KR20080053261A - How to register customer's electronic payment and payment service using Giro (or utility bill) - Google Patents

Abstract

The present invention relates to an electronic payment and payment service registration processing method of a customer using a giro (or utility bill) automatic storage device, the giro (or utility bill) through a predetermined output means to pay the giro (or utility bills) in the automatic storage device Wired or wireless electronic payment and payment service registration application screen for the storage destination (or utility bill), wired or wireless electronic payment and payment service registration application menu screen for the storage destination (or utility bill), or the storage object An information output step of outputting an interface screen for inputting customer communication means information for wired or wireless electronic payment and payment service registration for a giro (or utility bill); and the customer is provided in the giro (or utility bill) automatic storage device Or no wire to the storage destination ground (or utility bill) through the input device When the pre-payment and payment service registration application information or the customer communication means information for registering the wired or wireless electronic payment and payment service for the storage destination (or utility bill) is inputted, the pre-payment (or utility bill) automatic storage device is set. Information transmission step and the server (or device) to transmit the information and the information (or utility bill) received information or the journal image to the server (or device) on the network network through the means of communication of the wired or wireless electronic payment and payment service registration application And an information registration step of storing and registering the information transmitted through the branch (or utility) automatic storage device in a predetermined storage medium in the device. Or utility bill) from the automatic storage device to the storage target ground (or the public space) through a predetermined communication means. Customer payment method information to be used in a wired or wireless electronic payment and payment service for billing).

Description

Method for Processing Registration of Electronic Payment and Settlement Service by Using Auto Giro (or Utilities) Receiving Devices}

1 is a view showing a preferred functional configuration of the automatic bill acceptor according to an embodiment of the present invention.

Figure 2 is a detailed functional configuration of the bill processing unit of the automatic bill acceptor according to an embodiment of the present invention.

3 is a diagram illustrating a method of operating a utility bill acceptor according to an embodiment of the present invention.

4 is a diagram showing a preferred functional configuration of a financial automation device according to another embodiment of the present invention.

5 is a diagram illustrating a method of operating a financial automation device according to another embodiment of the present invention.

6 is a diagram illustrating a jiro / utility bill processing system according to an embodiment of the present invention.

7 is a diagram illustrating a wired and wireless EBPP automatic application system according to an embodiment of the present invention.

8 is a diagram illustrating a process of applying for a wireless EBPP service in a journal terminal according to an embodiment of the present invention.

9 is a diagram illustrating a method for storing wireless EBPP application information according to an embodiment of the present invention.

10 is a diagram illustrating a process of applying for a wireless EBPP service in a journal terminal according to another embodiment of the present invention.

11 is a diagram illustrating an EBPP application screen of a utility bill acceptor according to an embodiment of the present invention.

12 is a diagram illustrating an EBPP application screen of a financial automation device according to another embodiment of the present invention.

13 is a diagram illustrating a wireless terminal information and / or email address information input screen according to an embodiment of the present invention.

14 is a diagram illustrating a process of applying for a wired EBPP service in a journal terminal according to an embodiment of the present invention.

15 is a diagram illustrating a wired EBPP application information storing method according to an embodiment of the present invention.

16 is a diagram illustrating a process of applying for a wired EBPP service in a journal terminal according to another embodiment of the present invention.

17 is a diagram illustrating a process of applying for a wired EBPP service by interworking with a journal terminal and a wireless terminal according to an embodiment of the present invention.

FIG. 18 is a diagram illustrating a process of applying for a wired EBPP service by interworking with a charge terminal and a wireless terminal according to another embodiment of the present invention.

FIG. 19 is a diagram illustrating a process of requesting a wired EBPP service by interworking with a journal terminal and a wireless terminal according to another embodiment of the present invention.

<Description of main parts of drawing>

100: automatic bill acceptor 110: card recognition unit

115: screen output unit 120: document processing unit

125: journal storage 135: communication unit

140: key input unit 155: memory unit

160: EBPP application unit 165: information input unit

170: information generating unit 175: information transmitting unit

180: authentication processing unit 500: financial automation equipment

700: EBPP registration server 705: information confirmation unit

710: information extraction unit 715: information receiving unit

720: information storage unit 730: payer certification unit

735: wireless processing unit 740: storage medium

The present invention is a wired or wireless electronic payment and payment service registration application screen for the storage destination giro (or utility bills) through a predetermined output means from a giro (or utility bill) automatic storage device to a giro (or utility bill) payment customer, or the Enter the wired or wireless electronic payment and payment service registration application menu screen for the storage destination (or utility bill), or input the customer communication means for registering the wired or wireless electronic payment and payment service for the destination destination (or utility bill). And a wired or wireless electronic payment and payment service registration for the storage target ground (or utility bill) through the information output step of outputting an interface screen for outputting, and the customer input means provided in the automatic storage unit of the ground (or utility bill). Wired or wireless transfer to application information or the storage destination (or utility bill) When the customer communication means information for payment and payment service registration is input, the information (or utility bill) is applied to the wired or wireless electronic payment and payment service registration application destination (or utility bill) through a predetermined communication means in the giro (or utility bill) automatic storage device. The information transmission step of transmitting the receipt information or the journal image to a server (or device) on the network and the information transmitted from the server (or device) through the branch (or bill) automatic storage device to a predetermined storage medium. And storing and registering the information. The information transmitting step includes a wired line for the storage target land (or utility bill) through a predetermined communication means in the automatic storage device of the branch (or utility bill). Or the server (or device) for the customer payment method information to be used in the wireless electronic payment and payment service. The present invention relates to an electronic payment and payment service registration processing method of a customer using a giro (or utility bill) automatic storage device.

Electronic Bill Presentment and Payment (EBPP) service provides bills, such as telephone bills, credit cards, taxes, apartment management fees, and insurance premiums, directly to customers over the Internet or by an Internet billing company (eg, EBPP). Company), and the customer checks the notice contents through the Internet and pays the amount corresponding to the notice contents, wherein the claiming agency forwards the computer file containing the billing history to the Internet billing company. When the billing company sends the bill to the customer's bank, the bank will notify the customer of the details through the Internet. And when the customer checks the billed amount and payment account balance via the Internet and pays the bill, the payment details are automatically delivered to the billing company, and the payment information is sent to the billing institution. In other words, the EBPP service provides a service on the Internet by combining electronic presentation and electronic payment, which have been previously provided separately.

In the conventional EBPP service, the procedure in which the customer joins the EBPP service (or applies for the EBPP service) is performed by the customer visiting the website operated by the EBPP providing company and registering and at least one or more affiliated with the EBPP providing company. The process of registering electronic bills for giro / utility payments corresponding to the billing institutions is done through the process, which includes complicated and inconvenient problems.

As a result, the EBPP service provides an integrated receipt management function while eliminating the inconvenience of bank visits and receipt storage from the customer's point of view, and also provides a discount on the cost of issuing paper bills. Although it has the advantage of eliminating the national waste caused by the issuance of bills and paper bills, it includes problems that are not being activated.

The present invention is derived to solve the above problems, wired to the storage target land (or utility bills) through a predetermined output means to the customer paying the giro (or utility bills) from the automatic storage of giro (or bills) Wireless electronic payment and payment service registration application screen, wired or wireless electronic payment and payment service registration application menu screen for the storage destination (or utility bill), or wired or wireless electronic payment for the storage destination (or utility bill) And an information outputting step of outputting an interface screen for inputting customer communication means information for registering a payment service, and through the input means provided by the customer in the giro (or utility bill) automatic storage device. Wired or wireless electronic payment and payment service registration application information or above for If the customer communication means information for wired or wireless electronic payment and payment service registration for the storage destination (or utility bill) is inputted, the information and the wired or Wireless electronic payment and payment service registration application destination (or billing) storage information transfer step or information sent to the server (or device) on the network and the information storage step (or billing) automatically from the server (or device) And an information registration step of storing and registering the information transmitted through the device in a predetermined storage medium, wherein the information transmission step includes a predetermined communication means in the giro (or utility bill) automatic storage device. Wired or wireless electronic payment and payment service for the storage destination (or utility bill) through The customer payment method information available books is a server (or device) to a further transport Jiro (or bills), Electronic payment of the customer by an automatic retracting device, and payments service registration processing method to provide.

The electronic payment and payment service registration processing method of the customer using the giro (or utility bill) automatic storage device according to the present invention, the giro (or utility bill) from the giro (or bills) automatic storage device through the predetermined output means to the customer paying giro (or bills) Wired or wireless electronic payment and payment service registration application screen for the storage destination (or utility bill), wired or wireless electronic payment and payment service registration application menu screen for the storage destination (or utility bill), or to the storage destination An information output step of outputting an interface screen for inputting customer communication means information for wired or wireless electronic payment and payment service registration (or a utility bill), and the customer is provided in the automatic (or utility bill) storage device. Wired or wireless electronics to the storage destination ground (or utility bill) via a predetermined input means Entering payment and payment service registration application information or customer communication means information for wired or wireless electronic payment and payment service registration for the storage target land (or utility bill), the predetermined communication is performed in the automatic storage device of the land (or utility bill). Information transmission step and the server (or device) for transmitting the information and the wired or wireless electronic payment and payment service registration application destination (or utility bill) receiving information or a bill image through a means to a server (or device) on the network. In the information storage step of storing and registering the information transmitted through the automatic storage device (or utility bill) in a predetermined storage medium; characterized in that the information transmission step, the branch (or utility bills) ) From the automatic storage device to the storage target ground (or utility bill) through a predetermined communication means. The customer payment method information used in a wired or wireless electronic payment and billing services, characterized in that it further transmitted to the server (or device).

According to the present invention, the information registration step, at the server (or device) confirms the branch (or bill) billing authority information using the branch (or bill) receipt information or the bill image, or the server (or Confirming the customer information of the wired or wireless electronic payment and payment service requesting customer using the giro (or utility billing) information or the billing image, or using the customer payment means information in the device) And storing and registering the billing information or the customer information in the storage medium.

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

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

In addition, the preferred embodiment of the present invention will be described below that a predetermined means is provided on the side (or utility bill) automatic storage device or server side to efficiently describe the technical components constituting the present invention, Depending on the intention and / or method of carrying out, the means can be embodied in various ways. For example, the means provided on the side of the branch (or utility) automatic storage device may include a functional configuration of the branch (or utility) automatic storage device and / or a unique characteristic (or role) of the branch (or utility) automatic storage device. Or a device mounted on the terminal (eg, a custom semiconductor or IC chip mounted on a PCB) or a removable device (eg, mounted on a terminal). It is possible to constitute a device that is detachable to the provided slot). In addition, the means provided on the server side may be a program (eg, unique to each means) recorded on a recording medium provided in the server according to the functional configuration of the server and / or the unique characteristics (or roles) of the server. A program comprising at least one or more functional units for performing a function (or role), and / or the at least one or more means are configured as one independent server such that a plurality of servers It is possible to configure to work through the interface.

In addition, the following embodiments are referred to as "EBPP" for convenience of the electronic payment and payment in order to easily explain the key technical features of the present invention to those skilled in the art to which the present invention belongs, for the present invention Terms for naming the components will also be appropriately modified and used by those skilled in the art, but the present invention is not limited thereto.

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

1 is a view showing a preferred functional configuration of the automatic bill acceptor 100 according to an embodiment of the present invention.

In more detail, Figure 1 shows a predetermined financial institution (eg, a commercial bank branch) as a storage institution through a payment means including at least one of a cash card, debit card, bank account, credit card, check card, electronic money, etc. In the utility bill acceptor 100 for storing the bills printed on the bill of jiro, showing a preferred functional configuration of the bill acceptor 100 equipped with a wired and wireless EBPP (Automatic Bill Presentment and Payment) service automatic application function, Those skilled in the art to which the present invention pertains can easily infer various implementation methods for the automatic bill acceptor 100 equipped with the wired / wireless EBPP service automatic application function by referring to and / or modifying the drawing 1. It will be apparent that the present invention is not limited by the above-described inferred method. Hereinafter, the bill is processed through the utility bill acceptor 100 is referred to as "bill" for convenience.

Referring to Figure 1, the automatic bill acceptor 100 according to the present invention is a card recognition unit for recognizing and obtaining a payment means including at least one or more cash card, debit card, bank account, credit card, check card, electronic money, etc. 110, a bill processing unit 120 for recognizing and reading a bill of journals to obtain predetermined storing information and / or a book image printed on the bill, and receiving predetermined billing information for each step of paying the bill of jiro. A key input unit 140, a screen output unit 115 for outputting a processing screen according to each payment step, at least one storing information acquired from at least one book through the book processing unit 120, and the card recognition The predetermined amount of bill information is processed by the payment means information obtained from the predetermined payment means through the unit 110 and the payment amount information including the payment amount included in the at least one storing information. A communication unit 135 for exchanging with the burr (or device), a print output unit 145 for printing and outputting a storing history and a storing result including at least one or more of the storing information, predetermined payment means information, and payment amount information; A memory unit 155 for storing the storage history and the bill image, a control unit for controlling the respective function components provided in the bill storage unit 125 and the utility bill acceptor 100 to store the stored physical bills 105. In addition, the utility bill further comprises a power supply 130 for supplying a predetermined power to the automatic receiving device (100).

The controller 105 controls the overall operation of the utility bill acceptor 100 in terms of function configuration, manages the flow of information or data between each component, and automatically applies for wired / wireless EBPP service during receipt of bill-based bills according to the present invention. To control the components provided in the automatic bill acceptor 100, and at least one processor and execution memory (e.g., registers including a Central Processing Unit (CPU) / Micro Processing Unit (MPU) in hardware) And / or a random access memory (RAM) and a bus for inputting and outputting predetermined data, and predetermined recording for performing functions specific to the automatic bill acceptor 100 by software. A predetermined program routine that is loaded from the medium into the execution memory and processed by the processor. And / or program data (therefore, a predetermined program and / or the wired / wireless EBPP recorded on a recording medium provided in the automatic bill acceptor 100 for automatic application of wired / wireless EBPP service during receipt of a bill-based utility bill according to the present invention). Among the functional configuration provided in the automatic bill acceptor 100 for the automatic service service, the component that can be processed by software is shown in the control unit 105).

The card recognition unit 110 provides an interface for reading at least one or more information or data included in a predetermined card to realize automatic application of wired and wireless EBPP service while storing a bill-based utility bill. The MS interface provides an interface between the magnetic stripe (MS) and the utility bill acceptor 100 based on the 7810 standard, and / or the contact IC card and the utility bill acceptor 100 based on the ISO / IEC 7816 standard. A contact IC interface providing an interface, and / or a contactless IC interface providing an interface between the contactless IC card and the utility bill acceptor 100 based on the ISO / IEC 14443 standard.

The MS interface is a card recognition unit 110 based on the ISO / IEC 7810 standard, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card recorded with (Binary data) and / or MS provided in the bankbook moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), By using a predetermined electrical signal loaded on the magnetic head, a predetermined information or data is interfaced to the automatic bill acceptor 100 from at least one track provided in the MS of the MS card. .

The contact IC interface is a card recognition unit 110 based on the ISO / IEC 7816 standard. The contact IC interface includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It is included, the power supply to the IC chip of the IC card through the contact point, predetermined information or data from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface with the automatic bill acceptor 100.

