KR20010018730A - Movable banking system using satellite communication and the vechicles therefor - Google Patents

Abstract

PURPOSE: A mobile banking system loads a car with all equipments and a satellite transceiver to communicate with a server of the head office. CONSTITUTION: A mobile banking system comprises a satellite communication device, a finance automatic terminal and a mobile device. The satellite communication device carries out a finance computational network and a data communication through an artificial satellite. The finance automatic terminal automatically carries out the banking service according to data transmitted from the satellite communication device. The mobile device mounting finance automatic terminal thereof moves the finance automatic terminal anywhere.

Description

Mobile banking system using satellite communication and vehicle for it {MOVABLE BANKING SYSTEM USING SATELLITE COMMUNICATION AND THE VECHICLES THEREFOR}

The present invention relates to a mobile banking system and a vehicle for the same, and in particular, to load a corresponding device so that most banking services such as cash withdrawal, lending service, etc. in the vehicle can be loaded to provide a banking service to a place where a customer is located. The present invention relates to a mobile banking system using satellite communication and a vehicle therefor.

For the sake of business efficiency, or in general, most people choose their banks in consideration of the convenience of banking, which makes it easier for banks to access banking services for their customers. Various services are provided to enable banking services such as bank transfer.

For example, an automated device installed in a predetermined area of a bank can automatically perform banking operations by the customer's arbitrary operation without the involvement of a bank employee. It can save time or eliminate other inconveniences caused by human contact.

As such financial automation devices are developed into an information society, the number of used and installed devices and average usage are rapidly increasing.

However, the conventional bank automation equipment is mainly data communication using a wired telephone network, and since a wired telephone network is accessed and used by many users at the same time, problems such as temporary failure of the bank computer network due to congestion or a drop in connection occur. .

In addition, in the case of data communication using a wireless telephone network, there are problems such as causing a lot of inconveniences for using the base station in a small area.

Therefore, in order to overcome the above-mentioned problems, a satellite communication method using a communication satellite has emerged as an alternative. Since satellite communication uses a frequency of 1 kHz or more, it has a low frequency occupancy rate and a short period, and thus has a strong characteristic against noise. have.

In view of the above, in the present invention, a vehicle is equipped with a satellite transmission / reception means for connection communication between a server and an integrated device necessary for banking services to enable most banking operations. Banking system using a mobile vehicle that provides convenience to customers and enables active vs. customer service by moving to the location where the customer is located and allowing the customer to conveniently work with the device or the bank staff residing on the vehicle. It is intended to provide.

1 is a plan view showing the interior of a vehicle according to the present invention.

Figure 2 is a perspective view showing the appearance in a state in which the vehicle according to the invention stopped.

Figure 3 is a perspective view showing the side of the vehicle outside the vehicle stops, according to the present invention.

Figure 4 is a rear view showing the rear of the vehicle outside the vehicle stops the vehicle according to the invention.

5 is a perspective view showing the appearance of the vehicle when driving according to the present invention.

<Description of the code | symbol about the principal part of drawing>

One ; Automatic teller machine 2; Counter terminal

3; Banknote counter 4; printer

5; PC 6; copy machine

7; monitor

Features of the present invention for achieving the above object is a satellite communication device for performing data communication with the bank computer network via a satellite; It is to provide a mobile banking system using a satellite communication including a bank automation terminal that automatically performs banking operations according to the user's operation.

Another feature of the present invention is a bank automation terminal for automatically performing banking operations in accordance with the operation of the customer; A terminal for a bank teller operating in accordance with an operation of a bank clerk; A satellite communication device for transmitting and receiving predetermined data via a satellite; An air conditioning apparatus for adjusting a temperature of a predetermined space; A secondary power supply device which senses whether the power is supplied and supplies the power immediately for a predetermined time when the power is not supplied; It is to provide a mobile banking vehicle using satellite communication including a vehicle equipped with each device.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

According to the present invention, a mobile banking system using satellite communication is a satellite communication device that transmits and receives data with a communication satellite, and based on data transmitted and received with a server of the head office via the satellite communication device, by a user's manipulation. It includes bank automation equipment for banking.

In addition, the satellite communication apparatus includes a satellite antenna functioning as a medium for transmitting and receiving data, a satellite receiver for demodulating data received through the antenna, and a satellite transmitter for modulating data to be transmitted through the antenna. .

The automated teller machine is a device for performing a banking operation required by a customer without borrowing the hand of a bank employee, such as an ATM.

The mobile banking system using the above-described satellite communication may be configured to be movable to any place by attaching a wheel to the bottom, and may be configured to be inoperative by locking a lock device. At this time, if the locking device is installed is configured not to move to prevent theft.

Each component of the above-described mobile banking system is integrally formed in one case to facilitate management.

It is also possible to manufacture a vehicle having a structure suitable for such a mobile banking system, which will be described in more detail.

1 is a plan view showing the interior of a vehicle according to the present invention, the interior space of the vehicle is divided into three areas. That is, the interior space of the vehicle is divided into a driving space on which the driver boards, an office space where bank employees can see office work, and an automation corner in which a bank automation device is installed.

First, in the automation corner, the customer himself banking, for example, withdrawal, bank account, account transfer, etc., the financial automation device (1), the air conditioning and cooling means (8) that can be heated and inside the vehicle, Each of the safes 16 for temporarily storing cash is provided.

In addition, a door 13 is provided on an adjacent side of the vehicle, and an inner door is provided on a wall adjacent to the office space for traveling to and from the office space.

