KR20100027655A - System and method for processing giro payment searching and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for processing Giro payment searching and a recording medium for the same are provided to enable a client to conveniently pay a tax without visiting a financial organization or making a call to a call center by providing a Giro image corresponding to a tax receipt. CONSTITUTION: A storage medium(155) stores Giro image contents and Giro payment information, Giro payment receipt when a client pays a tax, wherein the Giro image contents are scanned from a giro payment receipt. An information reception unit(825) receives Giro search information and the client identification information through a Giro search interface. A Giro image searcher(840) confirms the client identification information and the Giro image contents matched with the client identification information.

Description

System and Method for Processing Giro Payment Searching and Recording Medium}

1 is a diagram illustrating a giro payment system using a branch of a financial institution (or a collection institution, or a collection institution) according to an embodiment of the present invention.

2A and 2B are diagrams illustrating a payment process based on a financial institution (or a storage institution, or a collection institution) window for searching a branch according to an exemplary embodiment of the present invention.

3A and 3B are diagrams illustrating a payment process based on a financial institution (or a storage institution, or a collection institution) window for searching a branch according to another exemplary embodiment of the present invention.

4A and 4B are diagrams illustrating a process of paying a Giro branch based on a financial institution (or a storage institution, or a collection institution) window for searching a jiro according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a branch payment system using an automated device according to an exemplary embodiment of the present invention.

6A and 6B are diagrams illustrating an automated device-based Jiro payment process for searching a Jiro according to an embodiment of the present invention.

7A and 7B are diagrams illustrating an automated device-based Jiro payment process for searching a Jiro according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a giro payment search system according to an embodiment of the present invention.

9 is a diagram illustrating a payment request request process according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a paid branch search process using customer identification information and branch search information according to an exemplary embodiment of the present invention.

11 is a diagram illustrating a payment request request process according to another embodiment of the present invention.

12 is a diagram illustrating a paid branch search process using customer identification information and branch search information according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: window terminal 105: Giro payment server

155: storage medium 500: automated equipment

800: customer terminal 805: Giro payment search server

825: information receiving unit 830: customer authentication unit

835: Giro (or bill payment) image confirmation unit 840: Giro (or bill payment) image provider

According to the present invention, when a customer pays a giro (or utility bill) through a financial institution (or a receiving institution, or a collection institution) branch window or an automated device, the branch scans the payment receipt through the branch paper or the automated device. Or paying bills) storing the contents of the giro payments corresponding to the results of the giro payments in a storage medium in association with the customer identification information, and when the customer requests the giro payment details through the customer terminal, Processing to output a search interface by inputting search information corresponding to the customer identification information and the payment history information, including at least one of billing institution information, payment amount information, and payment period information; Receiving the customer identification information and the Jiro search information input through the Jiro search interface from the terminal Identifying one or more branches (or bill payments) image contents associated with the customer identification information in association with the storage identification information and matching the search information with the storage medium; and the bills (or bill payments) from the storage medium. When the image content is confirmed, the identified paper (or bill payment) image content is transmitted to the customer terminal and processed to be output. If the paper (or bill payment) image content is not confirmed from the storage medium, the paper search is performed. After confirming the payer number for the giro corresponding to the information, and transmitting the confirmed payer number to the KFTC server, the customer pays through a branch window or an automated device of another financial institution (or receiving institution or collection agency). Check the image content of Giro (or pay bill) and send it to the customer terminal. Jiro to pay including the step of processing search relates to a processing method.

The benefits of civilization have a corresponding cost, and most people are regularly billed by one or more billing agencies, and some customers are asked to pay bills from certain institutions. In the case of bills that are automatically paid through the automatic bill transfer service through the receiving institution or the collection agency, but the billing period is unspecified or billed once or twice a year, it is not possible to use the direct debit service. You pay by using the service or by paying a visit to a financial institution (or a collection institution or a collection institution), and most of the financial institutions (or collection agencies or collection institutions) The automatic bill acceptor is installed at the branch.

However, unlike the conventional method of paying a utility bill through a financial institution (or a storage institution, or a collection agency) window, the direct debit service and the Internet branch service provide a physical receipt corresponding to the payment of the utility bill to the customer who paid the utility bill. For example, if the receipt of the bill is not issued, the expiration date of each utility bill and the next day's expiration date, the EH confirms the fact of payment of the utility bill by each financial institution (or the receiving institution or the collection agency) when a non-payment notice comes. Including the problem that the inquiries phone is congested, and includes a problem that the normal call center business is paralyzed due to the congestion of the inquiry phone as described above.

In addition, when the utility bill is paid through the counter payment or the automatic bill acceptor, the customer (or payer) has to keep the receipt until the expiry prescription of the utility bill, and if the receipt is lost before the expiration prescription, Frequently it is necessary to request the confirmation of payment invoices held by an institution (or a collection agency or collection agency) (or a utility collection agency), which requires a lot of effort and time to find the actual receipt. It is causing a lot of trouble.

An object of the present invention for solving the above problems, when the customer pays the giro (or utility bills) through the financial institution (or storage institution, or collection agency) branch window or automated device, the payment through the branch window or automated device A storage medium which stores the image contents of the giro (or bill payment) scanning the giro payment receipt and the giro payment history information corresponding to the giro payment result in association with the customer identification information, and the customer enters the giro payment history through the customer terminal. On request, a search interface may be outputted to the customer terminal by inputting search information corresponding to the customer identification information and the payment history information, including at least one billing institution information, payment amount information, and payment period information. Interface providing means for processing, and input from the customer terminal through the branch search interface An information receiving means for receiving customer identification information and giro search information, and one or more giro (or bill payment) image contents associated with the customer identification information in association with the storage medium and matching the giro search information; (Or bill payment) When the branch (or bill payment) image content is confirmed from the image confirming means and the storage medium, the verified bill (or bill payment) image content is transmitted to the customer terminal for processing and output. If the giro (or bill payment) image contents are not confirmed from a storage medium, the payer number for the giro corresponding to the giro search information is checked, and the payer number is transmitted to the KFTC server so that the customer receives another finance. Branch offices of automated agencies (or collection agencies, or collection agencies) or automated equipment A Giro payment to a (or to pay bills) confirm the image content by Giro payment including a Giro image providing means (or to pay bills) for processing to be output and transmits it to the customer terminal search processing systems to provide.

According to the present invention, a payment method for processing a payment for giro, when the customer pays a giro (or utility bill) through a financial institution (or a storage institution or a collection agency) branch window or an automated device, is paid through the branch window or the automated device. Storing the giro (or bill payment) image contents scanning the giro payment receipt and the giro payment history information corresponding to the giro payment result in a storage medium in association with the customer identification information, and the customer paying the giro payment through the customer terminal. If a request is made, the search interface outputs the search information corresponding to the customer identification information and the payment history information, including at least one of billing agency information, payment amount information, and payment period information. Processing to perform, and identifying a customer input through the search interface from the customer terminal. Receiving the information and the Giro search information, Confirming one or more giro (or bill payment) image content associated with the customer identification information in connection with the storage medium, matching the jiro search information and the storage medium When the image of the branch (or bill payment) is confirmed from the image, the image of the branch (or bill payment) is transmitted to the customer terminal for processing and outputted, and the image of the branch (or bill) is stored from the storage medium. If is not confirmed, check the payer number for the road (or utility bill payment) corresponding to the search information, and sends the confirmed payer number to the KFTC server, the customer is another financial institution (or receiving institution, or The branch (or utility bill payment) paid by the branch's counter or automated equipment Determine if the content is characterized in that comprises the step of processing to be output and transmits it to the customer terminal.

In accordance with an embodiment of the present invention, there is provided a method of searching and paying a bill, and outputting a customer authentication interface for inputting the customer authentication information to the customer terminal. And reading the customer authentication information and checking the validity of the customer for the search.

In the method of paying the bill of paper according to the present invention, the bill of land (or bill payment) image content is attached to the branch of the bank or the automated device corresponding to the branch of the financial institution (or storage institution or collection institution). It is characterized in that it comprises a structured electronic payment structure.

In the method of payment processing according to the present invention, the customer identification information may include a resident registration number (or part of a resident registration number and a customer name), a mobile phone number (or universal subscriber identity module (USIM) information provided in a mobile phone) of the customer, Phone number, account number (or part of account number and password), card number (or part of card number and password), characterized in that it comprises one or more payer number per billing institution.

On the other hand, a computer-readable recording medium characterized by recording a program for executing the payment retrieval processing method as described above.

On the other hand, the branch payment search processing system according to the present invention, if the customer pays the branch (or utility bill) through the financial institution (or storage institution, or collection agency) branch window or automated device, through the branch window or automated device The storage medium which stores the image contents of the giro (or bill payment) scanning the giro payment receipt and the giro payment history information corresponding to the giro payment results in association with the customer identification information, and the history of the giro payment through the customer terminal. If a request is made, the search interface outputs the search information corresponding to the customer identification information and the payment history information, including at least one of billing agency information, payment amount information, and payment period information. Interface providing means for processing, and through the branch search interface from the customer terminal Information receiving means for receiving the displayed customer identification information and the giro search information, and identifying one or more giro (or bill payment) image contents associated with the customer identification information and matching the giro search information in association with the storage medium; When the giro (or bill payment) image contents are identified from the giro (or bill payment) image checking means and the storage medium, the identified giro (or bill payment) image contents are transmitted to the customer terminal for processing and output. If the giro (or bill payment) image content is not confirmed from the storage medium, the payer number for the giro (or bill payment department) corresponding to the giro search information is confirmed, and the payer number is transmitted to the KFTC server. Branch of another financial institution (or receiving institution, or collection agency) Characterized in that formed in the housing through the sphere to automation Jiro Jiro for processing to be output and transmits it to the customer terminal to determine the image contents (or to pay bills) it includes an image providing means (or to pay bills).

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

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

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

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

1 is a diagram illustrating a branch payment system using a financial institution (or storage institution, or collection institution) branch window according to an embodiment of the present invention.

More specifically, Figure 1 includes one or more payment amount information, billing institution information, payer number, or branch (or utility bill payment) for the payment by the customer using a branch of a financial institution (or receiving institution or collection institution). If you submit the payment (or utility bill payment application) and the payment amount including the electronic payment number indicated in the), a predetermined image is obtained from the teller terminal 100 provided at the branch of the financial institution (or receiving institution or collection institution). Obtain a predetermined branch (or bill payment) image contents corresponding to the branch (or bill payment) through the device, and the amount of payment corresponding to the branch (or bill payment) with the branch payment system through the predetermined branch payment interface. Electronic payment number with one or more information, billing agency information, payer number, or as indicated on the Jiro (or utility billing department) When providing the giro payment information and the giro (or bill payment) image content obtained from the giro, after the giro payment server 105 processes the giro payment through the giro payment information, the giro (or Bill payment) Generates a predetermined bill payment electronic document containing the image content and processes it to be stored in the electronic document storage provided in the KFTC, and stores the bill (payment) image content and bill payment details information with the customer identification information. The present invention relates to a system configuration for storing in the storage medium 155 in association. Specifically, the electronic document repository is provided on an external system associated with the branch payment system through a predetermined communication network.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 1 to provide various implementation methods for the construction of a giro payment system using a branch of a financial institution (or a collection institution, or a collection institution). It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to, and / or modify, the electronic document repository (for example, the electronic document server 160 and the electronic document D / B 180) by referring to and / or modifying the drawing. Although illustrated and described as being provided in the financial settlement agency that oversees the business of the branch, the present invention is by no means limited, and the electronic document storage is provided in the financial institution (or receiving institution, or collection agency), Alternatively, it is possible to be provided in the accredited institution affiliated with the financial settlement agency, and it will be apparent that the present invention is not limited by the location of the electronic document storage.

In addition, according to the implementation method shown in FIG. 1, it is illustrated and described as generating the electronic payment document corresponding to the branch (or bill payment section) on the server side of the branch payment system, but the present invention is limited thereto. The giro payment electronic document may be generated in a window terminal 100 that acquires giro (or bill payment) image contents corresponding to the giro (or bill payment department) through a predetermined image acquisition device. For example, the electronic document generation function provided at the server side is provided in the window terminal 100 to generate the branch payment electronic document. Thus, the present invention is not limited thereto.

In the following description, a predetermined electronic payment electronic document is provided with the electronic payment information and the digital payment (or bill payment) image contents corresponding to the electronic payment (or bill payment) through the predetermined payment interface on the payment system shown in FIG. A component corresponding to one or more means and / or functional configurations for generating and storing the electronic document storage provided in the KFTC and storing the giro payment information in a predetermined storage medium 155 for convenience. 105). "

Referring to FIG. 1 according to an embodiment of the present invention, a branch payment system for branch payment using the financial institution (or storage institution, or collection institution) branch window is one or more financial institutions (or storage institutions, or collection institution). Institution) characterized in that comprises a teller terminal 100 including a teller terminal 100 provided in a branch (or a branch), the teller terminal 100 is on the branch payment system through a predetermined financial network The communication channel is connected to the branch payment server 105 provided in the.

According to the method of the present invention, the customer visits the financial institution (or the receiving institution or the collection institution) branch (the branch office) to make a branch payment using the financial institution (or the receiving institution or the collection institution) branch window. A predetermined window for paying giro using the window of the financial institution (or receiving institution, or collecting institution) branch provided at the window (or telling staff) of the branch of the financial institution (or receiving institution, or collecting institution) It is preferable to submit (or present) a giro (or utility bill payment) and to submit (or pay) a payment amount corresponding to the payment amount information displayed on the giro (or utility bill payment notice).

Thereafter, the teller scans the branch (or bill payment) through a predetermined image acquisition device to obtain a predetermined branch (or bill payment) image content, and the branch (or bill payment section) through the teller terminal 100. Inputting (or selecting) the giro (or bill payment) image contents obtained in response to the &quot;) and the giro payment information including one or more of the payment amount information, the billing institution information, and the payer number written in the giro (or the bill payment book). Then, it is preferable to transmit the giro (or bill payment) image content and giro payment information to the giro payment server 105 provided on the giro payment system through the financial network.

Here, the teller terminal 100 preferably comprises an employee terminal used by an employee of the branch (or a branch) of the financial institution (or a storage institution, or a collection agency), and is connected to the teller terminal 100. The payment server 105 preferably includes a server (eg, a business support server, etc.) provided on the predetermined financial system, and connects the teller terminal 100 and the payment server 105. The financial network preferably comprises a branch network connecting the communication channel between the window terminal 100 and the branch payment server 105.

In the branch payment system as described above, an image acquisition device for obtaining a branch (or bill payment) image contents corresponding to the branch (or bill payment section), the window terminal 100 and the window terminal 100 used by the employee And a network to connect the branch payment server 105 to a branch payment interface for registering the branch payment information for the branch payment by the customer using the branch of the financial institution (or receiving institution or collection institution). Perform

The storage medium 155 provided on the giro payment system according to the present invention is processed after the giro payment through the giro payment information provided from the window terminal 100, and then the image content of the giro (or bill payment) and Giro payment history information corresponding to the results of the Giro payment through the giro payment information is stored in association with the customer identification information.

The giro (or bill payment) image content is a giro (for example, a financial institution (or a storage institution, or a collection institution) that has been paid through an image acquisition device provided at the branch of the financial institution (or storage institution or collection institution). ) The image content scanned by the paying clerk through the branch window). If the electronic document storage is provided in the financial institution (or the receiving institution or the collecting institution), the branch (or Bill payment) It may be replaced with a Giro payment electronic document including image contents.

According to the method of the present invention, the giro payment electronic document is attached to the electronic signature of the Giro payment agency corresponding to the branch of the branch of the financial institution (or storage institution, or collection institution) or an automated device. It is preferable to comprise a structure.

The giro payment history information, payment amount information corresponding to the giro payment information processed through the giro payment system, billing institution information, payer number and payment date and time information and financial institution (or receiving institution, or collection institution) branch information It is preferable to comprise a.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage medium Reference numeral 155 may be a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

In other words, it is apparent that the storage medium 155 of the present invention is a functional name for supporting a search and is not limited to a physical name.

The branch payment server 105 provided on the branch payment system according to the present invention is a generic term for the branch payment system side components connected to the teller terminal 100 through a predetermined financial network, and includes one or more servers (or Device) or one or more programs recorded on a recording medium provided in one server (or device), and the present invention is not limited thereto.

