KR20180134438A - Financial device and automatic adjustment system for amount of sales - Google Patents

Abstract

The present invention relates to a financial apparatus and an automatic settlement service system capable of quickly and correctly processing settlement for a sale amount through the financial apparatus. According to one embodiment of the present invention, the financial apparatus comprises: a medium input/output unit to input or output a medium; a medium storage unit to store the medium; a recognition unit to recognize settlement result information of a code type including user information, a store code, and an evaluated settlement amount to settle a settlement amount fixed to a sale amount; and a control unit to control the medium input/output unit, the medium storage unit, and the recognition unit in order to perform at least one financial transaction among at least deposit, withdrawal, and remittance. When the settlement result information of the code type is recognized, the control unit requests settlement amount deposit account information to a predetermined point of sales (POS) management server based on the settlement result information to receive the corresponding settlement amount deposit account information from the POS management server. When at least a part of the settlement amount is deposited based on the settlement amount deposit account information, the control unit transmits deposited settlement amount deposit information to a predetermined settlement amount deposit bank server to receive settlement amount deposit complete information with respect to the settlement amount deposit information from the settlement amount deposit bank server so as to perform settlement.

Description

Financial apparatus and automatic settlement service system

The present invention relates to an automatic settlement service system and method using a financial instrument.

In general, stores such as convenience stores, restaurants, and coffee shops are building POS systems using point-of-sales terminals.

Business owners of these stores visited the main bank window and deposited the payment for the receipts.

However, in order to settle settlement of accounts receivable, the owners of the store have time limit to visit and process within the business hours of the bank, and there was inconvenience to use the special bank to solve the remittance fee.

On the other hand, financial instruments such as ATM (hereinafter referred to as "convenience store automation device") installed in a convenience store and operated 24 hours a day, 365 days generally manage cash in a financial value added network (VAN) company, Due to the nature of the transaction, the withdrawal transactions often require cash to be supplemented frequently.

An object of the present invention is to provide an automatic settlement service system and method capable of quickly and accurately performing a settlement process for an account through a financial instrument.

A financial device according to an embodiment of the present invention includes: a media input / output unit for depositing or withdrawing a medium; A media storage for storing media; A recognition unit for recognizing settlement result information in the form of a code including user information, a store code, and an amount to be settled for settlement of the settlement determined for the account; And at least one financial transaction between at least one of deposit, withdrawal, and transfer of money is performed by controlling the media input / output unit, the media storage unit, and the recognition unit. If the code settlement result information is recognized, And receives the set deposit deposit account information from the POS management server. When at least a part of the settlement deposit is deposited based on the settlement deposit deposit account information, the settlement deposit information deposited in the designated settlement deposit deposit bank server is transmitted And a control unit for receiving the settlement deposit completion information on the settlement deposit information from the bank deposit deposit bank server and performing settlement processing.

The financial device according to an embodiment of the present invention may further include a communication unit for communicating with the POS management server or the bank deposit deposit bank server through the financial VAN server.

Further, the financial device according to an embodiment of the present invention may further include an output unit for outputting the settlement transaction specification sheet based on the received settlement deposit completion information.

The control unit can further transmit the settled deposit information to the POS management server when transmitting the set deposit deposit information.

For example, the settlement result information is the settlement result information that is output in the form of a barcode or a QR code based on the settlement determined according to the settlement request for the revenues from the POS terminal in each store.

The recognition unit may receive, as settlement result information, a bar code or a QR code printed from a POS terminal printed with a bar code or a specification sheet including a QR code or a specification sheet including a bar code or a QR code on a display unit of a designated user terminal Can be recognized.

For example, the account settlement account information may include user information, a store code, an amount to be settled, a settlement deposit bank, and a deposit account number. The settlement deposit account information may further include error determination information on the settlement result information.

For example, the settled deposit information may include user information, store code, scheduled amount, input amount, monthly change amount, settlement deposit bank, and deposit account number.