The non-contact IC interface is a card recognition unit 110 based on the ISO / IEC 14443 standard. The non-contact IC interface uses at least electrical contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It includes one or more antennas, and supplies power to the IC chip of the IC card through the antenna, and bills predetermined information or data from the IC chip through a half duplex transaction such as the APDU. It is characterized in that the interface with the automatic receiver (100).

According to the method of the present invention, the card recognition unit 110 recognizes a payment means including at least one or more of a cash card, debit card, bank account, credit card, check card, electronic money, etc. It is preferable to read and provide the read payment means information to the controller 105. For example, the payment means information may include at least one or more cash card number, debit card number, account number, credit card number, check card number, electronic money information, etc. corresponding to each payment method.

The book processing unit 120 may include at least one of an optical character recognition (OCR) document, and / or a seminal OCR document, and / or a magnetic ink character recognition (MICR) document, and / or A document, and / or a standard OCR document. Recognizing and reading a book containing the book, characterized in that to obtain the predetermined information stored in the book.

According to an embodiment of the present invention, the journal processing unit 120 digitizes the information and the shape printed on the journal to generate a predetermined journal image (for example, an optical scan function and / or a digital camera photographing function). It is preferable to further include.

In addition, the book processing unit 120 includes a book image generation function for recognizing and reading predetermined storing information written in a book (for example, A book) by the payer, and pattern recognition of the book image. Preferably, the method further comprises a handwritten character / number recognition system for recognizing the information.

According to the present invention, the storing information obtained by recognizing and reading a predetermined form through the form processing unit 120 includes at least one claimant number, a payer number, and payment amount information. The billing agency number preferably comprises at least one of a giro number and / or a collection agency number and / or a book publication number, etc., which are printed on the table, and the payer number is a payer number and / or a customer, printed on the table. It is preferable to include at least one or more reference number, and the payment amount information preferably includes at least one or more in-delivery amount information and / or post-delivery amount information printed in the table.

The journal storage unit 125 stores the physical journal processed by the journal processing unit 120. According to a preferred embodiment of the present invention, the journal journal storage unit 125 stores the physical journal read normally by the journal processing unit 120. It is preferably configured to include a read document storage unit 230 to be stored, and an unread document storage unit 135 for storing an actual document not normally read by the document processing unit 120. In the billing automatic receiving device 100 according to the present invention, a preferred embodiment of the document processing unit 120 and the book storage unit 125 will be described in detail with reference to FIG.

The key input unit 140 includes a predetermined at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined value and is provided to the key input device in a specific input mode and / or an operation mode of the utility bill acceptor 100 controlled by the controller 105. When predetermined information (or signal) is inputted from the key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The controller 105 may acquire predetermined key data corresponding to the key event in the current input mode and / or the operation mode of the utility bill acceptor 100, and / or the key event. It is characterized in that for obtaining a command to execute a predetermined function defined. The key input unit 140 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the utility bill acceptor 100.

According to the exemplary embodiment of the present invention, a key input device interoperating with the key input unit 140 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 (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

The screen output unit 115 reads predetermined storing information by the utility bill acceptor 100 by recognizing and reading a predetermined function (eg, at least one form, and based on the storing information through a predetermined payment means). In the process of performing a function of automatically storing bills), the controller 105 is predefined to output to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT). Or outputting at least one information or data defined in real time through a predefined payment step screen interface, and the predefined information or data to be output on the screen by the utility bill acceptor 100 is Key data input through the key input unit 140, and / or by the components provided in the utility bill acceptor 100 Information (or data) corresponding to a chapter or generated information, information (or data) transmitted / received through the communication unit 135, and / or (or data) corresponding to a predetermined calculation result performed by the utility bill acceptor 100 at least. It consists of one or more.

According to an embodiment of the present invention, the screen output unit 115 preferably outputs a processing screen according to each payment step of the utility bill acceptor 100, and the automatic application for wired or wireless EBPP service according to the present invention. It is preferable to output a request screen for wired / wireless EBPP service approval to the payer, and / or to output an interface screen for inputting wireless terminal information and / or mail address information to the payer, and / or the payer authentication. It is preferable to output an interface screen for inputting predetermined authentication information.

The communication unit 135 reads predetermined storage information by the utility bill acceptor 100 by recognizing and reading a predetermined function (for example, at least one form, and based on the storage information through a predetermined payment means). And / or the terminal (or device) connected to the utility bill acceptor 100 through a predetermined cable and / or the utility bill acceptor 100 to be connected through a predetermined short range wireless communication. It provides a predetermined communication means for connecting a communication session with a terminal (or device), a network communication unit for connecting a predetermined communication channel with a server (or terminal) on a wired or wireless network, and / or a predetermined cable Cable communication unit for connecting a communication session with a predetermined terminal (or device) through a communication port, and / or at least one short-range wireless communication means It includes a short-range wireless communication unit for connecting a predetermined communication session with a predetermined short-range communication terminal (or device) device through the communication protocol, and / or for connecting the communication channel (or communication session) by software This includes the driver.

The network communication unit may be a predetermined wired network including at least one or more financial common network or high-speed Internet (eg, ADSL / VDSL / Cable Network, etc.), and / or a mobile communication network based on CDMA, or a DataTAC scheme of Motorola Inc. of America or Erricson Corporation. It is characterized by connecting a communication channel with a server (or terminal) on the wired / wireless network through a predetermined wireless network including at least one of a Mobitex-based wireless data communication network or an IEEE 802.16 based portable Internet network. And a modem or a network interface card (NIC) for connecting the utility bill acceptor 100 to a predetermined wired / wireless network. The utility bill acceptor 100 is software-controlled. Including communication protocols and / or drivers to allow access to the network Is done.

The cable communication unit may connect a communication session with a predetermined terminal (or device) through a predetermined cable communication (eg, RS-232c or Universal Serial Bus (USB)), and the cable may be connected in hardware. It comprises a predetermined cable communication port, and comprises a communication protocol and / or driver for the cable communication in software.

The short range wireless communication unit includes at least one of infrared ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth), Wireless LAN (Wi-Fi), Wi-Fi (Ui-Fi), and Ultra Wide Band system (UWB). The above-described short-range wireless communication means for connecting a predetermined terminal (or device) and a short-range wireless communication session, the short-range wireless including the infrared communication, RF communication, Bluetooth, WLAN, WiFi, UWB in hardware It includes a predetermined short range wireless communication module for communication, and comprises a communication protocol and / or driver for the short range wireless communication in software.

According to an embodiment of the present invention, the communication unit 135 may include at least one or more storing information obtained from at least one form through the form processing unit 120 and a predetermined payment means through the card recognition unit 110. It is preferable to exchange the payment amount information, which is the sum of the acquired payment means information and the payment amount included in the at least one storing information, with a predetermined ticket processing server (or apparatus).

The printing output unit 145 reads predetermined storage information by the utility bill acceptor 100 by recognizing and reading a predetermined function (for example, at least one form, and based on the storing information through a predetermined payment means. And a predetermined information or data (for example, a billing result) generated as a result of performing the process of automatically storing billing charges) and / or the result of the billing. And a printing protocol and a driver for printing the print information or data through the printing apparatus 150 according to the printed form.

According to an embodiment of the present invention, it is preferable to print out the storing details and the storing result including at least one of the storing information, predetermined payment means information, and payment amount information.

The memory unit 155 inputs and outputs when an operation by a predetermined program routine (or code) and / or program data (eg, a program routine (or code)) for controlling the overall operation of the utility bill acceptor 100 is performed. General term of non-volatile memory for storing information or data), including hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) and / or Flash Memory (FM) and / or Hard Disk Drive (HDD). It includes at least one storage means, and the predetermined program routine and program data required for the control unit 105 to perform a predetermined control function (e.g., input or output for the program routine to perform a predetermined function) Data) is stored.

According to the method of the present invention, the receipt information obtained by recognizing and reading at least one form by the form processing unit 120, the payment means information obtained by recognizing through the card recognition unit 110 and at least one or more forms It is preferable to store a storing history including payment amount information calculated by summing the payment amount included in the storing information, and / or to store a book image obtained from the at least one book by the book processing unit 120. .

Referring to FIG. 1, the utility bill acceptor 100 requests the payer to approve the EBPP service, receives the EBPP service approval result, and starts the EBPP service automatic application process for the payer. And, an information input unit 165 for receiving wireless terminal information and / or mail address information for an EBPP service through a predetermined key input means, a billing authority number and a payer number included in at least one or more stored information, and the card recognition. An information generation unit 170 for generating EBPP application information including at least one payment means information obtained through the unit 110 and the wireless terminal information and / or e-mail address information, and the communication unit 135. And an information transmitter 175 for transmitting the generated EBPP application information to an EBPP registration server 700. A confidentiality (Confidentiality), authentication (Authentication), integrity (Integrity) and is preferably formed by further comprising an authentication processor 180 for performing an authentication procedure for the non-repudiation (Nonrepudiation).

The EBPP application unit 160 reads predetermined storage information by recognizing and reading at least one form through the automatic bill acceptor 100, and automatically stores the utility bill based on the storage information through a predetermined payment means. Before, during, or after performing the function, request the payer to automatically apply and approve the EBPP service through the screen output unit 115, and through the key input unit 140. EBPP service approval result is inputted from the payer and processed.

According to the exemplary embodiment of the present invention, the EBPP application unit 160 may display the screen output unit 115 before, during, or after the utility bill acceptor 100 performs the utility bill acceptor function. It is preferable to output a message window for inquiring whether or not to automatically apply for wired and wireless EBPP service to the payer, and / or to include an EBPP application menu on a part of the automatic bill payment processing screen. Automated application process for wired and wireless EBPP services will be initiated.

When the merchant payer requests the wired / wireless EBPP service through the EBPP application unit 160, the information input unit 165 may provide the wireless terminal information for providing the wired / wireless EBPP service through the screen output unit 115. Or outputting an interface screen for inputting mail address information and receiving wireless terminal information and / or mail address information through the key input unit 140 based on the interface screen.

According to an embodiment of the present invention, a keypad device having at least one numeric key and a function key in the utility bill acceptor 100, or a keyboard device having at least one numeric key, a letter key and a function key, or the A touch screen device including at least one numeric key and a function key or at least one numeric key and a character key and a function key is provided in association with a screen output means, and the payer is the EBPP application unit 160. When applying for a wireless EBPP service (eg, an EBPP service provided through a wireless terminal) through the information input unit 165 inputs wireless terminal information for providing a wireless EBPP service through the screen output unit 115. Outputting an interface screen to receive the payer wireless terminal (or wireless EBPP service) through the interface screen; To receive input information to the wireless terminal (e.g., mobile station number, etc.) corresponding to the line terminals) are preferred.

According to another embodiment of the present invention, a keypad device having at least one numeric key and a function key in the utility bill acceptor 100, or at least one numeric key and a function key in conjunction with the screen output means. When a touch screen device is provided and the payer requests a wired EBPP service (eg, an EBPP service provided through an e-mail) through the EBPP application unit 160, the information input unit 165 may include the screen output unit ( And outputting an interface screen for inputting predetermined wireless terminal information through 115, and wireless terminal information (eg, wireless terminal) corresponding to the payer wireless terminal (or a wireless terminal to be provided with wireless EBPP service) through the interface screen. Number, etc.), and then the mail address information for the wired EBPP service is transmitted to the wireless terminal. Receiving through a is preferably transmitted to the EBPP registration server 700.

According to another embodiment of the present invention, a keyboard device having at least one numeric key, a character key, and a function key in the utility bill acceptor 100, or at least one numeric key and character in conjunction with the screen output means. A touch screen device having a key and a function key is provided, and when the payer requests a wired EBPP service (for example, an EBPP service provided by mail) through the EBPP application unit 160, the information input unit 165 ) Outputs an interface screen for inputting mail address information for providing a wired EBPP service through the screen output unit 115, and the payer mail address (or a mail address for receiving wired EBPP service through the interface screen). It is preferable to receive the mail address information corresponding to the &quot;

According to the method of the present invention, the information input unit 165, the payer to facilitate the process of identifying and extracting the payer information on the basis of the wired and wireless EBPP application information in the EBPP registration server 700, (Or wired / wireless EBPP applicant) is preferably input to the resident registration number, in this case, the resident registration number of the payer (or wired and wireless EBPP applicant) is preferably included in the wired and wireless EBPP application information is transmitted to the EBPP registration server 700. Do.

The information generating unit 170 is at least one obtained from at least one form through the form processing unit 120 during or after the utility bill acceptor 100 automatically stores the utility bills; Billing agency number and payer number included in the receipt information, payment means information obtained from the payer payment means through the card recognition unit 110, and wireless terminal information and / or e-mail address input through the information input unit 165 And generating EBPP application information including at least one information.

According to an embodiment of the present invention, the payer requests a wireless EBPP service (eg, an EBPP service provided through a wireless terminal) through the EBPP application unit 160, and the payer through the key input unit 140. When wireless terminal information (eg, a wireless terminal number) corresponding to a wireless terminal (or a wireless terminal to which a wireless EBPP service is to be provided) is input, the information generation unit 170 may at least through the document processing unit 120. Claim agency number and payer number included in at least one or more storage information obtained from one or more vouchers, payment means information obtained from the payer payment means through the card recognition unit 110, and input through the information input unit 165 It is preferable to generate the wireless EBPP application information including at least one of the radio terminal information. In addition, the wireless terminal information may be used by the authentication processing unit 180 as a means for performing an authentication procedure for confidentiality, authentication, integrity and non-repudiation of the wired EBPP application of the payer.

According to another exemplary embodiment of the present invention, the payer applies for a wired EBPP service (eg, an EBPP service provided through an e-mail) through the EBPP application unit 160, and performs a predetermined wireless transmission through the key input unit 140. When terminal information (eg, a wireless terminal number) is input, the information generation unit 170 may include a billing authority number included in at least one or more accommodation information obtained from at least one or more journals through the journal processing unit 120. Generating wireline EBPP application information including at least one payer number, payment means information obtained from the payer payment means through the card recognition unit 110, and the wireless terminal information input through the information input unit 165; Preferably, the mail address information for the wired EBPP service is transmitted through the wireless terminal separately from the wired EBPP application information. Input received is preferably transmitted to the EBPP registration server 700. In addition, the wireless terminal information may be used by the authentication processing unit 180 as a means for performing an authentication procedure for confidentiality, authentication, integrity and non-repudiation of the wired EBPP application of the payer.

According to another embodiment of the present invention, the payer applies for a wired EBPP service (for example, an EBPP service provided by mail) through the EBPP application unit 160, and the payer through the key input unit 140. When mail address (or mail address to which wired EBPP service is to be provided) information is input, the information generating unit 170 is included in at least one or more storing information obtained from at least one book through the book processing unit 120. A predetermined billing institution number and a payer number, payment means information obtained from the payer payment means through the card recognition unit 110, and the e-mail address information input through the information input unit 165 It is desirable to generate wired EBPP application information. At this time, the information input unit 165 may further receive the wireless terminal information of the payer for confidentiality, authentication, integrity and non-repudiation of the wired EBPP application of the payer, thereby the authentication processing unit 180 A predetermined authentication procedure may be performed through the payer wireless terminal.