According to the method of the present invention, the branch payment server 105 is a branch payment support server connected to the window terminal 100 through a predetermined financial network, or a ledger server provided on a financial system, or the financial It may be a server (or device) provided in the external system on the system, or a program related to Giro payment provided in the external system on the financial system, and the present invention is not limited thereto.

In other words, it is apparent that the giro payment server 105 of the present invention is a functional name for supporting the search of the giro, and is not limited to the physical name.

According to the method of the present invention, the branch payment server 105 is provided with an interface unit 110 for connecting and managing the window terminal 100 and a predetermined communication channel through the financial network. .

According to the method of the present invention, the interface unit 110 connects the communication terminal with a predetermined communication channel based on the protocol stack defined in the financial network, and is provided in the window terminal 100. It is desirable to provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a financial transaction related program.

Referring to FIG. 1, when the predetermined payment terminal 100 connects a predetermined communication channel with the branch payment server 105 through the interface unit 110, the financial institution includes the financial institution. (Or storage agency, or collection agency) The branch (or bill payment) corresponding to the branch (or bill payment) that has been paid through a predetermined image acquisition device provided at the teller terminal 100 for the branch payment using the branch window. Generate (or extract) one or more user interfaces for acquiring image content, inputting (or selecting) giropayment information corresponding to the giro (or bill payer), and transmitting to the giropayment server 105; An interface providing unit 115 for providing the generated (or extracted) user interface to the window terminal 100 in association with the interface unit 110 and an image in the window terminal 100. When the giro payment information corresponding to the giro (or bill payment department) is input (or selected) through a user interface and is transmitted, the giro payment information transmitted from the window terminal 100 is linked to the interface unit 110. The image receiving unit 120 and the branch terminal (or the bill payment) image contents corresponding to the branch (or bill payment section) paid by the window terminal 100 through a predetermined image acquisition device based on the user interface. When acquiring and transmitting, the image receiving unit 125 is configured to receive image content of the branch (or the bill payment) image corresponding to the branch (or the bill payment section) in association with the interface unit 110.

The interface providing unit 115 connects a predetermined communication channel with the branch payment server 105 through the interface unit 110 through the interface unit 110, and then the financial unit is provided to the branch payment server 105. When requesting a user interface for bill payment using an institution (or a collection agency or a collection agency) branch window, the bill is processed to a bill (or utility bill payment department) that is paid through a predetermined image acquisition device provided in the teller terminal 100. Acquire corresponding giro (or bill payment) image contents, input (or select) giro payment information corresponding to the giro (or bill payment department), and transmit it to the giro payment server 105 through the financial network. One or more user interfaces are generated, and / or extracted from a predetermined database (not shown), and generated (or extracted) in conjunction with the interface unit 110. The user interface is characterized in that provided in the window terminal 100, through the financial network.

According to another exemplary embodiment of the present invention, a branch (or a bill payment) image content corresponding to a branch (or a bill payment) that has been paid to the window terminal 100 through a predetermined image acquisition device is obtained, and the branch (or When a predetermined information registration program is provided with one or more user interfaces for inputting (or selecting) giro payment information corresponding to a utility bill payment unit and transmitting the giro payment information to the giro payment server 105 through the financial network. As shown in FIG. 2, the mobile terminal acquires the image content (or bill payment) corresponding to the bill (or bill payment) that has been paid through a predetermined image acquisition device, and inputs bill payment information corresponding to the bill (or bill payment). Select and generate (or extract) a user interface to transmit to the branch payment server 105 to the window terminal 100. The interface providing unit 115 may be omitted, and the present invention is not limited thereto.

Thereafter, the counter terminal 100 inputs (or selects) giro payment information including one or more of the payment amount information, the billing institution information, the payer number, or the electronic payment number through the user interface. The input (or selected) giro payment information is transmitted to the giro payment server 105 through the financial network. In response, the information receiving unit 120 is connected to the interface unit 110 and the window terminal 100 is connected. Receiving the giro payment information transmitted from).

In addition, the window terminal 100 obtains the image (or bill payment) image content corresponding to the branch (or bill payment) of the bill is processed through a predetermined image acquisition device based on the user interface, the obtained branch (Or bill payment) Image contents are transmitted to the branch payment server 105 through the financial network, and correspondingly, the image receiver 125 is connected to the interface section 110 to the branch (or bill payment section). It is characterized in that for receiving the giro (or bill payment) image content corresponding to the.

According to another exemplary embodiment of the present invention, the window terminal 100 acquires image content corresponding to a branch (or a bill payment) that has been processed through a predetermined image acquisition device, and then the window terminal. When previously stored in a predetermined storage device provided in (or associated with) 100, the teller terminal 100 may store one or more branches (or bill payment) image contents previously stored in the storage device through the user interface. The image (or bill payment) image content corresponding to the paid bill (or bill payment) is selected and transmitted to the bill payment server 105 through the financial network. In response, the image receiver 125 Receiving a giro (or bill payment) image content corresponding to the giro (or bill payment department) in conjunction with the interface unit 110 Is recommended.

According to another embodiment of the present invention, the branch (or bill payment) image contents and the branch (or bill payment section) corresponding to the billed bill (or bill payment) through the user interface in the window terminal 100. In the case of transmitting the giro payment information corresponding to the information, the information receiving unit 120 in conjunction with the interface unit 110 and the giro (or bill payment) image content and giro payment corresponding to the giro (or bill payment department) It is possible to receive information together (for example, the image receiver 125 is integrated into the information receiver 120 and operated), and the present invention is not limited thereto.

Referring to FIG. 1, when the giro payment server 105 receives the giro payment information transmitted from the window terminal 100 through the information receiver 120, the giro payment information is received from the financial institution. Or a receiving institution, or a collection agency), characterized in that it comprises a validity confirming unit 130 that checks whether the branch meets the validity for payment.

According to an embodiment of the present invention, the validation of the giro payment information is to check whether the giro payment information is valid in association with the billing institution server or EBPP (Electronic Bill Presentment & Payment) server associated with the giro payment system. It is preferable to comprise.

Referring to FIG. 1, the giro payment server 105 receives the giro (or bill payment) image content and giro payment information transmitted from the window terminal 100 through the image receiving unit 125, and the validity is received. When the validity of the giro payment information is authenticated through the confirmation unit 130, it is characterized in that it comprises a giro payment processing unit 135 for processing the giro payment based on the giro payment information.

Those skilled in the art to which the present invention pertains will be familiar with the procedure for payment of giro through the giro payment information, detailed description thereof will be omitted for convenience.

Referring to FIG. 1, the giro payment server 105 receives the giro (or bill payment) image contents transmitted from the window terminal 100 through the image receiving unit 125, and the giro payment processing unit 135. When the giro payment for the giro payment information is processed through a), the electronic document generation unit 140 for generating a predetermined giro payment electronic document including the received giro (or bill payment) image content, and the generated It is characterized in that it comprises an electronic document transmission unit 145 for transmitting the electronic document payment to the electronic document storage associated with the Jiro payment system. It demonstrates and demonstrates what is equipped in the payment center.

The electronic document generation unit 140 generates a branch payment electronic document including the branch (or bill payment) image content received from the window terminal 100 through the image receiving unit 125.

According to the exemplary embodiment of the present invention, the electronic document generating unit 140 may generate an image file including the branch (or bill payment) image contents received from the window terminal 100 through the image receiving unit 125. It is preferable to process it as a paper payment electronic document for paper payment by using the window of the financial institution (or a storage institution or a collection institution) as it is.

Alternatively, the electronic document generator 140 receives the giro payment received through the information receiver 120 on the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. The financial institution (or the receiving institution, the image file corresponding to the giro (or bill payment) image content including at least one of the payment amount information, billing institution information, and payer number included in the information in a watermarking manner); Or collection agency) It is preferable to generate the electronic payment electronic document for payment of paper money using the branch window.

According to another exemplary embodiment of the present invention, the electronic document generation unit 140 includes predetermined contents including the branch (or bill payment) image contents received from the window terminal 100 through the image receiving unit 125. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including MHT), It is preferable to generate a jiro payment electronic document for giro payment using the financial institution (or receiving institution, or collection institution) branch window.

Alternatively, the electronic document generator 140 receives the giro payment received through the information receiver 120 on the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. Generate a giro (or bill payment) image content including watermarking information, billing institution information, and payer number included in the information by a watermarking method, and generate the giro (or bill payment) image. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing content, or a web document file including an MHT. And the like, to generate a paper payment electronic document for paper payment using the financial institution (or storage institution or collection institution) branch window. desirable.

According to another embodiment of the present invention, the electronic document generating unit 140 is the branch (or bill payment) image content and the information receiving unit received from the window terminal 100 through the image receiving unit 125 A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) containing the payment information received through the 120 is a word processor file. , Or a web document file including MHT), it is preferable to generate a paper payment electronic document for paper payment by using the branch of the financial institution (or storage institution, or collection institution).

Alternatively, the electronic document generator 140 receives the giro payment received through the information receiver 120 on the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. Generate a giro (or bill payment) image content including watermarking information, billing institution information, and payer number included in the information by a watermarking method, and generate the giro (or bill payment) image. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing contents and the payment information, or an MHT. By generating a web document file, etc.), the electronic bill payment for electronic bill payment using the branch window of the financial institution (or storage institution or collection institution) It is desirable to create a document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 140, 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 transmission unit 145 transmits and stores the electronic payment document generated by the electronic document generation unit 140 to an electronic document repository provided in the financial settlement center associated with the electronic payment system. do.

As shown in FIG. 1, the electronic document storage unit stores a predetermined electronic document server 160 and an electronic document D / B 180 associated with the branch payment server 105 on the branch payment system through a predetermined communication network. In addition, when provided to the outside, the electronic document transmission unit 145 is to transmit the electronic payment document generated by the electronic document generation unit 140 to the electronic document server 160 via the communication network. It features.

Herein, when the electronic document server 160 and the electronic document D / B 180 are provided outside the branch payment system, the electronic document server 160 and the electronic document D / B 180 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 the DBMS provided in the branch payment system, the electronic document transmission unit 145 is the branch generated by the electronic document generation unit 140. It is possible to store the payment electronic document in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the branch payment system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 145 may be configured to display the electronic document related information (the giro (or bill payment) image content) for generating predetermined electronic document management information in the electronic document server 160. It includes one or more giro payment information corresponding to the corresponding giro (or bill payment department), financial institution (or storage institution, or collection agency) information transmitting the giro payment electronic document, electronic document file format information, giro payment history information It is possible to transmit to the electronic document storage including a), thereby the present invention is not limited.

Referring to FIG. 1, after the branch payment server 105 processes the branch payment corresponding to the branch payment information by the branch payment processing unit 135, the branch payment server 105 displays the contents of the branch (or bill payment) image and the branch payment information. It is characterized in that it comprises the information storage unit 150 for storing in the storage medium 155 in connection with the customer identification information of the payment information of the Jiro payment corresponding to the Giro payment results.

After the branch payment section corresponding to the branch payment information is processed by the branch payment processing unit 135, the information storage unit 150 corresponds to the paid branch (or bill payment section) received from the window terminal 100. Giro (or bill payment) image content and the giro payment history information corresponding to the giro payment results through the giro payment information is stored in the storage medium 155 by processing the customer identification information.

The giro (or bill payment) image content is a giro (for example, a financial institution (or a storage institution, or a collection institution) that has been paid through an image acquisition device provided at the branch of the financial institution (or storage institution or collection institution). ) The image content scanned by the paying clerk through the branch window). If the electronic document storage is provided in the financial institution (or the receiving institution or the collecting institution), the branch (or Bill payment) It may be replaced with a Giro payment electronic document including image contents.

According to the method of the present invention, the giro payment electronic document is attached to the electronic signature of the Giro payment agency corresponding to the branch of the branch of the financial institution (or storage institution, or collection institution) or an automated device. It is preferable to comprise a structure.

The giro payment history information, payment amount information corresponding to the giro payment information processed through the giro payment system, billing institution information, payer number and payment date and time information and financial institution (or receiving institution, or collection institution) branch information It is preferable to comprise a.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage medium Reference numeral 155 may be a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

Referring to FIG. 1, an electronic document server receives a predetermined branch payment electronic document from the branch payment server 105 provided on the branch payment system, and stores and manages the electronic document D / B 180 in a predetermined electronic document D / B 180. The electronic document receiving unit 165 for receiving a predetermined branch payment electronic document from the branch payment server 105 through the communication network and the received branch payment electronic document to the electronic document D / B 180. An information generation unit 170 for generating predetermined electronic document management information for storing and managing, and storing the electronic document management information and the branch payment electronic document in a predetermined electronic document D / B 180 by linking and processing the electronic document management information. An electronic document storage unit 175 is provided.

The electronic document receiving unit 165 may receive a Jiro payment electronic document in the form of an image file and / or a document file from the Giro payment server 105 through the communication network.

According to the exemplary embodiment of the present invention, the branch payment electronic document received by the electronic document receiving unit 165 through the communication network is received by the branch payment server 105 from the window terminal 100 (or utility bill). Payment) It is preferable that the image file including the image content is included as it is.

Alternatively, the branch payment electronic document received by the electronic document receiving unit 165 through the communication network is included in the branch (or bill payment) image content received by the branch payment server 105 from the window terminal 100. It is preferable to include an image file corresponding to a giro (or bill payment) image content that includes at least one of payment amount information, billing institution information, and payer number included in the payment information in a watermarking manner.

According to another exemplary embodiment of the present invention, the branch payment electronic document received by the electronic document receiving unit 165 through the communication network is received by the branch payment server 105 from the window terminal 100 (or utility bill). Payment) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing image content, or an MHT. Web document files).

Alternatively, the branch payment electronic document received by the electronic document receiving unit 165 through the communication network is stored in the branch (or bill payment) image content received by the branch payment server 105 from the window terminal 100. Predetermined document files (eg, PDFs) containing giro (or utility billing) image content including watermarking information including at least one of payment amount information, billing institution information, and payer number included in the payment information. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including one or more HWP / DOC, etc., or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the branch payment electronic document received by the electronic document receiving unit 165 through the communication network is received by the branch payment server 105 from the window terminal 100 (or Billing Payment) A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing at least one image content and the branch payment information. , Or a web document file including MHT).

Alternatively, the giro payment electronic document received by the electronic document receiving unit 165 through the communication network is the giro payment to the giro (or bill payment) image contents that the giro payment server 105 receives from the window terminal 100. A document file containing giro (or bill payment) image contents including one or more of payment amount information, billing institution information, and payer number included in the information by a watermarking method and the giro payment information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including MHT) may be included. .

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the giro payment electronic document received through the electronic document receiving unit 165 and the branch through the electronic document receiving unit 165. 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 170 refers to the branch payment server 105 which transmits the branch payment electronic document received through the electronic document receiving unit 165, and the branch payment electronic document. It is preferable to check the financial institution (or the receiving institution, or the collection institution) that has transmitted the information, and to generate the electronic document management information further including the identified financial institution (or the receiving institution or the collection institution) information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 165 further receives a predetermined electronic document-related information from the branch payment server 105, the information generating unit 170 is received Electronic document-related information (giro payment information corresponding to the giro (or bill payment department) corresponding to the giro (or bill payment) image content, the financial institution (or storage institution, or collection institution) that transmits the giro payment electronic document) Information, electronic document file format information, and giro payment history information).

The electronic document storage unit 175 performs a predetermined electronic document D / D operation by linking and processing the electronic document management information generated through the information payment unit 170 and the giro payment electronic document received through the electronic document receiving unit 165. It is characterized in that stored in the B (180).

According to one embodiment of the present invention, the branch payment electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the branch payment server 105 from the window terminal 100. It is preferable that the image file including the received (or bill payment) image content is included as it is.

Alternatively, the branch payment electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the branch (or utility bill) received by the branch payment server 105 from the window terminal 100. Image file corresponding to the giro (or bill payment) image content that includes at least one of payment amount information, billing institution information, and payer number included in the giro payment information in a watermarking manner. It is preferable to comprise.

According to another exemplary embodiment of the present invention, the branch payment electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the branch payment server 105 by the window terminal 100. A word processor including one or more predetermined document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc.) containing the image contents (or bill payment) received from the user. File, or a web document file including MHT).

