KR20110088478A - Method and system for processing work of bank counter using card for client's self-certification and electronic application - Google Patents

Abstract

PURPOSE: A method and banking system which processes a bank window task are provided to encourage a customer to carry out a card. CONSTITUTION: An electronic transaction bill in which the transaction request information of a client is collected is received(410). Personal authentication information is obtained from an authentication card of a customer through a scanner(420). The obtained personal authentication information is attached to the electronic transaction bill(430).

Description

Method and system for processing work of bank counter using card for client's self-certification and electronic application}

The present invention relates to a method of processing a banking business based on an electronic transaction.

At the window of the bank branch, various reporting and certification-related tasks can be performed, as well as account-related transactions for the customer to directly find or deposit a deposit from the account, such as withdrawal and deposit. The customer visits the bank's branch office, fills out a transaction invoice for the window service, receives the receipt order number, assigns the receipt order number, and waits for the turn of the transaction. You can submit a transaction invoice to an employee. The clerk can handle the customer's work while accepting and entering the customer's transaction invoice into the system.

Therefore, in order for a customer's bank teller to be performed, basically, the time required for the customer to write a transaction invoice, the time to wait for the order of processing according to the order of receipt, and the time for the teller to enter the transaction contents into the system are required. .

For the financial transaction of the customer, since the personal authentication means such as the seal stamp or signature signature of the customer is additionally required, the customer may need to prepare a personal authentication means such as the seal for the financial transaction.

The present invention utilizes an identity card that can process a bank teller service using an electronic transaction bill and provide a customer's stamp or signature as electronic information.

According to an embodiment of the present invention, a method of processing a teller service of a bank using an electronic transaction invoice includes: receiving an electronic transaction invoice including transaction request information of a customer; Obtaining identification information from the identification card of the customer by using a scanner; Attaching the obtained customer authentication information to the electronic transaction bill; And processing the transaction request of the customer based on the electronic transaction bill, wherein the ID card may include at least one of a seal, a signature, and a name at a predetermined position of a card body in the form of a financial transaction card. A groove is formed in a wide area, and a material layer through which ink can be adsorbed from the bottom of the groove, the ink layer of the customer, an ink layer of signature and name, and covering the groove to protect the material layer and the ink layer. Embedded in the transparent protective layer, the identity authentication information includes at least one of the stamp information, signature information and name information obtained by scanning the identity card.

According to an embodiment of the present invention, a bank system for processing a window service using an electronic transaction bill, the customer identity information receiving unit for receiving the identity information of the customer obtained by scanning the customer's identity card from the scanner ; An electronic transaction invoice delivery unit for receiving the electronic transaction invoice including the transaction request information of the customer and attaching the obtained personal authentication information to the electronic transaction invoice; And a transaction processing unit for processing a transaction request of the customer based on the electronic transaction invoice to which the customer authentication information of the customer is attached.

In the card for authentication of the customer according to an embodiment of the present invention, the card body of the financial transaction card type made of synthetic resin material, at a predetermined position of the card body, at least one of the seal, signature and name A groove having a width that can be included is formed, and the groove of the card body includes: a material layer through which ink can be sucked from the bottom of the groove, at least one ink layer of the customer's seal, signature, and name, and the material layer. And a transparent protective film layer covering the groove to protect the ink layer.

According to an embodiment, the bank system provides the customer with an identification card including the customer's seal, signature, or name, so that when the customer requests a transaction with the bank, the customer's identification card is read using a scanner. Stamping information, signature information or named information can be obtained. Self-identification card according to an embodiment is thin and portable compared to the general coating, so that the customer can always be carried.

The bank system according to an embodiment supports a customer's identity card and handles a window service using an electronic transaction bill, so that the customer does not have a seal, but uses the customer's identity card according to an embodiment. Since the customer's seal information, signature information or name information can be provided, financial transactions requiring customer's own authentication are possible.

Since the bank server receives the electronic transaction invoice including the transaction application contents and processes the customer's application transaction using the electronic transaction invoice received in advance at the counter terminal, the customer's transaction billing time and the waiting time for the transaction may be reduced. have. In addition, since the branch office terminal can directly display the client's transaction application on the screen by using the invoice data received from the bank server, the process of inputting the application to the system according to the transaction bill is omitted. As a result, transaction processing time for customers and tellers can be saved.

