KR20170040787A - Method for Providing Payment Service of Bills - Google Patents

Abstract

The present invention relates to a method to provide a bill payment service. The method, executed through a server interconnected with an automation machine with a card reader, includes: a step of confirming financial card information read out from a financial card of a customer through the card reader of the automation machine; a step of confirming customer information linked with the financial card information before processing a transaction using the financial card information; a step of confirming information about at least one bill to the customer, who is matched with the customer information, through interconnection with a bill management server; a step of confirming payment information to process the payment of the confirmed bill information if the bill information to the customer is confirmed; and a step of processing a transaction, matched with the payment information, by using the financial card information. As such, the present invention is capable of enabling the customer to conveniently check the bill information for payment.

Description

METHOD FOR PROVIDING PAYMENT SERVICE [0001]

The present invention provides a method executed by a server interlocked with an automation apparatus having a card reader, the method comprising: confirming financial card information read from a customer's financial card through a card reader of the automatic apparatus, Checking the customer information associated with the financial card information before processing the used transaction, checking one or more notice information requested to the customer corresponding to the customer information in cooperation with the bill management server, The method comprising the steps of: confirming payment information for processing settlement of the confirmed disclaimer information and processing a transaction corresponding to the settlement information using the financial card information.

Due to the development of information and communication technology, it is conventionally possible to provide a financial transaction service provided by a financial institution by merely providing an automation device in which a customer withdraws part (or all) of the balance (or the amount of withdrawable amount) deposited in the financial account of the financial institution It was possible to replace some.

In addition, the development of automation equipment has provided financial transaction services such as cash deposits and various transfers beyond the conventional simple cash withdrawal function, thereby making it possible for customers to use various financial services more conveniently .

In addition, the development of the modern society is based on various bills (for example, various taxes such as automobile tax, property tax, resident tax, various kinds of penalties for violation of traffic regulations, And various kinds of communication expenses to be generated).

However, these bills are easily overtaken if customers do not collect them individually. In particular, there are inconveniences to visit and pay financial institutions by collecting bills individually to pay bills.

A first aspect of the present invention is a method executed by a server interlocked with an automatic apparatus having a card reader, the method comprising: a first step of checking financial card information read from a customer's financial card through a card reader of the automatic apparatus; A second step of confirming customer information associated with the financial card information before processing a transaction using the financial card information, and checking at least one notification information requested to a customer corresponding to the customer information in cooperation with the bill management server And a third step of confirming settlement information for processing settlement of the confirmed notice information when the notice information requested to the customer is confirmed, and a process of processing a transaction corresponding to the settlement information using the financial card information And a fourth step of performing the payment process.

A method for providing a bill payment service according to the present invention is a method executed through a server interlocked with an automation device having a card reader, the method comprising the steps of: confirming financial card information read from a customer's financial card through a card reader of the automation device And the customer information associated with the financial card information before processing the transaction using the financial card information, and interworking with the billing management server to transmit one or more notice information requested to the customer corresponding to the customer information A third step of confirming settlement information for processing settlement of the confirmed notice information when confirming the notice information requested to the customer, a third step of confirming settlement information for processing settlement of the confirmed notice information, And a fourth step of performing a process of processing the data.

In the method of providing a bill payment service according to the present invention, the first step may include checking whether the operation mode of the automatic machine is a payment mode for automatically checking and paying customer's notice information through a customer's financial card And the second step is a step of checking customer information associated with the financial card information without processing a transaction using the financial card information when the operation mode of the automatic machine is the payment mode, And confirming the above announcement information.

The method of providing billing service according to the present invention may further include the steps of providing the confirmed notice information to the automated device when the notice information requested to the customer is confirmed and outputting the notification information, And receiving payment information for processing settlement of the notice information selected by the payment information receiving step.

In the method for providing bill payment service according to the present invention, the third step includes confirming payment information for collectively processing settlement of a plurality of confirmed notice information when a plurality of notice information requested to the customer is confirmed And a control unit.

A method of providing a bill payment service according to the present invention is a method executed by an automatic apparatus having a card reader, wherein the operation mode of the automatic apparatus automatically confirms the notice information of the customer through the payment card of the customer, A first step of reading out the payment card information corresponding to the customer's payment card inserted into the card reader in a mode mode of paying the payment amount of the notice information using the payment card as it is, A process of confirming the customer information linked with the payment card information and a process of linking with the billing management server a procedure for confirming one or more billing information requested to the customer corresponding to the customer information so as to be collectively performed 2, and the payment card information in the state in which the payment card information is maintained A third step of outputting at least one notification information, and a third step of outputting at least one notice information selected by the user from among the payment information for collectively processing the payment of the one or more pieces of notification information, A fourth step of confirming and outputting payment information collectively processing settlement of information, and a fifth step of performing a settlement of payment for the confirmed settlement information using the held settlement card information .

An automated apparatus provided with a card reader installed in / operated at a branch office or branch office or a public place of a financial institution according to the present invention and reading card information from at least one of a credit card, a check card, a debit card or a cash card, An information reading unit for reading out financial means information including card information corresponding to a card inserted into the card reader; and a control unit for checking customer information based on the read financial means information in connection with a server of the financial institution, A notice information checking unit for checking one or more notice information based on the confirmed customer information in association with the management server and a notice information output interface for processing to output a notice information output interface including the confirmed one or more notice information And a providing unit.

