KR20010086870A - The integrated banking automatic teller machine, and business method of non-stop banking automatic teller machine system using world wide web system - Google Patents

Abstract

PURPOSE: An integrated financial automation system and a method for operating an external financial automated equipment system using Internet are provided to embody various services through the Internet together with a web-dedicated integrated automation system. CONSTITUTION: A web-dedicated integrated automation system is comprised of a network management system(41), a cash dispenser management part(45), a withdrawal management part(47), a check dispenser management(50), a cash receipter management part(46), a check receipter management part(50), a giro management part(48), a receipt output management part(51), a kiosk management part(54), and a virtual keyboard management part(55). The network management system(41) manages all communications. The cash dispenser management part(45) is necessary when a client requests cash provision. The withdrawal management part(47) works in case that a banknote is caught in the middle of cash provision. In case that the client requests check provision, the check dispenser management(50) supplies a requested amount of money. The cash receipter management part(46) and the check receipter management part(50) are operated when the client wants to deposit cash or checks. If the client wants giro payment, the giro management part(48) receives the money. In case that the client requests testimony for an electronic financial transaction, the receipt output management part(51) is operated. Generally client reception is achieved through the kiosk management part(54). However, if the client wants to use Internet contents, the virtual keyboard management part(55) is operated.

Description

The integrated banking automatic teller machine, and business method of non-stop banking automatic teller machine system using world wide web system}

The present invention uses the Internet (public network, leased line, cable TV network, satellite network, wireless network) by installing the automatic teller machine in public institutions, schools, hospitals, department stores, retail stores, convenience stores, gas stations, markets, etc. The present invention relates to a system and method for non-stop service if required, and to an integrated web automation device for web.

Conventional financial institutions have not conducted any financial transactions over the Internet because of the safety of transactions. Since 1997, 14 banks (16 institutions including post offices and Saemaul Undong) have participated in Cyber Banking, led by Korea Telecom, and since 1999, full-scale services began to be provided on the Internet. In addition, some banks have operated Internet banking services of individual banks. At the same time, securities firms have launched a cyber trading service that allows them to conduct securities transactions online. Prior to this, Internet shopping malls, which support the purchase of products using credit cards, mainly from home shopping companies, started their services in earnest.

However, the above services are structurally inconsistent with the level of existing PC banking or telesales. Not only do host systems that make up the service use virtually that of PC banking or telesales, but the contents they provide do not utilize various functions via the Internet. Of course, since the matter regarding the host system is outside the scope of the present invention, it is not necessary to mention any more. However, unlike the existing PC banking or telesales, the customer interface part can directly control the distribution of cash, and a method of providing services by integrating financial transactions and shopping malls is required.

Financial or financial transactions currently being serviced through the Internet also have major weaknesses in ensuring security. In the operation of securities and shopping malls, they are almost unprotected from intrusion of unauthorized persons such as hacking.In the case of Cyber Banking (hereinafter referred to as individual banks' Internet banking) provided by KT, there are devices for securing safety. It is hard to be a fundamental solution. In case of Cyber Banking of KT, there is a way to effectively prevent hacking problems by allowing only customers with 'electronic bank account' issued by the bank to access the service. Unlike certification, a more general legal effect is needed.

The automated teller machines currently in use include cash dispensers (CDs), automated teller machines (ATMs), and bank account clearers (PBPRs). These devices use a magnetic stripe to read information and communicate with the host computer through a network composed of dedicated networks to implement the services customers require. Among them, the automatic teller machine is configured to perform the functions of an automatic teller machine and an account bookkeeper. Recently, the equipment which adds the giro storage function to the automatic teller machine has been studied, but it has not been put to practical use yet. In such a situation, there is an urgent need for an automated teller machine that can integrate and service financial transactions such as giro collection and securities transactions. In particular, there is a need for a technology and method that can freely surf the web through an automated device device by combining a function capable of supporting an Internet bottom population of more than 10 million.

Most of the automated devices are installed and operated by banks, and there is virtually no common use between the first and second financial sectors. In the case of Seoul and Busan, automated equipment VANs, which integrate banks and credit card companies, are installed and operated around subway stations, and the service items do not exceed that of automated equipment provided by each line. On the other hand, in the case of frequent movement of people, such as department stores or general hospitals, and some public institutions, automated devices are installed and operated exclusively by terminals of specific banks. It is rarely installed and operated at the stage where there are many public institutions, schools, gas stations, and markets.

