KR20140069863A - Method and System for Depositing Small Change Based on Code, Bank Server Therefor - Google Patents

Abstract

The present invention relates to a method and a system for providing deposit service of small change based on a code, and a bank server therefor. The system comprises: a client terminal issuing a code necessary for the deposit of change and requesting the deposit of change by using the issued code; an affiliated company terminal for reading code information from the code of the client terminal according to the request for deposit of small change by the client terminal and transmitting the read code information and change information; and a bank server for issuing the code to the client terminal, receiving the code information and the change information from the affiliated company terminal, verifying the code information, and depositing the change into an account of a client according to the change information.

Description

METHOD AND SYSTEM FOR PROVIDING CODE-BASED REPLACEMENT SUBSCRIPTION SERVICE, AND BANK SERVER FOR THE SAME

More particularly, the present invention relates to a code-based change deposit service providing method and system for depositing change funds generated after a cash transaction in a bank account of a bank using a code issued from a bank And a bank server for this purpose.

In general commercial transactions, when purchasing goods without paying a credit card or other means of payment, the user pays a large amount of paper money and receives a small amount of paper money or coins. The small bills and coins that are received with such change are small enough to be used when needed while being put into wallets or pockets. They are not large in value and occupy a lot of weight and weight, so that most people do not carry them and store them in storage areas such as drawers and piggy banks. There are many cases in which they are not used for a long time and are banned.

However, coins and other currencies are not to be sold out but should be circulated. If coins are not used and collected in one place, coins circulated in the market will be shortened and coins must be issued again. Therefore, the cost of ticketing increases, There arises a problem that results in waste.

On the other hand, conventionally, a barcode-based payment (payment) service has been commercialized, but there is no barcode-based change deposit service.

Disclosure of the Invention The present invention has been conceived to solve the problems described above, and it is an object of the present invention to provide a code-based change deposit service capable of removing inconvenience caused by carrying a change of a customer, Method and system, and a bank server therefor.

In order to achieve the above object, according to a first aspect of the present invention, there is provided a code-based change deposit service providing system according to the present invention, in which a code necessary for a change deposit is issued and a change- A requesting customer terminal; An affiliate terminal for reading the code information from the code of the customer terminal according to the change request of the customer terminal and transmitting the read code information and the change information; And a control unit for issuing the code to the customer terminal, receiving the code information and the change information from the affiliate terminal, performing verification on the code information, and transmitting the change information according to the change information to the customer account Server.

According to a second aspect of the present invention, there is provided a bank server according to the present invention, comprising: a code generating unit for generating a code necessary for changing money in response to a code issuing request of a customer terminal; A data verifying unit that verifies the code information read from the code of the customer terminal by the affiliate terminal; A database unit for storing account information including a plurality of customer accounts, a service mother account, and an affiliate parent account; And transmitting the code generated by the code generator to the client terminal, receiving the code information and the change information from the affiliate terminal, verifying the code information using the data verifier, And a control unit for controlling the deposit of the change in accordance with the information in the customer account.

According to a third aspect of the present invention, there is provided a method of providing a code-based change deposit service according to the present invention, the method comprising: issuing a code necessary for depositing change money to a customer terminal; Receiving code information and change information read from a code of the customer terminal from an affiliate terminal; Performing verification of the code information; And depositing the change amount according to the change amount information in the customer account.

As described above, according to the present invention, there is provided a code-based change deposit service providing method and system for depositing a change in a customer after a cash transaction using a code issued from a bank to a bank account of the bank, It is possible to remove the inconvenience of carrying the change at the origin and to transfer the generated change immediately to the account of the user so that it is possible to make a small amount of savings and reduce the number of sleeping coins and contribute to the economy of the country.

In addition, the affiliate can reduce the human error rate of the change payment and reduce the hassle of securing the coin tense.

In addition, a large number of low-cost accounts can be secured from the viewpoint of the bank, and it is possible to easily create charging synergy by linking the prepaid rechargeable mobile payment service (for example, IBK Smart Money) with the dedicated virtual account.

