KR20000072456A - Method of money-service using card reader - Google Patents

Abstract

PURPOSE: A financial service method that uses card reference device is provided to enable the customers to receive account withdrawal service and cash service at an affiliated office that possesses card reference device by using credit cards, debit cards, and IC cards. CONSTITUTION: A financial service method that uses card reference device is composed of request, transmission, verification, and payment. A customer visits the affiliated office that provides the withdrawal and cash service and requests for a cash service(S10). The store manager requests for the service using the card reference device(S11) and inputs the password(S12). The transaction record is transmitted to the VAN(Value Added Network) company, the operation company, and the appropriate financial institution(S13). The financial institution searches its DB to confirm the password(S14), verifies the available credit limit(S15), and sends the approval message(S18). The rejected card users receive the error message(S16,S17). The financial institution's approval is transmitted to the card reference device through the operation company and the VAN company. The customer signs the printed receipt(S20) and the manager hands over the last sheet to the customer along with the requested payment(S21). The financial institution sends transaction amount to the operation company(S22) and the operation company sends received payment to the affiliated office(S23).

Description

Financial service method using card inquiry machine {Method of money-service using card reader}

The present invention relates to a financial service method using a card lookup machine, and more particularly, to a financial service method using a card lookup machine that can provide financial services such as cash service, account withdrawal service desired by a customer with a card lookup of a merchant. will be.

Recently, as the demand of credit cards and electronic money has soared due to the development of the financial industry, the general population has gradually reduced its cash holding ratio, while the demand for credit cards and cash cards, which are emerging as an alternative means of payment, is increasing.

However, there are many types of cards such as credit cards, debit cards (cash cards), IC cards (Integrated Circuit Cards), and issuing institutions, so if you have a cash card, you will find a cash dispenser (CD) and an ATM. You need to go to the installed auto corner to withdraw the required cash, and the user with a credit card company's credit card must withdraw the required cash to visit the ATMs of the affiliated banks and the ATMs for the ATM. can do.

In addition, customers such as securities firms, trust companies, credit cooperatives, Saemaul Undong, etc. may also withdraw cash required by visiting the automated branch of the branch or affiliated bank in order to withdraw cash.

To alleviate this inconvenience, it is possible to increase the number of bank branches or automation corners or to cooperate with a large number of banks, but it requires enormous costs to set up branches and automation corners. Since it is avoiding alliances with Shin-Hyun and Saemaul Undong, it has a limitation in expanding infrastructure.

An object of the present invention is a financial service using a card inquiry machine that can receive a withdrawal service or cash service using a credit card, a debit card, or an IC card at an affiliated store that has a built-in card inquiry machine to solve the above problems. To provide a way.

1 is a block diagram for implementing a financial service using a card inquiry machine according to the present invention.

Figure 2 is a flow chart showing the cash service of the financial service using a card inquiry machine according to the present invention.

Figure 3 is a flow chart showing the account withdrawal service of the financial service using a card inquiry machine according to the present invention.

Explanation of symbols on the main parts of the drawings

1: customer

2: merchant

3: card lookup

4: Van company

5: operating company

6: financial institutions

In order to achieve the object of the present invention, a financial service method using a card inquiry machine capable of receiving financial services of a financial institution through a card inquiry device, the method comprising: requesting a financial service from a merchant; Inputting a password and a service type into a card lookup device; Verifying the password, card, and account information at the financial institution; Approving the financial service by the financial institution; Giving cash to the customer at the merchant; And, provides a financial service method using a card inquiry machine comprising the step of remitting the amount of transaction details to the merchant.

According to the present invention, in the step of requesting the financial service, the object of the financial service is a card inquiry, characterized in that the medium for recording the financial information includes not only a magnetic stripe card, but also an integrated circuit card. Financial Services Method

In the requesting of the financial service, the financial service includes a cash service, a withdrawal service, and a bank transfer service.

In addition, the information input in the step of inputting the password and service type into the card lookup is transmitted to the operating company through a value added network (VAN) company, and then to the financial institution via the operating company's network. .