The settlement amount is determined by the POS terminal based on the monthly amount of sales and change.

The automatic settlement service system according to another embodiment of the present invention includes a POS terminal connected to a POS management server for confirming a settlement in response to a settlement request for an account receivable and outputting settlement result information based on the confirmed settlement in a set code format, ; And a financial transaction including at least a deposit, a withdrawal, and a money transfer. When the code settlement result information is recognized, the settlement deposit account information based on the settlement result information is requested to the POS management server, And transmits settlement deposit information deposited to the specified settlement deposit bank server and the POS management server when at least a part of the settlement deposit is deposited based on the settlement deposit deposit account information, And a financial instrument that receives the settlement deposit completion information.

Meanwhile, the settlement code output system according to another embodiment of the present invention includes: a POS management server connected to each POS terminal and managing settlement and settlement of accounts for each store; And a POS terminal for outputting settlement result information including user information, a store code and a scheduled settlement amount in a set code form based on the determined settlement amount, .

According to the present invention, it is possible to carry out the settlement processing on the account receipt through the financial instrument such as the convenience store automation device without having to visit the bank window directly, thereby enhancing the convenience of business administration and enhancing the utilization of the financial instrument.

In addition, financial instruments such as convenience store automation devices can be utilized for withdrawal transactions using cash deposited during settlement processing, thereby minimizing the inconvenience of replenishing convenience store automation equipment, which is the most part of withdrawal transactions.

Other effects according to the present invention will be further described with reference to the following embodiments.

1 is a perspective view schematically showing a financial instrument according to an embodiment of the present invention.
2 is a block diagram schematically showing a configuration of an automatic settlement service system according to an embodiment of the present invention.
3 is a block diagram schematically showing a configuration of an automatic settlement service system according to another embodiment of the present invention.
FIG. 4 shows a code form including the settlement result information. FIG. 4 (a) is an embodiment of a bar code form, and FIG. 4 (b) is an embodiment of a QR code form.
5 is an exemplary diagram for explaining a data transmission / reception process when code settlement result information is recognized in a convenience store automation device.
6 is an exemplary diagram showing the account settlement account information data.
7 is an exemplary diagram for explaining a data transmission / reception process when a payment is deposited in the convenience store automation device.
8 is an exemplary diagram showing the deposit deposit information data.
9 is an exemplary view showing a settlement transaction specification sheet.
10 is a flowchart illustrating an automatic settlement service method according to an embodiment of the present invention.
11 is a flowchart illustrating an automatic settlement service method according to another embodiment of the present invention.
FIG. 12 is a flowchart illustrating an account settlement process by a convenience store automation apparatus according to an embodiment of the present invention.

Hereinafter, some embodiments of the present invention will be described in detail with reference to exemplary drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference symbols as possible even if they are shown in different drawings. In the following description, well-known functions or constructions are not described in detail since they would obscure the understanding of the embodiments of the present invention.

In describing the components of the embodiment of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected or connected to the other component, Quot; may be "connected," "coupled," or "connected. &Quot;

1 is a perspective view schematically showing a financial instrument according to an embodiment of the present invention.

Referring to FIG. 1, a financial instrument 100 according to an embodiment of the present invention may include a medium processing apparatus for processing a medium.

The financial instrument 100 may further include a customer information obtaining unit for obtaining customer information.

The customer information acquiring unit may include a passbook processing module 114 for allowing passbooks to be input and output and recognizing passbooks. Alternatively, the customer information obtaining unit may include a card processing module 115 for allowing the card to be input / output and recognizing the card.

In this embodiment, there is no limitation on the type of the customer information obtaining unit, and it is also possible to acquire the information recorded in the short distance communication, the RFID tag or the USB, or obtain the customer information by using the biometric information such as the fingerprint.

The financial instrument 100 may further include a user interface 111 capable of displaying a menu and information for depositing or withdrawing money and inputting or selecting a command or information for depositing or withdrawing money.