1 is a block diagram of a banking system for processing a teller service using an electronic transaction invoice according to an embodiment.
2 illustrates a plan view of a personal identification card according to an embodiment.
3 illustrates a material layer of a personal identification card according to an embodiment.
4 is a flowchart of a method of processing a bank teller service using an electronic transaction invoice according to an embodiment.
5 is a flowchart illustrating a process occurring in a customer and a bank when processing a window service using a personal identification card and an electronic transaction bill according to an embodiment.

Hereinafter, referring to FIGS. 1 to 5, a customer authentication card according to an embodiment is disclosed, and a bank system for processing a window service based on an electronic transaction bill and a customer authentication card according to an embodiment; Thus, the way in which the banking system handles business is detailed.

1 shows a block diagram of a banking system 100 for processing a teller service using an electronic transaction invoice according to one embodiment.

The bank system 100 according to an embodiment processes a request transaction received from a customer based on data communication between a plurality of window terminals and a bank central server through a bank network built around a bank central server. do.

The bank system 100 according to an exemplary embodiment may receive an electronic transaction billing document containing transaction application information for a financial transaction request of a customer from a personal terminal of a customer or a window terminal of a branch of a customer. The transaction result information processed based on the electronic transaction bill may be transmitted to the personal terminal or the counter terminal of the customer, and the result of the transaction processing may be delivered to the customer.

The bank system 100 according to an exemplary embodiment mediates communication between data transmitted from a bank server to a customer terminal and data received from a customer terminal. The data communication between the bank server and the customer terminal may occur according to a data communication method of the customer terminal such as Wi-Fi (Wi-Fi, Wireless Fidelity), 3G, 4G, wired / wireless LAN, the Internet, and Wibro.

Identity verification for account transactions can be done via customer signature, signature or signature. The bank system 100 according to an exemplary embodiment may receive customer authentication information using a customer identification card. By photographing or scanning the identity card according to an embodiment, at least one of the signature information, signature information, and signature information obtained by electronically encoding the seal shape, signature shape, and named shape of the customer is obtained as the personal authentication information of the customer. Can be. Hereinafter, the detailed structure of the bank system 100 that supports the user authentication information obtained through the customer authentication card of the customer according to an embodiment, and processes the window service using the electronic transaction bill is described in detail.

The bank system 110 includes an electronic transaction bill transfer unit 110, a customer identity information receiving unit 120, a transaction processing unit 130, and a customer database 140.

Customer identification information receiving unit 120 according to an embodiment, from the scanner receives the identification information of the customer obtained by scanning the identification card of the customer. The electronic transaction invoice delivery unit 110 according to an embodiment receives the electronic transaction invoice containing the transaction request information of the customer, and attaches the personal authentication information of the customer obtained from the customer's own authentication card to the electronic transaction invoice.

The transaction processing unit 130 according to an embodiment processes the transaction request of the customer, based on the electronic transaction invoice to which the personal authentication information of the customer is attached. An electronic transaction bill according to an embodiment may include a transaction request for opening a new account due to a new financial product and a transaction request for a transaction request for an existing account.

In the customer database 140 according to an embodiment, transaction information and personal information of a customer may be stored, and information about a transaction received by the transaction processor 130 and information about a transaction processing result may be stored. In addition, the transaction processing unit 130 according to an embodiment may store the electronic transaction invoice attached to the customer's identity information in the customer database 140.

Transaction processing unit 130 according to an embodiment, when the customer opens a new account, by photographing or scanning the stamp, signature or name displayed directly on the transaction invoice, obtains the customer's identity information for the opened account In addition, the information may be stored in the customer database 140 as registered personal identification information of the corresponding account of the customer.

The electronic transaction invoice delivery unit 110 according to an embodiment receives the electronic transaction invoice containing the transaction request information of the customer and transmits it to the transaction processing unit 130.