A card reader installed in / operated at a branch office or branch office or a public place of a financial institution according to the present invention and reading card information from a credit card, a check card, a debit card, or a cash card, and a passbook provided to the customer A method for providing a billing inquiry / payment service using an automation apparatus having at least one of passbook reader for reading passbook information is a method for providing card information corresponding to a card inserted into the card reader in an automation device or an account book inputted into a passbook reader Reading the financial means information including the corresponding passbook information, checking the customer information based on the read out financial means information in connection with the server of the financial institution in the automatic machine, and in connection with the bill management server Identifying one or more disclaimer information based on the identified customer information, And outputting a notice information output interface including the identified one or more notice information in an automation device.

According to the present invention, there is an advantage that a card or a passbook for identifying a customer can be inserted into an automatable device which is easily available to a customer, so that it is possible to conveniently check / inquire the notice information to be paid by the customer.

FIG. 1 is a diagram illustrating a functional configuration of a financial terminal 100 for paying / outputting a notice detail using a card or account information according to an embodiment of the present invention.
FIG. 2 is a block diagram of a bill management / operation system providing a bill payment / payment service using a card or account information according to an embodiment of the present invention.
3 is a diagram illustrating an operation procedure of the financial terminal 100 for paying / outputting a notice detail using a card or account information according to an embodiment of the present invention.
4 is a flowchart illustrating an operation procedure of the financial terminal 100 for paying / outputting a notice detail using a card or account information according to an embodiment of the present invention.
5 is a diagram illustrating an operation procedure of the financial terminal 100 for paying / outputting a notice detail using a card or account information according to an embodiment of the present invention.

An automated apparatus provided with a card reader installed in / operated at a branch office or branch office or a public place of a financial institution according to the present invention and reading card information from at least one of a credit card, a check card, a debit card or a cash card, An information reading unit for reading out financial means information including card information corresponding to a card inserted into the card reader; and a control unit for checking customer information based on the read financial means information in connection with a server of the financial institution, A notice information checking unit for checking one or more notice information based on the confirmed customer information in association with the management server and a notice information output interface for processing to output a notice information output interface including the confirmed one or more notice information And a providing unit.

On the other hand, an automation apparatus provided with a passbook reader for reading passbook information from a passbook provided to a customer, installed / operated in a branch office or branch office or a public place of a financial institution according to the present invention, An information reading unit for reading out financial means information including corresponding bankbook information; and a control unit for checking customer information based on the read out financial means information in connection with a server of the financial institution, And a notice information output interface providing unit for processing the notice information output interface including the confirmed one or more notice information to output the confirmed information. .

The automated apparatus provided with the bills inquiry / payment function according to the present invention is characterized in that when a payment is requested for a part or all of one or more pieces of notification information output through the notification information output interface, ), A payment information confirming unit for confirming payment information for the payment information, and a payment interface including the confirmed payment information, and when the payment request is inputted (or selected) through the outputting payment interface, And a settlement processor for setting the financial means information as settlement means information and providing a settlement service for the confirmed settlement information.

The automated apparatus provided with the bills inquiry / payment function according to the present invention is characterized in that when a payment is requested for a part or all of one or more pieces of notification information output through the notification information output interface, ), A payment information confirming unit for confirming the payment information for the settlement information, and a settlement interface including the confirmed settlement information is outputted, and the settlement request is inputted (or selected) And a settlement processor for providing the settlement service for the confirmed settlement information using the leading settlement means information when the card (or passbook) to be inserted is inserted and the settlement means information is read.

Meanwhile, a card reader installed in / operated at a branch office, branch office or public place of a financial institution according to the present invention and reading card information from a credit card, a check card, a debit card or a cash card, A method for providing a billsheet inquiry / payment service using an automation device having at least one of bankbook readers for reading passbook information from a bankbook, the method comprising: receiving card information corresponding to a card inserted into the card reader from an automation device, Reading financial means information including passbook information corresponding to a passbook, checking the customer information based on the read financial means information in connection with a server of the financial institution in an automatic machine, And the information on the one or more notices based on the confirmed customer information And outputting a notification information output interface including at least one notification information that has been confirmed by the automated device.

The billing inquiry / payment service providing method according to the present invention is a billing method for billing a part (or all) of one or more pieces of notification information output through the notification information output interface, (Or selecting) a settlement request through the outputting of the settlement interface; and if the settlement request is input (or selected) through the outputting of the settlement interface, And providing the settlement service for the confirmed settlement information by setting the financial means information as the settlement means information.

The billing inquiry / payment service providing method according to the present invention is a billing method for billing a part (or all) of one or more pieces of notification information output through the notification information output interface, (Or all) of the settlement request; confirming the settlement information for the settlement request; checking whether the settlement request including the confirmed settlement information is output; (Or a passbook) is inserted and the payment means information is read, the automatic payment apparatus provides the payment service for the confirmed payment information by using the read payment means information in the automated apparatus.

On the other hand, the computer-readable recording medium includes a program recorded thereon for executing the above-mentioned method for providing bills inquiry / payment service.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. 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. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments properly modify the terms so that those skilled in the art can clearly understand the present invention, It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram showing a functional configuration of a financial terminal 100 for paying / outputting a notice detail using a card or account information according to an embodiment of the present invention.

