KR20030068055A - Method For Operating A Automated Teller Machine - Google Patents

Abstract

PURPOSE: A method for operating an ATM(Automate Teller Machine) is provided to charge no commission to the financial transaction through the ATM if the financial transaction is a financial business within an ATM managing bank system. CONSTITUTION: A financial business request from a user is transmitted through the ATM(302). The financial business request is processed by transmitting the request to the ATM managing bank system, a financial clearance system, a bank system, or a financial business system through the Internet(304). If the modification or the addition of the ATM program is needed, a program in each ATM connecting through the Internet network is modified or added by the program stored in an ATM program management part, and the financial business is processed by the modified or added program.

Description

Method for Operating A Automated Teller Machine}

The present invention relates to a method of operating a cash dispenser.

ATM (Automated Teller Machine) is an automated device that allows users to process financial business (cash withdrawals, transfers, etc.) without going directly to the bank.It is installed in subway stations, hotels, department stores or convenience stores. In addition, the ATM has been jointly installed by several banks or financial systems, and a separate management company (ATM management system) is in charge of its operation and management.

On the other hand, in addition to the ATMs installed in subway stations or convenience stores, the banks or branches and stores are provided with the ATMs as described above. However, ATMs installed in such banks are directly managed by the banks. The ATM management system, which is a system, differs from the above-described automatic teller machine managed by representing various financial systems.

1 is a configuration diagram of an embodiment of a conventional automatic cash dispenser system, and illustrates an example of a cash dispenser system installed in a subway station, a hotel, a department store, or a convenience store and managed by an ATM management system.

As shown in the figure, a conventional automatic cash dispenser system is installed in a subway station or a convenience store, etc., and allows users to freely withdraw cash, an automatic teller machine 90, and an ATM management system 91 for managing and operating the automatic teller machine. And a number of banking systems (92), credit card companies, securities firms, post offices, etc., which deal with financial transactions through business agreements with the ATM management system, and conclude business agreements with the ATM management systems. And a financial settlement system (93) for relaying and supervising financial operations between the banking systems and the banking systems.

At this time, the ATM is connected to the ATM management system 91 through a dedicated line as shown in the figure, the ATM management system 91 is the bank system 92 or the financial business system ( As a system independent of the above, the cash dispenser 90 is supplied and installed and, in return for its operation, a certain amount of fee is paid.

That is, the ATM management system 91 installs the ATMs 90 in subway stations, department stores, convenience stores, and the like, while the users perform financial transactions to the bank system 92 or the financial business system 94 with which they are affiliated. While performing the function of operating and managing the automated teller machine 90 so that it can be used through the automated teller machine 90, the fees incurred in the transaction are distributed with the respective systems 92.

At this time, as described above, the ATM management system 91 is not operated by a bank or a credit card company, and thus there is a problem in that it does not give users a sense of trust.

In addition, as described above, the ATM management system 91 generally adopts a method of distributing a fee generated when a user makes a financial transaction using the ATM machine 90 with the respective systems. A higher fee is charged than when you make a banking transaction or do an internet banking. Therefore, users have a problem in that they pay more fees while using the same services as banks or Internet banking services.

In addition, since the ATM management system 91 mounts and operates a cash dispenser-only program on the cash dispenser 90, it is impossible to collectively manage and upgrade all the dispensers 90. There is a problem. In other words, when upgrading or adding a program, each cash dispenser 90 must be visited to replace the corresponding program. Therefore, the operation and management costs are high.

The present invention is to solve the above-mentioned problems, the ATM management system existing in the ATM management bank system or commissioned management from the ATM management bank system to manage the ATM machine through the Internet network; On the other hand, when the financial transaction made through the ATM is a financial service within the ATM management banking system, the purpose of providing a cash dispenser operating method for avoiding a separate fee.

1 is a configuration diagram of one embodiment of a conventional automatic cash payment system.

Figure 2 is a configuration diagram of an embodiment of an automatic cash dispense system to which the present invention is applied.

Figure 3 is a flow diagram of one embodiment of a cash dispenser operating method according to the present invention.

Figure 4 is an embodiment table showing the difference between a cash dispenser operating method and a conventional cash dispenser operating method according to the present invention.