The electronic transaction invoice delivery unit 110 according to an embodiment may receive a preliminary electronic transaction invoice prepared by the customer directly from the customer terminal. For example, when a predetermined contract between a bank and a customer is concluded, or when a customer meets certain qualification requirements or subscribes to a predetermined product based on an electronic transaction, an electronic device for financial transaction is performed using a customer terminal capable of data communication. A transaction bill may be generated and sent directly to the banking system 100.

For example, an application for bank teller service is installed in a customer terminal, and the bank teller application can provide an electronic transaction billing interface for applying for a bank teller service to a bank server. The customer terminal transmits the electronic transaction bill of the customer generated according to the electronic transaction bill interface to the bank server, so that the preliminary electronic transaction bill prepared by the customer can be received in the electronic transaction bill transfer unit 110. The electronic transaction billing interface provided by an application for a bank teller service for a customer terminal according to an embodiment may include a blank for attaching customer authentication information.

The teller terminal according to an embodiment may generate an electronic transaction invoice containing the transaction request information of the customer based on the transaction request received from the customer. The electronic transaction invoice delivery unit 110 according to an embodiment may receive a preliminary electronic transaction invoice prepared based on a transaction request of a customer from the counter terminal.

Customer identification information receiving unit 120 according to an embodiment may include a scanner. The customer identification information receiving unit 120 may acquire the customer identification information of the customer by scanning the identification card of the customer by using a scanner connected to the bank system 100. The customer identity information receiving unit 120 may scan the identity card of the customer obtained by scanning the identity card of the customer and transfer the electronic transaction bill delivery unit 110.

The electronic transaction bill transmission unit 110 according to an embodiment attaches the personal authentication information of the customer obtained by the customer identity information receiving unit 120 to the preliminary electronic transaction bill and transmits it to the transaction processing unit 130.

In the personal identification card according to the embodiment, a groove having a width that can be sealed, signed or named is formed at a predetermined position of the card main body in the form of a financial transaction card. The groove of the personal identification card according to an embodiment may include a material layer through which ink may be adsorbed from the bottom of the groove, a customer's seal, an ink layer on a signature or signature, and a transparent layer covering the groove to protect the material layer and the ink layer. It is embedded in a protective film layer. Since the identification card according to an embodiment includes at least one of a seal, signature, and name of the customer, the image information obtained by scanning the identification card includes at least one of the seal, signature, and name information of the customer. It may include. The structure of the identity card according to one embodiment is described in detail below with reference to FIGS. 2 and 3.

The customer may have multiple accounts and may also have multiple identity verification means. Separate accounting means may be registered for each account. Therefore, the customer may have one or more identity authentication card 200, which is a seal, signature or name embedded as an authentication means. Since the customer authentication information corresponding to the current transaction account should be provided when the customer requests a transaction, the user authentication information obtained from the user authentication card 200 and the user authentication registered in the bank system 100 in response to the current transaction account It is preferable that the identity between the information is determined.

According to an embodiment, the electronic transaction bill transfer unit 110 may register at least one of customer's seal information, signature information, and registered information stored in the customer database 140 registered in the banking system 100 in response to an account requested by the customer. One can check the identity by comparing the identity information obtained using the scanner. Through this, it can be checked whether the identification information obtained by using the scanner is the identification information registered in the banking system 100 in response to the account requested by the customer transaction. When it is confirmed that the user authentication information stored in the customer database 140 and the user authentication information obtained by the scanner are the same in response to the requested transaction account, the electronic transaction bill delivery unit 110 according to an embodiment of the customer The personal authentication information obtained from the authentication card can be attached to the preliminary electronic transaction bill.

The electronic transaction bill delivery unit 110 according to an embodiment uses a signature recognition collation program installed in a bank central server, and uses personal identification information and a scanner stored in the customer database 140 in response to the requested transaction account. The identity information between the obtained authentication information can be obtained.

In addition, based on the visual discrimination of the employee of the teller terminal according to an embodiment, between the personal identification information registered in the banking system 100 corresponding to the account requested by the customer and the personal identification information obtained by using the scanner Identity may be determined. The electronic transaction bill delivery unit 110 according to an embodiment, receives the identity verification result information transmitted by the teller terminal staff from the teller terminal, and based on the identity authentication information obtained from the identity card using the scanner Corresponding to the account requesting a transaction, it may be checked whether the user authentication information is registered in the banking system 100.