The financial instrument 100 may further include a control unit (not shown) capable of controlling the media processing apparatus and the customer information obtaining unit or the user interface 111 of the financial instrument. In this case, the control unit may include a media processing apparatus control unit for controlling the media processing apparatus, and a financial apparatus control unit for controlling the financial apparatus.

The media processing apparatus may include an upper module and a lower module. The upper module may be removably connected to the lower module or may be movably connected to the lower module. Or the upper module and the lower module may be kept in a contact state without being connected to each other.

The media processing apparatus may include a media input / output module (112, 113) for input / output of a medium.

The media input / output modules 112 and 113 may include a media storage space accessible by a customer, and the media storage space may be opened and closed by a closure member such as a shutter and / And may sometimes remain open without being opened or closed. The media storage space may be partitioned into a plurality of storage spaces by a partition member.

The media input / output modules 112 and 113 can serve as a common input / output unit through which a plurality of types of media, such as banknotes, checks, and gift vouchers, can be input and output. The media can be input into the media input / output modules 112 and 113 in units of a bundle or a bundle. In addition, the media may be ejected to the media entry / exit module 112, 113 in a sheet or bundle basis.

Alternatively, a draw-in space in which the media is drawn in the media input / output modules 112 and 113 and a draw-out space in which the media is drawn out can be distinguished. Alternatively, the media input / output module may include an independent media entry module and a media extraction module.

The media processing apparatus may further include a discrimination module (not shown). The discrimination module can identify the denomination, the thickness, the amount of the denomination of the medium or the defective medium in the deposit transaction process and the withdrawal transaction process of the medium.

The medium processing apparatus may further include a temporary accumulation module for temporarily accumulating the medium.

The temporary integration module may temporarily integrate the media received through the media input / output modules 112 and 113 when the customer intends to deposit the medium into the financial instrument.

The medium integrated in the temporary integration module may be transferred to a media storage section which will be described later when the customer finally decides to store the medium. Alternatively, the temporary integration module may temporarily collect the medium to be transferred to the medium entry / exit module.

The medium processing apparatus may further include a medium storage section for storing the medium. The media storage unit may include a plurality of media storage modules 116.

The plurality of media storage modules 116 may include one or more bill storage modules and one or more check storage modules. In this specification, the number of the bank note storage module and the check storage module is not limited. As another example, it is also possible that the media storage unit includes only a banknote storage module or a check storage module. Alternatively, the plurality of media storage modules may include a storage module for storing gift certificates, securities, tickets, and the like. Alternatively, the check storage module can be replaced by a storage module that stores gift certificates, securities, tickets, and the like.

The media processing apparatus may further include a replenishment recovery module (not shown) for replenishing or recovering the medium. In the replenishment recovery module, one or more of the medium to be supplemented to the medium storage portion and the medium recovered from the medium storage portion may be stored.

The media processing apparatus may further include a collection module (not shown). In the recovery module, a medium determined to be a defective medium may be recovered in at least one of a process of depositing a medium, a process of withdrawing the medium, a process of supplementing the medium, and a process of recovering the medium. In other words, a medium which has been taken out to the medium entry / exit module but has been tried by the customer and / or which is judged as a bad medium in the discrimination module or a medium which is not recognized in the discrimination module may be accommodated. In addition, the media processing apparatus may further include a deposit check collection space in which the deposit check transferred from the media entry / exit module is collected when the financial instrument includes a check insertion / withdrawal function. At this time, the deposit check may be recovered by separating the check issued by the bank operating the financial institution from the check issued by another bank. The deposited check collection space may be configured as a separate module from the collection module, or may be divided into the divided spaces in the collection module. The collection module and / or the check collection space may be located at the rear end of the financial instrument so that the manager or manager can open the door to easily access the collection module and / or the check collection space.

Such a medium processing apparatus may include a transfer module for transferring a medium to be deposited or a medium to be discharged for withdrawal to respective modules.