In addition, in the step of approving the financial service by the financial institution, the financial service approval is transmitted to the card checker of the affiliated store through the operating company and the bansa, and the merchant stores the transaction details in the book (the card signed when using the credit card). (Printing the content on the journal) and requesting the signature of the customer.

In addition, the step of remitting the amount of the transaction details to the affiliated store further comprises the step of remitting the amount of the transaction details from the financial institution to the operating company, the operating company deposits into the settlement account of the merchant on a predetermined date.

Hereinafter, with reference to the accompanying drawings will be described in detail the financial service method using a card inquiry machine of the present invention.

1 is a block diagram for implementing a financial service using a card inquiry machine according to the present invention.

As shown, the financial service method using a card lookup machine includes a customer (1) using a financial service, a merchant (2) having certain requirements, a card lookup machine (3) for reading card information, and a van (VAN) company. (4), operating company (5), and financial institution (6).

When the inquiry information of the card is transmitted, the card inquiry machine 3 reads information such as the unique number of the card from various cards inserted in the mounted card reader, converts the read information into an electric signal, and converts the read information into a wired telephone subscriber network ( Public switched telephone network (PSTN) is transmitted to the bansa 4, the bansa 4 is transmitted to each financial institution 6 via the operating company (5).

In addition, upon receiving the inquiry information, the response code for the inquiry request information is received and the result of the inquiry about the corresponding card is displayed through the mounted display device.

Affiliate (2) selects companies with certain requirements in various industries, such as pharmacies, hospitals, gas stations, convenience stores, bookstores, and restaurants in places where ATMs and ATMs are not installed.

Van (VAN) provides a communication processing network service by directly connecting to a large number of computers or terminals by establishing a packet switching network by directly owning a communication line or by borrowing from a public telecommunications provider. Communication between companies with different slip forms and computers of different models could be solved individually using a dedicated line.However, the user can use the van service to convert the communication network. You can communicate with a variety of opponents regardless of the communication range is much wider. Accordingly, the bansa is connected between the card searcher and the operating company of the affiliated store to connect the flow of information for performing the approval task of the transaction history with the card inquiry service.

Financial institutions (6) are banks, credit unions, Saemaul Undong, securities firms, investment banking companies and specialized card companies that can issue credit cards, debit cards (cash cards), and IC cards. And implement a wire transfer service.

The operating company (5) is connected to the bansa (4) and the financial institution (6) to change the program to enable the financial services of the existing card reader (3), the bansa (4) to the merchant (2) Pay a fee on the condition of recruitment. In addition, it provides the necessary services to the card customer (1) without expanding and installing the cash dispenser (CD) and ATM (ATM) in connection with the financial institution (6), and the service costs borne by the customer (1) Receive a portion of the fee.

2 is a flowchart illustrating a cash service of a financial service using a card inquiry machine according to the present invention.

As shown, when the customer (1) requests the cash service while presenting the credit card to the service provider (2) (S10), the merchant (2) owner enters the service into the card inquiry machine (3) After (S11) requests the customer (1) input the password, the customer (1) using the button of the inquiry itself or through the PIN-PAD (device that can enter the password) attached to the main body Input (S12).

The input transaction information is transmitted to the bansa 4 and the operating company 5 through the wired telephone subscriber network (PSTN), and then to the financial institution through the network of the operating company 5 (S13).

The financial institution 6 checks its own DB for the transaction, and checks the card information such as whether the password of the card for which the cash service is requested is authenticated (S14), whether an accident is reported, and whether the service limit is exceeded (S15). ) Transmits the approval (S18).

If the card is rejected, an error message is issued with an error message (S16, S17).

The transaction history approved by the financial institution 6 is transmitted to the card inquiry machine 3 of the affiliated store 2 through the operating company 5 and the bansa 4 (S19), and the owner of the affiliated store 2 In the card lookup machine 3, the transaction details are printed on a slip (a slip that is signed when using a credit card).

In the signature column of the printed form, the customer (1) signs his signature (S20), and the affiliated store (2) owner delivers the first side of the form to the customer (1) as a receipt and sends the amount requested by the customer (1). Is issued simultaneously to 1) (S21).