The electronic transaction bill delivery unit 110 according to an embodiment of the present invention attaches to the personal authentication information attachment column of the preliminary electronic transaction bill, the personal authentication information which is confirmed to be registered for the requested account, and generates a registered electronic transaction bill. can do. The electronic transaction invoice delivery unit 110 according to an embodiment may be registered as a customer's financial transaction request to the bank central server by transmitting a registered electronic transaction invoice to the transaction processing unit 130.

The transaction processing unit 130 according to an embodiment may determine whether the transaction request information of the registered electronic transaction bill is correctly input and receive password information for the electronic transaction from the customer. In addition, the transaction processing unit 130 according to an embodiment may perform a financial transaction based on the examination result of the electronic transaction bill and the electronic transaction password information.

The transaction processing unit 130 according to an embodiment may process a transaction request of a customer in cooperation with customer information stored in the customer database 140 based on the received registered electronic transaction bill.

The transaction processing unit 130 according to an embodiment may store the personal authentication information attached to the registered electronic transaction bill in the customer database 140. In addition, the transaction processing unit 130 according to an embodiment may compare the personal authentication information obtained from the customer's identity card and attached to the registered electronic transaction bill with the personal information of the customer stored in the customer database 140.

The transaction processing unit 130 according to an embodiment may transmit the result information of processing the transaction request of the customer to the customer terminal or the counter terminal based on the received electronic transaction bill.

For example, the teller terminal can display the transaction result on the display device of the teller terminal or output the receipt based on the received processing result information so that the customer can inquire the transaction result.

For example, the actual withdrawal according to the transaction processing result may be directly paid to the customer through the employee in charge of the counter terminal. The amount of money that is actually deposited according to the transaction processing result may be directly collected from the customer through the employee in charge of the counter terminal.

2 illustrates a plan view of a personal identification card 200 according to an embodiment.

In order to assist the bank transaction through the electronic transaction of the customer, the identification card according to an embodiment may be used.

The identification card 200 according to an embodiment may include a visually recognizable seal area 220, a signature area 230, and a named area 240.

 The stamp area 220 and the signature area 230 are areas in which the seal shape and the sign shape of the customer can be visually read. The signature signing area 210 including the signing area 220 and the signing area 230 according to an embodiment is specially processed to protect the customer's signing and signature, and the structure thereof will be described later with reference to FIG. 3.

Register 240 is an area where customers can write their name. Since the register 240 according to an embodiment is a special surface-treated area such as a signature column of a credit card, a customer may write his or her name in the register 240 using a writing instrument such as a ballpoint pen or an oil pen. Can be. Thus, through the name book 240, the name of the customer can be read visually. A portion for describing the account number in the register 240 may be added.

3 illustrates a material layer of the personal identification card 200 according to an embodiment.

The card body 310 of the personal identification card 200 according to an embodiment may be made of a material such as synthetic resin and polyvinyl chloride (PVC). Of the identification card 200, the signing area 210 including the signing area 220 and the signing area 230 constitutes a groove that is enclosed in an area that can be stamped or signed. The groove of the signature seal area 210 may be filled with a signature seal protection material 330 to protect the seal and signature of the customer.

The signing material 330 may be composed of an adsorption material layer 340, an ink layer 350, and a transparent protective film layer 360 from the bottom of the groove.

The adsorption material layer 340 according to an embodiment may be made of a material such as paper, on which a customer's stamp or signature ink may be adsorbed. The ink layer 350 according to an embodiment is a portion formed by the ink of the customer's stamp or signature.

When manufacturing a personal identification card according to an embodiment, the customer stamps or signs the adsorption material layer 340, the ink layer 350 may be formed.

Alternatively, after scanning and stamping a customer's seal or signature through a scanner, the ink layer 350 may be formed by transferring the scanned customer's seal and signature onto the adsorption material layer 340 of the identity card using a printer. It may be.

The transparent protective film layer 360 is a transparent film covering the groove 210 and may protect the material layer 340 and the ink layer 350.

Although not shown in FIG. 3, the named portion 240 may also be formed of an adsorption material layer, an ink layer, and a transparent protective film layer by forming a groove, like the signing region 210.