According to the method of the present invention, when the resident registration number of the payer (or wired or wireless EBPP applicant) is further input by the information input unit 165, the information generation unit 170 is the inputted to the wired or wireless EBPP application information. It is preferable to further include the social security number of the payer (or wired or wireless EBPP applicant).

The information transmitter 175 transmits the generated EBPP application information through the communication unit 135 to a sales office of a storage bank equipped with the utility bill acceptor 100 and / or a main office of the storage bank, and / or the storage. And to the EBPP registration server 700 provided in the bank's financial system and / or on a network interoperating with the bank's financial system.

The EBPP registration server 700 is characterized in that the utility bill is also connected to the receiver and a predetermined communication channel through a predetermined network 760 and / or communication means 760 in conjunction with the communication unit 135, Based on the billing agency number included in the EBPP application information, the billing agency information extracting a billing amount charged to the payer in connection with a predetermined billing agency D / B 755 is extracted, and the payment included in the EBPP application information. Extract payer information corresponding to the payer number from predetermined customer information D / B 750 based on the means information, and convert the billing agency information, payer information and / or the payment means information into the wireless terminal information and / or It is characterized by storing in a predetermined storage medium 740 by the process associated with the mail address information.

The authentication processing unit 180 is linked with the card recognition unit 110 through the utility bill acceptor 100, and / or in conjunction with a predetermined authentication server provided on the network, and / or the wireless terminal and In conjunction with the EBPP registration server 700, characterized in that for performing the authentication process for confirming the confidentiality, authentication, integrity and non-repudiation for the payer applying for wired and wireless EBBP service.

According to an exemplary embodiment of the present invention, when the card recognized through the card recognition unit 110 is an IC card, the authentication processor 180 authenticates a predetermined validity of the IC card (for example, the predetermined card). IC card authentication process using PIN (Personal Identification Number), IC card authentication process provided in IC card, IC card authentication process using biometric information), the confidentiality, authentication, It is desirable to perform an authentication procedure to verify integrity and nonrepudiation.

According to another exemplary embodiment of the present invention, the authentication processing unit 180 receives the EBPP application information including the wireless terminal information after the wireless terminal information for the payer's wireless terminal is input through the information input unit 165. Is transmitted to the EBPP registration server 700, the key is generated when the predetermined authentication number is generated by the EBPP registration server 700 (or a server associated with the EBPP registration server 700) and transmitted to the wireless terminal, the key By receiving the authentication number through the input unit 140 and transmitting to the EBPP registration server 700 (or the server associated with the EBPP registration server 700), confidentiality for the payer applying for the wired and wireless EBBP service, It is desirable to perform an authentication procedure to verify authentication, integrity, and nonrepudiation.

According to the implementation method of the present invention, the authentication processing unit 180 to facilitate the authentication process for confirming the confidentiality, authentication, integrity and non-repudiation for the payer applying for the wired and wireless EBBP service, the authentication procedure It is preferable to further receive the resident registration number for the payer (or wired or wireless EBPP applicant) during the transmission to the EBPP registration server 700 (or the server associated with the EBPP registration server 700).

According to another embodiment of the present invention, the authentication processing unit 180 is the payer (for example, the financial server or biometric authentication server, etc. associated with the EBPP registration server 700 (or EBPP registration server 700)) When predetermined biometric information corresponding to a customer who has issued the payment means from a financial institution is provided, and / or when a predetermined biometric device (not shown) is provided in the utility bill acceptor 100, the authentication is performed. The processor 180 may include biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, and / or DNA (Deoxyribo Nucleic Acid), etc.) from the biometric device to the payer. Information, and the like, and transmits the information to the EBPP registration server 700 (or a financial server or biometric authentication server associated with the EBPP registration server 700, etc.), thereby providing confidentiality for the payer applying for the wired / wireless EBBP service. It is advisable to carry out authentication procedures to verify authentication, integrity, and nonrepudiation. Or, if the wireless terminal is provided with a predetermined one-time-password (OTP) generation function, based on the one-time password generation function provided in the wireless terminal (Time-Synchoronous) or challenge- It is desirable to ensure confidentiality, authentication, integrity and non-repudiation of the payer in accordance with at least one OTP authentication procedure of a challenge-response scheme. In addition to the above-described implementation method, various forms of authentication procedures for verifying confidentiality, authentication, integrity and non-repudiation of the payer applying for the wired / wireless EBBP service may be performed according to the intention of a person skilled in the art of implementing the present invention. The present invention is not limited thereby.

According to another embodiment of the present invention, the EBPP application unit 160 and / or information input unit 165 and / or information generation unit 170 and / or information transmission unit 175 and / or authentication processing unit 180 At least one of the functional components may be provided in the controller 105 in the form of an integrated chip including at least one or more logic, and / or in the controller 105 in the form of a predetermined integrated program, thereby The present invention is not limited.

Figure 2 is a detailed functional configuration of the bill processing unit 120 of the automatic bill acceptor 100 according to an embodiment of the present invention.

More specifically, Figure 2 shows a preferred functional configuration for the bill processing unit 120 shown in the billing automatic receiving device 100 shown in Figure 1, the person having ordinary skill in the art to which the present invention belongs In this case, various embodiments of the present invention may be easily inferred by referring to and / or modifying the drawing 2 to recognize and read a predetermined document in the utility bill acceptor 100 to read predetermined utility bill information (or a print factor information). It will be appreciated that the invention is not limited to the inferred method of practice.

Referring to FIG. 2, the document processing unit 120 includes a document inserting unit 205, a document conveying unit 210, a document reading unit 215, a temporary storage unit 220, and / or a document distribution unit 225. And a sensor S1 is provided between the document inserting unit 205 and the document conveying unit 210 to check whether a predetermined document is inserted through the document inserting unit 205, and the document conveying unit 210 is provided. And a sensor S2 for checking whether a document to be read is conveyed to the document reading unit 215 is provided between the document reading unit 215 and the document reading unit 215 and the temporary storage unit 220. A sensor S3 is provided for checking a document passed through the reading unit 215, and between the temporary storage unit 220 and the document distribution unit 225 is provided for checking the document passing through the temporary storage unit 220. The sensor S4 is provided.

When a predetermined document is input through the journal inserting unit 205, the sensor S1 detects this and drives the roller through the motor M, and the journal conveying unit 210 including the roller includes the loaded paper. The document is transferred to the document reader 215.

When the document is transferred to the document reading unit 215 through the document conveying unit 210, the sensor S2 detects this, whereby the document reading unit 215 performs a reading procedure on the conveyed document. do.

According to an embodiment of the present invention, the journal reader 215 may include an optical scanner and / or an optical character reader (OCR) and / or a magnetic ink character reader (MICR). And / or at least one or more 1D / 2D bar code readers (BCRs) and / or digital cameras, and the like, and includes predetermined information (eg, utility bills) printed on the table. Information) is digitized and read out. Those skilled in the art to which the present invention pertains understand the technical features of reading the information printed on the book by the book reader 215, and thus the detailed description thereof will be omitted for convenience.

The document read as described above is transferred to the temporary storage unit 220 through a roller and temporarily stored, and the sensor S3 detects that the document is transferred to the temporary storage unit 220.

According to the embodiment of the present invention, the document transferred to the temporary storage unit 220 is a reading book normally read by the book reading unit 215 or not read by the book reading unit 215. One of the reading sheets.

The temporary storage unit 220 discharges the temporarily stored journal to the journal distribution unit 225, and the thin wire S4 detects that the journal is discharged from the temporary storage unit 220.

According to the exemplary embodiment of the present invention, the journal reader 215 and / or the temporary storage unit 220 may acquire a journal image for the reading journal through an optical scanner and / or a digital camera. For example, when the journal reader 215 is equipped with the optical scanner and / or a digital camera, the journal reader 215 further has a function of acquiring a predetermined journal image for the reading journal in addition to the reading function. If the temporary storage unit 220 is provided with the optical scanner and / or digital camera, the temporary storage unit 220 further has a function of acquiring a document image while temporarily storing the reading document. Can be done. Of course, according to the intention of those skilled in the art may be provided with a separate book image acquisition unit (not shown).

The document distribution unit 225 checks whether the document discharged from the temporary storage unit 220 is a read document or an unread document in association with the document reader 215, and the read document is the document storage unit ( The unread document is transferred to and stored in the unread document storage unit 235 of the document storage unit 125.

At this time, the unread slip is to input the predetermined billing information from the customer through the key input unit 140 provided in the utility bill acceptor 100, and / or to operate and manage the utility bill acceptor It is possible to process through the manual confirmation of the staff, whereby the present invention is not limited.

Thereafter, data processing for the read and / or unread documents is performed according to a previously defined procedure, whereby the present invention is not limited.

3 is a diagram illustrating a method of operating the automatic bill acceptor 100 according to an embodiment of the present invention.

In more detail, in FIG. 3, in the utility bill acceptor 100 as shown in FIG. 1, at least one document is recognized and read through the bill processing unit 120 to obtain at least one piece of storing information. Based on the stored information, a predetermined payment amount (eg, the total payment amount including the payment amount included in at least one or more storage information) is calculated, and the predetermined payment means (for example, a card provided with the payment means) is used. As an example of an operation screen of a utility bill acceptor 100 for processing a calculated payment amount and paying a payment amount included in the storage information, the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the Figure 3 it will be easy to infer the operation screen of each automatic bill acceptor 100 according to the intention of those skilled in the art, It does not limit the invention. In addition, if those of ordinary skill in the art to which the present invention pertains, it is possible to easily infer each of the information obtained in each operation screen through the utility screen automatic bill acceptor 100 illustrated in FIG. There will be.

3A is an initial screen of the automatic bill acceptor 100, and a payer inputs a bill in which predetermined storage information is printed according to a jiro bill form into a bill input slot provided in the utility bill acceptor 100. The bill processing unit 120 provided in the utility bill acceptor 100 recognizes and reads the inserted bill through the functional configuration as shown in FIG. 2 to obtain predetermined storing information, and (b) of FIG. Similarly, the obtained storing information is output to the screen.

As described above, the process of obtaining a book and storing information may be repeatedly performed for a plurality of books, as shown in (c) of FIG. 3, and if the process of acquiring predetermined storing information from at least one book is completed, The utility bill acceptor 100 sums the payment amount included in the obtained at least one storage information as shown in (d) of FIG. 3 to obtain a predetermined payment amount (eg, the payment amount included in the at least one storage information). The total amount of the sum paid) is calculated, and a payment process for the payment amount is requested through a predetermined payment means as shown in FIG.

The payer processes the payment for the payment amount (total payment amount) through a payment means including at least one of a cash card, debit card, bank account, credit card, check card, electronic money, etc. as shown in (e) of FIG. In the above process, payment means information including at least one of a cash card number, a debit card number, an account number, a credit card number, a check card number, and electronic money information corresponding to the payment means is obtained.

As described above, the payment processing for the payment amount (total payment amount) corresponding to the storage information obtained from the at least one form is processed through the Jiro / utility bill processing system shown in FIG. 6, and the utility bill acceptor 100 As shown in (3) of FIG. 3, the screen for completing the road / utility bill is output.

4 is a diagram showing a preferred functional configuration of a financial automation device 400 according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a financial automation device 400 equipped with a wired / wireless EBPP service automatic application function in a financial automation device 400 provided at a predetermined financial institution (eg, a commercial bank branch) and / or a public place. As shown in the preferred functional configuration of the present invention, those skilled in the art to which the present invention pertains, the financial automation device 400 equipped with a wired and wireless EBPP service automatic application function by referring to and / or modifying the Figure 4 Various implementation methods may be easily inferred, but it is apparent that the present invention is not limited by the inferred implementation methods.

Referring to FIG. 4, the financial automation device 400 according to the present invention recognizes and acquires a payment means including at least one of a cash card, a debit card, a bank account, a credit card, a check card, and an electronic money. 410, a screen output unit 415 for outputting a processing screen according to each financial transaction and utility bill payment step, a key input unit 420 for receiving predetermined information corresponding to each financial transaction and utility bill payment step, and A payment amount obtained by adding at least one or more pieces of storage information through a key input unit 420, payment means information obtained from a predetermined payment means through the card reader unit 410, and a payment amount included in the at least one or more pieces of storage information. A communication unit 430 for exchanging information with a predetermined document processing server (or device), a memory unit 455 for storing each financial transaction history and a storage history, and cash for each financial transaction. Urgently, the cash supply unit 440 and the power supply unit 425 for supplying power to the financial automation device 400 and at least one terminal function unit 435 and each function provided in the financial automation device 400 It comprises a control unit 405 for controlling the component.

The control unit 405 controls the overall operation of the financial automation device 400 in function configuration, manages the flow of information or data between each component, and the financial automation device 400 for at least one financial transaction and payment of utility bills. At least one processor and execution memory (for example, a register) and a predetermined component, which control the at least one or more components included in the hardware), the hardware including a Central Processing Unit (CPU) / Micro Processing Unit (MPU). And a bus (BUS) for inputting and outputting data, and at least one electronic circuit (or integrated circuit) therefor, and the financial automation device 400 for performing a function unique to software. Loading from the predetermined recording medium provided to the execution memory and the operation by the processor Predetermined program routines and / or program data (hence, predetermined programs recorded on a recording medium provided in the financial automation device 400 for automatic application of wired and wireless EBPP services during billing receipt according to the present invention). And / or a component capable of being processed by software among functional components provided in the financial automation device 400 for automatic application of the wired / wireless EBPP service (shown to be provided in the controller 405). . In particular, the control unit 405 includes a predetermined operating system and / or a terminal control program routine for managing the financial automation device 400 after the financial automation device 400 is booted in software. .

The card reader unit 410 provides an interface between the card and the financial automation device 400 to read at least one or more information or data provided in the card for at least one financial transaction and utility bill payment. In addition, the MS reader interface interfacing the MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the financial automation device 400 and / or the contact IC (Integrated Circuit) card based on the ISO / IEC 7816 standard. And a contact IC reader unit for interfacing with the automation device 400 and / or a contactless IC reader unit for interfacing with the financial automation device 400 on a contactless IC card based on the ISO / IEC 14443 standard.

The MS reader unit is a card reader unit 410 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the at least one track (Track) included in the MS of the MS card using a predetermined information or data, characterized in that the interface to the financial automation device 400.

The contact IC reader unit is a card reader unit 410 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to the automation device (400).

The non-contact IC reader unit is a card reader unit 410 based on ISO / IEC 14443. At least one of the non-contact IC card may be in electrical contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It comprises the above antenna, and supplies power to the IC chip of the IC card through the antenna, and financial automation of predetermined information or data from the IC chip through the half-duplex transaction using APDU It is characterized in that the interface to the device 400.

The screen output unit 415 is predefined so that the financial automation device 400 is output by the control unit 405 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT). Or at least one information or data that is defined in real time or is defined in real time, and the key data input through the key input unit 420 in the predefined information or data to be output on the screen by the financial automation device 400. , Information stored or generated by a component included in the financial automation device 400, information transmitted and received through the communication unit 430, and data corresponding to a predetermined calculation result performed by the financial automation device 400. Is done by.