Currently, automated equipment that handles 30-40% of all banking operations has a lot of inconveniences due to frequent failures compared to its throughput. To solve this problem, NMS (Network Management System) is developed and operated by each line, but its performance is not so good. Therefore, if such a frequently occurring failure cannot be prevented at the source, a method of reducing the inconvenience of the customer is required by taking the obstacle in the shortest possible time. In addition, since older customers feel uncomfortable with the use of automated devices, an easy approach to solve this problem should be provided.

Accordingly, a main object of the present invention is to provide a method capable of implementing various services through the Internet together with a web-only integrated automated device that can provide financial services at once to solve the above problems.

The web-only integrated automation device is configured as a web-only terminal to enable a customer interface over the Internet. The web-only integrated automated device device enables various inquiry services including transfer and payment between banks, wire transfer, and jiro storage, including deposit and payment of cash and check. In addition, through the kiosk function and the buttons of the automation device, it is possible to access various contents provided by the Internet. In particular, it secures the function to apply the information protection algorithm for user authentication and provides the recognition function of customers who have smart (including IC chip) card.

In particular, by utilizing the web browser and kiosk functions to the maximum, the service system can be configured to easily use the automation device even for elderly customers or those with insufficient access to information and communication systems. You can enjoy web surfing freely using mouse and high speed communication network.

Institutions can install these terminals in frequent areas such as existing off-site automation equipment corners and public institutions, schools, hospitals, department stores, retail stores, convenience stores, gas stations, and markets. To this end, a low-cost Internet-only network is provided, but the public network can be used if inevitable. It also supports booths that can be used when the device is installed outdoors to provide all-weather service despite the environment. It also has a system that can automatically detect the failure of the device and direct maintenance. In addition, it is possible to pay the cash deposited to relieve the shortage of funds to be paid, and to automatically process the cash replenishment instructions in order to immediately deal with any shortage of payment.

If a customer encounters a problem while using the web-only integrated automation device, he or she can call the help desk via the Internet phone. In some cases, a video call may be supported using a video camera for proof of transaction. The failure occurred during the transaction can automatically display the details on the management screen of the counselor when the customer accesses the central consultation room using the Internet phone. Of course, if an automated teller machine is installed and operated exclusively by a particular bank or agreed by a financial institution, the customer can connect the telephone to the customer support center or call center of the financial institution instead of the central counseling office.

The present invention also provides a method for linking a video camera to a database for transaction proof. Subjects who have installed the web-only integrated automated device may reject the service request from customers wearing masks or dark sunglasses as needed. It provides a method that can be used for proof of transactions and marketing by storing it in a memory device or providing it to a financial institution.

Recharging transportation cards, mainly in Seoul and Busan, is also a task to be solved in financial automation equipment. The present invention not only enables user authentication through smart (IC chip) card reader, but also enables the deposit and withdrawal of electronic wallets (e-money), and in the case of a combination card, the deposit and withdrawal of a contactless (RF chip) area is possible. Provide a way to do this.

1 is an overall configuration diagram of the present invention.

2 is an external view of a web-only integrated financial automation device.

3 is a service flow diagram according to the present invention.

Explanation of symbols on the main parts of the drawings

10 ... Second Financial Institutions

20 ... Banking Connections

21 ... Internet Banking System

22 ... accounting host system

30 ... Internet (WWW)

31 ... Backbone Network Operators Department

32 ... Internet IP Service Provider

40 ... Web-based automatic automation device

44 ... Safety Facilities Management Department

70 ... Remote Assistance

In order to achieve this object, the present invention provides a network, an account processing system that can make financial transactions through the Internet, an authentication system that can guarantee transaction safety, and automatic detection and dispatch of faults, together with a web-only integrated automated device. It consists of instructions and connection system of customer and counselor.

The present invention will now be described in detail with reference to the drawings.

