KR20060041564A - Method of banking without card or bankbook in coin dealing atm and recording media in which the program implementing that method is saved - Google Patents

Abstract

Provided are a recording medium storing a method of depositing and withdrawing a coin from a cashless automated teller machine for coin trading and a program for implementing the same. In the automatic teller machine, which has a coin deposit and withdrawal module that can count coins by gold type, in the case of depositing coins, it provides an interface for selecting a deposit mode and inputting transaction party identification information and counts the input coins. The information is sent to the host for approval. On the other hand, if you are withdrawing coins, provide an interface to select a withdrawal mode, enter transaction identification / authentication information, and deposit the amount to be withdrawn, and send the information to the host for approval and then pay the amount by type. do. According to the present invention, even when there is no card or bank account, there is an effect that the coin can be withdrawn and especially through the automatic teller machine.

ATM / CD, Coin, Medium

Description

Method of banking without card or bankbook in coin dealing ATM and Recording media in which the program implementing that method is saved}             

1 is a block diagram showing the internal structure of an automated teller machine for implementing the present invention.

Figure 2 is a flow chart illustrating a process of depositing coins into an automatic teller machine according to the present invention.

Figure 3 is a flow chart illustrating a process for withdrawing coins from an automated teller machine according to the present invention.

Figure 4 is an embodiment screen showing the interface of each step of depositing coins in the ATM machine according to the present invention.

Figure 5 is an embodiment screen showing an interface of each step of withdrawing coins from the automated teller machine according to the present invention.

The present invention relates to a method for depositing and withdrawing a coin in a medium without a cash machine for trading coins and a recording medium for storing a program for implementing the same.

Conventionally, in order to make a financial transaction such as deposit or withdrawal at a bank, it was common practice to bring a bank account and apply at a bank window. However, in order to rationalize the management of a bank, the trend of reducing the number of bank counters and replacing them with automated devices has become common.

Representative examples of such automated devices include automatic teller machines (ATMs), which are designed to handle deposits and deposits, balance checks, and accounting.

On the other hand, in order to make a deposit and withdrawal transaction, it was inconvenient to bring a bankbook and identification card as described above. Therefore, by providing a magnetic card with account information recorded to the customer, withdrawal and withdrawal transaction without bringing a bankbook and identification card (so-called Media transaction).

However, even in such a case, since the medium-free transaction was aimed at a banknote that is relatively easy to count, there was a limit to the financial transaction. Therefore, there is an urgent need for an automated teller machine capable of depositing and withdrawing coins, and a method for depositing and withdrawing coins through a coin ATM and an application for executing a systematic interface and control commands to implement the same are required. Reached.

The present invention has been proposed in order to meet the above demands, and receives information for identifying a trading party and information for authenticating a valid trading party in a medium-free transaction through ATM, and a predetermined amount of coins according to the transaction type. The object of the present invention is to provide a method and an interface program for transmitting the received information to a host of a central point so as to receive a transaction approval.

The method of the present invention for achieving the above object, in the method for making a medium-free transaction through the automatic teller machine with a coin deposit module for each kind, select the type of transaction to be serviced as a deposit transaction A first step of receiving, a second step of receiving transaction party identification information, a third step of counting coins put into the coin deposit module by gold type, and the transaction type information, the transaction party identification information, and the counted amount information to the host; And a fourth step of accepting the transaction.

The transaction party identification information of the second step above includes one or more of a social security number, an account number, and a phone number.

In addition, in a method for making a medium-free transaction through an automatic teller machine having a coin withdrawal module for each kind, a first step of selecting a kind of a service to be serviced as a withdrawal transaction and identifying transaction party identification information A second step of receiving input, a third step of receiving transaction party authentication information, a fourth step of inputting the amount and amount of money to be withdrawn, the transaction type information, the transaction party identification information, the transaction party authentication information, and the withdrawal amount And a sixth step of transmitting the information to the host and a sixth step of counting coins equal to the kind and quantity received in the fourth step and paying the transaction to the trading party.

Here, the transaction party identification information of the second step may include one or more of a social security number and an account number, and the transaction party authentication information of the third step may include one or more of an account password and a medium approval number. .

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

1 is a block diagram showing the internal structure of an automated teller machine for implementing the present invention.

The operation unit 101 sets a set of buttons for allowing a customer to select a desired financial service and to input predetermined information (control characters such as numbers or letters and other backspaces) according to each progress step of the selected service. This may be an actual embossed button or may be a touch screen provided on the display unit 103 below.