According to the exemplary embodiment of the present invention, the screen output unit 415 preferably outputs a processing screen according to the bill payment step defined in the financial automation device 400, and automatically applies for wired / wireless EBPP service according to the present invention. It is preferable to output a request screen for the wired and wireless EBPP service approval to the payer, and / or to output an interface screen for inputting wireless terminal information and / or mail address information to the payer, and / or the It is preferable to output an interface screen for inputting predetermined authentication information for payer authentication.

The key input unit 420 is provided with at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the financial automation device 400 controlled by the controller 405. When predetermined information (or signal) is inputted from the key button of, a key event corresponding to the input information (or signal) is generated and the generated key event is provided to the controller 405. The controller 405 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial automation device 400, and / or is matched with the key event. It is characterized by obtaining a command to execute a defined predetermined function. The key input unit 420 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the financial automation device 400.

According to an embodiment of the present invention, a key input device interoperating with the key input unit 420 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 (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to the present invention, the utility bill payment through the financial automation device 400, the predetermined storage information (e.g., billing agency number (or Giro number, etc.), electronic payment payment printed on a predetermined form through the key input unit 420) Number), etc.), and the screen output unit 415 outputs a predetermined interface screen for inputting the accommodation information printed on the table to the screen output means. It features.

The communication unit 430 provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial automation device 400 and the external system of each financial system) included in the financial automation device 400. And at least one wireless network including a hardware added value added network (VAN), a financial common network, or an asymmetric digital subscriber line (ADSL), and a mobile communication network or a wireless data communication network. Cable that provides transaction communication with external communication devices through network communication unit and / or predetermined cable communication port (e.g. RS-232c, Universal Serial Bus (USB), etc.) for providing transactional communication with a server on a wired or wireless network through Communication unit and / or Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth, Wireless LAN N), including a short-range communication unit for providing a transactional communication with the local area communication device through at least one or more short-range wireless communication, including Wi-Fi, Ultra Wide Band system (UWB), transactional communication in software It comprises a communication protocol and communication application to provide.

According to an embodiment of the present invention, the communication unit 430 may include at least one or more storing information input through a key input unit in a bill payment process defined in the financial automation device 400 and through the card reader unit 410. It is preferable to exchange the payment amount information obtained by adding the payment means information obtained from the predetermined payment means and the payment amount included in the at least one storing information with the predetermined ticket processing server (or apparatus).

The memory unit 455 is a storage medium 740 that stores at least one or more information or data required for the control unit 405 to perform a predetermined control function. The memory unit 455 has an electrically erasable and programmable read only memory (EPEROM) in hardware. ), At least one storage means including a flash memory (FM), a hard disk drive (HDD), and a predetermined program required by the controller 405 to perform a predetermined control function in software. Routine and program data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, in the bill payment process defined in the financial automation device 400, the storage information input through the key input unit, the payment means information read through the card reader unit 410 and at least one storage It is preferable to store a storing history including payment amount information calculated by summing payment amounts included in the information.

Cash payment unit 440 is a financial transaction result corresponding to a card read through the card reader unit 410 from a predetermined financial system through the communication unit 430, a predetermined cash payment instruction (or Cash payment approval result) and, if received, the cash corresponding to the cash payment instruction (or cash payment approval result) (or cash requested by the financial transaction customer) with a predetermined cash provided in the financial automation device 400. Read out from the storage unit 445 is characterized in that the payment to the customer through a predetermined cash discharge unit 450.

The terminal function unit 435 is a component provided in the financial automation device 400 in addition to the components shown in FIG. 4 and / or a component provided in the financial automation device 400 for a predetermined purpose or role. For example, various additional functions according to the intention of those skilled in the art, such as a secure application module (SAM) for financial transaction support and / or a print output unit for printing and printing a receipt and / or a biometric recognition device for biometrics Including configuration. Those skilled in the art to which the present invention pertains can easily understand each terminal function unit 435 provided according to the characteristics of the financial automation device 400, and thus a detailed description thereof will be omitted.

Referring to FIG. 4, the EBPP application unit 460 requests the payer to approve the EBPP service, receives the EBPP service approval result, and starts the EBPP service automatic application process for the payer. And an information input unit 465 for receiving wireless terminal information and / or e-mail address information for an EBPP service through a predetermined key input means, a billing authority number and an electronic payment number included in at least one storing information, and the card. An information generating unit 470 for generating EBPP application information including at least one payment means information obtained through the reader unit 410 and the wireless terminal information and / or e-mail address information; and the communication unit 430 And an information transmitter 475 for transmitting the generated EBPP application information to an EBPP registration server 700, and the EBPP application information. And further comprising an authentication processing section 480 to perform an authentication procedure for the confidentiality, authentication, integrity and non-repudiation may be made of.

The EBPP application unit 460 recognizes and reads at least one form through the financial automation device 400 to read predetermined storage information, and automatically stores utility bills based on the storage information through predetermined payment means. Before, during, or after performing the function, request the payer to automatically apply and approve the EBPP service through the screen output unit 415, and through the key input unit 420. EBPP service approval result is inputted from the payer and processed.

According to an embodiment of the present invention, the EBPP application unit 460 is the screen output unit 415 before, during, or after the financial automation device 400 performs the utility bill storage function. It is preferable to output a message window for inquiring whether or not to automatically apply for wired and wireless EBPP service to the payer, and / or to include an EBPP application menu on a part of the automatic bill payment processing screen. The application process for automatic wired and wireless EBPP service will be initiated.

When the merchant payer requests the wired / wireless EBPP service through the EBPP application unit 460, the information input unit 465 may provide the wireless terminal information for providing the wired / wireless EBPP service through the screen output unit 415. Or outputting an interface screen for inputting mail address information, and receiving wireless terminal information and / or mail address information through the key input unit 420 based on the interface screen.

According to an exemplary embodiment of the present invention, a keypad device having at least one numeric key and a function key, or a keyboard device having at least one numeric key, a character key, and a function key in the financial automation device 400, or the A touch screen device including at least one numeric key and a function key or at least one numeric key and a character key and a function key is provided in association with a screen output means, and the payer is provided with the EBPP application unit 460. When applying for a wireless EBPP service (eg, an EBPP service provided through a wireless terminal) through the information input unit 465 inputs wireless terminal information for providing a wireless EBPP service through the screen output unit 415. Outputting an interface screen to receive the payer wireless terminal (or wireless EBPP service) through the interface screen; To receive input information to the wireless terminal (e.g., mobile station number, etc.) corresponding to the terminal) are preferred.

According to another embodiment of the present invention, the financial automation device 400 includes a keypad device having at least one numeric key and a function key, or at least one numeric key and a function key in conjunction with the screen output means. When a touch screen device is provided and the payer requests a wired EBPP service (eg, an EBPP service provided through an e-mail) through the EBPP application unit 460, the information input unit 465 may be configured to display the screen output unit ( 415 outputs an interface screen for inputting predetermined wireless terminal information, and wireless terminal information (for example, wireless terminal) corresponding to the payer wireless terminal (or a wireless terminal to be provided with wireless EBPP service) through the interface screen; Number, etc.), and then the mail address information for the wired EBPP service is transmitted to the wireless terminal. Receiving input via is preferably transmitted to the EBPP registration server 700.

According to another exemplary embodiment of the present invention, a keyboard device including at least one numeric key, a character key, and a function key in the financial automation device 400, or at least one numeric key and text in conjunction with the screen output means. A touch screen device having a key and a function key is provided, and when the payer requests a wired EBPP service (for example, an EBPP service provided by mail) through the EBPP application unit 460, the information input unit 465 ) Outputs an interface screen for inputting mail address information for providing a wired EBPP service through the screen output unit 415, and a mail main address (or a wired EBPP service to be provided with wired EBPP service) through the interface screen. It is preferable to receive e-mail address information corresponding to the above.

According to the method of the present invention, the information input unit 465, in order to more easily process the process of identifying and extracting the payer information on the basis of the wired and wireless EBPP application information in the EBPP registration server 700, the payer (Or wired / wireless EBPP applicant) is preferably input to the resident registration number, in this case, the resident registration number of the payer (or wired and wireless EBPP applicant) is preferably included in the wired and wireless EBPP application information is transmitted to the EBPP registration server 700. Do.

The information generation unit 470 is a key input unit 420 in the process of paying bills defined in the financial automation device 400 while or after the financial automation device 400 performs a function of automatically storing utility bills. Billing agency number and electronic payment number included in the at least one storage information input through the), the payment means information obtained from the payer payment means through the card reader unit 410, and input through the information input unit 465 And generating predetermined EBPP application information including at least one of wireless terminal information and / or mail address information.

According to an embodiment of the present invention, the payer applies for a wireless EBPP service (eg, an EBPP service provided through a wireless terminal) through the EBPP application unit 460, and the payer wireless through the key input unit 420. When wireless terminal information (for example, a wireless terminal number) corresponding to a terminal (or a wireless terminal to which a wireless EBPP service is to be provided) is input, the information generator 470 is defined in the financial automation device 400. Billing agency number and electronic payment number included in the at least one or more storage information input through the key input unit 420 during the utility bill payment process, payment means information obtained from the payer payment means through the card reader 410, and the It is preferable to generate wireless EBPP application information including at least one of the radio terminal information input through the information input unit 465. In addition, the wireless terminal information may be used by the authentication processing unit 480 as a means for performing an authentication procedure for confidentiality, authentication, integrity and non-repudiation of the wired EBPP application of the payer.

According to another embodiment of the present invention, the payer applies for a wired EBPP service (eg, an EBPP service provided through e-mail) through the EBPP application unit 460, and predetermined wireless transmission through the key input unit 420. When terminal information (eg, a wireless terminal number) is input, the information generation unit 470 stores at least one or more accommodations input through the key input unit 420 during the bill payment process defined in the financial automation device 400. At least one billing agency number and electronic payment number included in the information, the payment means information obtained from the payer payment means through the card reader 410, and the wireless terminal information input through the information input unit 465 It is preferable to generate a wired EBPP application information that includes, and then the mail address information for the wired EBPP service is different from the wired EBPP application information. It is preferable to receive the input through the wireless terminal and transmit to the EBPP registration server 700. In addition, the wireless terminal information may be used by the authentication processing unit 480 as a means for performing an authentication procedure for confidentiality, authentication, integrity and non-repudiation of the wired EBPP application of the payer.

According to another exemplary embodiment of the present invention, the payer applies for a wired EBPP service (eg, an EBPP service provided by mail) through the EBPP application unit 460, and the payer through the key input unit 420. When mail address (or mail address to which wired EBPP service is to be provided) information is input, the information generator 470 is input through the key input unit 420 in the process of paying bills defined in the financial automation device 400. Billing agency number and electronic payment number included in the at least one stored information, payment means information obtained from the payer payment means through the card reader unit 410, and the mail address entered through the information input unit 465 It is preferable to generate wired EBPP application information including at least one information. At this time, the information input unit 465 may further receive the wireless terminal information of the payer for confidentiality, authentication, integrity and non-repudiation of the wired EBPP application of the payer, thereby the authentication processing unit 480 A predetermined authentication procedure may be performed through the payer wireless terminal.

According to the method of the present invention, when the resident registration number of the payer (or wired or wireless EBPP applicant) is further input by the information input unit 465, the information generation unit 470 is the inputted to the wired or wireless EBPP application information. It is preferable to further include the social security number of the payer (or wired or wireless EBPP applicant).

The information transmitter 475 transmits the generated EBPP application information through the communication unit 430 to a sales office of a storage bank equipped with the financial automation device 400 and / or a head office of the storage bank, and / or the storage. And to the EBPP registration server 700 provided in the bank's financial system and / or on a network interoperating with the bank's financial system.

The EBPP registration server 700 is characterized in that the utility bill is also connected to the receiver and a predetermined communication channel through a predetermined network 760 and / or communication means 760 in conjunction with the communication unit 430, Based on the billing agency number included in the EBPP application information, the billing agency information extracting a billing amount charged to the payer in connection with a predetermined billing agency D / B 755 is extracted, and the payment included in the EBPP application information. Extract the payer information from predetermined customer information D / B 750 based on the means information, and link the billing agency information, payer information and / or the payment means information with the wireless terminal information and / or email address information. It is characterized in that the processing to store in a predetermined storage medium (740).

The authentication processing unit 480 works in conjunction with the card reader unit 410 through the financial automation device 400 and / or in conjunction with a predetermined authentication server provided on a network, and / or the wireless terminal and In conjunction with the EBPP registration server 700, characterized in that for performing the authentication process for confirming the confidentiality, authentication, integrity and non-repudiation for the payer applying for wired and wireless EBBP service.

According to an exemplary embodiment of the present invention, when the card recognized through the card reader 410 is an IC card, the authentication processing unit 480 authenticates a predetermined validity of the IC card (for example, the predetermined card). IC card authentication process using PIN (Personal Identification Number), IC card authentication process provided in IC card, IC card authentication process using biometric information), the confidentiality, authentication, It is desirable to perform an authentication procedure to verify integrity and nonrepudiation.

According to another exemplary embodiment of the present invention, the authentication processing unit 480 receives the EBPP application information including the wireless terminal information after the wireless terminal information for the payer's wireless terminal is input through the information input unit 465. Is transmitted to the EBPP registration server 700, the key is generated when the predetermined authentication number is generated by the EBPP registration server 700 (or a server associated with the EBPP registration server 700) and transmitted to the wireless terminal, the key The confidentiality of the payer applying for the wired / wireless EBBP service by receiving the authentication number through the input unit 420 and transmitting the authentication number to the EBPP registration server 700 (or a server associated with the EBPP registration server 700). It is desirable to perform an authentication procedure to verify authentication, integrity, and nonrepudiation.

According to the implementation method of the present invention, the authentication processing unit 480 to facilitate the authentication process for confirming the confidentiality, authentication, integrity and non-repudiation for the payer applying for the wired and wireless EBBP service, the authentication procedure It is preferable to further receive the resident registration number for the payer (or wired or wireless EBPP applicant) during the transmission to the EBPP registration server 700 (or the server associated with the EBPP registration server 700).

According to another exemplary embodiment of the present invention, the authentication processing unit 480 is the payer (eg, a financial server or biometric authentication server associated with the EBPP registration server 700 (or EBPP registration server 700)) Predetermined biometric information corresponding to a customer who has issued the payment means from a financial institution), and / or the biometric device 400 includes a predetermined biometric device (not shown), The processor 480 may include biometric information (eg, fingerprint, hand shape, iris, voice, face, signature, retina, vein and / or deoxyribo nucleic acid) from the biometric device. Information, etc.) and read and transmit the information to the EBPP registration server 700 (or financial server or biometric authentication server associated with the EBPP registration server 700), thereby providing confidentiality for the payer applying for the wired / wireless EBBP service. Increases, it is preferable to perform the certification procedure for verifying the integrity and non-repudiation. Or, if the wireless terminal is provided with a predetermined one-time-password (OTP) generation function, based on the one-time password generation function provided in the wireless terminal (Time-Synchoronous) or challenge- It is desirable to ensure confidentiality, authentication, integrity and non-repudiation of the payer in accordance with at least one OTP authentication procedure of a challenge-response scheme. In addition to the above-described implementation method, various forms of authentication procedures for verifying confidentiality, authentication, integrity and non-repudiation of the payer applying for the wired / wireless EBBP service may be performed according to the intention of a person skilled in the art of implementing the present invention. The present invention is not limited thereby.