Alternatively, the branch payment electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is a branch received by the branch payment server 105 from the window terminal 100 (or a bill payment section). ) A predetermined document file including giro (or bill payment) image contents including at least one of payment amount information, billing institution information, and payer number included in the giro payment information in the image contents by a watermarking method. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). Do.

According to another exemplary embodiment of the present invention, the branch payment electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the branch payment server 105 by the window terminal 100. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the contents of the giro (or bill payment) image and the giro payment information. And at least one word processor file or web document file including MHT).

Alternatively, the branch payment electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is a branch received by the branch payment server 105 from the window terminal 100 (or a bill payment section). ) The image content includes the giro (or bill payment) image content and the giro payment information including at least one of payment amount information, billing institution information, and payer number included in the giro payment information by watermarking. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the branch payment electronic document is stored in the branch payment electronic 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 180 by the electronic document storage unit 175 in association with the branch payment electronic document is stored in the branch payment electronic document. It is preferable to further include information on the financial institution (or the receiving institution, or the collection institution) that has transmitted the electronic payment document confirmed with reference to the giro payment server 105 that transmits the.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the branch payment server 105, the electronic document storage unit 175 processes the electronic document by linking with the branch payment electronic document. The electronic document management information stored in the document D / B 180 may include, for example, giro payment information corresponding to the giro (or bill payment book) corresponding to the received electronic document related information (the giro (or bill payment) image content). It is preferable to further include financial institution (or receiving institution, or collection institution) information, electronic document file format information, Giro payment history information that transmits the Jiro payment electronic document.

2A and 2B are diagrams illustrating a payment process based on a financial institution (or a storage institution or a collection institution) window for searching a branch according to an exemplary embodiment of the present invention.

In more detail, Figures 2a and 2b show that a predetermined customer includes one or more payment amount information, billing institution information, and payer number for the payment of the branch by using a branch of a financial institution (or receiving institution or collection institution). When the payment amount is submitted, a predetermined branch corresponding to the branch (or bill payment department) is provided through a predetermined image acquisition device at the teller terminal 100 provided at the branch of the financial institution (or storage institution or collection institution). Or bill payment) image content and include one or more payment amount information, billing institution information, and payer number corresponding to the bill (or bill payer), or include an electronic bill number displayed on the bill (or bill bill). If it is provided with the giro payment information and the giro (or bill payment) image content obtained from the giro, to the giro payment server 105 After processing the bill payment through the bill payment information, a predetermined bill payment electronic document containing the bill (or bill payment) image content is generated and processed to be stored in an electronic document repository provided in the KFTC. It is an implementation method for storing giro (or bill payment) image contents and giro payment history information in a storage medium 155 in association with customer identification information. By referring to and / or modifying Figures 2a and 2b it can be inferred from the various implementation methods for the payment process based on the financial institution (or collection institution, or collection institution) window for the search for the branch, but the present invention can be inferred The present invention includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 2A and 2B.

For example, in the embodiment shown in FIGS. 2A and 2B, the window terminal 100 acquires a predetermined branch (or bill payment) image content corresponding to the branch (or bill payment section) through a predetermined image acquisition device. Alternatively, the user interface for inputting (or selecting) the giro payment information corresponding to the giro (or the utility bill payment unit) is illustrated and provided as being provided from the giro payment server 105, but is predetermined in the window terminal 100. If the information registration program is provided, the user interface may not be provided from the giro payment server 105, thereby the present invention is not limited.

2a and 2b, the window terminal 100 shown in FIG. 1 is referred to as " terminal " for convenience, and the branch payment server 105 shown in FIG. 1 is referred to as " server "

Referring to FIGS. 2A and 2B, a branch and a payment includes one or more payment amount information, billing institution information, and payer number for a branch payment by a predetermined customer using a branch of a financial institution (or receiving institution or collection institution). When the amount is submitted, the teller terminal 100 shown in FIG. 1 connects to the server via a predetermined financial network and connects a predetermined communication channel, and corresponds to a financial institution corresponding to the branch (or bill payment department). Or a requesting user interface for payment of bills of land using a point window (200, a collection agency, or a collection agency), correspondingly, the server is billed through a predetermined image acquisition device in the terminal (or bill payment department). To generate (or extract) a user interface for acquiring a predetermined branch (or bill payment) image content corresponding to and transmitting it to the server. 205), and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (210).

Thereafter, the terminal acquires the image content of the branch (or the bill payment) corresponding to the branch (or the bill payment section) through a predetermined image acquisition device based on the user interface (215).

If image content corresponding to the branch (or bill payment) image is obtained through the image acquisition device (220), the terminal receives the obtained branch (or bill payment) image through the financial network. The content is transmitted to the server (225).

Thereafter, the server inputs (or selects) giro payment information including one or more payment amount information, billing institution information, and a payer number corresponding to the giro (or bill payment department) matching the giro (or bill payment) image contents. A user interface for transmitting to the server is generated (or extracted) ◎ 230, and the generated (or extracted) user interface is transmitted to the terminal through the financial network (235).

Thereafter, the terminal inputs (or selects) giro payment information including one or more of the payment amount information, the billing institution information, and the payer number through the user interface (240).

If the giro payment information including one or more of the payment amount information, the billing institution information, and the payer number is input (or selected) through the user interface, ◎ 245), the terminal inputs the input to the server through the financial network ( Alternatively, the selected branch payment information is transmitted (250).

Thereafter, the server receives and reads giro payment information including one or more of the payment amount information, the billing institution information, and the payer number through the financial network to confirm the validity of the giro payment information (255).

According to an embodiment of the present invention, the validation of the giro payment information is to check whether the giro payment information is valid in association with the billing institution server or EBPP (Electronic Bill Presentment & Payment) server associated with the giro payment system. It is preferable to comprise.

If the validity of the giro payment information is not authenticated (260), the server generates predetermined giro payment error information and transmits it to the terminal (265), and does not perform the giro payment procedure through the giro payment information. .

On the other hand, if the validity of the giro payment information is authenticated (260), the server processes the giro payment for the giro (or bill payment department) through the giro payment information (270).

Those skilled in the art to which the present invention pertains will be familiar with the procedure for payment of giro through the giro payment information, detailed description thereof will be omitted for convenience.

If the branch payment through the branch payment information is processed (275), the server generates a predetermined branch payment electronic document including the branch (or bill payment) image content (280).

According to the exemplary embodiment of the present invention, the server stores the image file including the giro (or bill payment) image content received from the window terminal 100 through the image receiving unit 125 as it is (the financial institution (or Receiving agency, or collection agency) It is preferable to process the electronic payment document for the payment of jiro using the branch window.

Alternatively, the server pays the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125 included in the giro payment information received through the information receiver 120. The financial institution (or storage institution, or collection institution) branch of the image file corresponding to the (or bill payment) image content that includes at least one of the amount information, billing institution information, payer number information by watermarking method (or bill payment) It is preferable to generate a giro payment electronic document for giro payment using a window.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF) including the branch (or bill payment) image content received from the window terminal 100 through the image receiving unit 125. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including one or more HWP / DOC, or web document file including MHT, etc. It is preferable to generate a paper payment electronic document for paying paper money using a branch office.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 120 in the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. Generate a giro (or bill payment) image content that includes one or more of information, billing agency information, and payer number in a watermarking manner, and includes the generated giro (or bill payment) image content. By generating a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). In addition, it is preferable to generate a jiro payment electronic document for giro payment using the financial institution (or storage institution, or collection agency) branch window.

According to another exemplary embodiment of the present invention, the server receives the giro (or bill payment) image content received from the window terminal 100 through the image receiving unit 125 and the information receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing the payment information, or an MHT. By generating a web document file, etc., it is preferable to generate a giro payment electronic document for giro payment using the branch window of the financial institution (or storage institution or collection institution).

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 120 in the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. Create a giro (or bill payment) image content that includes one or more of information, billing agency information, and payer number in a watermarking manner, and generates the giro (or bill payment) image content and the bill payment. A predetermined document file containing information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc., or a web document file including an MHT). Etc.) to generate a paper payment electronic document for paper payment using the financial institution (or storage institution, or collection institution) branch window. It is desirable.

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 an electronic document storage provided in the financial settlement agency (285).

As shown in FIG. 1, the electronic document storage is provided externally including a predetermined electronic document server 160 and an electronic document D / B 180 linked to a server on the branch payment system through a predetermined communication network. In this case, the server preferably transmits the generated branch payment electronic document to the electronic document server 160 through the communication network and stores the electronic document server 160 in the electronic document D / B 180.

Or, if the electronic document storage is provided on a DBMS provided in the branch payment system, the server is the electronic document storage corresponding to the electronic document storage on the DBMS provided in the branch payment system It is possible to store in the D / B 180, 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. Preferably stored in / B 180.

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.

The electronic document management information may further include information on a financial institution (or a storage institution, or a collection institution) that transmitted the branch payment electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, giro payment information corresponding to a giro (or a bill payment department) corresponding to the giro (or bill payment) image content) and a finance for transmitting the giro payment electronic document. It is preferable to further include the organization (or the receiving institution, or collection agency) information, electronic document file format information, giro payment history information).

If the giro payment electronic document is stored in the electronic document storage (290), the server is a giro (or bill payment) image content corresponding to the billed giro (or bill payment department) image and giro through the payment information Giro payment history information corresponding to the payment result is stored in the storage medium 155 by linking the customer identification information (295), and the giro payment history information stored in the storage medium 155 is transmitted to the terminal (299). ).

The giro (or bill payment) image content is a giro (for example, a financial institution (or a storage institution, or a collection institution) that has been paid through an image acquisition device provided at the branch of the financial institution (or storage institution or collection institution). ) The image content scanned by the paying clerk through the branch window). If the electronic document storage is provided in the financial institution (or the receiving institution or the collecting institution), the branch (or Bill payment) It may be replaced with a Giro payment electronic document including image contents.

According to the method of the present invention, the giro payment electronic document is attached to the electronic signature of the Giro payment agency corresponding to the branch of the branch of the financial institution (or storage institution, or collection institution) or an automated device. It is preferable to comprise a structure.

The giro payment history information, payment amount information corresponding to the giro payment information processed through the giro payment system, billing institution information, payer number and payment date and time information and financial institution (or receiving institution, or collection institution) branch information It is preferable to comprise a.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage medium Reference numeral 155 may be a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

3A and 3B are diagrams illustrating a process of paying a Giro branch based on a financial institution (or a receiving institution, or a collection institution) window for searching a jiro according to another exemplary embodiment of the present invention.

In more detail, Figures 3a and 3b show that a given customer includes at least one payment amount information, a billing institution information, and a payer number in order to make a payment by using a branch of a financial institution (or receiving institution or collection institution). When the payment amount is submitted, payment amount information, billing institution information, and payer number corresponding to the branch (or utility bill payment department) are provided at the teller terminal 100 provided at the branch of the financial institution (or the receiving institution or the collection institution). If the giro payment information including one or more, or including the electronic payment number displayed on the giro (or utility bill payment) is provided, the giro payment server 105 processes the giro payment through the giro payment information, and the counter terminal The predetermined branch (or utility billing) image corresponding to the branch (or utility billing department) where the branch payment is processed through the predetermined image acquisition device at 100. When the content is obtained and transmitted, the branch payment server 105 generates a predetermined branch payment electronic document including the branch (or bill payment) image content and processes it to be stored in an electronic document repository provided in the KFTC. The method for storing the giro (or bill payment) image content and the giro payment history information in association with the customer identification information in the storage medium 155, if one of ordinary skill in the art 3A and 3B may be inferred by various methods of implementing a payment process based on a financial institution (or a collection institution or a collection agency) window for searching the branch, but the present invention may be inferred from the above. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

For example, in the method shown in FIGS. 3A and 3B, the window terminal 100 acquires a predetermined branch (or bill payment) image content corresponding to the branch (or bill payment section) through a predetermined image acquisition device. Alternatively, the user interface for inputting (or selecting) the giro payment information corresponding to the giro (or the utility bill payment unit) is illustrated and provided as being provided from the giro payment server 105, but is predetermined in the window terminal 100. If the information registration program is provided, the user interface may not be provided from the giro payment server 105, thereby the present invention is not limited.

In the following Figures 3a and 3b, the window terminal 100 shown in Figure 1 is referred to as "terminal" for convenience, and the branch payment server 105 shown in Figure 1 is referred to as "server" for convenience.

Referring to Figures 3a and 3b, a bank and a bill containing one or more payment amount information, billing institution information, and payer number for the payment of the branch by a customer using the financial institution (or receiving institution or collection institution) branch window When the amount is submitted, the teller terminal 100 shown in FIG. 1 connects to the server through a predetermined financial network and connects to a predetermined communication channel, and corresponds to a financial institution (or a bill payment department). Or requesting a user interface for payment of a bill of land using a point window (receiving agency, or collection agency) (300), in response, the server requests payment information corresponding to the paid bill (or a bill payment department). Generate (or add) a user interface for inputting (or selecting) giro payment information, including institution information and payer number, and transmitting it to the server. ) And ◎ 305), and outputs the transmitting the generated (or extracted) user interface through the financial network to the mobile station (310).

Thereafter, the terminal inputs (or selects) giro payment information including one or more of the payment amount information, the billing institution information, and the payer number through the user interface (315).

If the payment information includes the payment amount information, the billing institution information, and the payment information including one or more payer numbers, ◎ 320), the terminal inputs the input to the server through the financial network. Alternatively, the selected branch payment information is transmitted (325).

Thereafter, the server receives and reads giro payment information including one or more of the payment amount information, the billing institution information, and the payer number through the financial network to confirm the validity of the giro payment information (330).

According to an embodiment of the present invention, the validation of the giro payment information is to check whether the giro payment information is valid in association with the billing institution server or EBPP (Electronic Bill Presentment & Payment) server associated with the giro payment system. It is preferable to comprise.

If the validity of the giro payment information is not authenticated (335), the server generates predetermined giro payment error information and transmits it to the terminal (340), and does not perform the giro payment procedure through the giro payment information. .

On the other hand, if the validity of the giro payment information is authenticated (335), the server processes the giro payment for the giro (or bill payment department) through the giro payment information (345).

Those skilled in the art to which the present invention pertains will be familiar with the procedure for payment of giro through the giro payment information, detailed description thereof will be omitted for convenience.

If the giro payment is processed through the giro payment information (350), the server images a predetermined giro (or bill payment) image corresponding to the giro (or bill payment book) that has been paid through the predetermined image acquisition device in the terminal. A user interface for acquiring and transmitting content to the server is generated (or extracted) ◎ 355, and the 360 is transmitted by transmitting the generated (or extracted) user interface to the terminal through the financial network (360).

Thereafter, the terminal acquires the image of the branch (or the bill payment) image corresponding to the branch (or the bill payment section) through the predetermined image acquisition device based on the user interface (365).

If image content corresponding to the branch (or bill payment) image is obtained through the image acquisition device (370), the terminal receives the obtained branch (or bill payment) image through the financial network. The content is transmitted to the server (375).

The server receiving the giro payment information and the giro (or bill payment) image contents from the terminal generates a predetermined giro payment electronic document including the giro (or bill payment) image contents (380).

According to the exemplary embodiment of the present invention, the server stores the image file including the giro (or bill payment) image content received from the window terminal 100 through the image receiving unit 125 as it is (the financial institution (or Receiving agency, or collection agency) It is preferable to process the electronic payment document for the payment of jiro using the branch window.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 120 in the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. The financial institution (or collection institution, or collection institution) branch window of an image file corresponding to the giro (or bill payment) image contents including at least one of information, billing institution information, and payer number in a watermarking manner. It is preferable to generate a giro payment electronic document for giro payment using.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF) including the branch (or bill payment) image content received from the window terminal 100 through the image receiving unit 125. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including one or more HWP / DOC, or web document file including MHT, etc. It is preferable to generate a paper payment electronic document for paying paper money using a branch office.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 120 in the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. Generate a giro (or bill payment) image content that includes one or more of information, billing agency information, and payer number in a watermarking manner, and includes the generated giro (or bill payment) image content. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including MHT), It is preferable to generate a jiro payment electronic document for giro payment using the financial institution (or receiving institution, or collection institution) branch window.

According to another exemplary embodiment of the present invention, the server receives the giro (or bill payment) image content received from the window terminal 100 through the image receiving unit 125 and the information receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing the payment information, or an MHT. By generating a web document file, etc., it is preferable to generate a giro payment electronic document for giro payment using the branch window of the financial institution (or storage institution or collection institution).