More specifically, FIG. 1 illustrates an unattended banking system (ATM) such as a cash dispenser (CD) and / or an automatic teller machine (ATM) provided in a financial institution (for example, a commercial bank branch) The terminal 100 displays a function configuration for paying / outputting the notice details using the card or the account information according to the present invention. As a person having ordinary skill in the art to which the present invention pertains, It should be understood that the present invention is not limited to the above embodiments and various changes and modifications may be made without departing from the spirit and scope of the present invention as defined by the appended claims and their equivalents. And is not limited by the method of operation shown in FIG.

Referring to FIG. 1, the financial terminal 100 includes a card reader 105 for recognizing an MS card and / or an IC card and acquiring predetermined information, a bankbook 105 for recognizing the magnetic field of the bankbook, A screen output unit 115 for paying / outputting a process screen and a notice item to each financial transaction step provided through the financial terminal 100; A communication unit 180 communicating with a financial institution server through a predetermined financial network or communicating with the notification information management server 200, a key input unit 120 receiving the predetermined information according to the predetermined information, A memory unit 175 for storing at least one notification detail payment / output information for payment / output of the notice details and financial transaction details of the notification notification payment, The cash payment unit 190 that is paid out, A power supply unit 125 for supplying power to the financial terminal 100 and at least one terminal function unit 185 and a control unit 130 for controlling each functional unit included in the financial terminal 100.

The controller 130 controls the overall operation of the financial terminal 100, manages the flow of information or data between the respective elements, and performs a financial transaction based on the card or account information according to the present invention. At least one processor that controls at least one component included in the financial terminal 100 and includes at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) and an execution memory (e.g., a register) (Or integrated circuit) for inputting and outputting predetermined data and a predetermined record provided in the financial terminal 100 for performing a software specific function, (Loading) from the medium to the execution memory and a predetermined program routine (Routine) and / or program Including the emitter.

In particular, the control unit 130 includes an operating system (OS) and / or a terminal control program routine for managing the financial terminal 100 after the financial terminal 100 is booted by software, 1 illustrates at least one program component included in the financial terminal 100 for financial transaction based on the card or account information according to the present invention in the control unit 130 for convenience.

The card reader unit 105 provides an interface between the card and the financial terminal 100 to read at least one piece of information or data provided on the card for at least one financial transaction, An MS reader unit for interfacing a MS (Magnetic Stripe) card based on the financial terminal 100 with the financial terminal 100, and / or a contact IC based on the ISO / IEC 7816 standard for issuing / outputting a notice based on the card or account information And a contactless IC reader unit for interfacing the IC card with the financial terminal 100 and / or a noncontact IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 100, The contact type IC reader unit and / or the non-contact type IC reader unit corresponds to the IC card reader included in the financial terminal 100.

The MS reader unit is a card reader unit 105 based on ISO / IEC 7810. The MS reader unit includes at least one magnetic head including a predetermined coil, and predetermined information (e.g., magnetized binary information) When the recorded MS card comes in close contact with the magnetic head and moves in a predetermined direction (or when the magnetic head moves closely with the MS card on which predetermined information is recorded), a predetermined electrical signal is loaded on the magnetic head And interfaces predetermined information or data from the at least one track (Track) included in the MS of the MS card to the financial terminal 100.

The contact type IC reader unit is a card reader unit 105 based on ISO / IEC 7816. The contact type IC reader unit includes at least one contact point which is in electrical contact with a COB (Chip On Board) , Supplies power to the IC chip of the IC card through the contact point, and transmits predetermined information or data from the IC chip to the financial terminal (for example, the IC chip) through the half-duplex transaction using an APDU (Application Protocol Data Unit) 100).

The noncontact IC reader unit is a card reader unit 105 based on ISO / IEC 14443, and uses at least one noncontact IC card as a non-contact type contactless IC card using capacitive coupling and / or inductive coupling And supplies predetermined information or data from the IC chip to the financial terminal 100 (100) through the half-duplex transaction using the APDU, ).

The passbook reader unit 110 provides an interface between the passbook and the financial terminal 100 to read at least one information or data provided in the passbook for at least one financial transaction.

The screen output unit 115 is predefined to be output from the financial terminal 100 to a predetermined screen output unit including a liquid crystal display (LCD) and / or a CRT (Cathode Ray Tube) by the control unit 130 Or financial data of the financial terminal 100, which is input through the key input unit 120, to the information or data defined in advance so that the financial terminal 100 outputs the at least one information or data, Information transmitted and received through the communication unit 180, and data corresponding to a predetermined calculation result performed by the financial terminal 100. [0033]

According to the embodiment of the present invention, the screen output unit 115 outputs a processing screen and / or an interface screen according to each financial transaction step using the card or account information according to the present invention to a predetermined screen output device.

The key input unit 120 may include at least one key button having at least one numeric key and / or a character key and / or a function key. (Or signal) input from the key input device of the financial terminal 100 and controls the operation of the financial terminal 100 in the specific input mode and / or operation mode controlled by the control unit 130, Generates a key event corresponding to the input information (or signal), and provides the generated key event to the control unit 130. When the predetermined information (or signal) is inputted from the key button, the control unit 130 ) Acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal 100, and / or acquires predetermined key data corresponding to the key event, Obtaining control and, by the key input unit 120 and at least one comprises at least one key button on the key input device interworking performs the function of a key input unit provided in the financial terminal 100.

According to an embodiment of the present invention, the key input device coupled to the key input unit 120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (e.g., And / or at least one numeric key and a function key in cooperation with the screen output means, and / or at least one numeric key and / or at least one numeric key And a touch screen device having a character key and a function key.