According to another embodiment of the present invention, the EBPP application unit 460 and / or information input unit 465 and / or information generation unit 470 and / or information transmission unit 475 and / or authentication processing unit 480 At least one of the functional components may be provided in the controller 405 in the form of an integrated chip containing at least one or more logic, and / or in the controller 405 in the form of a predetermined integrated program, thereby The present invention is not limited.

5 is a diagram illustrating a method of operating the financial automation device 400 according to another embodiment of the present invention.

In more detail, in FIG. 5, in the financial automation device 400 as shown in FIG. 4, at least one storing information is obtained from a billing institution number and an electronic payment number input through the key input unit 420, and the acquisition is performed. A predetermined payment amount (e.g., the total payment amount in which the payment amount included in the at least one or more storage information is summed) is calculated based on the received storage information, and through a predetermined payment means (e.g., a card having a payment means). As an example of an operation screen of the financial automation device 400 that processes the calculated payment amount and pays the payment amount included in the stored information, the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the Figure 5 it can be easily inferred each operation screen of the financial automation device 400 according to the intention of those skilled in the art, thereby This is not limited. In addition, a person having ordinary knowledge in the technical field to which the present invention belongs can easily infer the respective information obtained from each operation screen through the operation screen of the financial automation device 400 illustrated in FIG. There will be.

5A is an initial screen of the financial automation device 400, wherein the financial transaction customer is provided with at least one financial service that can be provided through the financial automation device 400 and a giro / bill payment service according to the present invention. When a predetermined service is selected from the drawings, referring to (b) of FIG. 5, the financial transaction customer selects a giro / bill payment service according to the present invention on the initial screen.

Referring to (b) of FIG. 5, the financial automation device 400 provides a cash card, a payment card, to the financial transaction customer (or payer) for the giro / utility payment service according to the present invention through the financial automation device 400. Requests predetermined payment means information from a payment means including at least one of a debit card, bank account, credit card, check card, electronic money, etc., and the payer pays cash card number, debit card number, account corresponding to the payment method. It provides the financial automation device 400 with payment means information including at least one of a number, a credit card number, a check card number, and electronic money information.

Subsequently, the financial automation device 400 selects a predetermined branch / bill type to be paid by the payer from among a plurality of branches / bill types as shown in (c) of FIG. 5, and the payer selects a predetermined branch / bill. When the type is selected, the financial automation device 400 requests to input a billing institution number (eg, a Giro number) and an electronic payment number printed on a document corresponding to the Jiro / utility bill as shown in (d) of FIG. 5. .

When the payer inputs a billing institution number (e.g., a giro number) and an electronic payment number as shown in (d) of FIG. 5, the financial automation device 400 may display a predetermined database (e.g., e) in FIG. A billing institution number (eg, a Giro number) from a database provided in the KFTC, or a database provided in each billing institution corresponding to a billing institution number, or a database provided in a financial institution linked to the KFTC / billing institution. And prints the payment details corresponding to the electronic payment number and requests payment processing for the payment details.

If the payer selects payment as shown in (e) of FIG. 5, the financial automation device 400 calculates the total payment amount (payment amount) corresponding to the payment details as shown in FIG. When the payer requests payment processing (or payment processing) for the total payment amount (payment amount), the financial automation device 400 performs payment processing for the total payment amount (payment amount) corresponding to the payment details. Processing is carried out through the branch / utility bill processing system shown in FIG.

6 is a diagram illustrating a giro / utility bill processing system according to an embodiment of the present invention.

In more detail, FIG. 6 is based on the utility bill acceptor 100 shown in FIG. 1 and / or the financial automation device 400 shown in FIG. 4, or an OCR form, or a flat OCR form, or a MICR form. As illustrated by the method of processing the Jiro / utility bill for the most commonly used standard OCR form among the chapter A, or the standard OCR form, those of ordinary skill in the art to which the present invention belongs, will be described with reference to FIG. In addition to the standard OCT form, the Jiro / bill processing method corresponding to the OCR form, the fixed OCR form, the MICR form, or the A form will be easily understood, and a detailed description thereof will be omitted for convenience.

The standard OCR form corresponding to FIG. 6 standardizes various forms stored in a financial institution, and processes business only by moving information without moving the actual form. It is a form introduced to convert, consisting of 66 lines of red bands in 2 lines of computer processing part, OCR character of billing agency number (jiro number), payer number (customer reference number), delivery date, amount before and after delivery It is characterized in that the print.

Referring to FIG. 6, a predetermined billing institution provides predetermined settlement information corresponding to the document to the financial settlement agency before delivering (or sending) the document to at least one or more customers, and thereafter at least including the storing information. Deliver (or deliver) one or more vouchers to each payer, the payer having the voucher within or after the delivery date imprinted on the voucher, carrying the voucher and visiting a storage location of a given bank, Through the provided automatic bill acceptor 100 and / or financial automation device 400 to pay the amount of payment printed in the bill through the same procedure as in Figure 3 and / or Figure 5, and the bill automatic bill acceptor 100 And / or the financial automation device 400 provides the payer with a predetermined receipt corresponding to the branch / utility payment.

Thereafter, the storage point is a time (for example, storage day 22:00, storage date 22:00, the storage bill (eg, the bill image) and the giro calendar paid through the utility bill acceptor 100 and / or the financial automation device 400) 19:00) to the payment center where the storage point is located, and the payment base unit provides the storage information to the financial settlement center until the prescribed time (for example, storage date + 20:00 a day).

Further, the storage point provides the storage information to the head office (or headquarters computer system) of the storage bank through a financial system (eg, a giro system provided in the financial system) provided in the storage bank. The accommodation information is provided to the financial settlement provider until a prescribed time (for example, storage date + 2 days 20:00).

The KFTC, having received the storage information, provides the collection information corresponding to the collected storage information to the billing institution until the prescribed time (for example, storage date + 2 days 08:00).

If there is no objection to the collection information from the claimant, the KFTC shall open a payment account (eg, a financial account for depositing the collection amount of the claimant) by the prescribed time (for example, receipt date + 3 days). Bank) to provide the payment data corresponding to the collection information, and to request a difference payment between the receiving bank and the paying bank for the payment data through the Bank of Korea, whereby the receiving bank and the paying bank By performing the difference payment on the payment data within a time (eg, a storage date + 3 days), the branch / bill processing through the utility bill acceptor 100 and / or the financial automation device 400 is completed.

On the other hand, if the objection to the collection information is raised from the claimant, the claimant provides the financial settlement agency with a predetermined error history by a prescribed time (for example, date of receipt + 3 days 08:00), and the finance The KFTC provides the error history to the storage bank by the prescribed time (e.g., storage day + 3 days 10:00), and the storage bank provides the error history within the prescribed time (e.g., storage day + 3 days). Provide to the storage point. Thereafter, the storage point generates correction details corresponding to the error details through a bill image and / or a physical bill stored in the utility bill acceptor 100, and stores the correction points up to a prescribed blind spot (eg, storage date + 3 days). The bank provides the correction details to the financial settlement clerk until the prescribed time (for example, storage date + 2 days 20:00). Thereafter, the KFTC provides the correction to the billing institution up to the prescribed time (for example, 08:00 on the day of receipt + 4 days). If there is no objection to the correction, the KFTC provides the payment bank with the payment data corresponding to the collection information, and the difference between the receiving bank and the payment bank for the payment data through the Bank of Korea. By requesting a payment and processing the difference payment by the receiving bank and the paying bank, the branch / bill processing through the utility bill acceptor 100 and / or the financial automation device 400 is completed.

7 is a diagram illustrating a wired and wireless EBPP automatic application system according to an embodiment of the present invention.

In more detail, FIG. 7 shows the automatic bill acceptor 100 shown in FIG. 1 and / or the financial automated device 400 shown in FIG. 4, the automatic bill acceptor 100 and / or the financial automated device 400 shown in FIG. 4. In the Jiro / utility bill processing system shown in Figure 6, including a), receives the wired and wireless EBPP application information from the utility bill acceptor 100 and / or financial automation device 400, the wired and wireless EBPP application In the wired / wireless EBPP automatic spring system, the information is read and stored in a predetermined storage medium 740 by linking and storing billing agency information, payer information, and / or wireless terminal information and / or mail address information for wired and wireless EBPP. As a preferred embodiment of the present invention, those skilled in the art to which the present invention pertains can refer to and / or modify the present invention with reference to FIG. Various implementation methods for the wired / wireless EBPP automatic application system according to various intentions may be easily inferred, but the present invention is not limited thereto.

For example, in FIG. 7, the customer information D / B 750 and the billing agency D / B 755 are included in the receiving bank side financial system, but according to the intention of the person skilled in the art and / or the information sharing policy of the claim institution. The customer information D / B 750 may be provided in a billing institution in association with a predetermined payer number and customer information. In addition, the claim agency D / B 755 may also be present in the financial settlement agency according to the intention of the skilled person, and / or omitted according to the information sharing policy of the claim authority. However, it is to be clearly understood that the present invention includes, but is not limited to, various implementation methods which are implemented by referring to and / or modifying this drawing 7 in accordance with the intention of those skilled in the art and / or the information sharing policy of participating organizations. It is. Hereinafter, for convenience, the utility bill acceptor 100 and / or the financial automation device 400 is referred to as "book terminal".

Referring to FIG. 7 according to a preferred embodiment of the present invention, the wired / wireless EBPP automatic application system is connected to a predetermined branch / bill processing system and performs at least one journal terminal and a bill processing terminal, and the chapter EBPP registration server 700 connected to the terminal through a predetermined network 760 and / or communication means 760, and customer information D connected to the EBPP registration server 700 through a predetermined interface means 745 / B 750 and billing agency D / B (755), and the storage medium 740 for storing the predetermined billing agency information and payer information in association with the predetermined wireless terminal information and / or email address information.

The journal terminal includes at least one utility bill automatic receiver 100 shown in FIG. 1 and / or at least one financial automation device 400 shown in FIG. 4, and includes a predetermined network 760 and / or communication means. The EBPP registration server may include wired / wireless EBPP application information including at least one billing agency number, payer number, payment method information, and wireless terminal information and / or e-mail address information for providing wired and wireless EBPP through 760. It is characterized in that provided in (700), the detailed description of the long-terminal terminal with reference to Figures 1 and 4, the detailed description thereof will be omitted in this figure.

In the method shown in FIG. 7, the customer information D / B 750 is provided in the banking system of the receiving bank, and the receiving bank issues a card with a predetermined payment means to the payer (or financial transaction customer). And / or in the process of opening a financial account (or issuing a bank account), the payment means information (or financial account information) and customer information for the financial transaction customer (e.g., customer's name, social security number, address and mobile phone number / Contact information including an e-mail address), and the like, wherein the EBPP registration server 700 stores the customer information based on payment means information included in wired / wireless EBPP application information received from the ticket terminal. It is characterized in that the customer information for the payer (or financial transaction customer) from the D / B (750) to check and / or extract. In this case, when the EBPP registration server 700 is included in the receiving bank side financial system, the interface means 745 may include the customer information D / B 750 and the EBPP registration server 700 in the receiving bank side financial system. ) Provides a server-DB interworking means for interworking internally. Alternatively, when the EBPP registration server 700 is interlocked with the receiving bank side financial system outside the receiving bank side financial system, the interface means 745 connects the customer information D / B 750 with the customer information through a predetermined network. It provides a network means for interworking the EBPP registration server 700.

According to another exemplary embodiment of the present invention, the customer information D / B 750 receives a predetermined payer number and corresponding payer information from each billing institution, and associates the payer number and the payer information to process the storage. It is possible to be provided in the banking system and / or in the wired and wireless EBPP system (not shown), the EBPP registration server 700 is based on the payer number included in the wired and wireless EBPP application information provided from the ticket terminal It is possible to confirm and / or extract payer information for the payer from the customer information D / B 750.

According to another embodiment of the present invention, the customer information D / B 750 may be provided in each billing institution, wherein the EBPP registration server 700 is a wired or wireless EBPP application provided from the billing terminal It is possible to confirm and / or extract payer information for the payer from the customer information D / B 750 provided in each billing institution on the basis of the payer number included in the information.

In the method shown in FIG. 7, the billing institution D / B 755 is provided in the banking system of the receiving bank, and is provided to the at least one payer through a predetermined form from the financial settlement agency included in the branch / bill processing system. At least one claimant information (e.g., name, address, business registration number / corporate registration number, service, etc.) claiming the payment amount, and a claimant number (e.g., a Giro number and / or And collect and store the collection agency number and / or the publication number, etc.), and / or receive and collect the respective billing agency information and the billing agency number from each claimant, The EBPP registration server 700 is based on the billing agency number included in the wired and wireless EBPP application information received from the bill terminal, the billing authority It is characterized in that the billing agency information for the claimant from the D / B (755) and / or extracts. At this time, when the EBPP registration server 700 is included in the receiving bank side financial system, the interface means 745 is the billing authority D / B 755 and the EBPP registration server 700 in the receiving bank side financial system. ) Provides a server-DB interworking means for interworking internally. Alternatively, when the EBPP registration server 700 is interlocked with the receiving bank side financial system outside the receiving bank side financial system, the interface means 745 connects with the billing institution D / B 755 through a predetermined network. It provides a network means for interworking the EBPP registration server 700.

According to another exemplary embodiment of the present invention, when it is possible to receive real-time billing agency information based on the billing institution number from the financial settlement agency and / or each billing institution, the billing institution D / B 755 May be omitted, and the present invention is not limited thereto.

Referring to FIG. 7, the EBPP registration server 700 includes at least one billing agency number, payer number, payment means information, and the like from the journal terminal through a predetermined network 760 and / or communication means 760. An information receiving unit 715 for receiving wired / wireless EBPP application information including at least one of wireless terminal information and / or e-mail address information for providing wired / wireless EBPP, and the customer information D / B 750 based on the wired / wireless EBPP application information. Information confirmation unit 705 for confirming predetermined payer information in conjunction with the billing authority, and / or confirming predetermined billing agency information in conjunction with the billing institution D / B 755, and the customer information D / B ( An information extraction unit 710 for extracting the confirmed payer information from 750 and / or extracting the confirmed billing agency information from the billing institution D / B 755, the billing institution information, the payer information, and the like. / Or payments The information storage unit 720 is characterized in that the information storage unit 720 is stored in a predetermined storage medium 740 by linking the terminal information and / or mail address information for providing the wired / wireless EBPP. It is preferable to further include a payer authentication unit 730 for performing an authentication procedure for confidentiality, authentication, integrity and non-repudiation of the payer applying for the wired and wireless EBPP service in connection with.