4 is a flowchart of a method of processing a bank teller service using an electronic transaction invoice according to an embodiment.

In step 410, an electronic transaction invoice containing the transaction request information of the customer is received. The electronic transaction bill generated by the counter terminal may be received and delivered to the bank central server, or the electronic transaction bill generated directly from the customer terminal may be received.

In step 420, using the scanner, the personal authentication information is obtained from the customer's identity card.

The electronic transaction bill delivery unit 110 may review the detailed information described in the electronic transaction invoice received from the customer terminal or the sales window terminal, and if there is no abnormality, request the personal identification information of the customer to the customer identity information receiving unit 120. have.

The customer identity information receiving unit 120 may deliver at least one of the customer's seal information, signature information, and name information acquired by scanning the identity card of the customer using a scanner to the electronic transaction bill delivery unit 110. have.

In step 430, the identification information of the customer obtained from the identification card is attached to the electronic transaction bill.

The electronic transaction billing unit 110 may include at least one of personal identification information obtained by scanning a personal identification card of a customer, and signature information, signature information, and name information of a customer registered in the banking system 100 in correspondence with a transaction account. After determining the sameness, it is possible to generate the registered electronic transaction bill by attaching the identification information obtained from the identity card to the preliminary electronic transaction bill if it is the same.

In step 440, the customer's transaction request is processed based on the electronic transaction invoice.

The transaction processing unit 130 may store the personal identification information of the customer attached to the received registered electronic transaction bill in the customer database 140 or may deal with the already stored customer information. If there is no error in the registered electronic transaction bill, the transaction processing unit 130 may process a financial transaction for the customer based on the transaction application information of the customer included in the electronic transaction bill.

5 is a flowchart illustrating a process occurring in the customer 501 and the bank 505 when processing a window service using the personal identification card 200 and the electronic transaction bill according to an embodiment.

In order for the customer 501 to apply for a window service for a financial transaction, a preliminary electronic transaction bill is prepared and transmitted to the bank system 100 (step 510), and the window terminal 525 of the bank system 100 receives the customer. Based on the preliminary electronic transaction invoice 501, the customer's bank teller service can be accepted (step 520).

When the bank system 100 according to an embodiment receives a preliminary electronic transaction invoice from a customer, transaction information corresponding to the electronic transaction invoice of the customer may be displayed on the screen of the window terminal 525, and the counter terminal Based on this, the bank can handle banking with the customer.

Apart from step 510, even when the customer 501 visits the bank teller directly without transmitting the preliminary e-invoice, the teller terminal 525 directly conducts the preliminary e-commerce on the basis of the transaction request from the customer 501. A bill may be generated to accept the customer's bank teller operation (step 520).

In addition to deposit inquiry / transfer operations, the bank teller service can provide funds / beneficiary certificates for fund accounts, credit cards for credit card-linked accounts, foreign exchange-related transactions for foreign exchange accounts, It may include loan inquiry / repayment related loan accounts and giro / local tax related jobs.

When the customer 501 joins a new financial product or opens a new account, the customer 501 uses the scanner 545 to photograph the date, signature, or name indicated on the transaction invoice received through the window terminal 525 to open the account. Identification information of the customer corresponding to the account can be obtained. The identity information of the customer corresponding to the opened account may be registered in the bank system 100 and stored in the customer database.

When the customer 501 joins a new financial product or opens a new account, he / she may generate a personal identification card containing the stamp, signature or name of the customer 501 corresponding to the account. When it is confirmed that there is no error in the transaction invoice, the employee of the counter terminal 525 may request the customer to seal or sign the customer's identity, and in response, the customer may submit the identification card 200 according to the embodiment. May be step 530.

In operation 540, the personal identification card 200 of the customer is scanned using the scanner 545 linked to the counter terminal 525, and the personal authentication information includes at least one of the customer's seal information, signature information, and name information. Can be obtained. If there is no error after verifying the identity by checking the identity information obtained from the identity card 200 through the scanner and the identity information of the customer stored in the customer database corresponding to the current transaction request account, if there is no error, identity authentication through the scanner The identity authentication information obtained from the card 200 may be attached to the preliminary electronic transaction bill, thereby completing the registered electronic transaction bill.