According to the embodiment of the present invention, the key input unit 120 receives at least one information according to the financial transaction step using the card or account information according to the present invention from a predetermined key input device.

The communication unit 180 provides a communication function for performing a transaction function (for example, a transaction function linked to the financial terminal 100 and an external system of each financial system) provided in the financial terminal 100, A network communication unit for providing transaction communication with a financial institution server or a notified information management server 200 provided on a financial system through a financial network (e.g., a banking network or a CD / ATM network), and / A cable communication unit and / or an infrared ray communication, a radio frequency (RF) communication, a Bluetooth (BlueTooth) communication, and the like, which provide transactional communication with an external communication device through a port (e.g., RS-232c, A local communication unit for providing transaction communication with the local communication device through at least one local area wireless communication including a wireless local area network (LAN), a wifi (Wi-Fi) And includes communication protocols and communication applications for providing transactional communication in software.

According to the embodiment of the present invention, the communication unit 180 communicates with the financial institution server or the notification information management server 200 on the financial system via a predetermined financial network through the network communication unit, Lt; RTI ID = 0.0 > a < / RTI >

The memory unit 175 is a storage medium for storing at least one piece of information or data required for the control unit 130 to perform a predetermined control function. The memory unit 175 may be an EEPROM (Electrically Erasable and Programmable Read Only Memory), an FM A flash memory, and a hard disk drive (HDD). The control unit 130 may be provided with a predetermined program routine and a program, which are required for the control unit 130 to perform a predetermined control function, Data (e.g., data in which a program routine is input or output to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 175 stores at least one notification item payment / output information used by the financial terminal 100 for processing a financial transaction using the card or account information according to the present invention And / or stores financial transaction details corresponding to the financial transaction, after payment of the notice details / payment using the card or account information.

The cash dispenser 190 receives a financial transaction result corresponding to a card read through the card reader 105 from a predetermined financial system through the communication unit 180, (Or the cash payment approval result), the cash corresponding to the cash payment order (or the cash payment approval result) (or the cash requested by the financial transaction customer for the withdrawal request) Reads out from the storage unit 195, and dispenses it to the customer through a predetermined cash dispenser 199.

The terminal function unit 185 is a component included in the financial terminal 100 and / or a component included in the financial terminal 100 for a predetermined purpose or role, in addition to the components shown in FIG. 1, Typically, various supplementary functions according to the intention of a person skilled in the art such as a security application module (SAM) for financial transaction support and / or a print output unit for printing and outputting a receipt and / or a biometric recognition device for biometric .

Those skilled in the art will readily understand each terminal function unit 185 provided in accordance with the characteristics of the financial terminal 100, and a detailed description thereof will be omitted.

1, the operation mode of the financial terminal 100 is a mode check unit (not shown) for confirming whether the operation mode of the financial terminal 100 is an operation mode for processing a notice payment / output based on a card or account information A validity authentication unit 140 for authenticating the validity of the financial means provided in the IC card by using the PIN via the card reader unit 105; Reads the financial means information including the card information from the IC card or reads the financial means information including the passbook information provided in the passbook through the passbook reader 110 145).

Here, for convenience of description, the IC card will be described as a reference for convenience, but the present invention is not limited thereto, and it is possible to include all the IC card passbooks and the like other than the IC card.

The financial terminal 100 includes a plurality of operation modes such as a financial transaction mode for processing a financial transaction using a card or account information according to the present invention or a cash withdrawal mode using a cash card (or debit card) The mode check unit 135 checks whether the operation mode of the financial terminal 100 is a notice information payment / output mode for processing the notice payment / output using the card or account information according to the present invention.

According to an embodiment of the present invention, the financial terminal 100 selects a notice information payment / output mode using a card or account information according to the present invention among a plurality of operation modes in the basic screen, And is switched to a notice information payment / output mode for processing used notice information inquiry / output.

According to another embodiment of the present invention, after the IC card reader inserts a predetermined IC card into the IC card reader, the financial terminal 100 displays the notification information using the card or the account information according to the present invention among a plurality of operation modes / Output, the mode is switched to a notice information inquiry / output mode for processing the notice information inquiry / output using the card or the account information.

When the predetermined IC card is inserted into the IC card reader corresponding to the contact type IC reader unit and / or the non-contact IC reader unit of the card reader unit 105, the validity authentication unit 140 reads the key information from the key input unit 120 Performs a validity authentication procedure to secure confidentiality, authentication, integrity, and non-repudiation of the IC card (and / or the financial means provided in the IC card) based on the input PIN And if the validity of the IC card (and / or the financial means provided in the IC card) is authenticated by the validity authentication unit 140, a predetermined financial transaction procedure using the card or account information according to the present invention Is normally performed.

According to an embodiment of the present invention, the validity authentication unit 140 may be configured to perform validity authentication for the IC card (and / or the financial means provided in the IC card) after a predetermined IC card is inserted into the IC card reader Perform the procedure.

According to an embodiment of the present invention, the validity authentication unit 140 may determine whether the operation mode of the financial terminal 100 is switched to the financial transaction mode after a predetermined IC card is inserted into the IC card reader, When a predetermined IC card is inserted into the IC card reader after the operation mode of the financial terminal 100 is switched to the financial transaction mode, the validity of the IC card (and / or the financial means provided in the IC card) Perform the authentication procedure.