Examples of the financial device according to the present invention may include an automatic teller machine (ATM) such as a cash dispenser (CD), a cash recycling device, and the like. However, the financial instrument is not limited to the above-described example, and may be a device for automating financial business such as FIS (Financial Information System). Hereinafter, a convenience store automation device (i.e., a financial automation device installed in a convenience store) as a financial device according to the present invention will be described as an example.

Next, an automatic settlement service system using a financial instrument according to the present invention will be described with reference to FIG. 2 and FIG. 2 is a block diagram schematically showing a configuration of an automatic settlement service system according to an embodiment of the present invention. 3 is a block diagram schematically showing a configuration of an automatic settlement service system according to another embodiment of the present invention.

2, the automatic settlement service system according to the present invention includes a POS terminal 10, a POS management server 20, a convenience store automation device 30, a financial VAN server 40, and a bank server 50, Or may include a POS terminal 10, a POS management server 20, a convenience store automation device 30 and a bank server 50, as shown in Fig. 3, 30 may be directly connected to the bank server without going through the financial VAN server 40.

First, a point-of-sales terminal (POS) 10 is installed in a store such as a convenience store, a restaurant, and a coffee shop. The POS terminal 20 inputs sales information of a product at each selling point, And collects, stores, and transmits product information and customer information at the time of sale. The POS terminal 10 is connected to the POS management server 20, and can determine the settlement amount in accordance with the settlement request for the revenues, and output the settlement result information based on the determined settlement amount in the set code form.

For example, when outputting the settlement result information in the set code form, the bar code (a) or the QR code (b) including the settlement result information is generated as shown in FIG. 4 for example and the bar code Or may transmit an image of a code form as settlement result information to a designated user terminal of a manager of each store and output the message to the display unit of the corresponding user terminal. At this time, the code system is set as a code system that can be used between the POS terminal 10 and the convenience store automation apparatus 30. [ In this way, the security can be enhanced by outputting the settlement result in the form of a code, and the user information and the settlement amount can be automatically recognized through code recognition, so that promptness, convenience and accuracy in settlement processing can be improved.

The settlement result information may include user information (e.g., a user's unique number, a data length of 5 bytes), a store code (e.g., data length of 4 bytes), and a scheduled amount of money (e.g., data length of 15 bytes).

Then, the POS management server 20 is a central computer of the POS system, and is a server connected to each of the POS terminals 10 to manage settlement and settlement of accounts of POS terminals for each shop. The POS management server 20 can perform data communication with the convenience store automation device 30 through the associated financial VAN server 40 as shown in FIG. ) May be used for direct data communication. The POS management server 20 can be operated by various businesses through cooperation with the financial VAN server 40 or the bank server 50. As a result, it is possible to act as a proxy for settlement settlement of the adjacent commerce business by enlarging the partnership.

Then, the convenience store automation device 30 is installed in the convenience store and is operated 24 hours a day, 365 days a year. At least, it is a financial device that performs financial transactions including deposit, withdrawal and account transfer. As shown in FIG. 2, Or may be managed by a designated bank server 50, as in FIG.

For example, the convenience store automation apparatus 30 may include a media entry / exit unit, a media storage unit, a recognition unit, and a control unit. Here, the medium input / output unit is a medium input / output module for depositing or withdrawing the medium. The medium storage unit is a medium storage module for storing the medium. The recognition unit is a module (for example, a barcode recognition module) that recognizes the settlement result information in a code form. In addition, the control unit may control at least one of the media input / output unit, the media storage unit, and the recognition unit, and may perform at least one financial transaction between deposit, withdrawal and account transfer, And the like. In addition, the convenience store automation apparatus 30 may further include a configuration of the financial apparatus 100 such as the customer information obtaining unit, the user interface, and the discriminating module to perform financial transactions.

Next, the performance of the settlement processing through the control unit of the convenience store automation apparatus 30 will be described in detail.