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 120 in the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. Generate a giro (or bill payment) image content including at least one of information, billing agency information, and payer number in a watermarking manner, and generate the giro (or bill payment) image content and the giro payment 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 of HWP / DOC, etc.), a web document file including an MHT, and the like. To generate a paper payment electronic document for paper payment using the financial institution (or storage institution or collection institution) branch window. It is desirable.

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 an electronic document storage provided in the financial settlement agency (385).

As shown in FIG. 1, the electronic document storage is provided externally including a predetermined electronic document server 160 and an electronic document D / B 180 linked to a server on the branch payment system through a predetermined communication network. In this case, the server preferably transmits the generated payment electronic document to the electronic document server 160 through the communication network and stores the electronic document server 160 in the electronic document D / B 180.

Or, if the electronic document storage is provided on a DBMS provided in the branch payment system, the server is the electronic document storage corresponding to the electronic document storage on the DBMS provided in the branch payment system It is possible to store in the D / B 180, 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. Preferably stored in / B 180.

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.

The electronic document management information may further include information on a financial institution (or a storage institution, or a collection institution) that transmitted the branch payment electronic document.

In addition, the electronic document management information is a predetermined electronic document-related information (giro payment information corresponding to the giro (or bill payment department) corresponding to the giro (or bill payment) image content, financial institutions for transmitting the giro payment electronic document) (Or receiving institution or collection agency) information, electronic document file format information, giro payment history information, one or more) is preferably included.

If the giro payment electronic document is stored in the electronic document storage (390), the server is a giro (or bill payment) image content and giro payment information corresponding to the billed giro (or bill payment) Through the processing of the customer payment information associated with the payment results of the Giro payment through the link through the customer identification information stored in the storage medium 155 (395), and transmits the payment information of the Jiro payment stored in the storage medium 155 to the terminal (399).

The giro (or bill payment) image content is a giro (for example, a financial institution (or a storage institution, or a collection institution) that has been paid through an image acquisition device provided at the branch of the financial institution (or storage institution or collection institution). ) The image content scanned by the paying clerk through the branch window). If the electronic document storage is provided in the financial institution (or the receiving institution or the collecting institution), the branch (or Bill payment) It may be replaced with a Giro payment electronic document including image contents.

According to the method of the present invention, the giro payment electronic document is attached to the electronic signature of the Giro payment agency corresponding to the branch of the branch of the financial institution (or storage institution, or collection institution) or an automated device. It is preferable to comprise a structure.

The giro payment history information, payment amount information corresponding to the giro payment information processed through the giro payment system, billing institution information, payer number and payment date and time information and financial institution (or receiving institution, or collection institution) branch information It is preferable to comprise a.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage medium Reference numeral 155 may be a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

4A and 4B are diagrams illustrating a process of paying a Giro branch based on a financial institution (or a receiving institution, or a collection institution) window for searching a jiro according to another exemplary embodiment of the present invention.

In more detail, Figures 4a and 4b show that a predetermined customer includes at least one payment amount information, a billing institution information, and a payer number in order to make a payment using a branch of a financial institution (or receiving institution or collection institution). When the payment amount is submitted, payment amount information, billing institution information, and payer number corresponding to the branch (or utility bill payment department) are provided at the teller terminal 100 provided at the branch of the financial institution (or the receiving institution or the collection institution). If the giro payment information including one or more or the electronic payment number displayed on the giro (or bill payment) and the giro (or bill payment) image content obtained from the giro is provided, the giro payment server 105 After the payment is made through the payment information, the predetermined payment fee electronic document including the content of the payment information (or payment of bills) is included. A method of generating a book, processing the document to be stored in an electronic document storage provided in the KFTC, and storing the giro (or bill payment) image contents and the giro payment history information in a storage medium 155 in association with the customer identification information. As one of ordinary skill in the art to which the present invention pertains, a bank institution (or a receiving institution, or a collection institution) window-based payment of a bank for the search of the branch by referring to and / or modifying the drawings 4a and 4b. Various implementation methods for the process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 4A and 4B.

For example, in the method shown in FIGS. 4A and 4B, the window terminal 100 acquires a predetermined branch (or bill payment) image content corresponding to the branch (or bill payment section) through a predetermined image acquisition device. Alternatively, the user interface for inputting (or selecting) the giro payment information corresponding to the giro (or the utility bill payment unit) is illustrated and provided as being provided from the giro payment server 105, but is predetermined in the window terminal 100. If the information registration program is provided, the user interface may not be provided from the giro payment server 105, thereby the present invention is not limited.

In the following Figures 4a and 4b, the window terminal 100 shown in Figure 1 is referred to as "terminal" for convenience, and the branch payment server 105 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 4A and 4B, a branch and a bill containing a payment amount information, a billing institution information, and a payer number for a branch payment by a predetermined customer using a branch of a financial institution (or receiving institution or collection institution) When the amount is submitted, the teller terminal 100 shown in FIG. 1 connects to the server via a predetermined financial network and connects a predetermined communication channel, and corresponds to a financial institution corresponding to the branch (or bill payment department). Or a requesting user interface for payment of bills of land using a point window (receiving agency, or collection agency) (400), the server corresponding to the bill of land (or bill payment) corresponding to the billed bills (or bill payment department) in the terminal correspondingly. Is inputted (or selected), and a predetermined branch (or bill payment) image corresponding to the branch (or bill payment section) through a predetermined image acquisition device. To obtain a content generating a user interface for transmitting to the server (or extraction) and ◎ 405), and outputs the transmitting the generated (or extracted) user interface through the financial network to the mobile station (410).

Thereafter, the terminal inputs (or selects) giro payment information including one or more of the payment amount information, the billing institution information, and the payer number through the user interface (415).

If the giro payment information including one or more of the payment amount information, the billing institution information, and the payer number is input (or selected) through the user interface (◎ 420), the terminal acquires a predetermined image acquisition device based on the user interface. Through (425) to obtain the image content of the branch (or bill payment) corresponding to the branch (or bill payment) (425).

If image content corresponding to the branch (or bill payment) image is obtained through the image acquisition device (430), the terminal receives the branch payment information and branch (or bill payment) through the financial network. In step 435, image content is transmitted to the server.

Thereafter, the server receives and reads giro payment information including one or more of the payment amount information, the billing institution information, and the payer number through the financial network to confirm the validity of the giro payment information (440).

According to an embodiment of the present invention, the validation of the giro payment information is to check whether the giro payment information is valid in association with the billing institution server or EBPP (Electronic Bill Presentment & Payment) server associated with the giro payment system. It is preferable to comprise.

If the validity of the giro payment information is not authenticated (445), the server generates a predetermined giro payment error information and transmits it to the terminal (450), and does not perform the giro payment procedure through the giro payment information. .

On the other hand, if the validity of the giro payment information is authenticated (445), the server processes the giro payment for the giro (or bill payment department) through the giro payment information (455).

Those skilled in the art to which the present invention pertains will be familiar with the procedure for payment of giro through the giro payment information, detailed description thereof will be omitted for convenience.

If the branch payment is processed through the branch payment information (460), the server generates a predetermined branch payment electronic document including the branch (or bill payment) image contents (465).

According to the exemplary embodiment of the present invention, the server stores the image file including the giro (or bill payment) image content received from the window terminal 100 through the image receiving unit 125 as it is (the financial institution (or Receiving agency, or collection agency) It is preferable to process the electronic payment document for the payment of jiro using the branch window.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 120 in the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. The financial institution (or collection institution, or collection institution) branch window of an image file corresponding to the giro (or bill payment) image contents including at least one of information, billing institution information, and payer number in a watermarking manner. It is preferable to generate a giro payment electronic document for giro payment using.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF) including the branch (or bill payment) image content received from the window terminal 100 through the image receiving unit 125. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including one or more HWP / DOC, or web document file including MHT, etc. It is preferable to generate a paper payment electronic document for paying paper money using a branch office.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 120 in the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. Generate a giro (or bill payment) image content that includes one or more of information, billing agency information, and payer number in a watermarking manner, and includes the generated giro (or bill payment) image content. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including MHT), It is preferable to generate a jiro payment electronic document for giro payment using the financial institution (or receiving institution, or collection institution) branch window.

According to another exemplary embodiment of the present invention, the server receives the branch (or bill payment) image contents received from the window terminal 100 through the image receiving unit 125 and the information receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing the received Giro payment information, or an MHT. By generating a web document file, etc.), it is preferable to generate a giro payment electronic document for giro payment using the branch window of the financial institution (or storage institution or collection institution).

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 120 in the giro (or bill payment) image contents received from the window terminal 100 through the image receiver 125. Generate a giro (or bill payment) image content including at least one of information, billing agency information, and payer number in a watermarking manner, and generate the giro (or bill payment) image content and the giro payment 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 of HWP / DOC, etc.), a web document file including an MHT, and the like. To generate a paper payment electronic document for paper payment using the financial institution (or storage institution or collection institution) branch window. It is desirable.

Those skilled in the art to which the present invention pertains can provide a technical feature that the server generates a Jiro payment electronic document in an image file format and / or a predetermined document file format, and corresponds to the Jiro payment electronic document. Since you will be familiar with the technical features of the file format for image 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 the electronic document storage provided in the financial settlement agency (470).

As shown in FIG. 1, the electronic document storage is provided externally including a predetermined electronic document server 160 and an electronic document D / B 180 linked to a server on the branch payment system through a predetermined communication network. In this case, the server preferably transmits the generated branch payment electronic document to the electronic document server 160 through the communication network and stores the electronic document server 160 in the electronic document D / B 180.

Or, if the electronic document storage is provided on a DBMS provided in the branch payment system, the server is the electronic document storage corresponding to the electronic document storage on the DBMS provided in the branch payment system It is possible to store in the D / B 180, whereby the present invention is not limited.

According to the method of the present invention, storing the branch payment electronic document in the electronic document storage, the electronic document shown in Figure 1 by processing the generated branch payment electronic document and predetermined electronic document management information It is preferable to include storing in the D / B (180).

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.

The electronic document management information may further include information on a financial institution (or a storage institution, or a collection institution) that transmitted the branch payment electronic document.

In addition, the electronic document management information is a predetermined electronic document-related information (giro payment information corresponding to the giro (or bill payment department) corresponding to the giro (or bill payment) image content, financial institutions for transmitting the giro payment electronic document) (Or receiving institution or collection agency) information, electronic document file format information, giro payment history information, one or more) is preferably included.

If the giro payment electronic document is stored in the electronic document storage (475), the server through the giro (or bill payment) image content corresponding to the billed giro (or bill payment) image and through the giro payment information Giro payment history information corresponding to the results of the Giro payment is stored in the storage medium 155 by linking the customer identification information (480), and transmits the giro payment history information stored in the storage medium 155 to the terminal ( 485).

The giro (or bill payment) image content is a giro (for example, a financial institution (or a storage institution, or a collection institution) that has been paid through an image acquisition device provided at the branch of the financial institution (or storage institution or collection institution). ) The image content scanned by the paying clerk through the branch window). If the electronic document storage is provided in the financial institution (or the receiving institution or the collecting institution), the branch (or Bill payment) It may be replaced with a Giro payment electronic document including image contents.

According to the method of the present invention, the giro payment electronic document is attached to the electronic signature of the Giro payment agency corresponding to the branch of the branch of the financial institution (or storage institution, or collection institution) or an automated device. It is preferable to comprise a structure.

The giro payment history information, payment amount information corresponding to the giro payment information processed through the giro payment system, billing institution information, payer number and payment date and time information and financial institution (or receiving institution, or collection institution) branch information It is preferable to comprise a.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage medium Reference numeral 155 may be a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

5 is a diagram illustrating a branch payment system using an automated device 500 according to an embodiment of the present invention.

In more detail, Figure 5 shows a branch (or utility billing application) and a customer account that the customer includes the amount of payment information, the billing agency information, the payer number, or the electronic payment number indicated on the branch (or billing statement). When the card (or bank account) associated with the card is inserted into the automated device 500, the predetermined device (or the bill payment) corresponding to the branch (or bill payment department) through the predetermined image acquisition module in the automated device 500. Acquire image content, and read the customer account information (or card information associated with the customer account, hereinafter referred to as customer account information) through a card (or bank account) reader, and a Jiro recognition module (for example, OCR or MICR) Include one or more payment amount information, billing institution information, and payer number corresponding to the branch (or bill payment), or branch (or bill payment) After recognizing the giro payment information including the electronic payment number displayed in the document), and providing the giro payment information, customer account information and the giro (or bill payment) image contents obtained from the giro, the giro payment server 105 ) Process the payment of the paper corresponding to the customer account information and the payment information of the paper, and then generate a predetermined paper payment electronic document including the paper content of the paper (or bill payment) to the electronic document repository provided in the KFTC. The electronic document repository is a system configuration, and the electronic document repository is stored in the storage medium 155 in association with the customer identification information and the giro (or bill payment) image contents and the giro payment history information. Through the method is provided on the external system associated with the branch payment system through.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for the construction of the branch payment system using the automated device 500, but the present invention Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to store the electronic document (e.g., electronic document server 560 and electronic document D / B 580). Although illustrated as being provided in the Financial Services Agency, which oversees the business of the branch, the present invention is by no means limited, and the electronic document storage is provided in the financial institution (or the receiving institution or the collection institution), Alternatively, it is possible to be provided in the accredited institution affiliated with the financial settlement agency, and it will be apparent that the present invention is not limited by the location of the electronic document storage.

In addition, according to the implementation method shown in FIG. 5, although the electronic payment document corresponding to the branch (or bill payment department) is illustrated and described as being generated on the server side on the branch payment system, the present invention is limited thereto. The electronic payment document may be generated by the automated device 500 that acquires the image content of the business (or utility) image corresponding to the business (or utility) through a predetermined image acquisition module. , The electronic document generating function provided on the server side is provided in the automated device 500 to generate the branch payment electronic document), whereby the present invention is not limited thereto.

Hereinafter, on the giro payment system shown in FIG. 5, the giro payment information and the giro (or bill payment) image contents corresponding to the giro (or bill payment) are provided through a predetermined giro payment interface to receive a predetermined giro payment electronic document. A component corresponding to one or more means and / or functional configurations for generating and storing the electronic document storage provided in the KFTC and storing the giro payment information in a predetermined storage medium 155 for convenience. 105). "

Referring to FIG. 5 according to an embodiment of the present invention, a branch payment system for branch payment using the automated device 500 may be provided at one or more financial institutions (or storage institutions, or collection agencies) at branches (or branches). Characterized in that it comprises an automated device 500 including an automated device 500 is provided, the automated device 500 is a branch payment server 105 provided on the branch payment system through a predetermined financial network. ) And the communication channel are connected.

According to the implementation method of the present invention, the customer visits the financial institution (or storage institution, or collection institution) branch (business branch) for the branch payment using the automation device 500, and the financial institution (or storage institution). , Or collection agency) inputs a giro (or bill payment department) to the giro entrance provided in the automated device 500 provided at the branch (office), and the customer as a card (or bank account) reader provided in the automated device 500 It is preferable to insert the card (or bank account) associated with the account.

Subsequently, the automation device 500 includes one or more payment amount information, billing institution information, and payer number corresponding to the branch (or bill payment section) through a branch recognition module (eg, OCR or MICR), or branch ( Or recognize the payment information including the electronic payment number displayed on the bill payment bill, and scan the bill (or bill payment bill) through the image acquisition module to obtain a predetermined bill (or bill payment) image content, the card After reading the customer account information through the (or bank account) reader, the Jiro payment server provided on the branch payment system through the financial network through the giro payment information, the customer account information and the giro (or bill payment) image content ( 105).

Here, the automation device 500 preferably includes a bill acceptor used by an employee of the branch (or branch) of the financial institution (or storage institution, or collection agency), and is connected to the automation device 500. The payment server 105 preferably comprises a server (eg, a business support server, etc.) provided on the predetermined financial system, and connects the automation device 500 and the payment server 105. The financial network preferably comprises an existing network (or CD network) that connects the communication channel between the automation device 500 and the branch payment server 105.

In the branch payment system as described above, the image acquisition module, the branch recognition module and the card (or bank account) reader provided in the automated device 500 for the customer to pay the branch using the automated device 500. Performs the function of the Giro payment interface for registering Giro payment information.