1 is an overall configuration diagram of the present invention. The present invention is largely the web-only integrated automated device device unit 40, user authentication unit 52, host connection unit 20, financial VAN management unit 10, Internet connection unit 30, safety facility unit 44, remote support unit ( 70). The web-only integrated automated device includes a network manager 41 that manages all communications, a cash payment manager 45 for responding to a cash payment request, and a collection manager 47 that operates when a paper money is caught during payment. . When the customer designates the right of payment, the amount paid by the check payment management unit 48 is paid. When the customer wants to deposit cash or check, the cash deposit management unit 46 and the check deposit management unit 50 are operated, and when the deposit is desired by the branch, the branch is stored by the branch management unit 48. Giro storage is based on real time account transfer, but cash and check can be deposited according to the choice. When such a transaction is completed or requires proof of an electronic financial transaction such as telebanking, the receipt output management unit 51 responds. In general, customer service is performed through the kiosk management unit 54, but when the customer intends to use the Internet content, the virtual keyboard management unit 55 operates.

When the customer requests the Internet service, the virtual keyboard manager 54 operates to operate the virtual keyboard and the mouse at the bottom of the screen of the integrated automation device. The virtual keyboard and mouse install a chip under a thin film pad instead of a conventional keyboard or mouse, so that a light touch with a finger can produce the same effect as a keyboard or mouse. All these accessory devices are controlled by the OS and basic software manager 57 and application program manager 56 that control the web-only integrated automation device, and are physically equipped with a power manager 53 to drive the device. .

On the other hand, booth management unit 58 can be selected to ensure the physical safety of the device, it is configured to be free to call the central consultation center using the Internet phone 59 in the event of a failure. The central counseling center 71 may instruct emergency dispatch 61 if necessary, and the emergency base 72 to be dispatched at the time of failure of the device or lack of payment amount may be patrolled at all times. In particular, when exposed to crimes, the security-related organization (73) will automatically request emergency dispatch. In addition, there is a camera manager 60 capable of capturing a transaction customer as a video / still image and a transaction record manager 43 for logging all transaction records.

All transactions are reported to the financial VAN management unit 13. The Financial VAN Management Department determines whether the requested service is a banking service, a second financial sector business, whether it is a payment of giro or credit card, and an electronic wallet (including IC chip and RF chip). In addition, when a service request arrives at a corresponding institution including a bank, the Internet banking management unit 21 accesses all the information and performs the service after checking the host system management unit 22. In particular, if the customer wants to use the Internet contents through the web-only integrated automated device, the customer accesses the Internet content provider 32 through the main network operator 31 and the shopping mall 33, the e-mail 34 and various contents. (35) becomes available.

2 is an external view of a web-only integrated financial automation device. This device is equipped with optional booth 80, RACK 81, web browser kiosk screen 82, magnetic stripe card authentication unit 83, smart card authentication unit 84, virtual keyboard 85, virtual mouse ( 86, video camera unit 87, receipt and ticket issuing unit 88, cash / check storage and discharge unit 89, bankbook storage unit 90, floppy disk storage unit 91, Internet phone (92) ), Emergency safety facilities 93, giro storage 94 and the like.

The power supply unit, cash / check check unit, web-only integrated terminal device CPU unit, auxiliary storage unit, and the like are stored in the RACK 81.

3 is a service flow diagram according to the present invention. The customer accesses the web-only integrated automation device 100 to select 101 media such as bankbook, magnetic stripe card, electronic wallet card and web surfing. First, when the bankbook transaction is selected, it is determined whether the bankbook transaction is possible by reading the magnetic strip information on the back of the bankbook (102). If there is a microgram in the bankbook, the bankbook clearance (103) is performed. Along with this, various inquiries, bank transfers, cash / check deposit and withdrawal, credit card authorization, etc. can be used (104). At this time, if necessary, the service is provided through communication with the host system. If proof of the transaction result is required, the account is cleared through the transaction confirmation procedure 106 and the transaction is terminated (107).

When a magnetic stripe card such as a cash card, debit card, or credit card is recognized by the magnetic stripe card authentication unit, it is determined whether a card transaction is possible (108). When the service is provided to the customer who has been authenticated through the same flow as the bankbook transaction except for the bankbook cleaning procedure, when proof is required for the transaction result, a receipt is issued through the transaction verification procedure 106 and the transaction is terminated (107).

If the transfer and cash / check deposit and withdrawal transaction are required using the electronic wallet, the service is provided through the recharge, transfer or cash / check deposit and withdrawal process (109), and if the proof of the transaction result is required, the transaction is confirmed through the transaction confirmation procedure (106). Is issued and the transaction is terminated (107).