First, when the settlement result information of the code form is recognized, the control unit of the convenience store automation apparatus 30 requests the specified POS management server 20 for settlement user information (that is, the settlement deposit account information) based on the settlement result information, It is possible to receive the corresponding set deposit deposit account information from the POS management server 20. [

Here, the settlement result information is settlement result information that is output in the form of a barcode or a QR code based on the settlement determined according to the settlement request for the revenues from the POS terminal in each store. For example, the recognition unit of the convenience store automation device 30 may be provided as a settlement result information that is printed by a POS terminal with a bar code or a specification sheet including a QR code, or a bar code or a bar chart including a QR code It is possible to recognize the corresponding bar code or QR code.

5 (a), the convenience store automation apparatus 30 can request the settlement user information to the POS management server 20 through the financial VAN server 40 and receive the settlement deposit account information. Alternatively, as shown in FIG. 5 (b), the user can request settlement user information from the POS management server 20 through the designated bank server 50 and receive the account settlement account information.

To this end, the convenience store automation device 30 may further include a communication unit (not shown) communicating with the POS management server 20 or the bank deposit deposit bank server 50 through the financial VAN server 40.

As shown in Fig. 6, the account settlement account information includes, for example, user information (user specific number, data length of 5 bytes), store code (for example, data length of 4 bytes) 15 bytes in length), a deposit bank (for example, a data length of 3 bytes), and a deposit account number (for example, a data length of 16 bytes). In addition, error determination information (i.e., inquiry result information, data length 2 bytes) for the settlement result information may be further included. Accordingly, the convenience store automation device 30 can stop the settlement processing based on the error determination information on the settlement result information. This can enhance security.

Then, the control unit of the convenience store automation apparatus 30 transmits the set deposit deposit information deposited to the designated settlement depositing bank server 50 and the POS management server 20 when at least a part of the deposit is deposited based on the deposit deposit deposit account information , And receives settlement deposit completion information on the settlement deposit information from the settlement deposit bank server (50).

7 (a), the convenience store automation apparatus 30 transmits the deposit deposit information for the deposit approval request to the bank server 50 via the financial VAN server 40, It is possible to receive the settlement payment completion information for confirming the payment approval from the bank server 50. [ Further, it is possible to transmit the deposit deposit information to the POS management server 20 through the financial VAN server 40 and receive the confirmation information therefrom. Alternatively, as shown in FIG. 7 (b), the convenience store automation device 30 can directly transmit the set deposit deposit information to the designated bank server 50 and receive the settlement deposit completion information. Further, it is possible to transmit the settlement deposit information to the POS management server 20 through the bank server 50 and receive the confirmation information therefrom.

8, for example, the settlement deposit information includes user information (e.g., a user's unique number, a data length of 5 bytes), a store code (e.g., a data length of 4 bytes), a scheduled amount of money, The data length is 15 bytes), the change amount includes the monthly amount (for example, the data length is 15 bytes), the settlement deposit bank (for example, the data length is 3 bytes) and the deposit account number (for example, the data length is 16 bytes).

For example, a fee generated between the financial VAN server 40 and the POS management server 20 during the settlement processing, a fee generated between the financial VAN server and the bank server 50 or a fee generated between the bank server 50 and the POS management server 20, You can also set aside the commission that is incurred between the parties, or each provider may reduce fees or discounts through partnership.

Here, the POS terminal 10 can confirm the settlement amount based on the monthly amount of the receipt and the change when the settlement is confirmed. As a result, change amounts (for example, money of less than one hundred won) that can not be paid through the convenience store automation device can be carried over and processed for convenience of customers.