The storage medium 155 provided on the giro payment system according to the present invention is processed after the giro payment through the giro payment information provided from the automation device 500, and then the image content of the giro (or bill payment) and Giro payment history information corresponding to the results of the Giro payment through the giro payment information is stored in association with the customer identification information.

The giro (or bill payment) image content is paid by the giro (for example, financial institutions (or storage institutions, or collection institutions) branch offices that have been paid through the image acquisition module provided in the automated device 500). It is preferable to include the image content scanned by the displayed paper), and when the electronic document storage is provided in the financial institution (or storage institution, or collection institution), the image containing the paper (or bill payment) image content is included. It may be replaced with a Giropayment electronic document.

According to the method of the present invention, the branch (or bill payment) image content corresponds to the branch of the financial institution (or storage institution, or collection institution) or the automated device 500, and is attached to the electronic signature of the payment provider. It is desirable to include a payment electronic document structure.

The giro payment history information includes payment amount information, billing institution information, payer number and payment date and time information, customer account information, financial institution (or collection institution, or collection) corresponding to the giro payment information processed through the giro payment system. Engine) preferably includes branch information.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage medium Reference numeral 155 may be a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

In other words, it is apparent that the storage medium 155 of the present invention is a functional name for supporting a search and is not limited to a physical name.

The branch payment server 105 provided on the branch payment system according to the present invention is a generic term for the branch payment system-side components connected to the automated device 500 through a predetermined financial network, and includes one or more servers (or Device) or one or more programs recorded on a recording medium provided in one server (or device), and the present invention is not limited thereto.

According to the method of the present invention, the branch payment server 105 is a branch payment support server connected to the automation device 500 through a predetermined financial network, or a ledger server provided on a financial system, or the financial It may be a server (or device) provided in the external system on the system, or a program related to Giro payment provided in the external system on the financial system, and the present invention is not limited thereto.

In other words, it is apparent that the giro payment server 105 of the present invention is a functional name for supporting the search of the giro, and is not limited to the physical name.

According to the method of the present invention, the branch payment server 105 is characterized in that it comprises an interface unit 510 for connecting and managing a predetermined communication channel with the automation device 500 through the financial network. .

According to an embodiment of the present invention, the interface unit 510 connects a predetermined communication channel with the automation device 500 based on the protocol stack defined in the financial network, and is provided in the automation device 500. It is desirable to provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a financial transaction related program.

Referring to FIG. 5, the branch payment server 105 recognizes the branch payment information corresponding to the branch (or bill payment department) through the branch recognition module in the automated device 500, and recognizes the card (or bank account) reader. When the customer account information is read and transmitted through the information receiving unit 515 for receiving the branch payment information and the customer account information transmitted from the automation device 500 in association with the interface unit 510 and the automated device ( If 500 acquires and transmits the image content (or bill payment) corresponding to the bill (or bill payment) that has been processed through the image acquisition module at 500, the bill (pay bill) is linked with the interface unit 510. It is characterized in that it comprises an image receiving unit 520 for receiving the giro (or bill payment) image content corresponding to).

The automated device 500 recognizes the giro payment information corresponding to the giro (or bill payment department) through the giro recognition module, and reads and transmits the customer account information through the card (or bank account) reader. The information receiving unit 515 receives the branch payment information and the customer account information transmitted from the automated device 500 in association with the interface unit 510.

In addition, the automated device 500 acquires the image of the branch (or the bill payment) image corresponding to the branch (or the bill payment department) that has been paid through the image acquisition module, and obtains the obtained branch (or the bill payment) image content. The image reception unit 520 is transmitted to the branch payment server 105 through the financial network, and in response thereto, the image receiving unit 520 is connected to the interface unit 510 and corresponds to the branch (or utility bill payment department). ) Receiving the image content.

According to another exemplary embodiment of the present invention, the automation device 500 automatically acquires image content corresponding to a branch (or a bill payment) that has been processed through a predetermined image acquisition module and is automated. When previously stored in a predetermined storage device provided in (or associated with) the device 500, one or more branches (or bill payment) image contents previously stored in the storage device are stored in the billed bill (or bill payment book). The corresponding giro (or bill payment) image content is selected and transmitted to the giro payment server 105 through the financial network. In response thereto, the image receiving unit 520 is connected to the interface unit 510 in the giro. It is desirable to receive the giro (or bill payment) image content corresponding to the bill payment bill (or bill payment department).

According to another embodiment of the present invention, the branch (or bill payment) image content corresponding to the bill (or bill payment) and the bill corresponding to the bill (or bill payment) in the automated device 500 and the bill corresponding to the bill (or bill payment) When the payment information and the customer account information are transmitted together, the information receiver 515 cooperates with the interface unit 510 to display the image content of the giro (or bill payment) and the giro payment information corresponding to the giro (or bill payment department). It is possible to receive together (for example, the image receiving unit 520 is integrated into the information receiving unit 515 and operated), thereby the present invention is not limited.

Referring to FIG. 5, when the branch payment server 105 receives the branch payment information and the customer account information transmitted from the automated device 500 through the information receiving unit 515, the received branch payment information is received. To confirm whether the payment for the payment using the automated device 500 satisfies the validity checking unit 525 and the received customer account information satisfies the validity for payment using the automated device 500. It is characterized by comprising an account validity verification unit 530 to check whether.

According to an embodiment of the present invention, the validation of the giro payment information is to check whether the giro payment information is valid in association with the billing institution server or EBPP (Electronic Bill Presentment & Payment) server associated with the giro payment system. It is preferable to comprise.

According to the embodiment of the present invention, the validity of the customer account information is linked to a financial system equipped with a ledger corresponding to the customer account, the balance of more than the payment amount corresponding to the giro payment information is deposited in the customer account It is preferable to include checking whether there is.

Referring to FIG. 5, the giro payment server 105 receives the giro (or bill payment) image contents, the giro payment information, and the customer account information transmitted from the automated device 500 through the image receiving unit 520. When the validity of the giro payment information and the customer account information is authenticated through the giro validity confirming unit 525 and the account validity confirming unit 530, the payment amount information corresponding to the giro payment information is transferred from the customer account. It is characterized in that it comprises a giro payment processing unit 535 for withdrawing the corresponding amount of money to process the giro payment.

Those skilled in the art to which the present invention pertains, since they will be familiar with the procedure for paying the giro (or bill payment department) corresponding to the giro payment information through the customer account, a detailed description thereof is omitted for convenience. Let's do it.

Referring to FIG. 5, the branch payment server 105 receives the branch (or bill payment) image content transmitted from the automated device 500 through the image receiving unit 520, and the branch payment processing unit 535. An electronic document generation unit 540 for generating a predetermined branch payment electronic document including the received branch (or bill payment) image content when the branch payment is processed for the branch payment information; It is characterized in that the electronic document transmission unit 545 for transmitting the electronic document payment to the electronic document storage associated with the Jiro payment system, this figure 5 is a finance that the electronic document repository is in charge of the Jiro-related business It demonstrates and demonstrates what is equipped in the payment center.

The electronic document generation unit 540 generates a branch payment electronic document including the branch (or bill payment) image content received from the automation device 500 through the image receiving unit 520.

According to an exemplary embodiment of the present invention, the electronic document generator 540 may generate an image file including the branch (or bill payment) image content received from the automated device 500 through the image receiver 520. It is preferable to process the electronic bill payment electronic document for payment of the jiro using the automated device 500 as it is.

Alternatively, the electronic document generation unit 540 receives the branch payment received through the information receiving unit 515 on the branch (or bill payment) image content received from the automation device 500 through the image receiving unit 520. Using the automated device 500, an image file corresponding to a giro (or bill payment) image content including at least one of payment amount information, billing institution information, and payer number included in the information by a watermarking method is used. It is desirable to create a Giro Payment electronic document for Giro Payment.

According to another exemplary embodiment of the present invention, the electronic document generating unit 540 includes a predetermined image content of the branch (or bill payment) image received from the automation device 500 through the image receiving unit 520. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including MHT), It is preferable to generate a paper payment electronic document for paper payment using the automated device 500.

Alternatively, the electronic document generation unit 540 receives the branch payment received through the information receiving unit 515 on the branch (or bill payment) image content received from the automation device 500 through the image receiving unit 520. Generate a giro (or bill payment) image content including watermarking information, billing institution information, and payer number included in the information by a watermarking method, and generate the giro (or bill payment) image. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing content, or a web document file including an MHT. Etc.), it is preferable to generate a giro payment electronic document for giro payment using the automated device 500.

According to another embodiment of the present invention, the electronic document generating unit 540 is the branch (or bill payment) image content and the information receiving unit received from the automated device 500 through the image receiving unit 520 A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) containing the Giro payment information received through the 515, a word processor file , Or a web document file including MHT), it is preferable to generate a paper payment electronic document for paper payment using the automated device 500.

Alternatively, the electronic document generation unit 540 receives the branch payment received through the information receiving unit 515 on the branch (or bill payment) image content received from the automation device 500 through the image receiving unit 520. Generate a giro (or bill payment) image content including watermarking information, billing institution information, and payer number included in the information by a watermarking method, and generate the giro (or bill payment) image. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing contents and the payment information, or an MHT. By generating a web document file, etc.), it is preferable to generate a giro payment electronic document for giro payment using the automated device 500. .

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 transmission unit 545 transmits the electronic document payment electronic document generated by the electronic document generation unit 540 to an electronic document repository provided in the financial settlement center associated with the branch payment system. It is done.

As shown in FIG. 5, the electronic document storage unit stores a predetermined electronic document server 560 and an electronic document D / B 580 associated with the branch payment server 105 on the branch payment system through a predetermined communication network. Including the externally provided, the electronic document transmission unit 545 transmits the branch payment electronic document generated by the electronic document generation unit 540 to the electronic document server 560 through the communication network. It features.

In this case, when the electronic document server 560 and the electronic document D / B 580 are provided outside the branch payment 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 branch payment system, the electronic document transmission unit 545 is the branch generated by the electronic document generation unit 540. It is possible to store the payment electronic document in the electronic document D / B 580 corresponding to the electronic document storage on the DBMS provided in the branch payment system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 545 is configured to display electronic document-related information (the giro (or bill payment) image content) for generating predetermined electronic document management information in the electronic document server 560. Giro payment information and customer account information corresponding to the corresponding giro (or bill payment department), the financial institution (or storage institution or collection institution) information transmitting the giro payment electronic document, electronic document file format information, giro payment history information It is possible to transmit to the electronic document storage, including one or more), whereby the present invention is not limited.

Referring to FIG. 5, after the branch payment server 105 processes the branch payment corresponding to the branch payment information by the branch payment processing unit 535, the branch payment server 105 displays the contents of the branch (or bill payment) image and the branch payment information. It is characterized in that it comprises the information storage unit 550 for storing in the storage medium 155 in connection with the customer identification information, the payment information of the Giro payment corresponding to the Giro payment results.

After the branch payment processing corresponding to the branch payment information is processed by the branch payment processing unit 535, the information storage unit 550 corresponds to the processed branch (or bill payment department) received from the automated device 500. Giro (or bill payment) image content and the giro payment history information corresponding to the giro payment results through the giro payment information is stored in the storage medium 155 by processing the customer identification information.

The giro (or bill payment) image content is paid by the giro (for example, financial institutions (or storage institutions, or collection institutions) branch offices that have been paid through the image acquisition module provided in the automated device 500). It is preferable to include the image content scanned by the displayed paper), and when the electronic document storage is provided in the financial institution (or storage institution, or collection institution), the image containing the paper (or bill payment) image content is included. It may be replaced with a Giropayment electronic document.

According to the method of the present invention, the branch (or bill payment) image content corresponds to the branch of the financial institution (or storage institution, or collection institution) or the automated device 500, and is attached to the electronic signature of the payment provider. It is desirable to include a payment electronic document structure.

The giro payment history information includes payment amount information, billing institution information, payer number and payment date and time information, customer account information, financial institution (or collection institution, or collection) corresponding to the giro payment information processed through the giro payment system. Engine) preferably includes branch information.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include at least one payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage medium Reference numeral 155 may be a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

Referring to FIG. 5, an electronic document server which receives a predetermined branch payment electronic document from the branch payment server 105 provided on the branch payment system and stores and manages it in a predetermined electronic document D / B 580 ( An electronic document receiving unit 565 for receiving a predetermined branch payment electronic document from the branch payment server 105 via the communication network, and the received branch payment electronic document to the electronic document D / B 580. An information generation unit 570 for generating predetermined electronic document management information for storing and managing, and storing the electronic document management information and the branch payment electronic document in a predetermined electronic document D / B 580. It is characterized by comprising an electronic document storage unit 575.

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 payment server 105 through the communication network.

According to one embodiment of the present invention, the branch payment electronic document received by the electronic document receiving unit 565 through the communication network is the branch (or utility bill payment) received by the branch payment server 105 from the automation device 500. ) Preferably includes an image file including image content as it is.

Alternatively, the branch payment electronic document received by the electronic document receiving unit 565 through the communication network is included in the branch (or bill payment) image content received by the branch payment server 105 from the automation device 500. It is preferable to include an image file corresponding to a giro (or bill payment) image content that includes at least one of payment amount information, billing institution information, and payer number included in the payment information in a watermarking manner.

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 network is received by the branch payment server 105 from the automation device 500 (or utility bill). Payment) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing image content, or an MHT. Web document files).

Alternatively, the giro payment electronic document received by the electronic document receiving unit 565 through the communication network is the giro payment to the giro (or bill payment) image content that the giro payment server 105 receives from the automation device 500. A predetermined document file (e.g., Portable Document (PDF) containing giro (or bill payment) image content including watermarking information including at least one of payment amount information, billing agency information, and payer number included in the information. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including one or more HWP / DOC, or a web document file including MHT).

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 network is received by the branch payment server 105 from the automation device 500 (or Billing Payment) A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing at least one image content and the branch payment information. , Or a web document file including MHT).

Alternatively, the giro payment electronic document received by the electronic document receiving unit 565 through the communication network is the giro payment to the giro (or bill payment) image content that the giro payment server 105 receives from the automation device 500. Giro (or bill payment) image contents including one or more of the payment amount information, billing institution information, and payer number included in the information by watermarking, and a predetermined document file including the giro payment information (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including 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 server 105 which transmits the branch payment electronic document received through the electronic document receiving unit 565, and the branch payment electronic document. It is preferable to check the financial institution (or the receiving institution, or the collection institution) that has transmitted the information, and to generate the electronic document management information further including the identified financial institution (or the receiving institution or the collection institution) information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the branch payment server 105 through the electronic document receiving unit 565, the information generating unit 570 receives the received information. Electronic document-related information (such as giro payment information and customer account information corresponding to the giro (or bill payment department) corresponding to the giro (or bill payment) image content, the financial institution (or receiving institution, or transmitting institution that transmits the giro payment electronic document) It is preferable to generate the electronic document management information further including the collection agency) information, the electronic document file format information, and one or more giro payment history 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 an 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 payment server 105 from the automation device 500. It is preferable that the image file including the received (or bill payment) image content is included as it is.

Alternatively, the branch payment electronic document stored in the electronic document D / B 580 by the electronic document storage unit 575 is the branch (or utility bill) received by the branch payment server 105 from the automation device 500. Image file corresponding to the giro (or bill payment) image content that includes at least one of payment amount information, billing institution information, and payer number included in the giro payment information in a watermarking manner. It is preferable to comprise.

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 payment server 105 of the automated device 500. Word containing one or more of a predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content (or bill payment) image received from Processor file, 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 a branch (or bill payment unit) received by the branch payment server 105 from the automation device 500. ) A predetermined document file including giro (or bill payment) image contents including at least one of payment amount information, billing institution information, and payer number included in the giro payment information in the image contents by a watermarking method. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). Do.

According to another 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 payment server 105 is the automated device 500 A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the contents of the giro (or bill payment) image and the giro payment information. And at least one word processor file or 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 a branch (or bill payment unit) received by the branch payment server 105 from the automation device 500. ) The image content includes the giro (or bill payment) image content and the giro payment information including at least one of payment amount information, billing institution information, and payer number included in the giro payment information by watermarking. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

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 to further include information on the financial institution (or the receiving institution, or the collection institution) that has transmitted the electronic payment document confirmed with reference to the giro payment server 105 that transmits the.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the branch payment server 105, the electronic document storage unit 575 processes the electronic document storage in association with the branch payment electronic document. The electronic document management information stored in the document D / B 580 may include, for example, giro payment information and a customer corresponding to the giro (or bill payment department) corresponding to the received electronic document related information (the giro (or bill payment) image content. It is preferable to further include the account information, the financial institution (or receiving institution, or collection institution) information for transmitting the Jiro payment electronic document, electronic document file format information, one or more giro payment history information.