1 is a diagram illustrating a configuration of a code-based change deposit service providing system according to an embodiment of the present invention;
FIG. 2 is a block diagram showing a schematic configuration of a bank server according to an embodiment of the present invention;
3 is a signal flow diagram illustrating a code-based change deposit service providing method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

1 is a diagram illustrating a configuration of a code-based change deposit service providing system according to an embodiment of the present invention.

Referring to FIG. 1, a change deposit service providing system according to the present invention includes a customer terminal 110, an affiliate terminal 120, a bank server 130, and the like.

The customer executes the bank application installed in the customer terminal 110 and inputs the customer identification authentication information including the ID, password, PIN number and certificate password to the bank application, (130) and receives a code from the bank server (130). That is, the customer terminal 110 requests the bank server 130 for a code necessary for depositing change money, and receives a code from the bank server 130.

The customer pays cash after purchasing the product from a partner such as a convenience store or the like and presents a code issued from the customer terminal 110 to the partner company in order to request the deposit of the change in case of change.

The customer terminal 110 may be a mobile phone, a smart phone, a PDA, a PMP, a navigation device, a WiBro terminal, and a telematics device.

The affiliate employee scans the code of the customer terminal 110 presented by the customer using the affiliate terminal 120. The affiliate terminal 120 reads the code information from the code of the customer terminal 110, and transmits the read code information and the change information to the bank server 130. Here, the affiliate terminal 120 is a POS (Point Of Sales) terminal.

The bank server 130 verifies the customer using the information (hereinafter, referred to as "ID information") of the ID received at the time of connection of the customer terminal 110 at the time of requesting the code of the customer terminal 110, And transmits the generated code to the customer terminal 110. The bank server 130 may inquire customer information including a customer's name, a social security number, an address, a telephone number, and a customer account when verifying the customer using the ID information.

The bank server 130 receives the code information and the change information from the affiliate terminal 120, and performs verification of the code information. When the bank server 130 verifies the code information, the bank server 130 performs authentication for the customer (for example, whether or not the customer makes a change deposit service) using the code information, and transmits the customer account corresponding to the code information .

In addition, the bank server 130 verifies the code information, deposits the change according to the change information in the customer account, and transmits the deposit result to the customer terminal 110. At this time, it is preferable that the bank server 130 deposits only the change amount of the change amount less than the predetermined reference amount in the customer account. Therefore, the customer can deposit only the change amount less than the amount he / she wants in the account.

In addition, the change deposit service providing system according to the present invention may further include a mobile payment settlement service providing server (not shown) for performing charge and payment settlement of cash in connection with a customer account. Thus, in addition to depositing the change in the customer account using the change deposit service, the customer can use the mobile payment service to prepay cash to the customer account or to make payment using the deposited money.

Hereinafter, the configuration of the bank server 130 according to the present invention and the operation of each component will be described.

2 is a block diagram showing a schematic configuration of a bank server according to an embodiment of the present invention.

2, a bank server 130 according to the present invention includes a code generating unit 210, a data verifying unit 220, a communication unit 230, a financial transaction processing unit 240, a change calculation unit 250, A control unit 270, a database unit 280, and the like.

The code generating unit 210 generates a code necessary for depositing change money in response to the code issuing request of the customer terminal 110. [ Here, the code includes a one-dimensional barcode such as UPC (Universal Product Code), EAN (European Article Numbering), code 39, Interleaved 2 of 5, code 93, code 128, Plessey code, code 11, Dimensional barcode and color code such as a -417 code, a QR code, and a data matrix.

The data verification unit 220 verifies the code information read from the code of the customer terminal 110 by the affiliate terminal 120. [ Here, the data verifying unit 220 performs authentication for the customer using the code information (for example, whether or not to join the change deposit service of the customer), and inquires the customer account corresponding to the code information.

The communication unit 230 provides a network interface for performing wired / wireless communication with the customer terminal 110 and the affiliate terminal 120.

The financial transaction processing unit 240 processes financial transactions such as inquiry, withdrawal, and transfer of a customer account. Accordingly, the customer can deposit change money in his or her own account, as well as perform financial transactions such as inquiry, withdrawal, transfer, and payment of the bills on the deposited change money.

The change amount calculation unit 250 calculates a change amount less than a predetermined reference amount in the change amount.