In addition, the POS management server 20 may share the settled deposit information with the financial VAN server 40 and utilize the deposited money deposit information for managing the convenience of each convenience store automation device 30. [

Then, the control unit of the convenience store automation device 30 can complete the settlement processing based on the received settlement deposit completion information. For example, as shown in FIG. 9, a settlement transaction specification sheet based on the received settlement payment completion information can be output upon completion of settlement processing. The settlement transaction specification sheet may include transaction results, transaction names, transaction times, serial numbers, transaction amounts and settlement details. The settlement detail information may include a user's unique number, a store code, a scheduled amount, an input amount, and an unpaid amount.

To this end, the convenience store automation apparatus 30 may further include an output unit (for example, a printing unit) for outputting the settlement transaction specification sheet based on the received settlement deposit completion information.

Then, the financial VAN server 40 is a computer server of a financial VAN provider based on a Value Added Network (VAN), which comprises at least one convenience store automation device 30, a POS management server 20 and at least one bank The server 50 can transmit and receive data for settlement processing, and can manage cash dispenser of each convenience store automation device. Financial VAN operators that manage convenience store automation devices can increase profit by using the store owner of a nearby store that is affiliated with a convenience store as a customer, and can also reduce the inconvenience of replenishment by utilizing the settlement money deposited in settlement processing.

2, the bank server 50 may be connected to the convenience store automation device 30 through the financial VAN server 40 to perform a settlement process for an account amount, 3, it is directly connected to the convenience store automation device 30 to perform the settlement processing on the account receivable. At this time, the bank server 50 directly connected to the convenience store automation device 30 can manage the cash flow of each of the connected convenience store automation devices 30. If the bank server 50 is not a bank deposit account bank server And may act as an intermediary with the corresponding other bank server.

Accordingly, the manager of each store can conveniently perform the settlement management using the POS terminal 10 and the convenience store automation device 30, and can deposit and settle the settlement payment even in the bank non-business day, .

Next, the automatic settlement service method using the convenience store automation apparatus according to the present invention will be described with reference to FIG. 10 is a flowchart illustrating an automatic settlement service method according to an embodiment of the present invention. 10 is based on the automatic settlement service system of FIG.

10, in the automatic settlement service method according to the present invention, the POS terminal 10 accesses the POS management server 20 and determines a settlement amount in response to a settlement request for an account receipt (S11). Then, the POS terminal 10 outputs the settlement result information based on the confirmed settlement in the set code form (S12). Then, when the user recognizes the settlement result information in code form through the nearby convenience store automation device 30, the settlement user information based on the settlement result information (that is, Payment deposit account information) (S13). Then, the convenience store automation apparatus 30 receives the corresponding set deposit deposit account information from the POS management server 20 via the financial VAN server 40 (S14). Then, when the user deposits at least a part of the settlement amount on the basis of the account settlement account information via the convenience store automation device 30, the convenience store automation device 30 transmits the settlement deposit banking server 50 designated through the financial VAN server 40, (S15). ≪ / RTI > At the same time, the convenience store automation device 30 can transmit the settlement deposit information to the POS management server 20 through the financial VAN server 40. [ Then, the convenience store automation device 30 receives settlement deposit completion information on the settlement deposit information from the settlement deposit bank server 50 through the financial VAN server 40 (S16). Then, the convenience store automation apparatus 30 outputs the settlement transaction specification sheet based on the received settlement deposit completion information and ends the settlement processing (S17).

Alternatively, the automatic settlement service method according to the present invention may be performed as shown in FIG. 11 is a flowchart illustrating an automatic settlement service method according to another embodiment of the present invention. 11 is based on the automatic settlement service system of Fig.