When the validity of the IC card (and / or the financial means provided in the IC card) is authenticated by the validity authentication unit 140, the information reading unit 145 reads the financial means information provided in the IC card do.

Referring to FIG. 1, when the financial means information including card information corresponding to the inserted card or passbook information corresponding to a passbook is read, the financial terminal 100 transmits the read financial means A notice information check unit 155 for checking one or more pieces of notice information based on the confirmed customer information in cooperation with the notice information management server 200, a customer information check unit 150 for checking customer information based on the customer information, And an interface providing unit 160 for processing a notice information output interface including the confirmed at least one notification information.

When the financial means information including the card information corresponding to the inserted card or the passbook information corresponding to the passbook is read out, the customer information checking unit 150 checks the customer information on the basis of the read financial means information, And the notification information confirmation unit 155 confirms one or more notification information based on the confirmed customer information.

According to the embodiment of the present invention, when the read financial means information is card information, the customer information check corresponding to the financial means information is performed by checking the card ledger in which the card information is stored in association with the financial institution server, And confirms the customer information corresponding to the read financial means information by checking the customer ledger connected to the card ledger.

According to the method of the present invention, the customer information check corresponding to the financial means information is performed by checking the account ledger in which the passbook information is stored in association with the financial institution server when the read financial means information is passbook information, And confirms the customer information corresponding to the read financial means information by checking the customer ledger connected to the confirmed account information.

According to the method of the present invention, the customer information corresponding to the financial means information is confirmed, and the confirmation of one or more notices based on the confirmed customer information is performed by managing the confirmed customer information on the bill on the communication network To the server (referred to as " notification information management server 200 " in the present invention) and receives the at least one notification information corresponding to the transmitted customer information from the notification information management server 200, Identify one or more notifications based on the information.

1, when the financial terminal 100 confirms one or more pieces of notification information based on the customer information through the notification information confirmation unit 155, the financial terminal 100 transmits notification information including the confirmed one or more pieces of notification information And an interface providing unit 160 for processing the output interface to be output.

According to an embodiment of the present invention, the notification information output interface includes a notification information output area for outputting the confirmed one or more notification information when one or more notification information is confirmed based on the confirmed customer information, A settlement information request area for requesting settlement of one or more pieces of disclaimer information output through the area, and payment object information selection information for selectively paying one or more disclaimer information output through the discard information output area Or selecting) a payment object selection area.

Referring to FIG. 1, when the taxpayer who confirmed one or more notice information output through the notification information output area included in the notification information output interface requests payment information for one or more notification information A payment information confirmation unit 165 for confirming payment information for the one or more pieces of notification information, an interface providing unit 160 for providing a payment interface including the confirmed payment information, And a settlement processing unit 170 that sets information as settlement means information and provides a settlement service for the confirmed settlement information.

If the taxpayer who confirmed one or more pieces of notification information output through the notification information output area included in the notification information output interface requests payment information for one or more pieces of notification information, the payment information verification unit 165 checks whether the output one Confirm the payment information for the disclaimer information above.

According to an embodiment of the present invention, the payment information confirmation for the one or more pieces of announcement information is transmitted to the payment server 260, and the payment server 260 transmits the confirmed customer information And provides the payment information to the financial terminal 100, thereby confirming the payment information of the output one or more pieces of disclaimer information.

According to another embodiment of the present invention, the payment information confirmation of the one or more pieces of notification information may include identification information of at least one notification information provided by the notification information management server 200 to the payment server 260 And transmits the identification information of the received at least one notification information to the payment server 260. The payment server 260 confirms at least one notification information corresponding to the identification information, And provides the payment information to the terminal 100, thereby confirming payment information for the one or more pieces of disclaimer information.

When requesting settlement of a part of the output one or more pieces of disclaimer information, the settlement server 260 further transmits the settlement object notification information other than the identification information to the settlement server 260, The notification information management server 200 generates identification information corresponding to the settlement notice information and transmits the identification information to the financial terminal 100. The financial terminal 100 transmits the identification information corresponding to the settlement notice server 200 to the payment server 200 260 or transmits the settlement object notification information to the notification information management server 200. The notification information management server 200 generates identification information corresponding to the settlement object notification information and transmits the identification information to the payment server 260 ), And the payment server 260 can transmit the data to the financial terminal 100.

When the payment information corresponding to the confirmed at least one notification information is confirmed through the payment server 260, the interface providing unit 160 displays a payment information output area for outputting the confirmed payment information, And a payment processing area for processing the payment for the payment.

According to an embodiment of the present invention, the payment interface receives payment information from the payment server 260 that provides the payment information (i.e., confirms payment information for the output notice information) A payment information output area for outputting information and a payment request area for requesting settlement of payment information output through the payment information output area.

The payment interface may further include a payment result output area for outputting a payment processing result for the payment information output through the payment information output area, or may be output through a separate interface.

When the taxpayer who has confirmed the payment information output through the payment interface requests the settlement of the payment information, the payment processing unit 170 uses the read financial means information in association with the financial institution server, And provides a payment service for the confirmed payment information.

Alternatively, when the payment processing unit 170 requests the payment service using the financial means other than the financial means corresponding to the read financial means information, the payment processing unit 170 reads the payment means information corresponding to the other financial means, And provides the payment service for the confirmed payment information by using the read payment means information.