The error preventing unit 260 filters the change amount of the predetermined reference amount or more to be deposited or the change amount of the calculated change amount to be duplicated. Accordingly, the financial server 130 can prevent the change money from being deposited due to a communication error or illegal action of the terminal, and can correctly deposit the requested change money.

The control unit 270 transmits the code generated by the code generating unit 210 to the customer terminal 110 and receives the code information and the change order information from the affiliate terminal 120. [ Here, the control unit 270 may receive the affiliate information in addition to the code information and the change information.

The control unit 270 verifies the code information using the data verification unit 220 and then uses the financial transaction processing unit 240 to deposit the change according to the change information in the customer account, And transmits the deposit result to the customer terminal 110. [ In detail, the control unit 270 controls the financial transaction processing unit 240 to select the change money from the service money account and deposit the money in the customer account. Then, the control unit 270 controls the financial transaction processing unit 240 to withdraw money corresponding to the total withdrawal amount per day from the affiliate mother's account to a center-cut process and deposit the money into the service mother account. Here, the center-cut means that the credit card payment and various utility bills are automatically paid on a predetermined date every month.

In the present invention, it is preferable that the control unit 270 calculates the change amount less than the predetermined reference amount in the change amount using the change amount calculation unit 250 and deposits the change amount calculated using the financial transaction processing unit 240 in the customer account Do.

The database unit 280 stores account information for a plurality of customer accounts, a service mother account, and an affiliate mother account. In addition, the database unit 280 may store customer information, affiliate information, deposit details by customer, and the like. To this end, the database unit 280 may be divided into a plurality of storage areas or may be implemented as an external storage device.

3 is a signal flow diagram illustrating a code-based change deposit service providing method according to an embodiment of the present invention.

First, the customer visits the bank directly or accesses the bank server 130 using the customer terminal 110 to register the change deposit service. At this time, the customer can open an account for the change deposit service or use an existing account. Here, the customer account can be an entry / exit account, a virtual account, a savings account, and the like.

Referring to FIG. 3, the customer terminal 110 requests the bank server 130 to issue a code necessary for depositing change money (S310). That is, the customer executes the bank application of the customer terminal 110 and inputs customer identification authentication information including an ID, a password, a PIN number, and a certificate password, and then requests a code issuance required for a change deposit.

The bank server 130 verifies the customer using the ID information according to the code issuance request of the customer terminal 110, generates the code, and transmits the generated code to the customer terminal 110 (S320) .

When a customer pays cash after purchasing goods from a partner such as a convenience store, a change occurs. Accordingly, the customer executes the bank application of the customer terminal 110 to present the issued code to the affiliate employee, thereby requesting the transfer of change money.

The affiliate terminal 120 reads the code information from the code of the customer terminal 110 (S330). That is, the affiliate employee scans the code of the customer terminal 110 presented by the customer using the affiliate terminal 120.

The affiliate terminal 120 transmits the deposit details (i.e., code information and change information) to the bank server 130 (S340).

The bank server 130 verifies the code information received from the affiliate terminal 120 (S350). Here, the bank server 130 performs authentication for the customer using the code information (for example, whether or not to join the change deposit service of the customer), and inquires the customer account corresponding to the code information.

Subsequently, the bank server 130 deposits the change according to the change information in the customer account (S360). At this time, the bank server 130 elects the change money from the service money account and deposits the change money into the customer account. Here, it is preferable that the bank server 130 calculates a change amount less than a predetermined reference amount in the change amount, and deposits the calculated change amount in the customer account. For example, if the change is 4,300, if the customer wants to deposit only 300 won, which is received as a coin instead of 4,300 won, the customer sets the reference amount at 1000 won and the change of 300 You will deposit the amount in the customer's account, and you will receive a change of 4,000 won from the affiliate employee.

Finally, the bank server 130 transmits the deposit result to the customer terminal 110 (S370). Here, the deposit result may include information on the current change amount and the accumulated change amount.

In addition, the bank server 130 withdraws money as much as the total withdrawal amount per day from the partner parent company by the center-cut process and deposits the money into the service parent account (S380).

In the meantime, the present invention can be applied to various playback apparatuses by implementing the code-based change deposit service providing method described above as a software program and recording the program on a predetermined recording medium.

