes predetermined security card information for confirming the validity of the giro payment request information, the server may include the giro payment request information. It is preferable to authenticate the validity of the received giro payment request information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the giro payment request information received through the information receiving unit 515 further includes a predetermined OTP code for checking the validity of the giro payment request information, the server is included in the giro payment request information. It is preferable to authenticate the validity of the received Giro payment request information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. .

According to an exemplary embodiment of the present invention, the validity check of the giro payment request information includes whether at least one ledger information matching the giro payment request information is registered in the ledger D / B on the financial system linked to the giro processing system. It is preferable to include checking.

For example, the validity verification unit 535 is the information contained in the payment request information, the customer information (customer information, personal information, etc.) is sent to the ledger D / B on the financial system associated with the jiro processing system It is desirable to include a check that matches the stored customer ledger.

In addition, the validation of the giro payment request information is

It is preferable to include at least one.

If the validity of the giro payment request information is not authenticated (935b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (940b), corresponding to the giro payment request information Do not perform the information registration procedure.

On the other hand, if the validity of the giro payment request information is authenticated (935b), the server includes predetermined document content including at least one or more customer information including the giro payment request information, customer account information, and image data information to be paid. In operation 945b, a predetermined branch payment electronic document including the document content is generated in operation 950c.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and the document content. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to process as a payment document electronic document for processing the image data and the payment process to the payment destination.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and transmits the document content to the giro payment request information. After including at least one or more of the included customer information, customer account information, image data information to the payment destination watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable) Image data processing and giropayment of the Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the paper payment electronic document for processing.

Alternatively, the server generates document content including at least one of customer information, customer account information, and image data information to be paid in the received giro payment request information, and captures the document content. It is preferable to process an image file including image content (eg, image content generated by capturing the document content on a memory) into a paper payment electronic document for image data processing and paper payment processing.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and captures the document content. Watermarking at least one or more of customer information included in the giro payment request information, customer account information, and image data information to the destination to be paid to contents (for example, image contents generated by capturing the document contents on a memory). After including in a manner, it is preferable to process an image file including the image content including the watermarking into a payment document electronic document for processing the image data and the payment process to the payment destination.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and the document. A predetermined document file (e.g., a Portable Document Format (PDF) file, or an electronic data interchange (EDI) file) including image content (e.g., image content generated by capturing the document content on a memory). File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to process the image payment to the payment destination and the electronic payment document for payment to the payment. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and captures the document content. Watermarking at least one or more of customer information included in the giro payment request information, customer account information, and image data information to the destination to be paid to contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including the image content, and at least a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the image content including the watermarking. Create a word processing file containing one or more, or a web document file containing MHT). Writing, it is preferred that treatment with Giro payment electronic document for the payment destination Jiro image data processing and Giro payment processing.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content (eg, image content generated by capturing the document content on a memory) and the branch payment request information. , Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to process it as a payment electronic document.

Alternatively, the server generates document content including at least one of customer information, customer account information, and payment target image data included in the received giro payment request information, and captures the document content. Watermarking at least one or more of customer information included in the giro payment request information, customer account information, and image data information to the destination to be paid to contents (for example, image contents generated by capturing the document contents on a memory). Generating an image content including the image content and including the watermarking image content and the branch payment request information (eg, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or A word processor file including at least one of HWP / DOC, or the like, or including MHT As hameu produce a document file and the like), it is preferred to process the Giro payment destination to Giro payment electronic document for image data processing and Giro payment processing.

Those skilled in the art to which the present invention pertains are provided with the technical features of the server generating a giropayment electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the giropayment electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated giro payment electronic document in a predetermined electronic document storage box (955c).

As shown in FIG. 5, the electronic document repository includes a predetermined electronic document server 560 and an electronic document D / B 580 connected to a server on the giro processing system through predetermined communication means. When provided, the server preferably transmits the generated giro payment electronic document to the electronic document server 560 through the communication means to store in the electronic document D / B (580).

Or, if the electronic document storage is provided on a DBMS provided in the giro processing system, the server is the electronic document storage corresponding to the electronic document storage on the DBMS provided in the giro processing system It is possible to store in the D / B 580, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the branch payment electronic document in the electronic document storage is performed by linking the generated branch payment electronic document and predetermined electronic document management information to the electronic document D shown in FIG. It is preferable to include storing in / B (580).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the branch payment electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the payment electronic documents.

Further, the electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the giro payment request information and / or financial institution information transmitting the giro payment electronic document), and / Or electronic document file format information, and / or the branch payment request information).

If the branch payment electronic document is stored in the electronic document repository (960c), the server stores the predetermined information by linking the customer information, the customer account information, and the image data information to the destination of the payment included in the branch payment request information. Stored in the medium 555 (965c), predetermined information registration history information (e.g., the history of storing the giro payment electronic document in the electronic document storage, and / or the giro payment request information in the storage medium 555). Generating (or extracting) the information stored therein and transmitting the same to the terminal (970c).

According to an embodiment of the present invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the geoprocessing system (or associated with the geoprocessing system), wherein the storage medium 555 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 555 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the geoprocessing system, and / Or it may be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

According to the present invention, upon receiving a notice to be paid by Giro, after reading the notice taken by the mobile phone camera, and checking the Giro number, payer information, amount information, etc., and providing a financial transaction service using a mobile phone. By doing so, there is an advantage of eliminating the hassle of visiting financial institutions.

According to the present invention, when the mobile phone is processed through the giro, by storing whether the giro payment on the mobile phone memory, there is an advantage that the customer can later search / confirm this.

Claims (6)

Receiving, by the user requesting the payment of the giro, the image data of the target payment site through the wireless terminal, and transmitting the image data to the server; Identifying a giro payment history description region on the image data of the received target giro, and extracting a giro payment history-a giro number, a payer information, and an amount of money information described in the giro payment history description region; And transmitting the extracted giro payment details to the wireless terminal. The method of claim 1, And requesting payment of the payment through the wireless terminal that has received the payment details of the payment target for the payment target, using the VM (Virtual Machine) or the financial IC chip provided in the wireless terminal. Giro payment method using a wireless terminal. The method of claim 2, When the giro payment is completed in response to the giro payment request, the giro payment method using the wireless terminal, characterized in that further comprising the step of storing the electronic payment details in the mobile phone or electronic document storage. The method of claim 1, Identifying the giro payment history description area on the image data for the received payment target giro, and extracting the information for the giro payment described in the giro payment history description area, If the giro payment history entry area on the image data for the received target giro is not confirmed, a callback URL for inputting information described in the giro payment history entry area on the payment target giro is input to the wireless terminal. Giro payment method using a wireless terminal, characterized in that further comprising; transmitting. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for receiving, when the user requesting the payment of giro, obtains the image data of the payment target site through the wireless terminal, and transmits the image data to the server; Means for confirming the giro payment details description area on the image data for the received payment target giro, and extracting the giro payment details-the giro number, the payer information, the amount information-described in the giro payment details description area; And a means for transmitting the extracted branch payment details to the wireless terminal.

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