6A and 6B are diagrams illustrating a process of paying a branch based on an automated device 500 for searching a branch according to an exemplary embodiment of the present invention.

More specifically, Figures 6A and 6B show a branch (or utility billing application) in which the customer includes payment information, billing agency information, one or more payer numbers, or an electronic payment number indicated on a branch (or billing statement). And a card (or bank account) associated with a customer account into the automated device 500, the automated device 500 corresponds to the branch (or bill payment department) through a branch recognition module (eg OCR or MICR). Recognize the Giro payment information, including one or more of the payment amount information, billing agency information, payer number, or electronic payment number indicated on the Giro (or utility billing), and through the card (or bank account) reader, the customer account After reading the information, if the giro payment information and customer account information is transmitted to the giro payment server 105, the giro payment server 105 through the customer account After processing the payment of the giro (or bill payment department) corresponding to the giro payment information and providing the giro payment details information corresponding to the results of the giro payment to the automation device 500, the image acquisition module in the automation device 500 When a predetermined branch (or bill payment) image content corresponding to the branch (or bill payment) is obtained and provided to the branch payment server 105, the branch (or bill payment) is sent from the branch payment server 105. ) Generate a predetermined payment document electronic document containing the image content and process it to be stored in the electronic document storage provided in the KFTC, and by linking the information (the bill payment) image content and payment history information with customer identification information As a method of storing the storage medium 155, those skilled in the art to which the present invention pertains, 6A and 6B may be inferred by various methods of inferring the automated apparatus 500-based jiro payment process for searching the jiro by referring to and / or modifying the present invention. However, the present invention is not limited to the embodiment shown in FIGS. 6A and 6B.

For example, in the embodiment shown in FIGS. 6A and 6B, the automated device 500 illustrates the payment of the branch payment information and the customer account information to the branch payment server 105 through a single transaction. Accordingly, the present invention is not limited thereto, and it is apparent that the giro payment information and the customer account information can be sequentially transmitted to the giro payment server 105 in a predetermined order.

In the following Figures 6a and 6b, the branch payment server 105 shown in Figure 5 is referred to as "server" for convenience.

Referring to Figures 6a and 6b, a customer may include one or more payment information, billing agency information, one or more payer numbers, or an electronic billing number (or utility billing application) as indicated on the giro (or bill payer). When the card (or bank account) associated with the customer's account is inserted into the automated device 500, the automated device 500 receives payment amount information, billing agency information, and the like corresponding to the branch (or bill payment department) through the branch recognition module. Recognizing the giro payment information including one or more payer numbers or the electronic payment number indicated on the giro (or bill payment) (600).

If the giro payment information is recognized (605), the automated device 500 reads the customer account information through the card (or bank account) reader (610).

If the customer account information is read (615), the automated device 500 connects the communication channel with the server through a financial network (620), and the branch payment information and the customer account to the server through the financial network. The information is transmitted (625).

Subsequently, the server receives giro payment information including one or more of the payment amount information, billing institution information, and the payer number, or the electronic payment number, and the customer account information for processing the giro payment through the financial network. And it reads to check the validity of the payment information and the customer account information (630).

According to an embodiment of the present invention, the validation of the giro payment information is to check whether the giro payment information is valid in association with the billing institution server or EBPP (Electronic Bill Presentment & Payment) server associated with the giro payment system. It is preferable to comprise.

According to the embodiment of the present invention, the validity of the customer account information is linked to a financial system equipped with a ledger corresponding to the customer account, the balance of more than the payment amount corresponding to the giro payment information is deposited in the customer account It is preferable to include checking whether there is.

If the validity of the giro payment information and the customer account information is not authenticated (635), the server generates a predetermined giro payment error information and transmits it to the automated device 500 (640), the giro payment information Do not perform the Giro Payment Procedure.

On the other hand, if the validity of the giro payment information is authenticated (635), the server processes the giro payment corresponding to the giro payment information through the customer account (645).

Those skilled in the art to which the present invention pertains, since they will be familiar with the procedure for paying the giro (or bill payment department) corresponding to the giro payment information through the customer account, a detailed description thereof is omitted for convenience. Let's do it.

If the giro payment corresponding to the giro payment information is processed through the customer account (650), the server transmits the giro payment history information corresponding to the result of the giro payment to the automated device 500 (655), corresponding to In operation 660, the automation device 500 acquires the branch (or bill payment) image contents corresponding to the branch (or bill payment section) through the image acquisition module (660).

If image content corresponding to the branch (or bill payment) image is acquired through the image acquisition module (or bill payment) (665), the automated device 500 is the obtained branch (or through the financial network). Billing payment) transmits the image content to the server (670).

The server receiving the giro payment information and the giro (or bill payment) image contents from the automated device 500 generates a predetermined giro payment electronic document including the giro (or bill payment) image contents (675). .

According to an exemplary embodiment of the present invention, the server is configured to directly display an image file including the branch (or bill payment) image content received from the automation device 500 through the image receiving unit 520 as the automation device 500. It is preferable to process the electronic document for electronic bill payment for electronic bill payment.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 515 in the giro (or bill payment) image content received from the automated device 500 through the image receiver 520. Giro payment for giro payment using the automation device 500 to the image file corresponding to the giro (or bill payment) image content including at least one of information, billing agency information, payer number in a watermarking (Watermarking) method It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a bill file) including content of the branch (or bill payment) image received from the automation device 500 through the image receiving unit 520. The automated device 500 by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including one or more HWP / DOC, or a web document file including MHT). It is preferable to generate a giro payment electronic document for giro payment.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 515 in the giro (or bill payment) image content received from the automated device 500 through the image receiver 520. Generate a giro (or bill payment) image content that includes one or more of information, billing agency information, and payer number in a watermarking manner, and includes the generated giro (or bill payment) image content. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including MHT), It is preferable to generate a giro payment electronic document for giro payment using the automated device 500.

According to another exemplary embodiment of the present invention, the server receives the giro (or bill payment) image content and the information receiver 515 received from the automated device 500 through the image receiver 520. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing the payment information, or an MHT. By generating a web document file, etc.), it is preferable to generate a giro payment electronic document for giro payment using the automated device 500.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 515 in the giro (or bill payment) image content received from the automated device 500 through the image receiver 520. Generate a giro (or bill payment) image content including at least one of information, billing agency information, and payer number in a watermarking manner, and generate the giro (or bill payment) image content and the giro payment 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 of HWP / DOC, etc.), a web document file including an MHT, and the like. By generating a), it is preferable to generate a bill payment electronic document for bill payment using the automated device 500.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate a Jiro payment electronic document in an image file format and / or a predetermined document file format and correspond to the Jiro payment electronic document. Since you will be familiar with the technical features of the file format for image 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 an electronic document storage provided in the financial settlement agency (680).

As shown in FIG. 5, the electronic document storage is provided externally including a predetermined electronic document server 560 and an electronic document D / B 580 linked with a server on the branch payment system through a predetermined communication network. In this case, the server preferably transmits the generated branch payment electronic document to the electronic document server 560 via the communication network and stores the electronic document server 560 in the electronic document D / B 580.

Or, if the electronic document storage is provided on a DBMS provided in the branch payment system, the server is the electronic document storage corresponding to the electronic document storage on the DBMS provided in the branch payment 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.

The electronic document management information may further include information on a financial institution (or a storage institution, or a collection institution) that transmitted the branch payment electronic document.

In addition, the electronic document management information includes a predetermined electronic document-related information (such as giro payment information and customer account information corresponding to the giro (or bill payment department) corresponding to the giro (or bill payment) image content), the giro payment electronic document Financial institution (or receiving institution, or collection agency) information, electronic document file format information, including the one or more information of the payment history is preferably made to further comprise.

If the giro payment electronic document is stored in the electronic document storage (685), the server is a giro (or bill payment) image content and giro payment information corresponding to the billed giro (or bill payment department) Through the process of linking the customer payment information to the payment information of the Jiro payment through the giro payment through the storage medium (155) (690), and stored in the storage medium 155 the giro payment history information stored in the automated device Transmit to 500 (695).

The giro (or bill payment) image content is paid by the giro (for example, financial institutions (or storage institutions, or collection institutions) branch offices that have been paid through the image acquisition module provided in the automated device 500). It is preferable to include the image content scanned by the displayed paper), and when the electronic document storage is provided in the financial institution (or storage institution, or collection institution), the image containing the paper (or bill payment) image content is included. It may be replaced with a Giropayment electronic document.

According to the method of the present invention, the branch (or bill payment) image content corresponds to the branch of the financial institution (or storage institution, or collection institution) or the automated device 500, and is attached to the electronic signature of the payment provider. It is desirable to include a payment electronic document structure.

The giro payment history information includes payment amount information, billing institution information, payer number and payment date and time information, customer account information, financial institution (or collection institution, or collection) corresponding to the giro payment information processed through the giro payment system. Engine) preferably includes branch information.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage medium Reference numeral 155 may be a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

7A and 7B are diagrams illustrating a process of paying a branch based on an automated device 500 for searching a branch according to another exemplary embodiment of the present invention.

More specifically, Figures 7a and 7b include a branch (or utility billing application) in which the customer includes payment information, billing agency information, payer number, or an electronic payment number as indicated on the branch (or billing statement). And a card (or bank account) associated with a customer account to the automated device 500, the automated device 500 corresponds to the branch (or bill payment department) through a branch recognition module (eg, OCR or MICR). Recognize Giro payment information including payment amount information, billing agency information, payer number, or electronic payment number indicated on Giro (or utility billing), and through the card (or bank account) reader, the customer account information Reads a predetermined index (or bill payment) image content corresponding to the branch (or bill payment) through the image acquisition module When provided to the giro payment server 105, the giro payment server 105 pays the giro (or bill payment) corresponding to the giro payment information through the customer account through the giro (or bill payment) image Generates a predetermined giro payment electronic document containing the contents to be stored in the electronic document storage provided in the KFTC, and stores the giro (or bill payment) image content and giro payment history information in association with the customer identification information An embodiment of the present invention relates to an embodiment of the present invention. If the person of ordinary skill in the art of the present invention belongs to the present invention, the automated apparatus 500 for searching the branch by referring to and / or modifying the drawings 7a and 7b. Although various implementation methods for the base giro payment process may be inferred, the present invention encompasses all the implementation methods inferred from the above, and as shown in FIG. It is not limited to the exemplary method shown in side 7b.

For example, in the implementation method illustrated in FIGS. 7A and 7B, the branch payment server 105 performs branch payment information, customer account information, and branch (or bill payment) image contents in the automated device 500 through a single transaction. Although the present invention is not limited to this, the present invention is not limited thereto, and the giro payment information, the customer account information, and the giro (or bill payment) image contents are sequentially provided according to a predetermined order. It is clear that it is possible to transmit to 105).

7A and 7B, the branch payment server 105 shown in FIG. 5 is referred to as " server " for convenience.

Referring to Figures 7a and 7b, the customer may include one or more payment information, billing agency information, payer number, or an electronic billing number (or utility billing application) as indicated on the charter (or billing statement). When the card (or bank account) associated with the customer's account is inserted into the automated device 500, the automated device 500 receives payment amount information, billing agency information, and the like corresponding to the branch (or bill payment department) through the branch recognition module. Recognizing the giro payment information including one or more payer numbers, or the electronic payment number indicated on the giro (or bill payment) (700).

If the giro payment information is recognized (705), the automated device 500 reads the customer account information through the card (or bank account) reader (710).

If the customer account information is read (715), through the image acquisition module to acquire the image content of the branch (or bill payment) corresponding to the branch (or bill payment) (720).

If image content corresponding to the branch (or bill payment) image is obtained through the image acquisition module (725), the automation device 500 connects the communication channel with the server through a financial network. In operation 730, the branch payment information, the customer account information, and the branch (or bill payment) image contents are transmitted to the server through the financial network (735).

Subsequently, the server receives giro payment information including one or more of the payment amount information, billing institution information, and the payer number, or the electronic payment number, and the customer account information for processing the giro payment through the financial network. And it reads and confirms the validity of the giro payment information and customer account information (740).

According to an embodiment of the present invention, the validation of the giro payment information is to check whether the giro payment information is valid in association with the billing institution server or EBPP (Electronic Bill Presentment & Payment) server associated with the giro payment system. It is preferable to comprise.

According to the embodiment of the present invention, the validity of the customer account information is linked to a financial system equipped with a ledger corresponding to the customer account, the balance of more than the payment amount corresponding to the giro payment information is deposited in the customer account It is preferable to include checking whether there is.

If the validity of the giro payment information and the customer account information is not authenticated (745), the server generates a predetermined giro payment error information and transmits it to the automated machine 500 (750), the giro payment information Do not carry out the Giro payment procedure.

On the other hand, if the validity of the giro payment information is authenticated (745), the server processes the giro payment corresponding to the giro payment information through the customer account (755).

Those skilled in the art to which the present invention pertains, since they will be familiar with the procedure for paying the giro (or bill payment department) corresponding to the giro payment information through the customer account, a detailed description thereof is omitted for convenience. Let's do it.

If the branch payment corresponding to the branch payment information is processed through the customer account (760), the server generates a predetermined branch payment electronic document including the branch (or bill payment) image content (765).

According to an exemplary embodiment of the present invention, the server is configured to directly display an image file including the branch (or bill payment) image content received from the automation device 500 through the image receiving unit 520 as the automation device 500. It is preferable to process the electronic document for electronic bill payment for electronic bill payment.

Alternatively, the server pays the giro (or bill payment) image contents received from the automation device 500 through the image receiver 520 and included in the giro payment information received through the information receiver 515. Jiro for paying the image file corresponding to the (or bill payment) image content that includes at least one of the amount information, billing agency information, payer number by watermarking method (or bill payment) image content using the automated device 500 It is desirable to create a payment electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF) including content of the branch (or bill payment) image received from the automation device 500 through the image receiving unit 520. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including one or more HWP / DOC, or web document file including MHT) It is preferable to generate a giro payment electronic document for giro payment using.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 515 in the giro (or bill payment) image content received from the automated device 500 through the image receiver 520. Generate a giro (or bill payment) image content that includes one or more of information, billing agency information, and payer number in a watermarking manner, and includes the generated giro (or bill payment) image content. By generating a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to generate a giro payment electronic document for giro payment using the automated device 500.

According to another exemplary embodiment of the present invention, the server receives the giro (or bill payment) image content and the information receiver 515 received from the automated device 500 through the image receiver 520. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc.) containing the payment information, or an MHT. By generating a web document file, etc.), it is preferable to generate a giro payment electronic document for giro payment using the automated device 500.

Alternatively, the server pays the amount of money included in the giro payment information received through the information receiver 515 in the giro (or bill payment) image content received from the automated device 500 through the image receiver 520. Generate a giro (or bill payment) image content including at least one of information, billing agency information, and payer number in a watermarking manner; 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 of HWP / DOC, etc.), a web document file including an MHT, and the like. By generating a), it is preferable to generate a bill payment electronic document for bill payment using the automated device 500.

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 the electronic document storage provided in the financial settlement center (770).

As shown in FIG. 5, the electronic document storage is provided externally including a predetermined electronic document server 560 and an electronic document D / B 580 linked with a server on the branch payment system through a predetermined communication network. In this case, the server preferably transmits the generated branch payment electronic document to the electronic document server 560 via the communication network and stores the electronic document server 560 in the electronic document D / B 580.

Or, if the electronic document storage is provided on a DBMS provided in the branch payment system, the server is the electronic document storage corresponding to the electronic document storage on the DBMS provided in the branch payment 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.

The electronic document management information may further include information on a financial institution (or a storage institution, or a collection institution) that transmitted the branch payment electronic document.

In addition, the electronic document management information is the electronic payment information and customer account information corresponding to the predetermined electronic document-related information (the Jiro (or bill payment department) corresponding to the Jiro (or bill payment) image content) Financial institution (or receiving institution, or collection agency) for transmitting the information, the electronic document file format information, including the one or more giro payment history information is preferably made.