As shown in FIG. 11, in the automatic settlement service method according to the present invention, the POS terminal 10 accesses the POS management server 20 and determines a settlement amount in response to a settlement request for an account receipt (S21). Then, the POS terminal 10 outputs settlement result information based on the confirmed settlement in a set code form (S22). Then, when the convenience store automation device 30 recognizes the settlement result information in a code form, the settlement user information based on the settlement result information (that is, the settlement account information) is transmitted to the POS management server 20 via the designated settlement deposit bank server 50 Information) (S23). Then, the convenience store automation apparatus 30 receives the account settlement account information from the POS management server 20 through the deposit deposit bank server 50 (S24). Subsequently, when the convenience store automation device 30 receives at least a portion of the settlement based on the account settlement account information, it transmits the settlement deposit information deposited in the settlement deposit bank server 50 (S25). At this time, the account settlement bank server 50 transmits the settlement deposit information to the POS management server 20. Then, the convenience store automation apparatus 30 receives the settlement payment completion information for the settlement deposit information from the settlement deposit bank server 50 (S26). Then, the convenience store automation apparatus 30 outputs the settlement transaction specification sheet based on the received settlement deposit completion information and ends the settlement processing (S27).

According to the present invention, settlement of accounts receivable can be performed through a convenience store automation device, so it is possible to improve the convenience of business administration and expect an increase in profit due to increase in deposit transactions. In addition, since the convenience store automation device can be utilized for the withdrawal transaction using the cash deposited at the time of settlement processing, it is possible to minimize the inconvenience of replenishment of the convenience store automation equipment, which is mostly withdrawal transaction.

In the present embodiment, the automatic settlement service system and the automatic settlement service method are described. However, the present invention is not limited to the automatic settlement service system and the automatic settlement service method, A code output system and method, or a convenience store automation device capable of automatic settlement processing.

For example, the settlement code output system according to an embodiment of the present invention is connected to the POS management server 20 and the POS management server, which are connected to each POS terminal and manage the settlement and settlement of accounts for each store, And a POS terminal 10 for outputting the settlement result information including the user information, the store code, and the amount to be settled based on the determined settlement amount in the set code form in accordance with the settlement request.

According to another aspect of the present invention, there is provided a convenience store automation apparatus including a media input / output unit for depositing or withdrawing a medium, a medium storage unit for storing the medium, and a storage unit for storing the user information, A store code, and a settlement amount; and a control unit that controls at least a media input / output unit, a media storage unit, and a recognition unit to perform a financial transaction including at least a deposit, a withdrawal and a money transfer When the settlement result information of the code form is recognized, the settlement deposit account information based on the settlement result information is requested to the POS management server, and the corresponding settlement deposit account information is received from the POS management server. When a portion of the payment is received, the settlement deposit information deposited to the designated bank deposit server and the POS management server And a control unit for receiving settlement deposit completion information on the settlement deposit information from the deposit deposit bank server and performing settlement processing. Further, the above-described configuration of the financial instrument can be suitably included according to the execution environment.

For example, as shown in FIG. 12, an account settlement process by the convenience store automation device can be performed. FIG. 12 illustrates a case where the configuration of the automatic settlement service system shown in FIG. 2 is applied, and the settlement result information is output in a barcode form.

First, the settlement information (i.e., settlement result information) is recognized (S31) through a code (for example, a bar code) set by the recognition section of the convenience store automation device for settlement processing of the settlement determined for the proceeds. The settlement result information includes the user information, the store code, and the amount to be settled. Then, the control unit of the convenience store automation apparatus requests the settlement user information (that is, the account settlement account information) to the POS management server 20 through the financial VAN server 40 based on the recognized settlement information and receives the settlement deposit account information (S32). Then, the control unit determines whether there is an error in the settlement information recognized through the bar code using the error determination information included in the account settlement deposit account information (S33). If there is an error, the control unit cancels the transaction and restarts the settlement processing (S35). If there is no error, the control unit controls the media input / output unit to deposit the payment amount from the store manager (S34). At this time, the control unit can induce the manager to confirm the settlement amount and perform the settlement processing operation using the user interface or the like. Subsequently, the control section transmits the deposit deposit information to the deposit deposit bank server 50 and the POS management server 20, and receives the deposit payment deposit completion information from the deposit deposit bank server 50 (S36). At this time, the control unit stores the deposited payment amount in the medium storage unit. Then, the control unit outputs the settlement transaction specification sheet through the output means (S37), and terminates the settlement processing (S38). As a result, it can increase the utilization of the convenience store automation equipment and reduce the inconvenience of replenishment.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. That is, within the scope of the present invention, all of the components may be selectively coupled to one or more of them. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. The codes and code segments constituting the computer program may be easily deduced by those skilled in the art. Such a computer program can be stored in a computer-readable storage medium, readable and executed by a computer, thereby realizing an embodiment of the present invention. As the storage medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, or the like may be included.