In the office space, office equipment such as a counter terminal 2, a banknote counter 3, a printer 4, a PC 5, a copier 6, and the like for separate banking operations such as retrieval of customer information are arranged, respectively. do.

Meanwhile, in order to support voice communication and data communication necessary for the operation of the bank main office server and the vehicle, communication control and data transmission and reception means 7 are separately installed, and air conditioning means 8 for ventilation, warming, and cooling the inside of the vehicle are provided. Place it.

The communication control and data transmitting / receiving means (7) is a modulator (encoder) using an encryption technique for preventing the leakage of data transmitted when transmitting and receiving data in order to communicate with the server of the bank headquarters, and the head office server when receiving data Demodulating means for demodulating information received from the device.

The monitor 12 is installed at a position close to the inner wall of the vehicle, and the inner wall close to the monitor 12 is made of a door 12a, and the door 12a is made to externally display the screen of the monitor 12. Make it visible.

The office space and the automation corner described above are separated into separate spaces, but the doors can be locked or opened in order to be promptly handled by the staff in case of a customer's call or a failure of the device.

In the above, look at the appearance through a perspective view of the vehicle as described.

Figure 2 is a perspective view showing the appearance of the vehicle in the stopped state according to the present invention, the satellite antenna 9 for transmitting and receiving data with the bank computer network through the satellite and the voice and data communication required for the operation of the vehicle Antenna 10 is provided for each. In addition, the display board 11 for promoting and guiding the bank is also installed on the top so that the user can easily see from afar, and the above-described monitor 12 is configured to be seen from the outside according to the door 12a which is opened and closed up and down. It is.

It will be described in more detail through a perspective view of the other side of the vehicle described above.

Figure 3 is a perspective view showing the appearance of the vehicle in the banking state of the vehicle during the vehicle stop according to the present invention, a step that is automatically or manually lowered to the floor in accordance with the opening and closing of the door 13 is installed, the door 13 is It is located on the side of the vehicle and used as an entrance and exit of a customer using the automated teller machine 1. For reference, reference numeral 15 is a window of the vehicle.

On the other hand, as shown in Figure 4 showing the rear of such a vehicle, the rear of the vehicle is provided with a staircase that is automatically or manually lowered to the floor in accordance with the opening and closing of the door 14 is used as the entrance and exit of the employee working in the office space.

Although not shown in the drawing, a drive device (not shown) and a control device (not shown) for automatically opening and closing the doors 12a, 13 and 14, the stairs 13a and 14a are respectively installed in the vehicle. These devices can be used in general.

When the vehicle is driven, as shown in FIG. 5, the satellite antenna 9 is folded back, and each door 13, 14, 12a is in a closed state.

The above-described embodiment is intended to be described by way of example, and the central idea of the present invention is a financial automation device using satellite communication as a communication method, and a vehicle having the same. It is obvious.

Modifications inferred from the present invention should also be considered to be within the scope of the claims set out below.

According to a preferred embodiment of the embodiment according to the present invention as described above has the following advantages.

First, by using a vehicle equipped with a banking system, it is possible to move to an area where a bank branch is not opened or a place with frequent cash transactions to provide banking services. As a result, sales could improve.

Second, since satellite communication is used, communication failures such as when using wired or wireless communication are rarely generated, and the mobile communication can be moved to a mountain wall, thereby improving the quality of service to customers.

Third, an electric signboard or the like may be installed outside the vehicle to simultaneously promote the bank or guide new products, thereby increasing sales due to the advertising effect.

Claims (8)

A satellite communication device for performing data communication with the financial computer network via a satellite; A financial automation terminal for automatically performing banking operations in accordance with data transmitted and received from the satellite communication device; A mobile banking system using satellite communication, comprising a mobile device for loading the financial automation terminal to move the financial automation terminal to a desired place. The satellite communication apparatus of claim 1, wherein the satellite communication apparatus is a satellite communication antenna which is a medium for transmitting / receiving data through a satellite, a satellite receiver for demodulating the received data, and modulates data to be transmitted through the antenna. Banking system using a satellite communication, characterized in that it comprises a satellite transmitter. The mobile banking system of claim 1, wherein the bank automation terminal and the satellite communication device are integrally formed, and further comprising a wheel mounted at a lower portion thereof so as to be movable. [4] The mobile banking system according to claim 1 or 3, further comprising a lock that can be locked by a password or a key, and wherein the wheel does not move when locked. A bank automation terminal that automatically performs banking operations according to a customer's operation, a bank teller terminal operated by a bank clerk's operation, a satellite communication device for transmitting and receiving predetermined data via satellite, and a predetermined temperature Air conditioning device for adjusting the power supply, and if the power supply is detected, if the power is not supplied, the auxiliary power supply for supplying power immediately for a predetermined time, and satellite communication including a vehicle equipped with each device Used mobile banking vehicle. 6. The satellite communication system according to claim 5, wherein a satellite antenna is provided outside the vehicle to serve as a medium for transmitting and receiving data, and further comprising an electronic board for promoting the bank and guiding a new financial product. Used mobile banking vehicle. According to claim 5, The door is installed on the side and the rear of the vehicle, when opening the door, the staircase is configured to be drawn out and lowered on the floor surface, the automatic teller machine is installed in front of the side door side, The rear door side entrance communicates with an employee office space in which office equipment is installed, and a mobile banking vehicle using satellite communication, characterized in that it is configured as a separate space separate from the employee office space and the space of the automated teller machine. 6. The mobile banking vehicle according to claim 5, wherein the air conditioner is mounted as a part of the vehicle and operates using fuel of the vehicle.