According to an embodiment of the present invention, the EBPP registration server 700 is a mobile terminal information (or mobile phone number of the customer (or payer) extracted from the customer information D / B 750) included in the wired and wireless EBPP application information. On the basis of this, the authentication procedure for the payer (or wired / wireless EBPP applicant) is performed through the wireless terminal of the payer (or wired / wireless EBPP applicant) in conjunction with the payer authentication unit 730, and / or the information receiving unit ( And a wireless processing unit 735 for receiving mail address information in a text form from the wireless terminal of the payer (or wired EBPP applicant) in connection with 715.

The information receiving unit 715 is characterized in that the communication channel and the communication terminal provided in at least one or more storage points and / or public places through a predetermined network 760 and / or communication means 760, Obtained from at least one billing institution number and payer number included in the receipt information corresponding to the at least one document from the journal terminal through a communication channel, from the payment means of the payer for processing of the bills and bills for the journal at the journal terminal. It is characterized in that for receiving the wired and wireless EBPP application information including at least one payment means information, and wireless terminal information and / or mail address information received for providing wired and wireless EBPP.

According to another embodiment of the present invention, the wired / wireless EBPP application information received through the information receiving unit 715 when the payer number and predetermined payer information are stored in association with the customer information D / B 750. In the payment means information may be omitted. In addition, when using the mobile number of the customer (or payer) of the customer information (or payer information) stored in the customer information D / B 750 as the wireless terminal information for wired and wireless EBPP application, the information receiving unit The wireless terminal information may be omitted from the wired / wireless EBPP application information received through 715. Further, when using the mail address of the customer (or payer) of the customer information (or payer information) stored in the customer information D / B 750 as the mail address information for the wired EBPP application, the information The mail address information may be omitted from the wired / wireless EBPP application information received through the reception unit 715.

According to another exemplary embodiment of the present invention, a social security number for the payer (or a wired / wireless EBPP applicant) may be received from the journal terminal through the information receiver 715 in the wired / wireless EBPP application information. In this case, the information checking unit 705 and / or the information extracting unit 710 may more effectively confirm the payer (or wire / wireless EBPP applicant) through the social security number, and / or extract the payer information. Thereby, this invention is not limited.

As shown in FIG. 7, when the payment means information and the customer information (or payer information) are stored in association with the customer information D / B 750, the information checking unit 705 is the information receiving unit 715. Based on the payment method information for the payer (or wired / wireless EBPP applicant) included in the wired / wireless EBPP application information received through), the customer information (or payer information) for the payer is added to the customer information D / B 750. It is characterized by checking whether it is stored. In addition, when the wired / wireless EBPP application information includes a resident registration number for the payer (or wired / wireless EBPP applicant), the information checking unit 705 may include the resident registration number and the confirmed customer information included in the wired / wireless EBPP application information (or By comparing the social security number included in the payer information, it is preferable to perform a procedure for authenticating the validity of the payer (or wired / wireless EBPP applicant).

According to another embodiment of the present invention, when the payer number and the payer information are stored in association with the customer information D / B 750, the information checking unit 705 is received through the information receiving unit 715. The payer information associated with the payer number is stored in the customer information D / B 750 based on the payer number included in the wired / wireless EBPP application information. If the payer information includes the payer resident registration number, and the wire / wireless EBPP application information received through the information receiver 715 includes the resident registration number for the payer (or wire / wireless EBPP applicant), the information confirmation unit ( 705 may compare the resident registration number included in the wired / wireless EBPP application information with the resident registration number included in the payer information to perform a procedure for authenticating the validity of the payer (or wired / wireless EBPP applicant).

In addition, as shown in FIG. 7, when a predetermined billing agency number and billing agency information are stored in association with the billing institution D / B 755, the information checking unit 705 is the information receiving unit 715. On the basis of the billing agency number included in the wired / wireless EBPP application information received through the billing agency D / B (755) characterized in that the billing agency information associated with the billing agency number is stored.

The verification result confirms that valid customer information (or payer information) is stored in the customer information D / B 750, and / or valid billing agency information is stored in the billing institution D / B 755. In this case, the information extraction unit 710 extracts the confirmed valid customer information (or payer information) from the customer information D / B 750, and / or the confirmation from the billing agency D / B 755. Extracting valid claimant information.

According to an embodiment of the present invention, the extracted valid customer information (or payer information) includes a payer number for the customer, and / or the customer information (or payer information) in the EBPP registration server 700. It is preferable to add the payer number to In addition, it is preferable that the extracted valid claimant information includes a claimant number for the claimant, and / or adds the claimant number to the claimant information in the EBPP registration server 700. .

The payer authentication unit 730 is characterized by performing a payer authentication procedure to secure confidentiality, authentication, integrity and non-repudiation of the payer (or wired or wireless EBPP applicant) in connection with the pay terminal.

According to another embodiment of the present invention, when the payer authentication process is processed and completed inside the pay terminal, the payer authentication unit 730 may be omitted. In addition, when the payer authentication process is processed in a separate authentication server other than the EBPP registration server 700, the payer authentication server may be provided in the authentication server, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the payer authentication unit 730 generates a predetermined authentication number, and the payer extracted from the wireless terminal information (or customer information D / B 750) included in the wired and wireless EBPP application information. (Or the mobile number of the wired / wireless EBPP applicant), after transmitting the generated authentication number to the wireless terminal of the payer (or wired / wireless EBPP applicant), waiting for the authentication number to be received from the journal terminal. When a predetermined authentication number is received from the journal terminal, it is preferable to secure the confidentiality, authentication, integrity and nonrepudiation of the payer by comparing the authentication number sent to the wireless terminal with the received authentication number.

According to another exemplary embodiment of the present invention, when the wireless terminal is provided with a predetermined one-time-password (OTP) generation function, the payer authentication unit 730 is provided with the one-time password provided in the wireless terminal. It is desirable to ensure confidentiality, authentication, integrity and non-repudiation of the payer in accordance with at least one OTP authentication procedure of a time-synchoronous or challenge-response scheme using the generation function.

According to another exemplary embodiment of the present invention, the payer authentication unit 730 receives predetermined biometric information from the journal terminal, and links the biometric information with a predetermined biometric information D / B (not shown). By authenticating, it is possible to secure confidentiality, authentication, integrity and non-repudiation of the payer, and in addition to performing a variety of payer authentication procedures in accordance with the intention of those skilled in the art, the present invention is not limited thereto.

The wireless processor 735 is based on the wireless terminal information (or mobile phone number of the customer (or payer) extracted from the customer information D / B 750) included in the wired and wireless EBPP application information, the payer authentication unit 730 ) And an authentication procedure for the payer (or wired or wireless EBPP applicant) through a wireless terminal of the payer (or wired or wireless EBPP applicant) connected to a predetermined wireless communication network.

In addition, the wireless processing unit 735 is based on the wireless terminal information (or mobile phone number of the customer (or payer) extracted from the customer information D / B 750) included in the wired and wireless EBPP application information, the information receiving unit ( In operation 715, the mail address information in the form of text is received from the wireless terminal of the payer (or wired EBPP applicant) connected to a predetermined wireless communication network.

According to an embodiment of the present invention, the payer (or wired or wireless EBPP applicant) wireless terminal is a code division multiple access (CDMA) based mobile communication terminal, and / or an IEEE 802.16 based mobile Internet terminal, and / or Motorola's DataTAC Or at least one wireless data communication terminal based on Erricson's Mobitex system, wherein the wireless communication network is a CDMA-based mobile communication network, and / or an IEEE 802.16 high-speed wireless Internet communication network, and / or DataTAC / It is preferable to include at least one or more Mobitex-based wireless data communication network.

The customer receives the wired / wireless EBPP application information from the journal terminal through the information receiving unit 715 (and / or the wireless processing unit 735), and corresponds to the wired / wireless EBPP application information through the information checking unit 705. Information (or payer information) and / or billing agency information is verified and the authentication process for the payer (or wired or wireless EBPP applicant) is completed through the payer authentication unit 730 (and / or wireless processing unit 735). The information storage unit 720 may perform the information extraction unit 710 on the basis of the wired / wireless EBPP application information received from the document terminal through the information receiving unit 715 (and / or the wireless processing unit 735). The billing agency information extracted from the billing agency D / B 755, the payer information extracted from the customer information D / B 750, and / or the payment means information included in the wired / wireless EBPP application information, The information receiving unit 715 (and / Or wireless terminal information of the payer (or wired / wireless EBPP applicant) received from the ticket terminal through the wireless processing unit 735 (or included in the customer information (or payer information) extracted through the information extraction unit 710). And / or store the data in a predetermined storage medium 740 in association with the mail address information.

When the payer (or wired or wireless EBPP applicant) applies for wireless EBPP service according to an embodiment of the present invention, the information storage unit 720 is the billing institution information and payer information and / or the payment means information the payer (Or wired / wireless EBPP applicant) is preferably stored in a predetermined storage medium 740 in association with the radio terminal information.

According to another embodiment of the present invention, when the payer (or wired / wireless EBPP applicant) applies for wired EBPP service, the information storage unit 720 stores the billing institution information, the payer information, and / or the payment means information. It is preferable to store the data in a predetermined storage medium 740 in connection with the mail address information of the payer (or wired / wireless EBPP applicant), and according to the intention of the person skilled in the art, It is possible to further store the radio terminal information.

Thereafter, the billing institution information, the payer information, the payment means information, the wireless terminal information, and / or the e-mail address information stored in association with the storage medium 740 are stored in a predetermined EBPP system (not shown). Wired and wireless EBPP applicant) is used to provide a wireless EBPP service using the wireless terminal information, and / or a wired EBPP service using the mail address information. For example, the EBPP system (not shown) is provided with a predetermined electronic journal including the billing institution information and the payer information from at least one billing institution, and the electronic bill is stored through the wireless terminal information and / or e-mail address information. It may be provided to the payer (or wired / wireless EBPP applicant), and the billing / bill payment processing may be performed on the storage information included in the electronic journal based on the payment means information.

According to another embodiment of the present invention, the EBPP system (not shown) provides only the service for providing the electronic voucher to the payer (or wired / wireless EBPP applicant) through the wireless terminal information and / or mail address information, The information storage unit 720 does not perform the giro / utility payment processing for the stored information included in the electronic slip, and / or performs the giro / utility payment processing through other payment means other than the payment means information. ) May omit storing the payment means information in the storage medium 740, thereby the present invention is not limited.

8 is a diagram illustrating a process of applying for a wireless EBPP service in a journal terminal according to an embodiment of the present invention.

In more detail, FIG. 8 shows a billing agency number, a payer number, payment method information, and a predetermined wireless service for providing a wireless EBPP service. The present invention relates to an embodiment of generating wireless EBPP application information including terminal information and transmitting to the EBPP registration server 700 to apply for the wireless EBPP service, and a person having ordinary knowledge in the art to which the present invention pertains. 8 and / or modified to generate the wireless EBPP application information including the billing agency number, payer number, payment means information and wireless terminal information in the bill terminal, and to the EBPP registration server 700. It will be possible to infer various implementation methods for transmitting wireless EBPP service by applying, and the present invention is limited by the other implementation methods inferred. It does.

Referring to FIG. 8, the long term terminal is the same as FIG. 3 and / or FIG. 5 before, during, or after the payment process. Output a predetermined wireless EBPP application menu as shown in 12 (A) (800), or output a predetermined wireless EBPP application screen as shown in (B) of FIG. 11 and / or (12) (800) In operation 805, the payer confirms whether to apply for the wireless EBPP.

According to the method of the present invention, the payer terminal works in conjunction with the storage medium 740 in the process of performing the branch / utility bill payment process as shown in FIGS. 3 and / or 5. It is possible to selectively output an EBPP application menu and / or a wireless EBPP application screen as described above only if the payer has already applied for the EBPP service and the payer has not applied for the wireless EBPP service, thereby limiting the present invention. Not.

If the payer does not apply for the wireless EBPP service (810), the chief terminal performs the branch / bill payment process as shown in Figure 3 and / or 5 (815), the wireless EBPP application process according to the present invention To exit.

On the other hand, if it is confirmed that the payer is applying for the wireless EBPP service (810), the pay terminal outputs an interface screen for inputting wireless terminal information as shown in (a) of FIG. 13 (820), and wirelessly from the payer. Receives predetermined radio terminal information for receiving an EBPP service.

If the wireless terminal information input is confirmed (825), the terminal terminal is billing agency number, payer number and payment means information obtained during the process of payment of bills and bills as shown in Figure 3 and / or 5, and 13 generates predetermined wireless EBPP application information including inputted radio terminal information as shown in FIG. 13A, and converts the generated wireless EBPP application information into a predetermined network 760 and / or communication means ( 760) and transmits to the EBPP registration server (835).

Subsequently, the EBPP registration server 700 receives the wireless EBPP application information transmitted from the bill terminal, and transmits the wireless information from the customer information D / B 750 based on payment means information included in the wireless EBPP application information. Confirm payer information for the payer applying for EBPP and / or verify the claimant information from the claimant D / B 755 based on the claimant number included in the wireless EBPP application information (840) .

If valid payer information and / or billing authority information is not confirmed as a result of the verification (845), the EBPP registration server 700 generates a predetermined wireless EBPP application error message and transmits it to the document terminal (850). The wireless EBPP application procedure according to the invention is terminated.

On the other hand, if the valid payer information and / or billing agency information is confirmed as a result of the check (845), the EBPP registration server is based on the received wireless EBPP application information, as shown in Figure 9, the billing information and payer information and payment means The process of storing the information and the wireless terminal information in association with the predetermined storage medium 740.

9 is a diagram illustrating a method for storing wireless EBPP application information according to an embodiment of the present invention.

In more detail, FIG. 9 is based on the received wireless EBPP application information in the EBPP registration server 700 which has received the wireless EBPP application information from the predetermined billing terminal through the same process as in FIGS. 8 and / or 10. Claims information, payer information, payment means information and wireless terminal information is processed in connection with one embodiment of a method for storing in a predetermined storage medium 740, if one of ordinary skill in the art to which the present invention belongs, Referring to FIG. 9 and / or modified, the EBPP registration server 700 processes the billing institution information, the payer information, the payment means information, and the wireless terminal information in association with each other and stores them in a predetermined storage medium 740. The implementation method may be inferred, and the present invention is not limited by the other inference method. For example, in FIG. 9, a wireless authentication procedure using a predetermined authentication number is used to secure confidentiality, authentication, integrity, and nonrepudiation of the payer (or wireless EBPP applicant). However, the authentication procedure is different depending on the intention of those skilled in the art. An authentication method may be used, and the present invention is not limited thereto.

Referring to FIG. 9, when the wireless EBPP application information received from the journal terminal is received through the same process as that of FIG. 8, and valid payer information and / or billing authority information is confirmed based on the wireless EBPP application information, EBPP registration server 700 generates an authentication number for a predetermined EBPP application authentication to secure confidentiality, authentication, integrity and nonrepudiation for the payer (or wireless EBPP applicant) (900), the generated EBPP application authentication Whether the EBPP application authentication number transmitted to the wireless terminal is input and received through the wireless terminal information included in the EBPP application information to the wireless terminal (905). Confirm (915).