If the giro payment electronic document is stored in the electronic document storage (775), the server is the giro (or bill payment) image content and giro payment information corresponding to the billed giro (or bill payment) By processing the customer payment information associated with the payment results of the Jiro payment through the link through the customer identification information stored in the storage medium 155 (780), the payment information stored in the storage medium 155 stored in the automated device ( 500) (785).

The giro (or bill payment) image content is paid by the giro (for example, financial institutions (or storage institutions, or collection institutions) branch offices that have been paid through the image acquisition module provided in the automated device 500). It is preferable to include the image content scanned by the displayed paper), and when the electronic document storage is provided in the financial institution (or storage institution, or collection institution), the image containing the paper (or bill payment) image content is included. It may be replaced with a Giropayment electronic document.

According to the method of the present invention, the branch (or bill payment) image content corresponds to the branch of the financial institution (or storage institution, or collection institution) or the automated device 500, and is attached to the electronic signature of the payment destination. It is desirable to include a payment electronic document structure.

The giro payment history information includes payment amount information, billing institution information, payer number and payment date and time information, customer account information, financial institution (or collection institution, or collection) corresponding to the giro payment information processed through the giro payment system. Engine) preferably includes branch information.

The customer identification information may include a resident registration number (or part of a resident registration number and a customer's name), a mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in a mobile phone), a phone number, an account number (or a part of an account number) of the customer. Password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

According to an embodiment of the present invention, the customer identification information includes one or more information confirmed from a customer ledger provided in the financial institution (or a receiving institution or a collection institution), or information registered through a separate information registration system. It is preferable to make it.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the branch payment system (or associated with the branch payment system), wherein the storage The medium 155 may be a ledger D / B provided in a 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 exemplary embodiment of the present invention, the storage medium 155 is connected to a DBMS on at least one of an internet banking system, and / or a telebanking system, a wireless banking system, and a TV banking system associated with the branch payment system. It is possible to be provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 may be a database for supporting a paper payment search provided on the paper payment system, and the present invention is not limited thereto.

8 is a diagram showing a giro payment search system according to an embodiment of the present invention.

In more detail, in FIG. 8, when the customer terminal 800 having one or more browser programs is connected to the branch payment search server 805 using a Hyper-Text Transfer Protocol (HTTP) compatible protocol, the branch payment search server ( 805 generates (or extracts) a web page including a search interface to search for a paper paid in step 805, and provides the web page to the customer terminal 800, and the customer identification information and the information through the search network in the customer terminal 800. When the user inputs (or selects) the giro search information and transmits it, the giro (or the bill payment) image contents of the giro (or the bill payer) paid by the giro payment search server 805 through the customer identification information and the giro search information. As to the system configuration to provide to the customer terminal 800 to check, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying page 8, it is possible to infer various implementation methods for the construction of the giropayment retrieval system, but the present invention includes all the implementation methods inferred, and is limited to the implementation method shown in FIG. Not.

Referring to FIG. 8 according to an embodiment of the present invention, the branch payment search system includes one or more browser programs, the customer terminal 800 connected to a communication network through the browser program, and the customer through the communication network. Connected to the terminal 800, when the customer terminal 800 is connected through the communication network, the customer terminal 800 by generating (or extracting) a web page including a search interface for searching the paid paper If the customer terminal 800 is input (or selected) and transmitted to the customer identification information and the Jiro search information through the Jiro search interface from the customer terminal 800, the giro (or utility bill payment department) paid through the customer identification information and Jiro search information Including a giro payment search server 805 to check the giro (or bill payment) image content to provide to the customer terminal (800) Characterized in that made.

In FIG. 8, the branch payment search server 805 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the branch payment search server 805 is provided for each component. It is possible to be implemented in the form of two or more server groups, the present invention is characterized in that it comprises all the possible inference method. That is, the giro payment search server 805 of the present application includes a functional name for providing the giro (or bill payment) image contents for the paid giro (or bill payment department) to the customer terminal 800, and the physical name. It is clearly to be understood that the present invention is not limited thereto.

The customer terminal 800 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), cable communication network). A mobile communication terminal including at least one wired terminal including a desktop computer or a laptop connected to the branch payment search server 805 or connected to a code division multiple access (CDMA) based mobile communication network; or IP-contained by at least one wireless terminal including at least one or more portable Internet terminals connected to the IEEE 802.16x-based high-speed wireless Internet, or capable of bi-directional communication through any one of the wired and wireless communication networks. At least one TV device (not shown) including at least one TV or digital TV or DMB And a browser program for receiving and outputting a web page including a search interface for searching the paid paper through the communication network.

Those of ordinary skill in the art to which the present invention pertains will be familiar with the technical features of the customer terminal 800 including at least one of the wired terminal or the wireless terminal or a TV device (not shown). Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the branch payment search server 805 operates a web page including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the customer terminal 800. And a database for storing data, wherein the database is provided in a database management system (DBMS) associated with the branch payment search server 805.

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided to the customer terminal 800 from the giro payment search server 805. (Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the customer terminal 800 is Preferably, the tag string (or a combination of tag strings) is generated.

According to another exemplary embodiment of the present invention, a web page source included in the web page operation data may be a web document source file corresponding to a web page to be provided to the customer terminal 800 from the giro payment search server 805. (Eg, a web document source file including one or more tag strings and scripts and information content corresponding to the web page contents), in which case the web page provided to the customer terminal 800 is one. One or more web document source files (e.g., a web page without frames, one web document source file, or a web page consisting of two or more frames, one frame web document source file and two or more webs corresponding to each frame). Document source files).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

Referring to FIG. 8, the branch payment search server 805 provides a web page to the customer terminal 800 using an HTTP compatible protocol corresponding to the communication network, or provides a web page provided to the customer terminal 800. And a web interface unit 810 for connecting and managing a web interface for receiving various information input (or selected) from the customer terminal 800 based on a GET / POST method.

According to an embodiment of the present invention, when the customer terminal 800 is a wired terminal in which a communication channel is connected through a TCP / IP-based wired communication network, the web interface unit 810 may communicate with the customer terminal 800 and TCP /. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) is connected to the client terminal 800 through the communication channel. It is preferable to interface so that a web page in the form of) is provided or to receive information input from the customer terminal 800 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the customer terminal 800 is a wireless terminal connected to a communication channel through a CDMA / WCDMA based wireless communication network, the web interface unit 810 may connect the CDMA to the customer terminal 800. Connect and manage a communication channel through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol) or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the customer terminal 800 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or the information input from the customer terminal 800 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the customer terminal 800 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 810 may connect to the customer terminal 800 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. xml) interface to provide a web page, or the information input from the customer terminal 800 is preferably interfaced to be received in a GET / POST method.

Referring to FIG. 8, when the branch payment search server 805 accesses the branch payment search server 805 (or the branch search service request) from the customer terminal 800 through the web interface 810, A web page operating unit 815 (or web page operating unit) for generating (or extracting) a web page to be provided to the customer terminal 800 based on the web page operating data, and the web page operating unit 815 In conjunction with the customer identification information for the search for the paid site and the geo search information (for example, billing agency information, payment amount information, giro payment period information) And an interface providing unit 820 (or interface providing means) for including a search interface by inputting one or more of the above; 815 is characterized in that the process to provide a Web page, the generated (or extracted) by the client terminal 800 in conjunction with the web interface 810. The

When the customer terminal 800 accesses the branch payment search server 805 through the web interface unit 810 or requests the branch search service from the branch payment search server 805, the webpage operation unit 815 checks a web page link to be provided to the customer terminal 800 in response to the connection to the Giro payment search server 805 (or a Giro search service request), and the confirmed web page from the web page operation data. Identify a web page source and web content for generating (or extracting) a web page corresponding to a link, and generate a web page to be provided to the customer terminal 800 using the identified web page source and web content ( Or extraction).

When the web page operation unit 815 generates (or extracts) a web page to be provided to the customer terminal 800, the generated (or extracted) web page is a web page for providing a search service to the branch. The interface providing unit 820 is connected to the web page operation unit 815 to identify the customer identification information for searching the paid bill on the web page and the geo search information corresponding to the payment history information (for example, billing). It is characterized in that the processing to be provided to the customer terminal 800, including the search interface by inputting the institution information, payment amount information, giro payment period information one or more).

According to an embodiment of the present invention, it is preferable that the branch search interface comprises a user interface for inputting (or selecting) customer identification information and branch search information through one or more form forms. If a person having ordinary knowledge in the technical field belongs, a form for inputting (or selecting) the customer identification information and the Giro search information from the customer terminal 800 based on the information attributes of the customer identification information and the Giro search information. Since you will be familiar with the technical features of the form, detailed description of the form form corresponding to the branch search interface in this figure 8 will be omitted for convenience.

According to an embodiment of the present invention, the interface providing unit 820, in addition to the customer identification information and the giro search information, customer authentication information (eg, customer ID / PW) for authenticating the validity of the customer requesting the jiro search. It is preferable to process such that a customer authentication interface for inputting information or a search password) is output to the customer terminal 800.

The customer terminal 800 receiving the web page including the branch search interface inputs (or selects) the customer identification information and the branch search information for searching the paid branch through the branch search interface. And, the input (or selected) characterized in that the customer identification information and the Jiro search information is transmitted to the Jiro payment search server 805 through a GET / POST method.

If the customer terminal 800 receives a customer authentication interface, the customer terminal 800 inputs customer authentication information (eg, customer ID / PW information, or a search password) through the customer authentication interface. The customer authentication information is transmitted to the branch payment search server 805 through a GET / POST method.

Referring to FIG. 8, when the branch payment search server 805 inputs (or selects) and transmits the customer identification information and the branch search information through the branch search interface from the customer terminal 800, the web interface unit ( 810 (or information receiving means) for receiving the customer identification information and the Giro search information in association with 810 and the received customer identification information from the storage medium 155 shown in FIG. 1 or FIG. Identify one or more giro (or bill payment) image contents matching the giro search information among the giro (or bill payment) image contents associated with the web search, and if the map is associated with the customer identification information from the storage medium 155 If one or more giro (or bill payment) image contents matching the information are not confirmed, the payer number corresponding to the giro search information is checked. By providing to the KFTC server (e.g., the electronic document server shown in Figs. 1 to 5), it includes the payer number from the KFTC server, and is a branch window of another financial institution (or receiving institution or collection agency). Or one or more giro (or bill payment) image contents paid through an automated device (or further including non-face-to-face payment through the Internet), and a giro (or bill payment) image verification unit that checks the giro payment history information. 840 (or giro (or bill payment) image confirmation means) and the giro (or bill payment) image content to be processed to be transmitted to the customer terminal 800 to output the image (or bill payment) image Study 835 (or giro (or bill payment) image providing means) is provided, characterized in that the information receiving unit 825 is Characterized in that it further receives the customer authentication information from the customer terminal 800, when the customer authentication information is received, the branch payment search server 805 reads the customer authentication information to validate the customer for the branch search Characterized in that it further comprises a customer authentication unit 830 (or customer authentication means) for confirming.

When the customer terminal 800 inputs (or selects) the customer identification information and the giro search information through the giro search interface and transmits the information through the GET / POST method, the information receiving unit 825 is the web interface unit 810. In connection with the characterized in that for receiving the customer identification information and Jiro search information.

Here, the customer identification information, the customer's resident registration number (or part of the resident registration number and customer name), mobile phone number (or USIM (Universal Subscriber Identity Module) information provided in the mobile phone), telephone number, account number (or account number) Part and password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

The branch search information is one of one or more branch (or bill payment) image contents stored in association with the customer identification information in the storage medium 155 shown in FIG. 1 or FIG. 5 (or bill payment). ) Preferably comprises at least one billing institution information, payment amount information, giro payment period information for confirming the image content.

When the customer terminal 800 inputs customer authentication information through the customer authentication interface and transmits the information through the GET / POST method, the information receiver 825 connects the customer authentication information with the web interface unit 810. It is characterized by receiving.

Here, it is preferable that the customer authentication information includes at least one ID / PW information or a search password for the customer.

When the customer identification information and the Giro search information are received through the information receiving unit 825, the Giro (or bill payment) image confirmation unit 840 is the storage medium 155 shown in FIG. Identify one or more giro (or bill payment) image contents associated with the received customer identification information, and one or more giro (or bill payment) images that match the giro search information among the identified giro (or bill payment) image contents It is characterized by checking the content.

If one or more giro (or bill payment) image contents that are associated with the customer identification information and match the giro search information are not identified from the storage medium 155, the giro (or bill payment) image verification unit 840 Confirming the payer number corresponding to the search information, and providing the confirmed payer number to the KFTC server (for example, the electronic document server shown in FIGS. 1 to 5), the payer number from the KFTC server. Corresponding to one or more giro payment electronic documents, including (or further including non-face-to-face payment through the Internet) branch offices or automated devices of other financial institutions (or receiving institutions, or collection institutions) Corresponding to the Giro (or bill payment) image content and electronic document related information associated with the Giro Payment electronic document Jiro is characterized in that the check for payment history.

According to an exemplary embodiment of the present invention, the branch (or bill payment) image checking unit 840 further includes the branch search information in the payer number and provides the branch to the KFTC, thereby providing the branch from the KFTC server. It is preferable to check one or more giro (or bill payment) image contents and giro payment history information matching the search information.

According to another exemplary embodiment of the present invention, the giro (or bill payment) image verification unit 840 is one of one or more giro (or bill payment) image contents and giro payment history information identified corresponding to the payer number. It is preferable to further check one or more giro (or bill payment) image contents matching the search information and the giro payment history information.

When one or more branches (or bill payment) image contents associated with the customer identification information and matched with the branch search information are identified through the branch (or bill payment) image verification unit 840, the branch (or bill payment) The image providing unit 835 generates a web page including the identified content (or bill payment) image content in connection with the web page operation unit 815 and transmits the web page to the customer terminal 800, thereby providing the customer terminal. Characterized in (800) is characterized in that the processing to output the image content (or bill payment).

When the customer authentication information is received through the information receiving unit 825, the customer authentication unit 830 reads the customer authentication information and asks for the search for the customer requesting the image (or bill payment) image content ( Or bill payment) characterized in that it possesses a valid search right for the image content.

9 is a diagram illustrating a payment request request process according to an embodiment of the present invention.

In more detail, FIG. 9 is connected to the Giro payment search server 805 shown in FIG. 8 by using an HTTP-compatible protocol in a client terminal 800 having one or more browser programs. In response to the request for the interface, the web page provided to the customer terminal 800 from the branch payment search server 805 is provided to the customer terminal 800, including the search engine interface, and correspondingly In the customer terminal 800 is a process for inputting (or selecting) the customer identification information and the Jiro search information through the Jiro search interface to the Jiro payment search server 805, which is common in the art. Those skilled in the art can refer to and / or modify this drawing to infer various implementation methods for the retrieval request process due to the payment made. As will be appreciated, the present invention includes all implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in this drawing 9, the customer terminal 800 shown in drawing 8 will be referred to as "terminal" for convenience.

Referring to FIG. 9, the terminal accesses the branch payment search server 805 through a communication network to connect a communication channel through an HTTP compatible protocol (900), and the branch payment search server 805 through the communication channel. Requesting one or more webpages by sending a webpage link (step 905), and the giropayment search server 805 generates (or extracts) a webpage corresponding to the webpage link. .

If the web page is not provided with a search service through the web page when the web page is generated (or extracted) (915), the search server 805 pays the generated (or extracted) web page through the communication channel. The terminal transmits and outputs the data to the terminal (920), after which the terminal selects (or clicks) any one or more webpage links included in the webpage and transmits the same to the branch payment search server 805. do.

On the other hand, when generating (or extracting) the web page, if the search interface for searching for the paid paper through the web page is provided to the terminal (915), the paying search server 805 generates (or extracts) the paper. In step 925, the web page is processed to include a search interface for searching the paid paper, and the web page including the search interface is transmitted to the terminal and output (930).

According to an embodiment of the present invention, it is preferable that the branch search interface comprises a user interface for inputting (or selecting) customer identification information and branch search information through one or more form forms. If a person having ordinary knowledge in the technical field belongs, a form for inputting (or selecting) the customer identification information and the Giro search information from the customer terminal 800 based on the information attributes of the customer identification information and the Giro search information. Since you will be familiar with the technical features of the form, a detailed description of the form form corresponding to the branch search interface in this figure 9 will be omitted for convenience.