The present invention for achieving the above object, the cash dispenser operating method applied to the automatic cash dispenser system, a cash dispenser (10) installed in the bank and other areas (subway stations, department stores, hotels or convenience stores) A first step of receiving a financial service request input from a user through an internet network; Transmitting the transmitted financial service request to at least one of an ATM management bank system 20, a financial settlement agency system 40, a banking system 50, and a financial business system 60 to process the financial business; Two steps; And when the program correction or addition to the ATM (10) is necessary, if you modify or add the program stored in the ATM program management unit 35 in each ATM 10 connected through the Internet network And a third step of allowing the financial service to be processed through a modified or added program. In the second step, if the financial service request transmitted is an internal service of the ATM management bank system 20. There is no fee charged to the user. If the banking system 50 or the financial business system 60 requests a financial business, the fee is set up with the banking system 50 or the financial business system 60. Characterized by the user.

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

2 is a configuration diagram of an embodiment of an automatic cash dispense system to which the present invention is applied.

As shown in the drawing, the automatic cash dispenser system to which the present invention is applied is installed in a subway station or a convenience store, and the user can freely withdraw cash. An ATM management bank system 20 for providing instructions, an ATM management system 30 that is an internal system of the ATM management bank system, or delegated management authority for the ATM machine from the ATM management bank system, the ATM management bank To relay and manage the financial services between the banking systems 50, credit card companies, securities firms, post offices, etc., and the financial services between the banking systems and the financial services systems. It is configured to include a financial settlement system for 40.

First, the cash dispenser 10 applied to the present invention is installed in the subway station or a convenience store by the ATM management bank system 20, and is managed by the ATM management system 30.

At this time, the cash dispenser 10 is connected to the ATM management system 30 through a web-based internet network. Therefore, when the ATM management system 30 needs to upgrade or add a program for a plurality of cash dispensers 10, the ATM management system 30 does not need to go to each cash dispenser 10 and upgrade the program. When upgraded, it is possible to collectively upgrade the program for a plurality of cash dispensers (10).

To this end, the ATM management system 30, as shown in the figure, an interface 31 for allowing access to the ATM and each system through a network, and the cash for managing information for each ATM Automatic teller management unit 33, if there is a financial service request from the ATM, the financial service processing unit 34 for processing the financial business through the ATM management bank system 30, and manages the program for the ATM. It includes a cash dispenser program management unit 35 and a control unit 32 for controlling the movement information between the interface and the respective units (33, 34, 35).

In the automatic cash dispensing system having the above configuration, the user can withdraw cash or transfer money using the automatic cash dispenser (10), and the financial service request is the ATM management system (30). After it is transmitted to the bank through the ATM management bank system 30 or the KFTC system 40 is transferred to the other bank system 50 and the financial business system 60 is processed.

On the other hand, the ATM management system 30 can uniformly manage the plurality of cash dispensers 10 through the Internet network, it is possible to easily install and modify a variety of services in addition to the financial business as a web-based program.

Hereinafter, with reference to Figure 3 will be described a cash dispenser operating method in the above automatic cash dispenser system.

3 is a flowchart illustrating an embodiment of a cash dispenser operating method according to the present invention.

First, a user requests a financial service such as cash withdrawal or bank transfer through a cash dispenser 10 installed at a subway station or a convenience store (302).

The request information input to the automatic cash dispenser 10 is transmitted to the ATM management system 30 through the internet network (304).

In response to the request information input through the interface 31 of the ATM management system 30, the control unit 32 drives the financial business processing unit 34 to perform the financial business processing accordingly (306).

That is, when the financial service requested by the user is a financial service within the ATM management bank system 20, the financial service is processed without additional fee through a network connection with the ATM management bank system 20.

In addition, when the financial service requested by the user is related to another banking system 50 or the financial service system 60, the financial service request information is transmitted to the another banking system 50 or the financial service system 60. To perform the task, in which case a certain fee will be added. On the other hand, in the case of the banking system 50 or the financial business system 60 that can not process the financial business directly with the ATM management banking system 20 will perform the corresponding work through the financial settlement system (40).

In this case, the difference between the cash dispenser operating method and the conventional cash dispenser operating method lies in the additional fee.

That is, as described above, the ATM dispenser 10 is supplied by the ATM management bank system 20 and has the operation right, and the financial service requested through the ATM dispenser 10 is the ATM management bank system 20. In the case of internal financial services, no additional fee will be granted. This is the same principle as no fee is charged when the user performs the banking business of the bank at the ATM. However, certain fees may be charged for financial services requested outside of bank opening hours.

On the other hand, if the financial service requested through the ATM 10 is a financial service related to another bank system 50 or the financial service system 60, a certain fee is added. In this case, the additional fee is paid to the ATM management bank system 20 or the bank system 50 or the financial business system 60.