According to the method of the present invention, the settlement processing for the settlement information includes providing the settlement service using the settlement means information and the settlement information (in other words, when the settlement means is a passbook, Withdrawing the amount corresponding to the information and transferring / depositing the money to the financial account corresponding to the payment information, or, when the payment means is a card, a settlement process using the settlement amount for the card).

FIG. 2 is a block diagram of a bill management / operation system providing a notice detail payment / output service using a card or account information according to an embodiment of the present invention.

2 illustrates card information corresponding to a card for a credit card, a check card, a debit card, or a cash card inserted into the financial terminal 100 from the financial terminal 100 shown in FIG. 1 Receiving banknote notification information request information including at least one of banknote information corresponding to a bankbook, and providing financial information corresponding to the received payment object notification information request information and / The system is configured to settle a notice amount to be settled through an institution. If the person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 2, Various methods of organizing a bill management / operating system providing a notice detail payment / output service (e.g., The present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only to the embodiments shown in FIG. 2 .

For example, in FIG. 2, each means constituting the bill book management / operation system is shown in the notification information management server 200 in the form of a component of the notification information management server 200, The present invention is not limited to the components of the server 200. The means may be implemented as separate servers according to the intention of those skilled in the art, or a combination of two or more means may be implemented as a server, The means may be implemented in the form of a component of the notification information management server 200, or some (or all) means may be provided on the financial terminal 100 shown in FIG. 1, It is clear that the present invention is not limited by the method.

According to the present invention, the bills managing / operating system, in conjunction with the financial terminal 100 shown in FIG. 1, receives payment target information request information including customer information provided by the financial terminal 100 A payment server 260 for receiving payment information for one or more notice information provided to the financial terminal 100, And a function of processing settlement of the settlement amount that has been deposited when the settlement amount corresponding to the settlement information has been deposited through the settlement server 260. In addition, And a notification information management server 200 that receives and processes one or more pieces of information.

Referring to FIG. 2, the notification information management server 200 receives information on taxpayer information (or identification information corresponding to taxpayer information), one or more notice information to be paid by the taxpayer, A notice information management D / B 245 for storing identification information, notice information identification information corresponding to at least one notice information, and billing information corresponding to the entire notice information identification information 240 ), Or operated by communication.

2, in order to provide a bill to one or more taxpayers, the notice information management server 200 transmits notice information including a payment amount to be paid by the taxpayer and the like to the notice agency providing the notice information An information receiving means (205) for receiving notification information registration request information including at least one or more corresponding notified publicity institution identification information; and an information receiving means (205) for receiving the notification information registration request information, And an information storage unit 210 for storing the information in the notification information operation D / B 245 in connection with the high-level institution identification information.

In the case where the highland institution intends to provide the taxpayer with the amount due to be paid by the taxpayer, the highland institution terminal 250 (or the highland server 255) When the information registration request information is transmitted, the information receiving means 205 receives the notice information registration request information transmitted from the public place terminal 250 (or the notification server 255).

Here, the received notification information registration request information may further include taxpayer identification information for the taxpayer to receive the notice information.

In addition, when the notification information registration request information is received from the public place terminal 250 (or the notification server 255), the validity confirmation means for checking the validity of the received notification information registration request information is further included It is possible.

When the notification information registration request information is received from the public information terminal 250 (or the notification server 255), the information storage unit 210 stores the received notification information registration request information in the notification information management D / (245).

When providing a bill containing the notice information included in the stored notification information registration request information to the taxpayer, the bill identification information corresponding to the bill is linked to the notice information and stored in the notice information operation D / B 245 do.

Referring to FIG. 2, the notification information management server 200 includes information receiving means 205 for receiving payment subject information request information including customer information from the financial terminal 100 shown in FIG. 1, A notice information checking unit 220 for checking at least one notification information based on the received customer information included in the payment object notification request information, and a controller 220 for transmitting the confirmed one or more notice information to the financial terminal 100 And an information transmission means 230.

When the financial terminal 100 confirms the customer information corresponding to the financial means information corresponding to the card or bankbook input to the financial terminal 100 and the payment target information request information including the confirmed customer information is transmitted , The information receiving means 205 receives the payment target information request information.

Here, the received payment object information request information may include card information corresponding to the card when the financial means inserted in the financial terminal 100 is a card, or financial means inserted into the financial terminal 100 The information processing apparatus according to any one of claims 1 to 3, wherein the information processing apparatus includes information on account information corresponding to the passbook, and when payment information notification information request information including financial information including card information or passbook information is received, A function of confirming customer information using information, or a function of confirming one or more notice information using card information or passbook information may be further provided.

When the notice information requesting information to be paid is received from the financial terminal 100 through the information receiving means 205, the notice information checking means 220 checks whether the customer information included in the received payment object notification information request information Identify one or more notifications based on the information.

According to the method of the present invention, checking the notice information based on the customer information included in the received payment object notification information request information may include checking the bill information management D / B 240 or the notice information And confirms the notice information in conjunction with the operation D / B (245).

Here, the disclaimer information may be stored in a database (that is, the bill management D / B 240 or the disclaimer information operation D / B 245) provided on the disclaimer information management server 200, (Or confirmation) from the high-level institution server 255 connected to the management server 200 through the communication network.

If at least one notification information is confirmed based on the received customer information included in the payment object notification information request information, the information transmission means 230 transmits the confirmed one or more notification information to the financial terminal 100 .