If the EBPP application authentication authentication number is received from the communication terminal (920), the EBPP registration server 700 for the EBPP application authentication authentication number received from the communication terminal and the EBPP application authentication transmitted to the wireless terminal. By comparing the authentication number, the validity of the wireless EBPP service request is verified (925).

If the validity of the wireless EBPP service request is not authenticated (930), the EBPP registration server 700 generates a predetermined wireless EBPP application error message and transmits it to the journal terminal (935), thereby wirelessly according to the present invention. Complete the EBPP application process.

On the other hand, if the validity of the wireless EBPP service request is authenticated (930), the EBPP registration server 700 extracts the payer information associated with the payment means information from the customer information D / B (750), the billing institution Extract the billing agency information associated with the billing agency number from the D / B (755), and stores the extracted billing agency information, payer information, payment means information and wireless terminal information in a predetermined storage medium 740 (940).

10 is a diagram illustrating a process of applying for a wireless EBPP service in a journal terminal according to another embodiment of the present invention.

In more detail, in FIG. 10, when the payer information stored in the customer information D / B 750 includes predetermined wireless terminal information, the branch terminal / bill payment is the same as that of FIGS. 3 and / or 5 in the bill terminal. After generating the wireless EBPP application information including the billing agency number, the payer number, and payment means information obtained in the process to the EBPP registration server 700, the EBPP registration server 700 requests the wireless EBPP application The present invention relates to a method for applying for the wireless EBPP service on the basis of predetermined wireless terminal information identified based on information, and a person skilled in the art may refer to FIG. Or modify and generate wireless EBPP application information including the billing agency number, payer number, payment means information, and / or wireless terminal information in the journal terminal. Transmitted to the rock server 700 will be able to infer a variety of exemplary ways to apply the wireless EBPP service, to which the present invention is not limited to an exemplary way in which the inference.

Referring to FIG. 10, the long term terminal may be the same as FIG. 3 and / or FIG. 5 before, during, or after the payment process. Output a predetermined wireless EBPP application menu as shown in (a) of FIG. 12 (1000) or output a predetermined wireless EBPP application screen as shown in (b) of FIG. 11 and / or (b) of FIG. In operation 1005, the wireless EBPP application is confirmed from the payer.

According to the method of the present invention, the payer is linked with the storage medium 740 in the process of performing the billing / bill payment process as shown in FIGS. 3 and / or 5, and the payer according to the present invention is a wireless EBPP. It is possible to selectively output the wireless EBPP application menu and / or the wireless EBPP application screen as described above only when the service provider has already subscribed to the service and the payer has not applied for the wireless EBPP service, thereby limiting the present invention. No.

If the payer does not apply for the wireless EBPP service (1010), the pay terminal performs the branch / bill payment process as shown in Figures 3 and / or 5 (1015), and the wireless EBPP application process according to the present invention. To exit.

On the other hand, if it is confirmed that the payer is applying for the wireless EBPP service (1010), the pay terminal is provided with the billing agency number and the payer number obtained during the branch / bill payment process as shown in FIGS. 3 and / or 5. Generates predetermined wireless EBPP application information including payment means information (1020), and transmits the generated wireless EBPP application information to the EBPP registration server through the predetermined network 760 and / or the communication means 760 ( 1025).

Subsequently, the EBPP registration server 700 receives the wireless EBPP application information transmitted from the bill terminal, and transmits the wireless information from the customer information D / B 750 based on payment means information included in the wireless EBPP application information. Confirm payer information for the payer applying for EBPP and / or verify the claimant information from the claimant D / B 755 based on the claimant number included in the wireless EBPP application information (1030) .

If valid payer information and / or billing authority information is not confirmed (1035), the EBPP registration server 700 generates a predetermined wireless EBPP application error message and transmits it to the journal terminal (1040). The wireless EBPP application procedure according to the invention is terminated.

On the other hand, if the valid payer information and / or billing agency information is confirmed as a result of the check (1035), the EBPP registration server extracts the predetermined wireless terminal information (eg, mobile phone number) included in the confirmed payer information to the pay terminal To the server (1045).

Thereafter, the billing terminal receives and outputs the radio terminal information, and receives new wireless terminal information for EBPP application for receiving a predetermined wireless EBPP service or receiving wireless EBPP service using the received radio terminal information. A request is made to select whether to enter (1050).

If it is confirmed that a predetermined wireless EBPP service is provided through the received wireless terminal information (1055), the bearer terminal receives a predetermined wireless EBPP service through the received wireless terminal information (or the received wireless terminal information). Information to approve to be provided) is transmitted to the EBPP registration server 700 (1060), and then the EBPP registration server 700 is based on the received wireless EBPP application information through the process as shown in FIG. The predetermined billing agency information, the payer information, the payment means information, and the wireless terminal information are processed in association with each other to store in the predetermined storage medium 740.

If it is confirmed that a predetermined wireless EBPP service is provided through the new wireless terminal information in addition to the received wireless terminal information (1055), the billing terminal is a new wireless terminal for the wireless EBPP application as shown in FIG. An interface screen for inputting information is output (1065).

On the other hand, when the new wireless terminal information for the wireless EBPP application is input in the charging terminal (1070), the charging terminal transmits the new wireless terminal information for the wireless EBPP application to the EBPP registration server 700 (1075). Afterwards, the EBPP registration server 700 performs a predetermined process by linking predetermined billing agency information, payer information, payment method information, and wireless terminal information based on the received wireless EBPP application information through the process as shown in FIG. 9. Storing in the storage medium 740 of FIG.

14 is a diagram illustrating a process of applying for a wired EBPP service in a journal terminal according to an embodiment of the present invention.

More specifically, Figure 14 shows a billing agency number, payer number, payment method information, and wired EBPP service obtained in the process of paying bills and bills as shown in FIGS. The present invention relates to a method for applying for wired EBPP service by generating wired EBPP application information including predetermined e-mail address information for providing and transmitting the wired EBPP registration server 700 to the EBPP registration server 700. If the person skilled in the art can refer to and / or modify this drawing 14 to generate the wired EBPP application information including the billing agency number, payer number, payment method information, and e-mail address information in the journal terminal. It will be possible to infer various implementation methods for applying for wired EBPP service by transmitting to the registration server 700, and other implementation methods inferred The present invention is not limited by the law.

Referring to FIG. 14, the long term terminal is the same as FIG. 3 and / or FIG. 5 before, during, or after the payment process. Output a predetermined wired EBPP application menu as shown in 12 (A) (1400), or output a predetermined wired EBPP application screen as shown in (C) in FIG. 11 and / or (C) in FIG. In operation 1405, the wired EBPP application is confirmed from the payer.

According to the method of the present invention, the payer is linked with the storage medium 740 in the process of performing the billing / bill payment process as shown in FIGS. 3 and / or 5, and the payer is wired EBPP according to the present invention. It is possible to selectively output the wired EBPP application menu and / or the wired EBPP application screen as described above only when the service provider has already applied for the service and the payer does not apply for the wired EBPP service, thereby limiting the present invention. No.

If the payer does not apply for the wired EBPP service (1410), the pay terminal performs the branch / bill payment process as shown in Figs. 3 and / or 5 (1415), and the wired EBPP application process according to the present invention. To exit.

On the other hand, if it is confirmed that the payer is applying for the wired EBPP service (1410), the payee terminal outputs an interface screen for inputting e-mail address information as shown in (b) of FIG. 13 (1420), and the wired from the payer Receives predetermined e-mail address information for receiving the EBPP service.

According to an embodiment of the present invention, in the process of receiving the mail address information for the wired EBPP application, a predetermined procedure is performed as shown in FIG. 13A to easily perform the authentication process for the payer (or wired EBPP applicant). It is possible to further receive the radio terminal information of, in this case, the radio terminal information is included in the wired EBPP application information is transmitted to the EBPP registration server 700, whereby the present invention is not limited.

If the e-mail address information input is confirmed (1425), the chief terminal terminal is the billing agency number, payer number and payment means information obtained during the process of payment of bills such as Figures 3 and / or 5, and In step 1430, predetermined wired EBPP application information including mail address information inputted as shown in (a) of FIG. 13 is generated, and the generated wired EBPP application information is transmitted to a predetermined network 760 and / or communication means ( 760) (1435) to the EBPP registration server.

Thereafter, the EBPP registration server 700 receives the wired EBPP application information transmitted from the ticket terminal, and the wired from the customer information D / B 750 based on the payment means information included in the wired EBPP application information. Check the payer information for the payer applying for EBPP and / or check the claimant information from the claimant D / B 755 based on the claimant number included in the wired EBPP application information (1440) .

If the validity checker information and / or billing authority information is not confirmed (1445), the EBPP registration server 700 generates a predetermined wired EBPP application error message and transmits it to the document terminal (1450). Terminate the wired EBPP application process according to the invention.

On the other hand, if the valid payer information and / or billing agency information is confirmed as a result of the check (1445), the EBPP registration server is based on the received wired EBPP application information as shown in Figure 15, the predetermined billing agency information, payer information and payment means The process of storing the information and the mail address information in association with the predetermined storage medium 740.

15 is a diagram illustrating a wired EBPP application information storing method according to an embodiment of the present invention.

In more detail, in the case where predetermined wireless terminal information is included in the payer information stored in the customer information D / B 750, FIG. 15 is obtained from a predetermined terminal terminal through the same process as in FIG. 14 and / or FIG. On the basis of the received wired EBPP application information, the EBPP registration server 700 receiving the wired EBPP application information associates predetermined billing agency information, payer information, payment method information, and e-mail address information to a predetermined storage medium 740. As one of ordinary skill in the art to which the present invention pertains, the claimant information and the claimant information in the EBPP registration server 700 will be described with reference to FIG. Various implementation methods of integrating the payer information, the payment means information, and the e-mail address information and storing them in a predetermined storage medium 740 may be inferred. The present invention is not limited by the time method. For example, in Figure 15, a wireless authentication procedure using a predetermined authentication number is used to secure confidentiality, authentication, integrity, and nonrepudiation of the payer (or wired EBPP applicant). An authentication method may be used, and the present invention is not limited thereto.

Referring to FIG. 15, when wired EBPP application information received from the journal terminal is received through the same process as that of FIG. 8, and valid payer information and / or billing authority information is confirmed based on the wired EBPP application information, The EBPP registration server 700 generates an authentication number for a predetermined EBPP application authentication to secure confidentiality, authentication, integrity, and nonrepudiation of the payer (or wired EBPP applicant) (1500), and is shown in FIG. Extracting the wireless terminal information included in the payer information confirmed in the process (1505), and transmits the generated EBPP application authentication number to the wireless terminal through the extracted wireless terminal information (1510), the table In operation 1520, the EBPP application authentication number transmitted from the terminal to the wireless terminal is input and received.

According to an embodiment of the present invention, when the wireless terminal information is included in the wired EBPP application information and provided from the bill terminal, the wireless terminal information included in the payer information confirmed by the EBPP registration server 700 is used. The extraction process 1505 may be omitted.

If the EBPP application authentication authentication number is received from the billing terminal (1525), the EBPP registration server 700 uses the EBPP application authentication authentication number received from the billing terminal and the EBPP application authentication transmitted to the wireless terminal. By comparing the authentication number, the validity of the wired EBPP service request is confirmed (1530).

If the validity of the wired EBPP service request is not authenticated (1535), the EBPP registration server 700 generates a predetermined wired EBPP application error message and transmits it to the document terminal (1540). Complete the EBPP application process.

On the other hand, if the validity of the wired EBPP service request is authenticated (1535), the EBPP registration server 700 extracts the payer information associated with the payment means information from the customer information D / B (750), the billing institution Extract the billing agency information associated with the billing institution number from the D / B (755), and stores the extracted billing agency information, payer information, payment means information and e-mail address information in a predetermined storage medium 740 (1545).

16 is a diagram illustrating a process of applying for a wired EBPP service in a journal terminal according to another embodiment of the present invention.

More specifically, FIG. 16 shows the same branch / bill payment as the figures 3 and / or 5 in the billing terminal when the payer information stored in the customer information D / B 750 includes predetermined mail address information. After generating the wired EBPP application information including the billing agency number, the payer number, and the payment means information obtained in the process to the EBPP registration server 700, the EBPP registration server 700 in the wired EBPP application The present invention relates to a method of applying for the wired EBPP service on the basis of predetermined mail address information confirmed based on information, and a person skilled in the art may refer to FIG. 16 and / or Or modify and generate wired EBPP application information including the billing agency number, payer number, payment means information and / or e-mail address information in the journal terminal; Lock and transmits it to the server 700 will be able to infer the various exemplary method of applying the wire EBPP service, to which the present invention is not limited to an exemplary way in which the inference.

Referring to FIG. 16, the long term terminal may be the same as FIG. 3 and / or FIG. 5 before, during, or after the payment process. Output a predetermined wired EBPP application menu as shown in 12 (A) (1600), or output a predetermined wired EBPP application screen as shown in (C) in FIG. 11 and / or (C) in FIG. In operation 1605, the payer confirms whether the wired EBPP application is made.

According to the method of the present invention, the payer is linked with the storage medium 740 in the process of performing the billing / bill payment process as shown in FIGS. 3 and / or 5, and the payer is wired EBPP according to the present invention. It is possible to selectively output the wired EBPP application menu and / or the wired EBPP application screen as described above only when the service provider has already applied for the service and the payer does not apply for the wired EBPP service, thereby limiting the present invention. No.

If the payer does not apply for the wired EBPP service (1610), the pay terminal performs the branch / bill payment process as shown in Figs. 3 and / or 5 (1615), and the wired EBPP application process according to the present invention. To exit.

On the other hand, if it is confirmed that the payer is applying for the wired EBPP service (1610), the pay terminal is provided with the billing agency number and the payer number obtained during the branch / bill payment process as shown in FIGS. 3 and / or 5. Generate predetermined wired EBPP application information including payment means information (1620), and transmit the generated wired EBPP application information to the EBPP registration server through the predetermined network 760 and / or the communication means 760 ( 1625).

Thereafter, the EBPP registration server 700 receives the wired EBPP application information transmitted from the ticket terminal, and the wired from the customer information D / B 750 based on the payment means information included in the wired EBPP application information. Confirm payer information for the payer applying for EBPP, and / or verify the claimant information from the claimant D / B 755 based on the claimant number included in the wired EBPP application information (1630). .

If the validity checker information and / or billing authority information is not confirmed (1635), the EBPP registration server 700 generates a predetermined wired EBPP application error message and transmits it to the document terminal (1640). Terminate the wired EBPP application process according to the invention.

On the other hand, if the valid payer information and / or billing institution information is confirmed as a result of the check (1635), the EBPP registration server is a predetermined mail address information (for example, the mail address registered in the financial institution) included in the confirmed payer information The extracted information is transmitted to the long list terminal (1645).

Thereafter, the list terminal receives and outputs the mail address information and uses the received mail address information to receive a predetermined wired EBPP service or new mail address information for EBPP application to receive a wired EBPP service. A request is made to select whether to enter (1650).