On the basis of the registered electronic transaction bill attached with the customer's identity information, the transaction application content is again checked between the customer 501 and the counter terminal 525, and if there is no error, the transaction password of the customer using the password register 565. Is registered, and the financial transaction can be processed (steps 550, 560). If the customer 501 has applied for withdrawal, the withdrawal transaction can be processed.

According to the transaction processing result, a cash receipt or withdrawal payment and a transaction receipt are paid to the customer 501 (step 570), and the customer 501 is paid the withdrawal money, and the processing result can be confirmed through the receipt.

The block diagrams disclosed in the present invention may be interpreted by those skilled in the art as a conceptual representation of a circuit for implementing the principles of the present invention. Similarly, any flow chart, flow chart, state diagram, pseudocode, etc. may be substantially represented on a computer readable medium, such that the computer or processor may be executed by such a computer or processor whether or not it is explicitly shown. It will be appreciated by those skilled in the art to represent the process. Therefore, the above-described embodiments of the present invention can be written as a program that can be executed in a computer, and can be implemented in a general-purpose digital computer which operates the program using a computer-readable recording medium. The computer-readable recording medium may include a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).

The functions of the various elements shown in the figures may be provided through the use of dedicated hardware as well as hardware capable of executing software in association with appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, by a single shared processor, or by a plurality of individual processors, some of which may be shared. In addition, the explicit use of the term “processor” or “control unit” should not be construed as exclusively referring to hardware capable of executing software, and without limitation, digital signal processor (DSP) hardware, read-only for storing software. Memory (ROM), random access memory (RAM), and non-volatile storage.

In the claims of this specification, an element represented as a means for performing a specific function encompasses any way of performing a specific function, and the element may be a combination of circuit elements performing a specific function, or performing a specific function. It may include any form of software, including firmware, microcode, etc., coupled with suitable circuitry to carry out the software for.

Reference herein to 'one embodiment' of the principles of the present invention and various modifications of this expression is that in connection with this embodiment certain features, structures, characteristics, etc., are included in at least one embodiment of the principles of the present invention. it means. Thus, the expression 'in one embodiment' and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In the present specification, in the case of at least one of A and B, the expression 'at least one of' means only the selection of the first option (A), or only the selection of the second listed option (B), or both. It is used to cover the selection of options (A and B). As an additional example, for at least one of A, B, and C, only the selection of the first listed option (A), or the selection of the second listed option (B), or the third listed option (C ), Only the selection of the first and second listed options (A and B), only the selection of the second and third listed options (B and C), or the selection of all three options ( A, B, and C) may be encompassed. Even if more items are enumerated, it may be obviously extended to those skilled in the art.

So far I looked at the center of the preferred embodiment for the present invention.

All embodiments and conditional examples disclosed throughout the specification are intended to help one of ordinary skill in the art to understand the principles and concepts of the present invention. It will be understood that modifications may be made without departing from the essential features of the invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

Claims (12)