Here, the information transmission unit 230 may further include identification information for identifying one or more pieces of notification information to be provided to the financial terminal 100 other than the confirmed one or more pieces of notification information.

Referring to FIG. 2, the notification information management server 200 transmits one or more notice information to the financial terminal 100 according to a request of the financial terminal 100, A settlement information generating unit 225 for generating settlement information corresponding to the at least one notified information transmitted from the financial terminal 100 for settlement processing for the settlement information, And information storage means 210 for storing the bill information on the bill management D / B 240 in connection with the bill information corresponding to the request information.

The notification information management server 200 further includes an information transmission unit 230 for transmitting the confirmed payment information to the payment server 260 to process payment for the confirmed one or more pieces of notification information do.

The payment information generating means 225 transmits one or more notice information to the financial terminal 100 according to a request of the financial terminal 100 and then transmits the notification information to the financial terminal 100 for payment processing of the transmitted one or more notice information. And generates payment information corresponding to at least one notification information transmitted.

According to an embodiment of the present invention, the payment information includes a sum total of all of the at least one notice information, taxpayer information to be paid, payment time limit information for each notice information, and an amount for each of the at least one notice information, .

When the payment information is generated through the payment information generation unit 225, the information storage unit 210 stores the generated payment information in the bill management D / B 240 in connection with the bill identification information.

Also, the generated payment information is transmitted to the payment server 260 so that payment can be made through the financial terminal 100.

Referring to FIG. 2, the notification information management server 200 receives at least one payment object notification information and a bill notification information for requesting payment by the taxpayer for the at least one notification information provided from the financial terminal 100 (205) for receiving the payment information request information including the payment information request information included in the received payment information request information, and an information receiving unit (205) for receiving the payment information request information including the payment information request information, A billing information generating means 225 for generating billing information based on the payment target information, if the billing information request information is not the billing information request information for the billing information request information, And information transmission means 230 for transmitting the information to the payment server 260 and / or the financial terminal 100 in connection with the information.

The notification information management server 200 further includes an information storage unit 210 for storing the generated payment information in connection with billing information decryption information included in the billing information request information and storing the billing information in the bill management D / Respectively.

The information receiving unit 205 receives the payment information request information from the financial terminal 100 after providing at least one notification information to the financial terminal 100. The information receiving unit 205 receives the payment information transmitted from the financial terminal 100, And receives payment information request information including at least one notification information and bill identification information.

If the payment target information included in the received payment information request information is not the payment information request information for all of the provided one or more notice information corresponding to the received payment information request information, The payment server 225 generates payment information based on the payment target information and transmits the payment information to the financial terminal 100 and / or the payment server 260 through the information transmission means 230.

Alternatively, if the payment target information included in the received payment information request information is payment information request information for all of the provided one or more pieces of notification information corresponding to the received payment information request information, the information transmission means 230 ) Transmits the payment information stored in the bill management D / B 240 to the financial terminal 100 and / or the payment server 260 through the payment information generating means 225.

Referring to FIG. 2, the notification information management server 200 receives the payment information from the banking program provided in the financial terminal 100 in cooperation with the payment server 260 An information receiving means (205) for receiving the settlement result information corresponding to the provided settlement information from the settlement server (260) after the settlement processing is completed; a settlement processing means (205) for performing settlement processing based on the settlement information corresponding to the received settlement result information (235).

After the settlement processing is completed in cooperation with the settlement server 260 in the banking program provided in the financial terminal 100 in the financial terminal 100 receiving the settlement information, The settlement processing unit 235 receives settlement result information transmitted from the server 260, and performs settlement processing based on the settlement information corresponding to the received settlement result information.

According to the method of the present invention, the settlement processing based on the received settlement result information may include checking settlement information corresponding to the received settlement result information, And the amount of money to be provided for each notified institution using the above-identified various information, and deposits the same into the account of the notified institution. At this time, the commission amount to process the bill It is possible to process the remaining amount to be deposited.

FIG. 3 is a diagram illustrating an operation procedure of a financial terminal 100 for paying / outputting a notice detail using a card or account information according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates an unmanned banking system (ATM) such as a cash dispenser (CD) and / or an automatic teller machine (ATM) provided in a financial institution (for example, a commercial bank branch) and / The operation of the financial terminal 100 for paying / outputting the notice information using the card or account information according to the present invention in the terminal 100 is shown in FIG. It is possible to refer to various operation methods of the financial terminal 100 for paying / outputting the notice details using the card or the account information according to the present invention by referring to and / or modifying the FIG. 3. However, The present invention includes all of the above-described embodiments, and is not limited by the method of operation shown in FIG.

Referring to FIG. 3, the financial terminal 100 shown in FIG. 1 checks whether a notification information inquiry / output mode is set 300 for paying / outputting a notice using a card or a passbook.

If it is determined in step 305 that the information inquiry / output mode for informing payment / payment of the notice information using the card or bankbook is set 305, the financial terminal 100 checks whether the card reader 105 included in the financial terminal 100, And reads the financial means information including the card information read through the card reader (310).

Here, when the passbook is input to the financial terminal 100, it is possible to read the financial means information including the passbook information corresponding to the passbook.

If the financial instrument information including the card information corresponding to the card inserted into the card reader unit 105 of the financial terminal 100 is not read 315, (Or extracts) the card information leading error information corresponding to the card inserted in the card reader / writer 105 (step 320).