If it is confirmed that the predetermined wired EBPP service is provided through the received mail address information (1655), the bill terminal is connected to the predetermined wired EBPP service through the received mail address information (or the received mail address information). Information to approve to be provided) is transmitted to the EBPP registration server 700 (1660), and then the EBPP registration server 700 is based on the received wired EBPP application information through the process as shown in FIG. The predetermined billing agency information, the payer information, the payment means information, and the e-mail address information are processed in association with each other to store in the predetermined storage medium 740.

If it is confirmed that a predetermined wired EBPP service is provided through new mail address information in addition to the received mail address information (1655), the long term terminal is a new mail address for the wired EBPP application as shown in (b) of FIG. An interface screen for inputting information is output (1665).

If the new mail address information for the wired EBPP application is input in the book terminal (1670), the book terminal transmits the new mail address information for the wired EBPP application to the EBPP registration server 700 (1675). Next, the EBPP registration server 700 performs a predetermined process by linking predetermined billing agency information, payer information, payment method information, and mail address information based on the received wired EBPP application information through the process as shown in FIG. 15. Storing in the storage medium 740 of FIG.

FIG. 17 illustrates a process of applying for a wired EBPP service by interworking with a charge terminal and a wireless terminal according to an embodiment of the present invention.

In more detail, Figure 17 shows a billing agency number and a payer number obtained in the process of paying bills and bills as shown in Figures 3 and / or 5 in a predetermined journal terminal which cannot enter an e-mail address (or only wireless terminal information input). And generating wired EBPP application information including payment means information and / or predetermined wireless terminal information and transmitting the wired EBPP application information to the EBPP registration server 700, and the EBPP registration server 700 sets the predetermined information based on the wireless terminal information. The present invention relates to a method for receiving predetermined e-mail address information for providing wired EBPP service from a wireless terminal of a person having ordinary skill in the art to which the present invention pertains. Generate the wired EBPP application information including the billing agency number, payer number, payment method information and / or wireless terminal information in the journal terminal. Infers various implementation methods for transmitting to the EBPP registration server 700 and receiving predetermined e-mail address information for providing the wired EBPP service from a predetermined wireless terminal on the basis of the wireless terminal information in the EBPP registration server 700. It is to be understood that the present invention is not limited by the above-described other implementation methods. For example, according to the intention of the person skilled in the art, the wireless terminal information may not be provided from the pay terminal to the EBPP registration server, but may be extracted from payer information confirmed by the EBPP registration server based on the wired EBPP application information. The present invention is not limited.

Referring to FIG. 17, the journal terminal is the same as FIG. 3 and / or FIG. 5 before, during, or after performing the bill payment process. Output a predetermined wired EBPP application menu as shown in (a) of FIG. 12 (1700), or output a predetermined wired EBPP application screen as shown in (c) of FIG. 11 and / or (c) of FIG. In operation 1705, the payer confirms whether to apply the wired EBPP.

According to the method of the present invention, the payer is linked with the storage medium 740 in the process of performing the billing / bill payment process as shown in FIGS. 3 and / or 5, and the payer is wired EBPP according to the present invention. It is possible to selectively output the wired EBPP application menu and / or the wired EBPP application screen as described above only when the service provider has already applied for the service and the payer does not apply for the wired EBPP service, thereby limiting the present invention. No.

If the payer does not apply for the wired EBPP service (1710), the pay terminal performs a branch / utility payment process as shown in FIGS. 3 and / or 5 (1715), and the wired EBPP application process according to the present invention. To exit.

On the other hand, when it is confirmed that the payer is applying for the wired EBPP service (1710), the pay terminal outputs an interface screen for inputting wireless terminal information as shown in (a) of FIG. 13 (1720) and from the payer Receives predetermined wireless terminal information for receiving wired EBPP service.

If the input of the wireless terminal information is confirmed (1725), the terminal terminal is billing agency number, payer number and payment means information obtained during the process of the billing / bill payment as shown in Figures 3 and / or 5, and In step 1730, predetermined wired EBPP application information including wireless terminal information inputted as shown in (a) of FIG. 13 is generated, and the generated wired EBPP application information is transmitted to a predetermined network 760 and / or communication means ( 760) (1735) to the EBPP registration server.

Thereafter, the EBPP registration server 700 receives the wired EBPP application information transmitted from the ticket terminal, and the wired from the customer information D / B 750 based on the payment means information included in the wired EBPP application information. Confirm payer information for the payer applying for EBPP and / or verify the claimant information from the claimant D / B 755 based on the claimant number included in the wired EBPP application information (1740) .

If the validity checker information and / or billing authority information is not confirmed (1745), the EBPP registration server 700 generates a predetermined wired EBPP application error message and transmits it to the document terminal (1750). Terminate the wired EBPP application process according to the invention.

On the other hand, if the valid payer information and / or billing agency information is confirmed as a result of the verification (1745), the EBPP registration server generates a wireless message including a predetermined callback UEL for obtaining the wired EBPP application e-mail address, the wireless terminal The information is transmitted to the wireless terminal based on the information (1755).

According to another exemplary embodiment of the present invention, when the wired EBPP application information does not include the radio terminal information, the EBPP registration server 700 extracts predetermined radio terminal information from the confirmed payer information, and extracts the radio terminal information. It is possible to transmit the generated wireless message to the wireless terminal based on the received wireless terminal information.

Thereafter, the wireless terminal receives the wireless message and accesses the EBPP registration server 700 based on the callback UEL included in the received wireless message (1760).

According to an embodiment of the present invention, it is preferable that the wireless terminal accesses the EBPP registration server 700 in a WAP manner based on the callback UEL, wherein the EBPP registration server 700 is connected to the wireless terminal. It is desirable to perform the function of the WAP server.

Thereafter, the EBPP registration server 700 outputs an interface screen requesting the wireless terminal to input and provide a wired EBPP request mail address (1765). If the wireless terminal inputs a wired EBPP application e-mail address according to the interface screen and provides it to the EBPP registration server (1770), the EBPP registration server 700 receives the information from the general terminal through the process shown in FIG. A process of linking predetermined billing institution information, payer information, payment method information, and mail address information based on the received wired EBPP application information and the mail address information provided from the wireless terminal, and storing the predetermined billing medium information in a predetermined storage medium 740; Do this.

18 is a diagram illustrating a process of requesting a wired EBPP service by interworking with a charge terminal and a wireless terminal according to another embodiment of the present invention.

In more detail, in FIG. 18, when the payer information stored in the customer information D / B 750 includes predetermined wireless terminal information, a predetermined mail address cannot be input (or only wireless terminal information input). The EBPP registration server generates a wired EBPP application information including a billing agency number, a payer number, and a payment means information obtained in a billing terminal, a billing terminal number and a bill payment process as shown in FIGS. 3 and / or 5 in the billing terminal. After transmitting to the 700, the EBPP registration server 700 provides the wireless terminal information and the e-mail address information which are confirmed based on the wired EBPP application information to the ticket terminal, and the mail address in the ticket terminal. An embodiment of the method for applying for the wired EBPP service on the basis of information, and a person of ordinary skill in the art to which the present invention pertains, FIG. 18 The wired EBPP application information including the billing agency number, the payer number, the payment means information, and / or the wireless terminal information may be generated and transmitted to the EBPP registration server 700 by referring to and / or modified by the book terminal. Various implementation methods for applying for an EBPP service may be inferred, and the present invention is not limited by the other implementation methods inferred. For example, the wireless terminal information is not extracted from the EBPP registration server 700 based on the wired EBPP application information, and can be directly inputted from the long list terminal as shown in FIG. This is not limited.

Referring to FIG. 18, the long term terminal may be the same as FIG. 3 and / or FIG. 5 before, during, or after the payment process. Output a predetermined wired EBPP application menu as shown in 12 (A) (1800), or output a predetermined wired EBPP application screen as shown in (C) in FIG. 11 and / or (C) in FIG. In operation 1805, the payer confirms whether to apply the wired EBPP.

According to the method of the present invention, the payer is linked with the storage medium 740 in the process of performing the branch / utility bill payment process as shown in FIGS. 3 and / or 5. It is possible to selectively output the wired EBPP application menu and / or the wired EBPP application screen as described above only if the payer has already applied for the EBPP service and the payer has not applied for the wired EBPP service, thereby limiting the present invention. Not.

If the payer does not apply for the wired EBPP service (1810), the pay terminal performs the branch / utility payment process as shown in FIGS. 3 and / or 5 (1815), and the wired EBPP application process according to the present invention. To exit.

On the other hand, if it is confirmed that the payer is applying for the wired EBPP service (1810), the pay terminal is provided with the billing agency number and payer number obtained during the branch / bill payment process as shown in FIGS. 3 and / or 5. Generate predetermined wired EBPP application information including payment means information (1820), and transmit the generated wired EBPP application information to the EBPP registration server through the predetermined network 760 and / or the communication means 760 ( 1825).

Thereafter, the EBPP registration server 700 receives the wired EBPP application information transmitted from the ticket terminal, and the wired from the customer information D / B 750 based on the payment means information included in the wired EBPP application information. Confirm payer information for the payer applying for EBPP and / or verify the claimant information from the claimant D / B 755 based on the claimant number included in the wired EBPP application information (1830) .

If valid payer information and / or billing authority information is not confirmed (1835), the EBPP registration server 700 generates a predetermined wired EBPP application error message and transmits it to the journal terminal (1840). Terminate the wired EBPP application process according to the invention.

On the other hand, if valid payer information and / or billing agency information is confirmed as a result of the verification (1835), the EBPP registration server extracts predetermined wireless terminal information (eg, a mobile phone number) and an e-mail address information included in the verified payer information. In step 1845, the mobile terminal transmits the message to the payload terminal.

Thereafter, the terminal terminal receives and outputs the wireless terminal information and the mail address information, and receives a predetermined wired EBPP service using the received mail address information, or is a new EBPP application for receiving a wired EBPP service. A request is made to select whether to input wireless terminal information (1850).

If it is confirmed that the predetermined wired EBPP service is provided through the received mail address information (1855), the bill terminal receives a predetermined wired EBPP service through the received mail address information (or the received mail address information). Information to approve to be provided) is transmitted to the EBPP registration server 700 (1860), and then the EBPP registration server 700 receives the received wired EBPP application information and mail address through the process as shown in FIG. Based on the information, the predetermined billing institution information, the payer information, the payment means information, and the e-mail address information are linked to each other and stored in the predetermined storage medium 740.

On the other hand, if it is confirmed that a predetermined wired EBPP service is provided through new mail address information in addition to the received mail address information (1855), the book terminal performs a process as shown in FIG.

19 is a diagram illustrating a process of requesting a wired EBPP service by interworking with a charge terminal and a wireless terminal according to another embodiment of the present invention.

More specifically, FIG. 19 receives a predetermined wired EBPP service through new mail address information in addition to the mail address information received and outputted from the EBPP registration server 700 to the billing terminal during the process as shown in FIG. 18. If it is confirmed that the embodiment is a method for applying the wired EBPP service in conjunction with the terminal and the wireless terminal, if the person of ordinary skill in the art to which the present invention belongs, reference and / or this figure 19 It will be possible to infer various implementation methods for applying the wired EBPP service by interworking with the charge terminal and the wireless terminal, and the present invention is not limited by the inferred other implementation methods.

Referring to FIG. 19, while performing the same process as that of FIG. 18 in the book terminal, a predetermined wired EBPP is provided through new mail address information in addition to the mail address information received and outputted from the EBPP registration server 700 to the book terminal. If it is confirmed that the service is provided, the terminal checks whether or not to obtain mail address information for the wired EBPP service through the wireless terminal corresponding to the output wireless terminal information.

If the mail address information for the wired EBPP service is not obtained through the wireless terminal corresponding to the outputted wireless terminal information (for example, if the new wireless terminal information for receiving the mail address for wired EBPP service application is inputted) (1905) As shown in (a) of FIG. 13, the long list terminal outputs an interface screen for inputting wireless terminal information (1910) and receives predetermined wireless terminal information for receiving wireless EBPP service from the payer.

If the input of the wireless terminal information is confirmed (1915), the bill terminal sends the input wireless terminal information to the EBPP registration server 700 (1920), the EBPP registration server 700 is the wired EBPP application In operation 1925, a wireless message including a predetermined callback UE for obtaining a mail address is generated and the wireless terminal information received from the billing terminal is transmitted to the wireless terminal.

Thereafter, the wireless terminal receives the wireless message, accesses the EBPP registration server 700 based on a callback UEL included in the received wireless message (1930), and the EBPP registration server 700 receives the wireless message. The terminal outputs an interface screen requesting to provide a wired EBPP application mail address to the terminal (1935).

If the wireless terminal inputs a mail address for wired EBPP application according to the interface screen and provides it to the EBPP registration server (1940), the EBPP registration server 700 receives the information from the list terminal through the process as shown in FIG. A process of linking predetermined billing institution information, payer information, payment method information, and mail address information based on the received wired EBPP application information and the mail address information provided from the wireless terminal, and storing the predetermined billing medium information in a predetermined storage medium 740; Do this.

According to the present invention, in a process in which a customer visits a bank branch and pays bills / bills via a bill of lading through at least one or more bill acceptors and / or financial automation devices, Requesting the customer to apply for an EBPP service, and if the customer agrees, automatically processing the EBPP service request for the bill as the customer previously paid through the utility bill acceptor and / or financial automation device, There is an advantage of eliminating the inconvenience of having a customer visit a website operated by an EBPP provider to apply for a service, and / or register an electronic invoice for giro / bill payment.

Claims (2)

Wired or wireless electronic payment and payment service registration application screen for the storage target giro (or utility bill) through a predetermined output means from the giro (or utility bill) automatic storage device to the giro (or utility bill) payment customer, or to the storage destination Wired or wireless electronic payment and payment service registration application menu screen for (or utility bill), or interface for inputting customer communication means information for wired or wireless electronic payment and payment service registration for the storage destination (or utility bill) An information output step of outputting a screen; The customer enters the wired or wireless electronic payment and payment service registration application information for the storage destination (or utility bill) or the storage destination (or utility bill) through an input means provided in the automatic storage device of the branch (or utility bill). When the customer communication means information for wired or wireless electronic payment and payment service registration is inputted, the giro (or utility bill) automatic registration device registers the information and the wired or wireless electronic payment and payment service through a predetermined communication means. An information transmitting step of transmitting the receipt information or the bill image to the destination (or utility bill) to a server (or a device) on the network; And And an information registration step of storing and registering the information transmitted from the server (or the device) through the branch (or bill) automatic storage device in a predetermined storage medium. The information transmission step, Further transmitting the customer payment means information to the server (or the device) to be used in the wired or wireless electronic payment and payment service for the storage target land (or utility) through a predetermined communication means in the automatic storage device (or utility). The electronic payment and payment service registration processing method of a customer using a giro (or utility bill) automatic storage device, characterized in that. The method of claim 1, wherein the information registration step, Confirm the branch (or bill) billing institution information in the server (or the device) using the branch (or bill) receipt information or a bill image; or Confirming the customer information of the wired or wireless electronic payment and payment service requesting customer using the branch (or utility) receipt information or the bill image at the server (or the device) or the customer payment means information; And Storing and registering the identified giro (or utility bill) information or the customer information on the storage medium; and the electronic payment of the customer using the giro (or utility bill) automatic storage device. How to handle payment service registration.

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