In the method of processing a bank teller using an electronic transaction bill,
Receiving an electronic transaction bill including the transaction request information of the customer;
Obtaining identification information from the identification card of the customer by using a scanner;
Attaching the obtained personal authentication information to the electronic transaction bill; And
Processing the transaction request of the customer based on the electronic transaction invoice;
The identity authentication card, a groove is formed at a predetermined position of the card body in the form of a financial transaction card, the width of which can include at least one of a seal, a signature, and a name, the material layer that can adsorb ink from the bottom of the groove Embedded in a transparent protective film layer covering the grooves to protect the material layer and the ink layer;
The identity authentication information, the electronic teller billing processing method of claim 1, characterized in that it comprises at least one of the stamp information, signature information and name information obtained by scanning the identity card. The method of claim 1,
Receiving the electronic transaction bill, the step of receiving a preliminary electronic transaction bill containing the transaction request of the customer from the terminal of the customer terminal or the branch of the bank of the bank,
The attaching the personal authentication information to the electronic transaction bill includes attaching the obtained personal authentication information to the preliminary electronic transaction bill, and generating a registered electronic transaction bill registered with a bank server.
The preliminary electronic transaction invoice and the registered electronic transaction invoice includes a transaction invoice for opening a new account of the customer and a transaction invoice for an existing account. The method of claim 1, wherein receiving the electronic transaction invoice,
Scanning at least one of the customer's seal, signature, and name shown on the new transaction invoice for opening the customer's new account; And
At least one of the customer's seal information, signature information, and name information obtained by scanning the new transaction invoice is stored in the customer database storing the account information and the personal information of the customer as the personal authentication information corresponding to the new account. An electronic transaction invoice based bank teller processing method comprising the step of storing. The method of claim 2, wherein the attaching the personal authentication information to the electronic transaction bill is performed.
Confirming the identity by matching the personal identification information of the customer stored in the customer database of the bank with the personal identification information obtained by using the scanner in response to the account requested for transaction from the customer;
If the identity is confirmed, the electronic transaction invoice-based bank teller process comprising the step of generating the registered electronic transaction invoice by attaching the personal authentication information obtained using the scanner to the preliminary electronic transaction invoice. Way. The method of claim 4, wherein the identifying of the identity comprises:
Receiving identity information of the customer stored in the customer database of the bank and the identity information obtained by using the scanner, which is determined using a signature recognition collation program of the bank system or the window terminal. An electronic transaction invoice based bank teller processing method characterized in that the. The method of claim 4, wherein the checking of the identity comprises:
And receiving identity information between the personal identification information of the customer stored in the customer database of the bank and the personal identification information obtained by using the scanner, which is determined based on visual discrimination of the employee of the window terminal. An electronic transaction invoice based bank teller processing method. The method of claim 1, wherein processing the customer's transaction request comprises:
Examining transaction request information of the registered electronic transaction bill;
Receiving password information for an electronic transaction from the customer; And
And performing the electronic transaction on the basis of the result of the examination of the electronic transaction bill and the received password information. The method of claim 7, wherein processing the customer's transaction request,
And storing the registered electronic transaction invoice in a customer database that stores the account information and personal information of the customer. In a banking system for processing a window service using an electronic transaction bill,
A customer identification information receiving unit which receives the identification information of the customer obtained by scanning the identification card of the customer from a scanner;
An electronic transaction invoice delivery unit for receiving the electronic transaction invoice including the transaction request information of the customer and attaching the obtained personal authentication information to the electronic transaction invoice; And
A transaction processing unit for processing a transaction request of the customer based on the electronic transaction invoice to which the customer's identity information is attached;
The identity authentication card, a groove is formed at a predetermined position of the card body in the form of a financial transaction card, the width of which can include at least one of a seal, a signature, and a name, the material layer that can adsorb ink from the bottom of the groove Embedded in a transparent protective film layer covering the grooves to protect the material layer and the ink layer;
The identity authentication information, the bank system for processing a window service based on the electronic transaction bill, characterized in that it comprises at least one of the stamp information, signature information and name information obtained by scanning the identity card. The method of claim 9, wherein the bank system,
Further comprising a customer database for storing the account information and personal information of the customer,
The transaction processing unit, the bank for processing the window service on the basis of the electronic transaction bill, characterized in that for storing the electronic transaction bill attached to the obtained personal authentication information and the obtained personal authentication information to the customer database. system. The method of claim 9, wherein the electronic transaction bill delivery unit,
Receives the identification information obtained by using the scanner from the customer identification information receiving unit,
Corresponding to the account requested for transaction from the customer by checking the identity of the customer stored in the customer database of the bank and the identity authentication information obtained using the scanner to confirm the identity,
If the identity is confirmed, the bank system for processing the window service based on the electronic transaction bill, characterized in that attached to the electronic transaction billing identity information obtained by using the scanner. In the card for the authentication of the customer,
It consists of a card body in the form of a financial transaction card made of synthetic resin material,
In a predetermined position of the card body, a groove having a width that can include at least one of a stamp, a signature, and a name is formed,
The groove of the card body includes a material layer through which ink can be adsorbed from the bottom of the groove, at least one ink layer of the customer's seal, signature, and signature, and the groove to protect the material layer and the ink layer. Customer authentication card, characterized in that the buried in a transparent protective film layer covering the.

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