The display unit 103 outputs an interface for guiding the deposit and withdrawal process according to the present invention step by step and various error messages. When the touch screen is employed, the display unit 103 also serves as the operation unit 101 in addition to the display unit 103. .

The memory 105 includes an operating system program for starting the cash machine and assisting various applications to run smoothly, a main memory for storing execution codes of various applications, and an auxiliary memory for storing various application programs themselves. It is a concept.

In the present invention, the memory 105 includes an algorithm for providing an interface for selecting a type of transaction to be serviced and an interface for receiving transaction party identification information, and counting coins put into the coin deposit module for each kind and then counting the counted values. An application program including an algorithm to store in the memory and the transaction type information, the transaction party identification information, and the count value information to the host to receive the transaction is specifically stored.

In addition, an algorithm for providing an interface for selecting a type of transaction to be serviced, an interface for inputting transaction party identification information, an interface for inputting transaction party authentication information, and an interface for inputting the amount and amount of money to be withdrawn, and the transaction type Algorithm for transmitting the information, trading party identification information, trading party authentication information and withdrawal amount information to the host to approve the transaction, and controlling the withdrawal module to count and pay the number of coins as above. Specifically save the containing application.

The central processing unit 107 is responsible for executing the operating system and the various application programs loaded on the memory 105, in the present invention executes the various application programs mentioned in particular in the description of the memory 105.

The coin deposit module 109 includes a coin counter (not shown) for counting coins received through a coin injector (not shown) and a deposit coin receiver (not shown) for storing counted coins. It is configured, the coin counter is responsible for grasping the amount of coins received by the gold species, the deposit coin receiving unit may be a place for simply storing the counted coins or by dividing it by the gold type coin withdrawal module 111 It may be used simultaneously as a withdrawal storage unit (not shown).

The coin withdrawal module 111 includes a withdrawal coin storage unit (not shown) for storing coins to be withdrawn by gold type and a coin discharge control unit (not shown) for discharging coins for each gold type by a predetermined amount. The withdrawal coin storage unit may be provided in plural number for each kind, but may be the same place as the deposit coin storage unit or may be a separate place. In addition, the coin discharging control unit refers to the withdrawal amount input by the customer and counts the coins of the withdrawal coin storage unit for each gold type so as to correspond to the withdrawal amount through the memory and pays the coins to the customer through a predetermined coin discharging port (not shown).

The network interface 113 is a module for data communication with a host and may be a LAN card, a modem, a serial port, a parallel port, a wireless communication module, and the like. Preferably, a switch for controlling communication between different networks. It can also be seen as a concept involving means such as bridges, routers, and the like.

2 is a flowchart illustrating a process of depositing a coin into an automatic teller machine according to the present invention.

The automated teller machine has a large "payment mode" and "withdrawal mode", and the monitor screen during the service standby is outputting an interface screen to select any one of the modes. In addition, if the type of money that the user wants to deposit or withdraw is a coin, the interface of the next step may be provided. In other words, when selecting the "deposit mode", a menu such as "bank", "bank + coin", "coin" is provided to select the type of money to be deposited to the next screen.

In the present embodiment, a case in which the "deposit mode" is selected on the initial screen and "coin" is selected on the next screen (collectively referred to as "coin deposit mode", S201) will be described.

Next, various types of information for identifying a trading party are received (S203). In other words, the first party's social security number is input and the account number that is the subject of the transaction is received. At this time, the resident registration number is memorized in general, but it is rare to memorize even the account number, and especially when a plurality of accounts are opened for the same person, it is more difficult to memorize the resident registration number. It would be desirable to configure the interface to request the account number information of the corresponding customer, download it, display it in a list form, and select among them. Of course, security problems may occur, so it is also desirable to have an authentication process by asking a predetermined password.

In addition, the account number may be one's own account number or another person's account number, in particular in the latter case, in order to notify the recipient in a text message of the deposit, the payer is required to inform the depositor by telephone number. You may be asked to enter your phone number. Even in the former case, it is a procedure for re-identifying the identity of the user and receiving a telephone number and checking whether it matches the pre-stored number.

Now, after receiving the coins to be deposited in the coin inlet provided at a predetermined position of the cash dispenser, transfer them to the coin counter to determine the type and quantity of the coins stored in the memory (S205) ).

Next, the desired transaction type information (herein, "deposit transaction") and the identification information of the trading party, that is, the social security number, the account number, and the telephone number, etc., are then transmitted to the host of the central point (S207). To determine whether there is a customer and account matching the identification information, and complete the deposit transaction to the account and sends a message to approve it to approve it (S209). The automatic teller machine receiving this message outputs a phrase indicating that the deposit transaction is normally completed through the monitor screen (S211). However, the S211 step may be selectively provided, and if the normal transaction is completed, may immediately return to the initial screen without a separate notification procedure.