The various playback devices may be a PC, a notebook, and a portable terminal.

For example, the recording medium may be a hard disk, a flash memory, a RAM, a ROM, or the like embedded in each reproduction apparatus, or an external optical disk such as a CD-R or a CD-RW, a compact flash card, a smart media, have.

In this case, the program recorded on the recording medium includes a process of issuing a code necessary for depositing change money to the customer terminal as described above, a process of receiving code information and change order information read out from the code of the customer terminal from the affiliate terminal, Performing a verification of the information, and depositing the change according to the change information in the customer account.

The embodiments disclosed in the specification of the present invention do not limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

210: code generation unit 220: data verification unit
230: communication unit 240: financial transaction processing unit
250: Change calculation unit 260: Error prevention unit
270: control unit 280:

Claims (16)

A customer terminal for issuing a code necessary for depositing change money and requesting deposit of change money using the issued code;
An affiliate terminal for reading the code information from the code of the customer terminal according to the change request of the customer terminal and transmitting the read code information and the change information; And
A bank server for issuing the code to the customer terminal, receiving the code information and the change information from the affiliate terminal, verifying the code information, and depositing the change according to the change information in the customer account ;
Based change deposit service providing system.
The method according to claim 1,
Wherein the code is one of a one-dimensional bar code, a PDF-417 code, a QR code, a two-dimensional bar code, and a color code.
The method according to claim 1,
Wherein the customer account is any one of an entry / exit account, a virtual account, and a deposit account.
The method according to claim 1,
Wherein the bank server deposits a change amount less than a predetermined reference amount in the change account in the customer account.
The method according to claim 1,
A mobile payment settlement service providing server for performing charge and payment settlement of cash in connection with the customer account;
Based change deposit service providing system.
A code generation unit for generating a code necessary for depositing change money in response to a code issuance request of the customer terminal;
A data verifying unit that verifies the code information read from the code of the customer terminal by the affiliate terminal;
A database unit for storing account information for a plurality of customer accounts, a service mother account, and an affiliate mother account; And
A code generator for generating a code for the code information, a code generator for generating a code for the code information, a code generator for generating a code for the code information, To deposit in the customer's account;
A bank server containing.
The method according to claim 6,
Wherein the code is one of a one-dimensional bar code, a PDF-417 code, a QR code, a two-dimensional bar code, and a color code.
The method according to claim 6,
Wherein the customer account is any one of an entry / exit account, a virtual account, and a savings account.
The method according to claim 6,
The control unit selects the change money from the service mother account, deposits the money into the customer account, withdraws money of the total withdrawal amount per day from the affiliate mother's account by a center-cut process, And a banking server for receiving the bank transfer request.
The method according to claim 6,
A financial transaction processing unit for processing a financial transaction including inquiry, withdrawal and transfer for the customer account;
Wherein the bank server further comprises:
The method according to claim 6,
A change amount calculating unit for calculating a change amount less than a predetermined reference amount in the change amount;
Further comprising:
And the control unit deposits the calculated change in the customer account.
12. The method of claim 11,
An error preventing unit for filtering a change amount equal to or greater than the predetermined reference amount or for inputting the calculated change amount in a duplicated manner;
Wherein the bank server further comprises:
Issuing a code necessary for depositing change money to the customer terminal;
Receiving code information and change information read from a code of the customer terminal from an affiliate terminal;
Performing verification of the code information; And
Depositing a change amount according to the change amount information in a customer account;
Based change deposit service providing method.
14. The method of claim 13, wherein depositing the change in the customer account comprises:
Calculating a change amount less than a predetermined reference amount among the change amounts; And
Depositing the calculated change in the customer account;
Based change deposit service providing method.
14. The method of claim 13, wherein, in depositing the change in the customer account,
Wherein the change amount is selected by the service mother account and the deposit is deposited into the customer account.
16. The method of claim 15, further comprising: after depositing the change in the customer account,
Withdrawing money corresponding to the total withdrawal amount by the center-cut process from the partner's parent account and depositing the funds into the service mother account;
Further comprising the steps of: providing a code-based change deposit service;

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