Also, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless specifically stated to the contrary, But should be interpreted to include additional components. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

10: POS terminal 20: POS management server
30: Convenience store automation device 40: Financial VAN server
50: Bank server

Claims (13)

A media input / output unit for depositing or withdrawing a medium;
A media storage for storing the medium;
A recognition unit for recognizing settlement result information in the form of a code including user information, a store code, and an amount to be settled for settlement of the settlement determined for the account; And
Wherein the control unit controls the media input / output unit, the media storage unit, and the recognizing unit to perform at least one financial transaction among at least one of deposit, withdrawal, and account transfer. When the settlement result information of the code type is recognized, And receives settlement deposit account information from the POS management server. When at least a part of the settlement deposit is deposited based on the settlement deposit deposit account information, the settlement deposit account information is transmitted to the specified settlement deposit deposit bank server And a control unit which transmits the deposit information and receives settlement deposit completion information on the settlement deposit information from the settlement deposit bank server and performs settlement processing. The method according to claim 1,
And a communication unit for communicating with the POS management server or the bank deposit Vending bank server through a financial VAN server. The method according to claim 1 or 2,
And an output unit for outputting a settlement transaction specification sheet based on the received settlement deposit completion information. The method according to claim 1 or 2,
Wherein the control unit further transmits the deposit deposit information to the POS management server when transmitting the deposit deposit information. The method according to claim 1 or 2,
Wherein the settlement result information is settlement result information that is output in the form of a bar code or a QR code based on the settlement determined according to a settlement request for an account receipt through the POS management server in each store. The method of claim 5,
The recognition unit may receive the settlement result information from the POS terminal by printing the bar code or the QR code, or the bar code or QR code from the bar code or the QR code on the display unit of the designated user terminal, A financial instrument that recognizes the code. The method of claim 5,
Wherein the account settlement account information includes user information, a store code, an amount to be settled, a deposit bank, and a deposit account number. The method of claim 7,
Wherein the settlement deposit account information further includes error determination information on the settlement result information. The method of claim 5,
The settlement deposit information includes user information, a store code, an amount to be settled, an input amount, a monthly amount, a settlement deposit bank, and a deposit account number. The method of claim 9,
Wherein the settlement amount is determined by the POS terminal based on the monthly amount of the account amount and the change amount. A POS terminal connected to the POS management server for confirming the settlement in accordance with the settlement request for the revenues and outputting the settlement result information based on the determined settlement in the set code form; And
Wherein the settlement information includes at least a deposit, a withdrawal, and a money transfer, and when settlement result information of the code type is recognized, the settlement deposit account information based on the settlement result information is requested from the POS management server And transmits the set deposit deposit information deposited to the specified settlement deposit bank server and the POS management server when at least a part of the settlement deposit is deposited based on the settlement deposit deposit account information, And a financial instrument that receives the settlement deposit completion information on the deposit deposit information from the financial institution. The method of claim 11,
And a financial VAN server capable of transmitting and receiving data for settlement processing between at least one financial instrument, the POS management server, and at least one bank server, and managing a cash transaction of each financial instrument. A POS management server connected to each POS terminal and managing settlement and settlement of accounts for each store; And
A POS terminal connected to the POS management server for confirming the settlement in accordance with the settlement request for the account receivable and outputting the settlement result information including the user information, the store code and the scheduled settlement amount based on the determined settlement amount, The settlement code output system comprising:

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