On the other hand, when the financial means information including the card information corresponding to the card inserted into the card reader unit 105 of the financial terminal 100 is read out (315), the financial terminal 100 transmits, (Or extracts) the customer information using the read financial means information (325).

If the verification (or extraction) of the customer information using the read financial means information is failed (330), the financial terminal 100 generates (or extracts) the customer information check error information using the read financial means information (335).

FIG. 4 is a flowchart illustrating an operation procedure of the financial terminal 100 for paying / outputting a notice detail using a card or account information according to an embodiment of the present invention.

FIG. 4 shows the details of the financial means corresponding to the card information read by the financial terminal 100 or the customer information corresponding to the financial means information corresponding to the passbook information according to the process shown in FIG. 3, And request payment information using payment information request information information including the confirmed customer information. As a person skilled in the art, referring to FIG. 4 and / or FIG. Various embodiments of the operation procedure of the financial terminal 100 for paying / outputting the notice information using the card or the account information according to the present invention can be inferred. However, the present invention includes all of the above- And is not limited to the method shown in FIG. 4.

Referring to FIG. 4, the financial terminal 100 shown in FIG. 1 transmits payment object notification information request information including the confirmed notification information to the notification information management server 200 shown in FIG. 2 400, the notification information management server 200 receives the notification information request information transmitted from the financial terminal 100, and in association with the notification information management D / B shown in FIG. 2, (405). ≪ / RTI >

If at least one notification information corresponding to the received payment object notification information request information is not confirmed (or extracted) (410), the notification information management server 200 transmits the received payment object notification information request information (Or extracts) notification information indicating that there is no notice information that is confirmed based on the financial information of the financial terminal 100 and transmits the notification information to the financial terminal 100 so as to be output (step 415).

On the other hand, if at least one notification information corresponding to the received payment target information request information is confirmed (or extracted) (410), the notification information management server 200 transmits the confirmed / The financial terminal 100 confirms whether the payment information is requested for the outputted one or more pieces of notification information (425).

If it is determined in 430 that the payment information is requested for all or a part of the one or more pieces of notification information, the financial terminal 100 transmits the payment information And transmits the request information to the payment server 260 providing the payment service (435).

Here, the payment server 260 may be provided on a financial institution server or may be separately provided as a server on a communication network.

FIG. 5 is a diagram illustrating an operation procedure of a financial terminal 100 for paying / outputting a notice detail using a card or account information according to an embodiment of the present invention.

5 shows the financial means information corresponding to the card information read from the financial terminal 100 or the customer information corresponding to the financial means information corresponding to the passbook information according to the process shown in FIGS. Transmits payment request information request information including the confirmed customer information to the notification information management server 200, receives / outputs one or more notification information from the notification information management server 200, The payment server 260 transmits the payment information request information for the entire one or more pieces of notified information (or a part thereof) to the payment server 260, and receives the payment information from the payment server 260 and performs payment processing. Those skilled in the art will be able to refer to and / or modify the FIG. 5 to pay / print the notice details using the card or account information according to the present invention Would be able to infer a variety of exemplary methods for the operation of the carpet of the end 100, the present invention includes all embodiments in which the inference method, not limited by the exemplary method shown in the figure 5.

Referring to FIG. 5, the payment server 260 shown in FIG. 2 is connected to the notification information management server 200 shown in FIG. 2, and transmits the payment information received from the financial terminal 100 shown in FIG. (Or extracts) the payment information corresponding to the request information, and transmits the confirmed (or extracted) payment information to the financial terminal 100 so as to be output (505) The terminal 100 confirms whether the payment information is requested to be output (510).

If it is determined in step 515 that the payment information is requested, the financial terminal 100 provides a settlement service using the outputted payment information and the read financial information, And processes the financial transaction processing details according to the provision of the settlement service (step 525).

100: financial terminal
105: Card reader unit
110: passbook reader section
115:
120: key input unit
125: Power supply
130:
135:
140: validity authentication unit
145: Information reading section
150: Customer Information Verification Department
155: Notification Information Verification Department
160: Interface provisioning
165: Payment information confirmation unit
170:
175:
180:
185:
190: Cash payment department
195: Cash storage section
199:

Claims (4)

1. A method executed via a server interlocked with an automated device having a card reader,
A first step of confirming financial card information read from a customer's financial card through a card reader of the automatic apparatus;
A second step of confirming customer information associated with the financial card information before processing a transaction using the financial card information, and checking at least one notification information requested to a customer corresponding to the customer information in cooperation with the bill management server ;
A third step of confirming payment information for processing payment of the confirmed notice information when the notice information requested to the customer is confirmed; And
And a fourth step of processing a transaction corresponding to the payment information using the financial card information.
The method according to claim 1,
The first step may further include checking whether the operation mode of the automatic apparatus is a payment mode state in which the automatic confirmation and payment of the customer's notice information is made through the customer's financial card,
Wherein the second step is for checking the customer information associated with the financial card information without processing the transaction using the financial card information when the operation mode of the automatic machine is the payment mode, The method of claim 1, further comprising:
The method according to claim 1,
Providing the confirmed notice information to the automation device when the notice information requested by the customer is confirmed and outputting the information; And
And receiving payment information for processing settlement of the notice information selected by the user from the output notice information from the automation device.
2. The method according to claim 1,
And confirming payment information for collectively processing settlement of the plurality of confirmed notice information when a plurality of notice information requested to the customer is confirmed.

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