If the host does not find a customer or account that matches the received identification information, or if it is impossible to make a normal deposit transaction for any other reason, an error message indicating that the transaction failed to be accepted by the ATM is applicable. The cash automatic teller machine receives the coin and calculates the coin corresponding to the amount of gold and the amount previously deposited through the coin counter of the coin deposit module and returns it through a predetermined outlet (S213).

Figure 3 is a flow chart illustrating a process for withdrawing coins from an automated teller machine according to the present invention.

Since the description of the initial mode selection and the selection of the currency species to be traded has already been made with reference to FIG. 2, in this case, when "withdrawal mode" is selected on the initial screen and "coin" is selected on the next screen (collectively, "coin withdrawal mode"). "S301" will be described.

Next, after receiving a variety of information for identifying the transaction party (S303), and then receives the authentication information for verifying whether the party has a legitimate qualification (S305).

In other words, the first party's social security number is input and the account number that is the subject of the transaction is received. In this case, it is preferable to provide an interface for transmitting the inputted social security number to the host and requesting the account number information of the corresponding customer, downloading it, displaying it in a list form, and selecting one of them.

In addition, by verifying that the party is a party by receiving the password of the specific account corresponding to the entered account number, and then enter a memorial number such as a telephone number that the password is usually four digits, and the password leaks In the light of the precedents in which frequent cases have arisen, the approval number for the media-free transaction is input once more to verify that the party is a party.

Subsequently, a gold kind and quantity of coins to be withdrawn are input (S307).

The central point of the transaction type information (here, "withdrawal transaction") received in this way and identification information of the trading party, such as social security number, account number, and authentication information of the trading party, that is, the account's password and the media approval number, etc. Send to the host of (S309), the host to determine whether there is a customer and account matching the identification information, and after completing the withdrawal transaction from the account to send a message to approve it to approve the ATM (S311).

The automatic teller machine receiving the message pays the amount and amount of money received in step S307 through the coin withdrawal module to the currency outlet (S313). At this time, it would be desirable to output a phrase indicating that the withdrawal transaction is normally completed through the monitor screen.

If the host finds that the customer or account does not match the received identification information, or if the normal withdrawal transaction is impossible due to other reasons, an error message indicating that the transaction failed to be accepted by the cash dispenser. It is also desirable that the ATM and the cash machine having received the transmission output an error message on the monitor screen, and at the same time, output a guide message such as to execute again from the first step.

Figure 4 is an embodiment screen showing the interface of each step of depositing coins in the ATM machine according to the present invention.

This assumes that the case is switched to the "coin deposit mode" as in step S201, and shows from the input process of the transaction party identification information of step S203.

First, an interface 401 for receiving an ID number of the identification information is provided. The title of this step adopts "card / resident number", suggesting that it supports card transactions at the same time. If you also support bankbook transactions, the title "card / bankbook / resident number" may be adopted. Also, entering a social security number here means that you will be doing a media-free transaction rather than a card or bank account transaction.

When the social security number is input, an interface 403 for inputting an account number to deposit is then provided. In this case, the account number may be one's own but may be an account number of another person or another party, as described above.

Then, an interface 405 is provided for inputting a telephone number of the person used for re-identification of the party or informing the depositee of the other person to be deposited.

Now waiting for the coin to be inserted into the coin input unit located in the predetermined portion of the ATM, the coin is counted through the coin counter to determine the type and quantity of the coin and stores the value in the memory. While the internal process is in progress, the monitor screen is provided with an interface 407 for outputting a message such as to insert a coin.

In addition, after the step S207 to S211 is finished, it may be preferable to further provide an interface that outputs a guide message indicating that the deposit transaction has been completed normally.

Figure 5 is an embodiment of the screen showing the interface of each step of withdrawing coins from the automated teller machine according to the present invention.

This assumes that the case has been switched to the "coin withdrawal mode" as in step S301, and shows from the input process of the transaction party identification information of step S303.

First, an interface 501 for inputting a social security number among the identification information and an interface 503 for inputting an account number to withdraw money are provided. Herein, "card / resident number" is adopted as the title of the interface of 501, which implies that the card transaction is simultaneously supported.

Subsequently, an interface for receiving authentication information for verifying that the transaction party is a legitimate person is provided, which includes an interface 505 for inputting an account password and an interface 507 for inputting a media approval number. Can be mentioned.