When the service amount requested by the customer 1 is transferred to the operating company 5 from the financial institution 6 (S22), the operating company 5 deposits the payment account of the affiliated store 2 on the predetermined date (S23). .

3 is a flowchart showing an account withdrawal service of a financial service using a card inquiry machine according to the present invention.

As shown, the account withdrawal service proceeds in the same flow as the aforementioned cash service. That is, when the customer 1 requests the account withdrawal service while presenting the credit card to the service provider affiliated store (2) (S30), the merchant (2) owner enters the corresponding service into the card inquiry machine (3) ( S31) Ask the customer 1 to input a password, and the customer 1 inputs his / her password through a button of the inquiry machine itself or through a PIN-PAD (a device capable of entering a password) attached to the main body. (S32).

The input transaction information is transmitted to the bansa 4 and the operating company 5 through the wired telephone subscriber network (PSTN), and then to the financial institution through the network of the operating company 5 (S33).

The financial institution 6 searches its own DB for the transaction details, and checks whether or not the password of the card with which the account withdrawal service is requested is verified (S34), whether an accident is reported and whether the account balance is present (S35). It transmits (S38).

If the card is rejected, an error message is issued with an error message (S36, S37).

The transaction history approved by the financial institution 6 is transmitted to the card inquiry machine 3 of the affiliated store 2 through the operating company 5 and the bansa 4 (S39), and the owner of the affiliated store (2) In the card inquiry machine 3, the transaction details are printed on a document (a card signed when using a credit card).

In the signature column of the printed form, the customer (1) signs his signature (S40), and the affiliated store (2) owner issues the first side of the form to the customer (1) as a receipt, and the customer (1) requests the amount of money requested by the customer ( Is issued simultaneously to 1) (S41).

When the service amount requested by the customer 1 is transferred to the operating company 5 from the financial institution 6 (S42), the operating company 5 processes the deposit into the payment account of the affiliated store 2 at the predetermined date (S43). .

Therefore, the financial service method using the card inquiry machine 3 is a cash service and an account withdrawal service that were available in an existing cash dispenser (CD) and ATM (ATM) through the card inquiry machine (3) of the affiliated store (2). Financial services, such as bank transfer services.

As described above, the financial service method using the card inquiry machine of the present invention not only provides convenient financial services to financial transaction customers by expanding the existing credit card inquiry machine, but also provides a separate cash dispenser (CD) and cash automatic. There is no need to add ATMs, which can increase national competitiveness due to the massive investment in facilities.

Since the present invention can be variously modified by those skilled in the art without departing from the scope of the claims claimed in the claims, the technical protection scope of the present invention is limited to the specific preferred embodiments described above It is not limited.

Claims (6)

In the financial service method using a card inquiry machine that can receive financial services of a financial institution through a card inquiry machine, Requesting a financial service from a merchant at a customer; Inputting a password and a service type into the card lookup device; Verifying a password, a card, and account information at the financial institution; Approving a financial service by the financial institution; Issuing cash to the customer at the affiliated store; And, Financial service method using a card inquiry machine comprising the step of remitting the amount of the transaction details to the merchant. 2. The method of claim 1, wherein requesting the financial service The financial service method is a financial service method using a card lookup machine, characterized in that the medium for recording financial information includes not only a magnetic stripe card but also an IC card. 2. The method of claim 1, wherein requesting the financial service The financial service is a financial service method using a card inquiry machine, characterized in that it comprises a cash service, withdrawal service, account transfer service. The method of claim 1, wherein the information input in the step of inputting a password and a service type into the card lookup is transmitted to the operating company through a bansa, and is again transmitted to the financial institution via the operating company's network. Financial service method using a card inquiry machine. The method of claim 1, wherein the financial institution approves the financial service. The financial service approval is further transmitted to the card inquiry machine of the affiliated store via the operating company and the bansa, and the affiliated store prints the transaction details in the journal and requests the signature of the customer. Financial service method using a card inquiry machine. The method of claim 1, wherein the step of remitting the amount of the transaction history to the merchant The financial institution transfers the amount of the transaction details to the operating company, the operating company further comprises the step of depositing the payment account of the merchant at a predetermined date.