That is, the ATM management system 91 in the conventional cash dispenser system as shown in FIG. 1 is an independent relay system distinguished from each bank system 92 or the card company system 94. For a fee added through 90, a certain amount of money will be taken by the ATM management system 91, and for the remaining amount, the ATM management system 91 and each bank system 92 or card company system 94 Will be distributed at a predetermined rate. On the other hand, the ATM management system 30 in the ATM system according to the present invention as shown in FIG. 2 is a system inside the ATM management bank system 20 or from the ATM management bank system 20. As a system of a company that has been entrusted with consignment management, it can be said that it is not directly related to the fee added through the ATM (10) (in this case, the ATM management bank system 30 reminds the expenses necessary for consignment management). Payment to ATM management system 30 is a separate matter).

The above summary is summarized as follows.

In other words, the ATM management system in the conventional ATM system is an independent system independent of each banking system and financial business system, and installs and operates an ATM automatically and manages each banking system or financial business system and user. By carrying out the role of relay, it is structured to receive the fee accordingly. However, the ATM management system in the ATM system according to the present invention is only an internal system or a consignment management system of an ATM management bank system provided with an ATM, and the subject of the financial service relay is the ATM management bank system 20. There is a difference.

On the other hand, the ATM management system 30 will be uniformly managed through the Internet for each ATM (10) is installed (308).

That is, in the case where it is desired to upgrade the programs running in the respective ATM machines 10, all the ATMs are upgraded by upgrading the programs stored in the ATM machine management unit 35 of the ATM management system 30. It is possible to obtain the effect of uniformly upgrading the program for the payment machine (10).

This is because the ATM and the ATM management system 30 use a web-based internet network, and conventionally, the ATM is stored in each ATM for upgrading the program of the ATM. Since the program must be upgraded one by one, it had to go through an iterative upgrade process.

In addition, in the present invention, since the ATM and the ATM management system 30 use the web-based internet network as described above, the ATM management system 30 or the ATM management bank system 20 is the desired finance. A program for a service (or a service related thereto) may be freely installed and used 310.

Figure 4 is an embodiment table showing the difference between a cash dispenser operating method and a conventional cash dispenser operating method according to the present invention.

That is, as shown in the figure, the ATM dispenser operating method according to the present invention shows the difference in many aspects from the conventional ATM dispenser operating method.

First, the brand of the ATM is generally used for the ATM according to the conventional method. However, the brand for the ATM is not limited to the brand of the ATM bank. Will be used. Therefore, the user can select and use the ATM machine 10 of the trusted banking system 20.

Next, in the form of affiliation with a bank, in the conventional method, the ATM management system 91 manages the installation, management, and operation of the ATM automatically, but the credit method is more reliable in the method according to the present invention. And financially robust banking system 20 is to be in charge.

Next, in the customer service fee system, the same service is provided to the user at a lower fee than the conventional method as described above.

Next, in the automatic teller machine program management as described above, there is a difference that can be managed uniformly through the Internet network, unlike the conventional method.

In addition, there are various differences between the cash dispenser operating method and the conventional cash dispenser operating method according to the present invention as shown in FIG.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention has an excellent effect of providing a higher reliability to users who use the ATM because banks directly install and operate ATMs in subway stations, department stores, hotels, convenience stores, and the like.

In addition, since the present invention uses a cash dispenser managed directly by a bank, it adds the same fee as when using a bank or a cash dispenser installed at a branch thereof. There is an excellent effect that can be used.

In addition, the present invention can manage a plurality of ATMs using the Internet network, there is an excellent effect that can reduce the management cost from the point of view of the ATM management system.

Claims (2)

In the cash dispenser operating method applied to the automatic cash dispenser system, A first step of receiving a financial service request input from a user through an ATM through a cash dispenser 10 installed in a bank and an area other than that branch (subway station, department store, hotel, or convenience store); Transmitting the transmitted financial service request to at least one of an ATM management bank system 20, a financial settlement agency system 40, a banking system 50, and a financial business system 60 to process the financial business; Two steps; And If the program need to be modified or added to the automatic teller machine 10, if you modify or add the program stored in the automatic teller program management unit 35 modified in each automatic teller machine 10 connected through the Internet network Or a third step of allowing financial services to be processed through the added program, In the second step, When the financial service request transmitted is an internal service of the ATM management banking system 20, a separate fee is not charged to the user, and when the financial service request is sent to the banking system 50 or the financial business system 60. There is a method for operating a cash dispenser, characterized in that to charge the user a predetermined fee with the bank system (50) or financial business system (60). The method of claim 1, The ATM management system for performing the first to third steps is an internal system of the ATM management bank system 20 or manages and operates the ATM machine 10 with the ATM management bank system 20. Method of operating a cash dispenser, characterized in that the system is operated by a company that has been entrusted.