Now, an interface for inputting the kind and quantity of coins to be withdrawn is provided, and after inputting all the desired kinds and quantities, an interface 509 is further provided to inform the sum.

Finally, when the withdrawal transaction is normally completed after the steps S309 to S311 are performed internally, the ATM automatically pays the amount and amount of money input in step S307 to the currency outlet through the coin withdrawal module. The interface 511 indicating that the coin is being discharged is output. In addition, after the 511 interface is output, it may be desirable to provide an interface displaying a guide message indicating that the deposit transaction is normally completed.

Meanwhile, in the detailed description of the present invention, specific embodiments have been described, but various modifications may be made without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by those equivalent to the scope of the claims.

According to the present invention having the above configuration, there is an effect that can be provided with a means for depositing and withdrawing coins in particular when making a medium-free transaction through ATM. That is, according to the present invention, an interface for inputting identification / authentication information of a trading party and an interface for inputting a coin type and quantity of money to be withdrawn are particularly provided for a medium-free transaction. As a means of counting coins received or counting coins to be withdrawn is provided, it is possible to facilitate coin withdrawal transactions without going to a bank teller.

Claims (10)

In the method for making a medium-free transaction through an automatic teller machine equipped with a coin deposit module for each paper type, A first step of selecting a type of transaction to be serviced as a deposit transaction; A second step of receiving transaction party identification information; A third step of counting coins put in the coin deposit module for each kind; And A fourth step of transmitting the transaction type information, the transaction party identification information, and the count amount information to a host to approve the transaction; The medium-free transaction method in a cash machine for trading coins, characterized in that comprises a. The method of claim 1, The trading party identification information of the second step, The medium-free transaction method in a cash machine for the coin transaction, characterized in that it comprises at least one of a social security number, account number, telephone number. In the method for making a medium-free transaction through a cash dispenser having a coin withdrawal module for each paper type, A first step of selecting a kind of a transaction to be serviced as a withdrawal transaction; A second step of receiving transaction party identification information; A third step of receiving transaction party authentication information; A fourth step of inputting the amount and amount of money to be withdrawn; A fifth step of transmitting the transaction type information, transaction party identification information, transaction party authentication information, and withdrawal amount information to a host to approve the transaction; And A sixth step of counting coins of the same kind and quantity received in the fourth step and paying them to the trading party; The medium-free transaction method in a cash machine for trading coins, characterized in that comprises a. The method of claim 3, wherein The trading party identification information of the second step, The medium-free transaction method in a cash machine for trading coins, characterized in that it comprises at least one of a social security number, account number. The method of claim 3, wherein The third party trading party authentication information, The method of a medium-free transaction in a cash machine for coin trading, characterized in that it comprises at least one of an account password and a medium approval number. In the automatic teller machine having a coin deposit module for each paper type, A first algorithm for providing an interface for selecting a type of transaction to be serviced; A second algorithm for providing an interface for receiving transaction party identification information; A third algorithm for counting coins put into the coin deposit module for each kind and storing the counted values in a memory; And A fourth algorithm for transmitting the transaction type information, the transaction party identification information, and the counted amount information to the host to approve the transaction; Recording medium storing a program for implementing a medium-free transaction method in a cash machine ATM for coin trading comprising a. The method of claim 6, The transaction party identification information, A recording medium storing a program for implementing a medium-free transaction method in the automatic teller machine for coin trading, characterized in that it comprises at least one of a social security number, account number, telephone number. In the method for making a medium-free transaction through a cash dispenser having a coin withdrawal module for each paper type, A first algorithm for providing an interface for selecting a type of transaction to be serviced; A second algorithm for providing an interface for receiving transaction party identification information; A third algorithm for providing an interface for receiving transaction party authentication information; A fourth algorithm for providing an interface for receiving an amount and amount of money to be withdrawn; A fifth algorithm that transmits the transaction type information, transaction party identification information, transaction party authentication information, and withdrawal amount information to a host to approve the transaction; And A sixth algorithm for controlling the withdrawal module to count coins of the same kind and quantity input through the fourth algorithm and pay the coins to the trading party; Recording medium storing a program for implementing a medium-free transaction method in a cash machine ATM for coin trading comprising a. The method of claim 8, The transaction party identification information, A recording medium storing a program for implementing a medium-free transaction method in the automatic teller machine for coin trading, characterized in that it comprises at least one of a social security number, account number. The method of claim 8, The transaction party authentication information, A recording medium storing a program for implementing a medium-free transaction method in the automatic teller machine for coin trading, characterized in that it comprises at least one of an account password and a medium approval number.

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