Thereafter, the terminal checks whether the customer identification information and the jiro search information for the jiro search are input (or selected) through the jiro search interface included in the web page (935).

If the terminal does not input (or select) the customer identification information and the geo search information for searching the paid paper in the terminal (940), the terminal selects one of one or more web page links included in the web page ( Or click) to repeat the process of transmitting to the branch payment search server 805.

On the other hand, the terminal identifies (or selects) the customer identification information and the geo search information for searching the paid geo, and the terminal enters (or selects) the customer identification information and geo search through the geo search interface. Information is transmitted to the branch payment search server 805 through the communication channel (945).

Here, the customer identification information, the resident registration number (or part of the resident registration number and customer name), the mobile phone number (or USIM (Universal Subscriber Identity Module) information provided in the mobile phone), telephone number, account number (or account number) of the customer Part and password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

The branch search information is one of one or more branch (or bill payment) image contents stored in association with the customer identification information in the storage medium 155 shown in FIG. 1 or FIG. 5 (or bill payment). ) Preferably comprises at least one billing institution information, payment amount information, giro payment period information for confirming the image content.

10 is a diagram illustrating a paid paper search process using customer identification information and paper search information according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, when the customer terminal 800 inputs (or selects) and transmits the customer identification information and the jiro search information through the jiro search interface through the process shown in FIG. This is a process of searching the paid (or bill payment) image content using the customer identification information and the search information in the giro payment search server 805 shown in the Those skilled in the art may refer to and / or modify this drawing 10 to infer various implementation methods for the paid geologic search process using the customer identification information and the geosearch information. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in this drawing 10, the customer terminal 800 shown in the drawing 8 will be referred to as " terminal "

Referring to FIG. 10, when the terminal inputs (or selects) the customer identification information and the jiro search information through the jiro search interface through the process illustrated in FIG. 9, the giropayment search server 805 is transmitted. Receives the customer identification information and the giro search information through a communication channel (1000), one or more branches (or utility bills) associated with the received customer identification information from the storage medium 155 shown in FIG. Payment) confirms the image content, and checks one or more branches (or bill payment) image contents matching the branch search information among the identified branch (or bill payment) image contents (1005).

According to an embodiment of the present invention, a branch (or bill payment) image content search object associated with the customer identification information and matching the branch search information is stored through the branch payment system shown in FIG. 1 or 5. Preferably, the medium 155 includes giro (or bill payment) image contents and giro payment history information stored in association with the customer identification information.

If at least one branch (or bill payment) image content associated with the customer identification information and matching the branch search information is identified (1010), the branch payment search server 805 determines the identified branch (or bill payment). The web page including the image content is generated and transmitted to the customer terminal 800, so that one or more image contents are output to the customer terminal 800 at step 1015.

On the other hand, if one or more giro (or bill payment) image contents associated with the customer identification information and matching the giro search information are not confirmed (1010), the giro payment search server 805 is a payer corresponding to the giro search information. Confirm the number (1020), and transmit the confirmed payer number to the KFTC server (or electronic document repository) shown in FIG. 1 or 5 (1025), and correspondingly, the KFTC server sends the payer information. In operation 1030, at least one branch payment electronic document associated with the electronic document related information corresponding to the electronic document related information may be identified.

If one or more giro payment electronic documents associated with the electronic document related information corresponding to the payer information is confirmed (1035), the KFTC server sends the giro payment electronic document corresponding to the payer number to the giro payment search server 805. (Or the giro (or bill payment) image content corresponding to the giro payment electronic document) is transmitted (1040), and correspondingly, the giro payment search server 805 corresponds to the giro (or the giro payment electronic document) Billing payment) By generating a web page containing the image content and transmits to the customer terminal 800, the processing to output one or more image content to the customer terminal (800) (1045).

On the other hand, if one or more giro payment electronic documents associated with the electronic document related information corresponding to the payer information is not confirmed (1035), the KFTC server sends the giro payment electronic document verification error information to the giro payment search server 805. In operation 1050, the giro payment search server 805 generates and transmits the giro (or bill payment) image search error information based on the giro payment electronic document verification error information (1055). ).

11 is a diagram illustrating a payment request request process according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates a search for a paper to be paid by accessing the payment to the Giro payment search server 805 shown in FIG. 8 using an HTTP-compatible protocol in a client terminal 800 having one or more browser programs. When the interface is requested, the web page provided to the customer terminal 800 from the branch payment search server 805 is provided to the customer terminal 800 including the search engine interface and the customer authentication interface. In response, the customer terminal 800 inputs (or selects) customer identification information and Giro search information through a Giro search interface, and inputs customer authentication information through the Customer Authentication Interface to the Giro payment search server 805. As a person having ordinary skill in the art to which the present invention pertains, refer to FIG. It is possible to infer various implementation methods for the search request process by the payment and / or modification by means of the payment, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. .

For example, in FIG. 11, the customer identification information, the giro search information, and the customer authentication information are illustrated as being transmitted together. However, the present invention is not limited thereto. It is clear that it is natural that the sequence is performed sequentially.

Hereinafter, in this figure 11, the customer terminal 800 shown in FIG. 8 is referred to as "terminal" for convenience.

Referring to FIG. 11, the terminal accesses the branch payment search server 805 through a communication network to connect a communication channel through an HTTP compatible protocol (1100), and the branch payment search server 805 through the communication channel. Requesting one or more webpages by sending a webpage link (1105), and the giropayment search server 805 generates (or extracts) a webpage corresponding to the webpage link (1110). .

If the web page is not generated or searched through the web page when the web page is generated (or extracted) (1115), the web payment search server 805 may generate the generated (or extracted) web page through the communication channel. The terminal transmits the output to the terminal (1120), and then the terminal selects (or clicks) any one or more web page links included in the web page and transmits the same to the branch payment search server 805. do.

On the other hand, when the web page is generated (or extracted), if the web search interface for searching the paper paid through the web page is provided to the terminal (1115), the paper payment search server 805 generates (or extracts) the paper. A web page including a paid search interface for searching the paid paper and a customer authentication interface for checking the validity of the customer for the search of the paper (1125), and displaying the search engine and the customer authentication interface through the communication channel. The web page including the transmission is output to the terminal (1130).

According to an embodiment of the present invention, it is preferable that the branch search interface comprises a user interface for inputting (or selecting) customer identification information and branch search information through one or more form forms. If a person having ordinary knowledge in the technical field belongs, a form for inputting (or selecting) the customer identification information and the Giro search information from the customer terminal 800 based on the information attributes of the customer identification information and the Giro search information. Since you will be familiar with the technical features of the form, a detailed description of the form form corresponding to the branch search interface in this figure 11 will be omitted for convenience.

In addition, the customer authentication interface preferably comprises a user interface for inputting customer authentication information through one or more forms (Form) form.

Thereafter, the terminal checks whether the customer identification information and the jiro search information for searching the paid jiro are input (or selected) through the jiro search interface included in the web page (1135).

If the terminal does not input (or select) the customer identification information and the search information for the search for the paid bill in the terminal (1140), the terminal selects one of one or more web page links included in the web page ( Or click) to repeat the process of transmitting to the branch payment search server 805.

On the other hand, if the customer identification information and the geo search information for the search for the paid Jiro are input (or selected) from the terminal (1140), the terminal checks whether the customer authentication information for the Jiro search is input through the customer authentication interface. (1145).

If the customer authentication information for the search for the branch is input (1150), the terminal identifies the customer identification information and the search information entered through the branch search interface (or selection) and the customer authentication input through the customer authentication interface. Information is transmitted to the branch payment search server 805 through the communication channel (1155).

Here, the customer identification information, the resident registration number (or part of the resident registration number and customer name), the mobile phone number (or USIM (Universal Subscriber Identity Module) information provided in the mobile phone), telephone number, account number (or account number) of the customer Part and password), card number (or part of the card number and password), it is preferable to include one or more payer number per billing institution.

The branch search information is one of one or more branch (or bill payment) image contents stored in association with the customer identification information in the storage medium 155 shown in FIG. 1 or FIG. 5 (or bill payment). ) Preferably comprises at least one billing institution information, payment amount information, giro payment period information for confirming the image content.

Preferably, the customer authentication information includes one or more ID / PW information or a search password for the customer.

FIG. 12 is a diagram illustrating a paid-to-jiro search process using customer identification information and giro search information according to another exemplary embodiment of the present invention.

In more detail, FIG. 12 illustrates that when the customer terminal 800 inputs (or selects) the customer identification information, the jiro search information, and the customer authentication information through the branch search interface through the process illustrated in FIG. After checking the customer validity of the search for the branch through the customer authentication information in the branch payment search server 805 shown in FIG. 8, the branch (or bill payment) is paid using the customer identification information and the branch search information. ) Refers to a process of searching for image contents, and those of ordinary skill in the art to which the present invention pertains can search for the paid paper using the customer identification information and the geo search information by referring to and / or modifying the drawing 12. Various implementations of the process may be inferred, but the present invention includes all implementations inferred above, as shown in FIG. It is not limited only to the implementation method shown.

Hereinafter, in this drawing 12, the customer terminal 800 shown in Fig. 8 is referred to as " terminal "

Referring to FIG. 12, through the process shown in FIG. 11, the terminal inputs (or selects) the customer identification information and the jiro search information through the jiro search interface, and transmits the customer identification through the customer authentication interface. When the information is input and transmitted, the branch payment search server 805 receives the customer identification information, the branch search information and the customer authentication information through the communication channel (1200), and reads the customer authentication information to search the branch. Check the validity of the customer (1205).

If the customer validity for the search is not confirmed (1210), the payment payment search server 805, the payment payment search server 805 is the paid payment corresponding to the customer identification information and the search information (or Billing payment) generates the image search error information and transmits to the terminal (1215).

If the customer validity of the branch search is confirmed (1210), the branch payment search server 805 is one or more associated with the received customer identification information from the storage medium 155 shown in FIG. Check the branch (or bill payment) image contents, and identify one or more branches (or bill payment) image contents matching the branch search information among the identified branch (or bill payment) image contents (1220).

According to an embodiment of the present invention, a branch (or bill payment) image content search object associated with the customer identification information and matching the branch search information is stored through the branch payment system shown in FIG. 1 or 5. Preferably, the media 155 includes giro (or bill payment) image contents and giro payment history information stored in association with the customer identification information.

If at least one branch (or bill payment) image content associated with the customer identification information and matching the branch search information is identified (1225), the branch payment search server 805 determines the identified branch (or bill payment). The web page including the image content is generated and transmitted to the customer terminal 800, so that one or more image contents are output to the customer terminal 800 at the identified time (1230).

On the other hand, if one or more giro (or bill payment) image contents associated with the customer identification information and matching the giro search information are not confirmed (1225), the giro payment search server 805 is a payer corresponding to the giro search information. Confirm the number (1235), and transmit the confirmed payer number to the KFTC server (or electronic document repository) shown in FIG. 1 or 5 (1240), and the KFTC server correspondingly the payer information; At least one branch of the electronic document associated with the corresponding electronic document information is identified (1245).

If one or more giro payment electronic documents associated with the electronic document related information corresponding to the payer information is confirmed (1250), the KFTC server sends the giro payment electronic document corresponding to the payer number to the giro payment search server 805. (Or even a giro (or bill payment) image content corresponding to a giro payment electronic document) (1255), and the giro payment search server 805 corresponds to the giro (or the giro payment electronic document). Billing payment) By generating a web page containing the image content and transmits it to the customer terminal 800, one or more image contents are processed to be output to the customer terminal 800 (1260).

On the other hand, if one or more giro payment electronic documents associated with the electronic document related information corresponding to the payer information is not confirmed (1250), the KFTC server sends the giro payment electronic document verification error information to the giro payment search server 805. In response (1265), the giro payment search server 805 generates and transmits the giro (or bill payment) image search error information based on the giro payment electronic document verification error information (1270). ).

According to the present invention, after a customer pays a utility bill through a financial institution (or a storage institution, or a collection agency) branch window or an automated device, the customer displays a giro (or bill payment) image corresponding to the receipt of the utility bill payment. By providing to the customer terminal to use, the utility bill payment customer has the advantage of being able to conveniently check the bill payment receipt without calling the call center waiting for a response, or visit a financial institution (or receiving institution, or collection agency).

According to the present invention, after a customer pays a utility bill through a financial institution (or a storage institution, or a collection agency) branch window or an automated device, the customer uses a giro (or utility bill payment) image corresponding to the receipt of the utility bill. By providing it to the customer terminal, the financial institution (or the receiving institution or the collection agency) prevents the inflation of the telephone call to confirm the payment of the utility bill in advance, and the request to confirm the payment of the utility bill to the call center is also referred to the above (or the payment of the utility bill) image. Switching to a service allows the call center business to be processed normally and reduces the number of customers visiting the financial institution (or the collection institution or the collection institution) to confirm the giro (or bill payment).

Claims (6)

When the customer pays the giro (or utility bill) through a branch of a financial institution (or a collection institution, or a collection institution) or an automated device, the client scans the payment receipt by the branch (or utility bill). Storing the image contents and the information on the payment of giro corresponding to the result of the payment on the storage medium in association with the customer identification information; When the customer requests the payment details of the giro through the customer terminal, at least one of the search information, the billing institution information, the payment amount information, and the payment period information corresponding to the customer identification information and the payment information of the giro to the customer terminal. Processing a search interface to be outputted by inputting an include-; Receiving customer identification information and giro search information input from the customer terminal through the giro search interface; Identifying one or more giro (or bill payment) image contents associated with the customer identification information and matching the giro search information in association with the storage medium; And When the branch (or bill payment) image contents are confirmed from the storage medium, the checked branch (or bill payment) image contents are transmitted to the customer terminal for processing and outputted, and the branch (or bill payment) is output from the storage medium. ) If the image content is not confirmed, the payer number for the road (or the bill payer) corresponding to the search information is confirmed, and the confirmed payer number is transmitted to the KFTC server so that the customer is transferred to another financial institution (or stored). Check the paper (or bill payment) image content paid through the branch window or the automated device of the agency, or the collection agency to process the image content to be sent to the customer terminal for output and processing. Treatment method. The method of claim 1, Processing a customer authentication interface for inputting the customer authentication information to the customer terminal; Receiving customer authentication information input through the customer authentication interface from the customer terminal; And reading the customer authentication information to confirm the validity of the customer with respect to the branch search. According to claim 1, The giro (or bill payment) image content, And a branch payment electronic document structure to which an electronic signature of the branch payment destination is attached, corresponding to the branch of the financial institution (or the receiving institution, or the collection institution) or the automated device. The method of claim 1, wherein the customer identification information, The customer's social security number (or part of the social security number and customer's name), mobile phone number (or Universal Subscriber Identity Module (USIM) information provided in the mobile phone), telephone number, account number (or part of the account number and password), card number ( Or part of a card number and a password), and a bill payment search processing method comprising at least one payer number for each billing institution. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When the customer pays the giro (or utility bill) at the financial institution (or collection institution, or collection institution) branch window or the automated device, the customer scans the payment receipt through the branch window or the automated device (or bill payment). A storage medium for storing the image contents and the details of the payment of the giro corresponding to the result of the payment of the giro, in association with the customer identification information; When the customer requests the payment details of the giro through the customer terminal, at least one of the search information, the billing institution information, the payment amount information, and the payment period information corresponding to the customer identification information and the payment information of the giro to the customer terminal. Interface providing means for processing a search interface to be outputted by inputting the include-; Information receiving means for receiving customer identification information and giro search information inputted from the customer terminal through the giro search interface; Giro (or bill payment) image identification means for verifying one or more giro (or bill payment) image contents associated with the customer identification information in association with the storage medium and matching the search information of the map; And When the branch (or bill payment) image contents are confirmed from the storage medium, the checked branch (or bill payment) image contents are transmitted to the customer terminal for processing and outputted, and the branch (or bill payment) is output from the storage medium. ) If the image content is not confirmed, the payer number for the road (or the bill payment department) corresponding to the search information is checked, and the payer number is transmitted to the KFTC server so that the customer is transferred to another financial institution (or a storage institution). , Or a branch (or bill payment) image providing means for checking the image content (or bill payment) image content paid through a branch window or an automated device of the collection agency and transmitting the image content to the client terminal for output. Jiro payment retrieval processing system characterized by the above-mentioned.

Images