If you choose to surf the Internet (110), depending on whether you want to use the Internet content or second financial sector transactions 111 or Jiro transactions 115 will respond to the necessary. If the second banking business is requested, securities related inquiries and orders, insurance subscriptions, etc. can be made, and the money can be transferred accordingly (112). If you select a trading deal, the paper is automatically scanned to determine the contents, and the institution receives the payment receipt 116 result in real time. Giro payments should be made in principle by bank transfer, but cash and check can be stored if necessary. If you require internet surfing, you can use the virtual keyboard and mouse to surf the web with the same system as your home or office PC. In this case, if necessary, user authentication 113 may be performed through a smart card, and a service 114 such as upload and download of a file, e-mail, and web shopping may be received. If you ordered the product can be issued an order confirmation. In addition, payment can be made through cash / check, bank transfer, credit card, etc., and a receipt can be issued. In particular, when a ticket is booked through web surfing, a ticket exchange ticket can be issued in addition to the receipt to resolve the dispute with the customer.

The present invention allows the customer to deposit and withdraw cash and checks, withdrawal and withdrawal of e-money, withdrawal and withdrawal of transportation cards (contact and contactless), account bookkeeping, receipt output, Jiro All financial transactions such as deposits, inquiries, securities transactions and credit card transactions are made available on one device. In particular, it is possible to enhance the convenience of customers by supporting the printing of receipts for details using electronic banking and other electronic banking.

In addition, through the terminal, it is possible to use a variety of Internet content, including the use of shopping malls, e-mail, it is possible to integrate financial services and general Internet operations. In addition, by using multimedia services (visual and auditory) in connection with the kiosk function, customers can alleviate the psychological rejection of automated devices, issue orders or purchase tickets when ordering through a shopping mall. In one case, a service such as printing a ticket exchange ticket is possible, and a customer can increase profits by providing necessary advertisements in the queue for business processing.

Such services are easily accessible to customers by providing them at frequent locations such as bank counters, public institutions, schools, hospitals, department stores, retail stores, convenience stores, gas stations, and markets. In particular, small and medium merchants can easily deposit and withdraw money through a nearby integrated automated device without having to go to a bank branch to enhance its convenience.

Unlike the existing automated devices, the web-only integrated automation device does not belong to a specific bank and provides a way to integrate and provide services of other financial sectors, such as securities firms and card companies, in addition to banks, so that customers and service providers can meet dynamically You have a chance.

According to the present invention, in spite of frequent transactions, the problem of eliminating inconveniences in using the conventional automation equipment, which is insufficient for failure management, automatically checks for lack of funds or system failures, and provides outgoing instructions. Ensure free access to the central office (help desk).

Claims (5)

Web-only integrated automated device that enables financial transactions through the Internet (public network, leased line). This device is composed exclusively for the web and includes cash and check deposit and withdrawal, bankbook arrangement, receipt printing, giro storage, e-money, transportation card (contact and contactless) charging, various inquiries, securities transactions, credit card transactions, etc. It has an accessory device that enables the use of various contents of the Internet, such as orders in financial services and shopping malls, order history output, various ticket outputs, and e-mail transmission and reception. A system and method for installing and operating financial automatic devices in places where traffic is frequent, such as public institutions, schools, hospitals, department stores, mass stores, convenience stores, gas stations, and markets, via the Internet (public network, leased lines). This system includes network configuration, automated equipment installation, cash and check storage method, booth configuration method, user authentication method, deposit cash or check processing method, financial VAN connection method for connection with many financial institutions, and kiosk Audio-visual usage guidance, and the like. Helpdesk (Central Counselor) system and its method for web-only integrated automation device network operation. This system includes automatic detection of faults, automatic dispatch instruction method, operation of video camera, storage and playback of transaction evidence for transaction proof, transmission to host system, and contact method in case of other failures. Centralized advertising system and method through web browser through web-only integrated automatic device screen. This system includes a spot advertisement that customers can see while waiting for processing of the host system, automatic download when the operating software of the integrated automation device is changed, and software upgrade without replacing the ROM when the firmware of the integrated automation device is changed. Includes upgrade system to improve performance. Combination method of virtual keyboard (keyboard and mouse) device to enable large screen and internet surfing to enable web browsing through web-only integrated automation device.